vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX. The dealership engaged in deceptive sales practices by failing to disclose that the vehicle was a structurally compromised rebuild with significant frame damage. On XX/XX/XXXX, a 9-page certified inspection by XXXX XXXX XXXX XXXX XXXX confirmed that this vehicle is a material safety hazard, possessing compromised structural integrity and inoperable safety components. I am filing this complaint against USAA for the following reasons : USAA has financed an asset that is a material safety hazard, rendering the collateral for this loan fraudulent. I formally notified the USAA Office of the CEO on XX/XX/XXXX, regarding these critical defects and the fraudulent nature of the collateral, yet the firm has failed to initiate an effective investigation or provide a resolution. This matter has been escalated to the Tennessee Department of Commerce and Insurance ( TDCI ) as of XX/XX/XXXX, due to the dealers willful misrepresentation and concealment of material facts. USAAs continued collection activities on a loan backed by a structurally compromised, unsafe vehicle constitutes a failure of their fiduciary and regulatory responsibilities. I am requesting that USAA immediately pause all collection activities, conduct a formal internal audit of the vehicles financing approval, and facilitate a full rescission of the loan contract. I possess a 9-page certified structural inspection report as evidence and am prepared to submit this to federal investigators immediately upon request. I can be reached at XXXX email address : 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 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
b'All documents were sent via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX, and picked up XXXX at XXXX XXXX. I also spoke with a representative to verify that all documents were received. This request remains open and in violation of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Accuracy and Integrity Standards under 12 CFR 1022.42'

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 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
I am submitting this complaint against ConServe concerning its attempt to collect an alleged Small Business Administration ( SBA ) Paycheck Protection Program ( PPP ) loan debt that I do not owe. On or about XX/XX/year>, I received my first-ever collection notice from ConServe claiming that XXXX XXXX XXXX XXXX owed approximately {$19000.00}, plus interest and administrative costs, related to an SBA PPP loan . This was the first communication I have ever received regarding any alleged balance. Prior to this collection notice, I never received a billing statement, payment demand, notice of default, notice of denial of forgiveness, or any other communication indicating that I owed money on a PPP loan. XXXX XXXX XXXX XXXX has since been dissolved. During the PPP program, the business obtained PPP funding and properly applied for forgiveness. I possess documentation showing that my PPP forgiveness application was submitted to the SBA for review. I also possess documentation showing that PPP forgiveness was approved, including correspondence reflecting that forgiveness was granted in the amount of {$15000.00}. Because my PPP loans were forgiven, I do not understand how ConServe is now attempting to collect a debt that should not exist. ConServe 's notice provides no documentation explaining whether forgiveness was denied, reduced, reversed, or otherwise invalidated. The notice also fails to explain how the alleged balance was calculated or why substantial interest and administrative costs were added years after the loan was supposedly forgiven. The collection notice states that the debt is owed to the U.S. Department of the Treasury, Fiscal Service, for the SBA. However, no supporting documentation was provided establishing the validity of the debt, the chain of ownership, the underlying loan history, or the basis for the amount claimed. I dispute the debt in its entirety. I am requesting that ConServe and the responsible agency conduct a full investigation and provide complete documentation supporting this alleged debt, including : The original PPP loan records. The complete payment and account history. Documentation showing whether forgiveness was approved, denied, reduced, or reversed. Documentation supporting all interest, fees, penalties, and administrative charges. Documentation establishing ConServe 's authority to collect the debt. Documentation explaining why I was never notified of any alleged balance for approximately five years. Until such documentation is produced, I dispute the debt and request that all collection activity cease. I believe ConServe is attempting to collect a debt that was forgiven or otherwise does not exist, and I am requesting immediate correction of any inaccurate records associated with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2026, we receive an email that Netspends anytime alerts had been added to an unknown phone number. So, I knew someone unknown changed this. So I knew something terrible was going on. Also, I received an email from netspend asking me if I authorized a transaction from an unknown entity for {$240.00} on XX/XX/2026. I told them NO. But they had already paid the other party. On XX/XX/XXXX, a dispute was filed by Netspend and the Netspend Claim number : XXXX Claim date : XX/XX/2026 Claim amount : {$240.00} Netspend told me that I have 10 days to let them know what happened. I immediately sent them what they asked for, written notice of my dispute, my name, reference number, and Claim number, transactions that were in error, and the date they occurred. This was acknowledged by them XX/XX/XXXX. Today, the day before the provisional credit was supposed to be paid, I was told that a provisional credit was not guaranteed. They also said there is a temporary restriction placed on the account that needs additional verification. This is the first I've heard of that.

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 2026-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
CONSUMER COMPLAINT AGAINST NEWREZ LLC d/b/a SHELLPOINT MORTGAGE SERVICING Complainant : XXXX Property Address : Mortgage Account Number : Phone : Email : Complaint Summary I am filing this complaint regarding the servicing of my mortgage loan by NewRez LLC d/b/a Shellpoint Mortgage Servicing. At the time my dispute arose, I was approximately three months behind on my mortgage payments. I was working with my account manager the entire three months.I attempted to resolve the delinquency and sought information regarding reinstatement of my loan. During communications with Shellpoint Mortgage Servicing, I was provided with a reinstatement amount that I believed was substantially higher than the amount actually owed. I was told I had no other option but to pay that amount and I didn't have an active workout plan. I also requested that the company preserve all records related to my account, including call recordings, emails, internal notes, correspondence, and servicing records. My request specifically referenced communications that occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After submitting my preservation request, I lost access to my online account portal and was unable to access information that had previously been available to me. I did receive a letter that aknowledged my requests and asking for time due to the complexity of the request. I did not receive a any response regarding the preservation request or the servicing concerns I raised since. Approximately two months later, I received foreclosure-related documents, including a Notice of Foreclosure Action associated with a XXXX Circuit Court case . As a result, I am now reported to be approximately six months delinquent, despite my efforts to obtain information, resolve the account, and preserve records related to the dispute.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: IN

Complaint narrative:
On XX/XX/year>, I accessed U.S. Banks website for what appeared to be a prequalification or preapproval process represented as a way to check eligibility without harming my credit. Instead, a hard inquiry was placed on my XXXX report. I did not knowingly authorize a hard pull or intend to submit a final credit application absent a clear, prominent, and unambiguous disclosure that my credit would be affected. The disclosure and consent process were not sufficiently clear to support informed authorization. This inquiry caused harm to my credit profile and interfered with my pending credit strategy. I am requesting a full investigation and appropriate correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX sold my information to a debt buyer or third party illegally and didn't provide a 1099 for contract in which violation of rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo, On XX/XX/year> someone went into my account and made a change, they switched my account to accept over draft to be allowed even if there are no funds available ( a service they feature ). So someone went to the Wells Fargo on XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to their ATM and with drew {$100.00}, {$200.00}, and {$100.00}. From my checking account. Because there was no putting in the pin code errors, they had it right. They denied my claim. So they stated that, because I never changed my pin number after, so because of that they denied my claim. When I spoke with them I was distraught I don't know what to do, they always tell me change your card and thats it. Noone advised me how to handle this. So that was all that I did. I have photos and camera footage I was home around the time it happened. ( cameras in my home ). I asked them did you check the camera footage at the atm? They won't answer me. They have processed it twice and denied my claim twice. This isn't right. The week before there was another false charge, so I believe this affected it. Look at my track record 20 years!

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 2026-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX XXXX and Columbia Debt Recovery are reporting and attempting to collect application-related charges that are contradicted by the creditor 's own records. The records show that my application was conditionally approved, that administrative errors occurred during processing, and that XXXX XXXX XXXX later advised me in writing that a refund had already been issued following denial of the application. Despite this written representation, Columbia Debt Recovery continues to report and collect the account. No signed lease was executed, no tenancy occurred, and no rent obligation was ever established.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I entered into Acima Lease # XXXX for a washer, dryer, stove, and microwave through XXXX XXXX XXXX XXXX. I paid a total of {$3600.00} and the lease was marked paid in full on XX/XX/year>. I never received any of the merchandise. I have attempted to contact the merchant multiple times, but they have not responded. I am requesting proof of delivery signed by me or a full refund of all payments made. Since no merchandise was ever delivered, I believe I should not have been charged for the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
XXXX XXXX I was getting an error on the website while trying to redeem the card. I received a generic error message and directions to call support. When I called support, I received an error upon entering the expiration date. I called support and wanted to record the call as financial information was being discussed. The initial CSR refused to consent to recording. I hung up and called again. Second CSR consented. She informed me that I needed to use my cellular network, which also resulted in the same error. She then said " maybe the site is down. '' Which is completely unhelpful. Under pressure, she stated it would be back up in 30-40 minutes. I am currently seeing the same errors. Overall support was completely unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
Someone stole {$23000.00} from my Way2Go debit card and I filed a dispute on XX/XX/year> they denied it several times and finally I got a call from they Way2Go advocate that informed me that I had reported some of the stuff in time due to exstinuating circumstances such as being in a XXXX hospital for the time frame of the transactions and that if I could send in documents to confirm I was in the XXXX XXXX they would reimburse me for the transactions. I sent the medical records to prove it and they still didn't reimburse me for the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, the merchant XXXX canceled my account and subscription service. It has been 24 days, and the funds have not been returned to my Cash App account. I contacted Cash App to dispute this transaction for services not rendered, but Cash App support refused to investigate, claiming they can not issue a refund without merchant approval. This is a direct violation of federal Regulation E billing error protections. I am requesting that Cash App formally investigate this transaction and credit my account for the canceled service of the amount of {$21.00} done on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXXA written letter was sent via certified maiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and received on XXXX at XXXX XXXX. This request remains open and in violation of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Accuracy and Integrity Standards under 12 CFR 1022.42. Legal proceeding will follow.'

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 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
- On XX/XX/year>, my Bank of America Travel Rewards card was used to make a fraudulent transaction ( with description as XXXX XXXX XXXX XXXX ' ) for an amount of {$1900.00}. - I disputed that immediately citing I never used that card for that purpose. - I also requested a new Credit Card on this account on and around XX/XX/XXXX. - On XX/XX/year>, they credited a temporary credit back of that amount {$1900.00}. - On XX/XX/year>, they came back saying the following and slapped the amount of {$1900.00} back on me! " Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. " - I talked to them again and they said they reopened my Case but have been unable to resolve/issue credit to my account thereafter!

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 monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is on all three of my credit reports. Showing a {$420.00} open balance. This company states that I opened this account with them in XXXX XX/XX/XXXX. I disputed this with the company and the bureau and requested proper validation including signatures and a valid contract. Nothing was received and this information was updated on my report. This is not my account, I never signed a contract with LVNV Funding LLC. In Addition my information was leaked and I was part of the XXXX data Breach. I spoke with XXXX and they verified the breach and requested to send in my information of the accounts to be removed XXXX XXXX XXXX XXXX Opened XX/XX/XXXX balance {$26000.00} XXXX Opened XX/XX/XXXX balance {$8200.00} XXXX Opened XX/XX/XXXX balance {$5800.00} XXXX XXXX Opened XX/XX/XXXX balance {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
To begin I had bought a money order for {$440.00} and ended up not needing it so I contacted cash app support to ask them if they accepted money orders and I have screenshots of the chat proving the cash app agent lied right to me and I followed her instructions perfectly and it was rejected twice and she said to write " cash app mobile deposit only '' so now I can't use it. She also told me to adjust my name from XXXX to XXXX after it was rejected first time. And I wanted from her at that point was for her to take some accountability for her lack of knowledge of what cash app accepts. I know, ridiculous of me to want so much from them. She then ended the chat when I asked for a supervisor. All I'm getting is email after email saying cash app rejected the money order and they are acting like I did something but I'm out the {$440.00}. Im on XXXX for XXXX and also because I'm autistic I have no friends or family that could have taken me to a bank. I ca XXXX XXXX cuz of the XXXX. Now I have no food or supplies. Been XXXX days since I've eaten because XXXX income is XXXX a month and cash app essentially took {$440.00} of that. I'm a XXXX XXXX XXXX man and I cried last night and this morning because people have always taken advantage of me and I'm so tired of it but I don't matter so no one cares. I did contact XXXX XXXX and XXXX XXXX for guidance after that happened at cash app and basically called me stupid for using cash app and I don't know what to do now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IL

Complaint narrative:
I found numerous charges on my account that was fraud I contacted my bank and disputed transactions but both times were denied after XXXX hours. Now they are closing my account.

Company response to consumer: Closed with explanation