vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I have past due payments on a personal loan. I've been unemployed and am currently bringing accounts into current status based on a carefully determined priority and a schedule that allows me to satisfy debt obligations while still meeting my current financial needs. The Company that owns the debt has reached out to my personal cell phone, as they are allowed to do, and left messages. I do not wish to speak to them, as any conversation before I can pay the past due balance, is not productive in my opinion. The loan is through Tower Loan ( the Company ) and was made in Missouri.

Tower Loan ( the Company ) contacted my family member, whom they do not have a business relationship with, via a cell phone, which they do not have consent to contact ( Possible violation of the Telephone Consumer Protection Act ). The Company : a ) Spoke with me on the phone just a week to ten days prior to this third party contact b ) Has my phone number where they have the ability to leave a message. The outgoing message is in my own voice and has my own name. It notifies the caller I will call them back if I want or if I have a need to.

c ) The Company has my mailing address, which they have used within the last three months to send a new loan offer that I accepted - so they know any mail was received.

d ) The Company has an alternate phone number I provided in my file for someone they ARE allowed to contact. They already have left a message at that phone number.

e ) I have a long history with this company over several accounts. In every case I have reached out to them on my own when I wish to make payments over the phone.

All of these facts, in addition to the fact they've been in contact with me so recently, show that the company is not in need of locating me, and especially have no business reason to reach out to a third party to find me. The only reasons would be to annoy or embarrass me into accepting their call/contacting them before I'm able to make a payment, or to harass me.

When the company contacts third parties, on a cellular phone they do not have consent to call, their phone number and company name are displayed. They left a message telling this person they assumed was my family member that they've been trying to contact me and to please have me call them. This creates an instance where it is easily inferred that I both have an account with the Company AND that said account is in a negative status. They're actions have created a de facto disclosure of private financial data.

This activity is barred under the the FDCPA and I believe the company should pay the maximum penalty, as this type of behavior is commonplace to them EDITED TO ADD : CFPB Has an incorrect phone number for me on their file. I am contacting them to correct my typo. However, the phone number the company has for me is correct.

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Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Violation of Regulation DD ( Truth in Savings Act ) Failure to Provide CD Maturity Notice I am filing this complaint against Wells Fargo Bank for a violation of 12 CFR 1030.5 ( Regulation DD ). My 3-month Certificate of Deposit ( CD ) matured on XX/XX/year>. Contrary to federal law, despite my enrollment in paperless billing and electronic notification/disclosures, Wells Fargo failed to provide the mandated pre-maturity electronic notice or electronic alert. This omission directly contradicts the bank 's obligations under the E-Sign Act and Regulation DD ( 12 CFR 1030.5 ).

Because I was never notified of the upcoming maturity or the terms of the automatic renewal, I was unaware of the XX/XX/year> deadline to opt out. I contacted Wells Fargo Bank on XX/XX/XXXX, XXXXimmediately upon discovering the renewalto close the account. Despite my prompt action and the bank 's failure to provide the legally mandated e-notice, Wells Fargo refused to waive the early withdrawal penalty and insisted on a {$910.00} penalty ( equivalent to 3 months of interest ).

Under Regulation DD, banks are strictly required to provide subsequent disclosures for automatically renewing CDs with terms longer than one month. Wells Fargos failure to do so deprived me of the opportunity to manage my funds within the grace period. Their refusal to rectify this error after a direct request is unacceptable.

Under the E-Sign Act, Wells Fargo must send an actual alert ( email or text ) notifying me that a new document is available, however Well Fargo failed to do so!

For a sizable account, the banks failure to send a notice is a significant administrative lapse that the CFPB takes seriously.

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 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax , Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax , Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint regarding a second collection account reported by LVNV Funding LLC.

LVNV Funding LLC is reporting a collection account in the amount of {$310.00} with the original creditor listed as XXXX XXXX XXXX. I dispute this account and do not recognize the debt as reported.

I disputed this account with the credit reporting agency, and it was marked as verified without LVNV Funding LLC providing documentation to substantiate the reporting.

No original agreement, itemized billing, payment history, or proof of assignment has been provided. Verification without documentation does not satisfy the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, I received a call on my work cell phone while I was working from XXXX XXXX XXXX XXXX regarding an alleged debt owed to Nissan Motor Acceptance Corporation ( NMAC ) The incoming call displayed my employer 's phone number ( XXXX XXXX ) on my caller ID, not XXXX XXXXXXXX XXXX number. This is caller ID spoofing in violation of FDCPA Section 1692e ( false or misleading representations ). The person on the phone attempted to verify my information, but I was confused considering it was my own workplace number calling my own work phone number. When I questioned why the call showed as coming from my employer, the representative stated they use an " autodialer '' and then proceeded to attempt debt collection.

I did some research regarding the underlying debt : I returned my leased vehicle to Nissan Motor Acceptance Corporation
( NMAC ) on XX/XX/XXXX. On XX/XX/XXXX, NMAC sent me an email stating my final liability statement would be " mailed to me in the coming weeks. '' I never received this statement. At the time, the link NMAC provided in their email to access information about my final liability was expired, preventing me from reviewing the alleged charges.

I was never provided proper notice of this debt before it was reported to my credit file and referred to collections. NMAC had my email address but made no follow-up attempts via email when I did not respond to their claimed mailing. As such, I was unable to make payment over a debt I was unaware of and not given proper notice. Instead, I was met with impersonated debt collectors attempting to collect a debt months later.

I am requesting investigation into XXXX XXXXXXXX XXXX use of caller ID spoofing and NMAC 's failure to provide proper notification before credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I am filing a complaint regarding a missing student loan payment in the amount of {$300.00} related to my refinanced student loan serviced by SoFi.

Back on XX/XX/year>, this payment was originally sent to XXXX XXXX during the servicing transition to SoFi. The payment has cleared XXXX ( who have provided a check number ) but the {$300.00} does not appear as a credit on my SoFi balance, nor has it been refunded or otherwise accounted for.

I have called SoFi multiple times to report this issue and have repeatedly requested that an investigation be opened. Despite these calls, the payment remains missing, and I have not received written confirmation explaining where the funds are or how they were applied. As a last resort, I've emailed SoFi Customer Service requesting a resolution, and so far have not received any.

It appears that this represents improper payment handling and a failure to accurately credit my loan account. Additionally, this implies that my current loan balance is overstated and I have been charged excess interest as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I submitted a complaint regarding an illegal foreclosure sale that allegedly took place on XX/XX/year>. Illegal, as it is contrary to Michigan State Law regarding the statutory procedures that are REQUIRED. Specifically included within my complaint was the ffact that Rocket Mortgage committed a fatal error by completely failing, in all aspects, to publish any notice of any adjournment.

Rocket Mortgage refuses to acknowledge their crucial error, while absent any amount of empathy to the significant harm that this failure has, and continues to cause myself, as well as my entire family.

Instead, Rocket Mortgage has double-downed on their blatant violation of the laws that the Michigan Legislature has specifically lettered out as for the proper procedure which MUST be obeyed when moving to foreclose by advertisement on a home in the State of Michigan.

Rather, Rocket Mortgage answers my complaint with additional blatant lies.

The fact is, no notice of an adjournment was published, posted, listed, etc ... at anytime, at anyplace, ever. No publication can be produced to prove otherwise, because it simply does not exist.

Stop committing fraud Rocket Mortgage!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax , Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
i called citibank some time in XXXX after XXXX to make sure they had received my payments and after checking my on line account i called to close my account. of course the question was asked why i wanted to closed this account. my reason was i no longer needed this account the representative tried to get me to change my mine. but my mine was made up later i checked my credit file with experian and citibank had reported i still owe them XXXX which is not correct and they know it

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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Chase Bank because my transfer had gone from pending to nonexistent. I talked to someone at XXXX who said my transfer wasnt there he couldnt see it pending andI didnt have any transfers going to or from my account although he could see that I had linked the two accounts that I made the transfer from. I found the transfer myself on the app so I called back. At XXXX I talked to someone else who told me they could see the transfer and it was pending and funds wouldnt be made available until either the XXXX or XXXX. I said thats fine just glad you see it. 

Then instead of becoming available they go on a hold. I was never notified, never given a reason, nothing. I had to figure it out myself and then call. Meanwhile my account is overdrawn due to my paycheck being held. Its the same amount as it always is the same time or the month. It makes no sense why they would hold it this time other than to inflict overdraft fees. 

Today ( XX/XX/XXXX ) at XXXX I called them and told them they are in violation of Regulation CC, 12 CFR 229.13 and that they need to reverse my overdrafts as bank errors. They refused. Theyve given me three courtesy refunds which they claim they give three per year ( which isnt true but thats a different issue ) so theyre trying to use up my three courtesy refunds instead of admitting fault and doing what they are obligated to do. The customer service rep refused. I asked to escalate. She puts me on a long hold just for another customer service agent to answer. Still refuses to help me. I asked for escalation again, they transfer me to fraud department who says all he can do is transfer me back to customer service however instead I get a recording saying we cant help you at this time please call back. I have contacted their corporate office as well and not heard back yet. I have been a loyal Chase customer for over a decade and never been treated this way. Ive been missing payments and now accruing late fees, begging companies not to charge me due to the circumstances, and skipping grocery store runs due to not having money. This is inhumane and morally and ethically wrong. All I did was deposit money to avoid this not to accentuate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am the victim of identity theft. In XX/XX/year>, I submitted a valid FTC Identity Theft Report and supporting identification to Experian. As required under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian removed and blocked two fraudulent XXXXXXXX XXXX XXXX accounts, which do not belong to me and were never authorized by me. 

Despite receiving a written request to permanently block future re-reporting, Experian reinserted the same fraudulent accounts approximately two weeks later. When I contacted Experian , they could not provide any lawful reason for the reinsertion and improperly demanded that I re-file another identity theft report.

This conduct violates the FCRA because : 605B requires permanent blocking of identity-theft accounts once properly reported, unless the report is proven fraudulent or inaccurate.

Experian failed to provide any written notice, explanation, or evidence justifying reinsertion, as required by law.

A consumer can not be required to repeatedly file identity theft reports for the same fraudulent accounts once a valid report has been accepted.

I have now filed a second FTC Identity Theft Report and re-uploaded it to Experian solely due to Experians noncompliance.

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 2026-01-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Requested a refund check from XXXX XXXX  paid from XXXX XXXX. Its been since XX/XX/2025 that I have not received my money. I filed a complaint/dispute it was accepted and I still have not received my refund. The funds were stolen originally.

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