vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable mortgage payment history being reported by AmeriHome Mortgage on my credit file. This account reflects a mortgage loan that was transferred from a prior servicer to AmeriHome. Following the servicing transfer, AmeriHome began reporting payment history that I dispute as inaccurate and inconsistent with the established payment record on this account. The account is currently reporting as follows : AmeriHome/SM Acct # : XXXX Payment status reported as XXXX days past due Past due amount reported as {$4300.00} I dispute the accuracy and completeness of the delinquency reporting on this account. The payment history as reported does not reflect a complete and sequential progression of delinquency as required under applicable reporting standards. Additionally, the delinquency history reported by AmeriHome is inconsistent with the payment history that was established and reported by the prior servicer on this same loan prior to the servicing transfer. When a mortgage loan is transferred between servicers, the incoming servicer is required to accurately reflect the payment history as it existed under the prior servicer. The reporting currently on my file does not align with the prior servicer 's established payment history, raising serious concerns about the accuracy and completeness of what AmeriHome is furnishing to the credit reporting agencies. I am requesting that AmeriHome provide complete documentation supporting the delinquency reporting, including the full loan transaction ledger showing all payment activity from the date of the servicing transfer forward, the complete payment application history, and documentation establishing the basis for the delinquency status being reported. If this information can not be fully substantiated with complete and verifiable records, the reporting must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
I am filing this complaint against MRS BPO , LLC for severe violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding deceptive collection practices, caller ID spoofing, and failure to provide lawful debt validation. On XX/XX/year>, I sent a formal FDCPA debt validation request via certified mail to MRS BPO , LLC regarding an alleged XXXX XXXX XXXX account, demanding proof of their legal ownership or chain of title to collect this deb. In response, MRS BPO , LLC failed to provide any proof of ownership, assignment, or a copy of the original agreement. They merely sent a stack of historical charges and statements, which does not establish their legal right to collect this money. Furthermore, an agent from MRS BPO , LLC contacted me by phone. The agency intentionally spoofed their caller ID to display " XXXX XXXX '' to mislead me into believing I was speaking with my original bank. During the call, the agent explicitly lied, stating they were the " internal collections division of XXXX XXXX. '' When I requested a pay-to-delete settlement, the agent refused, continuing the false narrative that they were the bank. Under FDCPA XXXX, it is illegal for a debt collector to use false, deceptive, or misleading representations, including misrepresenting their identity or masking their caller ID. Because they have failed to legally validate their ownership of this debt and have used illegal, deceptive phone tactics, I want them to cease and desist all contact and close this file.

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
I am filing this complaint regarding the remaining balance being reported after my vehicle was repossessed. The company is reporting that I owe a remaining balance of approximately {$10000.00} after the repossession. I requested documentation supporting this balance, including the vehicle sale or auction records, sale price, deficiency balance calculation, account payment history, repossession records, and an itemized explanation showing how the remaining balance was determined. Despite my request, I have not been provided sufficient documentation to verify the accuracy of the amount being reported. Without these records, I am unable to determine whether the balance is accurate or whether all credits from the sale of the vehicle were properly applied to the account. I am requesting that the company provide complete documentation supporting the remaining balance, including all records related to the repossession and sale of the vehicle. If the company can not verify the accuracy of the balance and information being reported, I request that the balance be corrected and any inaccurate information furnished to the credit reporting agencies be removed or updated accordingly. I am seeking a full investigation and a written response explaining how the remaining balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX i was in the hospital with a friend for over 3 months because of XXXX. I lost my phone but had my wallet with me but charges from my account totaling {$6600.00}. My claim was denied in less than 5 business days when MyWisely didnt investigate my case at all and I was willing to submit documentation supporting my case but my case has been denied when I also sent in form before 10 business days to recieve provisional credit while my case is getting investigated but no actions has been made and this is absolutely wrong when my money is insured by FDIC XXXX I want this claim fixed and my funds returned back to my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding a refund dispute with Affirm. I financed a XXXX XXXX purchase through Affirm in the amount of {$4300.00} at a 15.99 % APR. The merchandise was returned in full, and XXXX XXXX ultimately issued a full refund of {$4300.00}. The returned merchandise was delivered to XXXX XXXX on XX/XX/2026. According to XXXX XXXX published return policy, returns are generally processed within 57 business days after receipt. Despite receiving my return on XX/XX/XXXX, XXXX XXXX did not issue the refund until XX/XX/2026. Affirm then applied the refund to my loan on XX/XX/2026. During this period, I continued making payments solely to keep my account current and avoid any negative impact to my credit. I made a payment of {$270.00}. After the refund was applied, Affirm refunded only {$190.00} and retained {$73.00}, stating that the difference represented accrued interest. Affirm explained that the interest was properly charged because the loan remained active until the merchant refund was received and applied. While I understand Affirms explanation, my concern is that the interest accrued during a period when the returned merchandise was already in the merchants possession and the delay in processing the refund was completely outside of my control. I returned the merchandise promptly, complied with all return requirements, and continued making payments only to protect my account. Once the merchant received the return on XX/XX/XXXX, I had no ability to accelerate the refund process or prevent additional interest from accruing. As a consumer, this experience has left me feeling that I was required to absorb the financial consequences of merchant and processing delays despite doing everything required of me. The merchandise was fully returned, the merchant issued a full refund, and yet I was left paying {$73.00} in interest while waiting for the merchant and lender to complete the refund process. I attempted to resolve this matter directly with Affirm and through the XXXX XXXX XXXX. Affirm declined reimbursement and maintained that the interest was non-refundable under the loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Sparrow Financial, Inc.
State: DE

Complaint narrative:
I am filing this complaint against Sparrow Credit Card because they are using predatory fee structures to block me from resolving my debt during a financial hardship.The Issue : I experienced a severe financial crisis and contacted Sparrow to request a hardship program or payment arrangement. They completely refused to help or offer any options.Account Status : Out of frustration with their total lack of cooperation, I closed my account.The Damage : Even though the account is closed and I can not use it, Sparrow continues to pile on high interest and aggressive monthly fees. This makes it impossible for me to pay off the balance and is intentionally trapping me in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: UT

Complaint narrative:
On XX/XX/2026 I filled out an application and paid a XXXX $ fee to see if I was approved for a stuido apartment at XXXX in XXXX XXXX, Utah. It was a back up plan in case I wasn't able to get approved for a place with my friend. I had communicated this up front. On the XXXX they called me congratulating me that I got approved for the place. I told them I was needing to wait to move forward. They told me this is ok. I went in person on the XXXX and talked to someone I think there name was XXXX. I asked to rescind my application and it went as one would expect i was told it was cancelled. I called on the XXXX just to make sure all was good and closed out. I was told that there was nothing else I needed to do. Within a couple days I had got approved at the place with my friends, and forgot all about XXXX. Until i got a call on XX/XX/XXXX the day before my orginal move in date if were to have moved forward. Someone from XXXX called me asking if I was excited to get moved into my new place tomorrow. I told them I had already called and gone in person to cancel my application and I was not moving forward. They seemed confused and said someone would reach out in a week for follow up. I never heard back from them. Fast forward to XXXX, I get home from a work trip to see I know have a collections notice for {$250.00}! I recieved no notice, no call, no email, nothing. It just went straight to collections. I can find no supporting documentation provided by the collections people or XXXX XXXX stating I agreed to a XXXX fee. Attached are my call logs and files showing a * pending * deposit, as well as the only document it shows on my profile that I signed stating that the deposit is nonrefundable if I cancel The thing is it never went far enough for me to even pay a deposit! It says non refundable not " You will owe us money if you cancel. '' There is no notice of fees or anything else I can find. I added a final document from the collections page showing they have no supporting documents for this debt. I tried clicking the request documents button and it does nothing. You can see with my cursor over it that in the bottom right corner it shows XXXX : void the button isn't even an actual button. The whole thing reeks of trying to take money from people with out proper documentation. As well there contact us button sends you on an infinite loop where it asks you to sign in before pressing the contact us button. You sign in and it still will just redirect you to the login page..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
BRIDGECREST CREDIT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX RE : Formal Debt Validation and Credit Reporting Dispute Under FDCPA and FCRA To Whom It May Concern, I am formally disputing the validity and reporting of the above-referenced alleged account pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681 and 15 U.S.C. 1681b. According to my consumer report, this account is being reported as a charged-off account and allegedly transferred or sold. I dispute the completeness, accuracy, and legal enforceability of this reporting. I have never provided written consent authorizing your company, or any third party acting on your behalf, to furnish, obtain, or continue reporting my personal information without proper lawful authority and permissible purpose. Therefore, I request complete validation and verification of this alleged account, including but not limited to the following : 1. A copy of the original signed application, agreement, or contract bearing my signature ; 2. Complete account statements and payment history ; 3. An itemized accounting of the full balance claimed ; 4. Documentation proving the date and terms of any alleged transfer or sale of the account ; 5. Copies of any assignment, bill of sale, or ownership transfer records ; 6. Proof that XXXX XXXX has lawful authority to report or collect on this alleged account ; 7. Verification of permissible purpose under 15 U.S.C. 1681b ; 8. Verification that all information being furnished to consumer reporting agencies is complete and accurate. If your company can not provide competent legal documentation validating this alleged account and the reporting thereof, I demand the following : - Immediate deletion of this account from all consumer reporting agencies ; - Immediate cessation of any collection or reporting activity ; - Written confirmation that the account has been removed and marked disputed. Please note that reporting unverifiable, inaccurate, or incomplete information may constitute violations of federal law. All future communication regarding this matter must be made in writing only. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My Chime account was hacked into. There were a total of XXXX withdraws to random people who I do not know in the amount of {$2400.00}. I filed a police report as well on this activity. The police said this would be available within XXXX business days. I received notice from Chime that my claim was " denied '' and I would know the reasoning why within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: Block, Inc.
State: GA

Complaint narrative:
I made a purchase using my Cash App card XX/XX/XXXX and all services were not rendered. They charged me for checked luggage twice. I filed a dispute with Cash App on XX/XX/XXXX and was told in 10 business days they would reach a decision. On Friday XXXX I called back because I hadnt heard anything and was told it would be escalated and I would receive written notification. ( That dont happen ) I called back XX/XX/XXXX and was placed on hold. Ironically, the claim was resolved and denied XX/XX/XXXX, I never received sufficient details, why it was denied, nothing. I then asked to escalate it because my consumer rights were violated. For a Reg E dispute ( unauthorized electronic transaction, debit card fraud, ACH fraud, etc. ), the general timeline is : 1. You report the error to your bank ideally within 60 days of the statement date where the transaction appeared. 2. Bank investigation * The bank generally has 10 business days to investigate and resolve the dispute. * If they need more time, they can extend the investigation to 45 calendar days ( up to 90 days for certain transactions ). 3. Provisional credit * If the bank can not complete the investigation within 10 business days, they generally must provide provisional credit to your account while the investigation continues ( if youve provided the required information ). 4. Final determination * The bank must notify you of the results. * If the claim is denied, they must explain why and provide documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: World Acceptance Corporation
State: OK

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX, World Finance contacted my father regarding an alleged debt. I have no contact with this individual and his information is not associated with my account. By contacting a third party when I am directly reachable, World Finance violated the Fair Debt Collection Practices Act ( FDCPA ) prohibition on third-party disclosures. When I contacted World Finance to inquire about this privacy violation, the representative refused to explain the unauthorized contact and deliberately falsified internal records by marking my inquiry as a 'refusal to pay. ' This is a deceptive practice intended to intimidate me and misrepresent my request for information as a refusal to cooperate. I am requesting a formal investigation into these abusive and deceptive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: Chime Financial Inc
State: OR

Complaint narrative:
There were 67 individual transactions for {$2.00} each made to XXXX and 79 individual transactions, also for {$2.00} each, made to XXXX, all of which occurred within 1 minute within my checking account on Chime .I did not make these transactions, authorize them, nor do I know who made them. As soon as the transactions occurred I got a notification on my phone and called Chime informing them of the fraudulent charges. They suggested cancelling my card and did so, but told me they couldnt dispute the charges until they were finalized and no longer pending. After the transactions were finalized, I disputed for the full amount of the {$290.00} dollars and Chime personnel instead only disputed {$120.00} and then later denied the dispute. When I later asked for evidence as to why my claim was denied, the agent told me he would email the proof documents, but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I had received multiple letters from Resurgent capital service account number XXXX XXXX XXXX XXXX for {$120.00} reference the number XXXX. This account has been removed from my credit report, Resurgent is still trying to collect off of this account. Resurgent capital service account number XXXX XXXX XXXX XXXX XXXX the current owners LVNV funding Llc account number XXXX {$89.00} this account I am not aware of or it has already been surpassed, the statute Resurgent capital service account number XXXXXXXX XXXX XXXX XXXX XXXX$310.00} current owner LVNV funding Llc reference number XXXX Resurgent capital service account number XXXX XXXX XXXX XXXX XXXX XXXX LVNV funding Llc reference number XXXX balance XXXX and {$1000.00} Your investigation you will find that multiple accounts that they have for me listed or pass the statue of limitation, and theyre still trying to collect on these accounts document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
CRITICAL LIFE-SAFETY EMERGENCY / EXPEDITED EXECUTIVE OVERRIDE REQUIRED.I am a local first responder. Service Finance Company ( a subsidiary of Truist Bank ) has wrongfully denied my emergency HVAC loan application ( Application XXXX ) with my new dealer, XXXX, due to a severe internal database error. An older loan ( Account XXXX ) was officially canceled by the original vendor, XXXX XXXX, who subsequently removed all climate control equipment from my property. I have attached concrete proof of this cancellation. Because Service Finance has failed to update Account XXXX to a {$0.00} canceled status in their system, my credit profile is being artificially inflated, triggering an automated denial for my new XXXX loan. My home currently has ZERO air conditioning, creating an immediate, dangerous heat hazard for my household while I am away serving the community. Front-line staff claim they are limited and can not clear the system red tape. I need an immediate executive manual override to clear the legacy account and approve my pending XXXX application so emergency HVAC equipment can be installed.

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 2026-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I realized that there were XXXX charges on my account that was used on XX/XX/XXXX and it posted to my BoA statement on XX/XX/XXXX. All charges were on the same day. Charges : {$390.00} XXXX XXXX {$360.00} XXXX XXXX MD {$400.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX : {$3200.00} XXXX reported the charges and filed a dispute when I received my XXXX statement. XX/XX/XXXX I called as the charges were not reversed and they told me that the claim was not approved as it was recorded as POS. I have never used my card that way and was not in the area or have gone to thes stores.

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