vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I am experiencing multiple servicing issues with my XXXX mortgage serviced by Midland Mortgage XXXX MidFirst Bank XXXX XXXX There are discrepancies between the XXXX XXXX XXXX monthly billing statement and the XX/XX/year> payoff statement. These include unclear fees, escrow inconsistencies, and possible misapplied payments. 

On XX/XX/year>, I mailed a Qualified Written Request/Notice of Error ( QWR/NOE ) under 12 CFR 1024.35 and 1024.36, requesting : - a complete payment history, - detailed escrow analysis, - itemized fees and corporate advances, - HUD partial-claim verification, XXXX and identification of the loan owner/investor. 

Midland is required to acknowledge the XXXX by XX/XX/year> and provide a full, written response by XX/XX/year>. I am filing this complaint to ensure Midland complies with RESPA servicing rules and provides accurate, verified records to resolve the discrepancies.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I was advised by letter from Ally Bank dated XXXX XXXX, XXXX  that they were not agreeable to handling the proposed transaction as submitted by the automobile dealership where I was purchasing a new XXXX XXXX XXXX. Erroneous information from XXXX XXXX XXXX XXXX was cited as one of the reasons ; i.e. ( 1 ) Length of residence too short even though my husband and I have lived at our present residence for 25 years ( 2 ) Distance between address and area code of phone even though our land line and two cell phones share the same area code as our address ( 3 ) Limited history for consumer at this phone even though we have had our land line with the same telephone number for 25 years ( 4 ) Too few active accounts even though we have a mortgage that is 85 % paid off, zero percent auto loan through XXXX XXXX XXXX that was almost paid off and credit cards from XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX that we have had for years and which we pay in a timely manner to avoid paying any interest on them. Upon receipt of the above-mentioned letter, I wrote a letter to XXXX XXXX XXXX on XX/XX/year> disputing the erroneous information they had provided to Ally Bank and requesting that they provide immediate evidence that my records have been corrected. To date I have not had a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I called Fay Services asking them about credit reporting because the original company that had my loan was reporting positive payments, Fay Services told me that they do not report to the credit bureaus. which affects me getting a second home to occupy because my credit doesnt go up from the positive payments also they said that they wont report negative, but they wont give me a letter saying that they wont report negative and the wont give me custom letters. I asked for custom letters about what I can or cant do to the home as the time came for me to want to edit the home but cant get in writing that Im ok to do so. Also this had left me to the point where I had just want to sell the home so I wont be tied to a company that has a shady history to deal with the issues, but in order to sell my home, I am affected by the terms of the loan as if the loan nor can I rent out the home because of the cost vs the income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Unlike other major credit card issuers, XXXX does not reflect the Statement Balance Due on their payment site. The show the Minimum payment due, the Current balance of the account, the Last statement balance, and an option to select and enter an Other amount you might wish to pay. The problem is the consumer is not offered or able to select on the Statement Balance Due. Also note that the Current Balance amount included purchases made after the billing cycle, not the current statement balance. These practices are deceptive and misleading to consumers. 
In addition, they require the minimum payment amount to be paid even if the Statement Balance Due is less than the minimum. For the billing statement with a due date of XX/XX/year> my statement balance was {$220.00}, but I then made returns totaling {$190.00}, therefore the Statement Balance Due was {$25.00}. That was not an option for me to pay so I selected Other and paid {$25.00}, but received a {$30.00} late payment fee for not paying the minimum of {$30.00}. The Minimum was more than I owed for the billing period and I should not have been charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: GA

Complaint narrative:
Earlier this year, multiple unauthorized transactions were made through my XXXX accounts by a third party who gained access to my login information without my permission. These purchases totaled approximately {$5000.00}. The items were not ordered by me and were shipped to addresses in Alabama, while I live in Georgia and did not receive or benefit from any of the goods or services. Some of the fraudulent purchases included online orders from XXXX and XXXX, as well as hotel and rental car bookings. 

I reported the fraud to each company on XX/XX/XXXX and explained that someone accessed my account and used my stored card information without authorization. Despite filing the disputes, I have not received a proper resolution, written update, or case number confirming that the issue is being addressed. The accounts have not been paused, and the companies continued to show balances and activity related to the fraudulent charges. 

This situation involves both unauthorized account access and unauthorized card use, and I am requesting a full investigation and removal of all fraudulent transactions. I am requesting a full reversal of all unauthorized transactions, removal of all charges and balances created by the fraudulent purchases, deletion of any late fees or penalties, and correction of any negative credit reporting related to this incident. I also want written confirmation that my account will not be held responsible for purchases made through unauthorized access, and that my account will remain paused with no collection activity until the investigation is fully resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am filing a complaint regarding my auto lender 's failure to properly and accurately maintain and report my loan account, and their attempts to enforce repossession despite account irregularities.

My lender has not reported my auto loan to any of the major credit bureaus ( XXXX XXXX or XXXX ). The lender reports other customers ' loans, but they have failed to report mine since the beginning of the contract. This raises serious concerns about the accuracy, completeness, and integrity of their account records, and it appears to violate their contractual obligations, UCC good-faith requirements, and FCRA furnisher standards.

Because the lender has not reported the account at all, it appears they may not have properly maintained : Payment History Ledger entries Account Balances Chain of title/assignment records Default status Despite these issues, the lender is attempting to move forward with repossession, which I believe is improper due to : 1. Inaccurate or incomplete account records 2. Potential Contract Breach 3. Failure to provide sufficient documentation validating the loan and alleged amount due.

I am requesting the CFPB 's assistance to require the lender to - Provide full account validation and complete documentation - Explain why the loanwas never reported to the credit bureaus - Correct any errors or omissions -Pause all collection and repossession activity until the dispute is resolved - Provide proper notices required under state law and UCC Article 9 I want the lender to address these discrepancies before the take any enforcement action such as repossession.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
To Whom It May Concern at the Credit Reporting Agency : This letter disputes the reporting of the above-referenced debt, which originated from a lawsuit filed by LVNV Funding LLC in XXXX XXXX XXXX XXXX Texas ( Case No. XXXX ). 

Justification for Deletion : Court Dismissal : The entire case was DISMISSED FOR WANT OF PROSECUTION by Judge XXXX XXXX on XX/XX/year>. 

No Finding of Guilt : This dismissal is not a judgment against the consumer. It means the plaintiff failed to pursue their claim, resulting in the case being thrown out.

Inaccurate Reporting : Since the underlying legal claim was dismissed by court order, the record is no longer accurate or verifiable.

Demand : I demand the immediate complete deletion of all information related to this account and litigation from the credit file of XXXX XXXX XXXX. 

A copy of the " DISMISSAL FOR WANT OF PROSECUTION '' court order is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I noticed that I have been continuously charged interest rate on an account that is not supposed to be charged any interest based on the then and current promotion that if I bought any bag at XXXX  store, it is supposed to be interest free. Citibank bought my account from XXXX last year with the same zero interest. As at the time of Discovery Citibank has charged {$120.00}. As at the time of the purchase till present, Dillard 's is still telling the public that there is no interest if you purchase XXXX XXXX bag, it will be no interest. It is false advertisement by Dillard 's Mastercard to continually charge interest on what is supposed to be zero interest purchase.

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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I got approved for the XXXX card from capital one. I did not receive a verification text so my online access was restricted. I called Tuesday and Wednesday and was told to wait for the card. The card arrived and they said I had to verify for fraud protection since I had put the wrong birthday by accident. I submitted passport, utility bills, bank statements, and ID and called everyday until the following Monday for confirmation. Was told that it was clear to use the card now. Proceeded to try to make a purchase of {$1000.00} for a new phone at the XXXX XXXX on XX/XX/XXXX and the card was denied. Called to see what was wrong and now they needed me to submit everything once again to verify a change to my date of birth since it was incorrect even though they said the card was cleared for use. Another 10 day process. Called this morning XX/XX/XXXX and now they want to verify my residency on top of date of birth with no explanation why. This new verification was not mentioned until this morning. I have called customer service everyday for the past 2 weeks trying to escalate the issue and see why I suddenly need 2 more verification cases and why my card is not useable after they verbally confirmed over the phone that the card was clear to use. Currently I have been told there is nothing they can do and that I need to resubmit all documents once again and wait for them to verify. It has been 14 days since approval and the card and online account is unusable. Potentially stalled for another 10-16 days due to constant verifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am submitting this complaint regarding a material and unacceptable change to my loan terms four ( 4 ) days before my scheduled closing date of XXXX XXXX. 

The Initial Agreement : My loan agreement was based on the initial Loan Estimate ( LE ) that included an estimated lender charge of {$1300.00}. I also agreed to pay approximately {$1400.00} in discount points to secure a fixed rate of 5.625 %. The total agreed-upon fees were {$2800.00}.

The Disputed Change : On Friday XX/XX/XXXX, my loan officer informed me that a prior waiver or commitment regarding the origination charge had been removed ( LLPA Waiver ). This resulted in an immediate increase of {$5100.00} in lender-charged fees, raising the total fees ( including points ) to {$8000.00}. This change in cost occurred 3 days prior to closing, making me financially captive to the deal.

My loan officer told me that he did not know why the
LLPA waiver was taken away and that he is " fighting it '' and " talking to secondary to get an answer '' but that ultimately is going to be whatever they send in the closure document. I received the closing disclosure at XXXX XXXX  CT on XX/XX/year> meaning after hours ( see attached snip ). 

Regulatory Violation and Unfair Practice : This unexpected and drastic increase in the Origination Charge ( Section A on the LE/CD ) appears to violate the TRID Rule 's fee tolerance requirements, as it was not based on a legitimate " changed circumstance '' and was sprung on me just days before closing.

The timing of this " bait and switch '' tactic constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ), as it exploits my lack of time to switch lenders without jeopardizing the purchase contract. Furthermore, this change requires the issuance of a new Closing Disclosure, which automatically forces a delay in my closing.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am a victim of identity theft and disputed multiple fraudulent accounts on my TransUnion credit report, including XXXX XXXX XXXX  and XXXX XXXX. After my dispute, these accounts were removed from my credit file. 

However, shortly afterward, at least one of these accounts ( XXXX XXXX XXXX  ) was reinserted back onto my report without notice, even though it had already been removed during my identity theft dispute. 

Under the Fair Credit Reporting Act ( FCRA ), a furnisher or credit bureau can not reinsert previously deleted information unless : They certify the accuracy of the information, AND The credit bureau provides the consumer written notice within 5 business days of the reinsertion.

Neither of those requirements occurred.

I received no notice, no certification of accuracy, and no explanation.

This reinsertion caused additional credit harm and is especially concerning because : I had already reported identity theft, I provided supporting documents, The accounts were removed, indicating they were not verifiable, Then they reappeared despite the 605B protections.

I am requesting : Immediate removal/blocking of all reinserted fraudulent accounts, Written confirmation of the reinvestigation and blocking, Compliance with FCRA reinsertion rules, Prevention of further re-reporting without proper certification and notice.

I am acting in good faith and only want accurate reporting. These reinsertions are causing ongoing harm and violate my rights under the FCRA.

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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The company is claiming they can not identify the account, but the collection is clearly reporting under my credit profile with the exact company name and balance. I already provided proof by uploading the screenshot that shows the account, balance, and the listed furnisher. This proves the account exists and is being furnished by Credit Collection Services. They have not shown any original proof that I agreed for them to receive or use my personal information. They have not provided a contract, a signed agreement, or any lawful evidence of assignment. Under 15 U S C 1681e b and 1681i they must only report information that can be fully verified. Asking me to email them directly goes against my request for communication through this portal only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters is reporting a XXXX XXXX account with a false Date Opened of XX/XX/year>, even though the debt originated long before that date. I have the original past-due notice from XXXX XXXX showing the account was already delinquent well before the date the collector is reporting.

By assigning a newer and incorrect opened date, National Credit Adjusters is illegally re-aging the account. This violates : FCRA 623 ( a ) ( 5 ) Furnishers must report the true Date of First Delinquency ( DOFD ) and can not restart, reset, or change the date to make a debt appear newer.

FCRA 607 ( b ) All furnished information must be accurate and verifiable.

FCRA 611 Unverifiable or inaccurate information must be deleted.

National Credit Adjusters is also reporting a status date and opened date that do not match the original creditors records. This creates a misleading and inaccurate representation of the debts age, which violates : FDCPA 1692e False, deceptive, or misleading representation of a debt.

FDCPA 1692f Unfair or unconscionable collection practices, including manipulating dates.

This incorrect reporting has caused damage to the consumers credit profile by making an old debt appear recent when it is not.

I am requesting : 1.Immediate deletion of this account from all credit bureaus due to illegal re-aging under FCRA 623 ( a ) ( 5 ).

For privacy reasons, I am not attaching certain documents because I am not obligated to assist a debt collector in validating or collecting a debt. If the CFPB needs the documents for review, I will provide them directly to the CFPB, not to the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Company : MoneyLion Product : Prepaid card / Banking app Issue : Unauthorized transactions, dispute denied, improper investigation ( Regulation E violation ) What happened On XX/XX/year>, three unauthorized ATM withdrawals were made from my MoneyLion account at : XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$1000.00} {$1000.00} Total stolen : {$3100.00} I did not authorize these transactions. I was not at the ATM. I filed a dispute with MoneyLion immediately. 

On XX/XX/year>, MoneyLion sent me an email ( screenshots attached ) stating they had completed their investigation and determined no error occurred. They then closed my dispute.

Their stated reasons were : 1. PIN memorized, no PIN failures.

2. Cardholder freezing/unfreezing the card.

3. Card was reported stolen, but another card-present transaction indicates the cardholder is in possession of the card.

These claims are inaccurate, unsupported, and contradict basic fraud laws.

Why MoneyLion is in violation MoneyLions investigation was not reasonable or compliant with EFTA/Regulation E, because : Correct PIN entry does not prove I made the withdrawals. A criminal can obtain a PIN.

Card freeze/unfreeze history doesnt prove it was done by me.

Their own letter states the card was reported stolen, yet they still assumed I had it.

They never referenced ATM camera footage or any real evidence.

Three identical withdrawals in the same amount on the same day is a known fraud pattern, which MoneyLion ignored.

I did not receive any provisional credit, which is required by Reg E if an investigation takes more than 10 days.

Their conclusion is based entirely on assumptions, not facts.

What I want the CFPB to do I am requesting that the CFPB require MoneyLion to : 1. Reopen and properly investigate my dispute.

2. Provide the provisional credit of {$3100.00} that I am legally entitled to.

3. Provide documentation of the investigation they claimed to complete.

4. Explain why a card reported stolen was still treated as in my possession.

5. Correct their violations of EFTA/Regulation E.

I have attached the denial email and all supporting screenshots.

Impact on me This loss has put me under significant financial hardship. MoneyLion is refusing to take responsibility, refusing to provide legally required provisional credit, and refusing to conduct a real investigation. Their final denial leaves me with no way to recover my stolen funds without CFPB intervention.

Company response to consumer: Closed with explanation