vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to notify Experian that I am a victim of identity theft and that my credit file contains an unauthorized inquiry that was made without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2, I am requesting an immediate block and removal of the following fraudulent inquiry : FRAUDULENT INQUIRY XXXX XXXX ( XXXX XXXX NA ) Date : XX/XX/year>

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 2026-03-31 00:00:00
Product: Mortgage — VA 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am submitting this complaint regarding PHH Mortgages handling of my VA-backed mortgage loan and loss mitigation applications. I submitted a complete mortgage assistance application on XX/XX/XXXX. Despite providing all required documentation, PHH did not mark my application as complete until XX/XX/XXXX, due to an internal property valuation process that was outside of my control. During this time, I continued to receive conflicting and inaccurate correspondence, including notices stating my application was incomplete or that additional documents were requested when they were not. A decision was not made until XX/XX/XXXX, and my application was denied using PHHs internal completion date rather than my actual submission date. This delay caused me to become more delinquent than I was at the time I applied, negatively impacting my eligibility for assistance options. I submitted a timely appeal on XX/XX/XXXX, which has now been denied. I submitted a second mortgage assistance application, which was marked complete on XX/XX/XXXX, and is currently still under review. I am now able to resume my monthly mortgage payments and am seeking a repayment plan, deferral, or modification to address the past due balance and remain in my home. However, PHH has : Returned a cashiers check payment I sent in good faith Failed to properly process the return of those funds, which remain unaccounted for as of today Provided inconsistent and inaccurate information regarding the return of my payment Failed to respond to escalation requests within stated timeframes Provided poor and at times unprofessional customer service Additionally, I was told that I must pay a reinstatement amount of {$10000.00} by XX/XX/XXXX, while my loss mitigation application is still under review. This creates confusion and places me at risk despite my active efforts to resolve the delinquency. I have made every effort to resolve this matter in good faith and remain committed to keeping my home. I am requesting CFPB assistance in ensuring my servicer complies with applicable servicing standards and fairly evaluates my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Validation of Debt Request - I C SYSTEM - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
Response received from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX have read XXXX XXXX complaint and reviewed the account that was placed with us by our client. The consumer 's complaint has been noted, so that our client is aware of it. Upon review, XXXX XXXX received XXXX XXXX account in our office on XX/XX/XXXX, for service. Our client reflects the Original Creditor as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a balance of {$1100.00}. Our records show an open date of XX/XX/XXXX. XXXX XXXX acknowledges the consumer dispute and will cease contact with XXXX XXXX regarding this matter. XXXX XXXX is a licensed third-party collection agency that collects past due accounts on behalf of its clients. XXXX XXXX does not engage in any fraudulent activity to misinform, abuse, or harass any consumer. My Rebuttal and response I appreciate XXXX XXXX response indicating they will cease contact. However, their response does not address the core issue. I dispute this debt in its entirety. I have never had an account with XXXX XXXX or XXXX XXXX XXXX. Additionally, this account has previously been disputed and deleted from my credit report following investigation. To fully resolve this matter, I am requesting : XXXX. Written confirmation that this alleged debt does not belong to me, or full validation proving otherwise in compliance with the Fair Debt Collection Practices Act ( FDCPA ). XXXX. A legally binding assurance that this account will NOT be reported or re-reported to any credit reporting agency now or in the future unless it is fully verified and certified as accurate under the Fair Credit Reporting Act ( FCRA ). XXXX. Immediate notification to all parties involved ( including XXXX XXXX XXXX ) that this debt is disputed and must not be sold, transferred, or reassigned to another collection agency. XXXX. If the debt can not be fully validated : It must be permanently closed It must not be sold or reassigned All records associated with this account must be deleted XXXX. If any attempt is made to reinsert this account into my credit file : I require full compliance with FCRA reinsertion requirements, including prior written notice I will pursue further action for any unlawful reinsertion XXXX. Written confirmation of all actions taken to ensure this matter is permanently resolved. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had a checking account with Chime that was recently closed without a clear explanation. I have contacted customer support multiple times and have not been provided with a specific reason for the closure or any opportunity to resolve the issue. I am requesting : 1. A clear explanation for why my account was closed 2. A review of my eligibility to reopen the account 3. Confirmation that any remaining funds or transactions have been properly handled I believe I have acted in good faith as a customer and would appreciate a formal review of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: WV

Complaint narrative:
I attempted on multiple occasions to inform XXXX that they got my pay date wrong by XXXX day - I got paid XX/XX/year>, XXXX insisted on attempting withdrawals on XX/XX/XXXX, which caused a domino affect of XXXX charges and a negative balance. They're customer service was completely AI, uncaring and inflexible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a current American Express XXXX XXXX XXXX cardholder carrying a balance of approximately {$4600.00} at a 28.49 % APR. I have never missed a payment and have $ XXXX autopay set. I contacted American Express to request an APR reduction or any available program to help reduce my interest burden. I was offered the XXXX XXXX XXXX, however this program suspends my card usage and reports my enrollment to credit bureaus which would negatively impact my ability to obtain credit for my growing small business. I requested a direct APR reduction outside of the formal program and was denied. I am a responsible, paying customer who is being charged a near 29 % interest rate with no meaningful relief options. At this rate I have paid the equivalent of my original balance in interest charges. I feel exploited and taken advantage of during a period of financial hardship in my early adult years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding a billing error and improper fees on my XXXX credit card account. On XX/XX/year> I was charged {$420.00} at XXXX XXXX # XXXX ( XXXX, VA ). I returned the same item on XX/XX/year> but was only credited {$420.00}, leaving a {$6.00} balance. I was not aware of this balance, and it has since grown to {$71.00} due to late fees and interest. I have contacted Comenity Capital Bank multiple times, but they refused to resolve the issue and redirected me to the merchant. I also received a voicemail referencing potential attorney action despite this being a disputed billing error. I am requesting correction of the {$6.00}, reversal of all related fees, and confirmation my account will not be negatively reported.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 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: EQUIFAX, INC.
State: IN

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, a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I maintained a XXXX credit card account for approximately XXXX years without payment issues. In late XXXX, the account began showing unauthorized and fraudulent charges, which I reported to XXXX multiple times. Despite those reports, XXXX did not properly investigate or resolve the fraudulent activity and continued to assess interest and fees on disputed charges. The account was charged off in XX/XX/XXXX with a balance of approximately {$34000.00} and later sold to Midland Credit XXXX XXXX XXXX XXXX XXXX a collection lawsuit and obtained a default judgment on XX/XX/XXXX. The judgment was entered procedurally and did not involve judicial review of the accuracy of the balance or the unresolved fraud disputes. After judgment was entered, XXXX immediately initiated bank garnishment. On XX/XX/XXXX, I sent written correspondence by certified mail to XXXX and its counsel disputing the balance due to fraud, requesting a detailed accounting of the debt, documentation supporting XXXX authority to collect, and correction of credit reporting related to this account. That correspondence was delivered, but no substantive response was provided. Instead of addressing the dispute or providing the requested information, XXXX proceeded with enforcement activity and continues to report this account and judgment to consumer reporting agencies in a manner that presents the debt as valid and undisputed. This credit reporting is materially misleading because it does not reflect the fraudaffected nature of the balance or the procedural nature of the judgment. I am seeking correction and removal of inaccurate and unfair credit reporting related to a disputed, fraudaffected account that was never substantively adjudicated on its merits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am disputing an unauthorized credit card transaction that Bank of America refused to correct. On XX/XX/year>, a charge of {$750.00} was made at a XXXX XXXX in New Hampshire. I live in New York and was not in New Hampshire at that time. I did not make or authorize this purchase. Bank of America denied my fraud claim and stated that the transaction was completed using a chip and PIN and/or signature. However, this was a credit card transaction, and I do not use a PIN for purchases. This raises concerns about the accuracy of their conclusion. The bank also informed me that the transaction is tied to a replacement card ending in XXXX. I never received this replacement card, and the banks system shows that the delivery status of this card is unknown. When I raised this issue, the bank gave inconsistent explanations, stating that the transaction may have been made either with the replacement card or with an older card. These statements contradict each other and do not explain how a card I never received could have been used. I did not receive, activate, or authorize use of this replacement card, and I did not give my card or permission to anyone else to use my account. This disputed charge represents the only balance on my account. I am concerned that leaving it unresolved may result in late payment reporting or other negative impacts on my credit history, despite the transaction being unauthorized.

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 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
On XX/XX/XXXX, the law firm Messerli & Kramer PA ( Attorney XXXX XXXX XXXX ) executed a summary levy on my XXXX XXXX account that seized {$23000.00} in a single day. This is a direct violation of Minnesota Statute 551.05, which limits an attorneys summary execution to a {$10000.00} cap per notice. For nearly 11 months, the firm failed to properly credit the surplus {$13000.00} to my debt balance. Because these funds were never applied, the firm initiated a second unauthorized levy on XX/XX/XXXX, for {$7300.00}. On XX/XX/XXXX, an agent for the firm ( XXXX XXXX ) admitted via telephone that a " mistake '' occurred regarding the handling of these funds. Despite this admission, the firm is currently attempting to have XXXX XXXX transfer the {$20000.00} currently held in a legal hold to the law firm rather than releasing it back to my account. This is a bad-faith collection practice involving the misrepresentation of the amount owed and a violation of state statutory limits. I am requesting an immediate Release of Levy for all held funds and for the debt to be marked as Satisfied in Full due to the financial damages and loss of interest caused by this XXXX error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: Experian Information Solutions Inc.
State: IN

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, a

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 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Name : XXXX XXXX Phone : XXXX Email : XXXX Preferred Communication : Text or XXXX XXXX XXXX Westlake Financial Services Bad Faith Handling of Auto Loan I am filing this complaint against Westlake Financial Services for failure to act in good faith regarding my auto loan account. I have made efforts to communicate and resolve my account responsibly ; however, Westlake has failed to provide reasonable assistance or fair options. Despite my attempts, they have ignored my requests and/or refused to work with me on a resolution. My vehicle is currently in severely diminished condition ( non-running with significant damage ), and the balance owed far exceeds its actual value. I have attempted to discuss reasonable solutions such as settlement options, payment arrangements, or alternative resolutions, but Westlake has not acted in good faith to reach a fair outcome. Additionally, I am concerned about the following : - Lack of transparency regarding my account balance and options - Failure to provide reasonable loss mitigation options- Potentially unfair or aggressive collection/repo practices I am requesting the following resolution : - A fair and reasonable settlement offer based on the actual value of the vehicle - Clear and accurate accounting of my balance and any fees - A good faith effort to resolve this matter without unnecessary escalation I am seeking a resolution that reflects fairness and standard industry practices given the circumstances. I request that Westlake respond promptly and work toward a reasonable resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: MO

Complaint narrative:
An XXXX account was created using my name and email. The shipping address, date of birth, social security number, and phone number used was the criminal 's information so I am unable to 'validate ' the account because I do not have the criminal 's information. The original XXXX communication is connected to reference number XXXX where I informed them of the account being created fraudulently and the purchases were fraudulent. I contacted XXXX skin care ( order XXXX ) and they were able to stop the order because of the fraudulent activity. I contacted XXXX ( order XXXX ) and alerted them of the fraudulent activity. They stated they were unable to stop the order and the order would be shipped to XXXX, OR. I do not live in XXXX. I do not know a single person in XXXX or in the entire state of Oregon. Also, the name on the name on these are orders are XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. It is obvious the order was fraudulent. The address on these orders is XXXX XXXX XXXX XXXX # XXXX - XXXX, OR XXXX. I am in no way connected to any address in XXXX, OR or OR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I received a letter from CCS ( Credit Collections Services ) regarding a debt owed in the amount of {$1000.00}. CCS informed me that this debt was from XXXX XXXX, which was initiated ( started on XX/XX/XXXX ) with a premium of {$2200.00}. The initial down payment was paid on XX/XX/XXXX in the amount of {$360.00}, Confirmation Number # XXXX, which began coverage. XXXX XXXX then sent me a bill for XXXX for the amount of {$1400.00}, indicating a previous balance of {$1000.00} was outstanding. I called XXXX XXXX to inquire about XXXX XXXX and was informed that this was old debt. I informed the rep that I never owed XXXX XXXX any back debt ; however, the rep insisted. I informed the representative that I would be getting a different policy before the next due date, XX/XX/XXXX. I then received a cancellation notice about XXXX days later for XX/XX/XXXX. I obtained new coverage with XXXX XXXX XXXX on XX/XX/XXXX ( I have the policy currently ). I have documentation that shows a XXXX XXXX of {$1800.00}, so there is no debt owed. I then get a letter from CCS dated XX/XX/XXXX stating that they have a case of collection for me of {$1000.00} for money owed to XXXX XXXX for coverage till XX/XX/XXXX, which was paid with the first month 's premium. I only had this policy for XXXX month, so how could I owe, and I have a cancellation credit. I also did the math : XXXX + the credit of {$1800.00} = {$2200.00}, the XXXX XXXX. Now I am being threatened that this is {$1000.00} that is not my debt, and will be added to my credit report, which I will not allow to happen because it's not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. ACCOUNTS : XXXX ) XXXX XXXX BANK # XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX # XXXX XXXX XXXX ) XXXX # XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX # XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief