vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Issue : Incorrect mortgage credit reporting during lossmitigation review Company : Truist Bank Product : Mortgage Problem : Incorrect information on credit report Complaint Text : Truist instructed me not to make any mortgage payments during my postforbearance loan modification evaluation. I followed their instructions exactly. Despite this, Truist reported me as 30, 60, and 90days delinquent for XXXX, XXXX, and XX/XX/year>. This is inaccurate and violates federal mortgageservicing rules. Under the CARES Act and Regulation X ( 12 CFR 1024.35 ), a servicer may not report a borrower as delinquent for any month in which the borrower is in a forbearance plan or in a lossmitigation review and was instructed not to make payments. I am requesting that Truist : Correct all inaccurate credit reporting for XXXX, XXXX, and XX/XX/year> Provide written confirmation of the corrections Provide copies of all internal notes, call logs, and documentation showing the instructions given to me regarding payment suspension These late marks have caused significant harm to my credit and were the direct result of Truists instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Im filling this complaint on freedom mortgage because I applied for a home equity loan at around XXXX, I got told I was approved and I did all the extra stuff I had to do before the appraisal and after the appraisal that I had to pay for because I had to get a XXXX appraisal because the first one didnt pass for the lender, I was told that everything was good the closing date was set for XXXX, XXXX and on XXXX, XXXX I was called and told that I was not approved for the fha loan due to me missing a payment, I didnt realize I missed a payment because I was going through a lot in XXXX of XXXX but I never got called by freedom mortgage saying I had a missed payment in the year. But when they said I wasnt approved for the loan after Ive done everything to be approved they told me that by the guidelines for the fha loan I could not have a missed payment within XXXX months.. but if I missed a payment and behind one payment from XX/XX/XXXX till now shouldnt they have told me that and not approve me when I first applied? Its stressed me out and messed with my financial situation by paying for the fees and fixing the stuff before and after the appraisal. This put me in a financial situation that I would not have been in had I not been given a closing date of XX/XX/XXXX, leading me to believe that I would have the money on that date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
I used my card to make a purchase and immediately froze my card and confirmed it was frozen when the toggle turned green. When I checked my account after work I saw Chime unfroze my card. I reached out to them and explained I had my card frozen and my security was breeched. First they refunded the money then they charged me again. I reached out again and was told to contact the merchant. They did not honor their app having a breech. I then requested the technical log showing the exact timestamp and IP address of when the card was " unfrozen and recorded the call where I was told they could not provide this. I informed them they violated regulation E by refusing to refund me for the unauthorized transaction and breeches my security by unlocking my card without my permission. I let them know I will also be filing a complaint with the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Issue : Trouble using the card / account access I hold an Indigo credit card account ending in XXXX, issued by XXXX XXXX XXXX XXXX XXXX Concora Credit. On XX/XX/year>, I paid this account in full. My last statement balance was {$1500.00} and my payment was {$1500.00}, bringing my current balance to {$0.00}. Immediately after this payment posted, the issuer blocked me from making any purchases on the account and began displaying a negative available credit of - {$540.00}. There is no balance owed on this account the current balance is {$0.00} yet I am unable to use the card and my available credit is shown as a negative figure that does not correspond to any amount I owe. I have received no explanation for why my account access was restricted or why my available credit reflects a negative number when I owe nothing. The timing, immediately following my payment in full, indicates an improper payment hold rather than any legitimate credit decision. I am requesting that the issuer immediately : ( 1 ) remove the restriction blocking me from making purchases, ( 2 ) restore my full available credit, and ( 3 ) correct the inaccurate negative available-credit figure. I am also concerned that this inaccurate account information may be furnished to the credit bureaus inconsistent with my paid-in-full status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 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: CA

Complaint narrative:
I am submitting this complaint regarding a Wells Fargo credit card account that was opened in my name without my knowledge or authorization in XX/XX/year>. The account currently reflects approximately {$18000.00} in debt. I did not apply for this credit card, receive the card, use the card, or make any payments on the account. After discovering the account, I promptly reported it to Wells Fargo as identity theft and requested an investigation. Wells Fargo denied my claim and concluded that the account was authorized ; however, the bank has not provided the evidence or documentation it relied upon to reach that conclusion. My personal information, including my Social Security number and other identifying information, was compromised in a documented health insurance data breach. I provided this information to Wells Fargo during my dispute. I have now filed an FTC Identity Theft Report and a police report regarding this matter. The account continues to appear on my credit reports and is causing harm to my credit profile. I am requesting that Wells Fargo conduct a thorough reinvestigation, provide copies of the application and all records used to determine that the account was authorized, and correct any inaccurate credit reporting if the account was opened through identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Fraud report. Most likely a family member stole my identity using my SSC, or Birth certificate.

Company response to consumer: In progress
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
CFPB COMPLAINT # XXXX Destiny ( account ending XXXX ) Product : Credit card Issue : Trouble using the card / account access I hold a Destiny credit card account ending in XXXX, issued by Genesis FS Card Services / Concora Credit. On XX/XX/year>, I paid this account in full. My last statement balance was {$1200.00} and my payment was {$1200.00}, bringing my current balance to {$0.00}. Immediately after this payment posted, the issuer blocked me from making any purchases on the account and began displaying a negative available credit of - {$520.00}. There is no balance owed on this account the current balance is {$0.00} yet I am unable to use the card and my available credit is shown as a negative figure that does not correspond to any amount I owe. I have received no explanation for why my account access was restricted or why my available credit reflects a negative number when I owe nothing. The timing, immediately following my payment in full, indicates an improper payment hold rather than any legitimate credit decision. I am requesting that the issuer immediately : ( 1 ) remove the restriction blocking me from making purchases, ( 2 ) restore my full available credit, and ( 3 ) correct the inaccurate negative available-credit figure. I am also concerned that this inaccurate account information may be furnished to the credit bureaus inconsistent with my paid-in-full status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
The night of XX/XX/XXXX. I was trying to sell some clothing on XXXX ... I received an email from what I thought was XXXX that XXXX of my items had been sold. They needed to know my banking information to send me the money. I was asked my banking information so I provided. They proceeded to send me verification codes to links to receive my money or I thought .. {$650.00} was showing to be pending from them. I immediately called my bank and told them about this. She said she would watch out for it and was aware that i did not approve it and it was only pending. The bank did not even alert me that a suspicious charge was happening like they always do. I have started a claim 2 times and have been declined. My money was charged to XXXX?? I really am upset

Company response to consumer: In progress
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: MO

Complaint narrative:
To Whom It May Concern, I am writing regarding a collection account being reported on my credit file related to an insurance balance originally owed to XXXX XXXX and now reportedly assigned to Receivables Management Services in the amount of {$170.00}. This account is being reported as an open collection. I am requesting a full review and investigation of this item, as I do not believe the current reporting is accurate or properly updated. I request that you provide validation of this debt, including documentation showing the original insurance balance, a complete account history, and proof of assignment to your agency. Additionally, I request clarification of why this account is being reported as open if it reflects an old insurance balance. Given the small balance involved and the circumstances surrounding this account, I respectfully request that you consider removing this collection from my credit reports as a goodwill adjustment. If removal is not possible, I ask that the account be updated immediately to reflect accurate status information. Please provide written confirmation of your findings and any updates made to my credit file. Thank you for your time and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: IL

Complaint narrative:
Debt collection company : LJ Ross Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Address : L J ROSS ASSOC XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Repeat calls, emails & texts If a consumer notifies a debt collector that the consumer refuse to pay a debt the debt collector must cease all communication.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: HI

Complaint narrative:
I am filing a formal complaint against Prince Parker & Associates for attempting to collect an invalid, fraudulent debt on behalf of XXXX XXXX XXXX ( Account # XXXX and # XXXX ) .This debt is entirely the result of a severe billing and warehouse tracking error by XXXX XXXX XXXX . In XX/XX/XXXX, I rescinded an upgrade contract within 1 hour of placement. Two XXXX XXXX XXXX devices were returned to XXXX XXXX XXXX unopenedone via delivery refusal and the second via XXXX XXXX XXXX prepaid XXXX shipping label XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX Loyalty Department sent me written confirmation via email stating : " We have verified that the XXXX XXXX XXXX XXXX have been returned and received in the warehouse. We have cancelled the contracts on the lines ... and applied an adjustment. " Despite their written admission of a XXXX balance, XXXX XXXX XXXX engaged in a pattern of unauthorized electronic fund transfers on my XXXX XXXX XXXX card for {$1700.00} ( XX/XX/XXXX ), {$1700.00} ( XX/XX/XXXX ), and {$100.00} ( XXXX XXXX, XXXX ). Following a federal Regulation Z chargeback investigation, XXXX XXXX XXXX rightfully sustained all three disputes in my favor based on the clear return evidence. XXXX XXXX XXXX then wrongfully referred this legally reversed, XXXX-balance account to Prince Parker & Associates . This agency began harassing me via phone and texts on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This referral constitutes a knowing and willful violation of the FDCPA and FCRA. On XX/XX/XXXX, XXXX XXXX XXXX store employee XXXX in XXXX, HI, personally witnessed the Loyalty Department answer and drop our call, proving systemic communication failure on XXXX XXXX XXXX 's part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting that is currently appearing on my credit report. After carefully reviewing my credit file, I noticed that certain accounts are being reported with late payment remarks that do not accurately reflect my payment history. These negative remarks are damaging my credit profile and should not be associated with these accounts.

Company response to consumer: In progress
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am a victim of a documented criminal fraud in XXXX, Texas. I filed a report with the XXXX Police Department ( XXXX Police case # XXXX ). On XX/XX/XXXX, a scammer coerced me into sending two XXXX payments of {$500.00} each and withdrawing {$980.00} from a Wells Fargo ATM. These three transactions, totaling {$1900.00}, are part of the same incident. In XX/XX/XXXX, I filed disputes for the two XXXX payments with claim numbers of XXXX and XXXX. Wells Fargo closed both claims, stating the payments were processed as requested ( see attached letters ). I did not file a dispute for the ATM withdrawal at the time because I believed I had no recourse. After obtaining an official police report on XX/XX/XXXX, I visited a Wells Fargo branch in XXXX, XXXX, and provided the report as new evidence. I requested that the bank reopen the XXXX claims and open a new dispute for the ATM withdrawal. The branch banker called the fraud department, but the representative refused to take any action, stating I had willingly made the transactions. Under Regulation E of the Electronic Fund Transfer Act ( EFTA ), a transfer induced by fraud or deception is considered an unauthorized electronic fund transfer, triggering the bank 's duty to investigate. Wells Fargo 's refusal to review my case with the police report is a violation of federal law. The CFPB has previously sued Wells Fargo for failing to protect consumers on the XXXX network. I am asking the CFPB to compel Wells Fargo to conduct a proper fraud investigation and reimburse me for my total loss of {$1900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I am experiencing ongoing and severe mismanagement of my mortgage escrow account by Dovenmuehle Mortgage , Inc. ( loan originated/purchased in XX/XX/XXXX ). Key Issues : -Repeated Insurance Payment Errors : Dovenmuehle sent my homeowners insurance renewal check to the wrong insurance company, which cashed it. They then sent a second check to the same incorrect company. I had to pay out-of-pocket to keep my policy active. A third check was sent to the correct company but was placed on hold and bounced. I am still awaiting resolution on a fourth check. These errors have jeopardized my continuous insurance coverage. -Failure to Provide Requested Documents : Over a month ago ( approximately XX/XX/XXXX ), I requested complete escrow account disclosures and transaction history ( from purchase in XX/XX/XXXX to present ). I was told 710 business days. I have received nothing. I also requested a re-run of my escrow analysis ( promised in 35 business days ) and have still not received it. -Unexplained Large Refund and Negative Balance : I received an unexplained escrow refund check for {$4400.00} with no accounting or explanation of the overage. My escrow account is now showing a negative balance of - {$2600.00}. It appears that at least one refunded insurance payment was incorrectly applied to principal instead of being returned to the escrow account. These repeated servicing errors have caused me financial harm ( out-of-pocket insurance payments ), created a negative escrow balance, and put my homeowners insurance at risk. I am also sending a Qualified Written Request via certified mail on XX/XX/XXXX demanding the full records and corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Skrill USA, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Paysafe Payment Processing and their appointed debt collection agency, XXXX XXXX XXXX, regarding an unauthorized charge and improper collection practices. -- - COMPLAINANT INFORMATION -- - Name : XXXX XXXX Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX -- - PARTIES COMPLAINED ABOUT -- - 1. Paysafe Payment Processing Account : XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX / XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX -- - DESCRIPTION OF COMPLAINT -- - Paysafe Payment Processing charged my business account {$280.00}, which is not included in or authorized by my signed service agreement. This charge was applied outside the agreed-upon fee schedule without my knowledge or consent. After discovering the unauthorized charge, I attempted to resolve this matter directly with Paysafe on multiple occasions. I also filed a complaint with the appropriate state authority. Despite these efforts, I received no response or resolution. Paysafe subsequently referred this disputed amount to XXXX XXXX XXXX for collection. In their collection letter dated XX/XX/year>, XXXX XXXX XXXX explicitly threatened to report this debt to personal credit bureaus ( XXXX XXXX XXXX ) as well as commercial credit bureaus ( XXXX XXXX XXXX ), despite the fact that this debt is formally disputed. I have since sent a formal written debt dispute and validation request to XXXX XXXX XXXX via certified mail on XX/XX/year>, demanding that collection activity cease and that no credit reporting occur while the dispute is pending. -- - RELIEF REQUESTED -- - 1. Investigation into the unauthorized charge by Paysafe Payment Processing. 2. Confirmation that XXXX XXXX XXXX is prohibited from reporting this disputed debt to any credit bureau pending resolution. 3. Appropriate enforcement action if violations of federal debt collection or consumer protection laws are found. I am retaining all documentation including the original service agreement, account statements, the collection letter, and certified mail receipts, and can provide these upon request. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation