vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
Hello, on the day of XX/XX/XXXX I received a email regarding a debt that was paid in my names that was owed of XXXX that was owed from XX/XX/XXXX and I'm a single mom and since XXXX someone have been using my information and I really need this debt disputed and sent to 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 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My transmission went up I tried to go back to the company that sold it to me with no help then I called the finance company and explained it to them again no help I am doing credit repair and have sent multiple letters with still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I am writing to formally dispute a collection account that is being reported on my credit file as the result of identity theft. 

I contacted XXXX XXXX XXXX, the original creditor, regarding this matter. After reviewing their records, they confirmed that the accounts associated with my name were created due to fraud and/or a system error. XXXX XXXX XXXX has verified that these accounts were not authorized by me, has cancelled the XXXX, and has cleared all balances, confirming that I owe {$0.00}. They have also provided verification that the charges were fraudulent. 

Despite this confirmation, the collection agency continues to report this account to the credit bureaus. Because the debt has been verified as fraudulent and invalid by the original creditor, I am requesting that the collection agency immediately remove this account and cease reporting it to all credit bureaus ( XXXX XXXX XXXX XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate, fraudulent, or unverified information removed from my credit reports. I am requesting the CFPBs assistance in ensuring this matter is fully resolved and that my credit reports accurately reflect that this account was the result of identity theft and does not belong to me. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I found a car I wanted to buy on XXXX XXXX it was on XX/XX/year>. I sent half the amount which was XXXX to XXXXXXXX XXXX XXXX in XXXX XXXX. The car never came. I sent the money but wire transfer from fifth third bank to XXXX XXXX XXXXXXXX. I found out from the place in that town. There was no such company. The third bank would not work with me to get the money back. Ive tried several times. Ive talked to the attorneys and everything that no one seems to be able to help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AK

Complaint narrative:
Called IQ international debt collector to obtain information regarding debt and requesting account number. They refused to give me my account number after multiple times of asking. They asked for personal banking information and my income information. After refusing to give my personal information, they got a very aggressive attitude and would not give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I disputed unauthorized transactions with chime bank that were made on my debit card and I have no idea who made them or how they got charged to my bank account. Chime denied my dispute within XXXX hours with no explanation or reasoning. My dispute was made for the following transactions along with the dates : XXXX. XXXX * XXXX | XX/XX/XXXX | {$66.00} XXXX. XXXX * XXXX | XX/XX/XXXX | {$96.00} XXXX. XXXX * XXXX | XX/XX/XXXX | {$96.00} XXXX. XXXX * XXXX | XX/XX/XXXX | {$96.00} XXXX. XXXX * XXXX | XX/XX/XXXX | {$96.00} XXXX. XXXX XXXX XXXX | XX/XX/XXXX | {$130.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$15.00} XXXX. Me XXXX Od CP XX/XX/XXXX {$56.00} The day after my dispute, after chime rejected my dispute within hours, I called chime bank and requested they provide me with the following documents Pursuant to Regulation E : Copies of all documents relied upon in your determination The date, time, and method of investigation The identity of the merchant ( s ) And any evidence used to conclude the transactions were authorized It has now been 12 days since I requested these documents from chime bank, and they told me it could take up to 10 days for me to receive from them, and I have not received anything at all from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am disputing a vehicle loan that is pending validation and funding from Westlake Financial Services. The dealer, XXXX XXXX XXXX XXXX from XXXX, FL materially misrepresented facts regarding the vehicles condition - these facts such as accident damage and engine problems were not disclosed before the time of delivery. The vehicle was represented as roadworthy, but immediately activated a brake warning indicator and became inoperable shortly thereafter. Further evaluation showed multiple faults on the computer ( spark plugs and more ) The vehicle also had accident-related damage that was not clearly disclosed in writing or in photos prior to delivery. These undisclosed safety and operability issues existed at or near delivery and materially affect the lenders credit decision. 

I notified the dealer and requested that the transaction be rescinded. The dealer has denied responsibility and is asserting the contract is final, despite the dispute and the vehicles condition. 

I am requesting confirmation of whether the loan has been funded and that it not be funded pending review, due to inaccurate and incomplete information provided during loan origination. 

The loan had been assigned to Westlake Financial out of XXXX XXXX, but later was reassigned back to the dealer, XXXX XXXX XXXX XXXX from XXXX, FL. This is a warning to anyone reading - Auto World out of XXXX, FL scammed an old woman on disability and a fixed income trying to help her son obtain a car. She will not pay on a vehicle that We did not and will not make payments on a vehicle that : A ) she was never in possession of B ) Functioned only briefly before failing C ) Should never have been sold in its condition D ) should have never been delivered in Florida without a proper Florida insurance policy ( we mistakenly had a California policy and they still sold it to us ) We paid a XXXX deposit and have asked for that back and were told by the dealer the money is long gone Video of vehicle non-op just days after sale : XXXX : XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have an account with truist they allow XXXX to go into my account and take money out of my account as an ACH payment, which I pay {$35.00} to stop the payment they went into my account XXXX and they took XXXX on XXXX and XXXX on XX/XX/year> i disputed these transactions they gave me XXXX back with no problem credit back they still tryna debit my account of XXXX which i dont understand how thats possible XXXX dont have the money and truist still let them go in my account it still was debited so i ask truist where my money they dont know i sent them the screenshot of XXXX they refused to give me a temporary credit csr all saying different things and im getting fustrated i need my money now they didnt ask me to sign nothing for XXXX but they want me to wait for my money for XXXX thats not right its been over the time they told 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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I am writing to formally dispute a collection account that is being reported on my credit report in error, as the debt does not belong to me and is associated with another individuals name. 

I contacted the collection agency to request validation and additional information regarding this account. However, the collection agency refused to provide any details, stating that they could not release information because the account does not belong to me. This response itself confirms that the debt is not mine, yet the agency continues to report it under my credit profile. 

Because the collection agency is unable or unwilling to validate the debt as belonging to me, and because the account is associated with someone else, the continued reporting of this account is inaccurate and misleading. Reporting a debt that is not mine, while simultaneously refusing to provide validation, is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB require the collection agency to immediately delete and remove this account from all credit reports, and to cease any further reporting to XXXX XXXX XXXX XXXX. I am also requesting confirmation that this account will not be reinserted in the future. 

Thank you for your assistance in resolving this matter and protecting my rights as a consumer. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc.
State: AL

Complaint narrative:
Company : XXXXXXXX XXXX XXXX XXXX Issue Type : Debt collection / Loan servicing / Improper credit practices Complaint Narrative I am submitting this complaint regarding XXXXXXXX XXXX improper handling of my loan account, including sending my account to an outside collection agency without prior notification and without providing me the opportunity to verify or dispute the accuracy of the alleged balance. 

I was directly affected by workforce cuts, resulting in a salary reduction of approximately {$23000.00} annually. Despite this significant financial hardship, I remained in constant communication with XXXXXXXX XXXX representatives, advising them of my situation and making payments to the extent I was financially able. At no time did I refuse to pay or avoid my obligation. As communicated to XXXX, reduced income is still income, and I acted in good faith throughout this period. 

Without providing advance written notice, a right to dispute, or verification of the balance, XXXX transferred my account to a third-party collection agency. This action deprived me of my consumer rights and caused unnecessary financial and emotional distress. 

I was never provided : A written notice of intent to transfer the account to collections An opportunity to verify the accuracy of the balance A clear explanation of how the balance was calculated Proper notice required prior to third-party collection activity Violations and Concerns XXXX actions appear to violate the following consumer protection standards : Fair Debt Collection Practices Act ( FDCPA ) Failure to provide timely validation of the debt Engaging a third-party collector without proper notice Depriving the consumer of the right to dispute the debt before collection Consumer Financial Protection Act ( CFPA ) Engaging in unfair and deceptive acts or practices ( UDAAP ) by transferring the account without transparency or due process Failure of Servicing Obligations Ignoring documented hardship and prior payment arrangements Acting inconsistently with representations made by loan agents during ongoing communication Requested Resolution I respectfully request that the CFPB require XXXXXXXX XXXX to : 1. Recall the account from the outside collection agency immediately 2. Provide full written validation of the alleged balance, including payment history and fees 3. Correct any inaccurate credit reporting, if applicable 4. Honor prior communications and good-faith payment efforts 5. Cease all collection activity until the debt is properly validated I am requesting a fair resolution, not avoidance of responsibility. My expectation is compliance with federal consumer protection laws and transparent, lawful servicing practices. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: U.S. BANCORP
State: NC

Complaint narrative:
Immediate Removal Demand Unauthorized Inquiry ( XXXX XXXX XX/XX/year> ) To Whom It May Concern, This letter serves as notice of dispute for an unauthorized inquiry reported by XXXX XXXX XXXX XXXX on XX/XX/year>. 

I did not apply for credit, authorize access, or provide written consent to XXXX XXXX. This inquiry constitutes inaccurate reporting and violates FCRA 604 and 623.

As a consumer affected by financial data breaches, I am requesting immediate deletion under FCRA 605B and 611. This request is for deletion, not reinvestigation. 

Please confirm removal in writing.

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 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against * * Nelnet * *, the servicer of my federal student loans, for * * inaccurate credit reporting and servicing failures * * that have caused unjustified harm to my credit. 

Summary of the Issue I submitted a * * Teacher Loan Forgiveness ( TLF ) application * * while my loans were serviced by * * Great Lakes * *, prior to the mandatory transfer of my account to Nelnet. During this period, I reasonably believed my application was under review and that my account would be handled accordingly. 

After the servicing transfer, Nelnet informed me that my Teacher Loan Forgiveness application was not received. Despite this servicing disruption, Nelnet reported my account as * * delinquent to the credit bureaus * *, even though the missed payments occurred during a period when my account should have been placed in * * administrative forbearance * * due to a pending forgiveness application and servicer transition. 

This is Is a Servicer Error Any failure to receive, process, or transfer my Teacher Loan Forgiveness application is a * * servicer-side failure * *, not borrower negligence. Reporting my account as delinquent under these circumstances is * * inaccurate, misleading, and unfairly damaging * * to my credit. 

Additionally, if any portion of this delinquency was reported during the federal student loan * * on-ramp period * *, such reporting is inconsistent with XXXX XXXX XXXX guidance and protections.

Harm Caused As a direct result of Nelnets actions : * My credit score has been negatively impacted * Inaccurate delinquency information now appears on my credit reports * I have spent significant time attempting to correct an error that I did not cause Resolution Requested I am requesting that Nelnet be required to : 1. Apply a * * retroactive administrative forbearance * * for the affected period 2. * * Correct all inaccurate credit reporting * * with XXXX XXXX XXXX XXXX 3. Provide written confirmation of the corrections made 4. Ensure my Teacher Loan Forgiveness application is properly reviewed without further penalty to my credit I appreciate the CFPBs assistance in ensuring accurate credit reporting and fair treatment by federal student loan servicers. 

Sincerely, XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
My home was damaged during XXXX XXXX. By counsel I was instructed to cancel homeowners insurance. I alerted Sofi mortgage. I asked them to contact my attorney for further reference. There was {$120000.00} in damages. XXXX months later I was informed Sofi through XXXX XXXX  that a pre dated homeowners policy was force placed. Pre dating is illegal and it is fraudulent to insure a property without knowing conditions in XXXX. I never received a copy of the policy. 

I was assured by Sofi XXXX XXXX that the mortgage department would contact me. 

Complaint, omitting payment processing information. 
Inaccurate amounts of payments Fraudulent homeowner policy Unverifiable information. I received a letter from resolution XXXX saying I couldn't use bank account or transaction records, yet that's all I received from them. 

I'm tired of being jerked around. There are multiple errors regarding my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: CA

Complaint narrative:
A debt collector, Grant & Weber, is reporting a checking account debt from XXXX  XXXX XXXX as a new collection account on my XXXX  credit report. 

The underlying account default occurred approximately ten years ago and is well beyond the 7-year reporting period allowed under the Fair Credit Reporting Act. This debt had never appeared on my credit report until XXXX. 

Grant & Weber is reporting a false date opened of XX/XX/XXXX and a removal date of XX/XX/XXXX, which unlawfully re-ages the debt and makes it appear new. The report does not show an accurate Date of First Delinquency tied to the original creditor. 

I disputed this directly with XXXX, but the account was verified without correcting the inaccurate dates or removing the obsolete debt. 

This reporting misrepresents the legal status and age of the debt and is causing ongoing harm to my credit. I am requesting deletion of this inaccurately reported and obsolete 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 explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX XXXX from service. I provided official separation orders and written notice to cancel my gym membership under the Servicemembers Civil Relief Act ( 50 U.S.C. 3955 ). 

XXXX XXXX XXXX has refused to cancel the membership and continues to attempt withdrawals, stating they are bound by club policy and the membership agreement. Federal law supersedes private contracts and policies. 

I am requesting immediate cancellation of the membership, cessation of all withdrawals, and confirmation of compliance with SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I believe Im being overcharged in my escrow account under the explanation of increased county taxes and higher insurance premiums. I am willing to pay the additional amount related to the insurance premium increase, but even after accounting for that, my monthly mortgage payment for 2026 is still {$110.00} plus higher than last year. 

I spoke with Wells Fargo Mortgage, and they told me that the law allows them to charge extra for escrow. However, it feels like they are overcharging under the justification of escrow requirements.

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