vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Issue : Improper Credit Reporting / Furnisher Violation Company : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX Description of the Problem : I am reporting LVNV Funding LLC for violating the Fair Credit Reporting Act ( FCRA ) by refusing to correct inaccurate and misleading information on my credit report. Even after I disputed the account with the credit bureaus, LVNV continues to furnish incorrect information. The credit bureaus added the language Account information disputed by consumer, but LVNV did not correct the inaccuracies or provide proper verification. Here are the inaccurate and unlawful items : False Payment History LVNV is reporting monthly payment history ( C and ND ) for XXXX. I never made any payments to LVNV, and a collection account should not show monthly payment data. This is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ) and XXXX guidelines. Improper Past Due Amount Collection accounts are not permitted to display a past due amount, yet LVNV reports {$1400.00} past due. This is inaccurate reporting. Possible Re-Aging of Debt The account shows a Date Opened : XX/XX/year>, which may not reflect when the original debt became delinquent with XXXX XXXX. If this does not match the true Date of First Delinquency, it is an illegal re-aging of the account. Failure to Properly Verify the Debt After my dispute, LVNV did not provide any documentation proving the validity of the debt or the accuracy of the information they are reporting. Under FCRA 623 ( b ), they must investigate and correct or remove unverifiable information. I am requesting a full investigation into LVNV Funding LLC for furnishing inaccurate, misleading, and unverified information, and I am requesting the deletion of the account from my credit report if they can not provide proper verification or correct reporting. Requested Resolution : Remove the LVNV Funding LLC collection account from all three credit bureaus OR Correct all reporting to comply with the FCRA and XXXX guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: KY

Complaint narrative:
Took out {$500.00} loan now I owe XXXX with incurring interest Ill never pay it off. They want me to pay {$110.00} twice a month but its going nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC is reporting a collection account on my XXXX and XXXX credit reports with a balance of {$14000.00}, originally from an unsecured personal loan with XXXX XXXX XXXX XXXX. I am disputing this account on two independent grounds : ( XXXX ) the same furnisher could not sustain this account against XXXX XXXX reinvestigation, and XXXX has deleted both the Jefferson Capital collection tradeline AND the underlying XXXX tradeline from my file under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ; and ( 2 ) the tradeline as furnished to XXXX contains multiple XXXX XXXX Format Base Segment field-level violations that render it incapable of substantive verification. The specific XXXX XXXX violations on the Jefferson Capital tradeline include : the account title bar reads " Closed '' while the Status field is completely blank, an active {$14000.00} balance is reported, and active monthly Collection ratings post every month a closed account can not simultaneously generate active monthly collection ratings and an active past-due balance ; High Credit, Current Balance, and Amount Past Due are all reported as the identical figure of {$14000.00} across the entire reporting history, indicating a single derivative value was used to populate three independent XXXX XXXX XXXX rather than reporting them from underlying account records ; Date Major Delinquency First Reported is populated with an XXXX investigation cycle date rather than the actual delinquency event date, affecting the seven-year reporting clock under FCRA 605 ( c ) ; nine mandatory XXXX XXXX fields are completely blank on an active collection account including Status, Date of Last Activity, Date of Last Payment, Activity Designator, Term Duration, Terms Frequency, Scheduled Payment Amount, and Actual Payment Amount ; and " Debt Buyer Account '' is not a defined XXXX XXXX XXXX Account Type code. I sent a formal FCRA dispute to XXXX on XX/XX/year> ( Confirmation # XXXX ) documenting these violations in detail. XXXX XXXX XX/XX/year> investigation results ( Confirmation # XXXX ) returned this account as " reporting accurately '' without addressing any of the specific violations. I also sent a direct dispute and FDCPA debt validation demand to Jefferson Capital on XX/XX/year> via USPS Certified Mail demanding deletion or production of the original signed loan agreement, complete itemized account history, and a clean chain of title from XXXX to Jefferson Capital. Jefferson Capital has not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Capital One business checking account in XX/XX/XXXX and expected to receive the promotional cash bonus by early XX/XX/XXXX after completing all required qualifying activities. I deposited the required amount of funds into the account within the required time frame, maintained the required balance during the promotional period, and completed multiple transactions in an effort to satisfy the transaction requirements for the bonus. After completing the required number of transactions, I contacted Capital One customer service by phone to confirm whether my transactions qualified for the promotion. A Capital One representative informed me that the transactions, including debit card transactions, were qualifying transactions for the bonus. Shortly afterward, my husband, who opened the same type of account and was also attempting to qualify for the same bonus offer, contacted Capital One customer service regarding his account. He was told by a representative that debit card transactions did NOT qualify for the promotion. Due to these conflicting statements, I contacted Capital One again and was then told that debit card transactions were NOT qualifying transactions. However, when my husband called again later, he was informed by another representative that debit card transactions DID qualify. We contacted Capital One multiple times afterward and continued to receive inconsistent and contradictory information from different representatives regarding the qualification requirements for the promotional bonus. We relied on the information provided by Capital One representatives when managing and using our accounts. Despite our efforts to comply with the promotion requirements and repeated attempts to clarify the eligibility criteria, we did not receive the promised bonus payment as of XX/XX/XXXX. We requested that Capital One escalate and further investigate our cases, but the issue remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: GU

Complaint narrative:
Company : Regional Acceptance Corporation Reported Balance : {$18000.00} Highest Balance : {$14000.00} Opened : XX/XX/year> Status : Closed CFPB Complaint Text I am filing a complaint regarding inaccurate and potentially improper reporting by Regional Acceptance Corporation related to my auto loan account. The account is currently being reported as Closed while simultaneously reflecting a large outstanding balance and extensive derogatory payment history. I dispute the accuracy and completeness of the information being furnished to the consumer reporting agencies. Several aspects of the reporting appear inconsistent and require investigation, including : * the account balance exceeding the reported highest balance, * continued derogatory reporting after account closure, * accuracy of the payment history, * calculation of any alleged deficiency balance, * and whether all reporting complies with the Fair Credit Reporting Act ( FCRA ). I request complete validation and documentation supporting this account, including : XXXX. The original retail installment contract ; XXXX. A complete payment ledger and transaction history ; XXXX. Records supporting all late-payment reporting ; XXXX. Any repossession or voluntary surrender documentation ; XXXX. Vehicle sale or auction records ; XXXX. Calculation of any remaining balance or deficiency ; XXXX. Documentation proving the balance is legally accurate and collectible. The current reporting is causing substantial damage to my credit profile and financial opportunities. I request that Regional Acceptance Corporation : * conduct a full investigation, * correct any inaccurate information, * remove unverifiable derogatory reporting, * and provide complete validation of the alleged balance and payment history. If the information can not be fully verified, I request deletion of inaccurate reporting from all consumer reporting agencies. I also request CFPB review of whether Regional Acceptance Corporations reporting and collection practices comply with the Fair Credit Reporting Act and other applicable federal consumer protection laws.

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 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: First Help Financial, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I financed a vehicle at XXXX XXXX XXXX XXXX XXXX, Texas ), which arranged financing through First Help Financial ( Account No. XXXX ). My monthly payment was set at {$900.00} for 72 months. Although I signed a contract, I was never provided a copy of it, nor was I given written disclosure of the annual percentage rate ( APR ), the exact loan amount, or any itemized fees in violation of the Truth in Lending Act ( TILA ). At the time of purchase, XXXX XXXX XXXX specifically represented to me that after one year of on-time payments I would be able to refinance the loan and obtain a lower interest rate. This representation was a significant factor in my decision to accept the loan terms. I have now made over 28 consecutive on-time payments totaling more than {$25000.00}. When I recently attempted to refinance as promised, both XXXX of XXXX and First Help Financial refused to assist me or offer any rate reduction. After 28 months of payments exceeding {$25000.00}, I have been informed that my remaining balance is still over {$27000.00} nearly the original loan amount. I have never received any documentation showing how my payments have been applied to principal and interest. The interest rate applied to my loan appears excessively high and was never clearly disclosed to me in writing. On XX/XX/XXXX, I sent a formal written dispute directly to First Help Financial requesting all loan documents and a written explanation of the refinancing denial, as required prior to filing this complaint. I am requesting a full investigation into the failure to provide loan documentation, the misrepresentation made at the point of sale regarding refinancing, and the disproportionate remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Disputing an illegal merchant penalty of {$1300.00} under Synchrony Claim # XXXX. The furniture store 's corporate XXXX explicitly stated in writing to the Arkansas Attorney General : 'We made an exception and cancelled the order. ' The contract delivery line remains completely blank because I canceled the order the next morning and zero goods were ever delivered. Synchrony Bank is violating the Fair Credit Billing Act by continuing to collect an unearned balance on a canceled transaction. See attached letters, AG records, and FTC report 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 2026-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
I am submitting this complaint regarding my federal student loan servicer, MOHELA, for its failure to accurately reflect my qualifying payments toward the Public Service Loan Forgiveness ( PSLF ) program following a servicer transfer, despite my repeated attempts over more than a decade to resolve this issue with my prior servicer. I have been employed in public service and have made consistent, qualifying payments toward loan forgiveness under the PSLF program. I first discovered that my payments were not being accurately recorded under my previous loan servicer, whom I contacted over ten years ago to report the discrepancy and request correction. No meaningful corrective action was taken at that time. My loans were subsequently transferred to MOHELA. Rather than inheriting an accurate and complete payment history, MOHELAs records also fail to reflect my true qualifying payment count. The errors from my prior servicer were never corrected before or during the transfer, and MOHELA has made no effort to reconcile or audit my payment history since assuming servicing of my account. I have been continuously harmed by the misrepresentation of my account status across multiple servicers, and the failure of this transfer to preserve accurate records has compounded that harm significantly. I am demanding that my outstanding federal student loan balance be forgiven in full. I have met the XXXX and intent of the PSLF program requirements, and the administrative negligence of both my former servicer and MOHELA should not be used to deny me the relief I am legally entitled to. I am requesting that the CFPB investigate this matter, compel MOHELA to conduct a full audit of my complete payment history

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I already had to refund a customer yesterday which they still cant get funds back for 7 days Its from a bartender who seek to partner with me on catering an event happening the week of XXXX thats coming to Texas she sent me payment of XXXX for meat & sides we will need since Im the XXXX well square asked me to verify my account I sent driver license and selfie my funds was on hold for 24 hours well today they put it back in review freezing my funds which is causing an issue dont want people saying I scam them because Im unable to get the funds to purchase the meat and other things I sent them Screenshot of conversation where the other person sent me screenshot of the amount she sent they asked me to upload my bank account which I find that odd as the funds hasnt been sent to my bank account because square have the funds on hold and wouldnt give me an option to transfer out so I feel like Im being scam giving them access to my bank account when funds hasnt been sent I just need them to release my funds and I will no longer do business with them unfair for them to be able to make funds when my funds are on hold not allowing me to even broadcast my business when I cant even fulfill my duties now I received email saying account cleared verified I can now transfer funds but as soon as I try transfer funds they closed me account and holding it for 180 days I dont have extra funds to pay the customer back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX veteran. I live with my XXXX XXXX XXXX wife and my XXXX XXXX XXXX son who is also my VA XXXX and holds power of attorney for me. On XX/XX/XXXX a fire severely damaged our home in XXXX, Massachusetts. Our insurance company, XXXX, promptly sent a settlement check in the amount of {$130000.00}. We endorsed the check and sent it to our mortgage company 's ( NewRez ) Loss/Draft department ( Shellpoint ) to be placed in escrow and disbursed to us as the rebuild progresses. The first dispersement came on XX/XX/XXXX in the amount of XXXX which covered demolition and rough framing both of which were completed within two months. An inspection was ordered on XX/XX/XXXX. The inspector 's report recommended a {$50000.00} draw for the next dispersement. This was in line with our contractor 's needs for materials and labor to complete the next phase which included a complete rewiring to code. An estimate of the electrical work as well as plumbing was received by Shellpoint. A Dispersement was sent to me on XX/XX/XXXX in the amount of {$20000.00}... well below the cost to continue the repairs and well below their inspector 's recommended draw. I was forced to write a check from my personal funds in order to initiate the electrical work in the amount of XXXX. Shortly after, I received a supplemental check from XXXX in the amount of {$15000.00} to cover the added cost of bringing the electrical in the home up to code. This check was endorsed by my wife and I and mailed to Shellpoint. The check was received by Shellpoint on XX/XX/XXXX and deposited into the escrow account on XX/XX/XXXX. A second inspection was ordered on XX/XX/XXXX. It was completed last Friday, but a report has not yet been filed. I have been in contact with XXXX XXXX, our representative at Shellpoint. I drafted a letter similar to this to Shellpoint and sent it to her via email. Her response was " I will try to get with management and see what we can do. I have expressed confusion and frustration as to why funds are being trickled out in increments way below what is necessary to continue repairs which have been at a standstill for over 4 weeks. I have not received an answer. Calls from my contractor ( Authorized by me with Shellpoint as a third party ) have been met with scripted customer assistance. I have uploaded every contractor estimate I have been given. None of the subcontractors will start without payment. I can not afford to pay any more as my personal account is near drained. I am wheelchair bound, living in a second floor condo with no handicap access. I have XXXX XXXX XXXX and would like to die in my home of 58 years. I am asking the CFPB to get involved at this point

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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I'm unable to update my phone number via XXXX I've contacted customer support but they're unable to reach my phone number for some reason. There is nothing they can do apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Company has not been in business for many years and is still somehow being verified as accurate on my credit reports. Requested verification from company and they fail to provide legal and valid proof of the debt they are reporting and presumably verifying for the credit bureaus. How is this possible? Who is verifying this information and what information is being used to validate their claims of debt? This is illegal reporting. Furthermore this company is violating my rights by continually re-aging a debt they never legally verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to open a checking account for the XXXX XXXX XXXX XXXX, an unincorporated nonprofit association, at the Bank of America branch at XXXX XXXX, XXXX XXXX, California. I presented the following documentation : XXXX XXXX ( signed by elected officers ) Meeting minutes from the founding meeting ( XX/XX/year> ) EIN issued by the IRS Government-issued identification for two authorized signers The Bank of America specialist , XXXX XXXX , refused to open the account, stating that Articles of Incorporation from the State of California were required. This requirement is incorrect : unincorporated nonprofit associations are legally recognized in California without any state filing ( California Corporations Code XXXX ). Additionally, XXXX XXXX asked whether the members present were " legal aliens. '' We are U.S. citizens. This question was asked without apparent basis and felt discriminatory. I am flagging this as a potential violation of the Equal Credit Opportunity Act ( ECOA ). I have an existing investment account with Bank of America with a balance approaching seven figures. What would you like to happen : A written explanation of Bank of America 's actual requirements for opening an account for an unincorporated nonprofit association An explanation of why the " legal alien '' question was asked An apology and the opportunity to open the account with properly trained staff

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 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
On XX/XX/XXXX a transaction of {$240.00} occurred due to someone fraudulently accessing my phone insurance with XXXX third party XXXX. Fraudsters attempted to file a claim that my device was lost/stolen and initiated the {$240.00} payment and proceeded with a stop payment. I immediately called XXXX and advised them that i did not initiate this claim and that activity was fraudulent. XXXX then successfully canceled this claim initiated by the fraudster. Few months i received a collections from XXXX XXXX XXXX for {$240.00}. I should not be held liable for a transaction i did not make ESPECIALLY if the claim was denied. This company is asking for funds for a transaction that was cancelled. Transaction Date XX/XX/year> Transaction Number : XXXX Return Reason : Stop payment Reference NumberXXXX

Company response to consumer: Closed with explanation