vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
The company is reporting inaccurate information on my credit report, which is negatively impacting my credit score. I became aware of this issue recently and reviewed the account details, which do not accurately reflect my records. I have made efforts to address this by reviewing my payment history and monitoring my credit report, but the inaccurate information remains. As of now, the account is still being reported incorrectly, including details related to balance/payment status. I am requesting that the company thoroughly investigate this matter and either correct the inaccurate information or remove the account entirely if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I sold my business on XX/XX/XXXX, but in late XX/XX/XXXX, the payment processor issued a Form XXXX with the incorrect XXXX belonging to the previous owner. Despite contacting my sales agent twice and the company directly in early February, they initially claimed they could not edit a closed account and later insisted they had not received required forms. Although I immediately emailed the necessary documentation, including the SS-4, 147-C, and W-9, and followed up every XXXX days through XX/XX/XXXX, the company repeatedly sent documents that still contained the wrong Tax ID. +4 The company subsequently filed a response with the CFPB on XX/XX/XXXX, claiming they had corrected the TIN and faxed the document to me. However, I have verified my records and confirmed that no fax was ever received. Following this, I contacted customer service again, resulting in a new ticket ( no. XXXX ), but the promised re-fax within XXXX days never arrived. I am now forced to file a tax extension due to their failure to provide accurate tax data, and I demand that they email the corrected form and provide digital confirmation of the data transmission to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I made a {$900.00} payment customer service saying I'm not getting credit for it .Reports need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
This complaint involves a fraudulent transaction that was induced through impersonation and social engineering. I was misled by an individual falsely claiming affiliation with Affirm, which led to a transaction being completed under false pretenses during a screen-sharing session. I am requesting a full review of this matter as a fraud/impersonation case rather than a standard authorized transaction dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding my auto loan account with XXXX XXXX XXXX, for which I am listed as a co-signer. Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/year> Status : Charged Off {$16000.00} Balance This account reflects a repossession and charge-off ; however, I have significant concerns regarding the handling of the repossession and sale of the vehicle. I did not receive proper notice regarding the repossession or sale. Specifically : I was not informed of the location of the vehicle after repossession I did not receive a Notice of Sale prior to the vehicle being sold I was not informed whether the sale was public or private I did not receive a post-sale accounting showing the sale price or how the remaining balance of {$16000.00} was calculated As a co-signer, I am equally entitled to receive this information. The lack of notice raises serious concerns about whether required repossession procedures were followed. Request for Documentation I am requesting that XXXX XXXX XXXX provide : Proof that a Notice of Sale was sent and delivered to me as co-signer, including date and method of delivery The location of the vehicle after repossession The date of sale and whether the sale was public or private The sale amount of the vehicle A complete post-sale accounting showing how the deficiency balance of {$16000.00} was calculated Documentation demonstrating compliance with all applicable repossession laws Credit Reporting Concern This account is being reported on my credit report as a charged-off balance. Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. If XXXX XXXX XXXX is unable to provide the requested documentation, I request that this account be : Removed from my credit report Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a complaint against LVNV Funding LLC and Resurgent Capital Services for failure to validate an alleged debt. On XX/XX/year>, I sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA 1692g ). I requested documentation showing I am legally responsible for the debt, including account ownership, the amount owed, and complete account history. To date, I have not received any response or documentation validating this debt. Despite this, the account continues to be reported on my credit reports and collection activity has not been properly ceased. Under the FDCPA, a debt collector must cease collection activity until proper validation is provided. Continuing to report this account without validation raises serious concerns about the accuracy and legality of the reporting. Because this debt remains unverified and the company has failed to respond to my request, I am requesting the immediate deletion of this account from all credit reporting agencies and written confirmation that no further collection activity will occur. If the company can not provide proper validation, the account should not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
XX/XX/, mortgage XX/XX/2026 Payment of {$2200.00} sent in good faith XXXX XXXX XXXX Payment held, not applied XX/XX/2026 ( approx. ) Payment still not credited XX/XX/2026 Check returned via USPS ( postmark date ) ( Date ) Received letter claiming 3 phone calls ( false ) XXXX 2026 No phone contact made ( supported by records )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I made multiple payments toward my auto loan, including XXXX payments of {$1700.00} on XX/XX/year> which were applied to principal and reduced my balance as expected. Immediately after, I made additional payments of {$1200.00} and {$810.00} on XX/XX/year> and a payment {$2900.00} on XX/XX/year>. These later payments were not applied to principal and instead appear to have been applied to future installments, hence why the site is saying pay by XXXX. My balance prior to making any payments was around ~ {$19000.00} and after all of the payments it only went down to {$15000.00}. When we add all payments made it should have dropped in a ball park by ~ {$8400.00} ; However, my loan states {$15000.00}. When I contacted the lender on XX/XX/year> at XXXXXXXX XXXX. I was told these payments went to interest. However, based on my loan balance ( approximately {$15000.00} - {$16000.00} at the time ) and my interest rate ( XXXX XXXX XXXX ), the daily interest would only be approximately $ XXXX {$15.00} per day. It is mathematically implausible for {$5000.00} in payments to have been applied to interest over such a short period. I repeatedly requested a detailed breakdown showing how each payment was applied ( principal vs interest vs fees ), but the lender refused to provide this information and continued to give vague verbatim explanations and put me hold several times. Additionally, the lenders website does not provide any option to designate payments toward principal, nor does it provide access to loan balance history or payment allocation details. I am only able to see that payments were received, but not how they were applied. After that phone call I decided to pull a XXXX day loan notifcation and take my business to XXXXXXXX XXXX refinance my loan, I wish to not do business with this shady company anymore. I have been approved and signed the loan as of XX/XX/year>. I have provided documents necessary on my end as proof of my claim. " XXXX XXXX XXXX '' has the most recent displayed principal after all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: CO

Complaint narrative:
My student loans should have been dismissed in XXXX, and I continue to get contacted for them.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accscient, LLC
State: OH

Complaint narrative:
My son was seen by a XXXX XXXX XXXX XXXX provider on XX/XX/XXXX. At the time XXXX XXXX was provided as the insurance. When it came back as out of network, I then provided them with his co-insurance XXXX XXXX, which was in network. This conversation with billing happened in the fall of XXXX. The billling representative told me that they would run it through XXXX and it would be covered ( XXXX XXXX ). In mid XXXX, I started getting a bill for the full amount like it was not run through XXXXXXXX XXXX. The XXXX XXXX had been not been applied and then XXXX XXXX XXXX XXXX turned me over to XXXX XXXX XXXX. When I received the debt collection letter, I responded that XXXX was never billed even though the information was given to billing. They responded back that XXXX XXXX was on file. No XXXX information on file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX trying to collect a debt that should be covered 100 % by XXXX XXXX policy that my son was covered on during the date of service.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Hollis Cobb Associates
State: AK

Complaint narrative:
I received a call at XXXX from a debt collector on XX/XX/year>, which then woke my baby up. My husband also works overnights for the XXXX, which the call also woke him up. I was very displeased to receive a call at such an early hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing XXXX XXXX XXXX XXXX XXXX XXXX fees charged on a single transaction that was re-presented multiple times. On XX/XX/XXXX, a charge of {$38.00} from XXXX ( XXXX ) was presented to my account. At that time, my balance was {$7.00}. After the account became negative, the same transaction was repeatedly re-presented by the merchant. Each time the transaction was retried, the bank charged an additional XXXX fee, even though this was the same underlying transaction and not new authorizations. The following XXXX fees were charged : XX/XX/XXXX : {$17.00} XX/XX/XXXX : {$17.00} XX/XX/XXXX : {$17.00} XX/XX/XXXX : {$34.00} XX/XX/XXXX : {$17.00} In total, over {$100.00} in fees were charged in connection with a single {$38.00} transaction. I have overdraft coverage turned off on this account and did not authorize multiple attempts or repeated charges tied to the same transaction. I have requested that the bank : XXXX all duplicate XXXX fees associated with re-presentment of this transaction Provide a final payoff amount XXXX the account At this time, the fees remain, and the account continues to reflect a negative balance. I believe charging multiple XXXX fees for the same transaction being re-presented is excessive and unfair. I am requesting that all duplicate fees be refunded and that the account be allowed to close with an accurate and reasonable balance. If you want to make it slightly more aggressive ( which can help ), I can tighten the wording furtherbut this version is already strong and aligned with what regulators expect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortgage denied loan modification due to missed payments in XXXX and XXXX despite the fact payments were missed due to their agent instructions not to pay in order to qualify for loan modification. Rocket sent letter threatening foreclosure deed in lieu or short sale to contrary of letter in response to XXXX XXXX XXXX complaint that they admit errors and will do everything possible to make things right reviewing completed loan modification will inform me by XX/XX/XXXX. Default all caused by XXXX auto pay errors wrong digit bank account, multiple drafts draining bank account severe damage to credit, dual tracking foreclosure while completed loan modification in review. Lender has several law suits wrongful XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following information so that I may better understand the nature of the debt and determine its validity : XXXX. Proof of the debt : Provide a copy of the original agreement or contract that shows I am obligated to pay this debt. XXXX. Details of the debt : The full amount owed, including any interest or fees. A detailed breakdown of how the amount was calculated. XXXX. XXXX XXXX : The name and address of the original creditor. Proof that the debt has been assigned or sold to your agency. XXXX. Confirmation of your authority : Evidence that you are authorized to collect on this debt on behalf of the creditor. Under the FDCPA, collection activities must cease until this debt is validated. If you are unable to provide the requested information, I ask that you remove this account from my credit report and cease any further communication regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following information so that I may better understand the nature of the debt and determine its validity : XXXX. Proof of the debt : Provide a copy of the original agreement or contract that shows I am obligated to pay this debt. XXXX. Details of the debt : The full amount owed, including any interest or fees. A detailed breakdown of how the amount was calculated. XXXX. XXXX XXXX : The name and address of the original creditor. Proof that the debt has been assigned or sold to your agency. XXXX. Confirmation of your authority : Evidence that you are authorized to collect on this debt on behalf of the creditor. Under the FDCPA, collection activities must cease until this debt is validated. If you are unable to provide the requested information, I ask that you remove this account from my credit report and cease any further communication regarding this matter.

Company response to consumer: Closed with non-monetary relief