vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection XXXX XXXX XXXX claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am missing XXXX XXXX dollars from my account. I called and went over my transactions with XXXX they infmored me there were two atm transactions i did not make that i couldnt see for some reason. I asked why and they couldnt tell me. I have my card, i did not visit an atm they just took my money. There is no one around my XXXX whatsoever who could steal it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Imprint Payments, Inc.
State: NV

Complaint narrative:
am requesting hardship assistance due to serious medical and financial circumstances. I am currently on Family Medical Leave ( FMLA ) from my teaching position and am in the process of applying for permanent XXXX. In XX/XX/year>, I contacted my credit card company, Imprint credit card ( issued in connection with XXXXXXXX XXXX XXXXXXXX ), to request a hardship accommodation. At that time, my account had a promotional 0 % interest rate, a balance of {$2200.00}, and I had consistently made my required minimum payments of {$25.00} per month on time without any missed payments. I specifically requested an extension of the 0 % interest period for an additional year due to my medical leave and financial hardship. Despite my request and my good payment history, no hardship assistance or accommodation was provided. Since that time, the promotional period expired, and my APR has increased to 30.24 %. My balance has now grown to approximately {$3600.00} due to interest and fees. This increase has made the debt unaffordable, especially given my current inability to work and ongoing medical situation. I have made multiple follow-up phone calls to the company since XX/XX/year> requesting assistance, but I have not received any meaningful help or resolution. I continue to be charged high interest, and no reasonable hardship options have been offered. I am seeking : A reduction or removal of the excessive interest charges A return to a manageable payment plan Consideration of my documented financial hardship and medical situation I made every effort to communicate proactively and remain in good standing, but the company has not worked with me despite my circumstances.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Last year I sold my late fathers house. It was a long process but eventually figured out what to do. I spoke woth chase bank who said I will be able to get my fathers escrow check after closing. When that time came they asked if I had gone through probate. I did not go through probate, it was sold to a realtor. They said they would not give me the check since I was not an executor or went through probate which I was not told previously. I went to the branch XXXX times to try and solve this with all my documents only to be shuffled to a desk with a phone to call the same people and them to tell me the same thing. This has been a heart breaking process dealing with my fathers untimely passing and his unorganized mess he left behind for me to clean up. I do have more documents but im not able to load all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America is attempting to collect a {$310.00} overdraft fee from 2008 ( 18 years ago ). This debt is 12 years past the 6-year Statute of Limitations in both Michigan and Tennessee and is legally uncollectible. I closed this account in-person years ago. Furthermore, the bank has been charging {$5.00} monthly 'Regular Savings ' maintenance fees over a decade in a half on what should be a closed, zero-balance account. When I contacted them to resolve this, they subjected me to a 'transfer loop ' between departments and refused to zero out the uncollectible 2008 balance. I am requesting that Bank of America administratively zero out all fees and the 2008 balance, close the account immediately, and provide a letter confirming it is closed in good standing with no negative reporting to 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 monetary relief
Consumer complaint received 2026-04-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am reporting the charging from Citi Bank on my XXXX XXXX credit card. According to my records, I reported the following transactions as fraudulent : XX/XX/year> {$560.00} ( XXXX XXXX XXXXXXXX ) XX/XX/year> {$170.00} ( XXXX XXXX XXXXXXXX ) XX/XX/year> {$260.00} ( XXXX XXXX XXXX ) While I appreciate that credits have been issued for some of these transactions, the charge from XX/XX/year> ( totaling {$260.00} ) has not been properly resolved. All three transactions : Were unauthorized Were made to the same merchant ( XXXX ) Appear to be part of the same fraudulent activity Were reported together in my original dispute Given this, it is inconsistent and concerning that only a portion of the fraudulent transactions has been credited. I respectfully request : XXXX. Immediate review of the unresolved XX/XX/year> transactions XXXX. Issuance of the appropriate credits totaling {$260.00} XXXX. Written confirmation explaining why these charges were excluded from the original resolution, if applicable

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 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America engaged in unfair and deceptive acts and practices by adding an attorney fee charge on my mortgage account. There was a disagreement with the XXXX during which they were in violation of the lease. Mortgage lender charged me for attorney fee. Throughout this period, I made multiple good-faith efforts to contact my mortgage lender, Bank of America , using both my online account and the phone number listed in the loan security agreement. Unfortunately, the listed phone number on the security loan agreement was not operational but belonged to a scammer, and I was unable to reach a representative. I even called other phone numbers that I found online, and they keep forwarding me to the next customer service XXXX because no one specializes in mortgage issues and they have poor communication as always. Pursuant to XXXX XXXX ( XXXX ) of the security loan agreement, I took the necessary steps to cure the default directly with the XXXX after we reached a resolution. Additionally, under XXXX VI of the agreement, it states that any amounts paid by the lender to protect its interest in the security may be added to the secured debt. However, in this case, the lender did not make any such payments. All actions taken to resolve the issue and cure the default were handled and paid for by me directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: AR

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 explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Subject : Dispute of Payment Allocation and Refusal to Apply Principal Curtailment Company : Exeter Finance LLC Account # : XXXX I am filing this compaint against Exeter Finance regarding mismanagement of my voluntary payments. My XXXX case was officially closed in XX/XX/XXXX. Despite this, Exeter is utilizing a XXXX XXXX XXXX XXXX as a reason to deny my specific allocation requests and is currently blocking my online portal access. On XX/XX/XXXX, I made a voluntary payment of {$610.00} from my XXXX XXXX XXXX account. I provided explicit instructions that this payment be applied as follows : {$550.00} for my monthly installment. {$33.00} to satisfy a {$30.00} XXXX fee and {$3.00} service charge. {$29.00} applied directly to my Principal Balance. Exeter Finance ignored these instructions and applied the overage as a " Paid Ahead '' credit for XXXX, reducing my next bill to {$520.00} instead of applying it to my principal balance of {$27000.00}. When I called today, a representative claimed they have " no control '' over allocation due to the XXXX XXXX. By refusing to allocate these voluntary funds to principal, the lender is artificially maintaining a higher balance and accruing additional daily interest. This is directly interfering with my ability to manage this debt and prepare for a refinance with my credit union. " I have repeatedly requested a XXXX of XXXX XXXX to verify how my {$610.00} payment was applied, but Exeter Finance has failed to provide it. They are using my closed bankruptcy status as a reason to withhold my accounting records and deny me online portal access, which prevents me from verifying if my voluntary principal payments are being applied correctly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I had autopay set up on my Bank of America credit card to pay my statement balance. The scheduled payment failed due to insufficient funds in my linked account. I did not receive any notification or email alert about the failed payment. I only discovered the issue after checking my account. Once I noticed it, I immediately paid the full outstanding balance. Despite this, interest was charged on the account. I contacted Bank of America customer service to request a one-time goodwill waiver of the interest charge, explaining that XXXX was enabled in good faith, I was not notified of the failed payment, and I corrected the issue immediately after discovering it. Bank of America reviewed my request and denied the adjustment on XX/XX/year>. I was informed that the decision was final. I am requesting a review of this case and a one-time courtesy removal of the interest charge, since the payment failure was not intentional, I was not notified in time, and the balance was paid immediately once identified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have a XXXX account that is currently showing past due, however I made repeated good faith efforts to remain current. Beginning around XX/XX/XXXX, I was making payments under a program. When that program ended, I was not provided with a clear way to continue making payments. I contacted customer service multiple times requesting my account number so I could set up online access and continue payments. I was repeatedly refused this information for security reasons, which prevented me from accessing my account. Because I was unable to obtain my account number, I could not set up online payments or properly manage my account. I eventually located an old statement myself to obtain the account number and plan to make a payment by XX/XX/XXXX, which is the listed due date. Despite my efforts to pay, I have been subjected to excessive and repeated phone calls from numbers claiming to be associated with Comenity regarding this account. These calls have included multiple calls per day, calls from different and unknown numbers, and voicemails using urgent and misleading language referencing escalation and suggesting attorney involvement. The volume and nature of these calls caused significant disruption and forced me to change the phone number associated with my account. This conduct is inappropriate given that I was actively attempting to make payments but was prevented from doing so due to lack of account access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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: IL

Complaint narrative:
Regarding the 2 Accounts XXXX in the amount of {$1100.00} and XXXX in the amount of {$990.00} that are reporting on my credit report. I am writing regarding the above-referenced account currently being reported on my credit file by LVNV Funding LLC . I am formally requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). To date, I have not been provided with sufficient documentation to establish that I have a legal obligation to this account. As LVNV Funding LLC is a debt buyer, I am requesting the following : A copy of the original signed agreement with the original creditor A complete account history, including all charges, payments, and fees Documentation showing the full chain of assignment from the original creditor to LVNV Funding LLC Proof that LVNV Funding LLC has the legal authority to collect and report this debt Additionally, this account is being reported on my credit file and is negatively impacting my financial standing. Reporting unverified or inaccurate information may constitute a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am the property owner in XXXX XXXX this. Mortgage lien the plaintiff is attempting to foreclose upon was satisfied and a formal discharge of the mortgage was recorded in XXXX. The plaintiff is currently pursuing a foreclosure based on corrective assignments filed in XXXX that contradicts the official records. I am not looking for a loan modification. I am looking to get a choir title action. I have the record, I have the recorded deed, I have the records of the discharge, and I have a HUD XXXX settlement statement ready for your review. Additional information provided by consumer : XXXX Please send this to PHH Mortgage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This listing has been wrongly attached to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Formal Complaint : Unresolved Funds Disbursement Issue ( Venmo Case # XXXX ) Company Involved : XXXX ( PayPal, Inc. ) Description of Issue : I am filing this complaint due to XXXX failure to disburse the remaining {$15.00} balance from my closed account for over XXXX years. Despite numerous attempts to resolve this directly with XXXX support, the funds remain inaccessible due to a persistent technical error. Key Points of the Dispute : Failed Technical Resolutions : XXXX has repeatedly attempted to " temporarily reopen '' my account to allow for a cash-out. However, every attempt to transfer the funds through the platform has failed, and the core technical roadblock preventing the transfer remains unresolved XXXX XXXX Demands : XXXX continues to request a screenshot of a physical card that has since been destroyed. I have offered alternative verification, such as bank statements from the linked account and my official state ID, but these have not been accepted to resolve the hold Exhausted Internal Options : I issued a formal escalation and final notice to XXXX on XX/XX/year>, providing a XXXX window for resolution. That deadline has passed without a functional mechanism being provided for me to recover my property

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation