vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint due to the significant emotional distress and harm I have suffered as a result of the actions of this debt collector. I have experienced loss of sleep, ongoing stress, and humiliation after being denied housing based on information that I firmly believe should not appear on my consumer report. This has adversely impacted my ability to secure safe and stable housing for myself and my family. The debt collector has engaged in conduct that appears to violate the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they reported and attempted to collect on an account for which I never provided consent, nor did I enter into any contractual agreement. A valid and enforceable contract requires mutual assent between both parties, which is absent in this case. Furthermore, the collector failed to comply with the required debt validation procedures. They did not properly validate the alleged debt in accordance with federal law before furnishing or continuing to report this account. This failure constitutes a violation of my rights under the FDCPA. As a result of these actions, my consumer rights have been violated, and I have suffered measurable harm. Pursuant to the FDCPA and other applicable consumer protection laws, I assert my right to dispute this account and seek appropriate remedies. I respectfully request the following : 1. Immediate deletion of this account from all consumer reporting agencies 2. Written confirmation that the account has been removed 3. A full investigation into the debt collectors practices for potential violations 4. Any additional relief or compensation deemed appropriate under applicable law Please be advised that, if this matter is not resolved promptly and in accordance with applicable federal laws, I am currently preparing to pursue civil litigation to enforce my rights and seek damages for the harm caused. I appreciate your prompt attention to this matter and expect a timely resolution in accordance with federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I have never had a XXXX account I have been a XXXX XXXX 's account holder for over XXXX years XXXX never used or ordered this and it is impacting my mortgage lending I have been trying XXXX obtain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: AR

Complaint narrative:
Not removing account when I reached out several times

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding unauthorized credit inquiries made by Ally Financial. I contacted Ally Financial to request removal of hard inquiries that appear on my credit report. In response, Ally stated that these inquiries were initiated by third-party dealerships, including XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who allegedly submitted credit applications on my behalf. However, Ally Financial has failed to provide any documentation demonstrating that I personally authorized these inquiries. They did not provide a signed credit application, consent form, or any evidence showing that I gave permission for my credit report to be accessed. Simply stating that a dealership submitted an application is not sufficient proof of permissible purpose under the Fair Credit Reporting Act. The responsibility remains with Ally Financial to ensure that any access to my credit report is properly authorized. Additionally, I did not directly authorize Ally Financial to access my credit report, and no documentation has been provided to support that I knowingly applied for credit through them. Despite my request, Ally Financial has continued to rely on information provided by third parties without verifying that proper authorization exists. This raises serious concerns about the improper use of my credit report. These unauthorized inquiries are negatively impacting my credit profile. I am requesting that Ally Financial provide proof of authorization for each inquiry, including signed documentation. If they are unable to provide such proof, I request that the inquiries be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a formal complaint regarding unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not authorize these inquiries and no permissible purpose exists. Under FCRA, you are required to provide documented proof of authorization. If you can not, you must delete them immediately. Continued reporting of unauthorized inquiries is a clear violation of federal law. I demand immediate removal and a full investigation. Failure to comply will result in escalation and legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: CT

Complaint narrative:
Consumer Financial Protection Bureau XXXX : Formal Complaint Against United Wholesale Mortgage I am submitting this formal complaint against United Wholesale Mortgage regarding my mortgage loan and the lack of proof of fund disbursement. I executed a promissory note in connection with my mortgage loan ; however, I have never received any direct evidence that the loan proceeds were disbursed to me or on my behalf. Specifically, I have not received proof in the form of a canceled check, wire transfer confirmation, or any bank transaction showing the actual movement of funds. I have made multiple good-faith efforts to resolve this matter. On XXXX separate occasions, I sent written requests to United Wholesale Mortgage asking for verification and documentation of the alleged fund disbursement. Each time, instead of providing the requested proof, I was redirected to a third party, and my requests went unanswered. My intent has been to resolve this matter in good faith, yet I have not received transparency or cooperation. This raises serious concerns regarding : - Whether the loan was properly funded - Whether proper accounting and disclosure practices were followed - Whether my rights as a consumer have been violated I respectfully request that the CFPB investigate this matter and require United Wholesale Mortgage to provide full documentation of the alleged loan funding, including clear evidence of disbursement and accounting of the transaction. I am seeking a fair resolution and full transparency regarding this account. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year>, I was contacted through XXXX and recruited to join a business program called XXXX XXXX XXXX XXXX XXXX. I was instructed to take out an Affirm installment loan of {$2400.00} classified as general merchandise. After completing the loan I discovered this was a scam. I called Affirm the same day while the loan was still in processing status with {$0.00} paid and {$0.00} disbursed to the merchant. Affirm refused to cancel the loan, open a dispute, or take any action to protect me as a fraud victim despite the loan not yet being fulfilled. I am requesting the CFPB investigate XXXX refusal to assist a consumer who reported fraud on the same day the loan was issued while it was still processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/year> XXXX. Called Wells Fargo bank to hear balances on checking account XXXX went silent. Then said well have you speak to a Wells Fargo Bank XXXX. He stated he didnt know why checking account XXXX wasnt allowing balance check or why it wouldnt allow savings to checking transfer either. He didnt disclose reason for silence about account or when I could call and do balance / transfer services again I asked why only an employee was authorized to do account to account money transfers. He said he didnt know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
So basically Ive been with capitol one for about XXXX years. XXXX off what XXXX about XXXX say is something I found out yesterday XX/XX/year>, XXXX never had no clue until that day. So tried finance something yesterday XXXX got a call back from the finance place saying that I owed capitol one bank. I asked her what do I owe them, and she said XXXX XXXX I was so confused because I didnt have no clue of how I even owed them anything. After that I called capitol one XXXX ask them about it XXXX they told me that some XXXX had literally made a account with my information, XXXX was able XXXX get a credit card in my name XXXX was approved for it. They told me that whoever it was got my birthday wrong also but some how they still ended up letting someone get inside my account with notifying me at all about anything. No XXXX, no phone calls, no anything. I find that very unprofessional XXXX scary!!! They said they will send it over XXXX the XXXX but I just dont understand how they can let someone get into my account XXXX get a credit card XXXX spend the money off it. Also they gave a Number of the person who done this but that number is certainly out of service. My credit is really low XXXX Ive thing XXXX figure out how? And now I see how, this had messed up a lot of things for me because I couldnt get approve for any loans when needed also. Please help with this thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I am filing this complaint against XXXX XXXX ( XXXX ) for a violation of federal mortgage servicing rules ( Regulation X / RESPA ) and unfair fee practices during a chaotic loan transfer. XXXX. RESPA Timeline Violation : On XX/XX/year>, I sent a formal Notice of Error to XXXX regarding a {$20.00} NSF fee. Under XXXX CFR XXXX ( d ), a servicer MUST acknowledge receipt of a notice of error within XXXX business days. XXXX did not respond until XX/XX/year> ( XXXX days later ). This is a clear-cut violation of federal law. XXXX. Good Faith Effort to Pay : During the transfer from XXXX Bank ( which closed its mortgage division ), I spent XXXX hours calling XXXX, XXXX XXXX, and XXXX to ensure my payment was made correctly. I was repeatedly hung up on by XXXX and XXXX XXXX because their mortgage branches had closed, and XXXX had no record of my loan. XXXX. Unauthorized Fee : Despite my exhaustive efforts to pay correctly, XXXX attempted a draft from an old XXXX XXXX XXXX accountdata they pulled from the previous servicer without verifying if the account was still active. They then assessed a {$20.00} " bad check '' fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, XXXX reported tXXXX XXXX a pre-dated collections account that states it was originally reported in XXXX. XXXX has received my FTC identity theft report and has disregarded my request to have this account removed from my credit reports. Instead, they continue to report under different variations of their business name, yet provide no account documentation when requested. They forward you directly to XXXX to handle identity theft. This reporting of the alleged account of mine to the credit bureaus without validation of the debt or acknowledge of my identity theft claim, is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX for an outstanding balance owed in the amount of {$1900.00} to the forwarding address provided. I had until XX/XX/year> to write to them to dispute this debt. I sent a certified letter on XX/XX/year> which was confirmed received on XX/XX/year> requesting a complete itemized statement of charges, documentation showing timely and proper notice was sent and received in accordance to the Florida law, and proof of the landlords legal right to collect the alleged balance. I never received any response and they continue to put the debt on my credit report. I attempted to call them on multiple occasions where they told me that they did not have to provide me with that information. I had no problem receiving the initial collection notice and they stated they replied but I never received any documents of such reply to my letter sent on XX/XX/year>. I requested the supposed letter to be resent and I still have not received any communication from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank , N.A . concerning the freezing of my business checking account and the holding of my merchant funds without clear explanation. I operate a legitimate clothing business called XXXX XXXX XXXX. My business consists of in-person retail sales only. All customer transactions are conducted face-to-face using card-present methods ( tap or swipe ). I do not process online payments, do not manually key in card numbers, and do not ship merchandise. Over a period of approximately XXXX days, I experienced an increase in sales activity totaling approximately {$3800.00} in merchant transactions. Following this activity, my merchant funds were placed on hold by Chase. Shortly after, my business checking account, which contains approximately {$4300.00}, was also frozen or restricted. I have contacted Chase Bank multiple times to seek clarification. However, I have not been provided with a clear or specific reason for the account restrictions. I have also not been informed of what documentation or actions are required from me to resolve the issue and regain access to my funds. The lack of transparency and inability to access my business funds is negatively impacting my ability to operate my business and meet financial obligations. I am concerned that I am being denied access to legitimately earned funds without sufficient explanation. I respectfully request that JPMorgan Chase Bank , N.A . provide : XXXX. A clear written explanation of why my business checking account and merchant funds were restricted or frozen. XXXX. Specific steps or documentation required from me to resolve this matter. XXXX. XXXX review and release of any funds that are not subject to lawful restriction. XXXX. If the bank chooses to close my accounts, prompt return of my remaining funds via official check. I am willing to cooperate fully and provide any necessary documentation to verify my business activities. I simply request transparency, timely communication, and access to my funds. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have sent Ceast and desist letter to them and they are continuing to harass me consistently, I have the call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: TN

Complaint narrative:
On XX/XX/XXXX, someone appeared at my friend 's home to serve me papers for a lawsuit on a debt.I do not live there and this is a elderly lady who was visibly upset at someone showing up to her home. I do not reside there.I sometimes check on her but I do not live there so I have not seen the paperwork.She just read some of the things to me as i'm in another city.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a complaint against U.S. Bank regarding serious negligence, unauthorized access, and failure to follow trust-related instructions concerning my safe deposit box. At the XXXX branch, my safe deposit box was broken and unusable for several months. Despite repeated requests, the bank failed to repair it and management continuously provided excuses without resolving the issue. Due to these concerns, I transferred my safe deposit box to the XXXX XXXX branch in XX/XX/XXXX. At the time of transfer, I clearly instructed the bank that my safe deposit box was under my living trust and that access restrictions must remain the same. Specifically, my son was not authorized to access the safe deposit box without me present. On XX/XX/XXXX, access was granted to my safe deposit box based on a signature that does not match my authorized signature on file. This should have been detected and prevented by the bank. I recently discovered that the contents of my safe deposit box, including gold and cash, are missing. The bank claims access was authorized ; however, I strongly dispute this and believe the bank failed to properly verify identity and signature. This demonstrates serious failures, including : Failure to repair and maintain a secure safe deposit box at the XXXX branch Failure to properly transfer and honor trust-based access restrictions Unauthorized access granted on XX/XX/XXXX Signature mismatch that was not properly verified Failure to safeguard highly valuable personal property Delay in providing surveillance footage to law enforcement This situation has caused significant financial loss and emotional distress. Law enforcement is involved, and police are currently waiting for the bank to release surveillance footage. I request the following : XXXX. XXXX investigation into both branches negligence XXXX. XXXX release of all surveillance footage and access logs related to XX/XX/XXXX XXXX. Full explanation of how access was granted despite signature mismatch and trust restrictions XXXX. Compensation for my losses U.S. Bank failed to follow basic security procedures and ignored explicit trust instructions, resulting in unauthorized access and loss of valuable property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mark A. Kirkorsky, PC
State: AZ

Complaint narrative:
Collector has emailed employees of my company and contacted family members in an effort to embarrass and harass me under the guide of attempting to locate me when they already have that information and have contacted me using normal methods.

Company response to consumer: Closed with explanation