vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Data and Contact Management Solutions, LLC
State: MI

Complaint narrative:
This company sent a letter through the mail claiming that I had died and requesting the person at the address it was sent to, to contact them. The letter claims that they are trying to find " the person who is authorized to act on behalf of my estate ''. When the number was called, they requested a social security number which was not provided to them, as according to them, I am dead. Contacting relatives as a debt collector while lying and stating that I am deceased is an illegal tactic. I want this company fully investigated and would like to sue them for illegal debt practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCE BANK
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX made false statements to a government entity, specifically the CFPB when they made false statements saying that they have never contacted me up until recent, which would mean XXXX. The truth is they have been contacting me against my request since as early as XXXX. On each occasion, there are told not to contact me for any reason at all this includes all accounts any any issues XXXX they foolishly rushed to court against me before they verified that an account was mine. It was under Commerce Bank. I do not have an account with this bank and they quickly agreed to that fact, and with through the case, however it still remains on the public court system the public court system is called XXXX XXXX, and entries on case net damage or online reputation. This has been extremely stressful for me and very time-consuming, explaining this to the court that it shouldnt be on case net because Ive never had an account with Commerce Bank It was determined by the courts that XXXXXXXX XXXX XXXXXXXX would be the one to have to file an entry to have it removed from XXXX XXXX They have not done so yet and its been extremely damaging to me and extremely stressful. Of course I have contacted XXXXXXXX XXXX XXXXXXXX numerous times to have this entry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
In the first few days of XXXX I noticed that a second mortgage payment had been withdrawn via ACH from my bank account. I reached out ( on XX/XX/XXXX ) to 5th 3rd Bank and requested a refund as this must have been in error. They indicated that they did indeed see a second payment being taken out and said I would have to wait to be refunded until XX/XX/XXXX. On XX/XX/XXXX - not having been refunded I reached out again. They said they had no record of a refund being processed. The Manager I spoke with indicated that he did see a record of me calling that day and would look into why the promised refund action was never taken. He would also start processing my refund then and attempt to escalate it. I was at this time quite frustrated byt hem keeping my money in error and not returning it. He said someone would call me by Wednesday XX/XX/XXXX to let me know what the resolution would be. On XX/XX/XXXX XXXX from 5th 3rd Bank called me to say that there was a backlog in their mortgage processing and it would be 10 business days until my refund oculd be processed. I attempted to call XXXX back today after the holiday and when I did not reach him I endeavored to lodge this complaint as I feel like they are being disingenuous and holding my money for an exorbitantly unacceptably long amount of time. I am hoping that this can lead to a resolution before the end of the month and XXXX 's mortgage payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
XXXX XXXX made material factual representations in a letter dated XX/XX/XXXX regarding an alleged foreclosure sale and subsequent disposition of the property, yet has failed to produce the underlying documentary evidence necessary to verify those claims. Specifically, XXXX represented that : ( 1 ) the property was allegedly sold to a third party in a foreclosure sale on XX/XX/XXXX ; ( 2 ) the original successful bidder allegedly withdrew from the sale ; ( 3 ) a new contract was allegedly executed with the next highest bidder on XX/XX/XXXX ; ( 4 ) surplus funds were allegedly received on XX/XX/XXXX ; and ( 5 ) a XXXX Cancellation of Debt was allegedly issued. I requested RELEVANT documentary proof supporting these representations, including identification of all bidders and purchasers by name, address, and phone number ; the winning bid amount ; the foreclosure auction file ; the ACTUAL memorandum of sale ; ACTUAL identifiable WRITTEN withdrawal, cancellation, or reassignment documentation involving the original bidder and any other bidders ; any subsequent contracts or assignments ; proof of transfer of title ; payment records ; foreclosure accounting records ; proof supporting the alleged surplus funds ; proof supporting issuance of the XXXX ; complete transaction history ; certified mailing records ; publication records ; and all other RELEVANT documents supporting the servicers representations regarding the alleged foreclosure sale and subsequent disposition of the property. Although XXXX stated that I have a right to access the documents used in its investigation, the servicer has not produced the complete documentary chain necessary to independently verify the alleged foreclosure sale, bidder withdrawal, subsequent transaction history, accounting, or disposition of the property. I therefore request CFPB assistance in obtaining the requested records and requiring a complete documented explanation of the alleged foreclosure disposition process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I discovered an unauthorized transaction for {$82.00} at XXXX and reported it as soon as I became aware of it. I disputed the charge, but the company denied my claim stating the transaction was authorized by me without providing sufficient evidence showing that I personally approved or made the transaction. I requested additional information about the investigation, including login/device/IP records and authentication details used to make the decision. I believe the investigation did not adequately consider the possibility of unauthorized access or account compromise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I ASKED THE CORPORATION LVNV FUNDING TO PROVIDE ME WITH A SIGNATURE THAT I SIGNED WITH THEM TO COLLECT THIS DEBT.... NOT ONLY THAT I SENT THEM A FORM OF PAYMENT THAT THEY DISREGARDED AND REFUSE TO RETURN..... MY NAME WAS ALSO SPELLED WRONG IN THE COLLECTION OF DEBT PROCESS.... I ALSO INFORMED THEM THAT I AM A SECURED PARTY CREDITOR.... AND THAT MY NAME IS TRADEMARKED.... THEY SIMPLY HAVE BEEN IGNORING MY REPONSES.... NEXT IS A LAWSUIT THAT I WILL FILE.... I HAVE NEVER CONTRACTED OR SIGNED ANY PAPERS WITH THIS CORPORATION.... MY CREDIT WAS USED AND THEY ARE FRADUALENTLY ATTEMPTING TO RECIEVING PAYMENTS AFTER BUYING THE DEBT FROM ANOTHER CORPORATION UNDER FRAUD.... WHICH I NEVER AGREED TO OR SIGNED ANY CONTRACT...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello. Thank you CPFB for hearing me out with my problem with Citi Bank. I purchased a television for the first time in about 8 years. Its a major purchase for me for which I was expecting an offer which did not pan out as stated. I purchased a XXXX XXXX using an online portal through my Citi Bank merchant offer which claimed to offer a 4.25 % back using my Citi Double Cash card after making a purchase from XXXX via the link provided by the Citi app by XX/XX/year>. I called Citi Bank customer service in advance to making the purchase who assured me the offer was valid. After making the purchase, I noticed the 4.25 % was not applied to my card. I called the XXXX number on the back of my credit card several times where representatives at these call centers abroad told me to call back during a particular departments hours of operation as their department can not handle such requests, to call back after 60-90 days if you havent seen the merchant offer applied to your acdount ( at which point you can not dispute or return the item ), or to simply say a supervisor has denied the request and they simply disconnect the line. I dont feel that this Citi Bank credit card sale baiting should be allowed to continue. I have proof of purchase of my tv, using my Citi double cash back card on XX/XX/year> for XXXX and a screenshot of the 4.25 % back offer taken on XX/XX/year> for a purchase with electronics.Sony.com made by XX/XX/year> for which I have enrolled and met purchase requirements. Citi should not be allowed to funnel sales through these credit card channels and then deny cash back offer through their XXXX call center intermediaries abroad whos only interest is to deny any claims. I dont know who else to turn to for help regarding this matter and hoping you might be able to advocate on my behalf and others who may encounter this situation in the future with Citi . I do not get how a US based financial institution is able to scam me. I am asking for your help in this matter to find some resolution. Thank you very much for your time and help. 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 monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing inaccurate and inconsistent credit reporting related to a collection account being furnished by XXXX XXXX XXXX XXXX. I requested debt validation and received written documentation from XXXX XXXX Department stating that my account was acquired by XXXX XXXX XXXXXXXX XXXX on or about XX/XX/XXXX. However, the account is currently being reported to consumer reporting agencies by XXXX XXXX XXXX XXXX, and no documentation has been provided establishing the legal chain of title, assignment rights, or furnishing authority permitting XXXX XXXX XXXX XXXX to report this debt. Additionally, there are material inaccuracies in the reporting : The original principal amount shown in validation documents was {$2500.00}. The credit report is inaccurately reporting the original amount as approximately {$4000.00}. Added interest, fees, and charges appear to have been improperly converted into the reported original balance. The account reflects a XXXX opened date even though documentation references ownership transfer in XXXX and the original loan dates back to XXXX, raising concerns regarding improper re-aging and misleading reporting. have previously disputed this account, yet the inaccurate information continues to be verified and furnished to the credit bureaus. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681i, I request a full reasonable investigation and production of : complete chain of title and assignment documentation proof XXXX XXXX XXXX XXXX has authority to furnish/report this account original signed agreement complete accounting/payment ledger itemization of all fees and interest original date of first delinquency explanation for the inaccurate original balance reporting explanation for the inconsistent ownership reporting between XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX If the information can not be fully verified accurately and consistently, I request immediate deletion of the tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
b'TransUnion violated FCRA 605B(g) on XXXX. File Number XXXX XXXX I mailed XXXX XXXX a complete FCRA 605B Identity Theft Block package via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX. Package included: FTC Identity Theft Report XXXX, XXXX XXXX XXXX XXXX, notarized identity theft affidavit, government ID, and proof of address. XXXX XXXX received it XXXX\n\nUnder FCRA 623(a)(6)(B), XXXX XXXX had duty to notify TransUnion that this account was blocked as identity theft.\n\nFCRA 605B(g) requires TransUnion to BLOCK the account within 4 business days of receiving notice. Today is day 8.\n\nInstead of blocking, TransUnion mailed "Investigation Results" dated XXXX stating "VERIFIED AS ACCURATE" for fraudulent XXXX XXXX account XXXX XXXX XXXX Charge Off. Date Closed XXXX. Date Opened XXXX. Last Payment XXXX.\n\nI never opened this account. I reported it as identity theft to XXXX XXXX in XXXX XXXX I sent written notice XXXXXXXX XXXX XXXX closed the account XXXX but continues reporting it as Charge Off.\n\nTransUnion illegally converted mandatory 4-day BLOCK into 30-day dispute process and "verified" identity theft as accurate. This is willful violation of FCRA 605B(g).\n\nXXXX XXXX received identical FTC Report XXXX and deleted fraudulent account in XXXX XXXX provinXXXX XXXX XXXX and TransUnion had all required documents 16 months ago but chose to violate federal 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 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Obtained a loan to have solar installed. The company that was installing the solar took over a year past the contract date to attempt to complete. They never completed the job. They are now out of business, leaving my husband and I to finish the job. We have had to get certification to be able to finish it ourselves. I can email documentation, too many to download to this complaint

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 2026-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing a formal complaint against Chase Auto for a systemic data-mapping failure during the XXXX XXXX-to-Chase portfolio migration ( Vehicle picked up XX/XX/XXXX ). 1. Systemic Migration Error : I took delivery of my vehicle on XX/XX/XXXX. During this year-end period, my account data was migrated from XXXX to Chase Auto . At no point was I notified that my established XXXX payment history and autopay method would not carry over, nor that the payment portal had moved out of the XXXX XXXX and that Chase Auto would be carrying the lease instead of the XXXX XXXX . 3. Autopay Failure : After receiving a notice of a delinquent Chase Auto account via XXXX, I attempted to set up Autopay in XX/XX/XXXX with an agents assistance. However, the systems reliance on inaccurate XXXX data from the autopay account automigration overrode my inputs, leading to the processing failure and another delinquent payment. 2. Documented " Ghost '' Account : On XX/XX/XXXX I spoke with a Chase Auto service representative who directed me through the deletion of a XXXX XXXX account that was incorrectly mapped to my profile, an account I do not own or hold. He acknowledged this had happened and had an established protocol to identify and delete this " ghost '' account. This proves this is a known systemic issue within the bank migration database and multiple consumers report both issues with credit reporting by Chase, but also those notable integration issues when linking accounts for XXXX XXXX autopay, often involving Plaid or banking portals like XXXX XXXX, Chase, or XXXX XXXX. 4. Impeccable History : Prior to this lender error, I maintained a credit score of XXXX. The XXXXpoint drop I have suffered is an unwarranted penalty for a technical glitch in Chases backend. My account is paid in full, the proper account is now attached after a manual override and manual input wth the assistance of a service representative. Under the Fair Credit Reporting Act ( FCRA ), I sent a comprehensive, 7-page dispute packet via Certified Mail containing clear explanations and official XXXX screenshots proving my stellar credit history. Chase received this on XX/XX/XXXX then issued a generic rejection letter dated XX/XX/XXXX, claiming the " delinquency is valid. '' This is a clear failure to investigate a documented lender system error - first with the transition, then the autolink of XXXX to Chase Auto. I would appreciate an immediate and permanent deletion of the XXXX XXXX late marks from all three major bureaus ( XXXX, XXXX, XXXX ) to restore my accurate credit standing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I am disputing inaccurate and inconsistent credit reporting related to a collection account being furnished by Vance & Huffman LLC. I requested debt validation and received written documentation from XXXX XXXX XXXX stating that my account was acquired by XXXX XXXX XXXX, XXXX on or about XX/XX/XXXX. However, the account is currently being reported to consumer reporting agencies by Vance & Huffman LLC, and no documentation has been provided establishing the legal chain of title, assignment rights, or furnishing authority permitting Vance & Huffman LLC to report this debt. Additionally, there are material inaccuracies in the reporting : The original principal amount shown in validation documents was {$2500.00}. The credit report is inaccurately reporting the original amount as approximately {$4000.00}. Added interest, fees, and charges appear to have been improperly converted into the reported original balance. The account reflects a XXXX opened date even though documentation references ownership transfer in XXXX and the original loan dates back to XXXX, raising concerns regarding improper re-aging and misleading reporting. have previously disputed this account, yet the inaccurate information continues to be verified and furnished to the credit bureaus. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681i, I request a full reasonable investigation and production of : complete chain of title and assignment documentation proof Vance & Huffman LLC has authority to furnish/report this account original signed agreement complete accounting/payment ledger itemization of all fees and interest original date of first delinquency explanation for the inaccurate original balance reporting explanation for the inconsistent ownership reporting between XXXX XXXX XXXX XXXX and Vance & Huffman LLC XXXXf the information can not be fully verified accurately and consistently, I request immediate deletion of the tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LoanCare, LLC
State: PA

Complaint narrative:
I had a XXXX XXXX XXXX XXXXXX/XX/XXXX. My insurance check was mailed to you. My XXXX was told they Will only release XXXX in XXXX increments and at XXXX want XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX. In a real world will never happen. I dont care who you are. So your company has forced me to sell against my wishes. So I found a buyer. Supposed to close on XX/XX/XXXX. After XXXX weeks of fighting with you. You tell me XXXX cant close now because the mortgage has to be paid and I cant use my insurance check. So now again you are holding my money over my head. I have contacted legal representation because every call is recorded and ive done everything they asked me to do and still will not releases even though there is a buyer and contract in place. I have exceeded my living expenses from my insurance company and now im paying rent and a mortgage. XXXX lose the sale on friday and I will pursue to the last of me

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I opened a checking account with Huntington bank and when I had my direct deposited in the account they close my account. When I reached out to them they gave me the run around saying it would take 30-60 days to get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I bought this car XX/XX/year>. I instantly started having problems on day XXXX. I contacted the car lot they gave me the run around and said to quit calling them or they would call the cops. So I report this to the finance company westlake, they do absolutely nothing they dont care pay them and thats that. So after tons of problems finding out blown head gaskets, then a cracked bottom block, so I ended up having to buy a whole new motor for this vehicle. Then after all this fi all being able to get the motor and have it put it, I find out from the mechanic here in town at a local star certified mechanic shop tells me he did the diagnostic report on the vehicle and its really reading XXXX actual miles. I was sold the car with XXXX miles on it so therefore the dealership sold me a roll back odometer vehicle and now the westlake finance company is denying the proof of paperwork XXXX having showing proof of the rollback

Company response to consumer: Closed with explanation