vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize or approve the listed inquiries. Please investigate and update the records accordingly. Supporting materials are provided.

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 2026-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: AMERISAVE MORTGAGE CORPORATION
State: LA

Complaint narrative:
I am disputing a {$540.00} appraisal fee requested by AmeriSave related to my refinance application. I did not authorize this fee under the circumstances of this transaction. Timeline & Facts : Appraisal Completed : The appraisal was performed on XX/XX/year>. Written Representation : After the appraisal, the processor emailed me a list of XXXX debts to be paid off, which I relied upon in proceeding with the refinance. Notification of Discrepancy : On the morning of my scheduled closing ( XX/XX/XXXX, XXXX ), I emailed both the processor and my loan officer regarding a discrepancy : the Closing Disclosure listed only 6 debts, materially changing the transaction. Response from AmeriSave : The processor did not respond. The loan officer contacted me 12 days later, after the scheduled closing. Cancellation : I canceled the refinance immediately upon discovering the discrepancy. Why XXXX Dispute the Fee : I acted promptly upon noticing the discrepancy. I relied on a written email from AmeriSave staff listing 10 debts. The Closing Disclosure materially differed from what I was led to expect. I did not receive timely guidance from AmeriSave before the scheduled closing. Given these facts, I request that AmeriSave rescind the {$540.00} appraisal fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Back in XX/XX/year> I got a call from Synchrony Bank telling me I was past due on a PayPal Credit card and my balance was {$22000.00}. I told them I knew nothing about this and I didn't open any account with PayPal. They said they would investigate. I got a letter saying the account had been closed so no further charges would incur. I got another call last month saying I still owed the money and my issue was not resolved because I had made a payment on the account. I told them I had not made a payment. Apparently This account was opened by someone in California. I live in XXXX KY. The Synchrony account number ends in XXXX. I have no way to access this account. It doesn't show up on PayPal. All I have is that it ends in XXXX. I have placed a fraud alert on all 3 credit bureaus and blocked any new accounts from being opened. I think this account was opened around XX/XX/year> and the person started with small purchases from XXXX which I never frequent. I didn't realize there was a problem until I checked my credit score which had dropped XXXXpoints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a Chase bank account and credit card holder for many years. I have always paid my bills in full and always on time. I even have private client status and chase sapphire reserve carfs. Recently, I got a new car and the lease was setup through Chase Auto. They havent setup the recurring payments correctly and the lease payments were missed for 1-2 months. This tanked my credit score from XXXX to XXXX for no fault of mine. Chase branch management acknowledged the error was due to their internal 'unlinked account ' billing failure but failed to provide a timely correction. The team is now unresponsive and blaming their own auto department being a different division and not responding to clearing this problem they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a personal checking/savings customer with Fifth Third Bank XXXX I am unable to add a payee in online banking because the banks payment processor is blocking the action. Fifth Third representatives have repeatedly told me that the block is coming from their processor, but they have not provided a way to resolve the issue or escalate it to the appropriate internal team. I have confirmed that there is no fraud on my account, and I have passed all identity verification steps. Despite this, the system continues to prevent me from adding a legitimate payee. Fifth Third has not provided a clear explanation, has not offered a manual review, and has not escalated the issue to their internal risk operations team. This has left me unable to make necessary payments from my own account, and the bank has not provided any reasonable path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a purchase with a merchant XXXX in XXXX on XX/XX/year> in the amount of {$140.00} for spices, high-quality saffron and some XXXX chocolate bags. Upon returning back to the XXXX we placed the saffron in water, to realize it was basically artificially dyed strands and we did not receive the bags of chocolate we purchased. I started a dispute in the amount of {$88.00} and capital one closed the dispute and charged me back the amount all because the merchant responded stating the goods were provided WITH NO PROOF. How is it that I'm the one paying the annual fee to do business with this merchant and they treat their customers as such. Called to speak to customer service & a manger they disconnect the line & don't even call back. Emailed the CEO and several other staff on the corporate panel with no response back. This is not appropriate!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer of {$680.00} ( approximately XXXX XXXX ) using Taptap Send. The transfer ID associated with this transaction is XXXX. The transfer was made after I received a message through XXXX from a phone number belonging to a close family member. The person contacting me claimed they were facing an emergency and urgently needed financial help. Because the message came from a trusted contact number that I regularly communicate with, I believed the request was legitimate and proceeded with the transfer. Shortly after completing the transaction, I contacted my family member directly and discovered that their XXXX account had been hacked and that they had not sent the request. I then realized that I had been targeted by a scam involving an account takeover. At that time, the transfer was still in progress for approximately XXXX hour before it would be available to the recipient. As soon as I realized the fraud, I immediately followed the reporting steps provided by Taptap Send. I sent an urgent email to their support team requesting cancellation of the transfer and also attempted to contact their advertised XXXX customer support phone number multiple times. Despite making several calls and sending an immediate email while the transfer was still processing, no one answered the support phone line and I did not receive timely assistance. Because the transfer remained in progress for a significant amount of time, I believe it could have been stopped or reversed if appropriate action had been taken when I reported the fraud. Later, I received a response from Taptap Send stating that their partner was not able to reverse the funds. However, the company did not provide a clear explanation of what actions were taken after I reported the fraud, or whether the receiving bank was contacted in time to freeze the beneficiary account. My concern is that I reported the fraud promptly and followed the companys own reporting procedures, yet the transaction still proceeded without intervention. I believe the company failed to provide effective fraud response support during the critical period when the transaction was still in progress. - I am requesting a full investigation into this matter, including : - The exact timeline of when my fraud report was received. - What actions were taken by Taptap Send after my report. - Whether the receiving bank was contacted to freeze the beneficiary account. Proof of payout and the exact time the funds were released. I am requesting assistance to ensure the company properly reviews this case and takes all possible steps to attempt recovery of the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am disputing the collection account reported by Columbia Debt Recovery LLC related to XXXX XXXX XXXX XXXX. The account reports an original balance of approximately {$1600.00} but a collection balance of about {$1700.00}, indicating that additional fees or interest were added after the debt was placed in collections. I have not received documentation showing that these charges were authorized by the original lease agreement or permitted by law. Under the Fair Debt Collection Practices Act, specifically XXXX XXXX. XXXX ( XXXX ), a debt collector may not collect any amount, including interest or fees, unless the amount is expressly authorized by the agreement creating the debt or permitted by law. Texas law also prohibits the collection of unauthorized charges. Under Texas XXXX XXXX XXXX, a debt collector may not collect interest, fees, or expenses incidental to an obligation unless those amounts are expressly authorized by the underlying agreement. Additionally, because this debt allegedly arose from a residential lease, Texas landlord-tenant law requires the landlord to provide a written itemized accounting of deductions and charges after move-out. Under Texas XXXX XXXX XXXX, landlords must provide an itemized list of damages and charges associated with the tenants deposit. I have not been provided an itemized move-out statement, ledger of charges, or documentation explaining how the balance was calculated. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) and XXXX ), credit reporting agencies must ensure maximum possible accuracy and conduct a reasonable reinvestigation of disputed information. I am requesting verification of the original lease agreement, an itemized move-out ledger, documentation authorizing any added charges, and confirmation of the date of first delinquency. If the account can not be verified with proper documentation, it should be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I used the XXXX credit card to send a rent transaction for {$4300.00}. The check was never received, by the landlord so I had to cancel the check and pay them separately. XXXX paid the credit card balance, that resulted in a credit balance after the check was cancelled. In XXXX I called to cancel the credit card and request the credit balance be refunded back to me. The customer service representative at the time told me it would take XXXX business days to process. On XX/XX/XXXX I realized that I had received nothing from Wells Fargo, I called and told that my request was under review with the finance department due to the size of the transaction. I have called multiple times since with no progress in getting the refund.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts are in direct violation of : XXXX U.S.C. XXXX ( b ), consumer reporting agencies are required to maintain reasonable procedures to assure the maximum possible accuracy

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
We are trying to work on it. I sent in complaints and stops through the XXXX. And seeing what the mortgage can do. I had a guy call me saying he was from my mortgage company Rushmore Servicing. And his name was XXXX XXXX from loss mitigation and wanted to know if we would like to do a loan modification and would like to help use get a better mortgage rate and lower our payment. All I had to do is make a XXXX trial payment. And then it would be set. And he would call me with the confirmation number once he received the payment. But when he became pushy when I asked about my mortgage account being fixed and he told me to make another payment. I called the actual Rushmore to talk with someone other than him. And found out he wasnt a real rep for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I tried reaching out to Rocket Mortgage about an escrow check that I sent back for my escrow account because I switched companies. I called on XX/XX/year> beginning at XXXX p.m. to XXXX. The phone disconnects the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
An account was opened through Wells Fargo in my name on XX/XX/year>. I received an alert from my credit monitoring and closed the account on XX/XX/year>. I did not apply for or authorize the account to be opened in my name. I want it wiped from my credit report as it is hurting my score. I live in MA and the account was for an XXXX company in Minnesota. The line of credit was for {$1000.00}. No purchases were made before I closed the account. I tried to contact Wells Fargo Fraud reporting line and no one ever picks up the phone

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 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: TX

Complaint narrative:
We got a stupid loan out on our credit for {$1700.00}, we did not open this account. We tried to call the number on the loan, but it sends us to a line asking if we are over XXXX, if we press XXXX it sends us to an AI voice about life alert. If we press XXXX for not being over XXXX, it hangs up on us.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 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: NC

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 2026-03-12 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: OR

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: AL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation