vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft since XXXX following a data breach from my previous employer. Since then, multiple fraudulent debts have appeared under my name. One of them is from National Credit Systems, a debt collection agency for XXXX XXXX XXXX in XXXX. I have never lived in the state of XXXX. I filed a dispute with National Credit Systems explaining that someone used my identity to apply for a lease at XXXX XXXX XXXX, and that the property failed to properly verify the applicants identity. I also contacted the apartment manager, but she refused to assist me, falsely accused me of being a scammer, and did not request any documentation to investigate the issue. Communication with the apartment management has been extremely difficult, and I have received no response since submitting my dispute. There are currently four addresses associated with my credit that I have never lived at : 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 XXXXXXXX I filed a police report with my local police department and was advised to have them contact the XXXXXXXX XXXX XXXX to initiate an investigation. Since early XXXX, I have not received any response. I have also filed disputes with all three credit bureaus but have not yet received a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: LA

Complaint narrative:
I purchased a XXXX XXXX XXXX from Carvana after reviewing the vehicle listing, which clearly stated that the vehicle had passed Carvanas advertised XXXX inspection and showed no major problems or damages. I am submitting this complaint to report what I believe to be deceptive advertising and unfair business practices by Carvana regarding the sale of a vehicle that was represented as fully inspected and free of major mechanical issues. One of the primary reasons I felt confident purchasing my vehicle from Carvana was the companys advertising that every vehicle undergoes a comprehensive XXXX inspection before being listed for sale. Carvana represents to consumers that this inspection evaluates critical mechanical components such as the engine, transmission, drivetrain, brakes, and overall vehicle safety, and that vehicles not meeting their standards are not sold. Based on these representations, I reasonably relied on Carvanas inspection claims when deciding to purchase the vehicle. However, shortly after receiving the vehicle, it developed serious transmission issues and is currently undrivable and has been in the repair shop for approximately two weeks with no resolution. A failing transmission is a major mechanical defect that should have been identified during a thorough inspection. The fact that this issue was not disclosed despite Carvanas advertised inspection process raises serious concerns that the vehicle may not have undergone the level of inspection that was represented to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Servicer : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). State case : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$310000.00} ( XX/XX/XXXX ). Sale : XX/XX/XXXX. TRUST MISIDENTIFIED : XXXX XX/XX/XXXX RESPA response ( Case # XXXX ) identifies the note owner as XXXX XXXX XXXX, XXXX XXXX. The actual trust is XXXX XXXX, XXXX XXXX. These are different legal entities with different XXXX and investors. The servicer can not correctly identify who owns the loan. XXXX XXXX. XXXX ( d ) requires accurate information in response to a request for information. ACCOUNTING : The XXXX, XXXX transaction history shows {$0.00} to principal, {$0.00} to interest, {$0.00} to escrow on every entry. Principal frozen at {$96000.00} with no amortization. No running balance. On XX/XX/XXXX ( transfer date ), XXXX NOCASH ADJ entries backfilled five years of charges, internal reconciliation entries, not real transactions. On XX/XX/XXXX, ~160 bulk entries loaded ( REF # XXXX, no invoices, no vendor names ). CPA reconciliation : {$57000.00} ( XXXX, XX/XX/XXXX ). XXXX claims XXXX XXXXXXXX XXXX XXXX. XXXX {$310000.00} matches none of six payoff quotes. FEES : Legal fees dropped {$2000.00} between XX/XX/XXXX and XX/XX/XXXX with no reversal. Inspections dropped {$1700.00}. Servicer advance of {$6500.00} vanished between servicers. Escrow : - {$64000.00} balance on {$5900.00} annual disbursements. Unexplained {$57000.00} entry. RESPA : XXXX QWRs filed since XX/XX/XXXX. XXXX resolution letters, every-one says no error occurred without addressing specific errors. No running balance produced. 12 U.S.C. 2605 ( e ) ( 2 ) requires the servicer to provide the information requested or a written explanation. The borrower wanted to pay, XXXX XXXX case notes state she was informed not to. No servicer has stated a monthly payment to resume. We can not refinance, sell, or resume payments because the servicers own records show different balances every time and never provide a running total. Three independent comparative market analyses ( XXXX by XXXX XXXX, XXXX by XXXX XXXX, both XXXX Banker, spanning XXXX XXXX XXXX ) place the homes as-is value between {$160000.00} and {$220000.00}. The listing brokers condition-adjusted range is {$160000.00} {$190000.00} after inspecting the property and documenting needed replacements of original XXXX systems. The nearest comparable, XXXX XXXX XXXX, same street, sold for {$170000.00} on XX/XX/XXXX. The servicer seeks {$320000.00} {$340000.00}, more than double the as-is value, based on records it can not reconcile. We ask the CFPB to enforce federal servicing laws, not adjudicate the foreclosure. We ask the CFPB to require the servicer to suspend foreclosure activity, including the XX/XX/XXXX sale, while it investigates these accounting and RESPA failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Formal Dispute of Incorrect Balance After Account Closure To Whom It May Concern, My name is XXXX XXXX. I previously had a credit card account with Capital One. Approximately 10 months ago I closed this account after paying the full balance owed at that time. Recently, I was notified that there is an outstanding balance on this closed account. I strongly dispute this claim because the account was paid in full before it was closed. At the time of closure, I made the payment required to bring the balance to zero. This situation is now negatively affecting my credit report, which is very concerning. I am requesting the following : 1. A full investigation of this account. 2. Written proof of the alleged balance they claim I owe. 3. Immediate correction of any inaccurate information reported to the credit bureaus. 4. Removal of any negative marks related to this issue from my credit report if the balance is incorrect. If this matter is not resolved promptly, I will escalate the complaint to the appropriate consumer protection agencies. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX, Equifax XX/XX/year> and Transunion XX/XX/year>XXXX Amount : {$1100.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 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: Fay Servicing, LLC
State: MD

Complaint narrative:
XX/XX/XXXXXXXX total payment {$4300.00} was received and deposited by Fay Servicing. However, Fay Servicing not applied to account stating delivered after XXXX XXXX, XXXX ; XX/XX/XXXX ( {$1600.00} ) / XX/XX/XXXX ( {$2600.00} ). On XXXX XXXX, XXXX, Fay Servicing filed an Intent-to-Foreclosure & locked access to my account. Proof forwarded by XXXX XXXX XXXX XXXX XXXX faxed on XXXX XXXX, XXXX. Followed up on XXXX XXXX, XXXX, for reinstatement of plan that was still under review. The plan was to be modified to reflect correct mortgage payment {$1500.00} instead of the {$1600.00}. In addition, repayment amount for XXXX months {$980000.00}. Fay Servicing is threatening foreclosure if do not pay for nine missing payments XX/XX/XXXX- XXXX XXXX. I have paid for XXXX XXXX & XXXX XXXX ; payment for XXXX XXXX was returned. XXXX XXXX payment reflected the {$1500.00} ( not {$1600.00} ) and repayment {$1800.00}, as overpaid for XXXX XXXX ( {$2600.00} ) /XXXX XXXX ( {$2600.00} ). Fay Servicing is charging for payments already received and deposited. Fay Servicing is refusing to acknowledge documents of proof from XXXX and myself. Fay Servicing has filed an Intent-To-Foreclosure with a XX/XX/XXXX, date for an official notice. Fay Servicing is operating in deceitful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : Different Date Opened on XXXX, Equifax Between Transunion Amount : Unknown ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Enrolled in biweekly payments XX/XX/year>XXXX Wells Fargo held half-payments in suspense instead of applying them immediately This was never verbally explained at enrollment only buried in fine print Wells Fargos defense that it was mentioned in the document is inadequate Requesting retroactive recalculation from XXXX, immediate correction, and financial compensation for 4 years of harm Attached the formal complaint letter And attached some of the bank statements for reference

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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
About XXXX dollars of clearly fraudulent purchases were made and they called me and we went over which charges were legit and fraudulent. They initially gave me provisional credit and then suddenly took it all back without saying anything. I just can't financially take that hit for stuff I didn't even purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i deposited 4 checks XXXX and XXXX and XXXX the XXXX XXXX bounced and the other 2 small checks are still there. and i need it. account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I submitted a letter to have them validate the debt on my cr report. Instead of replying as legally required, they removed the debt listed as individual account and instead are listing it as a joint account. They are using illegal tactics to damage my credit and are changing details of the reporting to make it look like they are different accounts to get around it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: NY

Complaint narrative:
WESTLAKE FINANCIAL SVC i gave my car back to the Westlake Financial because my job contract was over and I couldn't pay for the car still so I called them and they took it back to the company. When spoke with customer service the said that I have sold my car and I a balance of {$3000.00} I send to i am not employed at the time so I couldn't pay my car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
During the second and third weeks of XXXX, our savings accounts and XXXX XXXX childrens ' savings at Wells Fargo were hacked via XXXX and wire transfers for a total loss of {$35000.00}. Here is the timeline of recent events : XX/XX/XXXX : Primary Wells Fargo savings account and both kids Wells Fargo savings accounts were hacked resulting in a total theft of {$35000.00} o The unauthorized transactions included five XXXX transfers followed by three wire transfers, draining the accounts. o No notifications of suspicious activity were received by XXXX or XXXX XXXX XXXX 's wife ). XX/XX/XXXX : XXXX visited the XXXX office and worked with XXXX XXXX ( XXXX XXXX ) to report the issue and submit a claim. Week of XX/XX/XXXX ( XX/XX/XXXX ) : The claim was denied on the basis that XXXX allegedly authorized the transactions. XXXX then requested an escalation of the claim. XX/XX/XXXX : XXXX received a second denial letter from XXXX XXXX ( Escalations Associate ; XXXX XXXX XXXX. XX/XX/XXXX : A police report was filed immediately, and a detective ( XXXX XXXX ) is investigating. XX/XX/XXXX : XXXX followed up with XXXX and said they are looking into the claim again and would get back to XXXX within 10 days ( on or before Monday, XX/XX/XXXX ). XX/XX/XXXX : XXXX called back to say they are once again denying the claim. Next steps : Filing complaints with the Consumer Financial Protection Board and the Office of the Comptroller of the Currency. Attached are the police report, the first two denial letters from Wells Fargo, the timeline that the thefts occurred and the document where Wells Fargo believes it was XXXX who authorized these transactions. The most important factor aside from XXXX word is that in 20 years as a customer, we have never ( not once ) sent anyone or made a payment directly from the savings accounts where this money was stolen from. If we ever wanted to make a purchase, we would transfer the money from savings to checking and make the payment that way. Thank you for your assistance in returning this money to us.

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 2026-03-11 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:
Servicer ignored prior CFPB resolution ( XXXX ) refused to escalate to investor reporting delinquency during active mitigation review I've been attempting to resolve this error since XXXX XXXX to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
On Tuesday XX/XX/year>XXXX I was woken up after working a twelve hour night shift at a hospital to Chime calling me about my account being hacked. Chime has done this before about possible fraudulent charges to my account. I was sent multiple OTP ( one time passcodes ) from Chime to give the customer service representative to be able to change my email on the account and phone number. My account was closed, all my money in savings and my checking account was transferred to something called XXXX and I didnt authorize this at all. I have tried to dispute this transaction 3 times and have been denied all three times even though I have turned in all the documents I have to prove that I didnt authorize this and every representative Ive spoken to have denied me to be able to speak with a supervisor, Chime has refused to refund my money, and I have already went to the local authorities and filed a police report about the matter.

Company response to consumer: Closed with non-monetary relief