vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Halsted Financial Services XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX RE : Request for Debt Validation Dear Halsted Financial Services, I am writing regarding an account. I am requesting verification and validation of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g. Specifically, I request : 1.The exact amount claimed, including any fees or interest. 2. The name of the original creditor and the date the debt was incurred. 3. Documentation showing that you are legally authorized to collect this debt. 4. Verification of the exact dates of first delinquency, last payment, and account opening/charge off. Since this account is not currently on my credit report, I request that you do not report this account to any credit bureau until you have provided the requested verification. Please respond in writing within the time allowed by law. I am keeping a copy of this correspondence for my records. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: TN

Complaint narrative:
XXXX XXXX and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: TX

Complaint narrative:
On XX/XX/year> XXXX removed a collection that was not owed LVNV FUNDING LLC from my credit report. I am requesting that it also be removed from my XXXX credit report because it is the same collection. It is for XXXX XXXX dollars. You can check my accounts using my credit score that I am not lying about this indifference and to prove that the screenshots are from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Truist Financial is improperly servicing my auto loan after a total loss settlement. Insurance and GAP payments totaling about {$25000.00} were posted to the account in XXXX. Despite receiving these payments, Truist continues to claim the loan is two months delinquent and withdrew {$1200.00} from my checking account using setoff. The remaining balance is pending a {$2500.00} Vehicle Service Agreement refund that should leave roughly {$700.00} owed. Truist is collecting funds before the balance is reconciled and is inaccurately treating the account as delinquent. I am demanding a full accounting, correction of the account status, and refund of any overpayment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/XXXX my vehicle was totaled by another driver. At the time I had an auto loan through USAA. Immediately after the accident I contacted USAA to explain the situation and ask what options were available while I worked through the insurance claim and obtaining a replacement vehicle. As a single parent with custody of my children and an XXXX XXXX XXXX, reliable transportation is critical for both my employment and my family. During that call, a USAA representative stated that they would assist me by applying the insurance payment toward my loan and adjusting the loan in a way that would push my payments out several months to provide temporary financial relief. Based on this representation, when the insurance company asked how I wanted the settlement distributed, I instructed them to send the payment directly to USAA. The payment was approximately {$43000.00}. However, the relief that was described to me was never applied to my loan account in the manner explained. Despite the promises made during recorded phone calls, the loan was not adjusted and my account began receiving late fees and negative credit reporting. Since XX/XX/XXXX I have made repeated attempts to resolve this issue with USAA. I have spent numerous hours on the phone speaking with multiple representatives and departments because each representative would advise that I needed to speak with someone else. During these conversations I was told that assistance options such as payment deferrals, interest adjustments, or other accommodations could have been applied, yet none of these options were implemented on my account. As a result, my account continued to accrue late fees and negative reporting even though the original issue stemmed from USAA failing to apply the relief that had been promised. During this time I continued to make payments on the account whenever I was able. Recently, when the remaining balance on the loan was approximately {$400.00}, I spoke with a representative from the resolution team who reviewed the history of my account and acknowledged the previous notes. That representative stated that USAA would apply a credit of {$120.00} to help resolve the situation. Based on that representation, I agreed to move forward with paying off the remaining balance. However, on XX/XX/XXXX, USAA contacted me and stated that they would only provide {$80.00} instead of the {$120.00} that had previously been promised. I believe USAA has failed to follow through on multiple commitments made to me and has handled this matter unfairly despite my repeated attempts to resolve the issue. As a customer of more than 13 years, I made decisions based on the representations made by USAA representatives and those commitments were not honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I purchased a free phone from XXXX XXXX XXXX XXXX XXXX the manager said its free but I had to pay a XXXX so I did plus two months of service well I never used the phone or the service so I called XXXX XXXX canceled my service I begin to get bills I took them to the store spoke to same manager XXXX he told me discard them then I received debt collectors and I went back to store he was fired and another manager took care of me he actually got on the phone with me and he had XXXX erase the debt they were saying for he verified I never used service and that the other manager was fired and no longer will work for XXXX anyhow he got it erased and every 30 days they were to erase then I was negative points against my credit I immediately called XXXX and XXXX and the woman said it would be token of my record XXXX XX/XX/year> it was score went up then I again received a bill from XXXX and XXXX again I told them this store if anything XXXX owes me I cancelled this service immediately never used their phone. I went back to XXXX XXXX and the store had been closed its now a sock store. please I am harasser now another company is harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
Cross Country Mortgage took over the mortgage at the end of XXXX. I paid my mortgage. Cross Country collected my escrow payments along with my mortgage payments. Escrow was to be applied to 1. Taxes 2. Insurance. I just received notice that homeowners was cancelled. The notice came from my Agent. The notice of cancellation shows clearly that Cross Country was noticed that the policy was to be cancelled for non-payment on XX/XX/XXXX. I've reached out to Cross Country to attempt to resolve by phone. No live representative picked up. I requested a call-back from a live rep. No phone call ever came. My home has been un-insured for 11 days. Cross-Country has not responded. I mailed regular and certified a Notice of Error to the designated address in TX for Cross Country. The required time for a response is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Immediate deletion of this account from all credit reporting agencies. Written confirmation that the account has been permanently removed. Assurance that XXXX XXXX XXXX will cease reporting this account in the future. Not my account I am a fraud victim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding my experience with the Branch Manager, XXXX, at the OneMain Financial office located at XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX. Last month, I had a family emergency that required my presence at the hospital, and I was unable to make my scheduled payment. This was a life-or-death situation, and my priority was attending to my family. Today, I attempted to make the payment to my account, but I had no access to it. During a call to the branch, XXXX indirectly confirmed that I had been blocked from my own account. Despite this, he insisted that I provide my debit card information over the phone before allowing me access to my account. This seemed unsafe, highly unprofessional, and contrary to standard financial practices. It is unreasonable and concerning to be asked to provide sensitive financial information without first being able to verify my own account balance. Additionally, during the call, XXXX repeatedly interrupted me, manipulated the conversation, and spoke in a dismissive and disrespectful manner. I also requested the District Managers contact information to escalate my concerns, and he refused to provide it, even though another branch confirmed this information should have been available. I am requesting an immediate investigation into this matter. I am concerned about both the potential unauthorized handling of my financial information and the unprofessional, unsafe, and discriminatory conduct I experienced. I am requesting : 1. Assurance that my account will be properly managed and accessible for verification before any payment is processed. 2. A review and response regarding the conduct of XXXX, the Branch Manager. 3. Contact information for the appropriate District Manager or corporate supervisor for further escalation. I have documented the date, time, and content of the conversation and am prepared to provide additional details if needed. I expect a prompt response and appropriate corrective action to ensure that such practices do not continue. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MN

Complaint narrative:
This complaint concerns First Interstate Banks refusal to provide dispute investigation records for approximately seven months after a billing-error dispute was opened on XX/XX/year>. After denying the dispute, the bank represented that merchant documentation and internal records supported its determination. However, despite repeated documented requests through certified mail, fax transmissions, and recorded telephone calls, the issuer refused or failed to provide the records it claimed to have relied upon. The requested materials were only produced after intervention by the Division of Banking and Financial Institutions ( DBFI ). The issuers determination relied in part on a merchant-submitted terms and agreement that was never provided to or acknowledged by the consumer at the time of purchase. The prolonged refusal to provide the investigation records raises concerns regarding the banks dispute documentation practices, record retention, and whether the investigation referenced in prior communications was supported by the underlying records at the time the determination was made. Supporting documentation, communication history, and the timeline of requests are attached. The issuer also closed the dispute for non-response based on an alleged XX/XX/year> letter but has not produced proof that the notice was mailed or delivered. Because the requested investigation records were withheld for approximately seven months and only produced after state regulatory intervention, I respectfully request supervisory review of the issuers dispute documentation and recordkeeping practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: PA

Complaint narrative:
My name is XXXX XXXX I need to report this Zelle account user by email and phone number so they can be investigated and punishment and her their Zelle account terminated and suspended and permanently limited and permanently restricted and token restricted and relationship with Zelle terminated and ended and send the investigation decision to their bank for the email and phone number so their bank can investigate their account and punishment their account and terminate their bank account and close their accounts out for saving or checking or both their informed is My Zelle is XXXX And phone number is XXXX Personal name is XXXX XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
am disputing a charge related to a vehicle purchase from a dealership. The dealership represented that the vehicle price was about {$4800.00}, but after paying with XXXX credit cards and cash I was charged nearly {$7000.00} in total. Only about {$300.00} should have been charged to my credit card, but a much larger amount was charged instead. I disputed the charge with Chase and initially received a credit, but later Chase reversed about {$2200.00} and added interest and fees. The vehicle also had serious mechanical problems within XXXX days, including a failed radiator that left me stranded on the road with my daughter. I am requesting a reinvestigation, restoration of the reversed credit, removal of all related fees and interest, and correction of the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Im filling a complaint against citi bank due to the fact that I only recieved a close out disbursement check from my savings account i been trying to get this resolved for the past few months and still no solution I had my money in checkings account and also my savings account, the onky thing i recieved was my money from my savings account and till this date they have not sent me my closeout disbursement check for my checkings account that I been waiting for a very long time i just want my funds immediately some way somehow and I want them to show proof that there is money in my account pdf in statement form or etc. I need proof that there is supposibly no money in my account but im going of on what he say and she say they keep bouncing me around till this date when I speak to their fraud department and regular employees but I have not gotten no solution till this date I knkw there money in my checkings account becouse becluse my account got closed with my debit card also I had around almost to {$1000.00} and till this date is either im taking this to small claims court due to the fact that citi bank is hurting me mentally, physically with financial well being problems and is hurting me by staying behind on rent and bills that I need to pay which can lead to me being out of electricity, being kicked out out my apartment for not paying my rent, paying food that can lead to my family starving, paying for my sons medication which he can die from and if he does that woukd be a big lawsuit that I would take to the court die to the fact that citibank took its time of not giving me my hard earned money in my checking account!

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 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding accounts that have been fraudulently opened in my name due to identity theft. These accounts do not belong to me, and I am requesting the CFPBs assistance in having these inaccurate and unauthorized accounts investigated and removed. Details of the Issue I recently discovered one or more accounts on my credit reports that I did not authorize or open. These accounts appear to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies and the creditors, but the issue has not yet been resolved. Action Requested I respectfully request that the CFPB : Investigate these fraudulent accounts Ensure the furnishers and credit bureaus conduct a proper investigation Require removal of all inaccurate information related to the identity 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 explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions is reporting a {$150.00} collection account to all three credit bureaus for a XXXX XXXX utility bill. This debt was paid in full. I have an official Payment History Letter from XXXX XXXX dated XX/XX/year> confirming XXXX late notices, XXXX disconnections for nonpayment, and Final Bill Paid : Yes. I called Bull City Financial multiple times they refused to acknowledge my payment. I submitted a written dispute letter with proof of payment enclosed the letter was returned to sender unopened. I have disputed this account with the credit bureaus multiple times with proof and the account has not been removed. This inaccurate collection is severely damaging my credit score and must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian , XXXX, and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on report. I need these items blocked and removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I saw on my credit report a company I have never heard of or from, I attempted to contact and have received no response. I need help

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