vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 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: FL

Complaint narrative:
I have sent this company affidavit 's signed by myself, letter 's from several police departments along with police reports and character witness statements which they ignored all of them, I have seen other consumers on this website who has done the same exact thing I did and this company has denied all of the information, the company is right now being sued by the state of NY for falsifying information and doing the same thing to consumers in the state saying that accounts belong to them when they do not, being an identity Theft victim isn't fun and I just was informed of a new case where I had to get another police report for the XXXX who advised me that my information was being used in XXXX a state I have never been to, please see screenshot of the account info. Collections LVNV FUNDING LLC Opened XXXX {$730.00} LVNV FUNDING LLC Opened XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BROKER SOLUTIONS, INC.
State: UT

Complaint narrative:
After previously submitting a complaint with the CFPB, I was told by the company that they would help me get through the process of getting a short sale after giving me false information several times during the application process previously. Now as we are trying to get an appraisal done on the property, we are being told false information again and I'm unsure where this information is coming from. I received an email on XX/XX/XXXX saying that the realtor I am using is telling people not to enter the property and then she asked me how to proceed ( something I wouldn't know as I don't work in this field ). I then responded and told her that my realtor never said that and confirmed with my realtor by attaching him to the email as well to clarify that we only suggested they wear a mask due to mold damage in the house due to a pipe that had burst. Never did we once say do not go to the property, just to wear a mask to ensure that we are legally covered in case they were to get sick or anything that could potentially occur. We were then told that the mortgage company that they had reached out an a appraiser would call us and schedule after we had clarified everything. Now today, XX/XX/XXXX, I emailed them for an update as we had not yet heard anything from an appraiser to schedule. When I emailed this the Supervisor from home retention then stated that the vendor advised that different appraisers have reached out and been told not to come to the property due to the condition of the property and that if the appraisal can not be done then they can't proceed with the short sale. Now this again made no sense as we clarified days ago that we never said that and she acknowledged this in her previous email. They have not given solutions on how to proceed or anything I could do if this Short Sale does not go through which has been in process since XXXXXXXX. I am deeply upset and frustrated as I feel they are making things up and omitting information which is now costing me more money and also destroying my credit score while we wait to amend this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable collection accounts being reported on my consumer credit reports by LVNV Funding LLC, XXXX XXXX, and XXXX XXXX. I disputed these accounts and requested proper validation, including a signed agreement, complete payment history, full account statements, proof of ownership, chain of assignment, and the date of first delinquency. The companies failed to provide sufficient documentation or competent evidence proving the alleged debts are accurate and legally enforceable. Despite the lack of validation, the accounts continue to be reported and are damaging my credit profile. The information being reported is inconsistent and incomplete, including inaccurate balances, missing payment dates, missing collection placement dates, and contradictory account information. For example, one account reports a {$0.00} original balance while simultaneously reporting an active collection amount. Other accounts contain incomplete reporting fields and unverifiable information. These inconsistencies raise serious concerns regarding the accuracy and legality of the reporting. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), furnishers and debt collectors are required to report information with maximum possible accuracy and provide proper validation upon dispute. Because the companies failed to provide adequate verification and continue reporting inaccurate information, I am requesting an immediate investigation and permanent deletion of these collection accounts from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my third formal request to review and correct the unauthorized accounts and inquiries appearing on my credit report. These inaccurate entries have significantly impacted my XXXX score and have created serious challenges for my financial stability.

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: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding my auto loan account, which was paid in full on XXXX XXXX XXXX. Despite the fact that more than one week has passed since my final payment was processed, the lender has failed to take two essential actions : Failure to Update My Credit Report The outstanding loan balance continues to appear on my credit reports. It is frustrating that lenders are very quick to report debt to the credit bureaus, yet they are often slow to update the records once the consumer has fulfilled the obligation in full. Failure to Release the Vehicle Lien The lien on my vehicle has not yet been released, even though the loan has been fully satisfied. This unnecessary delay prevents me from having clear title to my vehicle. I respectfully request that this matter be investigated and that the lender be required to : Immediately update all credit reporting agencies to reflect that the loan has been paid in full with a XXXX balance. Promptly release the lien and provide any documentation necessary to confirm that the lien has been satisfied. Consumers should not be penalized by administrative delays after meeting all of their financial obligations on time. Thank you for your prompt attention to this matter. Sincerely, 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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: ID

Complaint narrative:
On XX/XX/2026 - I attempted to work with Acima to end the loan early by doing a payoff amount. ( Phone # called was XXXX ). They offered me {$250.00} to pay it off. I have already paid over {$900.00} for a {$700.00} product. I told them that I could not afford that at the moment, but that I no longer wanted automatic payments to be taken out. I wanted to be able to make the payments on my paydays ( 2x/month ). They told me that yes that was taken care of. On XX/XX/XXXX- they attempted to automatically withdraw {$69.00} from my checking account. I had already taken off the automatic payments on XX/XX/XXXX. On XX/XX/XXXX- they again attempted to automatically withdraw {$69.00} from my checking account. I called Acima ( phone # called was XXXX ) and was told that yes automatic payments was taken off per the notes in the account. The agent stated there was nothing more they could do. I was told no more automatic payments. They are now taking money from my account illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
I used to pay these people on my own on scheduled times and i stop paying these people because i can no longer pay them and they were charging me a lot on interest basically i stop paying them and they now are taking money from my bank account without being authorized to do so the first time they tried i did not have money in the account and i call my back to block them from doing so this was in XXXX, today XX/XX/year> they removed XXXX dollars from my account without no permission and this is unacceptable i had to call my bank again and submit a claim and block them permanently from taking any money from me.

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 — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX XXXX I accessed my account because the bank declined me from transferring money over. I went to look at my account and the balance was XXXX XXXX I immediately went to the transactions to see why and how there was no money in my account and there were charges from a merchant XXXX. As per my understanding these charges are unknown and were not made by me. I call the bank they tell me to make disputes. I even write them in the message box make the disputes and we will help you. There were a lot of charges so I disputed them the best of my ability. Trying to keep track of them was hard bc it was a lot. As Im disputing them they are asking me questions who have access to my account and phone and pins I gave them the only two people whom have acccess to my accounts. Which is my Son XXXX XXXX and Brother XXXX XXXX. I gave them all the information they needed and they told me they would help get my money back. Ive been calling messaging them for days trying to get answers and someone to tell me what is happening and how the investigation is going. For days now theyve told me the investigation is open and they are working to resolve it. They closed my card down and gave me a new one. So today Ive talked to them and they told me the case is now closed and was closed on the XXXX but Ive been messaging them and calling them since the XXXX and they told me it was open?? So I got upset because they told me they denied the disputes because I have history with the merchant and made duplicate disputes while disputing. Which is crazy because I dont know if the disputes were a duplicate I just know I was disputing every charge that I saw! This bank is not trying to help me get my money back they are siding with a merchant and I am their customer who trust them and put my money on their bank! I need help getting my money back please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: OH

Complaint narrative:
Subject : Credit Discrimination and ECOA Violation based on XXXX Income by Global Lending Services LLC1. Background and Pre-ApprovalI applied for an auto refinance loan with Global Lending Services LLC. Based on my initial financial profile, credit history, and application details, I was formally pre-approved for the vehicle refinancing. Following the lender 's instructions, I submitted the requested proof of income documentation to finalize the loan process.2. The Discriminatory Act & Admission of Unlawful Policy ( ECOA Violation ) On XX/XX/scrub>XXXX I received a written email response from XXXX XXXX, Senior Refinance Coordinator at Global Lending Services LLC ( Phone : XXXX ext. XXXX ). The email explicitly stated that Global Lending Services LLC was halting my pre-approved application solely because of my status on XXXX. The representative explicitly stated that it is " company policy '' to refuse to proceed with applications for individuals on XXXX, writing : " Unfortunately, we are not able proceed with your application while you are on XXXX. It is a company policy. '' The email further stated that the lender would only work with me if I were to get off XXXX, and explicitly directed me to use a different lender if my XXXX is ongoing : " If you are not able to get off of XXXX and you would still like to refinance your vehicle, we recommend re-apply through XXXX XXXX and selecting another company to work with. " 3. Direct Violation of Federal Civil Rights Law Under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( a ) ( 2 ), it is strictly unlawful for any creditor to discriminate against an applicant because all or part of the applicant 's income derives from any public assistance program, which includes XXXX benefits [ 1 ]. Maintaining a formal corporate policy that categorically refuses to process auto loans for individuals currently on disabilityand explicitly telling a consumer that they must find a different lender if they can not get off disabilityis a clear violation of federal fair lending laws [ 1 ] .4. Financial Impact and Harm By refusing to proceed with a pre-approved loan based on an illegal, discriminatory corporate policy, Global Lending Services LLC has denied me the opportunity to lower my vehicle payments, reduce my interest rate, and save money. They have caused me direct financial harm and severe emotional distress through blatant discrimination.

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: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One Attn : Executive Customer Relations RE : Goodwill Request for Removal of Negative Reporting To Whom It May Concern, I hope this letter finds you well. I am writing regarding my Capital One account that was previously settled and is currently reporting negatively on my credit report as Paid in settlement with a charge-off balance written off. I fully acknowledge that I experienced financial hardship during that period, which affected my ability to maintain the account as agreed. Since then, I have been working hard to rebuild my financial stability and improve my credit standing. I take full responsibility for the difficulties that led to the delinquency and sincerely appreciate the opportunity I had to resolve the account. I respectfully ask if Capital One would consider making a goodwill adjustment by removing the negative reporting associated with this account from the credit bureaus. This adjustment would greatly assist me in continuing to rebuild my financial future and qualify for stable housing, transportation, and better financial opportunities. Since resolving this account, I have made significant efforts to improve my financial habits and maintain responsible credit behavior. I understand that Capital One is under no obligation to grant this request, but I would be extremely grateful for your consideration as a gesture of goodwill. Thank you for taking the time to review my request. I truly appreciate your consideration and hope for a positive resolution. Sincerely, XXXX XXXX

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: Nelnet, Inc.
State: OH

Complaint narrative:
In XXXX of XXXX, I re-enrolled at XXXX University as a full-time student. In XXXX and XXXX of XXXX, I received invoices for a past-due balance of {$21000.00} when my federal student loans were automatically placed in XXXX XXXX. The XXXX invoice was a 30-day notice, and the XXXX invoices were 15 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
My Morgage was sold from XXXX to Carrignton in XXXX. I was/am still paying my monthly note with the escrow so I didnt know until recently that my insurance lapse and now I am paying Forced Insurance, I tried to go back and renew my insurance but now they have a flag on my account for non payment. I assumed that as long as I made payments the insurance should carry over as it did when XXXX sold my mortgage to XXXX, that did not happen so now I had to go find home owners insurance and there is a flag on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XXXX XXXX XXXX my dog, XXXX, had to be put down due to a XXXX XXXX. I applied for a credit card with Care Credit. CareCredit was advertising a 3rd party affiliate called XXXX XXXX. The only thing I was told was that XXXX XXXX would pay off your balance if you went on a leave of absence. I had XXXX XXXXXXXX in XXXX XXXX so I made a claim with XXXX XXXX. However, they said I was only eligible to have my payments made by XXXX XXXX while I was off. I told them this is not what I signed up for but they said that's all I was eligible for. Fast forward to XXXX XXXX. I was charged for a month of XXXX XXXX on XX/XX/XXXXXXXX XXXX. I called on XXXX XXXX to cancel the service. It cost me more than it would ever save me. I was under the impression that the person I spoke to would reverse the XX/XX/XXXX charge. They did not. The {$87.00} charge ended up pushing my promotional balance past its expiration date. To date I have been charged over {$900.00} in interest because I can't afford the fees and deferred interest charges that are on my Care Credit account. I budgeted for exactly what I needed to pay off my balance, and that has snowballed out of control. Care Credit claims they don't own this sham company, XXXX XXXX. However it is very clear that they are affiliated together.

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: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I am attempting to re-finance an existing home loan. I have kept up with payments and was doing well until this month when I am told I'm in ARREARS by 2 months, when my payment history since XXXX, 2026 on THEIR OWN website says I am current. ( XXXX, XXXX, XXXX ). I am even enrolled in automatic payments and somehow the system missed me or something? But now, In XXXX, it shows 2 payments behind, which has affected my credit score. I don't understand what is going on. I am a XXXX percent XXXX Vet and just trying to pay some things off and I feel trapped. I would very much appreciate any help you can give, sorry to bother you with little stuff.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX Resolution Date XX/XX/XXXX Description XXXX * XXXX XXXX XXXX CA Amount {$29.00} Dispute # XXXX Current dispute status is Dispute DateXXXX Status Updates XX/XX/XXXX Transaction has been found to be valid. Resolution Date XX/XX/XXXX Description XXXX * XXXX XXXX XXXX XXXX Amount {$31.00} Dispute # XXXX Current dispute status is Dispute DateXXXX Status Updates XX/XX/XXXXXXXX Transaction has been found to be valid.

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

Complaint narrative:
On XXXX XXXX XXXX, Affirms automated system falsely flagged my legitimate {$400.00} purchase as a fraudulent transaction. I immediately contacted customer support via chat, verified my identity, and explicitly confirmed to the representatives that the transaction was fully authorized and necessary. Instead of restoring my payment plan as requested, the Affirm representative voided the loan entirely. Affirm has already processed and withdrawn my {$200.00} down payment from my original payment method, and the agent informed me that it will take 3 to 10 business days for the money to be refunded. Because Affirm is holding my {$200.00} down payment due to their own system error, I am financially gridlocked and unable to reapply for the purchase today. Affirm has refused to immediately release my funds or offer a $ XXXX override to fix their mistake, causing me immediate financial hardship. I am seeking either the immediate release of my {$200.00} down payment or a manual override to reinstate my transaction.

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 is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
On XXXX, I received a phone call from XXXX ( XXXX ) XXXX from a caller who initially refused to identify themselves and asked whether I was XXXX XXXX with a date of birth of XX/XX/XXXX. A XXXX search identified the number as belonging to Midland Credit Management ; however, when I returned the call seeking additional information, I was informed that they had contacted the wrong XXXX. As a result, I am concerned that the call may have been a scam or an attempt to obtain personal identifying information fraudulently.

Company response to consumer: Closed with explanation