vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-14 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: TX

Complaint narrative:
I previously submitted a written dispute to the credit reporting company regarding several accounts reporting on my credit file. The accounts I disputed appear to contain inaccurate, incomplete, inconsistent, or unverifiable information. The issues include account status, payment history, collection or charge-off reporting, repossession reporting, balance reporting, dispute remarks, and missing or unclear verification details. I asked the credit reporting company to conduct a reasonable investigation, verify that the information being reported is accurate and complete, provide the method of verification used, and correct or delete any information that could not be properly verified. The disputed information is still reporting on my credit file and continues to negatively affect my credit profile. I do not believe the company has completed a proper investigation or provided enough detail showing how the disputed information was verified. I am filing this complaint because I want the credit reporting company to properly investigate the disputed accounts, explain how the information was verified, and correct or delete any information that can not be proven accurate, complete, and verifiable.

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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I settled this account with Midland Credit Management and was under the impression the account would be removed from my credit report after settlement. However, the account continues reporting on my credit file as a collection account and is negatively impacting my credit. I previously disputed the account and requested verification regarding the reporting. I am requesting reinvestigation and deletion of any inaccurate, misleading, or unverifiable reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: NJ

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 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Williams & Fudge, Inc
State: MS

Complaint narrative:
On or about XXXXXXXX XXXX XXXXXXXX XXXX with William & Fudge , Inc. contacted me at my place of employment regarding an alleged debt. I had previously spoken with the company briefly a few weeks earlier on my personal cell phone. During this call, XXXX asked whether I intended to pay the debt or just ignore it. I informed him that I was currently reviewing my options, including the possibility of debt consolidation. He stated that he could go ahead and do that now. At the beginning of the call, I had messaged my husband regarding the matter, and when I informed XXXX that I wanted to wait until I had spoken with my husband before making any decisions, he became increasingly aggressive and began questioning why I needed to wait to discuss the matter with him. After I explained my reasoning, XXXX responded with statements including, Why would you turn down a free service? and Why would you pay on a debt already in collections? I found his tone and conduct to be unprofessional, aggressive, and inappropriate. At that point, I disconnected the call. I then attempted to contact the companys main office to file a complaint regarding both the representatives conduct and the fact that I was contacted at my workplace. While explaining my concerns, the individual I spoke with interrupted me repeatedly. Because I did not allow him to transfer me immediately, he abruptly cut me off mid-sentence, stated, Have a nice day, and hung up the phone. Shortly afterward, I received an email stating that they had already submitted a consolidation loan request and that they needed my signature or payment in full. This was done after I specifically told him that I wanted to hold off on submitting any request until I had spoken with my husband. This matter was handled in an extremely unprofessional manner. Consumers should not be subjected to aggressive tactics, rude behavior, workplace contact, or unauthorized actions regarding financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NM

Complaint narrative:
Got a loan for {$1200.00} have made 4 payments of XXXX thinking that would payoff the loan but went on their website seen that I have an apr of 800 % and won't payoff the loan for 7 months for a total of {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account was closed, and I was told that the bank had the power to close my account without any explanation. I asked what I could do to fix this and was told nothing. I also asked if I could speak to someone else for help, and was told I could not and that nothing could be done to help me.

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 2026-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
XX/XX/XXXX - I received an email from XXXX ( insurance company ), which said XXXX has not received payment from your mortgage company. Since your mortgage holder doesnt collect your insurance premiums, you will now be billed for your insurance premiums. XX/XX/XXXX - XXXX submitted a message online to Freedom Mortgage asking why. I received a confirmation email that my message was received and would be reviewed XX/XX/XXXX - no response yet, so I tried to call customer service, phone number is not in service XX/XX/XXXX - customer service phone number still not in service, I also tried to call their loan salesman phone number, which is also not in service

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 2026-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient XXXX XXXX XXXX Navient steered and forced me into repaying the loan early when I was income driven repayment. They hounded me, and they called other people I might know and told them my situation with the loan. I was badgered into borrowing money from my uncle to repay the loan. I was joining the XXXX XXXX, and they used my desire for a secret clearance as a thing hanging over my head. She called daily to harass me. She called other people and told them information about my loan I did not authorize to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am disputing the accuracy and validity of this collection account being reported on my credit report. I do no believe this account has been properly verified in accordance with the Fair Credit Reporting Act. The balance being reported appears inaccurate and unsupported. The contract was never fulfilled. The original balance was for {$750.00}, and the current balance is {$830.00}. That clearly shows the account was not fulfilled or pursued and that should have no balance due. Until proper verification is provided, I request that this account be removed from all credit reporting agencies immediately. Reporting inaccurate information may constitute a violation of the Fair Credit Reporting Act and other federal laws. I am requesting a full investigation and written response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint against Capital One regarding restrictions placed on my credit card account after I made multiple payments within a short period of time. While representatives did explain why the account was locked, I complied with the steps requested in an effort to resolve the issue. This included contacting my banks directly for verification purposes. However, the verification process was unsuccessful over the phone through no fault of my own. I also submitted the first page of my bank statements as requested. Capital One has continued requesting complete bank statements. I do not agree with providing full statements because they contain private personal transactions unrelated to this matter. The first page of the statements already contains the information necessary to verify account ownership and payment details. Additionally, one of the payment accounts in question, my Meritus account, has been successfully used for multiple payments to Capital One over the past year. It is unclear why additional verification is suddenly being required now after the account has already been accepted and used without issue for an extended period of time. As a result of these restrictions, I lost access to my account and have been unable to properly manage it. I believe consumers should not be penalized for attempting to make legitimate payments on their accounts, especially when they are complying with requested verification steps and providing reasonable documentation. I am requesting that Capital One : 1. Provide a clear written explanation for the continued account restriction 2. Review whether the restriction was placed in error ; which I do believe since they have accepted payments from Meritus for over a year now 3. Restore access to my account immediately 4. Ensure I can properly manage and make payments on the account without unnecessary barriers or excessive documentation requests. I would also like documentation of all decisions related to the restriction placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: OK

Complaint narrative:
This complaint raises a new issue not addressed in my prior complaint. After reviewing my signed loan agreement, I discovered that Avants written response relies on an alleged same-day cancellation deadline ( before XXXX XXXX XXXX on approval date ) that does not appear anywhere in my signed loan agreement or Truth in Lending disclosures. Avant used this undisclosed policy as the basis for denying my request to cancel the loan. Additionally, Avants written response contains conflicting loan origination and funding dates that do not match my signed agreement or my bank records. For example, my agreement is dated XX/XX/year>, the agreement states interest begins accruing XX/XX/year>, Avants response references different approval/funding dates, and my bank records show deposit on XX/XX/year>. I am requesting investigation into whether material loan terms, cancellation rights, and timing of funding were properly disclosed under the Truth in Lending Act and applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed unauthorized transactions on my bank account on XX/XX/XXXX and XXXX for a total amount of {$940.00}. I contacted the bank immediately to report the fraudulent charges and requested an investigation and refund. Despite my efforts, the bank did not resolve the issue or return the funds, and I did not receive a clear solution.

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 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
On XX/XX/XXXX my home was foreclosed on with no proper notification. At the time my mother, had a Power of Attorney to handle all real estate matters, financial matters and everything concerning me, my assets and my children. Not once was she nor I was notified about the foreclosure until a neighbor called and said there were people living there and notices on the door. When contacted about the court date on the notice I was told that someone ( not me ) showed up at court or called the number and spoke to a person saying the issue was handled. Neither my mom nor I was present at any hearing, received anything notice or signed any documents regarding the sale of my home. I was working with the mortgage company on a plan for repayment. I filed XXXX XXXX to give me some time to come up with the money which I had at the time of the sale. The mortgage company told me that because I was in bankruptcy that they could not do a payment plan. So I stope the filing only to find out they were just stalling and wanted me to stop the bankruptcy so they can foreclose on my home. If they would not have told me that which I have in my emails then I would not have had to file the bankruptcy case again. Fast forward to XX/XX/XXXX all my items, kids items and family heirloom were placed on a curb for people to rummage through.Again with no notice to me or the person who had the power of attorney. This was intentional and fraudulent and should be investigated. I had an issue with them before and the non profit agency told me that they were going to report the mortgage company because they delay things in order to use these unlawful tactics to foreclose. This was avoidable and could have been taken care of if given the chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Owed Advanced Financial for a loan. Loan went into default after I lost my job. By the time I found a new one and caught up bills enough to start making my payments again they had closed my account and I wasnt able to make payments. Made a verbal agreement over the phone with XXXX XXXX XXXX, XXXX ( attorney for plaintiff ) office on Friday XXXX XXXX XXXX XXXX XXXX XXXX to pay XXXX XXXX by mayXX/XX/XXXX and XXXX $ every month after untill debt was paid in total. Asked to pay XXXX $ a month but Lady on phone said she couldnt do less than XXXXXXXX XXXX a month. After I agreed to the above mention amount I was told I didnt need to show up for court that the agency/firm would tell the judge about the payment agreement. I showed up for Court on XX/XX/XXXX at XXXX XXXX. When my name was called neither lawyer nor judge had any idea of an agreement made. After the lawyer was done with his other cases we discussed the agreement and he said to contact the agency/firm for a payment arrangement since he was not permitted to agree on a payment plan that low. I contacted the agency/firm and talked to a female who said her name was XXXX on XXXX XXXX XXXX at XXXX XXXX She informed me that the payment arrangement stated above was not noted on my file and that I needed to pay XXXX a month or XXXX every XXXX weeks. I gave my routing number and account number ( after giving my address, phone number and employer name and address ) to make a payment and asked for a receipt. She told me she would email me the receipt but I have not received one as of noon on XXXX XXXX XXXX Another note : The server for the agency/firm taped an attempt to serve paper to mail box ( which I found lying on the ground early one morning ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to CREDIT COLLECTION SERVICES under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to CREDIT COLLECTION SERVICES, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
On XXXX an ad-hoc off cycle escrow analysis was sent by Rocket Mortgage that incorrectly includes my condo complex 's master insurance policy premium into my escrow analysis thereby incorrectly inflating XXXX from {$1100.00} a month to {$1800.00} per month. I called on XXXX and asked them to fix this error. I was asked to send proof that the HOA Master insurance was paid separately and directly ( outside escrow ), which I did via Email on XXXX. I called again on XXXX and spoke to 2 different call center reps. Both were unable or unwilling to correct the error and refused to escalate to a manager when I asked. The inflated payments are being demanded starting XXXX. I will note that my mortgage is below market rate ( 3.125 % ) and thus this hassle appears designed to compel me to pre-pay this mortgage thereby allowing a paydown gain on the loan, which Rocket as servicer may be incentivized to produce.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation