vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
I am filing a new complaint because LoanDepot has subjected me to months of severe emotional distress and deceptive financial practices. On XX/XX/XXXX, I spoke with a Loan Officer specifically for a VA IRRRL ( Interest Rate Reduction Refinance Loan ) quote only. I explicitly stated that I did not want to apply for a loan at that time.

1. Unauthorized Application vs. Disclosures : Despite my refusal, LoanDepot unilaterally initiated a formal mortgage application. In a letter dated XX/XX/XXXX ( attached ), they claim they were " required by law '' to send disclosures. This is a gross overreach. They did not just send the standard 3-page Loan Estimate ; they generated a Universal Residential Loan Application ( URLA ), assigned me a loan number, and issued a Loan Denial letter. A VA IRRRL is intended to be a simplified process, yet LoanDepot used it as a pretext to open a full loan file against my express instructions.

2. Deceptive Tactics : A LoanDepot employee explicitly told me they had performed a hard credit pull, which I have since confirmed was a false statement used to pressure me. Furthermore, LoanDepot informed the XXXX  that they " never filled out an application, '' They only sent me the required disclosures yet their own records show a loan number and a formal denial. These contradictions show a pattern of deceptive communication with both the consumer and regulators.

3. Ongoing Harassment : I issued a cease and desist, yet LoanDepot continued to contact me via personal email on XX/XX/XXXX. The stress of dealing with an unwanted loan denial for over two months has been " unreal. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.

Complaint narrative:
My SoFi Checking account was closed on XXXX XXXX, XXXX with an approximate balance of {$780.00} SoFi informed me that they would conduct an investigation and that if any issue was identified, I would receive an adverse action notice. If no issue was found, my remaining balance would be mailed to my U.S. address on file.

The stated investigation timeframe has passed. I have not received any adverse notice. I have not received my balance by check. I sent an email on XXXX XXXX, XXXX and a follow-up on XXXX XXXX, XXXX with no response. 
I am requesting immediate release of my remaining funds and a written explanation for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Figure Technologies, Inc
State: NC

Complaint narrative:
I have been told by XXXX XXXX ( Figure Lending LL ) that my mortgage would reamortize following a payment greater that 10 % of the outstanding loan. On XX/XX/2026, I made a {$50000.00} payment on the balance of approximately {$96000.00}. Since then, the next payment due, XX/XX/2026 has not changed from the original {$1200.00}. I have been told I will have information after XX/XX/XXXX, that the issue is being escalated to " specialists '', and lastly that there is a, " waiting period of 45 days after your prior line of credit with us is completed before you may apply again. '' The latter of which indicates their customer service personnel are either not reading the emails or XXXX is defaulting on their original claim that any payment of 10 % of the outstanding loan with reamortize.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this complaint regarding inaccurate and misleading credit reporting by Ally Financial concerning my auto loan account. 

After the vehicle was repossessed, it was later sold at auction in XX/XX/year> for approximately {$7000.00}. However, Ally Financial continues to report a balance of approximately {$14000.00} on my credit report. This amount does not appear to properly reflect the credit from the auction sale, applicable fees, or a lawful calculation of any remaining deficiency balance.

Because of these discrepancies, I believe Ally Financial is reporting inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( a ) Duty to provide accurate information 15 U.S.C. 1681s-2 ( b ) Duty to conduct a reasonable investigation upon dispute 15 U.S.C. 1681e ( b ) Requirement to ensure maximum possible accuracy 15 U.S.C. 1681i Obligation to properly reinvestigate disputed information I am requesting the following resolution : 1. A full accounting of the auction sale, including sale price, fees, and calculation of any remaining balance.

2. Written verification of the amount being reported to all credit reporting agencies.

3. Immediate correction or deletion of any information that can not be fully verified as accurate.

4. Removal of the tradeline from all credit bureaus if Ally Financial can not provide proper documentation supporting the reported balance.

I am requesting that that the Consumer Financial Protection Bureau review this matter and require Ally Financial to comply fully with federal consumer protection laws and ensure my credit file reflects accurate and lawful information.

I certify that the information provided in this complaint is true and correct to the best of my knowledge. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint regarding a {$30.00} returned payment fee charged by Synchrony Bank. The fee was issued on XX/XX/year>. I have been a Synchrony customer for approximately 14 years and currently hold six accounts, all in good standing, with no prior payment issues. 
The returned payment was caused by a processing error at my bank, XXXX XXXX, with whom I have maintained a 27-year relationship without prior issues. I contacted Synchrony customer service three times and escalated to a supervisor, who refused to waive the fee despite my long history and the fact that the error was not mine. I am requesting a one-time goodwill reversal of the returned payment fee. I believe this request is reasonable given my tenure, account history, and the circumstances of the error.

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 2026-02-17 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: Block, Inc.
State: LA

Complaint narrative:
Disputed a transaction XXXX XXXX on cash app at XXXX for XXXX Filed a dispute with cash app and never had the issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting an account originally associated with XXXX XXXXXXXX XXXX XXXX XXXX with a reported balance of {$520.00}, on my XXXX  and XXXX  consumer reports. 

This same account was present on my XXXX  report as of XX/XX/year> and was deleted between XX/XX/year> and XX/XX/year> during an active dispute period. However, LVNV continues to report and actively update the same account on XXXX and XXXX 

If the information is accurate and properly verified, XXXX must explain why it was deleted from one nationwide consumer reporting agency while continuing to certify the same data to others. 

To date : No meaningful Method of Verification has been provided.

Complete and transparent verification documentation has not been supplied. 
The account continues updating despite prior disputes and unresolved identity concerns across bureaus. 

As a Texas consumer, LVNV is subject to the Texas Finance Code. Under 392.202, a debt collector must investigate disputed information and correct any inaccuracies. The selective deletion from XXXX  while continuing to report to other agencies raises concerns regarding the adequacy and consistency of that investigation. 

Additionally, reporting information that can not be consistently substantiated across consumer reporting agencies may constitute a violation of Texas Finance Code 392.304 ( a ) ( 8 ) and 392.304 ( a ) ( 19 ), which prohibit misrepresenting the character or extent of a consumer debt and using deceptive means in connection with debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I was alerted by a different credit bureau that a derogatory mark for {$400.00} from XXXX. XXXX, XXXX had been placed on my credit file. Upon checking my Experian report, I confirmed the same mark was present. XXXX. XXXX, XXXX never mailed me a mandatory G notice, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( FCCPA ). By failing to send this notice, they denied me the legal right to address or dispute this debt before it was reported. Furthermore, under Fla. Stat. 559.72, it is a violation to attempt to enforce a debt when a collector knows the legal right to do so does not exist due to a lack of proper notice. 

On XX/XX/year>, I proactively emailed XXXX. XXXX, XXXX to resolve this and ensure my report was accurate. XXXX. XXXX, XXXX has completely ignored my communication. On XX/XX/year>, I filed a formal dispute with Experian detailing these violations. On XX/XX/year>, Experian sent a response acknowledging my documentation but claiming it was " insufficient '' to make a change. Today, XX/XX/year>, Experian sent a final response claiming the account was " verified. '' Experian failed to conduct a reasonable investigation by ignoring the evidence that the collector is non-responsive and failed to provide legal notice. Experian is now complicit in reporting inaccurate and unlawful information and must delete it immediately.

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 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prohealth Care, Inc
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX 
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding the above-referenced account.

You are instructed to stop all forms of contact, including but not limited to phone calls, letters, emails, text messages, or communication through third parties. You may only contact me to confirm that there will be no further communication or to notify me of specific legal remedies you intend to pursue, as permitted under federal law. 

Be advised that failure to comply with this request will constitute a violation of the Fair Debt Collection Practices Act, and I am prepared to pursue all available remedies under the law. 

This letter is not an acknowledgment of any debt, nor is it a refusal to pay. It is a formal request that you cease communication as provided by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I was approached in person by a solar sales representative who described the project as a government-sponsored or special program. I was told the installation would include a backup battery and would significantly reduce my electricity costs. These representations were made before I agreed to financing. 

Shortly afterward, a representative from the installation company visited my home and repeated similar representations regarding government affiliation, program structure, and battery inclusion. Based on these representations, I signed the financing agreement through GoodLeap in XX/XX/XXXX. 

The solar panels were installed, and the system received permission to operate ( XXXX ) on or about XX/XX/XXXX. However, the promised backup battery was never installed. When I followed up, I was told the battery was not included in the contract. I was later encouraged to enter into an additional agreement with another company ( Base ) in order to receive the battery that had previously been represented as included. 

From XX/XX/XXXX through XX/XX/XXXX, I repeatedly requested written clarification regarding whether this was truly a government-sponsored program and whether the battery was included. The installer refused to provide direct written answers and insisted that discussions occur in person. 

I submitted a formal written dispute to GoodLeap in XX/XX/XXXX, explaining that my concern was misrepresentation and inducement, not simply contract terms. GoodLeap responded that the battery was not included in the written agreement, directed me back to the installer, and stated that cancellation was not an option because the contract was signed. The complaint was then closed internally. 

I believe the loan was induced through materially misleading sales representations connected to the installers conduct. I am requesting regulatory review of GoodLeaps handling of this dispute and its continued enforcement of a loan agreement entered under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Debt was sold to third party illegally and debt is still being reported on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX Bank XXXX XXXX XXXX Acct XXXX XXXX or # XXXX In the Amount of {$710.00} This acct is on my credit report, with all 3 Credit Bureaus XXXX which I have no knowledge, stating that I Paid As Agreed, Never Been Late, I Demand The CFPB, XXXX  to seriously investigate this dispute with XXXX Bank & XXXX to the fullest, XXXX Bank has stated on my credit report with each credit bureau that I Paid As Agreed & Never Late, I demanded proof of authorization from any & each payment from any debit or credit card, money order that I made any payment and the date that I paid, because Sunrise will not prove by any means this is my account, I ever paid any amount nor was I ever late, because I have no knowledge of this account. 1. Under the FCRA, I demand a very serious investigation into this account from all 3 credit bureaus, especially XXXX Bank, this is a fraudulent item and I demand it be removed and deleted IMMEDIATELY from each credit bureau because it has serious damaged my credit score & my ability to gain credit. 2. I Request For Proof Of Authorization. 3. I Have Filed A Fraud Dispute Against XXXX Bank concerning this account. 4. I Demand Information Disclosure Section ( 609 ) 5. I Have Filed A Police Report And FIC Identity Report. XXXX Bank, you will not get away with using false information against me stating I owe you & have no knowledge of this account, also to the point, stating that I paid as agreed & never was late. I never paid you anything, because I have no knowledge of this account. CFPB, I SERIOUSLY REQUEST YOU TO LOOK INTO THIS SUNRISE BANK/ SUNRISE CREDIT SERVICE TO THE FULLEST & HOLD THEM ACCOUNTABLE FOR DISTURBING PPL LIVES & CAUSING ISSUES BY PLACING FRAUDULENT ACCOUNTS ON CONSUMERS CREDIT & HOLD XXXX  ACCOUNTABLE AS WELL THAT A FULL & SERIOUS INVESTIGATION BE DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute information that I believe to be incorrect or incomplete. It is your responsibility to conduct a reasonable investigation to determine if this information is accurate and correct or remove any information that can not be verified. Disputed Account Information : * Creditor/Collection Agency Name : LVNV FUNDING LLC * Account Number : XXXX XXXX  I am seeing conflicting information on my other credit reports This information is negatively affecting my credit report, and as per 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a full reinvestigation within 30 days and correct or delete any inaccurate or unverifiable information. Action Requested : * Please conduct a reinvestigation of the account information listed above. * If the information can not be verified as accurate, it must be corrected or removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I was alerted by a different credit bureau that a derogatory mark for {$400.00} from I.C. SYSTEM, INC. had been placed on my credit file. Upon checking my XXXX  report, I confirmed the same mark was present. I.C. SYSTEM, INC. never mailed me a mandatory G notice, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( FCCPA ). By failing to send this notice, they denied me the legal right to address or dispute this debt before it was reported. Furthermore, under Fla. Stat. 559.72, it is a violation to attempt to enforce a debt when a collector knows the legal right to do so does not exist due to a lack of proper notice. 

On XX/XX/year>, I proactively emailed I.C. SYSTEM, INC. to resolve this and ensure my report was accurate. I.C. SYSTEM, INC. has completely ignored my communication. On XX/XX/year>, I filed a formal dispute with XXXX detailing these violations. On XX/XX/year>, XXXX  sent a response acknowledging my documentation but claiming it was " insufficient '' to make a change. Today, XX/XX/year>, XXXX  sent a final response claiming the account was " verified. '' XXXX failed to conduct a reasonable investigation by ignoring the evidence that the collector is non-responsive and failed to provide legal notice. XXXX  is now complicit in reporting inaccurate and unlawful information and must delete it immediately.

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 2026-02-17 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I purchased event tickets totaling {$1300.00} using my American Express Delta XXXX XXXX for a XXXX XXXX XXXX yacht event scheduled for XX/XX/year>. 

The event promoter hosted two separate yacht events occurring simultaneously on the same date and time. Upon realizing the ticket purchased was for the incorrect yacht, I contacted the merchant on XX/XX/year>. During that call, I was advised to purchase the correct tickets and was told the original tickets would be refunded. Relying on that representation, I immediately purchased replacement tickets totaling {$1400.00}. 

The merchant later refused to issue a refund for the original {$1300.00} transaction and classified it as a no-show, despite it being impossible to attend two simultaneous events. 

I filed a dispute with American Express under services not rendered. The dispute was resolved in the merchants favor. I requested reconsideration ( Dispute References XXXX and XXXX ), but American Express maintained the denial , stating that written confirmation of a refund was required. 

My complaint is not based solely on a refund promise. The core issue is merchant misrepresentation and impossibility of performance. The original service could not be rendered because the merchant directed me to purchase alternate tickets for a concurrent event. Even absent a written refund confirmation, it is factually impossible for a consumer to attend two simultaneous events. 

I believe American Express improperly categorized and evaluated this dispute under a refund/no-show framework rather than under services not rendered or merchant misrepresentation. I am requesting regulatory review of American Expresss dispute handling and a reversal of the {$1300.00} charge.

Company response to consumer: Closed with explanation