vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Someone opened a accounts when I lost my social security and id, the account is hurting my chances of opening accounts cause its label as overdraft fraud, I went to the bank they said they couldnt find nothing and never got back to me but its on my XXXX popping up

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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I purchased a vehicle from XXXX approximately one month ago after multiple visits to the dealership. I traveled over an hour and a half on three separate occasions because I was consistently told by the salesperson that the vehicle was priced at approximately XXXX dollars and that my payments would be XXXX dollars per month. During the sales process, I was instructed not to worry about reviewing the paperwork and was told to simply click through and sign. I relied on those statements. At no point during any conversation was I told that the payments would be biweekly. The word biweekly was never used or explained. My co-signer was present during the transaction and can confirm that we were only told the payments would be XXXX dollars per month. We both relied on that representation in agreeing to move forward. After completing the transaction, I later discovered that the payments were actually structured as biweekly and that the total financial obligation was significantly higher than what was represented, approximately XXXX dollars financed and over XXXX dollars total. This information was never clearly disclosed to me prior to signing. The actual terms are materially different from what I was told and relied on. Additionally, within just over 30 days of purchase, the vehicle developed serious mechanical issues, including the engine light and oil light activating. I believe I was misled into signing a contract based on false representations regarding both the payment structure and total cost. I am requesting that this matter be investigated and that I be released from this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: NY

Complaint narrative:
I have a federal student loan serviced by Mohela. During the federal student loan payment pause, my payments were suspended in accordance with government policy. When payments resumed, Mohela failed to notify me that a payment was due. I was unaware of any outstanding balance or payment deadline, as my contact information on file was not up to date and Mohela made no additional effort to reach me through alternative means. Despite this lack of notification, Mohela reported my account as XXXX days past due to the credit bureaus. Since being made aware of the resumed payments, I have updated my contact information with Mohela and have made consistent, on time payments with no further issues. This demonstrates that the original delinquency was not a matter of unwillingness to pay, but solely a result of Mohela 's failure to properly notify me. I am requesting that Mohela remove the XXXX day late payment notation from my credit report, as the delinquency was caused entirely by their failure to provide adequate notice that payments had resumed following the federal pause. My payment history since being properly notified further supports that this was a communication failure on Mohela 's part, not a reflection of my creditworthiness.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I am XXXX. 9 years ago my significant other and I applied for a loan through Quicken Loans .. Now Rocket. Because my credit rating and income was lower than his, they advised us to have just him on the loan to get better interest rate. I had to sign a document that I ok 'd the loan, would be responsible for the loan in the event he did not pay and I would be on the deed as successor. XXXX Died XXXXXXXX When I needed to talk to the lender about mortgage insurance payment missing they would not talk to me even though all the paperwork stating I was responsible is in their file. I had to send a death certificate, they said they couldn't find it and I also sent in a requested Certified Deed. I was then allowed to speak to them. On Sat XX/XX/year> I received a letter in the mail that his son was put on as successor. His son has nothing to do with this property and every thing we owned we held jointly as survivor or successor if one of us dies. We have wills stating the same. I talked to them this morning and evidently they spoke to him about this property and loan. evidently he said his name and without anyone checking ( they both have the same name XXXX & XXXX they just gave him info and put him on with the ability to talk to them and change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I am filing a complaint against Select Portfolio Servicing , Inc. ( SPS ) regarding their handling of an insurance loss payout for my property, which was a 100 % total loss. Throughout the entire rebuild process, SPS has used delay tactics that have slowed access to insurance proceeds needed to complete reconstruction. The most recent and significant issue involves the reimbursement for completed septic work. Despite providing documentation showing that all work was fully completed and code-compliant, SPS has continued to withhold funds since XX/XX/2026. The remaining mortgage balance on the property is approximately {$7500.00}, yet SPS continues to hold funds far exceeding this balance without providing any reasonable explanation. Additionally, SPS has refused to provide any method of written communication and has locked me out of the online account portal. These delays are creating a substantial financial burden and preventing completion of the rebuild. I have made multiple good-faith attempts to resolve this directly and provided all requested documentation, but SPS has not released the funds. I am requesting that the XXXX XXXX XXXX XXXXXXXX review SPSs handling of this insurance loss payout, determine whether their actions comply with consumer protection standards, and facilitate the release of funds beyond the remaining mortgage balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am filing this complaint regarding the collection and reporting of a debt that I do not owe. This account has already been resolved and reflects a Satisfaction of Judgment through the courts. Despite this, the company continues to report and/or attempt to collect this debt. Additionally, this same debt is being reported by multiple companies, including XXXX XXXX XXXX and LVNV Funding, which is duplicate reporting and inaccurate. I previously contacted the company and requested validation of the debt, including proof of ownership, original creditor information, and confirmation of the balance. I also requested correction of the reporting to reflect the satisfied status of the account. The company failed to provide sufficient documentation or correct the issue. The continued reporting and collection of this account is inaccurate and misleading, and it is negatively impacting my credit. In a related matter, an account associated with XXXX XXXX XXXX XXXX continues to be reported and/or collected despite prior confirmation that certain balances were waived. The amount being reported is inconsistent and not owed. Due to : Attempting to collect a debt that has already been satisfied Duplicate reporting of the same account Failure to properly investigate disputes Continued reporting of inaccurate information I am requesting : Immediate deletion of this account from my credit report Cessation of all collection activity Correction of all inaccurate reporting Written confirmation once the account has been removed I have attached supporting documentation, including proof of Satisfaction of Judgment and prior communications. This matter is urgent as it is affecting my ability to obtain financing. I expect this issue to be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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:
b'Account Number: XXXX\nOriginal Account Reference: XXXX XXXX XXXX\nWhile I acknowledge that account statements may show different balances over time, this does not establish legal ownership of the debt by LVNV Funding LLC nor does it prove a valid contractual obligation tied to Account Number XXXX. The company still fails to provide a signed agreement or proper documentation linking me legally to this alleged debt.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used my Regions Business account to XXXX a vendor for {$150.00}. The Vendor Never provided the products and the Vendor said they will issue me a refund in our text correspondence. Vendor then never held up their end so I went to my bank and they denied the claim without any proof from myself. I also made a Police report about the incident.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Captial one has an open case on my credit repit and have no way to pay or send a dispute there is no way to contact or reach them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
My business account with Relay Financial was closed on XX/XX/year>. Following the closure, I was informed that a check containing the remaining balance ( {$32000.00} ) was issued and sent on XX/XX/year>. After that, I provided the required documentation to confirm the correct mailing address. On XX/XX/year>, I explicitly contacted the company again to request an address update to ensure proper delivery of the check. Despite these actions, I have not received the check, nor have I been provided with any tracking information, confirmation of delivery, or clear status updates. Multiple attempts to obtain clarification have not resulted in a resolution. As of today, a significant amount of time has passed since the account closure and the supposed issuance of the check, and the funds remain inaccessible. I am seeking immediate resolution, including confirmation of the check status and reissuance if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Creditor Name JEFFCAPSYS Original Creditor XXXX XXXX XXXX Account Type Collection Account Info Last Updated By Creditor XX/XX/XXXX Balance - {$930.00} Highest Balance {$930.00} Date Opened XX/XX/XXXX Account Disputed No Account Condition Derogatory Remarks Placed for collection Responsibility Individual Account Number XXXX XXXX XXXX XXXX XXXX Creditor Info JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have never done business with Jefferson Capital Systems, nor XXXX these are fraudulent accounts on my credit report and I request they be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I am disputing an inaccurate and unvalidated collection account reported by National Credit Systems Inc. ( NCS ) on behalf of XXXX XXXX XXXX. The dates being reported are contradictory and do not match my actual tenancy or my certified 60day notice to vacate. 1. False Delinquency Date Reported : XXXX is reporting a delinquency date of XX/XX/XXXX, even though I was never notified of any balance due, never received a final account statement, and had already submitted my certified 60day notice on XX/XX/XXXX. No delinquency occurred on that date. 2. XXXX Own Statement Contradicts the Reported Delinquency : After my dispute, XXXX sent me a notice stating : On XX/XX/XXXX, your NATIONAL CREDIT SYSTEMS INC account was classified as a collection account and assigned to XXXX XXXX XXXX. This means XXXX is claiming the account did not even exist as a collection account until XX/XX/XXXX, which is 43 days AFTER the reported delinquency date of XX/XX/XXXX. A delinquency can not occur before the account exists. 3. No Validation Provided Within 45+ Days : I disputed the debt directly with NCS on XX/XX/XXXX, requesting full validation, itemized charges, proof of assignment, and proof of the alleged delinquency. As of today ( XX/XX/XXXX ), 56 days have passed, and NCS has provided no validation. Under the FDCPA, they were required to cease all collection activityincluding reportinguntil validation was provided. 4. Continued Reporting Without Validation : Despite my dispute, NCS continued furnishing information to Equifax without providing any documentation to me. This violates both the FDCPA and the FCRAs accuracy and reinvestigation requirements. 5. No MoveOut Charges Were Ever Issued : I was never provided a moveout statement, ledger, or any notice of a balance due. The apartment complex has not provided any documentation supporting the alleged debt. Because the dates reported are internally inconsistent, unsupported, and contradict XXXX own classification timeline, I am requesting that the CFPB require XXXX and NCS to remove this inaccurate and unvalidated collection account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am submitting this complaint regarding a fraudulent Target XXXX XXXX account ending in XXXX that was opened and used without my knowledge or authorization. Despite providing detailed information to Target XXXX XXXX, they have denied my fraud claim and continue to report this account as delinquent to the credit bureaus, causing ongoing harm to my credit. This account was opened by my former Power of Attorney, XXXX XXXX, who had access to my personal identifying information, including my Social Security number and date of birth. She used this information without my knowledge or consent to open and use this account for her own personal benefit. Critically, the account was not opened using my contact information. The telephone number, email address, and mailing address associated with the account belong to XXXX XXXX, not me. I have never received statements, alerts, or any communication regarding this account. I have never had possession of this credit card, have never accessed any online account, and have never made or authorized any purchases. I did not benefit from this account in any way. All purchases, including online orders, were sent to XXXX XXXX address. Payments were made on this account because XXXX XXXX had control over my finances at the time and used my checking account to make payments. This does not constitute authorization or acceptance of the account and is consistent with financial exploitation by a person in a position of trust. I previously submitted a fraud claim to Target XXXX XXXX, which was denied based on the use of my personal information and the existence of payment history. These conclusions fail to account for the fact that this was fraud committed by a trusted insider with Power of Attorney authority. Additionally, Target has failed to respond to my follow-up correspondence and continues to report this account as delinquent. This reporting is inaccurate, disputed, and damaging my credit. I have also retained legal counsel and am pursuing recovery of misappropriated funds related to this matter. This matter involves identity theft and financial exploitation by a former Power of Attorney. I am requesting prompt intervention and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Viva Finance Inc.
State: AL

Complaint narrative:
I initially thought that this was an installment loan but it was a loan where I had to pay money first in order to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I took out a loan with World Finance, I was laid off they never got back to me about a program they offered for hardship. My loan went from less than XXXX to them telling me I owe over XXXX. I called to get a settle on this account and they told me I could pay XXXX I verified this on a recorded line numerous times even talked about payments and when I needed to pay them. I told the girl I would call the next day to either pay in whole or break down in payments if I needed to go they route. She verified all the information. I called the next daylike I said I would. I had gotten the money she told me so that I could just pay it and call it done. They supervisor came on the phone said they would have never offered me that amount and told me she had to review the phone conversation. They did review and called me back told me it was their mistake and could not offer me that amount. In good faith I took their word they were giving me correct information. They are refusing to follow thru with the settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Payment Solutions ( merchant processing arm of JPMorgan Chase Bank , N.A . ) suddenly closed my merchant account on XX/XX/2026 and is improperly withholding {$78000.00} in reserve funds for up to 180 days. The withheld funds come from legitimate XXXX XXXX transactions processed for my business, XXXX XXXX XXXX There have been XXXX chargebacks, disputes, or customer complaints on the account. I submitted supporting documents, including invoices and proof of delivery. I recently received a signed confirmation letter from my client, XXXX XXXX NY XXXX, stating : All prior transactions using the same XXXX card were fully satisfactory with no issues. The four specific withheld transactions were also fully delivered and received satisfactorily, with no complaints or intent to file any chargeback or dispute. Despite multiple phone calls, a formal appeal, and a final warning email to the risk department, Chase has provided only vague " risk '' explanations and no meaningful progress toward releasing the funds. This XXXX hold is causing severe cash flow hardship for my small business. I request that Chase provide a detailed written explanation for the closure and hold, conduct an expedited review of all submitted evidence ( including the client confirmation letter ), and release the {$78000.00} ( or a substantial portion ) immediately or on a phased basis. Attachments include : Chase hold notice, client confirmation letter from XXXX XXXX NY XXXX, appeal correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief