vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: OR

Complaint narrative:
Villiage Capitol is reporting my XXXX payment as late when in fact it is not late. I want this corrected immediately. I had a payment plan arrangement and when I tried making a payment in XXXX on the plan with them I was told I needed to make my XXXX payment as well as the payment I was making in XXXX or I would be in default. I made these payments as soon as I was able. I then received the note they had sent regarding the prior payment arrangements. I asked for help to correct the late payment reported and have not received a response. I was also told it would not be reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I recently opened a PNC treasury business checking to complete my recently opened PNC personal account, The promotion that I added was to receive $ XXXX after depositing $ XXXX, but your bank makes it IMPOSSIBLE to add $ XXXX given there is a $ XXXX daily limit and $ XXXX monthly limit to transfer from an external account. Not only that, but there is absolutely zero grace period and it starts from day 1 of opening the account, when my signature card wasnt even available yet and I couldnt login until yesterday. Im requesting a grace period to get time to add money to the account or close this account because this promotion is basically impossible to achieve and I fear that was done with intention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am formally disputing a collection account in the amount of {$410.00} currently being reported on my credit file. I have already contacted the debt collector on XX/XX/year> regarding this account including a certified letter. They failed to provide any verification or documentation to substantiate the alleged debt. As such, this account remains unverified and inaccurate. Under the Fair Credit Reporting Act, specifically 15 U.S.C. XXXX, all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. Reporting a debt that can not be verified constitutes a serious violation of federal law. Additionally, under the Fair Debt Collection Practices Act, a debt collector is prohibited from continuing collection activity or reporting a debt without proper validation. Given the above : This account is disputed and unverified The furnisher has failed to meet its legal obligation to validate Continued reporting of this account is in violation of federal law I am demanding the following : Immediate deletion of this account from my credit report A complete investigation into the reporting of this account Written confirmation of deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am requesting that this account be corrected and updated to accurately reflect the status of the vehicle after voluntary surrender. The vehicle was surrendered and is no longer in my possession. I received notification that the vehicle would be sold, which indicates the lender has taken ownership and disposed of the asset. However, the account is still being reported as if I owe the full original balance, which is inaccurate and misleading. I am requesting the following : An updated account status reflecting voluntary surrender/repossession A corrected balance that reflects the sale of the vehicle and any remaining deficiency balance, if applicable A full accounting of the sale, including the sale price and how the remaining balance was calculated Correction of any inaccurate or misleading reporting to all credit bureaus ( XX/XX/XXXX, and XX/XX/XXXX ) Removal or correction of any reporting that does not comply with Metro 2 or the Fair Credit Reporting Act ( FCRA ) This inaccurate reporting is negatively impacting my credit score and financial standing. I am requesting immediate investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio refuses to send me a " debit validation notice '' and I have asked multiple times. I have called and spoke with XXXX and XXXX, both claim to be supervisors. They said that the law limits the amount of time I could be sued on this debit. But they won't provide the information I need to turn it over to the debit consolidation agency I am working with. They want my attorneys name and I refuse to provide them to them. I want the information about what I owe! How can they threaten me or keep sending me emails without telling me all of the information? I told them XX/XX/XXXX times I want information on the debit owed and they kept refusing to send it! That is against the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
My bill in XXXX that is was due XXXX showed a minimum payment of {$30.00} and an entire balance of {$38.00} due to pay it off so on XX/XX/XXXX, I paid the entire account in full {$38.00}. That was due that was showing needs to be paid to close out the account. Fast forward to today I got an unexpected email saying that I had a balance, which had me very confused because I paid the entire thing off that was requested upon opening up the email today and said I had XXXX dollars that I need to pay so I did further investigation to open up the account and saw there was a XXXX dollar charge after I made the payment and then a XXXX late fee was added on the account and then there was another interest fee of XXXX dollars making a total of XXXX dollars when I called them I said you know I would have paid whatever was due. Had it been an option on my screen and it was not an option on my screen to pay more than {$38.00} my screen and my statement both said my entire balance due was {$38.00} so I asked them to waive the XXXX XXXX dollar charges and I will pay the XXXX dollars to satisfy the account because it was already paid to satisfy they said they could not do that. Refused to waive anything as if ImXX/XX/XXXXabout a couple dollars and its not even the issue of the XXXX dollars. Its the principle that I already paid everything off and then youre coming at me with more money when Ive satisfied the account already they were incredibly unhelpful this Bank engages in some pretty suspicious behavior and unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received 2 bills from Lobel reflecting under {$200.00} owed which was less than the original payment amount. Instead of paying that I paid more than what was owed for 2-3 months consecutively. Now that my last payment is due {$380.00}, Lobel is saying that I still have a balance owed of about {$500.00} due to late interest charges. The bill states that a late fee would be applied of the payment is made after the 10- day grace period. Ive made 98 % of payments on time within the 10-day grace period however I still was being charged late interest. I asked why would I receive bills for under the amount was due and could not get an answer after asking 5 reps. I was also advised that my insurance did not meet compliance because they were not listed as the lien holder so I was charged about {$140.00} for that reason. Any other time my next months payment would be listed on the webinar on the statement date but for the last few months-Ive had to wait until the bill due date to log in and see the charges. I have never received any bills pertaining to these extra fees.The rep I talked to today says that she will mail me the payment ledger

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I reached out to Chase Bank today for financial assistance because I moving with my spouse who is military and will be unemployed. I told them my current income barely supports the debt obligations that I have. They told me the only option they have is for me to reach out to a credit support agency to negotiate on my behalf. I have already been working with a finance specialist with XXXX XXXX. This only further delays me receiving assistance with an upcoming payment coming up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To the Consumer Financial Protection Bureau I am formally rejecting Capital Ones response dated XXXX XXXX XXXX to complaint ID XXXX as it is a generic form letter that completely mischaracterizes my complaint and fails to address my actual demands. First, Capital One states, " We understand you'd like your account to be reopened ''. I never requested this. I have absolutely no desire to reopen accounts with an institution that abruptly severs relationships without cause. Furthermore, their claim that they are " missing some of that information about you '' and need to " collect and verify certain information '' is absurd. My identity, trustworthiness, and financial standing are thoroughly established ; as an employee of the Federal Government, my background is heavily vetted, and I maintain excellent, long-standing relationships with other major financial institutions, such as XXXX, XXXX, XXXX and XXXX. None of them have no such " concerns '' with my profile. Second, Capital One is refusing to adjust how these accounts are reported to the credit bureaus, claiming they are already " reporting accurate information ''. This is false. In their initial closure letter, Capital One explicitly stated the closure " did not relate to your credit worthiness. '' Therefore, reporting this to the bureaus as a standard bank-initiated closure, without the caveat that it was closed in good standing or closed by the consumer, is materially inaccurate and harms my credit profile. Requesting that the CRAs merely report the accounts as " disputed by you '' is an unacceptable half-measure that dodges their responsibility. Finally, Capital One states my rewards can not be redeemed " because of the status of your account ''. Because Capital One unilaterally closed these accounts for their own arbitrary " business concerns, '' withholding the cash value of the rewards I rightfully earned is an unfair and deceptive financial practice I am not asking to be reinstated as a customer. I am demanding that Capital One make me whole by executing the following immediately : 1. Issue a physical check for the full cash value of all unredeemed rewards across accounts XXXX, XXXX, and XXXX. 2. Directly update the credit bureaus to reflect that these accounts were " Closed in Good Standing. '' I expect Capital One to actually read the complaint and provide a response that addresses these specific points, not another automated template. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX. Date range XXXX to XXXX. I noticed this collection on my credit report on XXXX. I contacted XXXX credit spoke with a XXXX XXXX XXXX regarding this information. XXXX XXXX told me that this debt was from an XXXX XXXX XXXX bill in XXXX with my son XXXX XXXX. The balance was {$55.00}. I ask her I have not received any notification about this balance and why now since its about XXXX XXXX XXXX. I file another complaint with XXXX XXXX XXXX Office of the President on XXXX. They have not responded. I the email and call XXXX XXXX XXXX with XXXX XXXX XXXX. Still no answer. Now this debt has been sold to Credence Resource for payment. They have been calling me constantly. The phone number is XXXX. They want me to settle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central States Recovery, Inc.
State: OK

Complaint narrative:
I am disputing a medical debt in the amount of {$120.00} being collected by Central States Recovery, LLC on behalf of XXXX XXXX XXXX XXXX. The charge relates to a visit on XX/XX/XXXX. I was incorrectly diagnosed and prescribed medication that was not needed. The following day, my primary care physician identified the actual issue and resolved it immediately with a simple procedure. I made multiple attempts to resolve this matter directly with the provider, including phone calls and email, but received no response. I then sent a formal dispute letter via certified mail, which was delivered on XX/XX/XXXX. The provider has not responded. Despite the active dispute and lack of response from the provider, the account was sent to collections. I also submitted a written dispute and request for validation to the collection agency. This debt is not valid as billed, and I have not received adequate validation. I am requesting that collection activity cease until proper validation is provided and that the account be returned to the original provider for resolution. I also request confirmation that this account has not been reported to any credit reporting agency, or if it has, that it be marked as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
My mortgage company Ameri mortgage increased my monthly mortgage payment from {$3100.00} to {$4300.00} based of wrong escrow analysis that was done on XXXXThey are not correcting this error and lowering my monthly payment even after reaching out to them several times on this issue and providing evidence on my tax components

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: SD

Complaint narrative:
I am referencing a previous complaint, XXXX, which was never resolved. I provided feedback that it was not resolved but the complaint was closed. The company still has not provided all signed closing documents. The ALTA statement and additional exhibit is missing from my account. I have been going back and forth with them via email for months and they keep claiming the documents were uploaded to my account and I keep proving, with screenshots, that they have not been uploaded. We're coming on 2 years since closing of this mortgage and they refuse to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have been charged late fees in the amount of {$39.00} per month since XXXX of 2025. I have made good faith attempts to pay my bills on time. I think that an application-based payment issue resulting in a late payment in XXXX had a cascading effect upon my payments remaining current up until this day. I called in and the late fees for XXXX and XXXX were reversed but the one from XXXX was not. When I requested escalation I was sent to a supervisor. I subsequently asked to file a complaint and to be told the review process that would be undertaken with the complaint. I was informed that after the complaint was filed there would be an internal review of my concerns, but that I would not be informed of any outcome ; this is entirely insufficient. I have made good-faith efforts to ensure timely payments of my mounting credit card bills, encountered cascading fee issues as a result of my payments not going through in time due to Chase 's XXXX, and basically reached a dead-end when it comes to attaining resolution to my problems. The XXXX I spoke with was stressed, combative, and inadequate in resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I am submitting this complaint regarding an unreasonable and prolonged delay by the XXXX Department of Education and its loan servicing system in processing a XXXX XXXX XXXX XXXX ( PSLF ) reconsideration request, which is preventing me from completing loan forgiveness. On XX/XX/year>, I submitted a PSLF Reconsideration Request ( Case No. XXXX ) seeking a buyback of qualifying months during which I was employed in public service but was in a deferment or forbearance status. This buyback process allows borrowers to retroactively make payments for those months to reach the XXXX requirement for XXXX. As of today, more than XXXX ( XXXX ) months later, my request remains pending with no determination, no timeline, and no meaningful status updates. I have contacted XXXX Student Aid and my loan servicer multiple times and have only been told that the request is under review. This delay has caused substantial borrower harm. At the time I submitted the request, I was in qualifying public service employment and would have completed XXXX upon approval of the buyback. Due to the XXXX inaction, I am no longer in qualifying employment, and my current payments do not count toward XXXX. In effect, the XXXX delay has prevented me from completing loan forgiveness for which I was otherwise eligible. I am ready, willing, and able to immediately remit any buyback payment required. However, I can not do so because the Department has not completed its review or issued a payment amount. This constitutes an unreasonable administrative delay that is depriving me of access to a federal loan forgiveness program and causing ongoing financial harm. Requested Resolution : Immediate adjudication of PSLF Reconsideration Request ( Case No. XXXX ) ; Issuance of the buyback payment amount without further delay ; and XXXX of XXXX discharge upon payment.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Re : Formal Dispute of Inaccurate Late Payment Reporting Account [ XXXX ] To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a late payment for XX/XX/year> on the above-referenced account. This reporting is false, misleading, and a direct violation of federal law under the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. XXXX ( a ) Duty of furnishers to report accurate information XXXX U.S.C. XXXX ( b ) Duty to conduct a reasonable investigation upon dispute XXXX XXXX. XXXX ( b ) Requirement for maximum possible accuracy At no point was my account legitimately delinquent for XX/XX/year>. Your reporting of a late payment where the account was current constitutes inaccurate furnishing of information and has caused harm to my credit profile. Demand for Verification You are required to provide complete and documented proof of the alleged late payment, including : Exact date the payment was due Exact date payment was received Full payment history ledger Copies of billing statements for that period Any internal records or system logs showing delinquency Proof that proper negative information notice was issued ( if applicable ) Required Resolution If you are unable to provide full and verifiable documentation, you are required under federal law to : Immediately correct the XX/XX/year> status from late to current Ensure all updates are reflected with all consumer reporting agencies Provide me written confirmation of the correction Notice of Escalation Failure to correct this inaccuracy will result in immediate escalation, including : Filing a complaint with the Consumer Financial Protection Bureau XXXX disputes with all credit bureaus under FCRA XXXX Pursuing further remedies for willful noncompliance This letter serves as a formal notice of dispute. You are required to complete your investigation within XXXX days of receipt. I expect prompt correction of this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation