vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
XXXX and XXXX filed a garnishment against wages for a total debt of {$1400.00} and to date they have garnished {$3400.00}. I have repeatedly reached out to them to get the garnishment release and overpayment refunded with no response. They have refused to stop garnishment despite proof from the court that is has been paid. They owe me {$2000.00} and continue to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendbuzz Inc.
State: CA

Complaint narrative:
Two payment made XX/XX/year>, XX/XX/year> & XX/XX/year>. To Lendbuzz my payments are being applied to interests only on my brand new car. My interest rate is way too high. My payments are extremely high. I was forced to take this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XXXX XXXX purchased our mortgage from Mr. Cooper approximately XXXX months ago. Until XX/XX/XXXX they continued to bill on Mr. Cooper software. Effective XX/XX/XXXX they used new software. I made a full payment for XXXX and an additinal payment to be applied to the principal ( {$160.00} ). Instead of applying the partical payment to my principal they put it in an ( unapplied ) section. I realized it on XX/XX/XXXX when I recieved my XXXX statement. I called immediately. I was told they had some transfer software kinks and it would be corrected. In fact they back dated the partial payment to XX/XX/XXXX as stated on XX/XX/XXXX. However they did not adjust the interest applied to my loan to reduce the interest paid for the month of XXXX. Its only a few cents but it will have compounding effects over time. I always make a full payment and additional partial payment to pay down my mortgage. I called again on XX/XX/XXXX to request the correction to my outstanding interest and to request a new XXXX loan statement that reflected the change. I was told that it would appear next month, presumably XX/XX/XXXX and they would not issue a new statement for XXXX. I asked to speak to a supervisor and was told a supervisort would call in XXXX hours. That has not occurred. I want the outstanding interest reduced and a new statement to reflect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Independent Dealers' Advantage, LLC
State: GA

Complaint narrative:
This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Lease
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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
" I am writing to report that Ally Bank is failing to release the lien on my vehicle ( VIN : XXXX ) despite the loan being paid in full. I received a physical lien release letter from Ally Bank on [ XXXX ], confirming the satisfaction of the debt. However, Ally has failed to update the Pennsylvania Electronic Lien and Title ( ELT ) system. Because the electronic record has not been updated, the Pennsylvania Department of Transportation ( PennDOT ) can not issue a clear title in my name. I have contacted Ally Bank multiple times and have been given no resolution. The dealership where I purchased the vehicle has since changed ownership and is also providing no assistance. I am legally the owner of this vehicle, but Ally Bank is effectively holding my title hostage by failing to complete the electronic release they are legally required to perform. ''

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 2026-03-26 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: SC

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 explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I have tried to get information about the recent data breach attempts and XXXX is still refusing to provide me accurate information and they are also lying to me. In response to my previous complaint I received a phone call from a XXXX named XXXX who said that they researched my concerns and found that the XXXX addresses all came from IP addresses from XXXX. I explained that XXXX is popular and that I only have XXXX IP addresses and there was attempted from XXXX different IP addresses that were not mine. I also stated that XXXX of the IP addresses came from a different state. I researched XXXX and found that it's not possible that the IP address from out of state couldn't possibly be from me. I sent an email with this info and asked how they came to the conclusion that there wasn't a data breach attempt despite the info I provided and they haven't responded. They have stopped communicating with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
On XX/XX/XXXX, I purchased a washer/dryer from XXXX XXXX for {$1700.00}, financed through Synchrony Pay Later. I returned the merchandise on XX/XX/XXXX with a signed XXXXXXXX XXXX pickup ticket authorizing a customer refund. XXXX XXXX never credited the Synchrony account. I disputed with Synchrony in XX/XX/XXXX. No resolution. I reopened the dispute in XX/XX/XXXX and spoke with a representative who confirmed it was active. Still no resolution. On XX/XX/XXXX, I sent a formal demand letter via certified mail to Synchrony ( tracking XXXX XXXXXXXX ). XXXX shows it was forwarded on XX/XX/XXXX and never delivered. Despite active disputes, Synchrony sent XXXX collection contacts ( XXXX texts, XXXX voicemails ) between XX/XX/XXXX and XX/XX/XXXX, and reported negatively to credit bureaus. XXXXXXXX XXXX XXXX XXXX XXXX confirmed in writing that Synchrony would contact me within XXXX days to resolve the account. They never did. As of today, the account still shows {$1700.00} owed and past due. I am being harassed for a debt on merchandise I returned XXXX months 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 2026-03-26 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: Transform Credit Inc.
State: CA

Complaint narrative:
I recently applied for a personal loan but decided to not accept the terms and cancelled my application. I then noticed a charge on my bank account for {$5.00} on XX/XX/year> and XX/XX/year>. I looked up this credit online and called the customer service phone number but did not have the option to speak to anyone but was sent a text message with a link to their website. I clicked on their Contact Us section and there is an option to click on that says, " I have been charged {$5.00} ''. This section states, " If you have been charged {$5.00} this will be your monthly repayment to your loan with Together Loans. When you created your Together Loans Credit Builder Account, you agreed to make a monthly payment of {$5.00} per month. It is these monthly repayments that we report back to the credit bureaus each month to help grow and build your credit score. We always let you know before your monthly repayment is due and before any payments are made. '' I was never aware that I created a credit builder account and was never been notified prior to any charge being made to my checking account. I consider this deceptive marketing practices for people who may be in a vulnerable financial situation. Furthermore, a {$5.00} loan showing on your credit report certainly would not help anyone build credit due to the low amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I am submitting this complaint and formal dispute regarding a collection account reported by Online Information Services, which appeared on or about XX/XX/year>. I have no knowledge of this entity, have never entered into any contractual agreement with them, and have never received any prior notice, communication, or validation of any alleged debt. This conduct constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX U.S.C. XXXX Permissible Purpose : You have failed to establish any lawful permissible purpose for accessing or using my consumer report. XXXX XXXX. XXXX ( b ) Accuracy Requirements : XXXX unverifiable and unknown information demonstrates a failure to follow reasonable procedures to assure maximum possible accuracy. XXXX XXXX. XXXX ( a ) Reinvestigation Requirement : I am demanding an immediate reinvestigation of this account. XXXX XXXX. XXXX Identity Theft Protections : The use of my personal identifying information, including my Social Security XXXX, without authorization raises serious concerns of identity theft and fraudulent reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I was never provided with proper validation notice within XXXX ( XXXX ) days of initial communication, nor at any time thereafter. This is a clear failure to comply with mandatory debt validation procedures. I demand the following actions : Immediate validation of the alleged debt, including : Original creditor name and address Signed agreement bearing my signature Full accounting of the alleged debt Proof of permissible purpose authorizing access to my credit file Documentation demonstrating compliance with all FCRA and FDCPA requirements If you can not provide competent, verifiable evidence of this debt, you are required by law to immediately delete this account from all consumer reporting agencies. Be advised : the unauthorized use of my Social Security XXXX and personal information without verified consent constitutes potential identity theft and unlawful data handling. Failure to resolve this matter promptly will result in escalation, including but not limited to claims for statutory damages under XXXX XXXX. XXXX and XXXX, as well as additional federal and state remedies. This is not a request this is a formal demand for compliance with federal law. Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: FL

Complaint narrative:
I am filing this complaint regarding Resurgent Capital Services/ LVNV Funding LLC and their attempt to collect an alleged debt originally with XXXX XXXX. On or around XX/XX/year>, I requested validation of this debt. In response, the company provided only general account information and did not provide proper validation. Specifically, they failed to provide : A signed agreement bearing my signature A complete payment history showing how the balance was calculated Documentation showing a clear chain of ownership from the original creditor to the current owner Their response does not meet the requirements for proper validation under the Fair Debt Collection Practices Act. Simply stating that a balance exists is not sufficient proof that I am legally obligated to pay this debt. Because the company has failed to properly validate this debt, they should not be allowed to continue reporting or attempting to collect it. I am requesting that this account be deleted from my credit report unless full and proper validation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I drove up to the Wells Fargo atm and then signed my check inside the car before inserting it into the atm for a deposit. I got an email receipt saying {$270.00} is available and the rest is held extensively. The {$270.00} never hit my account! I asked customer service why is my deposit being held, XXXX person told me the signature does not match the payee. I then asked for a manager, the escalation team gets on the line and tells me the check was cashed but funds were uncollected. I called the branch where I made the deposit and had a rude awakening, The banker XXXX told me the atm processed my check twice although I can only insert the check once. He then begins to try talking over me. Not sure what he was trying to accomplish I dont even know this person. Wells Fargo is actively getting sued and their employees are being disrespectful. Im not sure why this person XXXX was baiting me into a rage battle but I was not entertaining this childish behavior! Unethical conduct and toxic customer treatment. Absolutely unacceptable. They also refuse to provide options and solutions to the matter.

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 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
XX/XX/year>2025, I walked into the XXXX XXXX store in XXXX MD to pay off my account and requested that the account be closed as I was going away on XXXX XXXX. That request was approved in the store, and all pending bills paid. Attempts was made on my bank account months later by XXXX wireless charging me for several months of service usage ( for a line that I neither have or used ). They decided to sell my debt to a collector, who has been harassing me and went ahead to put my account in collection and reported it on my credit report. I reached out several times explaining myself that I didnt owe this debt but all fell on deaf ears. Due to this negative report on my credit report, it has caused me hardship and stress, as many lenders decline my loan approval for something else. All i'm asking is that XXXX XXXX admit their wrong, void this debt and the collection company do the same and clear out my credit report. Also, its important to know that they went against the XXXX which protects XXXX XXXX members.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute the accuracy and reporting of multiple student loan accounts attributed to the U.S. Department of Education currently appearing on my XXXX credit report. I exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Higher Education Act ( HEA ), 20 U.S.C. 1001 et seq., and applicable Department of Education regulations.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Dates are XX/XX/year> XX/XX/year> Radius solution called and sent documents which stated I owe {$800.00} dollars to XXXX XXXX XXXX, however XXXX XXXX XXXX has zero records of any account associated with my name under the account provided by Radius Solutions. I never owned by own account and I'm only listed as a secondary user in my mother 's account.

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 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: MA

Complaint narrative:
FORMAL COMPLAINT : Contractual Fraud, Forgery of Signatures, Misrepresentation of Vehicle Value, and Failure to Disclose Severe Safety Defects in Vehicle Financing. I am submitting this formal complaint to report a series of fraudulent and criminal actions perpetrated by the dealership, XXXX XXXX XXXX XXXX and facilitated by the financing bank, Western Funding Inc. This financing contract ( Account # : XXXX ) is based on profound contractual fraud and the illegal, forged signatures of myself and my spouse, who was not present and has never visited the dealership. Background and Fraudulent Transaction : In early XX/XX/year>, I located a XXXX XXXX XXXX ( XXXX # : XXXX ) advertised by the dealership on XXXX for {$23000.00}. I agreed to the price and provided a cash down payment of {$2000.00} to the salesperson. No receipt was issued for this cash payment. Upon taking possession of the vehicle approximately XXXX days later, I identified numerous fraudulent misrepresentations and criminal acts within the financing contract : Contractual Forgery and Non-Consent : I formally dispute the validity of the signatures on the financing agreement. I did not sign this contract, nor did I consent to these terms. Furthermore, the dealership forged the signature of my spouse, who never visited the establishment. Fraudulent Value Inflation : The contract lists a total financed amount of {$30000.00}, which is over {$7000.00} above the agreed price. The terms impose monthly payments of {$700.00} due on the XXXX of each month. This represents a predatory and fraudulent inflation of the purchase price by more than 30 % without my consent. Severe Safety Defects : The dealership failed to disclose critical mechanical failures discovered immediately after purchase : Severe transmission failure ( gears slipping/failing to engage ). Critical differential axle noise. Persistent airbag warning light and broken emergency brake. Inoperable drivers door safety indicator and air conditioning. Refusal to Negotiate : I have attempted to negotiate with Western Funding Inc. to address this forgery and the vehicle 's unsafe condition. The bank has categorically refused to investigate the fraud or provide relief, insisting on the enforcement of a forged contract for a hazardous vehicle. Request for Relief : I request that the CFPB investigate these criminal business practices. I seek : ( 1 ) Immediate cancellation of the fraudulent contract ( Account # : XXXX ), ( 2 ) Removal of all derogatory reporting from my credit profile, and ( 3 ) Facilitation of the vehicle 's return to the dealership at no cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: U.S. BANCORP
State: PA

Complaint narrative:
Someone applied for a credit card, savings, and checking accounts in my name with US Bank. I received an email and alerts about this on XX/XX/year> at XXXX AM. The application is still under review, but I want to make sure nothing is issued. I filed a policy report with XXXX, PA police department. I placed a freeze on my credit with all XXXX credit bureaus. I have had fraud alerts placed on my account with my financial institution. I have tried contacting US Bank but have not been able to get through to them. I have been on hold for over XXXX minutes.

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