vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 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: LoanCare, LLC
State: OK

Complaint narrative:
From XX/XX/XXXX through late XXXX, I maintained a flawless mortgage payment history through automatic draft payments with my prior servicer, XXXX XXXX XXXX. In late XXXX, servicing of my mortgage was transferred from XXXX to LoanCare/Lakeview. During this transition, automatic payments did not continue seamlessly, and I was required to establish a completely new online account and payment system. Because mortgage fraud and servicing scams are common, I did not immediately provide sensitive financial information until I verified the legitimacy of the transfer through multiple parties, including communications with XXXX, XXXX, LoanCare, and consultation with legal counsel. As a result of this servicing transition disruption, several payments in early XXXX were reported late to the credit bureaus. Once the transfer was verified and the new account established, I immediately resumed automatic payments and have maintained a perfect payment history for nearly three years since the incident. Prior to the transfer, I also maintained over two years of perfect payment history. I submitted both a goodwill request and a formal Notice of Error under RESPA ( 12 CFR 1024.35 ). LoanCare responded by stating only that the payments were accurately reported and that notices of transfer had been mailed. However, LoanCare failed to meaningfully investigate or address the core issue I raised : whether the servicing transfer process itself caused the delinquency reporting through disruption of payment continuity and inadequate servicing transition procedures. My complaint is not simply about whether payments were technically reported late. My complaint is that the reported delinquency resulted directly from servicing-transfer disruption and breakdown of automatic payment continuity during the transfer process, despite my otherwise long-standing history of responsible mortgage payment behavior.

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 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX RE : Dispute of Inaccurate Credit Reporting and Collection Activity Original Creditor : XXXX XXXX XXXX Current Collector : Midland Credit Management , Inc. ( MCM ) Original Account Number : XXXX MCM Account Number : XXXX To Whom It May Concern : I am submitting this formal dispute regarding inaccurate and inconsistent reporting associated with a collection account currently being reported by Midland Credit Management , Inc. ( MCM ). The account information being reported appears inconsistent across documents and consumer reporting records. Specifically : MCM mailed me documentation reflecting a charge-off balance of {$620.00} with a charge-off date of XX/XX/XXXX. However, my current credit reporting reflects a collection balance of approximately {$430.00}. Additionally, MCM has mailed settlement and payoff correspondence reflecting amounts higher than the balance currently appearing on my credit reports. These inconsistencies raise concerns regarding the accuracy, verification, and reporting integrity of this account under the Fair Credit Reporting Act ( FCRA ). I previously mailed a formal validation and dispute request directly to Midland Credit Management , Inc., which was received on XX/XX/XXXX. MCM has until XX/XX/XXXX to provide proper validation and supporting documentation. At this time, I formally dispute : The accuracy of the reported balance The reporting history associated with this account The validity of the collection amount being reported The consistency of the reported charge-off information Any potential re-aging or inaccurate reporting activity I respectfully request that the Consumer Financial Protection Bureau review this matter and require proper investigation and verification of this account and its reporting practices. I am requesting : Verification of the correct balance allegedly owed Verification of the correct date of first delinquency Verification that the account is being reported accurately under the FCRA Confirmation that the account has not been improperly re-aged Removal or correction of any inaccurate reporting found during investigation This dispute is being submitted in good faith to ensure compliance with federal consumer protection laws and accurate reporting standards. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
That was a victim of identity theft I would like to remove off my credit report it is affecting my credit score and a inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Im writing to file a complaint against TRUEACCORD C for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-13 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year> my sister XXXX XXXX Zelle on my XXXX XXXX account using my phone number that is registered with Zelle in the amount of {$5000.00}. But then we keep waiting and we did not see it goes through to the XXXX XXXX Account, so I check my Zelle and it said it was link to a federal credit union account. However, I do not have an account with federal credit union. So we thought maybe the account got hacked and so my sister filed a claim with XXXXXXXX XXXX right away and they asked us to wait while they investigate. She called many times to inquire but was told that investigation is still going on. Then on XX/XX/year>, XXXX told her that the claim is closed because the name to whom it was sent to match up with the account holder, XXXX XXXX, but I never open any federal credit union account. It was sent to a hacked or scam account. We called Zelle and they said they could not do anything and that we need to ask XXXX and XXXX XXXX to help. I went to XXXX XXXX and they could not help because that money never made it to their bank, it was supposedly sent to XXXX XXXX XXXX because that's what Zelle said. However, Zelle did not want to help us and direct us to which Federal Credit Union it is. I also went to the XXXX Police Station and was referred over to the Federal Trade Commission to file the claim because I am the victim and I lost {$5000.00} but no one is willing to help me fight the scammer who took our money. Zelle needs to hold accountable because their system got hacked and it allows someone else to register and took over XXXX XXXX 's Zelle account. However, they refused to do anything about it. Please help me! I am so desperate because it is so wrong for a supposedly secure system to get hack and refused to take responsibility for it. We later was advised to use the XXXX and was able to find it is the XXXX XXXX XXXX XXXX. How are they able to open an account in person in the branch if the bank really check for identification and protect the consumer? The account was opend on XX/XX/year> and closed on XX/XX/year>. If Zelle would have helped us, we would have been able to recover the money before the scammer took all of it. Zelle needs to be held accountable for their lack of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am submitting this complaint because my Capital One XXXX XXXX account remains restricted/locked, and Capital One has not provided a clear or actionable path to resolve the issue. Capital One responded to my prior CFPB complaint with a generic explanation about fraud monitoring and account restrictions. Their response stated that they may restrict an account when they detect possible fraud and directed me to call the number on the back of my card. However, this does not address the actual problem : I have already tried to resolve this through Capital Ones support channels, and I remain stuck in the same unresolved loop. My concern is that the restriction may be related to an identity verification or name-formatting discrepancy. My Capital One account/card uses XXXX XXXX XXXX while my government identification may show XXXX XXXX with the hyphen . I have attempted to verify my identity multiple times and have submitted multiple forms of identification, including my drivers license, passport, and Social Security card. Despite this, Capital One has not explained what specific verification failed, what exact documentation is needed, or what I must do to regain access. Capital Ones response also did not address my XXXX XXXX rewards balance. I have a significant rewards balance tied to this account, and Capital One stated that it will not be able to assist any further with concerns about XXXX XXXX rewards until the restriction is resolved. That leaves me with no clear assurance that my rewards will be preserved while Capital One continues to keep the account restricted. I am requesting that Capital One provide a written, specific, and actionable response that includes : 1. The exact reason my account remains restricted. 2. The specific identity verification issue that remains unresolved. 3. Whether the restriction is related to the XXXX XXXX versus XXXX XXXX name-formatting discrepancy. 4. The exact documents or steps required to remove the restriction. 5. Confirmation that my XXXX XXXX rewards balance will not be forfeited, expired, or impaired while the account is restricted. 6. A direct escalation path to a specialist or manual review team that can resolve this issue without repeatedly routing me back to generic phone support. Capital Ones prior response did not resolve the issue and did not provide meaningful information. It simply directed me to call again, which is the same process that has failed to resolve the restriction. I am asking for a written explanation and a real resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Block, Inc.
State: GA

Complaint narrative:
Cant verify identity .. maximum attempts been on my account for over a week now need help so I can order my card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
I am writing to file a formal complaint against Current, a fintech banking company, for improperly closing my account and refusing to return my funds that were in the account at the time of closure. Current closed my account without providing adequate explanation or opportunity to resolve any issues that may have led to this action. Since the account closure, I have been unable to access the funds that remained in my account. I have made multiple attempts to contact Current through various channels to resolve this issue and retrieve my funds : I attempted to contact customer service by phone on, but was either disconnected, placed on indefinite hold, or told they could not assist and would escalate the matter and I would hear back soon. Never to happen. I sent multiple emails to Current 's customer support department on, but received either no response or automated messages. I attempted to access my account through Current 's website and mobile application, but found that my access had been completely blocked. I tried to contact Current through their social media channels, but received no meaningful response or assistance. Current has effectively blocked all avenues of communication while withholding my funds. This constitutes improper retention of customer funds and a failure to provide adequate customer service. The company has not provided any valid reason for withholding my money or for preventing me from accessing their customer service channels. As a financial institution, Current has a fiduciary responsibility to handle customer funds appropriately and provide proper account closure procedures. Their refusal to return my money or even discuss the matter is unacceptable and potentially illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX Jefferson capital ll a collection account of {$1200.00} was added to my credit as of XXXX XXXX unknown to what or whom this company is disputed several times and nothing. This harming me causing unnecessary stress damaging my mental health at home and work. Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am reaching out to dispute a debt that has been wrongly attributed to me by PENN CREDIT CORP. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, with an original and current balance of {$810.00}. This account is marked as derogatory and is negatively impacting my credit scores across all three major credit bureausXXXX XXXX XXXX XXXX. I firmly state that this debt does not belong to me. I have never opened an account with PENN CREDIT CORP, nor have I authorized anyone else to do so on my behalf. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute this debt, and I am exercising my rights accordingly. Additionally, this situation might also involve a violation of the Fair Credit Reporting Act ( FCRA ), as this erroneous information is being reported on my credit reports. The presence of this unfounded debt has caused significant harm to my financial stability and creditworthiness. My credit scores have plummeted to XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. Such low scores are XXXX limiting my ability to secure necessary financial services, such as credit lines or loans, and are causing undue XXXX and inconvenience in my personal and professional life. I have attempted to resolve this issue by contacting PENN CREDIT CORP directly, but my efforts have not been successful. Therefore, I am now requesting the Consumer Financial Protection Bureau 's assistance in addressing this matter. I demand the immediate and complete removal of this account from my credit reports with XXXX XXXX XXXX XXXX. I also request a formal acknowledgment from PENN CREDIT CORP that this debt is not owed by me and that no further collection attempts will be made. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2026, PayPal permanently limited my account without a clear explanation. I am a student in financial hardship and this account is my primary way to receive urgent family support. The initial temporary limitation was triggered by receiving a personal payment from a friend in XXXX not a business transaction. I provided all requested documentation. I also disputed a XXXX charge for food I never received. PayPal declined my dispute twice. A PayPal support agent then told me in writing via their Message Center on XX/XX/2026 : PayPal will not penalize you if you dispute with your card issuer. I followed that written instruction in good faith. My bank also declined the dispute no funds were wrongfully reversed. PayPal then permanently limited my account, directly contradicting their own agents written guarantee. PayPal later cited connections to other accounts as justification. I can fully explain every account : my original account was under an email from XXXX, a service that was acquired by XXXX and shut down making that email permanently inaccessible. Two subsequent accounts were opened but never verified, never used, and voluntarily closed. My current account is fully verified. I have contacted PayPals Executive Escalations office and filed a XXXX complaint ( ID : XXXX ). PayPal responded through their Office of Global Customer Complaints but refused to reinstate the account. I am requesting the CFPBs assistance in resolving this matter and reinstating my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
At the time of payment, the online system showed an amount due that included the late fee. I paid the full amount displayed in order to bring the account current. However, upon a letter of default I find that I have an incredibly high balance. I called the company and they informed that the portion intended for the late fee was instead applied toward a future payment, resulting in additional delinquency charges. I was not informed during the payment process that I needed to separately call and specify how the payment should be applied. That is what the loan representative told me and XXXX layers of managers. I reasonably understood that paying the stated past due amount would satisfy the outstanding balance and associated late fee. It doesn't show online or in the signed agreement that I would have to follow up by phone call to ensure the fees were allocated to the correct charge. In fact, they admitted to me that the information would not be found there. With that, how could I have known? Why am I pay these additional fees because they didn't apply payments like it was shown.

Company response to consumer: Closed with explanation