vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the reporting on my XXXX account because the tradeline is materially inaccurate, misleading, and inconsistent across the national consumer reporting agencies. The account contains multiple reporting inconsistencies, including : Experian reports the account as 180 days late, while XXXX and XXXX report XXXX delinquency for the same reporting periods Experian also shows late payment in XX/XX/year>, while XXXX and XXXX reports show as paid on time. Inconsistent Date Last Active reporting across all three bureaus Inconsistent Date Opened reporting Inconsistent payment history progression Conflicting account timeline information Inconsistent Date of Last Payment reporting Because delinquency severity and payment history directly impact credit scoring and underwriting decisions, materially different reporting for the same account creates a misleading and unreliable representation of my credit history. This tradeline is not being reported with maximum possible accuracy as required under the Fair Credit Reporting Act.

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 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I am submitting this complaint regarding Credence Resource Management , LLC and the reporting of an alleged XXXX XXXX XXXX collection account to XXXX. On XX/XX/year>, I discovered that Credence Resource Management reported a collection account in the amount of approximately {$1100.00} to my credit report. Prior to this reporting, I did not receive any written notice, mailed validation notice, or communication regarding this alleged debt. The first communication I received was a text message sent on Wednesday, XX/XX/year>. Immediately after receiving the text message, I formally disputed the alleged debt and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including documentation supporting the debt, the original creditor information, and proof of liability. Because I never received proper prior notice before the collection appeared on my credit report, I believe Credence Resource Management may have failed to comply with federal consumer protection laws, including : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) I respectfully request that the CFPB investigate the following : 1. Whether Credence Resource Management provided proper validation notice before reporting the account to the credit bureaus. 2. Whether the reporting was lawful and accurate. 3. Whether the collection account should be removed from my credit report pending validation and investigation. At this time, the account remains disputed, unverified, and damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal refunded the three of the FOUR transactions from XXXX XXXX in the XXXX amount. They have still under dispute the XXXX transaction from XXXX XXXXXXXX XXXX of {$150.00} and they are saying that IF THEY DECIDE to give me my refund it will be in {$140.00} in US dollars but will give me a {$20.00} voucher. If it were reverse and I owed Paypal {$5.00} you best believe that would make sure I paid them the {$5.00}. I had {$150.00} unauthorized or taken without my permission from my account and I want not XXXX in XXXX but the entire XXXX. Secondly, Paypal keeps mixing up the transactions and refusing to acknowledge that the {$150.00} negative balance was applied to my refund. All of the fraudulent transactions were under the name XXXX XXXX XXXX XXXX XXXX and was unauthorized. One transaction from XXXX XXXX was refunded and three transactions from XXXX XXXX was refunded. I did not get the 4th transaction refunded and they said that if they do because THEY did not enter the conversion correctly that I should take a {$20.00} coupon and that is not right! Also, my second transaction from XXXX XXXX was declined because they saw fraud or identify theft and Paypal covered that balance that was taken from my refunds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My vehicle was wrongfully repossessed by XXXX XXXX XXXX under authorization from Westlake Financial despite my account being current and my insurance already being updated. Multiple Westlake representatives verbally confirmed on recorded calls that my vehicle should not have been repossessed. After my vehicle was taken while I was at work, I contacted Westlake repeatedly seeking answers and assistance. Instead of helping me, Westlake gave me the absolute runaround for several days. Representatives repeatedly denied authorizing the repossession, told me they had no information regarding who took my vehicle, and even instructed me to file a police report, strongly implying that my vehicle may have been stolen. At the same time, XXXX XXXX XXXX confirmed that they repossessed my vehicle directly under Westlake authorization and even provided authorization details proving they were acting on behalf of Westlake Financial. Double XXXX XXXX was cooperative, transparent, and fully aware of the repossession status, while Westlake continued denying responsibility and directing me to call back tomorrow day after day. Because of Westlakes contradictory statements and refusal to take responsibility, I have been stranded away from home without reliable transportation, placed in an unsafe situation, experienced emotional distress, lost valuable time from work and personal obligations, and continued to accumulate repo-related charges and fees that I believe are unjust. Westlakes delays have directly caused additional storage fees and financial harm while they continue withholding my vehicle. I believe Westlake Financial either wrongfully repossessed my vehicle or mishandled this repossession in an extremely negligent and deceptive manner. I am requesting an immediate investigation into this matter, immediate release of my vehicle, waiver and reimbursement of all towing, repo, storage, and related fees, correction of any negative reporting associated with this incident, and a full written explanation regarding how this repossession occurred while my account was current and insurance was already updated. I also request review of all recorded calls, internal notes, and communications regarding this matter, as multiple representatives acknowledged verbally that my vehicle should not have been repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
This finance company is reporting inaccurate information on my credit report .. Ive requested validation,, Ive sent in numerous of fraud and disputes with no response.. This is hendering me from obtaining proper transportation to work, and many other things as well .. Ive never taken out a car loan in fact this loan was opened at the time of me being XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against XXXX regarding an inaccurate collection account being reported by I.C. System, Inc. in the amount of {$350.00}. This account was previously removed from my XXXX credit report and later reinserted without any notification being sent to me, which appears to violate the Fair Credit Reporting Act ( FCRA ). I never received written notice advising me that this account would be reinserted onto my credit file. I have disputed this account multiple times with XXXX. However, XXXX continues to respond with generic statements claiming the account was verified or remains, yet no actual verification or supporting documentation has ever been provided to me. XXXX has failed to provide : * The method of verification used * The name and contact information of the party that verified the debt * Any signed contract or documentation proving the debt is mine * Proof that reinsertion notice was sent to me as required by law In addition, Experian deleted this same account from my credit report, which raises serious concerns regarding the accuracy of XXXX investigation and reporting practices. I believe XXXX failed to conduct a reasonable investigation under the FCRA and improperly allowed the reinsertion of disputed information without complying with federal notification requirements under FCRA Section 611 ( a ) ( 5 ) ( B ).

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 2026-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am filing this complaint regarding the repossession and handling of my auto loan account with Honda Financial Services. On or about XX/XX/year>, my vehicle was repossessed. Immediately after the repossession, I contacted Honda Financial Services to locate the vehicle and determine my options to reinstate or redeem it. During those communications, I was informed that the vehicle was not in their possession. I continued calling over a period of days and weeks and was later informed that Honda Financial Services did in fact have the vehicle. This inconsistent and inaccurate information interfered with my ability to exercise my rights regarding the vehicle. In addition, I did not receive any repossession notices, notice of right to reinstate, notice of intent to sell, or post-sale accounting by email, mail, or electronic notification despite being enrolled in electronic communications. At the time of these events, I had also informed the company that I was dealing with serious medical hardship requiring endoscopy and treatment involving my throat and stomach, which affected my ability to respond quickly. The account was later charged off with an alleged deficiency balance of approximately {$12000.00}, which I dispute due to the lack of proper notice, inconsistent information, and improper handling of the repossession process. I am requesting the following resolution : 1. Full cancellation and waiver of the alleged deficiency balance 2. Removal of all negative credit reporting associated with this account from all credit bureaus 3. Written confirmation that the account is closed with a XXXX balance and no further collection activity 4. Review of additional compensation related to the financial harm and loss of opportunity caused by the improper handling of this matter I am requesting that Honda Financial Services provide complete documentation regarding : * repossession date and location * all notices allegedly sent * sale information and accounting * internal communication and call records related to my inquiries I believe the company failed to provide accurate information and failed to properly notify me regarding the repossession and sale of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I am submitting this complaint regarding the handling of my mortgage account by Shellpoint Mortgage Servicing. Since taking over responsibility for the property after probate, I have experienced ongoing problems with communication, inconsistent information, and delays regarding my mortgage account and foreclosure concerns. I have repeatedly contacted the company seeking assistance, clarification, and information about the status of the loan and available options to prevent foreclosure. Despite my efforts, I have received conflicting information from different representatives and have not been provided clear guidance or timely responses. On or about XXXX XXXX, I contacted the company to request information regarding the account status, payment history, foreclosure status, and any available loss mitigation or loan assistance options. I also requested documentation related to the account and asked what steps were necessary to resolve the matter and keep the home. Since that time, I have made multiple attempts to communicate with the company by phone and/or written correspondence. I have spent significant time trying to obtain accurate information, but the process has been confusing and stressful. I believe the company has failed to provide clear communication and adequate assistance regarding my account. As a result of these issues, I am concerned about the possibility of foreclosure and the loss of the property. I am requesting that the company provide a full review of my account, accurate information regarding the status of the loan, copies of relevant documents, and clear written communication regarding all available options to resolve this matter. I also request that the company investigate the handling of my account and correct any errors or miscommunications that may have occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
I purchased a Western Union XXXX XXXX XXXX XXXX XXXX, customer service XXXX XXXX money order from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the amount of XXXX and the money order was defective because the numbers on the money order was not readable so my landlord told me I could not use the money order and the clerk who printed out the money order should have never sold the defective money order to me like that. I did take the money order back to XXXX after spending hours on the phone with western union and the XXXX XXXX the western union clerk was able to give me a refund but then charged me XXXX for the refund so the only gave me back XXXX of my money. I did try to dispute the XXXX but was told that XXXX would have to pay me the XXXX and XXXX refused to pay me the XXXX so now I am filing a complaint for my XXXX because it was not my fault and I feel like I should not have to pay XXXX refund fee when it was not my fault, it was an error on the XXXX XXXX. Money order NO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
I moved out of altitude apartments in XXXX XXXX my rent was paid in full when I left they are trying to charge me interest on a debt that was never owed of {$800.00}. this company has been sued XXXX XXXX from our XXXX XXXXXXXX XXXX office here in Colorado for fraudulent business practices in the amount of XXXX XXXX of fraudulent charges to tenants this company continues to harass me through emails for a fraudulent debt that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is a new, substantive complaint regarding a direct mathematical violation of the Fair Credit Billing Act and Regulation Z ( Prompt Crediting of Payments ). This is not a duplicate of my previous complaints regarding Wells Fargo 's investigative practices or timelines. This complaint provides incontrovertible, mathematical proof that Wells Fargo 's XX/XX/year> statement completely omitted a settled cash payment of {$6000.00}. I am submitting two documents for the Bureaus review : My official XXXX XXXX XXXXXXXX XXXX ledger ( Account XXXX ). According to my XXXX XXXX XXXXXXXX XXXX, I executed a successful push payment of {$6000.00} on XX/XX/year>. XXXX XXXX XXXX confirms these funds cleared the Federal Reserve and settled with Wells Fargo ( Company ID : XXXX ). However, Wells Fargo 's XX/XX/year> statement proves that this payment was never credited to my account. The mathematical proof is indisputable and relies entirely on Wells Fargo 's own statement figures : Starting Balance ( As of XX/XX/XXXX ) : {$0.00} Debit XXXX ( XX/XX/XXXX ) : + {$5900.00} ( Reversal of a prior AutoPay ) Debit XXXX ( XXXX XXXX ) : + {$5700.00} ( XXXX Rent Charge ) Debit XXXX ( XX/XX/XXXX ) : + {$190.00} ( Interest Charge ) Debit XXXX ( XX/XX/XXXX ) : + {$9.00} ( Apple Charge ) GROSS DEBITS : {$11000.00} Wells Fargo 's XX/XX/XXXX statement demands a " New Balance '' of exactly {$11000.00}. Because the starting balance was {$0.00}, and the sum of all new debits is {$11000.00}, the only mathematical way the final balance can be {$11000.00} is if Wells Fargo applied {$0.00} in credits/payments during this cycle. Wells Fargo has mathematically confessed on their own billing statement that they completely omitted my XX/XX/XXXX payment of {$6000.00}. Despite providing this mathematical proof, Wells Fargo 's Enterprise Complaints Management Office ( ECMO ) refuses to correct the ledger. Instead, they have restricted my online access to my historical statements and issued form letters telling me they will no longer respond to my inquiries.

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 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On Wednesday, XX/XX/year>, I authorized a single {$40.00} XXXX gift card purchase via the Venmo application. During the transaction, the Venmo app malfunctioned and froze. As a result of this technical failure, Venmo erroneously debited my account for {$120.00} ( processing three separate {$40.00} charges ) instead of the single authorized {$40.00} charge. Furthermore, the intended recipient received a notification of the gift card but can not access or utilize the funds. I contacted Venmo customer support immediately that same day and have followed up every day since. Representatives have acknowledged the system error and stated that their " engineers are working on it. '' Despite acknowledging the defect on their end, Venmo is refusing to issue a provisional credit for the unauthorized overcharges. I was explicitly told that I must wait an unspecified amount of time for their engineering team to either cancel the transactions or force the three gift cards through, at which point I would be required to initiate a manual dispute to reclaim my money. This is an unacceptable business practice. A multi-billion dollar financial institution is holding my funds hostage due to a defect in their own software and refusing to make me, the consumer, whole while they investigate their internal technical failure. I am requesting an immediate refund of the {$120.00}, as the product purchased was never successfully delivered and the overcharges were completely unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
The debt collector continues to contact my parent, which I have no contact with. They have shared my full debt, including amount and to whom owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Uprova Credit, LLC
State: OK

Complaint narrative:
When I had my uprova loan I still do but it's sent to third party collections company but I did have all my payments on time and I needed to stop a payment from them taking money once from my bank and I tried my bank information again and it didn't work and I was able to pay them with my bank but they wouldn't let me.

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