vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
My wallet was stolen on the XXXX of XXXX ( Saturday ), several of my cards were used fraudulently, I didn't realize my wallet was stolen until the XXXX of XXXX ( Sunday ) once I started receiving notifications from my bank that my cards were being used fraudulently. I immediately went through my cards, cancelled all that I could and requested new ones. When I attempted to cancel and request new cards from my XXXX XXXX account, I wasn't able to, the app told me that the request couldn't be fulfilled and to call their number ( XXXX ) I attempted to call the number and was told by the automated machine that customer service was closed and to call back on Monday XXXX XXXX XXXX. I locked those cards so they couldn't be used anymore by whoever had stolen them. I tried several more times to cancel and request new cards throughout the day, each time telling me to call the number to an office that was closed. I was able to contact XXXX XXXX on the XXXX of XXXX, Cancel and request new cards and also file a fraud dispute. On XX/XX/XXXX the fraud dispute was denied ; their reasoning for denial was " Valid transaction ( s ) posted to your account after you reported the card lost and/or not in your possession. '' and " Our records indicate you have accessed your account online multiple times during the time of the stated compromise without reporting the claimed transactions as fraud. '' Neither of their conclusions seem valid, The fraudulent transactions were done on the XXXX and XXXX of XXXX, that is a Saturday and Sunday, forever whatever reason XXXX XXXX bank doesn't allow transactions to post on the weekends, so when Monday rolls around, the XXXX the transactions posted to the accounts. Because of this, they're saying that transactions happened on my account on dates after the card was stolen, its makes absolutely no sense. They even provided me with a list of transactions and you can clearly see that its the fraudulent purchases. I will attach a screenshot. Their second reason doesn't make any sense because of course ive accessed my account multiple times, i was attempting to cancel the cards and order new ones so i can stop the person who stole them from using them again. They asked me to provide any new info or documents that could corroborate my story, I then went to file a Police report about my stolen and fraudulently used items, I sent that to them and was told that I was have a new result or info in a few business days, It has now been 10 days and I haven't heard anything back so i am now reaching out for help resolving this. I had a total of {$280.00} used on my card at several different locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: NJ

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading reporting by TransUnion concerning an XXXX XXXX XXXX XXXX XXXX charge-off account appearing on my credit report. I previously disputed this account with TransUnion and requested a lawful reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ). TransUnion responded by claiming the account was verified and updated, however the account continues reporting materially inconsistent, misleading, and structurally defective information. The account currently reports : Paid balance charged off while simultaneously reporting : A balance of {$22000.00} A past due amount of {$22000.00} Continuing monthly charge-off ( CO ) activity extending well after the account was closed The account also reflects : Date Closed : XX/XX/XXXX Yet repeated monthly CO coding continues through XXXX and XXXX This reporting creates the misleading appearance that the account remains in continuously active derogatory status rather than reflecting a historical charge-off event. Additionally, the reporting timeline appears inconsistent. TransUnion reports : Last payment made : XX/XX/XXXX XXXX delinquency in XX/XX/XXXX and XX/XX/XXXX However, TransUnion failed to provide : Verified Date of First Delinquency ( DOFD ) Complete payment history Delinquency progression records Charge-off accounting calculations Metro 2 compliance verification Documentation supporting the continued derogatory reporting Documentation supporting the reported balance and past due amount Despite my dispute, TransUnion merely repeated furnisher-supplied information without providing competent documentary verification supporting the accuracy and integrity of the reporting. I believe this reporting may violate : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation FCRA standards prohibiting inaccurate and misleading reporting I also believe the reporting raises concerns regarding : Improper derogatory refreshing Potential re-aging Structurally inconsistent Metro 2 reporting Misleading account status coding At this time, I am requesting that TransUnion conduct a lawful manual reinvestigation and either : Provide complete documentary verification supporting the reporting and Metro 2 compliance of this account OR Permanently delete the account if it can not be verified with maximum possible accuracy. The continued reporting of inaccurate and misleading derogatory information is causing ongoing financial harm and damage to my consumer credit profile.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to formally dispute the collection account being reported by LVNV FUNDING LLC on my credit report. The account shows a balance of {$1100.00} and was reportedly opened on XX/XX/2024. I do not recognize this account as accurate and I am requesting that you provide proper verification and documentation showing that this debt belongs to me. The information being reported appears incomplete and inconsistent, especially since the original creditor is not listed and important account details are missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
This complaint involves a severe credit reporting error resulting from an uncoordinated servicing transfer from XXXX XXXX to Rocket Mortgage LLC. I was approved for two separate, official mortgage forbearance agreements. Under these agreements, my skipped payments were formally deferred and pushed to the end of my loan term. Because these terms were explicitly approved by the lender, my account should be reported as current under federal credit reporting guidelines and the CARES Act framework. Instead, the months covered by my approved forbearance agreements are being inaccurately reported on my credit file as severe delinquencies. Specific Dates and Inaccurate Reporting Actions : The data furnisher is reporting late markers during the two exact windows I was in active forbearance : XX/XX/XXXX to XX/XX/XXXX : Reported incorrectly as 30 and 60 days past due. XX/XX/XXXX to XX/XX/XXXX : Reported incorrectly as 30, 60, and 90 days past due. Evidence of the Error : The inaccuracy is directly proven by the data furnishers own system notes. Under the " Previous Comment '' section of this account on my credit report, the file explicitly states : " Paying under a partial payment agreement. XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. '' The company 's own records acknowledge that a formal payment agreement was active during these exact months, yet they have failed to update the payment history markers to reflect that the terms of the agreement were met.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I submitted an application through my student loan servicer, Nelnet, to change my repayment plan on XX/XX/year>. I wanted to switch from the SAVE plan to the Income-Driven Repayment Plan. The application has been under review for well over a year and I have been in forbearance since. I have tried calling multiple times only for them to tell me that the federal government is still reviewing everyone 's applications and that they are back logged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was charged XXXX individual overdraft fees on XX/XX/year> for debit card purchases. I do not have overdraft on my acct and my debit card was locked. I did not sign up nor did I authorize any monies to be charged to my debit card without my knowledge.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against Bank of America regarding an ATM mechanical sequencing error and an abandoned session that resulted in the loss of {$4000.00} in cash. This is a formal dispute under Electronic Fund Transfer Act ( Regulation E ). Incident Details : Date of Event : XXXX XXXX Financial Institution : Bank of America XXXX XXXX : {$4000.00} Cash Original Claim Number : [ XXXX ] Current Active Re-filed Claim Number : [ XXXX ] Description of the Violation : On XXXX XXXX, I approached a Bank of America ATM to deposit {$4000.00} in cash. Unknown to me, the previous user had left an active, abandoned session. The ATM glitched, bypassed security, and failed to request my ATM card PIN. It immediately opened the physical cash deposit slot. Believing the machine had recognized my card normally, I placed the {$4000.00} cash into the slot. The ATM accepted the cash, ended the session, and printed a receipt. The receipt shows that the {$4000.00} was credited entirely to an unknown third party 's account number : [ XXXX ]. Bank Failure : Bank of America summarily denied our initial claim on XXXX XXXX without performing a proper investigation. On a subsequent branch visit, bank staff recognized the error and authorized us to re-file the complaint. However, because the bank 's automated systems initially failed us, we require federal oversight to ensure a proper investigation. The bank 's electronic ledger for that transaction will not match my card, meaning a physical audit of that specific ATM 's cash vault from XXXX XXXX will reveal a {$4000.00} cash overage/surplus that belongs to me. Furthermore, the ATM security camera footage from the exact timestamp on the receipt will conclusively prove I physically inserted the cash.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
We purchased a new XXXX XXXX XXXX ( VIN XXXX ) in XXXX of XXXX. We financed the car through Kia Finance America. The terms of the loan were for 48 months. The payment amount was set by the Kia Finance. All payments were made on time as we had set these up to be deducted from our checking account. In XX/XX/XXXX, we made our last payment. However, over two years later, when recently trying to sell our car, we learned we had a lien on our vehicle and a balance owed of {$65.00}. We received no notification in two years that we owed money and believed that we had satisfied our obligation in making all of the monthly payments on time, as per the terms of the loan. When I reached out to Kia Financial, I immediately paid the balance plus the interest that had accrued ( the final total was XXXX ). However, this did not immediately release the lien and it had taken an additional 2 weeks to receive notification that the lien was released. Today, nearly 3 weeks later, I am still not able to obtain a title without a lien from Kia Motors Finance from my Secretary of State 's office. All of this has occurred after we satisfied the terms of the loan and reasonably concluded the car had been paid off. Kia Finance made no effort in over two years to notify us that there was a balance. When I requested that the release be expedited, I was informed I would have to wait the standard amount of time. This was in speaking over the phone with Kia Finance This has created significant delays in the purchase of our next car. I reached out to XXXX XXXX XXXX, the parent company of Kia Finance, over a week ago via their website and have received no response from their customer services, aside from an automated response that they would reach out " soon ''. I was at my DMV this morning and there is still a lien on our vehicle 's title. I have not encountered this situation with other auto loan services in the past and am very disappointed in the lack of service recovery on the part of Kia Finance and XXXX XXXX. Thankfully, because we are trading our car in, and because the dealership will be satisfied with a release letter ( which again took nearly two weeks to receive ) this has not resulted in further harm but rather, delays and significant stress that should have been avoidable. I certainly would like to help prevent others from experiencing the stress or potential harm this has created for us. Further, had we been selling our car privately, we would not be able to provide a clean title as a result of this, for a car we understood to be paid off over two years ago.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bilt Technologies, Inc.
State: IL

Complaint narrative:
Formal Consumer Complaint Against Bilt Rewards My name is XXXX XXXX, and I am filing this complaint due to ongoing issues with my Bilt account and the companys failure to provide assistance or respond in a reasonable timeframe. Consumer Information : Name : XXXX XXXX Email : XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX Last Four Digits of SSN : XXXX I have made several attempts to contact Bilt regarding updating my phone number so I can regain access to my account. Despite repeated efforts, I have not received adequate support, timely communication, or a proper resolution. Because I can not access my account, I am unable to properly monitor account activity, manage payments, receive important notifications, or protect my financial information. This situation creates unnecessary financial risk and has the potential to negatively impact my credit if account matters are not handled properly or on time. As a consumer, I believe it is unacceptable for a financial-related company to ignore or delay responding to legitimate account access issues, especially when identity verification information has been provided. I am requesting the following : Immediate assistance restoring access to my account Update of my phone number and account verification information Confirmation that my account remains in good standing Assurance that no negative reporting or penalties have resulted from this unresolved issue A formal explanation regarding the lack of response from customer support I have attempted to resolve this matter directly and professionally. However, due to the ongoing lack of communication and assistance, I am now forced to escalate this issue through formal complaints and any additional legal or consumer protection channels necessary. I respectfully request prompt action and resolution. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX bank was paid in bankruptcy before going to bankruptcy account was sent to midland credit once account was paid midland credit transfer to a law firm XXXX XXXX this is reporting inaccurate information.I have since open a new account with the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing this complaint against Capital One for Account No. ending in XXXX. There are three separate violations : 1. INACCURATE ACCOUNT INFORMATION Capital One is reporting incorrect information about this account on my consumer credit file. The account details do not accurately reflect the true status or history of the account. This violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to report only accurate and complete information. 2. INACCURATE ADDRESS Capital One is reporting a wrong address connected to my account. This is not my address and may expose me to identity fraud. This violates FCRA 15 U.S.C. 1681e ( b ) and 1681s-2. 3. UNLAWFUL COLLECTION ON A CHARGED-OFF ACCOUNT Capital One has charged off this account but continues collection-related activity. Their own letter dated XX/XX/year> ( attached ) confirms my account is in cease and desist status. Despite this, contact continues. This violates FDCPA 15 U.S.C. 1692e and 1692f, and FCRA 1681s-2. Capital One Case No. : XXXX. Existing CFPB Case No. : XXXX. I have attached Capital Ones letter dated XX/XX/year> as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
I submitted a request to recertify income for my loans that were in XXXX forbearance using the FSA webpage. I specifically did not check boxes to indicate I wanted to change my repayment plan nor to enter XXXX. See Section XXXX, Item XXXX at https : //studentaid.gov/sites/default/files/IncomeDrivenRepayment-en-us.pdf. I merely checked box I was completing form to recertify my income. While XXXX XXXX has been eliminated, it was an XXXX plan, and I have not yet been required to move to a different plan. I plan to change my loans to the new RAP when that is available ( supposed to be XX/XX/year>. XXXX sent this form to Mohela and Mohela processed this as a request to change my plan to the XXXX plan. This was improper. If the form could be used to change my plan, it includes boxes for that purpose that were not checked. Both XXXX and Mohela have refused to fix this error and continue to proceed despite me not authorizing or requesting the change in repayment plan. As a result, they ended the forbearance I was in, and that I should be entitled to remain in until I switch to the RAP repayment when available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/year> Complaint Regarding Account Closure and False Allegation I am submitting a complaint regarding the closure of my account with Citizens Bank and inaccurate information that appears to have been recorded about me. My account was closed by Citizens Bank, and I was also informed that I am subject to a restriction related to alleged threatening behavior at a branch location. I strongly dispute this claim. I have never visited any Citizens Bank branch in person and have never interacted with branch staff. All of my communications with the bank have been conducted over the phone. Therefore, I believe the allegation of in-person threatening behavior at a branch is false and may be based on an error or mistaken identity. Additionally, I am concerned that inaccurate information has been recorded in my account file, which may be affecting how I am treated and how the account closure was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I requested multiple times that my wife be released from her obligation as a co-buyer on the loan due to her health. She is unable to maintain being a co-buyer and I am asking for her to be released from the loan as she suffers from XXXX and XXXX XXXX issues. As her primary caregiver, I have taken over certain obligations and she needs to be released from this loan immediately. I have attached her VA documentation ( 100 % PT letter ) and she is recognized XXXX with XXXX at 100 % for XXXX XXXX

Company response to consumer: Closed with explanation