vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 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 am submitting this complaint against a company reporting under the name Online Collections for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Online Collections G is reporting an alleged debt on my consumer credit reports that I do not recognize and did not authorize. I have never done business with this company, and I have no knowledge of any account or obligation associated with them. 
Violations and Issues No Business Relationship / Debt Not Mine I have never entered into any agreement, contract, or transaction with Online Collections. The debt does not belong to me. 
No Account Number or Identifying Information The tradeline lacks a valid account number or sufficient information to identify or verify the alleged debt. Reporting an account without adequate identification is inaccurate and misleading. 
Failure to Validate Debt Online Collections has not provided any debt validation, contract, billing statement, or proof that I am legally responsible for the alleged debt, in violation of 15 U.S.C. 1692g.

Inaccurate and Unverifiable Credit Reporting Reporting unverifiable information violates 15 U.S.C. 1681e ( b ), which requires furnishers to ensure maximum possible accuracy of information reported to consumer reporting agencies.

Failure to Conduct a Reasonable Investigation Despite the lack of verification, the account continues to be reported, violating 15 U.S.C. 1681s-2 ( b ).

Harm Caused This inaccurate and unsupported reporting has negatively impacted my credit score, impaired my ability to obtain credit, and caused financial and emotional distress.

Resolution Requested I respectfully request that the CFPB require Online Collections to : Immediately delete the unverifiable tradeline from all consumer reporting agencies.

Provide written confirmation of deletion.

Cease reporting this account unless full legal validation can be produced. 
Ensure the account is not reinserted without full compliance with federal law. 
If this matter is not resolved promptly, I am prepared to pursue all legal remedies available to me. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I have a conventional home mortgage serviced by Rocket Mortgage. 

In XX/XX/year>, my monthly mortgage payment increased significantly due to an escrow analysis, creating a material and ongoing affordability issue. I applied for mortgage assistance through Rocket Mortgages Application for Success program and submitted all requested documentation, including income information and hardship explanation.

Rocket Mortgage denied my application and subsequent appeal, stating that under investor guidelines my hardship was not imminent and that no loss mitigation options were available at this time. I requested written clarification of what loss mitigation options, if any, were available under the applicable investor guidelines and the specific reason no options were offered. 

Rocket Mortgage responded in writing that no options were available at this time and advised that I should reapply for assistance only if I become unable to make future payments or fall further delinquent. This effectively conditions access to loss mitigation assistance on additional delinquency. 

During this process, I was advised that while my application was under review, I would continue to be reported as delinquent to the credit bureaus unless the loan was brought fully current, and that reporting would continue until that occurred. I am making good-faith efforts to cure the delinquency while seeking a sustainable, long-term solution, but the current payment structure remains unaffordable due to escrow-driven increases. 

During communications with Rocket Mortgage while my assistance application was under review, I was advised that making payments during the review could delay processing and that it may be preferable to wait until a determination was made. At the same time, I was informed that delinquency reporting would continue unless the loan was brought fully current. This placed me in a position where following servicer guidance regarding the review process conflicted with avoiding additional credit harm.

I am submitting this complaint to request review of whether conditioning loss mitigation assistance on further delinquency, while continuing adverse credit reporting during the review process, is consistent with applicable consumer protection requirements and fair servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint loan servicing I received an email that my mortgage has been transferred to sheelpoint asking me to complete a form confirming my contact info and my social security number. my mortgage was serviced by XXXX, and I thought XXXX had sold my mortgage to Shellpont so I completed the form that was around XXXX of XXXX. after that I received an email stating that I had a second Mortgage that was incited in XXXX of XXXX, however in XXXX I combined a second loan for {$67000.00} from XXXX XXXX bank and XXXX in to one mortgage, also I filed XXXX XXXX in XXXX. Shellpont claims that the last time they got a payment from me was in XXXX, so I called the company they claimed they have been trying to get hold of me for the past 15 years, I lived in my house since XXXX of XXXX had the same phone number, same email for over 20 years. I tried contacting them sent all paperwork that shows I do not owe them any money, however I sold My house in XXXX of XXXX at the closing I was informed that Shellpont put a lien against my house for {$59000.00}, I was facing foreclosure so I had to sell and Shell point demanded over {$100000.00} in late payments and fees, I have a full proof that I do not owe any money to Shellpoint, I request that you help me get my money back

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I was needing to access my tax return to pay off some debt and pay for everyday expenses. The only company I could use was XXXX XXXX and credit karma. It was stated that after the IRS accepted the tax return the advance would be in my Credit Karma Money account XXXX seconds later. Well that was completely untrue. XX/XX/XXXX I received an email and text message saying the IRS has accepted my tax return. When I went to credit karma to inquire about it they said they can only see once the money hits my account and not before, I would have to contact XXXX XXXX. It finally showed up about XXXX minutes later. When I went to my XXXX account to see where my debit card was ( I had requested one about a month or so prior ) and saw that it should've been delivered on the XXXX of XXXX. I had not received said debit card. I also noticed that my address had not changed on the website even I know I had changed it previously when I initially moved from apartment. I go ahead and change my address as well as deactivate the debit card and requested a new one. I figured I'd be able to use my virtual card until I got physical card. Well as soon as I did that the virtual card details were removed for the page. I chatted and I called and talked to several customer support agents. I kept getting transferred but no one could tell me why or how I could access my virtual card. After about XXXX hours of dealing with it I decided to try other ways to access my funds. To no avail, I just gave up. Around XXXXXXXX XXXX that XXXX  I received an email saying that my money account was locked. Great!!! Not only can I not access my funds but now my account is locked. So again I chat and call and yet again no one can tell me why or how my account is locked. I have expressed several times that I need that money for my light bill because this weekend its going to be a winter storm and I need to get groceries for myself and my XXXX kids. They tried to empathize with me but no one was helping me. It's XXXX XXXX  now on XX/XX/XXXX and I still have no answers and can not not touch the {$2000.00} I NEED to pay my bills. Everyone I talked to seems to be reading off of a script and they do not stray away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I received an email last night at XXXX XXXX  from Chase Bank. Thanking me for my application. I received an alert not long after from XXXX  and then another one for my XXXX fraud alert all stating I had an alert. 
I was unsure how to proceed so I contacted XXXX  and put extra security on my account. I then ended up on the Chase page which redirected me here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC
State: IN

Complaint narrative:
Request for Mortgage Assistance I am writing to formally request temporary mortgage assistance due to a financial hardship beyond my control. 

I recently lost my full-time employment and, since then, I have been working as an XXXX XXXX  XXXX to support my family. Unfortunately, the income from this work has not been sufficient to cover all household expenses. I am a parent of two children and currently experiencing significant financial strain. 

At this time, I am behind on my mortgage payments for XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX is approaching. My monthly mortgage payment is {$1900.00}. I contacted CrossCountry Mortgage earlier and spoke with an agent who scheduled a payment of {$1900.00} for XX/XX/XXXX. I genuinely intended to make this payment. 

However, on XX/XX/XXXX, my vehicle unexpectedly broke down while I was on the highway and had to be towed. After inspection by a mechanic, I was informed that the engine was completely damaged and requires replacement. This unforeseen expense eliminated the funds I had set aside for the scheduled mortgage payment. 

Despite my current hardship, my situation is improving. I am scheduled to begin XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. Once I begin receiving XXXX XXXX, I am confident that I will be able to resume making my mortgage payments consistently and work toward keeping my loan in good standing. 

I am respectfully requesting your assistance to bring my mortgage to current or to place my loan into a temporary forbearance or hardship program until I begin receiving income from the military. This support would allow me the opportunity to stabilize my finances and continue meeting my mortgage obligations without risk of default. 

I truly value my home and my relationship with CrossCountry Mortgage, and I am committed to paying my mortgage. I would greatly appreciate any assistance or guidance you can provide during this difficult period.

Thank you very much for your time, understanding, and consideration. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: Westlake Services, LLC
State: CA

Complaint narrative:
Starting XX/XX/XXXX I called Westlake financial to pay off my loan. First I asked them if I could have {$800.00} removed which isn't a lot in very small compared to other requests that people make. I have never had a late fee or have never contacted them before with any issues. I make all my payments on time. The guy said that they shouldn't be a problem and that they would get back to me or email me and if I didn't hear from them by Tuesday to call them back. Well now I'm blocked I can not get through I can not call I can not talk to a representative. They have an XXXX  person answer the phone and she tells me that she can not transfer me to anyone. Since then I have called eight times and emailed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: Paramount GR Holdings, LLC
State: LA

Complaint narrative:
I am filing a complaint against GoodLeap LLC for originating and enforcing a fraudulent and legally invalid solar loan involving identity misuse of a deceased individual. 

The loan was opened nine ( 9 ) days after my mothers death, using her credit and identity, despite the fact that a deceased person can not legally enter into a contract. No valid authorization, power of attorney, or consent existed at the time the loan was originated. I did not have legal authority to bind her estate, nor did I assume or accept personal liability for this loan.

I notified GoodLeap approximately three years ago that the contract must be cancelled due to the borrowers death, yet GoodLeap failed to rescind the agreement and continued enforcement actions.

Since that time : The original solar installer went bankrupt GoodLeap engaged a replacement installer years later without renegotiation or consent The loan terms and monthly payment were materially altered without my approval GoodLeap has attempted to enforce the loan by requesting a third party ( XXXX XXXX ) to curtail or disable my solar system This dispute concerns the validity of the loan itself, not payment status. The loan is disputed in full due to fraud, lack of legal capacity, identity misuse, and material alteration of contract. 

I am requesting that the CFPB require GoodLeap to : XXXX. Cease all collection and enforcement activity XXXX. Withdraw any third-party enforcement requests XXXX. Conduct a formal fraud investigation XXXX. Provide written confirmation of resolution I am preserving documentation and have filed identity misuse reports related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I have an open account with XXXX  that is current. The account has never been put into collections. This isn't my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: PA

Complaint narrative:
I had money stolen out my cash app account. Several unauthorized transactions were made and they refuse tongiveneback my money. The money was stolen on XX/XX/year>. The amount totaled to {$1300.00} dollars. I was on the phone with cash app when the money was being taken. I was locked out of my account because the person unlinked my phone number and email and put their email address on my cash app. The cashapp representative tried to unlink the email and the email was put back in my account. I was told I would get my money back and they denied my disputes. I called them and they dont know why they denied the disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing in reference to your response on my recent complaint ID XXXX on XX/XX/year>. I am writing to respectfully request a goodwill reconsideration regarding the credit reporting on my loan during my FHA Payment Supplement trial period. 

Over the past several months, I experienced significant financial hardship due to extended unemployment. During that time, I did everything possible to remain proactive and in communication with XXXX to understand my options and protect my account. 

In XXXX, I contacted XXXX and spoke with a customer service agent who explained the FHA Payment Supplement program. During that same call, I specifically asked how participation in this program would affect credit reporting. The agent advised me that she did not fully understand the credit reporting portion of the program and stated that she would transfer me to another representative who could clarify. Unfortunately, that transfer never occurred, and I was left without a clear explanation despite directly asking for XXXX. The agent also acknowledged on the call that this FHA supplement program is new. 

I want to acknowledge and sincerely appreciate XXXX decision to remove the adverse credit reporting from XXXX. That reporting caused an immediate and severe impact to my creditover XXXX pointsand resulted in multiple banks closing my credit card accounts, which created additional financial hardship during an already difficult period. 

I am respectfully asking XXXX to extend further goodwill by reconsidering any negative XXXX XXXX during my FHA Payment Supplement trial period. Based on my understanding of the program, once successfully completed, my account will be brought current. Reporting delinquency during this trial creates ongoing harm and undermines the purpose of the program, which is to help borrowers recover and stabilize. 

I understand that I could have pushed harder for clarification at the time ; however, I relied on the agents obligation to explain the program accurately rather than stating she lacked clarity on such a critical component. I acted in good faith and made decisions based on the information and lack of clarification provided to me. 

I am not in a financial position to retain legal counsel to pursue this matter, and I am simply asking for compassion and fairness under these circumstances. Allowing me to complete the trial and program without further negative reporting would prevent additional hardship and give me a true opportunity to recover and bring my loan current. 

Thank you for taking the time to review my request and for the consideration already shown. I truly appreciate your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Meritize Financial Inc.
State: FL

Complaint narrative:
I enrolled in a flight training program with XXXX XXXX, financed through a private student loan with Meritize Lending LLC and serviced by XXXX. The school permanently closed before I completed the contracted program. I formally requested a refund of unused funds and sent a written dispute to the lender via certified mail. Instead of providing a resolution, the lender continues referring me to a non-responsive school. I also received inaccurate information stating that I had completed the program, which is false. I am still being billed for a loan related to education that was never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX agency is trying to collect {$380.00} on behalf of XXXX XXXX since XX/XX/XXXX based on outdated documentation. Back in XX/XX/XXXX, I moved out & received my final out notice from The XXXX XXXX XXXXXXXX XXXX apartments who were ran by XXXX XXXX real estate. On my final out notice, it was shown that XXXX XXXX owed me a {$20.00} refund which they sent as a check to me in XX/XX/XXXX. XXXX XXXX presumably transferred the responsibility of XXXX XXXX XXXX XXXXXXXX XXXX to XXXX XXXX in XXXX after I was long gone. As XXXX XXXX was checking their books, it seems that they didn't have my updated final out from XX/XX/XXXX but they had an old version of the final out from XX/XX/XXXX that showed I owed {$380.00}. XXXX XXXX then sent the old version of the final out to Columbia Debt Recovery XXXX agency attempting to collect a false amount. I've been in contact with Columbia Debt Recovery XXXX agency to ask what documentation did they have showing I owed them money & they proceeded to tell me over a recorded phone line that they had the old version from XX/XX/XXXX. My wife requested that documentation to be sent over email & they never sent it. We submitted disputes with their company showing them the updated final out & they seem to not accept it without justified reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1700.00} Original Creditor : XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing in response to your reporting of the above-referenced account on my credit report. I am requesting validation of this alleged debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following : 1. Proof that I am legally obligated to pay this debt.

2. A copy of the original signed lease or contract.

3. An itemized statement showing how the amount was calculated.

4. Proof that your company is authorized to collect on this debt.

5. The date of the original delinquency.

Until you provide proper validation, you must cease all collection activity and any reporting of this account to the credit bureaus.

If you are unable to validate this debt, I request that the account be deleted from all credit reporting agencies.

This letter is not a refusal to pay, but a request for verification. I do not acknowledge any liability for this debt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response