vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am submitting a complaint against several debt collection agencies for what appear to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the agencies failed to provide sufficient documentation to establish that I am legally responsible for these accounts. Specifically, they did not produce key records such as original agreements, proof of ownership, complete account histories, or evidence of their authority to collect. Despite this lack of verification, collection activities and credit reporting appear to have continued. This raises concerns about potential violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to properly validate debts and the use of misleading or unfair collection practices. It also raises concerns under the Fair Credit Reporting Act ( FCRA ), particularly with respect to the accuracy of reported information and the adequacy of any investigation into disputed accounts. Overall, the conduct described suggests that these agencies may be attempting to collect on unverified debts and may be reporting potentially inaccurate information, indicating possible broader noncompliance with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: NM

Complaint narrative:
I entered into a financing agreement with XXXX for orthodontic treatment, which included a full course of aligners and ongoing support until completion. Payments were made under the understanding that the full treatment would be provided. In 2023, XXXX filed for bankruptcy and ceased operations before my treatment was completed. As a result, I did not receive the full services I paid for and was unable to finish my treatment or receive proper follow-up care. Despite the service not being completed, my account was still reported as owing a balance and was placed into collections. This account has also been reported to my credit file, negatively impacting my credit. I have attempted to resolve this issue by disputing the debt through credit reporting channels and requesting clarification of the account. However, my disputes have been repeatedly rejected, and I have not received a resolution addressing the fact that the services were not completed due to the companys bankruptcy and closure. I am requesting removal of the outstanding balance, cessation of collection activity, and correction/removal of negative credit reporting related to this account, as the underlying service was never fully provided.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
YOUR COMPLAINT I was approved for the public public service loan. Forgiveness, my loan with with XXXX was payed in full on XX/XX/year> -- It was paid by XXXX XXXX loan service who took over the loan after I was told by XXXX that I should apply for a loan Consultation - Which I never had to do BECAUSE I ONLY HAVE ONE LOAN After I did everything I was told then the public service loan forgiveness came through. I don't know where the money is because I never received it in my. I still have a bill with XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bepensa Capital, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to request validation of the alleged debt you are reporting in the amount of {$30000.00} related to Account No. XXXX. I dispute the accuracy of this balance. The original creditors documentation reflects a deficiency balance of {$18000.00}, and I have not received any explanation or documentation supporting the increased amount. Please provide the following : A complete itemization of the debt, including principal, interest, fees, and any additional charges added after the vehicle sale. Documentation showing how the balance increased from {$18000.00} to {$30000.00}. A copy of the original contract or agreement authorizing any added interest or fees. Proof that your company has the legal right to collect this debt. A full payment history on the account. Until you provide this information, I dispute the validity and amount of this debt. Please note that I request all communication regarding this matter be in writing. I also want to state again that the XXXX amount does not match with the other reports of the charge off amount does not match the letter they uploaded Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My personal account at Bank of America was closed in 2023. For three years, I have been waiting for a check that never arrived. Exactly 30 days ago, I resumed my efforts to recover my money. I visited the bank branch several times and called the bank 's customer service center more than 10 times. I am frustrated, and the bank is putting up resistance regarding the return of my funds. I need my money immediately. I can no longer wait three yearsnor can I waste an entire month going to the branch and making calls, begging for my money.

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 2026-05-05 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: OH

Complaint narrative:
I am submitting this complaint regarding my rights under the Fair Debt Collection Practices Act ( FDCPA ). I requested verification of certain accounts that have been reported and/or collected ; however, I have never received proper validation from the creditors or collection agencies involved. Despite my request, no documentation has been provided to confirm that the debts are accurate, valid, or legally enforceable. This lack of response is concerning, as I am entitled to verification of any alleged debt. Without such verification, I dispute the validity of these accounts and request that they be investigated immediately. I am asking that the creditors and/or collection agencies provide full and proper validation of the accounts, including but not limited to : The original creditors name and address The amount of the alleged debt, including any fees or interest Documentation bearing my signature or proof that I am legally obligated to pay A full account history showing how the balance was calculated If they are unable to provide this information, I request that the accounts be removed from my record and that all collection activity cease. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I received a {$2000.00} line of credit they provided me the payment amount that will be taken out on my paydates. The interest is increasing everyday and payment are high each month

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/XXXX, I used Affirm to finance a {$1500.00} purchase from XXXX XXXX XXXX. The merchant stated the item would be delivered within 1112 weeks. That timeframe passed without delivery. In XXXX and XX/XX/XXXX, the merchant notified me of delays and pushed the delivery timeline to XX/XX/XXXX without my consent. On XX/XX/XXXX, I explicitly declined further delays and requested cancellation and a full refund. The merchant refused, citing a store policy that made-to-order items can not be canceled after 7 days. I attempted to open a dispute with Affirm, but their system blocked me due to a 120-day limit based on the purchase date. As a result, I am being required to continue making payments for a product I have not received. I am requesting that Affirm open a manual dispute for non-delivery, pause payments during the investigation, and reverse or refund the loan if the merchant can not provide proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: Resurgent Capital Services L.P.
State: MD

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 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I am submitting this complaint regarding ongoing issues with my mortgage servicer, Rocket Mortgage. I have attempted to resolve these matters directly with the company multiple times, but despite four separate requests, the issue remains unresolved and I have not received a firm commitment or clear timeline for correction. At the end o f XX/XX/XXXX, we received a new escrow analysis. We immediately noticed that the information listed was incorrect, so on XX/XX/XXXX we sent in the correct homeowners insurance documents. That same day, we received confirmation that the information had been received and that it would take 35 business days for the system to be updated. On XX/XX/XXXX, I checked our account and saw that nothing had been corrected. I reached out via online chat and was told the information was still processing and to check back at the end of the week. I followed up again on XX/XX/XXXX and was told a new request would be submitted and that it would take an additional 710 business days. Because this contradicted the earlier confirmation, I called customer service for clarification. The representative informed me that our updated insurance information had not been added to the account at all, despite the written confirmation we received on XX/XX/XXXX. I was told they would add it immediately and regenerate the escrow analysis. I also explained that I was concerned because our mortgage payment is due on the XXXX. The representative stated that we have until the XXXX before the payment is considered late. However, despite this, I am currently receiving repeated calls from Rocket Mortgage asking when the payment will be made, which feels unnecessary and harassing given the circumstances. I am extremely disappointed in how this has been handled. We acted promptly to provide accurate information to avoid exactly this type of issue, yet the delays and miscommunication have created avoidable stress and confusion. Additionally, I am concerned that our homeowners insurance does not go into effect until XX/XX/XXXX. Any changes to our escrow or mortgage payment should therefore not take effect until XX/XX/XXXX. Instead, the changes were applied to our account effective XX/XX/XXXX. This seems inappropriate and raises questions about the accuracy and integrity of the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a XXXX XXXX employed through XXXX and am continuously on the road for work. Capital One opened a XXXX XXXX credit card account in XX/XX/year> and requested verification of my address via a home utility bill. Due to my occupation as a traveling worker I do not maintain a traditional home utility bill. I contacted Capital One multiple times and offered several alternative forms of verification including bank statements, pay stubs, and insurance documentation. Capital One refused every alternative and insisted that only a home utility bill would be accepted. Because I was unable to provide this specific document due to my work situation I was left with no choice but to close the account myself. This policy is unreasonable and disproportionately impacts traveling workers and others whose occupations require them to be away from a permanent residence. The account had a {$10000.00} credit limit and the closure has negatively impacted my credit score through no fault of my own. I am requesting that Capital One reinstate my account with alternative verification accepted or remove all negative credit impacts associated with this closure. I am willing to provide any reasonable alternative documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX I requested a depreciation schedule for the old carpeting in unit XXXX. Instead the property referred my account to a collection agency. Text from XX/XX/XXXX email : It would appear you are charging for the full cost of new carpeting in unit XXXX, {$2800.00}, versus the depreciated value of the old carpeting in unit XXXX. I am formally disputing that charge as the carpeting was not new when we moved in, XX/XX/XXXX. It is my understanding per Texas law that : The landlord must account for the carpet 's age and remaining useful life. A tenant is only responsible for the depreciated value, not the full cost of a new carpet, especially if the carpet was already old when they moved in. Please provide me with a depreciation schedule for the carpeting in unit XXXX which shows the purchase date, installation date, cost basis as well as the monthly depreciation from XX/XX/XXXX through XX/XX/XXXX. I wrote the debt collector in XX/XX/XXXX to dispute the charge. Text from letter to debt collector : The landlord must account for the carpet 's age and remaining useful life. A tenant is only responsible for the depreciated value, not the full cost of a new carpet, especially if the carpet was already old when they moved in. Please provide me with a depreciation schedule for the carpeting in unit XXXX which shows the purchase date, installation date, cost basis as well as the monthly depreciation from XX/XX/XXXX through XX/XX/XXXX. The debt collector responded in XX/XX/XXXX by providing me a copy of the lease agreement ( which I already have ) and not the depreciation schedule showing the depreciated value of the old carpeting that the landlord replaced with new carpeting. It is my understanding per Texas law that : The landlord must account for the carpet 's age and remaining useful life. A tenant is only responsible for the depreciated value, not the full cost of a new carpet, especially if the carpet was already old when they moved in. The landlord is attempting to collect the full replacement cost of the carpeting minus {$850.00} in security deposits versus the depreciated value of the old carpeting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I made a payment of {$370.00} on XX/XX/year> and an additional payment of {$360.00} on XX/XX/year> to cover my XXXX monthly payment of {$730.00}, due on the XXXX of each month. My balance as of XX/XX/year> shows that I still owe {$300.00} for XXXX. I'm currently getting the run around or ignored altogether when reaching out to Westlake Financial Services. I've called collections and emailed. They requested proof of payment from my bank statement because XXXX of the transactions shows as voided on their end. I submitted screenshots of my bank statements and haven't heard anything back from either of the email addresses I emailed the proof to : XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
YOUR COMPLAINT I was approved for the XXXX XXXX XXXX loan. Forgiveness, my loan with with Mohela was payed in full on XX/XX/year> -- It was paid by XXXX XXXX XXXX XXXX who took over the loan after I was told by Mohela that I should apply for a loan Consultation - Which I never had to do BECAUSE I ONLY HAVE XXXX LOAN After I did everything I was told then the XXXX XXXX XXXX XXXX came through. I don't know where the money is because I never received it in my. I still have a bill with XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
CFPB Complaint ( or Bank Escalation Message ) Subject : Unauthorized Transaction Improper Denial Under Regulation E Complaint : I am disputing a {$600.00} debit card transaction listed as : Withdrawal Debit ACT XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>. {$600.00} While traveling in XXXX, I provided my debit card to an XXXX driver who represented that payment for a ride had to be processed that way. I authorized only a legitimate {$15.00} ride payment at that time. Three days later an unauthorized charge for {$600.00} appeared on my account that I assume was made by the XXXX driver who swiped my card, but I do not know for sure. This disputed {$600.00} charge was : made at a merchant where I have never done business ( not XXXX ), occurred on a different date, was for a different amount and purpose. I did not authorize this specific transaction. My bank denied my fraud claim on the basis that I authorized the transaction by handing my card to the XXXX driver. This is incorrect. Providing my card for one transaction by XXXX does not authorize separate, subsequent transactions by a different merchant ( not XXXX ) made for an unreasonably high amount. Under Electronic Fund Transfer Act ( Regulation E ), the relevant question is whether I authorized this specific transfer, which I did not. I am requesting : -A full re-investigation of this transaction as unauthorized -The written Regulation E denial rationale, including the evidence used to determine authorization -All available transaction details, including : Merchant ID and category code ( MCC ) Whether the transaction was card-present or card-not-present Whether a signature or PIN was used This charge is an unauthorized use of my card information after the initial interaction. I would appreciate assistance in correcting this error and reimbursing this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was charged a total of {$1300.00} in three transactions from my XXXX XXXX account to separate merchants whom I have never spoke with or sent any money too. All three transactions occurred on XX/XX/year>, on transaction being {$300.00}, another {$400.00}, then another {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Lease
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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am filing a complaint regarding an address error on my account and ongoing delays in receiving my vehicle title. Credit Acceptance sent title paperwork to an incorrect address months ago without notifying me, despite regularly verifying my address during calls. I only became aware of this issue after contacting them myself. On XXXX, a representative acknowledged the error and stated the process could be expedited. However, during follow-ups on XXXX XXXX XXXX, I was able to reach the title department directly and received inconsistent information. One representative didnt want to transfer me until I asked the second time, limiting my ability to resolve the issue. As a result, my vehicle has been sitting at a repair shop for months and is now at risk of being towed, causing additional financial harm. This situation stems from the companys error and lack of communication. Over the past XXXX years, I have faced account challenges partly due to medical issues related to my military service. I am seeking fair treatment and clear, consistent support. I am requesting : - Expedited processing of my title - Confirmation that my correct address is on file and documents are being sent - Consideration of fee relief or compensation due to the impact of this error I will continue making payments once I am assured the title process is being properly completed.

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 monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The first time I logged into access this card in XXXX, I was logged back out and my access was restricted with suspected fraud. I called, had the fraud alert removed numerous times, and then next time I logged in, my account was locked due to fraud. I have called XXXX times. On XX/XX/XXXX, I had a case opened up to look into this. Case was XXXX. I was told in XXXX days someone would call me. I called XX/XX/year>, and was told they were still looking into it. I called XX/XX/XXXX, and was told someone tried to reach out to me and the case was resolved. No one tried to reach out. Its still not resolved. I still cant get into my account. I spent an hour on the phone today being passed from XXXX department to the next, and no one can help. XXXX passes me to XXXX XXXX XXXX, XXXX passes me to XXXX, and around, and around it goes.

Company response to consumer: Closed with monetary relief