vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
MORTGAGE STARTED WITH MOVEMENT MORTGAGE. SOLD TO XXXX AND STARTED MOTIFICATION BECAUSE OF JOB LAY OFF. WENT THROUGH 2 OF THREE MONTHS WHEN IT WAS SOLD TO XXXX XXXX. STARTED OVER 3 MONTHS THEN 2 MONTHS INTO IT ROCKET TOOK IT OVER AND WANT ME TO SIGN NEW CONTRACT. VERY SHADY. ALL MY PAYMENTS SINCE CHASE HAVE NOT BEEN REGISTERED AND NOW ROCKET SAY I AM XXXX BEHIND. MY BANK STATEMENTS PROVE OTHERWISE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I am writing to file a complaint regarding the delay in depositing funds into my checking account despite the banks advertisement and representation of same-day deposit availability. I made the deposit with the expectation that the funds would be credited and available on the same day as promised ; however, the deposit was delayed without clear notice or explanation. This delay caused inconvenience and did not match the service that was advertised. This is the second deposit this month that has been delayed. I respectfully request a detailed explanation for the delay, clarification of the banks same-day deposit policy, and appropriate action to prevent this issue from occurring again. I also ask that the bank review whether the advertisement provided to customers accurately reflects the actual processing times and conditions associated with deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On my XXXX report I did not authorize my credit to be ran at this banks over and over! Please remove these inquiries Truist XXXX XXXX XXXX Truist XXXX Truist XXXX Truist XXXX Truist XXXX XXXX XXXX

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 2026-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
All I know is this debt has been on my credit report for more than a year

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC Last reported XX/XX/XXXX {$1600.00} Open balance MIDLAND CREDIT MANAGEMENT INC Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 2 mos ) This is incorrect, I never opened an account with Midland Credit. XXXX of XXXX I was unemployed. This information is incorrect and inaccurate. They don't have my right address either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: AL

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I sent a formal debt validation request to LVNV Funding LLC c/o Resurgent Capital Services via USPS Certified Mail on XX/XX/year>, covering TWO accounts : Account XXXX : LVNV # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$2000.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Reported Balance : {$610.00} Pursuant to my rights under the FDCPA 15 U.S.C. Section 1692g, LVNV Funding was required to provide for each account : XXXX. Complete chain of assignment from original creditor to LVNV XXXX. Original signed credit agreements XXXX. Complete account payment history XXXX. Verification that statute of limitations has not expired XXXX. Proof of Alabama collection license It has been over 60 days since my certified mail request was delivered. LVNV Funding / Resurgent Capital Services has not provided any validation documentation for either account. Despite failing to validate these debts, LVNV Funding continues to report both accounts on my XXXX and XXXX credit reports with a combined balance of {$2600.00}, in violation of the FDCPA. I am requesting the CFPB compel LVNV Funding LLC to : 1. Provide complete debt validation for both accounts, or 2. Delete both tradelines from all consumer reporting agencies 3. Cease all collection activity until debts are validated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing this complaint regarding XXXX refusal to reconsider my account after extraordinary hardship circumstances involving XXXX XXXX and emergency relocation for personal safety. My account became overdue during a period in which I had to leave an unsafe domestic situation quickly for my safety. Due to the emergency nature of the situation, I was unable to maintain normal financial obligations or submit hardship documentation at that time. My priority was immediate safety and relocation. Once I was safe and financially stable, I took responsibility for the account and paid all outstanding balances in full. XXXX has confirmed that my account balance is now {$0.00}. Despite full repayment, XXXX informed me that I am permanently prohibited from using the platform again because the hardship request was not submitted prior to delinquency and because the account remained overdue for a significant period of time. I am not disputing that the account became overdue. I am requesting fair consideration of the circumstances that caused the delinquency and the efforts I made to resolve the debt once safe. This was not intentional nonpayment or financial irresponsibility, but a crisis situation involving personal safety. I respectfully request : 1. A supervisory or executive review of my account and circumstances. 2. Clarification regarding whether a permanent lifetime restriction is reasonable after full repayment under emergency hardship circumstances. 3. Consideration of whether a reinstatement pathway or future review period exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX RE : Complaint Against Mohela Account Number XXXX XXXX To Whom It May Concern, I am submitting a formal complaint against Mohela for failing to correct inaccurate information on my account, despite previous disputes sent on XXXX XXXX XXXX Description of Inaccuracy : My account reports balances of {$2200.00}, {$1300.00}, {$1400.00}, {$4500.00}, {$2500.00}, {$2500.00}, {$3900.00}, {$3200.00}, {$500.00}, {$740.00}, {$2300.00}, and {$670.00}, when it should be {$0.00}. Creditor Name : Mohela Account Number : XXXX XXXX Item in Dispute : 12 loans Reason for Dispute : This information is incorrect. On XXXX XXXX XXXX, a settlement agreement was made between me and U.S. Attorney, XXXX XXXX, on behalf of the U.S. Department of Education. The total of the principal and interest owed was {$40000.00}. It was agreed that I would pay {$9700.00} and this debt would be considered paid in full and no further balance will be due.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a complaint against this collection agency because they are attempting to collect a debt that I dispute and are reporting late payments/negative information on my credit report. I believe the reporting is inaccurate and damaging my credit. I am requesting validation of the debt and investigation into the late payment reporting. I also request correction or removal of any inaccurate information being reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent documents asking this company not to contact me anymore and they sent another email today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I had a XXXX account for over 10 years. I cancelled the service and returned the equipment in the box they provided. ( They later sent an email saying not to return but recycle the equipment afetr it had already been returned. The disputed amount is for service after I moved and my new residence provides internet and does not allow satellite dishes. I could not use them. I moved in XXXX of XXXX they auto billed me for a month after that and agreed to send a reimbursement but never did. They then took auto billing off but claim I owe 2 aditional months that I did not live at the residence they claim sevice was at. I asked for a copy of the bill from sunrise ( The debt collection agency that bought the debt. ) I still have not received anything and the fact that I overpaid and now they basically are extorting me to pay 2 more months of service to get it removed from my credit is frustrating. I dsisputed it with XXXX but they did not remove it saying Sunrise submitted proof to them ( But not me ). I can provide a copy of my executed lease showing my address at the disputed timeframe. When XXXX bought XXXX they must have outsourced their customer service because I had nothing but good things to say about them untill XXXX ruined them. They helped me out when my house flooded in XXXX and again during XXXX XXXX in XXXX.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/year>, I attempted to make a purchase using my USAA debit card, and the transaction was unexpectedly denied. Upon logging into my online banking account, I discovered that my account had been restricted without any prior warning, notification, or explanation. I immediately contacted USAA customer service to inquire about the issue. During the call, I was informed that my account had been converted into a deposit only account and that USAA had decided to close my account. However, the representative was unable or unwilling to provide any meaningful explanation as to why this action was taken. More concerning, I was advised that I would no longer have access to my existing funds and that USAA would issue a check for my remaining balance within up to 60 days. At no point prior to this incident did I receive any written notice, email communication, fraud alert, or opportunity to address or dispute any alleged concern related to my account.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Between XXXX XXXX XXXX XXXX XXXX XXXX, I detected 40 unauthorised fraudulent transactions in my Wells Fargo account. TOTAL : {$27000.00} AMOUNT : 40 transactions in multiple dates On XXXX at XXXX I sent police report XXXX XXXX to the Wells Fargo fraud department by email. The report includes the 40 transactions with detailed dates and amounts. WELLS CASES : XXXX Today XX/XX/XXXX I called the Claims department. Representative XXXX refused to give his ID number and denied me the provisional credit. I have an audio recording of that call. VIOLATION : By Regulation E, section 1005.11, paragraph C, number 2, with police report Wells Fargo has 1 business day to credit the money while investigating. The XXXX XXXXXXXX report was sent on Sunday XX/XX/XXXX XXXX. 1 business day was due today Monday XX/XX/XXXX. They denied the credit = federal XXXX. REQUEST : 1. Immediate provisional credit for {$27000.00} for the 40 transactions. 2. Interest for delay since XX/XX/XXXX. 3. Written confirmation of compliance with Regulation E. Attached : XXXX police report XXXX with breakdown of 40 transactions + screenshot of email sent XX/XX/XXXX XXXX.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I submitted my weekly payment of XXXX dollars. My account was 36 days past due of this amount and as XX/XX/XXXX I owed XXXX which was only 3 days past due. I didn't recieve any phone calls or emails from Westlake financial with any intent to repossesse. On Wednesday XX/XX/XXXX my vehicle was reposses for past due payment of XXXX I called Friday Morning XX/XX/XXXX told them I submitted the payment on Tuesday and it shows on the app payment was made. Apparently the app does not communicate in real time in there system. They wanted XXXX to get the vehicle back. When I asked why when I told them I only owe my current balance XXXX they laughed at me and said that's what I have to pay to get it back. I asked to speak to a supervisor she laughed and hung up. I called back Friday afternoon and tried to speak to someone again was the same result speaking over me not answering my questions and they told me XXXX was the repo fee. When I asked why I got laughed at again and hung up on. Reminded me it was a 30 a day storage fee I have no choice to let the vehicle go. I only had it 2 years I had to replace the clutch, muffler, axel and ball joints and rust on the undercarriage. I purchased a two year warranty that added to my monthly payment loan that did not cover any of this issues with the vehicle. over XXXX in repairs in 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX XXXX, several fraudulent transactions were made against an old credit card number of mine that was supposed to be closed. I contacted Capital One. There were numerous transactions - maybe 10-12. All low value. XXXX XXXX {$3.00}. They could not tell me why this happened, but assured me they would make sure this card was closed and open a fraud case/reverse the charges. Today, XXXX XXXX XXXX, another fraudulent charge came through on that old credit card number. I called Capital One back. I was told it was only possible that a merchant had my information if * I * had forgotten about old recurring charges and I gave the merchant my information. I was being gaslit. These were vendors I have never heard of, and you can look through my entire credit history and never see a charge from them previously. That card was never properly closed and now someone is using it fraudulently! Furthermore, I asked for the case number for my fraud case, and the agent could not give it to me. This all feels quite suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
I bought my granddaughter a car on XX/XX/year> through Toyota Financial Services -- The car was totalled out XX/XX/year> -- I had insurance and the insurance was going to pay the loan off and I would not have had to pay anything off -- not to mention I had XXXX through Toyota Financial Services -- Toyota went and picked the vehicle up like it was a reposession and never gave an inspection to my insurance -- so then XXXX contacted the dealer and requested the dealer to give a refund and the dealership unaware of what it was for issued a refund for XXXX insurance -- so when my insurance sent in what they were going to pay since they never recieved an inspection from XXXX -- I was left holding the bag -- I went through a very serious illness during this time -- and all of this stressed me out and I was not mentally able to handle this -- Not to mention I bought my granddaughter another Toyota from the same dealer and financed it with XXXX and I bought me one since also financed with XXXX -- This is disturbing that the ball was dropped -- I guess if this doesn't work -- I will need to get an attorney -- Please advise -Thanks XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 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: NJ

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I disputed an Ability Recovery Services collection account with XXXX because I believed the information being reported was inaccurate and incomplete. I requested proper validation of the alleged debt, including a signed agreement, payment history, proof of ownership of the debt, verification of the balance, and verification of the delinquency dates being reported. XXXX responded stating the account was verified as accurate, however neither XXXX nor Ability Recovery Services provided actual supporting documentation validating the debt. The account continues reporting negatively on my credit report and is damaging my creditworthiness and financial opportunities. I believe XXXX conducted an unreasonable investigation and relied on automated verification procedures instead of reviewing competent evidence as required under the Fair Credit Reporting Act. I am requesting a proper reinvestigation, full method of verification, and deletion of the account if it can not be fully validated.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent credit reporting by Credit Acceptance Corporation concerning an auto loan tradeline being reported to consumer reporting agencies. The account is being reported inconsistently between XXXX, XXXX and XXXX. XXXX reports the account as Paid in Settlement, while XXXX reports Paid Repossession and Account Paid for Less Than Full Balance and XXXX reports Account Paid in Full, was a repossession. These inconsistent account characterizations appear materially misleading and may violate the Fair Credit Reporting Act requirement for maximum possible accuracy. Additionally, the account contains conflicting derogatory payment coding extending into XXXX despite the account allegedly being settled and closed. The reporting appears inconsistent regarding repossession status, settlement disposition, payment history, and balance reporting. I disputed the account and requested a reasonable investigation, including verification of : * Date of First Delinquency * Repossession dates * Settlement accounting * Deficiency calculations * XXXX XXXX compliance * Documentary verification of derogatory reporting I am concerned the furnisher and/or consumer reporting agencies failed to conduct a meaningful investigation and may have relied on automated verification procedures rather than competent documentary review. I request : * Immediate correction or deletion of inaccurate, misleading, incomplete, or unverifiable reporting * Full investigation documentation * Method of verification * Confirmation of XXXX XXXX compliance * Correction of any inconsistent furnishing to all consumer reporting agencies

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