vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NC

Complaint narrative:
Person or agency claiming that I owe debt that I do not believe is legitimate. Their information provided does not match - my social security card and how my name appears there- the amount ( s ) do not match my records for any loans, student or otherwise, that have been taken out - the providers associated with those loans They have made XXXX attempts to validate or verify the debt. The first communication from them featured an AI dog, flashing colors ala fake sweepstakes banners on websites, an amount that did not match my records and did not include any of the information required by law for them to validate or verify the debt was mine. If it doesn't match my records and especially if it does not match my social security card, it should not be labelled as mine. If it is not mine I do not owe it. If that's true then I am disputing it for its inaccuracy and failure for this organization to follow the required laws

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TN

Complaint narrative:
Issue : Mortgage / Escrow / Servicing Error / Payment Application Complaint : I am submitting this complaint regarding significant servicing errors on my mortgage loan currently serviced by LoanCare , LLC on behalf of XXXX XXXX XXXX. In XX/XX/XXXX, I changed homeowners insurance carriers. Despite this, my prior servicer ( XXXX ) improperly paid duplicate homeowners insurance premiums, including {$6900.00} to XXXX. This resulted in an inflated escrow balance and a substantial increase in my monthly payment. In XX/XX/XXXX, I received a refund of {$6500.00} from XXXX, confirming the duplicate payment and escrow error. XXXX acknowledged the issue and placed my loan into loss mitigation review on XX/XX/XXXX. However, before resolving the issue, the loan was transferred to LoanCare effective XX/XX/XXXX. Since the transfer, the error has not been corrected. My account now reflects : An inflated escrow shortage of approximately {$15000.00} A monthly payment increase to approximately {$4000.00} A past due balance of approximately {$40000.00} Additionally, I have attempted to make payments on the account and have been advised that payments can not be accepted, which prevents me from curing the alleged delinquency. This delinquency is directly caused by servicer error, not borrower nonpayment. I have submitted a Qualified Written Request / Notice of Error under RESPA to LoanCare on XX/XX/XXXX. I am requesting : Immediate correction of the escrow account Proper application of the refunded insurance funds Removal of any delinquency caused by this error Re-evaluation for loss mitigation options Acceptance of payments so I may bring the account current This issue has caused significant financial harm and continues to escalate due to lack of correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CCS verified my account they were collecting on for XXXX XXXX was paid in full and that it would be removed from my credit report. To date the account is still showing up on my credit report and I have not received any documentation stating this has been satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC
State: AZ

Complaint narrative:
GreenSky Problem with a purchase / dispute / billing Issue : Dispute of loan due to failure of service Details : I am filing a complaint regarding a loan serviced by GreenSky tied to a home improvement project completed by XXXXXXXX XXXX The work performed is defective and unsafe. The installation includes uneven padding, improper stretching, and visible tack strips, creating a tripping hazard. A repair attempt was made and worsened the condition. This project does not meet the standard of substantial completion and constitutes a failure of service tied to the financed work. I opened a dispute with GreenSky ( XXXX # XXXX ), but I was told this is a warranty issue and directed back to the contractor. This is incorrect, as the work was never properly completed. I am requesting : A formal review of the dispute A temporary hold on payments during investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Imprint Payments, Inc.
State: CA

Complaint narrative:
Imprint Financial took over my XXXX Bank loan ( originally {$9800.00} at 0 % for 24 months from XX/XX/XXXX, purchased furniture from XXXX ). After transfer, Imprint never sent me a single statement. I continued paying XXXX until XX/XX/XXXX, when I called Imprint. They told me the 0 % period expired on XX/XX/XXXX and demanded {$8900.00} to pay off the balance. I paid it, but later discovered {$2100.00} of that was wrongful interest. I immediately disputed this. Imprint 's own online system shows a credit of $ XXXX the error. For six months, they have refused to refund it, claiming they can not access my payment history from XXXX ( their problem, not mine ). Each time I call, they promise management will call back, but never do. I request a refund of {$2100.00}.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activi ty may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
idland Credit Management is attempting to collect an alleged debt without providing sufficient documentation or prior account history to establish validity, ownership, or accurate balance. I have not received meaningful documentation such as original account statements, a complete payment history, or a copy of any agreement linking me to this alleged debt. The information provided so far is insufficient to verify that I am responsible for the account or that the amount being claimed is accurate. Despite the lack of adequate validation, collection efforts continue. This creates confusion and concern regarding the legitimacy of the debt and whether proper procedures under the Fair Debt Collection Practices Act ( FDCPA ) are being followed. I am requesting that the CFPB review whether Midland Credit Management is complying with federal requirements for debt validation and accurate representation of consumer debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My father passed away XX/XX/year>. He had several accounts at Bank of America. I havce been there many times trying to get access to the Safe Deposit Box. They have had me get death certificates, then they said I needed Letters of Testementary, etc. I went there again today for probably the 4th time. They have a trust account of his and a safe deposit box. I brought the letters of Testementary which is the last thing the said I needed. I went around XXXX XXXX to the branch at XXXX XXXX XXXX XXXX. I met with XXXX XXXX. First we called estates services dept on a recorded line who said all was in order now and all I had to do was fill out a Letter of Instruction which I did. This was also confirmed with the trust estates dept. After filling it out and submitting it XXXX called the XXXX XXXX XXXX department and spoke with XXXX XXXX. THis is around XXXX. SHe said now we needed the death certificate of my mother who died years before. Never had they mentioned this and it certainly is irrelevant as they were notified of her death and had given my father complete control. At this point I suspect that the Bank is trying to delay this until escheatment happens. I do not know why tehy would do this but I would like this looked into as they are holding assets illegaly that do not belong to them and show no signs of remedying the situation after all of this time.

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 non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Have had the card a little while o use quite often and despite having XXXX limit I usually pay it off before it gets over XXXX. I ve had a rough few months dealing with family stuff made 1 late payment an oversight. I Acatually paid the card off after. I go to use the card and my limit went from XXXX to XXXX. You need to sue the card to get the sales so it made no sense using the card why would anyone have a XXXX limit. We called from the store trying to get it resolved and it was quite embarrassing. Point is it seemed it was better to punish my one late payment for them then for me to actually use the card on a XXXX purchase I was making it seemed absurd and embarrassing. And absolutely extreme to from XXXX to XXXX for one late payment. Then the card was paid off and its use quite frequently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Include dates, amounts, and actions that were taken by you or the company. Date : XXXX XX/XX/year> Amount : {$20.00} Actions : Hello, I recently opened a saving/checking account by a local finance manager and was not able to look into the account since some urgent personal issue need to be dealt with out of the city. I then noticed that this account has a monthly maintenance fee and running low and closed. I called the bank and was informed they can not refund/do anything due to the account is closed. I am surprised with the monthly fee, the sudden account close, and the related response. I do not really want to open a new account, and I can not look into it due to the urgent personal matter. I am wondering if the bank can refund the charge. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XXXX XXXX XXXX is attempting to collect an alleged debt without providing sufficient documentation or prior account history to establish validity, ownership, or accurate balance. I have not received meaningful documentation such as original account statements, a complete payment history, or a copy of any agreement linking me to this alleged debt. The information provided so far is insufficient to verify that I am responsible for the account or that the amount being claimed is accurate. Despite the lack of adequate validation, collection efforts continue. This creates confusion and concern regarding the legitimacy of the debt and whether proper procedures under the Fair Debt Collection Practices Act ( FDCPA ) are being followed. I am requesting that the CFPB review whether XXXX XXXX XXXX is complying with federal requirements for debt validation and accurate representation of consumer debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I made payments in the amount of {$99000.00} on XX/XX/XXXX, another second payment of {$99000.00} on XX/XX/XXXX, a payment of {$75000.00} on XX/XX/XXXX, and a payment of {$64.00} on XX/XX/XXXX. The first three payments were to pay off my mortgage balance, and the final payment of {$64.00} is for administrative and filing fees to close the account. Rocket mortgage has not applied the last payment for {$75000.00} - saying the payment must be made via wire transfer. I have asked them to send that {$75000.00} amount back so I can make it by wire transfer and they have not done so. I have asked three time so far, and each time they say it is on the way. I have not received my funds back and they are continuing to accrue interest on the {$75000.00} 'balance ' that I have already paid. They have my money, but are not applying the payment to my account, and are now charging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Constar Financial Services, LLC
State: TX

Complaint narrative:
I am disputing an alleged auto debt being collected by Constar Financial Services and request immediate investigation. I submitted a written request for full account validation, including a complete balance breakdown, payment history, original creditor information, and documentation supporting the alleged debt. As of today, I have received no response and no documentation has been provided. This account is directly related to a total loss vehicle and a GAP insurance claim. The Texas Office of Consumer Credit Commissioner ( Complaint # XXXX ) confirmed that the GAP administrator improperly applied a {$1600.00} condition adjustment without supporting documentation. Following this finding, XXXX XXXX issued a corrective credit of {$1800.00} to the account. Despite this confirmed error and correction, Constar Financial Services is attempting to collect on this account without providing validation of the current balance or documentation reflecting these adjustments. Given the prior miscalculation and lack of documentation, the validity and accuracy of this debt remain in question. The failure to respond to a written validation request and continued collection activity without proper documentation raises serious compliance concerns. I request : * Full account validation with supporting documentation * A complete and accurate balance reflecting all corrections * Suspension of all collection activity until proper validation is provided If the debt can not be properly validated, it should be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
I was never provided the opportunity to dispute the debt. I was not sent information in regards to the debt in order to validate within timeframe. I requested debt validation and did not receive such.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG HOLDINGS INC
State: AR

Complaint narrative:
I receive, am eligible for, or have within 6 months received, aid to families with dependent children, relief funded by a relief block grant undeXXXX XXXX XXXX, relief provided by counties under section 59.53 ( 21 ) of the Wisconsin Statutes, medical assistance, supplemental security income, food stamps, or veterans benefits based on need under 38 USC 1501 to 1562 or section 45.351 ( 1 ) of the Wisconsin Statutes. My household income is less than the poverty line, or this garnishment would cause that to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: NY

Complaint narrative:
I have made multiple attempts to dispute this account directly with the debt collector, LVNV Funding LLC, serviced by Resurgent Capital Services. On XX/XX/year>, I received a response that failed to provide proper validation of the alleged debt. The company only provided a generic account summary and partial billing statements, which do not meet the legal requirements under the Fair Debt Collection Practices Act ( FDCPA ). I specifically requested full validation, including a signed agreement, complete account history, chain of assignment, and proof of legal authority to collect this debt. The company failed to provide these documents. Additionally, the information they provided contains inconsistencies in balances, dates, and account history. Despite these inaccuracies, the account continues to be reported to the credit bureaus. This is my third formal dispute, and the company continues to report unverified and inaccurate information, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting : * Immediate deletion of this account from all credit reporting agencies * Immediate cessation of all collection activity * A full investigation into the companys compliance with federal law If this matter is not resolved, I am prepared to pursue further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 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: IL

Complaint narrative:
I am filing a complaint regarding Discovers handling of a billing dispute ( Case # XXXX ) for {$2000.00} from XXXX XXXXXXXX XXXX XXXX The rental vehicle was checked out at XXXX on XX/XX/year> and later that same day experienced a mechanical failure. The car was retrieved and repossessed by the merchant at XXXX XXXX through a third-party agent, XXXX XXXX and XXXX. From that point forward, I no longer had possession or control of the vehicle. However, my XXXX credit card was charged for 13 days and 2 hours. XXXX initially resolved the dispute in my favor and replaced the temporary credit with a credit adjustment. However, 14 days later XXXX reversed the credit and the charge showed up on my statement again. I was talking back and forth with XXXX XXXX XXXX XXXXXXXX who admittedly apologizes and regrets not being able to help since a dispute was raised and says XXXX card will assist. I provided all the evidence to show the charge is invalid. And XXXX still disputes it is valid without providing proof that I had the car for 13 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management refuses to remove this fraudulent account from my credit file. I have tried several times to fix this to no help. Balance : {$1200.00} This is fraud! Not mine!

Company response to consumer: Closed with explanation