vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has repeatedly failed to conduct a lawful, reasonable, and independent reinvestigation of disputed information appearing on my consumer credit file despite multiple disputes and repeated notices identifying specific inaccuracies. Rather than providing meaningful corrections or demonstrating that a thorough and impartial investigation was conducted, the agency has consistently relied on generic, conclusory responses indicating that the information was verified or updated, while the disputed inaccuracies remain unchanged and continue to be reported. I am not disputing ownership of the accounts ; rather, I am challenging the accuracy, completeness, verifiability, and legal compliance of the information being furnished and maintained on my credit report. I have retained documentation establishing a clear and ongoing pattern of inadequate investigations, deficient verification practices, and an improper reliance on furnisher representations in lieu of the independent review required under the Fair Credit Reporting Act. By continuing to report information that is inaccurate, incomplete, misleading, or insufficiently verified, the agency has failed to uphold its obligation to ensure the maximum possible accuracy of consumer information. As a result, I have suffered substantial financial harm, emotional distress, damage to my creditworthiness and consumer reputation, and a diminished ability to obtain credit and other financial opportunities on fair and reasonable terms.

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 2026-06-10 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In XXXXXXXX XXXX XXXX my phone and social media were hacked. Several small charges were made on Paypal credit and XXXX through XXXX XXXX which was XXXX. For nearly XXXX years Paypal Credit has opened and closed fraud investigations. They say I approved this charge although I did not and reported it immediately. I have emails recorded reporting it to the fraud department. Most recently Paypal credit said they would reopen the case and refund the amount in the interim. They did not refund it and now the account is delinquint. I had paid this account on time readily for years. I did not make this charge. The customer service has been impossible, inconsistent, and dishonest.

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 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I received a letter dated XX/XX/XXXX, from XXXX stating my student loan is in forbearance and they will be in contact. My student loans were forgiven under XXXX in XXXX, and there were no student loans. I created an account because XXXX was not my student loan provider, previous XXXX, and the balance shown was {$95000.00} with interest accruing. I called XXXX on XX/XX/XXXX, at XXXX and spoke with XXXX XXXX She stated my forgiven loans were reinstated and will be reversed to be discharged due to a borrower 's defense application. She stated she could not answer any questions about the timeframe to remove the loan could be months or years. I asked how this will impact my credit because the student loans were gone for XXXX years and now reappeared XXXX years later. XXXX stated it will show as active but not past due. I asked for more information, she stated I need to speak with the Department of Education and the borrower 's defense, and she provided the number XXXX. I logged back into my Department of Education account and found an account balance of {$95000.00} with interest accruing ; plus showing I met the XXXX qualifying payments in XX/XX/XXXX. I have saved a copy of the letter in the communication log showing that my loans were forgiven and discharged as of XX/XX/XXXX. I called the number provided and spoke with XXXX at XXXX. XXXX could not answer any of my questions and could not provide any timelines, nor impacts to my credit reports but stated repeatedly " almost finished with the process '' when asking about the borrowers defense applications. A review showed the borrower defense applications were submitted in XX/XX/XXXX, prior to the loans being forgiven XXXX years later ; and were reopened in XX/XX/XXXX ; almost XXXX years later. After further inquiry she provided an email address XXXX with any inquiry. I emailed through the Account Dashboard, and to date ( XX/XX/XXXX ) I have not received a response.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> VIA CERTIFIED MAIL To : LVNV Funding , LLC c/o Resurgent Capital Services LP Compliance Department XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DISPUTED ALLEGED DEBT CEASE AND DESIST COMMUNICATION To Whom It May Concern : I am writing regarding the alleged debt that you claim I owe. I dispute the validity, accuracy, and enforceability of this alleged debt and do not acknowledge liability for it. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me concerning this alleged debt, except as expressly permitted by law. Furthermore, because this debt is disputed, I request that you note your records accordingly. If you continue to report this account to any consumer reporting agency, you must report it as disputed. This letter is not an acknowledgment of any debt, nor is it a promise to pay. Nothing contained herein shall be construed as an admission of liability. If you believe you have a legal basis to pursue collection of this alleged debt, provide any notices required by law. Otherwise, cease all collection activity and communications immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UMB FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Ive been a consumer with this bank for XXXX yearsoriginally with XXXX XXXX XXXX XXXX, which was recently taken over by UMB Bank. Ever since the takeover, their backend processing system has repeatedly failed to maintain the visibility and proper ordering of my cash deposits, causing cascading errors that artificially manufactured a negative balance to hit me with automated fees. On Friday night, XX/XX/year>, I deposited {$100.00} in cash at a UMB ATM to cover incoming payments. The app correctly showed the cash as pending all weekend. However, during their nightly processing batch, the system completely hid the cash from view, allowed XXXX payments to clear against a manufactured negative balance, and hit me with XXXX {$36.00} overdraft fees. They didn't actually post the cash until Monday, XX/XX/XXXX. Because the system artificially held my account in the negative all weekend, I was forced to keep extra physical cash in my pocket instead of depositing it, out of fear that the bank would freeze my funds when I needed money to take my son out for his birthday dinner. On Monday night, XX/XX/year>, I went to the ATM and deposited {$190.00} in cash. A XXXX debit of {$24.00} cleared my account on Tuesday, XX/XX/XXXX. Even though my cash was physically in the bank before the XXXX debit cleared, UMBs system repeated the exact same glitch : they held the visibility of my {$190.00} cash deposit, cleared the XXXX debit against a manufactured negative balance to trigger a third {$36.00} overdraft fee, and then backdated the cash to post afterward. Furthermore, on Tuesday night, XX/XX/XXXX, that same {$190.00} cash deposit completely vanished from the app 's online ledger for hours and the account math broke, indicating a continuing pattern of the system dropping cash visibility during processing windows. UMB has taken {$100.00} of my money entirely because of internal platform integration errors and predatory processing delays. I am seeking a full refund of all three {$36.00} fees, totaling {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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 non-monetary relief
Consumer complaint received 2026-06-10 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: 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 2026-06-10 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: CITIBANK, N.A.
State: WV

Complaint narrative:
I had initially purchased XXXX XXXX XXXX tickets totalling {$680.00} on XX/XX/year>. The flights were to occur on XX/XX/XXXX and XX/XX/XXXX ( XXXX ). On XX/XX/XXXX, I received notification from XXXX, the site used to purchase these flights through XXXX XXXX, that XXXX XXXX was ceasing operations and to contact my credit card company for a refund, as any credits that were able to be issued for the flights cancelation were now unusable. Today, I received notification from Citi that although this flight was canceled and I would not be able to use any credit from XXXX ( as they have ceased operations ), my dispute has been denied. I paid for a flight, did not receive this service, and am unable to use any credits provided in place of a refund as this airline has ceased operations.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX Department XXXX XXXX XXXX XXXX, VA XXXX RE : DISPUTED ALLEGED DEBT CEASE AND DESIST COMMUNICATION To Whom It May Concern : I am writing regarding the alleged debt that you claim I owe. I dispute the validity, accuracy, and enforceability of this alleged debt and do not acknowledge liability for it. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me concerning this alleged debt, except as expressly permitted by law. Furthermore, because this debt is disputed, I request that you note your records accordingly. If you continue to report this account to any consumer reporting agency, you must report it as disputed. This letter is not an acknowledgment of any debt, nor is it a promise to pay. Nothing contained herein shall be construed as an admission of liability. If you believe you have a legal basis to pursue collection of this alleged debt, provide any notices required by law. Otherwise, cease all collection activity and communications immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Servion, Inc.
State: WI

Complaint narrative:
Submitted a credit dispute XX/XX/XXXX because my credit report reflects a payment has not been received since XXXX which is incorrect. It has been over XXXX months without a standard cycle refresh though payment were processed, which violates Fair Credit Reporting Act ( FCRA ) guidelines regarding prompt, accurate reporting. A payment was made XX/XX/XXXX for {$1900.00}, XX/XX/XXXX for {$1000.00}, XX/XX/XXXX for {$1300.00} which would have made the account current for XXXX. On XX/XX/XXXX the full amount was paid of {$2300.00} for the month of XXXX. On XXXX XXXX XXXX sent me a letter stating the information being reported on my credit report is accurate per their records even though my online account shows my balance current & due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I have an active mortgage with Rocket Mortgage ( XXXX # XXXX ). Rocket Mortgage successfully entered into a formal repayment/reinstatement agreement with me to save my primary residence. I am actively performing under this plan. However, Rocket Mortgage inherited an active foreclosure lawsuit from our previous servicer, XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ). A Sheriffs Sale is actively scheduled for XX/XX/year>. When contacting Rocket Mortgage customer service, representatives state they have " no record of a foreclosure '' on their end because XXXX did not initiate it. However, because Rocket Mortgage now owns the note and the rights to the lawsuit, they are legally the plaintiff and are currently " dual-tracking '' me in violation of federal CFPB rules by allowing a third-party law firm to sell my house while I am on an active loss mitigation repayment plan. Rocket Mortgage must manually intervene to stop its third-party legal agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: LA

Complaint narrative:
To : Jefferson Capital Systems , LLC Attn : Consumer Support / Disputes Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : DISPUTED ALLEGED DEBT CEASE AND DESIST COMMUNICATION To Whom It May Concern : I am writing regarding the alleged debt that you claim I owe. I dispute the validity, accuracy, and enforceability of this alleged debt and do not acknowledge liability for it. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me concerning this alleged debt, except as expressly permitted by law. Furthermore, because this debt is disputed, I request that you note your records accordingly. If you continue to report this account to any consumer reporting agency, you must report it as disputed. This letter is not an acknowledgment of any debt, nor is it a promise to pay. Nothing contained herein shall be construed as an admission of liability. If you believe you have a legal basis to pursue collection of this alleged debt, provide any notices required by law. Otherwise, cease all collection activity and communications immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting this complaint regarding Wells Fargos refusal to properly investigate and reimburse approximately {$10000.00} in duplicate debit card transactions processed through XXXX XXXX while I was traveling in XXXX. While abroad, I attempted to make a legitimate purchase using XXXX XXXX linked to my Wells Fargo debit card. The merchant repeatedly informed me that the payments were failing or not processing successfully. Based on those representations, I retried the transaction multiple times. I later discovered that multiple transactions had actually been approved and posted to my account. I did not intend to authorize multiple completed payments. My intent was to complete a single legitimate transaction. The additional charges resulted from merchant deception and/or improper duplicate processing. Wells Fargo denied my dispute by apparently treating the matter as a fully authorized transaction without adequately addressing : the deceptive circumstances, the duplicate nature of the charges, or whether the merchant improperly induced repeated payments. I am requesting that Wells Fargo : Reopen and reinvestigate the dispute, Review all authorization and transaction records, Evaluate the matter under duplicate processing and merchant misrepresentation standards, Provide the specific dispute reason code and factual basis for denial, Reimburse the improperly processed duplicate charges. I have supporting documentation including XXXX XXXX XXXX XXXX, bank statements, and a timeline of events. The amount at issue is approximately {$10000.00}, making this a substantial consumer financial harm issue.

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 2026-06-10 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding Wells Fargos handling of my debit card dispute involving merchandise that was never delivered. Between XX/XX/year> and XX/XX/year>, I made several online purchases from XXXX XXXX XXXX using my Wells Fargo debit card. The disputed transactions totaled approximately {$950.00}. The transactions included : * XX/XX/year> {$310.00} * XX/XX/year> {$87.00} * XX/XX/year> {$39.00} * XX/XX/year> {$84.00} * XX/XX/year> {$160.00} * XX/XX/year> {$260.00} I purchased physical merchandise, including clothing, shoes, hoodies, shorts, t-shirts, and accessories. Despite paying for these items, I never received the merchandise. The merchant later provided tracking number XXXX. However, the USPS tracking information did not show successful delivery. Instead, the tracking information stated that USPS was awaiting the item and that the origin post was preparing the shipment. There was no confirmation that the package had been delivered to me. I contacted the merchant directly in an effort to resolve the issue. The merchant acknowledged shipping and logistics delays and advised me to continue waiting. The merchant did not provide a refund, replacement, confirmed delivery date, or proof that the merchandise had been delivered. Because the merchandise was never received, I filed a dispute with Wells Fargo and provided supporting documentation, including purchase records, shipping information, tracking information, and communications with the merchant. Wells Fargo denied my dispute. I do not understand the basis for that decision because the merchandise was never delivered and I have not been provided with proof of delivery. I have also not received a detailed explanation of the evidence relied upon to deny my claim. I am requesting that Wells Fargo : 1. Provide a complete explanation of the investigation performed. 2. Provide copies of any evidence used to deny the dispute. 3. Review the dispute again based on the fact that the merchandise was never received. 4. Reimburse the disputed funds if the investigation confirms that no delivery occurred. I believe I acted in good faith, attempted to resolve the matter directly with the merchant, and provided documentation supporting my claim. I am requesting assistance in obtaining a fair resolution.

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