vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am disputing improper force-placed insurance charges assessed by my mortgage servicer, Mr. Cooper. 

My homeowners insurance policy lapsed on XX/XX/year>. Mr. Cooper did not provide me with any notice of missing insurance until XX/XX/year>. 

Under RESPA and Regulation X ( 12 CFR 1024.37 ), a servicer may not assess force-placed insurance charges unless it first provides timely written notice and an opportunity to cure. Charges may only be imposed after proper notice. Despite this, Mr. Cooper has attempted to assess force-placed insurance charges retroactively for the period prior to XX/XX/XXXX. 

I submitted a formal Notice of Error under 12 CFR 1024.35 disputing all force-placed insurance charges prior to XX/XX/XXXX. While that dispute was pending, Mr. Cooper proceeded to purchase force-placed insurance and issued a demand for payment including retroactive charges. 

I am requesting that Mr. Cooper : Remove all force-placed insurance charges assessed prior to XX/XX/year> ; Correct my account to reflect compliance with Regulation X ; Confirm that no delinquency or negative credit reporting will occur related to disputed charges. 

Mr. Cooper has not demonstrated that it provided timely notice prior to XX/XX/XXXX, and these retroactive charges are not compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Lending Services LLC
State: IA

Complaint narrative:
I Paid My Note And The Repo driver attacked me and when I was getting in the vehicle to pull off and threaten me and call the police and tried to arrest me or give them the car so the driver was upset that i left in my car so they filled a police report to put me in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: TX

Complaint narrative:
Identity Theft Victim Notification Request for Action Under 15 U.S. Code 1681c2 To Whom It May Concern, I am contacting you to formally notify you that I am a victim of identity theft. Fraudulent accounts and/or transactions have been made using my personal information without my knowledge or consent. I did not authorize these actions and they do not reflect my financial activity or responsibility. Pursuant to 15 U.S. Code 1681c2, also known as Section 605B of the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to request that all information resulting from this identity theft be blocked from my credit file. This section mandates that a consumer reporting agency must block any information resulting from identity theft within four ( 4 ) business days of receiving : 1. Proof of the consumers identity, 2. A copy of an Identity Theft Report ( such as one filed with the FTC or a police report ), 3. The identification of the fraudulent information, and 4. A statement from the consumer that the information is not related to any transaction they made. I have enclosed/attached the following documentation to satisfy these legal requirements : A copy of my government-issued ID ( proof of identity ), A copy of the Identity Theft Report I filed at [ IdentityTheft.gov / or with law enforcement ], A list of fraudulent items to be blocked or removed, A sworn statement that these items were the result of identity theft and not transactions made or authorized by me. I also request that a fraud alert or extended fraud alert be placed on my credit file and that you send me a free copy of my updated credit report once the fraudulent information has been removed or blocked. Please take this matter seriously. Non-compliance with 15 USC 1681c2 may constitute a violation of federal law, and I am prepared to take further legal action if necessary. Thank you for your immediate attention to this matter. Please confirm in writing once the requested actions have been completed. Sincerely, XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: The J. G. Wentworth Company
State: LA

Complaint narrative:
Company : JG Wentworth Issue type : Debt relief / billing & withdrawals What happened : I enrolled in a debt relief program with JG Wentworth under the reasonable understanding that payments would be withdrawn once per month. Although a payment schedule was later provided by email, the frequency and timing of withdrawals were not clearly explained in a way that reflected the real financial impact on my account. 

The withdrawals caused repeated overdrafts, loss of income, and ongoing financial harm. I notified JG Wentworth that this payment structure was causing hardship and requested that payments be converted to a monthly schedule. I was advised that a monthly schedule would require a higher payment amount that was not financially feasible, leaving me with no reasonable payment option that would avoid continued overdrafts. 

Despite informing the company of this hardship, withdrawals continued. My account was overdrawn, I lost access to funds needed for basic necessities, and this directly affected my ability to transport my child to school. 

I formally terminated the program in writing and revoked authorization for further withdrawals. When I attempted to contact the company by phone to resolve the issue, representatives repeatedly disconnected the calls and failed to provide assistance. As of now, the company has not confirmed termination or reimbursement. 

I am requesting that JG Wentworth : Confirm termination of my account Cease all withdrawals immediately Reimburse overdraft fees and financial losses caused by their withdrawal practices Provide a full accounting of all payments and fees collected This situation caused significant financial hardship for my household and child and was not reasonably addressed by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
I've been calling cash app customer service for XXXX weeks I had a buisness account and a regular account with XXXX different amounts on. Them that needed to be combined. I talked to several different agents on several different days... They all told me different things to open up new cash apps I did like XXXX everytime I opened a new one it would be closed before I could verify anything XXXX they only transfer over sum of the money... The app doesn't work I've had cash app for over 4 years And could never get a cash app card sent another glitch in there system they failed to fix... They say verify my id but it keeps kicking me out they have no answer I verified myself over the phone enogh for them to transfer sum of the funds and now nothing but problems like they trying to steal my money..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAPis 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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
# XXXX ) I have been disputing {$5100.00} owed to Synchrony Bank on behalf of XXXX XXXX XXXX and through XXXXXXXX XXXX XXXX since day XXXX of unfinished installation of vinyl flooring, damaged done to my home, and mix matched planks. The original amount was {$5600.00} which Synchrony Bank took back from XXXXXXXX XXXX XXXX  on behalf of XXXX XXXX XXXX. Unfortunately, a month or XXXX later of my complaint in XX/XX/XXXX, Synchrony Bank gave {$5100.00} to XXXX XXXX XXXX  without my permission or without my notice. I made a complaint to CFPB on XX/XX/XXXX and it has been closed and removed from my credit bureau. Now I have XXXX XXXX XXXX XXXX ( XXXX ) a debt collector that is trying to receive {$5100.00} XXXX  on behalf of Synchrony Bank. I Do NOT understand why they have a collections agency coming after me when this incorrect amount of debt was removed from my credit report. # XXXX ) I am Also wondering if it is legal for Synchrony Bank to CLOSE ALL my Accounts due to their error of XXXX XXXX XXXX. They Closed All my Synchrony Bank Credit Cards with other financial institutions which looks like I am at fault which I am NOT.

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I called in to ask why all of my attempts to make a purchase were declined. They kept going round and round saying it is unlocked when it wasn't. I made a comment about how I might as well close my account if this isn't going to work, and before I knew it she just up and closed it. Now I still have the annual fee in my balance and active marks against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I paid over {$4000.00} to bring my auto loan account current ( past-due paid in full ). The company confirmed they received/posted the payment. In my prior experiences, when an account is paid current the repossession release is typically sent to the tow/repo lot immediately or the same day. However, this time the company told me it would take XXXX days to send the release. I have followed up repeatedly and escalated to multiple managers. As of XX/XX/year>, the release still has not been sent, and my vehicle remains held, causing ongoing storage fees and loss-of-use/transportation costs. I am requesting the company immediately transmit the repossession release to the tow/repo lot, provide written confirmation that my account is paid current, and reimburse/credit any fees and costs caused by the companys delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, I discovered XXXX unauthorized charges totaling {$320.00} on my Chime account on the same day the transactions posted. I did not make or authorize these charges and do not recognize the merchant. 

I reported the unauthorized charges to Chime immediately on XX/XX/year>. At that time, I also reported that my XXXX Chime credit card had been lost. I did not have possession of the card when the transactions occurred. 

Chime opened a dispute and later denied my claim, stating that no billing error occurred after reviewing their systems and information from merchants and networks. Chime did not explain what evidence was used to determine that the charges were authorized, despite my same-day notification and report of a lost card. 

Chime has advised that the disputed amount of {$320.00} will be included in my payment due on XX/XX/year>. I am requesting a formal re-investigation and reversal of these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I went to Wells Fargo to deposit a check and cash that I had. Check was a refund from XXXX XXXX XXXX for {$290.00} and the cash amount was {$2500.00}. I put the cash and check into the ATM and it jammed. I waited for about 10mins to see if it would spit anything out. Nothing happened and the ATM shut down. I then contacted Wells Fargo where the ATM was located and informed them of the issue, I was then instructed to film a claim through corporate. Following the advice given, I filed a claim. Claim # XXXX. I was never contacted personally at any point during their investigation. I did, however, contact them on numerous occasions to find out the status of the said investigation. I was told it would be resolved within 10 days. That was not the case. They did partially reimburse me the money, which I was thankful for. But the frustration really starts at the end. As of yesterday XX/XX/XXXX I received a letter stating that my claim is being closed. They found the {$2500.00} cash, but were unable to find the XXXX  Check. And they stated they were going to deduct that amount from my account. I called to try and re-open/open another claim to find the missing check. They informed me that there was nothing they can do and I will just have to do without the check or see if it may be refunded back to me through XXXX. But they were not going to dig any further. Which I feel they did not give me the information I requested and they did not do their job to the full extent.

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 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing this complaint against a collection agency that is attempting to collect a debt from me that I do not owe. 
The company continues to report and attempt to collect an alleged debt in the amount of {$4000.00}, listed as Collection/Charge-Off, despite the fact that I have no contract, agreement, or prior business relationship with this collection agency or the alleged original creditor. 
I have never authorized this debt, never signed any contract, and have received no valid proof of ownership, assignment, or verification showing that this debt belongs to me or that the collector has the legal right to collect it. 
The continued collection attempts and credit reporting of this account constitute fraudulent and deceptive practices and appear to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Creditor Information : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX I am requesting that this account be immediately investigated, ceased from collection activity, and removed from my credit report. I am also requesting written proof of any alleged obligation. If no valid documentation exists, this account must be permanently deleted. 
This inaccurate reporting is causing financial harm and credit damage, and I am filing this complaint to protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Torriere Holdings INC
State: TX

Complaint narrative:
Received a voicemail violating limited-content guidelines. 
My voicemail does not state my name, only my phone number. The caller stated their name, that they were a debt collector with XXXX XXXX and that they were attempting to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/year> this company US BANK disbanded my account I with no reason why! I had to wait 48 hours to use my account or XXXX. I tried to use it again today XX/XX/year> and they disabled my account again saying they cant tell me why! Getting XXXX off because I dont have any other accounts to access my money and I dont have a XXXX  debit card! I need access to my money and accounts and I feel like Im being denied and no reasoning.

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 2026-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BROKER SOLUTIONS, INC.
State: NJ

Complaint narrative:
My transaction is governed by federal VA loan requirements. The property fails VA Minimum Property Requirements due to a non-functional heating system and 5 defects, and the lender has advised that the loan can not close through no fault of the buyer. On XX/XX/XXXX, a {$10000.00} earnest money check was issued to the title company. Despite this, the seller 's attorney has threatened to retain the deposit, and the lender has not issued a clear written statement confirming no buyer fault or addressing earnest money release. Under the mandatory VA Escape Clause, the buyer can not be required to close or forfeit the deposit when VA MPR 's are not met, notwithstanding any " as -is language.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am writing regarding the late fee of {$71.00} ( {$30.00} late fee on XX/XX/XXXX + {$41.00} late fee again XX/XX/XXXX for not paying previous {$30.00} late fee ) that was charged to my citi custom cash credit card account for a one day delay in payment on my recent statement. 

I have been a responsible customer and have consistently made my payments on time in the past. This delay was unintentional and due to an oversight, and the payment was made immediately the next day. 
Given my good payment history and the fact that the delay was only for one day, I had made mulitple requests to Citi to consider waiving these late fee {$71.00} ( {$30.00} late fee on XX/XX/XXXX + {$41.00} late fee again XX/XX/XXXX for not paying previous {$30.00} late fee ) Have already closed the account paid of all balance even then I am seeing these charges .Have made all payments except these late payments. 

These are predatory practices charging late fee on late fee. This also affects my credit score.

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 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I have had the same account added to my credit report multiple times, and every time I dispute it its been removed. However, this time XXXX  and XXXX  wont remove it. The account is fraudulent. Ive never had XXXX XXXX XXXX, nor even lived anywhere where they are provide providers. I have reached out to them and sent them proof, my Colorado ID that shows the issue date before the supposed account opening date. On my credit report, it says the account was opened in XX/XX/year>. This is false information being produced and against the law. They have done nothing to help.

Company response to consumer: Closed with non-monetary relief