vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Sunrise Credit Services , Inc . XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Cease and Desist / Demand for Removal of Inaccurate Credit Reporting To Whom It May Concern : I am formally disputing the validity and accuracy of the account ( s ) your company is reporting under my name to the consumer reporting agencies, including but not limited to Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I demand the following : 1. Cease all collection activity and communication regarding the alleged account ( s ), except as permitted by law. 2. Provide complete validation of the alleged debt, including : * Original signed agreement or contract * Full payment history * Proof of legal ownership/assignment of the account * Documentation showing your authority to collect XXXX. Immediately remove all inaccurate, unverifiable, misleading, or incomplete information being reported on my consumer credit files. If you can not provide competent evidence validating the alleged debt and your legal authority to report it, you must immediately delete the tradeline ( s ) from all consumer reporting agencies pursuant to : * FCRA 623 ( a ) ( 1 ) ( A ) Prohibition against reporting inaccurate information * FCRA 611 Requirement to investigate disputed information * FDCPA 809 ( b ) Validation of debts * 15 U.S.C. 1692e False or misleading representations Additionally, I request that you cease reporting these accounts while they remain disputed. Be advised that continued reporting of inaccurate or unverified information may constitute willful noncompliance under federal law. I reserve all rights to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), state attorney general, and pursue private civil remedies if necessary. This letter is not an acknowledgment of liability, nor is it permission to restart any statute of limitations. Please provide written confirmation within 30 days that : * The accounts have been deleted from all credit bureaus, or * You have provided complete validation as required by law.

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 2026-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally request assistance regarding an issue with my home equity loan payment that occurred today. Under the terms of my payment lock agreement, my monthly payment is supposed to be {$300.00}. However, today a payment of {$420.00} was withdrawn from my account instead. This unexpected amount caused my bank account to become overdrawn and has created financial hardship and concern. I attempted to resolve this matter through customer service on XXXX separate calls today. During the first call, I was disconnected/hung up on before the issue could be addressed. During the second call, the representative did not seem to understand my concern, and I was unable to obtain any meaningful assistance or explanation for the incorrect withdrawal. II would appreciate a prompt response and resolution. I can be reached at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 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: NJ

Complaint narrative:
I am filing this complaint because you failed to conduct a reasonable investigation regarding an explicit inaccuracy on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). I submitted a formal dispute regarding these accounts. The information reported is entirely inaccurate. The company continues to report the account, which is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
URGENT EMERGENCY : FORECLOSURE SALE DATE SET FOR XX/XX/XXXX IN XXXX XXXX filing this urgent complaint because Shellpoint Mortgage Servicing is engaging in illegal dual tracking under CFPB Regulation X ( 12 CFR 1024.41 ). I fell 5 months behind on my mortgage and submitted a loss mitigation package. The initial package was denied, but it was promptly escalated, and Shellpoint is currently conducting an active review of my loss mitigation appeal.Despite having an active, open appeal under review, Shellpoint has refused to pause the foreclosure process and has scheduled a foreclosure auction for XX/XX/XXXX. Under federal consumer protection laws, a servicer is strictly prohibited from conducting a foreclosure sale while a timely loss mitigation appeal is actively pending. Proceeding with this sale constitutes a direct violation of federal law. The agent said they have not generated a letter for the appeal.

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 2026-05-27 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: CA

Complaint narrative:
I am submitting this complaint because Equifax continues reporting an account on my credit report that does not belong to me. I previously disputed this account directly with the credit bureau and requested a proper investigation and verification of the information being reported. However, the inaccurate account remains on my report without sufficient proof that it was properly verified. The disputed account is listed below : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy and conduct a reasonable reinvestigation of disputed information. I requested verification of this account, including the method of verification used, but Equifax has continued reporting the account without providing adequate documentation proving that it belongs to me. Because this inaccurate account is negatively affecting my creditworthiness, financing opportunities, and overall financial standing, I am requesting CFPB assistance to ensure Equifax complies with federal law and removes any information that can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am filing a complaint regarding U.S. Banks failure to provide the credit card rewards and benefits associated with an eligible prepaid hotel stay purchase made through the U.S. Bank XXXX XXXX. On XX/XX/year>, I made a prepaid hotel stay purchase in the amount of {$400.00} through the U.S. Bank XXXX XXXX. Under the applicable Cardmember Service Agreement, this transaction should have qualified as an eligible hotel stay purchase for rewards and/or benefits. However, U.S. Bank failed to reward the transaction accordingly. Over the course of more than one month, I contacted Cardmember Services on three separate dates and participated in more than six conversations, spending multiple hours attempting to resolve the issue. During these interactions, I was repeatedly informed that U.S. Banks research team concluded the transaction was categorized as hotel WiFi rather than a hotel stay. This conclusion is incorrect. I possess documentation from both the U.S. Bank XXXX XXXX and the hotel property clearly showing that the charge was for a full-night prepaid hotel stay, not hotel WiFi or any incidental charge. Despite my repeated efforts, I was not provided a meaningful opportunity to submit this evidence to the research team for review. Additionally, during my interactions with customer service and travel center representatives, I experienced unprofessional treatment, including being mocked and having calls disconnected twice without any alternative resolution path being offered. Given that U.S. Bank owns and operates its XXXX XXXX platform, I believe the bank had full access to the underlying booking details and transaction records confirming the nature of this purchase. In my view, the continued refusal to properly classify this clearly eligible hotel stay transaction, despite available documentation and repeated notice, demonstrates bad faith handling of my account and an intentional denial of earned cardholder benefits. This conduct may constitutes fraudulent business practices. I believe U.S. Bank has failed to honor the benefits and rewards to which I am entitled under the terms of my credit card agreement. I respectfully request that U.S. Bank : 1. Conduct a proper review of the transaction using the supporting documentation available ; 2. Correctly classify the transaction as an eligible prepaid hotel stay purchase ; 3. Apply any rewards, credits, or benefits owed under the Cardmember Agreement ; and 4. Review the handling of my customer service interactions and complaint process.

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 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SinglePoint GI
State: IL

Complaint narrative:
XXXX is trying to collect an amount from me due to me unenrolling. I opted out of everything and was notified that there would be no payment for me to pay. Now I get a letter saying I owe {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I contacted Capital One regarding transactions on my credit card account that I believe were unauthorized or fraudulent. After reporting the issue, Capital One conducted an investigation and later sent me a letter dated XX/XX/year> stating they found no signs of fraud and would not make any adjustments to my account. This is my XXXX time reaching out and its been over a year. I do not agree with the results of the investigation and do not believe the matter was properly reviewed. I requested additional documentation and verification regarding how the investigation was conducted, including transaction details, merchant information, and evidence used to determine the charges were valid. At this time, I have not received sufficient documentation explaining the basis for Capital Ones determination. I am requesting a full reinvestigation of the disputed charges and copies of all records and evidence related to the investigation. I believe my rights under the Fair Credit Billing Act and applicable consumer protection laws may not have been fully honored. I am seeking assistance in obtaining proper verification, a fair review of the disputed charges, and correction of the account if unauthorized activity is confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I sent emails and physically sent letters. I have not received a response

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im not the one that made this puchases as my Dad was the one purchases using my cards and That time never pick any packages or purchases from XXXX and it was him trying to use my account to purchases my credit for his purchases Account ending in XXXXXXXX XXXX XXXXXX/XX/year> Claim number : XXXX Amount : {$550.00}

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 explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am filing a complaint regarding an unauthorized hard credit inquiry placed on my credit report by Freedom Mortgage in the middle of XXXX. The loan officer told me she could convert my existing VA mortgage into a conventional loan even though I have an active HELOC that was opened in XXXX. This is not possible under current lending guidelines. I relied on this incorrect information when she asked to run my credit. Because the loan officer misrepresented the loan product and eligibility, I did not give informed consent for a hard credit inquiry. The inquiry was obtained under false pretenses, and it caused an unnecessary drop in my credit score. I am requesting : Removal of the unauthorized hard inquiry from all three credit bureaus Confirmation that the lender has corrected their records Assurance that no further inquiries will be made without proper informed consent I have already contacted the lender directly and requested removal, but I am filing this complaint because the inquiry was based on misinformation and was not authorized with accurate disclosure. Thank you for your assistance. XXXX XXXX

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint against BMO regarding an unexplained restriction placed on my business bank account containing approximately {$100000.00}. On or around XX/XX/year>, my account was suddenly restricted after an attempted authorized flight purchase was declined. I also made an authorized {$540.00} XXXX transaction. All activity on this account is legitimate and authorized by me. When I contacted XXXX multiple times, I was only told that my account is restricted under investigation and that the review may take XXXX days. Representatives have refused to provide any explanation regarding the reason for the restriction, whether documentation is required from me, whether this is a fraud review or compliance review, or what steps I can take to resolve the matter.

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 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
XXXX airline is out of business and required me to get my full refund from Affirm company. XXXX car rental XXXX Overcharged me and won't give refund when vehicle was prepaid. Affirm which is issued by XXXX XXXX XXXX XXXX has not provided me the evidence from merchant and has not issued my XXXX airline refund. Affirm keeps closing my disputes after I've provided evidence showing I should get a refund. XXXX car rental was prepaid and was Overcharged. Full investigation on Affirm. Headquarters Affirm , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Complaint Description ( copy/paste ) LVNV Funding LLC is attempting to collect a debt from me without providing proper validation of the alleged debt. I requested debt validation, including proof of the original creditor, account history, and legal authority to collect, but I did not receive sufficient documentation. Despite my request for validation, LVNV has continued collection activity and/or reporting attempts. I also sent a written cease and desist request instructing them to stop contacting me until the debt is properly validated. This issue remains unresolved. I am disputing the debt because it has not been properly verified under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that LVNV Funding be required to : * Provide full debt validation with supporting documentation * Stop all collection activity until validation is provided * Ensure any credit reporting is accurate and verified * Comply with federal debt collection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: EGL US, LLC
State: SC

Complaint narrative:
I contacted bmg money to ask if I can have my loan deferred since I was going to be out of work for XXXX XXXX due to me getting XXXX. I was told by one of the reps that bmg money do not defer loan payments and that they will report it monthly as late and once I return back to work then I can start making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
I purchased XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX early XXXX because of gas point promotions. Basically one gets XXXX gas points of what amount spent buying XXXX XXXX these points then can be used to redeem for discount at participating XXXX stations. I got gas points but the XXXX cards ( each has {$500.00} on them ) were all locked up when I tried to use them. I contacted InComm financial services right away and they sent me XXXX replacements cards in the mail mid XXXX. However, all XXXX cards came in ONHOLD ( locked up ), the same way as the original purchased cards. I called customer services and they opened a case XXXX on XX/XX/XXXX for me and I was told to send in my driver 's license, front back of the cards as well as my purchase receipts which I did in XXXX. an XXXX XXXX XXXX have passed and so far the only email I got was ackowleged of receiving the email. I have repeatedly emailed XXXX to request and update ( the initial email response when I sent in the docs indicated they should have resolved the case in XXXX business days ) and I have called their customer services repeatedly and had been told to wait for XXXX for a reponse but still nothing came in my email or my voice mail or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
Account XXXX is currently an active dispute. The filing of this active dispute directly caused the hospital to send me the newly presented statements for XXXX accounts XXXX, XXXX, XXXX, and XXXX I received initial notices years ago, all billing activities ceased entirely thereafter, creating a reasonable, good-faith understanding that these XXXX balances were fully resolved or closed. These unvalidated accounts were suddenly sent to collections only after I pursued the active dispute on account XXXX, showing escalatory, retaliatory billing practices rather than standard compliance.These new statements do not resolve my original dispute. I am requesting all necessary information to perform a complete medical audit on the current dispute. No portion of these accounts is acknowledged as valid. I demand all collection activity remain paused until the hospital provides the requested audit documentation, including complete itemized billing, full medical records for the XXXX dates of service, and the official Financial Assistance Policy ( FAP ) guidelines for retroactive charity care review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have had several letters from US bank indicating someone has been trying to open an account under my name using my XXXX home address and personal email. US bank indicated they could not put any notes under my file but told me to go to check system and file an identity theft report, freeze my credit. This occurred in mid XXXX. Then literally on my birthday ( mid XXXX ) someone successfully opened a checking and savings. At no point did this bank ever make any attempts to verify if the information was accurate. They just send letters and emails about a new account. I immediately called to cancel it however Im still getting emails and just today got another letter for yet another attempt to open an account. They have my SSN on file and will not do anything to stop these fraudulent attempts and have no been helpful in deterring or having better security protocols to assist the people affected by theft. I am sick of receiving letters to which I have to mention my sister and mother also had attempts to open accounts with the same bank. I am tired of not having any closure or help from this bank that clearly does not protect not deter theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief