vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
WORLD FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research WORLD FIN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: FL

Complaint narrative:
An account for {$380.00} with Vance and Huffman LLC is in collections, but I do not recognize or owe this debt. I am requesting verification and removal if it can not be verified as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding Rocket Mortgages handling of my FHA loan loss mitigation request following a documented government shutdownrelated hardship. 

Beginning XX/XX/year>, my household experienced a loss of income due to a government shutdown. I am a XXXX and did not receive any back pay once work resumed. Based on this hardship, my mortgage was approved for a XXXX-month forbearance. 

At the time the forbearance was approved, I was advised that once I resumed work I could apply to move the forborne payments to the back end of my loan through an FHA option such as a Partial Claim. When I received my first paycheck after returning to work, I made a full mortgage payment in good faith. That payment was applied to XXXX, leaving XXXX forward outstanding. 

Only after making this payment was I informed that, due to FHA requirements, I would need to be XXXX months delinquent in order to qualify for a Partial Claim. This requirement was never disclosed during the forbearance process. I later submitted an Application for Success, which was denied on the basis of no qualifying hardship, despite the delinquency being directly caused by the government shutdown and lack of back pay. 

During a subsequent conversation with a Rocket Mortgage representative, I was advised that I could skip my XXXX payment in order to reflect XXXX missed payments and then reapply for assistance. I am filing this complaint because I am attempting to avoid intentionally missing payments in order to qualify for assistance. I currently have the ability to resume my regular mortgage payments, but I am unable to cure the arrears created during the shutdown-related forbearance in a lump sum. 

My appeal of the denial was closed without addressing the conflicting guidance I received or the fact that my hardship, while temporary, resulted in lasting financial impact. Rocket Mortgage continues to characterize my situation as no current hardship, despite FHA loss mitigation guidelines allowing relief when a documented hardship caused delinquency and the borrower is able to resume payments. 

I am requesting that Rocket Mortgage : Reevaluate my eligibility for FHA loss mitigation options, including a Partial Claim Consider my hardship as a temporary event with lasting financial impact Address the conflicting and incomplete guidance provided regarding FHA eligibility requirements Provide a clear explanation of how FHA guidelines were applied in my case I am acting in good faith and seeking a resolution that allows me to maintain homeownership without intentionally becoming further delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority
State: DE

Complaint narrative:
I am filing this complaint against the Kentucky Higher Education Assistance Authority ( XXXX ), acting as a guaranty agency on behalf of the XXXX Department of Education. 

On XX/XX/year>, XXXX sent me a notice titled Intent to Offset, stating it intended to collect alleged defaulted student loans through the Treasury XXXX XXXX. The notice explicitly stated that an enclosed Notice XXXX XXXX Treasury XXXX would explain my rights, objection deadlines, and hearing procedures. 

No such enclosed notice was provided. 

On XX/XX/year>, I timely disputed the alleged debt in writing and requested full debt validation via XXXX Mail ( XXXX ). To date, XXXX has failed to provide any validation, including promissory notes, payment histories, or proof of enforceability. 

Despite this, XXXX subsequently re-sent the same Intent to Offset notice without correcting the defect, without providing the required Notice of Proposed Treasury Offset, and without responding to my validation request. 

XXXX  actions deprive me of due process and violate federal requirements governing Treasury XXXX, which require meaningful notice and an opportunity to contest the debt before offset occurs. Re-sending a defective notice does not cure this failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i had a credit card with XXXX  and got injured at my job and had to retire early. This company XXXX XXXX XXXX XXXX bought the account for pennies and came after me XXXX or XXXX years after the last payment in the credit card which was in XXXX i got XXXX letter from midland informing me they were going to sue me for the debt, than some guy came knocking on neighbors doors asking which house i lived in, not only did they embarrass me they violated my privacy. XXXX headquarters is in XXXX XXXX, Ca. This is my XXXX  XXXX  as they put in my XXXX  status as XXXX find the company. Please dont close my case. This company XXXX  have standing to sue. Please help me, im a XXXX XXXX XXXX woman that has gotten a XXXX  XXXX  due to the stress. Thank you. I would like the company prove ownership of this debt by providing : Forward Flow Agreement Chain Of Assignment Purchase Agreement Insurance Claim Of Debt Your Signature Agreeing To Pay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
b'In XXXX XXXX Penfed closed my and still charge debt protection fees.I sent several emails never received a response.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX and Comenity Capital Bank ( " Comenity '' ) carried out a scheme that I could finance my timeshare purchase down-payment with Comenity. The amount was : {$8300.00}. ( The down-payment was a principal of {$8200.00}, a {$25.00} XXXX  XXXX, and {$100.00} XXXX  fees. ) Aside from the salesperson lying to me about what I was buying from XXXX, during the signing process, I never actually personally applied for the XXXX credit card. Instead, I was automatically accepted. The card had a 0 % for XXXX  months provision. 

My complaints are XXXX XXXX follows : XXXX. I was never asked and never was disclosed whether and about my " ability to pay ''. 
XXXX. I never communicated with XXXX at all during the purchase process and never filled out an application. 
XXXX. The first time I got a statement from XXXX was after the rescission period with XXXX had ended. 
XXXX. It was not disclosed to me that interest was still accruing during the " 0 % for XXXX  months '' times period and would still be added to my balance at the end. 
XXXX. I wrote XXXX XXXX letters ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), to dispute the charges because I met the criteria to do so pursuant to their requirements : I was dissatisfied with my purchase, live XXXX miles or more from where I made the purchase, it is more than {$50.00}, and I had not fully paid for the purchase. I also informed them of XXXXXXXX XXXX lies. In response, they simply sent me a copy of the XXXX contract. 
XXXX. I recently ended up paying XXXX {$550000.00} to settle the debt right before they sent it to collections for the full amount borrowed plus 19.99 % interest monthly that has accrued by their calculations. I had to take out a loan with a lower interest rate to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Javitch, Block & Rathbone LLC
State: IN

Complaint narrative:
I received two summons about loans owed through a company but have proof all my loans were satisfied and my balance is {$0.00}. I have called and emailed numerous times as ordered by the judge to try and get the promissory note of the stated amounts owed and was only given the amount requested when I applied for a school loan which wasn't the amount the company is stating I owe. I was told my house was going to be taken if I didn't pay so I have been trying to call and get information to get this taken care of, but I now can't get a call back. I can't afford an attorney so I'm working hard to do this myself. I have called on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX as well as sending documentation to the company and sent follow ups to get information as ordered by the judge to no avail. I've called XXXX and XXXX which are numbers in the summons for the debt collector and ordered to call by the judge. I've also emailed XXXX without response as ordered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Wolf River Development Company
State: OH

Complaint narrative:
A payday lender ( XXXX  XXXX  ) is refusing to honor written ACH revocation and written authorization to communicate with a spouse. They are demanding phone calls instead of written compliance and are withholding the loan agreement and payment history. This is preventing us from stopping withdrawals from a closed joint bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
For ease of typing and submission of facts in a thorough and chronological way, I have prepared my complaint with supporting documentation, and am uploading it to this complaint. This is extremely time-sensitive and I need your help very quickly please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Richard H. Kream
State: MA

Complaint narrative:
Very aggressive, very dishonest very unethical very ridiculous trying to deal with them. Just looking up their complaints it obviously speaks volumes. They pulled fraud and open court and blatantly lied to me that they would accept a settlement offer. And also on top of it some of the mail correspondence they reversed the XXXX XXXX XXXX to XXXX XXXX XXXX when all the records clearly State XXXX XXXX XXXX. Malicious intent of miss addressing forms for me to miss a court date additionally and previously. Spoke with the XXXX XXXX in XXXX about this unethical XXXX XXXX and they said to reopen the case at the courthouse and contest it with their unprofessional unethical, criminal behavior, which dozens of complaints online verify thank you very much.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I attempted to withdraw {$200.00} from my account. The ATM returned my card, but no cash was dispensed while I was present at the machine. Despite this, the {$200.00} was still withdrawn from my account. I contacted Truist immediately and filed a report, but my claim was denied. 

To be clear : No money came out of the ATM The machine returned my card The funds were still deducted from my account ( withdrawn from my savings account, even though I attempted the withdrawal from checking ) I am requesting that this transaction be reinvestigated, including a review of the ATM cash balance and transaction logs for ATM XXXX on XX/XX/year>. The machine did not dispense the cash, and I should not be charged for funds I never received. 
This situation has caused me financial hardship, and I urgently need this issue corrected. Please provide a written explanation of the denial and reconsider my claim as soon as possible. 

Thank you for your time and attention. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I got called by my manager saying someone called my job saying they were a prosecutor and needed to speak to me around XXXX on Tuesday the XXXX and I didnt speak to them then they called my family trying to get ahold of me as well I finally got on the phone with them because they called my mom and she put me on three way call and they were saying a loan business was trying to sue me and they asked for my card information I did provide them with it but it was locked by bank at the time I did and they asked for my last for I gave it to them because I was convinced it was real then we called back phone was disconnected and calls went going thru .also I downloaded XXXX and a loan was pulled in my name from a different state of XXXX dollars I took screenshot to show the business name and when it was pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint against Affirm regarding Order # XXXX from XXXX. I returned the product, and the merchant ( XXXX ) confirmed receipt at their warehouse on XX/XX/year> Despite the return being completed, XXXX failed to notify Affirm to cancel the loan. When I contacted XXXX, they refused to assist, stating I should resolve it directly with Affirm. I have contacted Affirm multiple times via email and chat to dispute the charge, providing clear proof of the return, but Affirm has failed to place the loan on hold or process the refund. 
As a result, I was being billed for a product I no longer possess. Due to the lack of response and the imminent due date on XX/XX/XXXX, I had to take the drastic measure of blocking the payment through my bank to avoid further financial loss. This is a clear violation of the Fair Credit Billing Act regarding billing errors for returned goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/year>, my Chime account was hacked into by someone with the name of XXXX XXXX and chime tag of $ XXXX. This person accessed {$260.00} of my MyPay and sent themselves {$820.00} as well as a {$1.00} charge to XXXX and a charge to XXXX of {$130.00}. Chime Financial is saying no error occurred even following the police report control number given to them. I have reached back out to chime to formally dispute the no error judgement, and am now escalating further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: LA

Complaint narrative:
I am disputing the following charged-off accounts listed under my credit report : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$60.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TN

Complaint narrative:
My account was closed due to a false accusation of illegal gambling. I have never even bought a lottery ticket in my life because i dont believe in gambling. The questions they ask for the appeal process pretty much do not provide me any way to prove my innocence and they will not provide me with any information on what transaction led to this false accusation so that i can even figure out why it occurred. There is no way for me to prove my innocence which i should not have to do anyways and they have no or will provide no evidence to my guilt. The support team is rude and does nothing either and im not sure if they even have XXXX or i was just talking to ai. Some robot false flagged my account im assuming and there is no way for me to look into it or appeal it in any meaningful way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
XXXX XXXX  : - Loans forgiven officially with written notice XX/XX/XXXX. 

- I had a negative four figure balance on XX/XX/XXXX. 

- I contacted Mohela several times for an update about the refund ( between XX/XX/XXXX- XX/XX/XXXX ) and was told that the government ( Treasury ) will process and send my refund. 

- Its XX/XX/XXXX and Ive yet to receive a refund from Mohela or the government via direct deposit ( my form of auto payment ).

- FSA informed me today to contact Mohela again ; I did via complaint and now a formal complaint here.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: FL

Complaint narrative:
In XXXX of last year my daughter went to XXXX XXXX XXXX XXXX for a consultation on retainer. She paid up front for the consultation and used my name and XXXX  to apply for a loan to cover the retainer. The payments for the loan were to start when the retainer was delivered. She changed her mind the next day and cancelled the order. The retainer was never made or delivered, but my information was sent to Sunbit ( the loan provider ) and automatic payments were taken from her bank account. XXXX payments of {$190.00} were withdrawn before she realized and she blocked the card and requested her money be re-imbursed. Sunbit refused and said the XXXX office must send them a zero-balance invoice before the loan can be cancelled. Numerous calls have been made to the dentist with no resolution. In the meantime, my credit has been hit from XXXX to XXXX. The dentist agreed a mistake was made but that they do not have the power to correct it... They said it is Sunbit that should correct the error. In the meantime, I have been harassed daily with calls from Sunbit demanding payments for services that were never rendered. I wrote a demand letter to the XXXX XXXX which has gone unanswered.

Company response to consumer: Closed with explanation