vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
I was involved in a motor vehicle accident on XX/XX/year>. I immediately notified my insurer, XXXX XXXX. I paid my {$2000.00} deductible, and XXXX XXXX paid approximately {$23000.00} toward my vehicle loan held by XXXX XXXX. My XXXX insurance paid the remaining balance and has confirmed that the loan was fully satisfied. Despite confirmation from both XXXX XXXX and XXXX XXXX that the account was paid in full, XXXX XXXX failed to properly update the loan status and continued to reflect an alleged remaining balance of {$940.00}. This account was subsequently placed with North Star Collections, who has repeatedly attempted to collect this alleged debt. When I requested debt validation, representatives stated they were not required to provide validation because the balance was under {$2000.00}, which is incorrect under the Fair Debt Collection Practices Act. I have not been provided proper validation of this debt. In addition, this account has been reported to the credit bureaus as late or delinquent since 2023, despite the fact that the vehicle loan was satisfied through insurance ( XXXX XXXX ) and XXXX XXXX payments. These late payment marks are inaccurate and have been negatively impacting my credit for an extended period of time. I have repeatedly provided documentation from both insurers confirming the debt was paid. XXXX XXXX has also confirmed payment and stated they sent confirmation directly to XXXX XXXX and offered to assist in resolving the issue. Despite this, collection activity and inaccurate credit reporting have continued. I am requesting that : XXXX XXXX immediately correct the account to reflect a {$0.00} balance / paid in full status All late payment and delinquency reporting from XXXX to present be removed or corrected North Star Collections immediately cease all collection activity Any negative credit reporting related to this account be removed from XXXX, XXXX, and XXXX Written confirmation be provided that this matter is fully resolved This situation has caused ongoing financial harm, credit damage, and emotional distress due to prolonged inaccurate reporting and continued collection activity on a debt that has already been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: LA

Complaint narrative:
I am a resident of Louisiana and am filing this complaint regarding account # XXXX with Three Sticks Lending. First, on [ XX/XX/year> ], I formally revoked my ACH/Electronic Payment Authorization in writing. The company acknowledged and confirmed this revocation on [ XX/XX/year> ], which I have attached as evidence. Despite this, I am concerned about potential unauthorized draft attempts under different entity names, which would violate XXXX XXXX XXXX. Second, I am formally disputing the validity and enforceability of this debt. The interest rate on this loan exceeds 400 % XXXX, which is significantly higher than the 45 % per annum limit for Criminal XXXX in Louisiana under LA Rev Stat 14:511. Furthermore, under LA Rev Stat 9:3557, lenders must be licensed by the Louisiana Office of Financial Institutions ( OFI ) to conduct business in the state. I believe this loan is void and unenforceable due to these state law violations. I have requested that the company provide proof of their Louisiana lending license and a justification for their usurious interest rates, but have only received automated or non-substantive responses.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I found out in XXXX, XXXX that my home had been demolished. I asked the insurance company and the mortgage company to look into this because I did not receive any notice or court summons regarding the property. It took them until the end of XXXX, XXXX to notify me that the home had been demolished on XX/XX/XXXX. I had been continuing to make my mortgage payments, not knowing that the house no longer existed. I had previously asked the mortgage company to adjust the mortgage to land only because I am not going to continue to pay for a house that no longer exists. The mortgage company has failed to do anything that I have asked them to do. I live in Nevada but the property that was demolished was in Illinois. The XXXXXXXX XXXX XXXXXXXX apparently sent notice to the unoccupied property, believing that this was sufficient notice to me. However, the court and the City were aware that I lived in Nevada and they never contacted me either by mail, email, or phone. They had all of my contact information available to them. So I believe that I am owed back the market value of the home for an illegal demolition action by the city, I am owed back any overpayments that I made since XX/XX/XXXX for insurance, property taxes, and mortgage payments because the property is not worth the same amount since the City illegally demolished my home without notice. Now the morgage company is trying to foreclose on me because I refuse to pay for a house that isn't there any longer. I want the property to be reassessed and I want to be refunded for all of the money that I shouldn't have had to pay. I believe that I am owed back more than is owed on the mortgage. I believe that the mortgage company should take steps to have the property revalued and they should take steps to recover the mortgage value from the City, not from me.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
So I ended up getting a new bank account with a different bank. But XXXX still sent my check to my old USAA account. I asked USAA to move my check into my savings since I no longer have access to that checking account anymore. They told me XXXX has to request the refund but XXXX said USAA has to reject the paycheck. So USAA stop cooperating and giving me the run around

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
on XX/XX/year>, I received text messages asking if I made a purchase, I then received a telephone call that appeared to be the same telephone number that listed on the back of my bank card with XXXX. I answered thought it was my bank ; they proceeded to tell me that my account had experienced fraud, that to correct the issue I needed to move money over. I thought this was real since I was phoned from what was the bank phone number. Monies were transferred from cash app. I attempted to contact cash app several times, to dispute the transactions. They did not send findings of the dispute. I have never had any large sums of money sent utilizing cash app since opening the account. Cash app did not provide any safeguards to protect me or my account. Cash app has failed to provide me with their findings from the dispute. the amount of money that I was scam out of was 1 transaction for XXXX and a second transaction for XXXX. I have attempted to contact my bank they state that this matter is between cash app the third party and not the bank directly. I have also filed a police report and provided cash app with my call log and documents from the bank. I have not received a response back from cash app regarding their findings I have also requested information on where the funds went to be able to provide to local law enforcement and they have refused. Which I offered to provide them with the direct contact information for the local police here in my town. Not having these funds have been very difficult to navigate especially during this difficult time with the economy. I am seeking some help and answers to where these funds went and unfortunately have not been able to speak with someone directly, they only communicate via email and have not provided the information that I need to help law enforcement investigate this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On or around XX/XX/year>, I discovered a collection account reported by Radius Global Solutions on my credit report in the amount of {$360.00}. According to the report, the account was opened on XX/XX/year> and updated on XX/XX/year>. I was never contacted by Radius Global Solutions prior to this account being reported. I did not receive any written notice, phone call, or debt validation within five days of their initial communication, as required. I was not given any opportunity to dispute or verify this alleged debt before it was reported to the credit bureaus. This account appears to be related to an alleged XXXX XXXX XXXX debt. However, I have not received any documentation proving that I owe this debt, the accuracy of the amount, or that Radius Global Solutions has the legal authority to collect on it. Additionally, I have identified that this same alleged debt is being reported by another collection agency, resulting in duplicate reporting of the same account by multiple companies. This creates confusion and appears to be inaccurate and misleading. Reporting a debt without proper validation and allowing multiple collection agencies to report the same account is damaging to my credit and may be in violation of federal consumer protection laws. I am requesting that Radius Global Solutions, and any other reporting collection agency provide full validation of this alleged debt, including documentation from the original creditor, proof of assignment or ownership of the debt, and verification of the amount. If they can not provide this information, I request that the account be immediately removed from my credit report. I also request that any duplicate reporting of this alleged debt be corrected or removed to ensure accurate reporting. Finally, I request an investigation into the practices of these companies and correction of any inaccurate or unverifiable information on my credit file.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I ran a credit report on the XXXX app and there is a credit card showing now closed from BOA that is negatively affecting my credit. This is not my credit card and is fraud. The balance is showing over {$48000.00}.

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 non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
Never applied with them, guessing another company sold my info. They sent me texts saying I was approved for {$1000.00}, give them a call, so I did. As soon as they answer, first thing they say is can I have your full social to pull up your account. I thought it was weird, so I said Im not comfortable, then they follow up and say whats your email then? ( Why not lead with this? ) gave them my emails, they cant find anything, although they sent messages to me. Then they proceeded to ask for full social again, so I gave it to them ( stupid decision ). Then they pull up account, dont say anything about the approval or anything. They go straight into asking me employer info and banking info. Once I connected my bank, they said, we cant help you, and hung up. This seems like fraud and a scam to me. If you look at reviews, EVERY ONE OF THEM ARE 1 stars.

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 — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION
State: DE

Complaint narrative:
I received a call from a company called XXXX XXXX. They called me from XXXX. I spoke with a man named XXXX XXXX ; he told me the attorney XXXX XXXX will be filing a complaint in court against me to freeze my bank accounts, paycheck, and anything associated with my social security number. He said the client he was collecting for was a company called XXXX XXXX XXXX. I told him I have never had an account with XXXX XXXX XXXX, and I have been getting calls randomly over the last 15 years almost from different collection companies, at least once or twice a year ; and no one can send me any documentation about this alleged loan. He said the loan has a 15 year contract, and they will be filing a civil lawsuit. I told him to not call me and send me any documents via mail. He started to yell and I yelled back for him to not call me anymore ; I have never had a loan with XXXX XXXX XXXX. Then he called me back two more times from XXXX. I have now blocked both numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I received a rushed / overnight predatory loan from OneMain. I thought the interest was a lot lower than they stated but I was rushed to sign over the phone as they said the offer or loan would expire. I was told if I lost my job or got sick that their insurance policy would cover the remaining balance of my loan. I paid most of it off including the insane interest. But unfortunately I did get sick and lost my job. When I told them this and asked to see my policy documents they said they didnt exist that I could see my loan documents but there was a separate insurance policy ( even though I paid around XXXX XXXX for it ). They also never sent me my loan documents. I called, I emailed over ten times. I even called their corporate office to try to file my insurance claim and see my documents but again they said oh thats not how it works, that I wasnt covered and they didnt have a policy packet or the like to show me. Now they are suing me for almost double what I may have owed. : ( Furthermore, they never told me they were going to sue. I wasnt notified by anyone. The only way I found out was because advertisements from other lawyers started showing up in the mail. Dont trust them. One of the main reasons I got the loan was to build credit. The loan started in 2020, was almost paid off but when they renewed it and upsold the insurance they essentially started a new loan, and showed the old original loan as a charge off?! I paid on time for YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Dear XXXX XXXX Customer Service, I am writing to formally dispute the current status of my lease account and the associated charges. My vehicle lease ended in XX/XX/year>. I previously requested an extension, but was informed by your representatives numerous times that an extension required signatures from both parties on the lease. As the primary signer declined to sign, the extension was not authorized to my acknowledgment, and I returned the vehicle to the dealership during the first week of XX/XX/year>. Despite this, I was recently informed that my lease was extended to XX/XX/year> without my consent or the required signatures. I am currently being held responsible for payments through XXXX, even though the vehicle has been returned. I have already made the payment for XXXX as well as the vehicle return fee. Furthermore, I am requesting clarification on the following : - An unexplained balance of {$490.00} currently showing on my online account. - The disbursement details for a payment of {$1400.00} made on XX/XX/year>. I request that you review the recordings of my previous calls, which confirm that I was told the extension could not proceed without both signatures. Please correct my account status to reflect the return of the vehicle and provide a detailed ledger of all recent payments and outstanding balances. I look forward to your prompt response in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was involved in a motor vehicle accident on XX/XX/year>. I immediately notified my insurer, XXXX XXXX. I paid my {$2000.00} deductible, and XXXX XXXX paid approximately {$23000.00} toward my vehicle loan held by Ally Financial. My XXXX insurance paid the remaining balance and has confirmed that the loan was fully satisfied. Despite confirmation from both XXXX XXXX and XXXX XXXX that the account was paid in full, Ally Financial failed to properly update the loan status and continued to reflect an alleged remaining balance of {$940.00}. This account was subsequently placed with XXXX XXXX XXXX, who has repeatedly attempted to collect this alleged debt. When I requested debt validation, representatives stated they were not required to provide validation because the balance was under {$2000.00}, which is incorrect under the Fair Debt Collection Practices Act. I have not been provided proper validation of this debt. In addition, this account has been reported to the credit bureaus as late or delinquent since 2023, despite the fact that the vehicle loan was satisfied through insurance ( XXXX XXXX ) and XXXX insurance payments. These late payment marks are inaccurate and have been negatively impacting my credit for an extended period of time. I have repeatedly provided documentation from both insurers confirming the debt was paid. XXXX XXXX has also confirmed payment and stated they sent confirmation directly to Ally Financial and offered to assist in resolving the issue. Despite this, collection activity and inaccurate credit reporting have continued. I am requesting that : Ally Financial immediately correct the account to reflect a {$0.00} balance / paid in full status All late payment and delinquency reporting from 2023 to present be removed or corrected XXXX XXXX XXXX immediately cease all collection activity Any negative credit reporting related to this account be removed from XXXX XXXX and XXXX Written confirmation be provided that this matter is fully resolved This situation has caused ongoing financial harm, credit damage, and emotional distress due to prolonged inaccurate reporting and continued collection activity on a debt that has already been satisfied.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified debt reporting by Cavalry Portfolio Services , LLC. I submitted a written request for debt validation under the Fair Debt Collection Practices Act. In response, Cavalry Portfolio Services provided only a summary of alleged account activity from the original creditor. They did not provide documentation establishing their legal right to collect the debt, including but not limited to proof of assignment or transfer of ownership, nor did they provide sufficient documentation demonstrating that I am legally obligated for the alleged debt. Despite this lack of substantiating documentation, the company continues to report this account to the credit reporting agencies. A summary of account activity does not constitute adequate verification of the debt or proof of ownership. The company has failed to provide documentation demonstrating a complete chain of title from the original creditor to Cavalry Portfolio Services , LLC, or other competent evidence of their authority to collect. This matter involves potential violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act due to continued reporting of information that can not be adequately substantiated.

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: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
on XX/XX/26 chase had lowered out spending limits without notice on 2 of our credit cards card ending in XXXX was reduced by {$9300.00} and card ending in XXXX by {$10000.00} subsequently it took us from 50 % usage to 99 % usage which dropped our credit scores almost XXXX points. the bank said our scores are now too low for the house we were trying to purchase, we lost our loan we reached out to chase they said if we wish we can re apply for the limits to be returned after a hard inquiry on our credit would be performed and our scores would be high enough, they said they did a soft pull of our credit to make the decision to decrease. we have been financially damaged by this. we have been chase members for 26 years in good standings. they said we had high usage and low monthly payments and it was a concern. We are remodeling a house and the limits would be paid back to XXXX upon sale of home. their actions created artificial utilization, which is not the case

Company response to consumer: Closed with explanation