vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Back in XXXX of XXXX, I had a cell phone service with XXXX XXXX XXXX for approximately XXXX hours. I was unhappy with the customer service so decided to cancel services within 2 days. I was told everything was cancelled and the account was clear. A few months later i received a bill for XXXX dollars. I called and went up to the stores 3 times to fix. I was able to get ahold of the XXXX department XXXX XXXX XXXX XXXX who removed the balance and explained again my account was clear. On Tuesday, XX/XX/XXXX, I checked my credit report and noticed a charge of {$400.00} dollars for XXXX XXXX XXXX. So, I went to the store and they stated they couldn't help me. I later got ahold of the customer service who explained the company mistakenly opened the account back up and is why i have this charge. they removed the charge again and provided me with notes and statement stating i owe nothing and advised i dispute this. How is it i have to dispute something that wasn't my fault. Now my score has gone down by XXXX points.

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 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I am experiencing an ongoing lack of transparency regarding my student loan forgiveness timeline. Aidvantage sent me an official letter ( Case # XXXX ) confirming that my XXXX XXXX ( XXXX ) timeline began on XX/XX/XXXX. Because it is now XXXX, my loans have been in active history for over XXXX years, which exceeds the XXXX ( XXXX ) requirement for forgiveness. Despite this XXXX timeline, Aidvantage claims XXXX have not reached forgiveness. However, they explicitly admit in writing that they can not show me my actual numbers because 'payment counters are temporarily unavailable. I have asked several times beginning When I contact Aidvantage to demand my data, they give me the runaround and tell me that StudentAid.gov must provide the count. When I contact StudentAid.gov, they tell me my servicer holds the data. Furthermore, the StudentAid.gov dashboard is currently blocked with an update message, preventing me from downloading my own file. Both entities are blaming each other while keeping my history hidden. I am being denied forgiveness based on a calculation that neither side will show me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: PR

Complaint narrative:
amount allegedly owed is XXXX $ with a balance of XXXX $ as of 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 2026-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I submitted several documents with my name and address on every piece of document that I have submitted from military official documents with my name and address letters from the housing community that I reside with my name and address and other piece of documentation that verifies my address and Pentagon Federal credit union will not grant me membership into the establishment due to a randomize reason for every piece of document that I have submitted and I keep getting denied for membership into this establishment and Ive been trying for two weeks with submitting a piece of document every day that has my name address and other information they have requested that is fully verified I feel as if Im being XXXX XXXX and I feel very offended.

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 2026-06-10 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: CA

Complaint narrative:
A recent data breach resulted in the compromise and unauthorized use of my personally identifiable information. As a result, my credit report has incorrect late payment records, strange credit inquiries, and unauthorized accounts that I did not open, approve, or recognize. I am formally demanding a thorough reinvestigation of these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I request that any information that is determined to be false, fraudulent, or unverifiable be permanently removed from my credit file. An Identity Theft Report and other supporting materials are enclosed to help with your inquiry.

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
Re : AFFIRM case # XXXX. Called multiple times ( they are in XXXX ), got passed on and never got anywhere. XXXX Loans done for purchase off XXXX. Gave them the loan id numbers of the XXXX with the amount they say i owe and gave them what I really owe. AFFIRM says I owe XXXX.......... but I owe after looking at the deductions is really a total of these XXXX loans XXXX. The dates vary. I would say I made XXXX different phone calls and either they hung up or I couldn't understand them in the customer care dept. I asked please contact me and correct you website of payments. It is frustrating and now I am waiting for them to contact me. Here are the loan ids : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; AND XXXX. I contacted XXXX first and they said it isn't their problem it is AFFIRMs problem with their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home 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: Freedom Mortgage Company
State: VA

Complaint narrative:
This is a formal complaint against Freedom Mortgage Corporation for a direct violation of RESPA Regulation X ( 12 CFR 1024.41 ) for failing to evaluate a complete loss mitigation application within the 30-day statutory timeline. On XX/XX/year>, my household requested a temporary forbearance due to an involuntary layoff. On XX/XX/year>, Freedom Mortgage issued a letter stating the application was incomplete solely because it lacked an " Imminent Default Certification. '' The letter gave a deadline of XX/XX/year>, and instructed me to return the document to LossMitigation @ XXXX Per those instructions, I emailed the completed certification to that exact email address on XX/XX/year>, rendering the application legally complete. Under 12 CFR 1024.41 ( c ), Freedom Mortgage had 30 days to evaluate the file. That deadline expired in late XX/XX/year>. This illegal administrative delay is forcing my household to absorb an unaffordable cash burn to maintain our approximately {$1700.00} monthly payment to protect my credit. To enforce this, I have concurrently mailed a formal RESPA Notice of Error to Freedom Mortgage 's designated P.O. Box via USPS Certified Mail with Electronic Return Receipt Confirmation ( Tracking Number : 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 2026-06-10 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: NC

Complaint narrative:
I am writing to formally request an investigation pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i. After reviewing my consumer credit report, I have identified information that requires verification. I am requesting that your agency conduct a reasonable investigation of all disputed information and ensure compliance with all requirements imposed by the Fair Credit Reporting Act. Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information and complete that investigation within thirty ( 30 ) days of receipt of this dispute. If any information can not be verified through your investigation, the FCRA requires that such information be deleted, modified, or otherwise corrected. Please provide each furnisher of the disputed information with all relevant information regarding this dispute and require them to substantiate the accuracy and completeness of the information being reported. If any furnisher can not provide competent evidence supporting the information reported, I request that the information be removed from my consumer file immediately. Furthermore, pursuant to the FCRA, I request that all unverifiable, inaccurate, incomplete, or unsupported information be deleted from my credit report. If any item is verified, please provide the method of verification used, including the name, address, and telephone number of the party contacted during your investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: OR

Complaint narrative:
I recieved a {$1000.00} credit from XXXX for an overbooked flight. I used this to purchase what i thought was a prepaid gift card to use the funds. What i purchased per XXXX was " {$1000.00} Visa Reward Virtual Account, XXXX Expiration '' I tried to use the reward card at XXXX vendors, XXXX XXXX and XXXX. It failed every time i tried it online, i then called the company ( yourrewardcard ) who told me to call over the phone to process the order, I then called XXXX and they tried to process it three times for me and it failed. I then called the company ( yourrewardcard ) again and they told me it was my fault and i had to pick another vendor. I then tried to purchase a {$1000.00} gift card through XXXX with the funds as i saw online that had worked for other people. it did not for me. Then i called XXXX and they transferred me XXXX times before transferring me back to ( yourrewardcard ). Per the website https : //www.yourrewardcard.com/ where it is hosted it is stated that this card XXXX be used at any place XXXX is accepted in the United States. Clearly thats not the case. I can not determine even which cardholder agreement i am subject to, its too complicated and the customer service team gets aggressive when you start to ask any question regarding declined payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We were notified yesterday that Chase put a hold on all of our accounts and is processing whether to close them all. We went to the local Chase branch XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and are working with a representative there. The representative at the local Chase bank is trying to get information for us, but has not been able to get us any information at this point. Today {$200.00} was taken out of an account that we opened on Friday of last week and the local Chase bank representative is saying they are going to mail the money to us. There is not anyone at XXXX that we can call to get any information regarding why this is happening. We have been with XXXX for over 20 years. This whole ordeal is very frustrating and inconvenient. We just want to figure out why this is happening and how to talk to someone about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I applied for an Ally Bank account and was denied. The rejection email stated my identity could not be verified. I called customer service and was told nothing could be done. I also sent a formal appeal email and received no response after several days. Ally Bank did not provide a specific reason for the denial, did not offer any alternative verification method, and did not respond to my written appeal. I am requesting that Ally Bank either reconsider my application or provide a clear explanation for the denial. ''

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 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I am filing an emergency complaint against Fay Servicing regarding my active Trial Period Plan ( TPP ) loan modification for Loan Number XXXX My second trail modification payment was schedule on XX/XX/XXXX. Fay Servicing failed to pull the funds on the due date. Instead, they initiated a delay " Retry '' draft days later, which resulted in a Non-Sufficient Funds ( NSF ) return from my bank due to the processing timeline. The moment I saw the bank rejection, I immediately called Fay Servicing to fix it. I explicitly told them I have the funds available. I requested to make an immediate payment and asked if a payment could be drafted again. I also asked if I could XXXX XXXX the funds. Fay Servicing agent flat out refused to accept my either one of transactions. They stated that because the calendar has turned to a new month, their system locks them out from running or applying a payment for the previous month 's trail cycle. The agent told me that he would have to run 2 payments instead of one. They are refusing to accept my money, refusing a supervisor override, and forcing my Trial Period Plan to fail despite my immediate ability and willingness to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSON CAPITAL LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I went to Wells Fargo branch in XXXXXXXX XXXX XXXX to payoff a personal loan. I was told the payoff was {$19000.00}. I paid them that amount, however I looked at my app and it showed I had a balance of over {$140.00}. I went to the bank and asked to speak to the XXXX, she would never come out of her office to talk, just kept sending XXXX back and forth to gather information. They told me that the app information showing the payoff amount isn't correct. I told them XXXX looked it up in their system and she told me how much. Now they tell me it's interest from the last payment period. I asked them why a teller that has been there more than 30 years doesn't know this. Answer was they change the way it's done all the time. I told him I would pay that and meanwhile I would get my Ss, my wife 's SS and my pension moved to another bank and then when I come back I will close my account. This didn't bother them in any way.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I dont know any of the companies that bought the debit and they are asking me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to formally request an investigation pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i. After reviewing my consumer credit report, I have identified information that requires verification. I am requesting that your agency conduct a reasonable investigation of all disputed information and ensure compliance with all requirements imposed by the Fair Credit Reporting Act. Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information and complete that investigation within XXXX ( XXXX ) days of receipt of this dispute. If any information can not be verified through your investigation, the FCRA requires that such information be deleted, modified, or otherwise corrected. Please provide each furnisher of the disputed information with all relevant information regarding this dispute and require them to substantiate the accuracy and completeness of the information being reported. If any furnisher can not provide competent evidence supporting the information reported, I request that the information be removed from my consumer file immediately. Furthermore, pursuant to the FCRA, I request that all unverifiable, inaccurate, incomplete, or unsupported information be deleted from my credit report. If any item is verified, please provide the method of verification used, including the name, address, and telephone number of the party contacted during your investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint because the account listed above does not belong to me and was never opened, authorized, approved, or agreed to by me. I have never applied for this account, utilized it, or received any benefit from it. Despite previously notifying both the company and the consumer reporting agencies of this matter, the account continues to be reported on my credit file and is causing significant harm to my credit profile. Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681s-2, I am requesting that this inaccurate account be thoroughly investigated and permanently removed from my credit file if it can not be substantiated through valid, competent, and legally sufficient documentation. I further request that the furnisher immediately cease reporting this disputed information and take all necessary actions to ensure its complete removal from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 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: PA

Complaint narrative:
I am submitting this complaint because the account listed above does not belong to me and was never opened, authorized, approved, or agreed to by me. I have never applied for this account, utilized it, or received any benefit from it. Despite previously notifying both the company and the consumer reporting agencies of this matter, the account continues to be reported on my credit file and is causing significant harm to my credit profile. Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681s-2, I am requesting that this inaccurate account be thoroughly investigated and permanently removed from my credit file if it can not be substantiated through valid, competent, and legally sufficient documentation. I further request that the furnisher immediately cease reporting this disputed information and take all necessary actions to ensure its complete removal from all consumer reporting agencies.

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