vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: PA

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: OH

Complaint narrative:
My vehicle was repossessed by Westlake Financial on XX/XX/year>. I reinstated my loan within XXXX days by submitting the required payment on XX/XX/year>, at approximately XXXX PM. Westlake Financial later confirmed that the payment posted and fully cleared at XXXX PM on XX/XX/year>, and that all funds required for reinstatement were received. 

Despite the reinstatement payment clearing, Westlake Financial failed to issue a reinstatement release to the repossession vendor. I contacted the tow/recovery company ( MVTrack ), who confirmed that they have no reinstatement release on file and that the only paperwork received was authorization to release the vehicle to auction. XXXX advised that under normal circumstances, a reinstatement release would have already been issued and that the current situation is abnormal. 

Since XX/XX/year>, I have contacted Westlake Financial multiple times and spoken with several representatives and supervisors. I have repeatedly been told that the matter is escalated and that the release process is automated, with no individual able to provide a release authorization number, timeline, or confirmation that the reinstatement release was sent. Westlake Financial has provided inconsistent explanations, including references to required managerial and exXXXX approvals, followed by claims that the process is fully automated and not manually controlled. 

As of the date of this complaint, my vehicle has not been released despite reinstatement, payment clearance, and confirmation that the vehicle has not been sold. I have been without transportation for multiple days and have incurred out-of-pocket hotel expenses as a direct result of Westlake Financials failure to timely issue a reinstatement release and halt auction disposition activity. 

I believe Westlake Financials actions constitute unreasonable delay and wrongful retention of collateral after reinstatement, as well as a failure to properly manage repossession and reinstatement procedures. I am requesting the CFPBs assistance in ensuring immediate release of my vehicle, review of Westlake Financials reinstatement and repossession practices, and resolution of the financial harm caused by this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: FL

Complaint narrative:
Synchrony Bank / CareCredit provides no functional email to submit the documents I need to show and in the App I can't find where to send the info or make a documentation of my problem. 
I am involved in a documented duplicate payment / mortgage closing disbursement issue ( {$820.00} ). 
The bank refuses written communication outside chat, blocks emails, and prevents document delivery, making resolution impossible. They say it jus by mail. 
I send the check from the XXXX XXXX  ( builder ) issued to Synchrony bank / CareCredit. I have prove of they received but they didn't deposited in my account. 
This is a failure of reasonable customer service and payment dispute handling under federal consumer protection rules.

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 2026-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding a private student loan serviced by Earnest that was used to attend XXXX XXXX on XXXX XXXX, a for-profit institution that permanently closed in XX/XX/year>. 

The borrower obtained her degree prior to the schools closure. However, XXXX XXXX later shut down amid widely documented operational and financial issues. As a result, the long-term value, recognition, and utility of the degree have been significantly diminished. The school no longer exists to provide verification, career support, alumni services, or institutional backing that were part of the representations made at enrollment. 

The loan remains current and has been paid in good faith. However, the borrower continues to carry a substantial balance for an education tied to an institution that is now defunct, with no meaningful recourse through the school itself. 

We are requesting that Earnest conduct a formal review of this loan based on : The permanent closure of the educational institution The materially reduced value of the degree following closure The absence of any ongoing institutional support or accountability The borrowers good-faith repayment history We are seeking one of the following resolutions : Principal reduction Loan settlement Interest rate reduction or other meaningful loan modification We have contacted Earnest directly to request a review but are seeking CFPB assistance to ensure this matter is evaluated fairly and escalated appropriately. 

Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I contacted the company to ask why my available balance had not updated after I made three successful payments intended to reduce my balance. 

During these calls, I was informed that my account had been permanently closed on XX/XX/XXXX, and that it could not be reopened. This was the first time I was told the account was permanently closed. 

I never received any written notification ( mail or email ) that my account had been permanently closed. I checked both my physical mail and email and found no notice of closure. 

However, on XX/XX/XXXX, the company emailed me stating my account was past due with credit privileges suspended and specifically instructed me to submit a payment of {$89.00} to cure the delinquency. The email did not state the account had been permanently closed. Instead, it represented the account as active but delinquent. 

Relying on this communication, I made payments to the account after XX/XX/XXXX in good faith to bring the balance below the credit limit, as I had also been notified that I had until XX/XX/XXXX to do so. I made three separate payments. 

The company has been unable to explain how it accepted payments on an account it now claims was permanently closed, nor why I was never notified of closure. 

Because the company provided conflicting information and accepted payments after representing the account as active but delinquent, I am formally requesting a refund of all payments made after XX/XX/XXXX, totaling {$230.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
There is old debt that Ive had with this company or they have bought debt of mine that is over XXXX years old. Its not even on my collections anymore on my credit report they continue to call me and when I ask, what company are you calling from they say portfolio recovery And I have no account with them on my credit file and I do not wish to speak to them because they are trying to reset the debt clock and get it back on my credit and I am trying to buy a home and refinance my car. I can not have this happen and they continue to call me and call my husbands phone as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am disputing an invalid debt being collected by Harris & Harris XXXX XXXX on behalf of XXXX XXXX. This debt resulted from unauthorized billing, failure to cancel service, and XXXX failure to issue a promised refund. 

In XX/XX/XXXX, I was unknowingly signed up for an XXXX XXXX line while attempting to lower my cable bill. I did not knowingly authorize mobile service and never activated or used the mobile line. 

In XX/XX/XXXX, after noticing unauthorized monthly charges beginning in XX/XX/XXXX, I contacted XXXX to cancel the mobile service. XXXX failed to process the cancellation. I continued to be billed despite multiple cancellation requests. 

On XX/XX/XXXX, I contacted XXXX again. During that call ( which I have recorded ), the representative stated that no cancellation had ever been processed and that I was owed a refund. I was told the refund would be issued within XXXX business days. I have a recording of this call. 

When no refund was received and billing continued, I contacted XXXX again on XX/XX/XXXX. During a XXXX call ( which I have recorded ), the representative confirmed that a note was placed on my account on XX/XX/XXXX acknowledging that I was owed a full refund, but that no refund ticket had been created. The representative created a refund investigation ticket ( XXXX XXXX XXXX ) and again assured me that I would receive a full refund. I have a recording of this call. 

XXXX failed to issue the refund, failed to provide requested call recordings documenting my cancellation attempts, and continued billing for a service that was never activated or used. 

Despite this unresolved billing dispute and XXXX acknowledgment that a refund was owed, the account was sent to collections. Harris & Harris is now threatening legal action and negative credit reporting on a debt that is disputed, unvalidated, and based on unrendered services. 

Short Transcript Summary ( NOT Full Transcript ) XX/XX/XXXX Call Summary Representative stated no prior cancellation had been processed Confirmed service should have been canceled earlier Stated a refund would be issued within XXXX business days Admitted back office had to process refund No refund was issued XX/XX/XXXX Call Summary Representative XXXX confirmed internal note acknowledging refund owed Confirmed refund ticket was never created in XXXX Created ticket XXXX XXXX  Confirmed mobile line was never activated Promised follow-up and refund I am requesting that Xfinity immediately recall the account from collections, issue the full refund acknowledged by their own representatives, and ensure that no negative credit reporting occurs. I am also requesting that Harris & Harris cease collection activity until proper validation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Account Name : XXXX Funding Account Number : XXXX Open Date : XX/XX/year> Balance : {$500.00} LVNV Funding, LLC is reporting the above collection account on my credit report without providing accurate or verifiable information, in violation of the Fair Credit Reporting Act ( FCRA ). 
I disputed this account and requested verification, yet LVNV Funding continues to report the tradeline without conducting a reasonable investigation as required by XXXX U.S.C. XXXX ( b ). LVNV Funding has not provided documentation showing my legal obligation to the debt or proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint because Experian is reporting inaccurate, unverifiable, and incomplete information on my consumer credit file. I have previously disputed these items directly with Experian , yet they continue to be reported without proper verification, which is harming my ability to obtain credit. 

The following charged-off accounts are being reported inaccurately and without proper validation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) These accounts have not been properly verified as required under the Fair Credit Reporting Act ( 15 USC 1681 ). I am requesting that Experian either provide full documentation proving these accounts are accurate and belong to me, or remove them from my credit report. 

Additionally, Experian is reporting inquiries that I do not recognize or authorize : 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 XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX inquiries were not XXXX XXXX XXXX and should not be reported. Experian failed to ensure maximum possible accuracy. 

Experian is also reporting late payments on the following accounts that are inaccurate : XXXX XXXX ( multiple account numbers ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I dispute the accuracy of these late payment notations and request proof of the dates and authority to report them. 

Experians failure to properly investigate and correct these errors violates the Fair Credit Reporting Act. I am requesting immediate deletion of any item that can not be fully verified with proper documentation.

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 2026-01-27 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: MD

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Fees charged
Company: TRIAD FINANCIAL SERVICES, INC.
State: ND

Complaint narrative:
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX they have been charging me a {$7.00} service fee which I was told is required from the very beginning first payment I made in XXXX. I found some information stating that I should not be paying service fees by phone if it's not in my service agreement. So on XXXX of XXXX when I made that payment I refuse to agree to the statement they read to you over the phone do you agree to pay {$7.00} service fee with your payment I said no and they said it's okay you don't have to. In XXXX I did the same thing when I made the payment I said no again to the service fee and this time they said they would just waive it but it is required. I did call them back however and ask them for a copy of my original loan agreement they said it did include those service fees when I got the loan agreement it does not include service fees so yes they did lie to me and I believe I've been paying these fees which are illegal I'm not sure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I sent a credit card payment to XXXX  XXXX XXXX from my checking account on the chase mobile app on XX/XX/year> for the amount of {$82.00}. 
The payment is missing and both banks are sending me on my way to the other bank claiming the problem isnt theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: WY

Complaint narrative:
XXXX weeks ago we made a large payment of {$200000.00} to our mortgage with New Rez and then immediately requested a recast of our payment so that it would go from {$1800.00} to about {$200.00}. Our payment cleared on XX/XX/XXXX. We then paid their fee for a recast which is {$250.00} and that cleared on XX/XX/XXXX. We have now had to call the company over XXXX times over this last XXXX weeks and they have promised us that they would send us the recast documents for us to sign but they have not with no explanation besides saying they are continuing to work on it. XXXX already had to pay another month {$1800.00} and are coming up on another {$1800.00} payment. Each time we call they give no solutions and dont give us any expected date of resolution. They simply say theyre working on it or they can file a complaint. 
Or we can send an email.

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation