vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I never received any initial notice from SOUTHWEST CREDIT SYSTEMS before this collection account appeared on my credit report. The very first notice I received regarding this alleged debt was the damage to my credit file itself. Once I became aware of the account, I repeatedly sent disputes and requests for proper validation of this alleged debt. I spent my own money mailing documents and disputes asking for proof that this debt is accurate, legally collectible, and properly reportable under federal law. Yet your company still has not provided proper validation. And at this point, I genuinely do not think SOUTHWEST CREDIT SYSTEMS understands what proper validation of a debt actually is. A generic balance screen, internal invoice, or computer-generated statement created by the debt collector is NOT proper validation. Proper validation includes : A signed contract bearing the consumers signature Itemized billing statements A complete payment history A chain of assignment or bill of sale Proof the debt was legally transferred or assigned Proof the collector has legal authority to collect Documentation proving the balance is accurate Proof the debt belongs to the consumer being reported I repeatedly requested this documentation and it has never been provided. Instead, the account simply continues reporting as a verified derogatory collection account. So where exactly is the investigation? Because if consumers send disputes and documentation repeatedly and companies either ignore them or respond with generic nonsense, then what exactly are consumers supposed to do from here? If your company claims my disputes were not received or not submitted properly, then where is the proper channel? Because I have already wasted my time and money repeatedly mailing documentation asking for lawful validation of this alleged debt. Additionally, the reporting itself contains inconsistent reporting activity across the credit bureaus, raising concerns regarding XXXX XXXX compliance and the accuracy standards required under the Fair Credit Reporting Act. Under the FDCPA, debt collectors are required to provide proper validation of disputed debts. Under the FCRA and XXXX XXXX standards, information reported to the credit bureaus must be accurate, complete, and capable of being verified through a reasonable investigation. At this point, it appears your company is continuing to report a damaging collection account without competent evidence while avoiding lawful validation requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
TOTAL DAMAGED AMOUNT : {$1000.00} Financial Institution : Wells Fargo Account Type : Checking Account ending in XXXX I am filing a complaint regarding an unjustified seizure of {$1000.00} from my checking account, driven by a severe accounting error in the bank 's mobile deposit system and a total lack of transparency. The Facts : On XX/XX/year>, I deposited XXXX XXXX money orders via mobile deposit. The bank later penalized my account twice for {$500.00} eachthe first debit occurred on XX/XX/year>, and a second debit occurred on XX/XX/XXXX, XXXXresulting in a total loss of {$1000.00}. The bank claims these items failed verification and were determined to be " counterfeit, '' but they refuse to provide any physical or legal proof of the rejected items. The Evidence : I obtained an official research and tracing report from the issuer, XXXX XXXX, which completely disproves the bank 's claim. XXXX XXXX 's official ledgers prove that the bank SUCCESSFULLY COLLECTED AND CLEARED THE FUNDS FOR BOTH {$500.00} ITEMS ON XX/XX/year>. The official bank sequence numbers generated by the institution 's own system for these successful payments are : 1. Money Order # XXXX ( {$500.00} ) : Paid to the bank on XX/XX/year>, under Bank SQ # XXXX. 2. Money Order # XXXX ( {$500.00} ) : Paid to the bank on XX/XX/year>, under Bank SQ # XXXX. The Core Error : As officially certified by XXXX XXXX, the bank 's mobile deposit system accidentally submitted these identical items A SECOND TIME on XX/XX/year>. XXXX XXXX legally returned those subsequent duplicate attempts as " unpaid '' simply because credit had already been successfully given to the bank on XX/XX/XXXX. Funds can only be paid once. Instead of auditing their own system for a double-presentment error, the bank penalized my account for {$1000.00} based on the automated rejection of their own duplicate submissions. Violations and Lack of Resolution : 1. Unjust Enrichment : The bank is currently in possession of the {$1000.00} paid to them by XXXX XXXX on XX/XX/XXXX, AND they have taken an additional {$1000.00} from my personal account. 2. Check 21 Act Violation : The bank has refused formal requests to provide a Returned Item Notice or a Substitute Check. Under federal law, an institution can not seize {$1000.00} from a customer under allegations of invalidity without providing the legal substitute checks. Desired Resolution : I request the bank to thoroughly review the XX/XX/year> transactions using the Bank Sequence Numbers provided, immediately reverse both unauthorized {$500.00} debits ( from XX/XX/XXXX and XX/XX/XXXX ), and credit the total of {$1000.00} back to my 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 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate information reported on my credit file following a data breach that exposed my personal information. As a result of this breach, unauthorized and inaccurate activity appeared on my credit report without my consent. I previously disputed these issues, yet the inaccurate information continues to remain and harm my credit standing. Under the Fair Credit Reporting Act, I request a thorough reinvestigation and the removal of all information connected to this data breach that can not be properly verified.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
I have been attempting to resolve issues with my mortgage servicer, ServiceMac, since XX/XX/XXXX, when my monthly mortgage payment unexpectedly increased by more than {$2000.00} without prior notice or adequate explanation. After spending hours speaking with customer service representatives, I was informed that ServiceMac had paid property taxes to XXXX XXXX XXXX through my escrow account, despite the fact that we were not delinquent on our taxes and intended to pay them directly ourselves. In addition, ServiceMac appears to have paid not only our XXXX property taxes, but also property taxes for periods before we even owned the property. These actions significantly increased our escrow balance and monthly mortgage payment. Separately, I was advised by a ServiceMac customer advocate that I could reduce my monthly mortgage payment by obtaining my own homeowners insurance policy. Based on that guidance, I purchased a homeowners insurance policy through XXXX XXXX in XX/XX/XXXX. However, ServiceMac has continued charging me for homeowners insurance through escrow while also failing to clearly disclose that I allegedly do not qualify for an escrow waiver. As a result, I am effectively being charged for duplicate homeowners insurance coverage. I have made repeated attempts to obtain clear explanations and corrections from ServiceMac, but I have received inconsistent information and no meaningful resolution. I am requesting that ServiceMac : XXXX. Provide a full accounting and explanation of all property tax payments made on my behalf, including why taxes for periods before my ownership were paid. XXXX. Correct any improper escrow charges and refund any amounts improperly collected. XXXX. Remove any duplicate homeowners insurance charges and reimburse amounts paid unnecessarily. XXXX. Conduct a full escrow analysis and provide accurate documentation explaining my current mortgage payment. XXXX. Clarify in writing whether I qualify for an escrow waiver and why. Additionally, due to the amount of time and effort already spent attempting to resolve these issues through standard customer service channels, I am requesting access to a direct point of contact or higher-level support representative who can oversee and resolve this matter efficiently. I can not continue spending days attempting to obtain basic answers and corrections regarding my mortgage account. I am seeking immediate correction of these issues and reimbursement for any improper charges.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OK

Complaint narrative:
My cards were all compromised and they pretty much let all my money get taken from me from online hackers. When requested for them to get me refunded they simply said it would take until XXXX. I asked for new cards and account number they would not get me new ones. The customer service likes to argue instead of resolving issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: GA

Complaint narrative:
I am writing to formally dispute false, inaccurate, and unverifiable information appearing on my consumer credit report. After multiple reviews and failed attempts at proper reinvestigation, it has become clear that your continued possession and transmission of this data constitutes criminal misuse of my personal identity under 18 U.S. Code 1028A Aggravated Identity Theft. Your agency is using my name, Social Security number, date of birth, and other identifying information to distribute false and unverifiable data, such as alleged late payments, incorrect balances, and other negative account information. Despite prior notices disputing these entries, you have continued to furnish this data without producing : Any original contracts or applications, Complete payment records, Or legally admissible proof of the validity of the derogatory entries. As a result, you are knowingly publishing and transmitting false data tied to my personal identity without lawful authority. The continued use of unverifiable information attached to my identity after dispute, and your failure to lawfully validate it constitutes aggravated identity theft under federal law. While some accounts may have originated from me, the inaccurate negative information being published now is false, lacks verification, and is being attached to my identity in a misleading and harmful manner. You are knowingly attributing inaccurate financial behavior to me, damaging my reputation, and using my PII to falsely profile me in violation of federal and consumer protection statutes.

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On or about XX/XX/year>, I sent LVNV Funding LLC, care of Resurgent Capital Services, a formal debt validation request via XXXX Certified Mail, Return Receipt Requested. The letter demanded full validation in compliance with 15 U.S.C. 1692g ( b ), including the original signed credit agreement, complete chain of title from the original creditor to LVNV, proof of Georgia collection licensing, registered agent information, statute of limitations confirmation, and Metro 2 credit reporting data. On XX/XX/year>, Resurgent Capital Services responded on behalf of LVNV Funding LLC. Their response did not constitute validation under federal law. They provided only a self-generated Account Summary Report dated XX/XX/year>, and a XXXX billing statement. Their own Account Summary Report explicitly states on its face : This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor. A self-generated internal summary does not satisfy the validation requirement. They provided no original signed credit agreement, no chain of title, no bill of sale, no licensing documentation, no registered agent information, no statute of limitations confirmation, and no Metro 2 reporting data. On XX/XX/year>, I mailed a formal Notice of Deficient Response to LVNV via XXXX Certified Mail, Return Receipt Requested. The letter identified every specific item LVNV had failed to provide and granted them an additional 15 days to fully comply. LVNV received this letter on XX/XX/year>, as confirmed by XXXX tracking. The 15-day cure window expired on XX/XX/year>. As of the date of this complaint, XX/XX/year>, LVNV Funding LLC has failed to provide proper validation and continues to report this unvalidated account on my consumer credit report. This continued reporting of a disputed and unvalidated debt is a willful and ongoing violation of : 15 U.S.C. 1692g ( b ) failure to cease collection activity pending validation 15 U.S.C. 1692e ( 8 ) communicating credit information known to be disputed without indicating that fact 15 U.S.C. 1681s-2 furnishing inaccurate or unverifiable information to consumer reporting agencies I have full documentation of every communication, including XXXX Certified Mail tracking numbers, return receipt cards, copies of both letters I sent, and a copy of LVNVs XX/XX/year> deficient response with the self-incriminating Account Summary Report attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
I received a XXXX E-Gift card as a gift with {$370.00}. There is no physical card inside the package. I followed the steps on the package, tore away the packaging to reveal the QR Code inside, Scanned the QR Code to add to my virtual wallet. Upon scanning the QR code I was prompted to download the " XXXX XXXX XXXX XXXX ''. I was required to download and log in to the app to access the money on my XXXX XXXX. At first, I received an " error '' message when trying to log in through my XXXX Account. There was no indication what the error was caused by. After successfully logging in and creating a XXXX XXXX XXXX account, I received an " error '' message every time I tried to scan the QR code. There was no explanation for the error message. I then proceeded to troubleshoot. I deleted and redownloaded the app, deleted my account, shut off my phone, and even spoke to customer service at XXXX XXXX XXXX app for nearly 40 minutes. None of the trouble shooting proved successful and after over an hour of trying I still can not access the {$370.00} on my XXXX XXXX XXXX due to the XXXX XXXX XXXX App which is a 3rd Party owned by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for XXXX from Bank of America on XX/XX/year> and my application letter was number XXXX. I was told at the time of my application that I would get an email confirming my application. I never received that email and called the service line and they told me to sign up for the app. I signed up for the app and B of A can not give you a password or you can not set one up so they have to send you a letter. I received the letter via the mail on XX/XX/XXXX. Once I received the letter, I accessed the app and loaded in the requested documentation. On XX/XX/XXXX the app advised me that my application was closed. I called customer service and asked why it was closed and my loan agent XXXX XXXX closed because I was out of the country for XXXX weeks but I continued to load in documents and advised XXXX that is what I was going to do. They contacted XXXX and they open up my account again and requested the same documents that I had uploaded to the app be sent via secure email on XXXX. I immediately uploaded the requested documents on XXXX via secure email. I checked the secure email daily with no response, and I did get confirmation that the email was sent. On XX/XX/XXXX, I emailed XXXX at his business email to confirm he received the documentation. I got a call from XXXX yesterday on XXXX, confirming he never received my documents via secure email. He asked that I send it to the business email and use it as a communication tool, but the app still shows that my account is closed. XXXX requested XXXX new documents for the first time after reviewing what I had started sending on XX/XX/XXXX. They told me I had XXXX hours or my application would be closed, and I would have to start all over again. I requested a XXXX extension because I am traveling for business, and it was denied.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
" On XX/XX/XXXX, I made a legitimate {$420.00} purchase for gift cards via XXXX XXXX using my Wells Fargo account. Shortly after, XXXX locked my account and permanently seized the {$420.00} without providing any recourse, dispute form, or appeal pathleaving me completely without the funds or the service.I contacted Wells Fargo to request a good faith credit or an executive exception to the 120-day dispute rule due to these extraordinary circumstances of merchant asset seizure. Wells Fargo refused to grant a manual exception despite the fact that I hold full digital receipt documentation proving a total loss of funds. I am requesting that Wells Fargo investigate this at a corporate level and issue a good faith credit for services paid but never rendered

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 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WA

Complaint narrative:
Company Complained Against : MOHELA through XXXX XXXX Feedback Case Number : XXXX XXXX Reconsideration Case Numbers : XXXX and XXXX I am filing this formal complaint because of a severe, ongoing administrative delay by my loan servicer that has resulted in an incorrect Public Service Loan Forgiveness ( PSLF ) payment count. I did everything required of me on time, and I should not have to spend my time managing a bookkeeping error that should have been resolved over a year ago. 1. Timeline of Events and Policy Alignment : XX/XX/XXXX : I formally and fully submitted my Direct Loan Consolidation application. Under the IDR One-Time Account Adjustment rules active at that time, a consolidated loan was legally entitled to receive the highest qualifying payment count of any underlying loans being consolidated. The strict deadline to receive these full benefits was XX/XX/XXXX. My application safely beat this deadline by three months. XX/XX/XXXX : Due entirely to severe backlogs on the servicer 's end, my consolidation application sat pending for six months before it was finally processed. XX/XX/XXXX : I received my official PSLF discharge approval letter from XXXX XXXX XXXX. The Department of Education formally validated that my XX/XX/XXXX consolidation timeline hit 120 payments, successfully forgiving the Subsidized portion of that consolidation ( Direct Consolidation Subsidized, Effective Date of Forgiveness : XX/XX/XXXX ). 2. The Systemic Error : The Unsubsidized portion of my exact same XX/XX/XXXX applicationspecifically my XXXX XXXX XXXX from XX/XX/XXXX with a current balance of $ XXXXwas completely omitted from the discharge notice. The automated system is currently displaying only 44 qualifying payments for this loan. Because the servicer delayed processing my paperwork until XX/XX/XXXX, the automated system incorrectly applied the newer, post-deadline " weighted average '' calculation rules rather than grandfathering the loan under the " highest count '' rule active when I applied in XX/XX/XXXX. While I am im going to be utilizing a forbearance to protect myself from making unnecessary out-of-pocket payments, ( I am not able to make this request until middle of XXXX because Ive paid too far ahead ) this issue should have been caught and resolved automatically over a year ago. An administrative processing backlog on the servicers end can not legally strip away a federal benefit I qualified for upon submission.

Company response to consumer: Untimely response