vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I am filing a complaint regarding improper and excessive communication practices related to an alleged payday loan debt. The company has repeatedly contacted third parties who were not listed as references on my application, including distant family members I have not had contact with in over a decade, my deceased mothers phone number, and my husbands ex-wife. These individuals were contacted without my consent. I have also continued to receive repeated phone calls from the company, including after I was formally served with a lawsuit regarding this matter. I believe these actions may violate the Fair Debt Collection Practices Act, as the company is contacting third parties inappropriately and engaging in excessive and harassing communication. I am not refusing to pay this debt ; however, I am currently unemployed and experiencing financial hardship and am unable to make payments at this time. I intend to resolve the debt when I am financially able. I am requesting that the company cease all improper communication, including contacting third parties, and limit communication to lawful and appropriate methods only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
There are over XXXX XXXX dollars in fees on my loan that were NOT DISCLOSED TO ME WHATSOEVER. There is a gigantic text box saying that other charges on the loan must be clearly disclosed to the buyer, who is paid, and what the purpose is for. NONE OF THAT HAPPENED. There is a {$3200.00} dollar charge to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and {$1600.00} to " XXXX for XXXX XXXX ''. This is absolutely unacceptable and I am so far beyond unhappy. I was completely deceived and taken advantage of by the dealership. The loan was supposed to be for around XXXX XXXX dollars, and it's nearly XXXX XXXX dollars. They also lied and took XXXX XXXX dollars off my trade in vehicle, when the agreed trade in was XXXX and now says XXXX on the paperwork which I also did not see or agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
IMPORTANT BECAUSE IM AM A SINGLE FATHER FACING EVICTION PLEASE HELP I opened a account with Huntington bank called them letting them know that I would receiving a wire transfer from my post settlement lender, the bank got the wire and closed my account because the bank isnt in my area I drove XXXX hours to the nearest branch so that I can identify myself for them just to tell me that they closed the account they couldnt give me a reason why but said that they just was terminated our relationship I told them my situation seeing that I barrow the money because of me being behind on rent and bills that I need my funds immediately they told me I had to wait told the lender that it wasnt because of the funds sent but that they just wanted to end the relationship right now I really am in a bad situation with XXXX kids and from my injuries Im out of work and because of them not letting me access my money I may be out in the streets

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft. A credit card account was opened with Wells Fargo using my personal information without my knowledge or authorization. I discovered this issue in XXXX after noticing unexpected activity and damage to my credit report. I immediately contacted Wells Fargo and requested that this matter be handled by their fraud department. However, instead of properly investigating, I was sent a notice demanding payment for this account. I did not open this account and I am not responsible for any charges or balances associated with it. Despite my efforts to resolve this issue, the account continues to be treated as valid, which is negatively affecting my credit. I am requesting a full investigation, removal of this fraudulent account, and correction of any related credit reporting. This situation may constitute violations under the Fair Credit Reporting Act ( 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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer : XXXX XXXX Issue : Failure to reinvestigate and inaccurate reporting. I have disputed accounts multiple times. The credit bureaus failed to comply with FCRA : - XXXX U.S.C. XXXX ( a ) ( XXXX ) - XXXX U.S.C. XXXX ( a ) ( XXXX ) - XXXX U.S.C. XXXX ( b ) They failed to provide signed contracts or proper verification. I am requesting immediate deletion of all disputed accounts. This is formal notice of intent to sue for failure to properly investigate and verify disputed accounts. You have 10 days to delete all inaccurate accounts or I will proceed with complaints and legal action. 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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I ( got a bill in the mail today. {$2000.00} for XXXX XXXX. I have never had electric service in my name. I do not have a home. The said letter says the account number XXXX. Reference # on letter is XXXX Please disolve the. I never had power in my name. This address you mail to is my mothers, serviced by XXXX XXXX XXXX. Has to be an error on your part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
I am submitting this complaint regarding the servicing of my XXXX mortgage loan and the handling of a prior forbearance arrangement. On XX/XX/year> I sent an email to PHFA 's Loss Mitigation email address. This email was explaining my temporary financial hardship due to a recent layoff. I called PHFA customer service about my situation prior to writing the email and they told me to write an email and send it to Loss Mitigation. On XX/XX/year>, I entered into a reduced payment forbearance arrangement with PHFA under which I was paying $ XXXXmonth. The entire arrangement was handled by phone and submitting an affordability attestation via a website. During an XX/XX/year> phone call with PHFA, I was told that the forbearance had ended on XX/XX/year> and that I could not be placed back on forbearance because I did not recertify in time. PHFA stated that a letter had been mailed at the end of XXXX explaining the XX/XX/year> deadline, but I do not have any record of receiving that letter. I raised this issue with PHFA, but I was told they were not responsible for the mail. My complaint is that the communication and notice surrounding the end of the forbearance was unclear and created serious harm and confusion. I was also told that {$2800.00} was due immediately to avoid further foreclosure risk, and I have been trying to understand my options while also updating the servicer about my financial circumstances. On XX/XX/year>, I spoke with a PHFA supervisor by telephone and explained my situation. A few days earlier, I had contacted PHFA and requested to speak with a supervisor. I was transferred and left a voicemail. During the XX/XX/XXXX conversation, I was informed that they would review the matter to determine whether any assistance could be provided, and that the process would take approximately XXXX weeks. On XX/XX/year>, I received an email from the same PHFA supervisor advising me that I could not be reviewed or placed back on forbearance. However, I was also informed that, if I am currently employed, my loan may be reviewed for possible loss mitigation assistance. I am providing updated information in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a promotional financing account through Living Spaces and have made consistent, on-time payments. I reduced my balance from approximately {$3000.00} to about {$1300.00}. However, I was then charged approximately $ XXXX deferred interest after the promotional period ended. I was not clearly made aware that failing to pay the full balance by the exact deadline would result in retroactive interest being added to the entire original balance. Additionally, I only received what felt like very short notice before the promotion expired, which did not provide a meaningful opportunity to pay off the remaining balance. This practice is confusing and misleading to consumers. I acted in good faith, made regular payments, and was very close to paying off the balance. The addition of retroactive interest more than doubled my remaining balance, which feels disproportionate and not clearly disclosed in a way that an average consumer would understand.

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 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
I financed XXXX XXXX XXXX treatments through Cherry for services at XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The merchant has permanently closed its physical location, disconnected all phone lines, and is completely unreachable. I have received none of the services I contracted and financed. The remaining balance is {$980.00}, with {$270.00} overdue since XX/XX/year>, and a payment of {$160.00} due XX/XX/year>. When I contacted Cherry to dispute the balance on the grounds of non-delivery of services by a permanently closed merchant, they refused to assist me and threatened to report the balance to the credit bureaus. Cherry is actively attempting to collect {$980.00} for services that a permanently closed business will never deliver. I am not alone in this situation. After researching online, I found multiple other consumers who financed services through Cherry with XXXX XXXX XXXX XXXX and are experiencing the exact same issue the merchant closed without notice, services were never delivered, and Cherry is refusing to cancel the balances. This appears to be a pattern of CherXXXX continuing to collect on debts tied to a defunct merchant across multiple consumers. I am requesting full cancellation of the remaining {$980.00} balance, a hold on all credit bureau reporting, and written confirmation of account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
WHOM IT MAY CONCERN : I AM SENDING THIS LETTER TOYOU IN RESPONSE TO A NOTICE I RECEIVED FROM YOU.BE ADVISED, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICE ACT,15 USC 1692g SEC.809 ( b ) THAT YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVE-NAMED TITLE AND SECTION.I RESPECTFULLY REQUEST THAT YOUR OFFICE PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATION TO PAY YOU.PLEASE PROVIDE ME WITH THE FOLLOWING : WHAT THE MONEY YOU SAY I OWE IS FOR ; EXPLAIN AND SHOW ME HOW YOU CALCULATED WHAT YOU SAY I OWE ; PROVIDE ME WITH COPIES OF ANY PAPERSTHAT SHOW I AGREED TO PAYWHAT YOU SAY I OWED ; PROVIDE A VERFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE ; IDENTIFY THE ORIGINAL CREDITOR ; PROVE THE STATUTE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT ; SHOW ME THAT YOU ARE LICENCED TO COLLECT IN MY STATE ; AND PROVIDE ME WITH YOUR LICENCE NUMBERS AND REGISTERED AGENT.IF YOUR OFFICES HAVE REPORTED INVALID INFORMATION TO ANY OF THE XXXX MAJOR CREDIT BUREAUS XXXX XXXX XXXX XXXX XXXX ), SAID ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS.DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT DEFAMATION OF CHARACTER ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
Resurgent Capital Services ( the respondent ) is in willful violation of the FDCPA and FCRA. On XX/XX/year>, the respondent issued a written notice admitting they were unable to validate the alleged debt. On XX/XX/year>, the respondent received my formal dispute via Certified Mail ( Tracking XXXX XXXX ), which was signed for by XXXX XXXX XXXX ' Despite having admitted they could not validate the debt and being in physical possession of my formal dispute, the respondent engaged in retaliatory credit reporting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the respondent is now obstructing communication by blocking my attempts to contact their ombudsman and negotiation email addresses ( Access Denied ). The respondents latest correspondence, dated XX/XX/XXXX ( received XX/XX/XXXX ), ignores the specific evidence provided in my dispute and merely re-sends unverified documentation they previously admitted was insufficient. I am requesting federal oversight to compel the permanent deletion of this unverified trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I keep getting harassing calls from LVNV FUNDING. They keep harassing my family members as well. I have told them to stop and have disregarded my requests on multiple occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/year> a customer paid an invoice to me that I sent in the amount of {$350.00}, XXXX. Square immediately deactivated my account with absolutely no explanation and assured me that my funds would be available to me in 90 days. That time has come and gone. I still am unable to access my funds, and I get no answers from Square. Just a diversion of sending my issue off to another department, to " contact me in 2 to 3 business days, which seldom happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
RE : COMPLAINT ID XXXX While I appreciate that Capital One has confirmed that recall requests were sent for the XX/XX/XXXX and XX/XX/XXXX wire transfers, your response does not fully address several critical concerns about how my case was handled. On XX/XX/year>, I reported suspected fraud and explicitly requested that the {$6000.00} wire transfer be recalled. At the time, I was told no action could be taken and was not given any explanation of available options. Your current response indicates that a recall request was submitted, but it does not clarify when that request was initiated or whether it was treated as a time-sensitive fraud matter. Additionally, a subsequent wire transfer initiated on XX/XX/year>, for {$13000.00} was successfully recalled on XX/XX/year>. This raises questions about the timing and handling of the earlier transactions and whether more immediate action on XX/XX/XXXX could have increased the likelihood of recovery. The company 's response fails to address key issues, including the timing of the recall initiation, inconsistent handling of transactions, and the denial of access to deposited funds. I am requesting further review to address the following : - The timing of the recall request for the XX/XX/XXXX wire and whether it was initiated immediately after my report of suspected fraud - Why I was told that no action could be taken when a recall was, in fact, possible - My reliance on funds that were credited to my account before they were reversed - The impact of account restrictions, including my inability to access the {$30000.00} I deposited to correct the overdraft - The inclusion of my sons account in the restriction and the basis for that decision

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
I had an unauthorized charge in the account of {$170.00} filed XX/XX/XXXX and denied XX/XX/XXXX. I was not given provisional credit within 10 days, denied with supporting evidence and no one to talk to that knows what they're doing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I contacted the local rental property place to request a contract. The receptionist XXXX informed me that it was already sent off to collections and she could do nothing about it. I asked her if they can provide me with the contact information to the collections. Ive been reached out to the collection agency, and they stated that it was a debt an attempt to collect a debt. I then also put in an identity fraud due to XXXX not even living out of state. I even had my land. I then also put in a identity fraud due to XXXX not even living out of state. I even had my landlord submit my rental contract showing that Ive been here in XXXX, California.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I reviewed my credit report and found that the account listed below is reporting inaccurate and incomplete information. I sent a formal dispute requesting verification of this account, including verifiable proof such as the original signed consumer contract. The account is damaging my creditworthiness and my ability to obtain credit. I requested that the company verify the account through proper documentation or update/remove the inaccurate information in accordance with the Fair Credit Reporting Act. Additionally, my credit file contains inquiries that were not authorized or are not related to active credit accounts. I also requested promotional suppression to prevent unnecessary access to my credit file. I am filing this complaint because the inaccurate reporting has not been properly resolved and I want the company to provide proper verification or correct the information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
" On XX/XX/XXXX, I was promised a 'Pay for Delete'/debt recall in exchange for payment. I paid in full, but XXXX has not recalled the debt from Waypoint Resource Group. This is a billing and service agreement violation. XXXX charged me a fee for equipment I never received after I canceled my service with XXXX on XX/XX/XXXX of 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
This is a fraudulent domestic wire transfer of {$7000.00} on XX/XX/XXXX. This wire transfer occurred at XXXX XXXX on XX/XX/XXXX, and I found out while checking my bank account balance. I noticed the unauthorized wire transfer had been sent, and I called XXXX XXXX XXXX to reported within 3 hours ( XXXXXXXX XXXX XXXXXX/XX/XXXX ) to ask them to stop it, but they said they had already sent it at XXXXXXXX XXXX XXXXXX/XX/XXXX. The bank said they are still investigating and won't give me an answer on whether they were able to contact the recipient bank to freeze the funds. The bank has not explained how the transaction was authenticated. The bank usually sends me an email confirmation when a wire transfer is going out, and they are supposed to send a verification code via text message, but it didn't happen. I am requesting urgent review due to a potential security failure.

Company response to consumer: Closed with explanation