vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: MS

Complaint narrative:
Family member has been receiving calls from these debt collectors that im not aware of. They have also reach out to my job to garnished. They sent courts date I was aware of. I have submitted notary paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive resent my previous letter informing the company I received a copy of my credit report and noticed some late payments that still needed to be corrected. I was never late, and they failed to provide documents that proved otherwise. Clearly, prohibition means something that is not allowed. This law says a company shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Lets look at has reasonable cause to believe that the information is inaccurate. I clearly showed them in my previous letter that they have reasonable cause to believe that the information is inaccurate by defining accurate and what it means to be inaccurate, and by pointing out the laws theyve violatedtherefore making the information inaccurate! This is a violation of 15 US Code 1681s-2. The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave the organization permission to report my information.

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 2026-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: IDAHO CENTRAL CREDIT UNION
State: AZ

Complaint narrative:
I am filing a formal complaint against my HELOC loan servicer for an improper rejection of my reinstatement payment and for using unvalidated third-party fees to force my home into foreclosure.My property is located in Idaho. On XX/XX/year>, I called my servicer to cure my delinquency. I spoke with a representative named XXXX and attempted to make a phone payment of {$1000.00}, which she refused to process. Subsequently, another representative named XXXX stated that my exact loan reinstatement balance is {$1600.00}. However, XXXX explicitly stated that the bank will refuse to accept my {$1600.00} reinstatement fee unless I also pay {$2300.00} in attorney/legal fees upfront.Under Idaho non-judicial foreclosure laws, I have a statutory right to reinstate my loan by paying the actual past-due amounts to stop the foreclosure. By conditioning my reinstatement on the immediate payment of unverified, unitemized third-party legal fees, the bank is actively blocking me from saving my home and exacerbating the default.Furthermore, the bank has failed to provide a line-item invoice proving that {$2300.00} in legal fees is reasonable, necessary, or contractually authorized under my HELOC agreement. This practice violates RESPA servicing guidelines ( 12 CFR 1024.35 ) regarding the proper handling of payoff and reinstatement requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial has reported late payments and account information that I dispute as inaccurate. In addition, I believe excessive and/or improper fees have been added to my account without adequate explanation or supporting documentation. Despite my efforts to address these issues, the inaccurate information continues to be reported and is negatively affecting my credit profile. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2, furnishers of information have a duty to provide accurate information to consumer reporting agencies and to conduct a reasonable investigation when a dispute is submitted. I request that GM Financial : Conduct a complete investigation of the account ; Provide a full payment history and account ledger ; Provide documentation supporting every late payment reported ; Provide documentation supporting all fees, penalties, charges, and assessments added to the account ; Correct or remove any inaccurate information reported to XXXX XXXX XXXX XXXX XXXX Cease reporting information that can not be fully verified as accurate. If GM Financial can not substantiate the reported late payments and fees with competent documentation, I request that the inaccurate information be deleted from all consumer reporting agencies. I request written confirmation of the results of the investigation and all corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
This is the 3rd time Comenity Bank for Torrid Credit Card has contacted a co-worker about and discussed my credit card debt with her because we have the same last name. She just forwarded me a recorded message left again on her cell phone about my credit card. I have asked them on numerous ocassions to stop contacting co workers, employers, friends about my debt! Now this is negatively affecting my employment. It shouldn't be a legal form of collection to harass anyone they choose to in order to gain attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
My federal student loans were in an approved forbearance status. When the forbearance period ended, MOHELA failed to notify me in any way no letter, no email, no phone call, and no other communication. I received zero notice that payments were resuming and was given no opportunity to make payments or enroll in an income-driven repayment plan before delinquency was reported. I had no knowledge that my account was delinquent until I applied for a mortgage pre-approval for a home purchase. The lender informed me during that process that my credit report showed over 290 days of student loan late payments, which disqualified me from obtaining the loan. That mortgage application was the first time I became aware of any delinquency. MOHELA never contacted me before, during, or after the forbearance ended. The 290+ days of delinquency reported to all three credit bureaus are entirely the result of MOHELA 's failure to communicate with me, not willful non-payment. I have always been willing and able to make payments. I was never told I needed to resume them. This has caused direct, concrete financial harm : I was denied a mortgage pre-approval solely because of these erroneous delinquency marks. The Department of Education and federal oversight bodies have publicly documented that MOHELA systematically failed to notify borrowers when COVID-era forbearance ended. My situation is a direct result of that documented, systemic failure.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: CA

Complaint narrative:
In both XXXX and XX/XX/year>, I contacted the creditor and requested that the vehicle be voluntarily surrendered and retrieved from XXXX XXXX because the vehicle payments were not being made. A representative believed to be named XXXX refused my request to arrange pickup of the vehicle. She replied absolutely not for anyone to pick up the vehicle. So, I asked to remove my name from any association with this vehicle. As a result, the reporting of this account as an involuntary repossession is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Im so tired of this sine XXXX a.m. Been going back and forth they got my XXXX held between an old account according to them and my new account so I have NO ACCESS TO MY XXXX AND THEY Left issue UNRESOLVED Im filing a dispute with my bank but they say as long as its pending they have to wait to file so I just want my money I do have screen shots of todays events the old account was never asked to verify what would be lawful like last 4 of social street address and such they only ask me stuff they knew I would not recall like phone numbers and emails heck I didnt even know I had an old account. Then a lady name XXXX claims to have another account with a whole ither tag name and year that I did not hear from the chat I was in. They clearly made a mistake and admitted but leaving it at that meanwhile I removed my bank card and I still want my money. They should have never gave me a new tag and Visa card without clearing up all these accounts lets not forget they confirmed payment I sent to myself was successful help! XXXX shows payment sent XXXX other photo shows the account they claim money went does not even exist they claimed to have tried to move money to current account but claim it could not be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX XXXX department approved XXXX of my claims but they keep denying the other claims maybe due to the high dollar amount. How can XXXX claims be approved that occurred in the same time frame as the other claims? It doesnt make sense and needs to be resolved asap and its common sense.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I opened a Chime account using a valid referral promotion link and established employer payroll direct deposit immediately afterward. A payroll deposit of approximately {$2300.00} was successfully received. Despite meeting the apparent requirements for the advertised promotion, Chime has failed to provide the promised promotional bonus or clearly explain why it was denied. I contacted customer support multiple times and was repeatedly instructed to wait additional periods of time without receiving a substantive review or determination regarding eligibility. I am requesting : A formal review of my eligibility Clarification regarding whether my payroll deposit qualified Issuance of the promised promotional bonus if requirements were met Improved transparency regarding promotional qualification criteria

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resolution Law Group, LLC
State: MA

Complaint narrative:
On XX/XX/year>, third-party debt collection firm Resolution Law Group LLC violated the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX U.S.C. XXXX ( Deceptive Representations ) and XXXX U.S.C. XXXX ( Unfair Practices ), by executing and maintaining an illegal asset freeze on my XXXX deposit account. During a telephone dispute on XX/XX/year>, the firm 's representative, " XXXX, '' explicitly admitted on the record that his firm has no legal right to touch government public assistance funds. Despite this admission, the firm refused to release the freeze unless I surrendered XXXX months of unredacted personal bank statements. This is an abusive, predatory tactic : the firm is intentionally utilizing an illegal freeze on my basic subsistence funds as extortion leverage to conduct an unauthorized, non-court-ordered asset discovery. At XXXX XXXX on XX/XX/year>, I formally served Resolution Law Group LLC with an official Massachusetts XXXX XXXX XXXX, providing conclusive government proof that the entire frozen balance consists of exempt public benefits under XXXX. c. XXXX, XXXX. The firm has refused to release the account within a reasonable timeframe following written proof, resulting in the ongoing illegal conversion of protected public assistance funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
After I submitted a police report and identity theft documentation disputing this fraudulent account, Ability Recovery Services blocked or blacklisted my telephone number, preventing further communication regarding resolution of the matter. This conduct is deeply concerning because the company continues collection/reporting activity while simultaneously refusing communication after receiving evidence of identity theft. Blocking a consumer attempting to dispute fraudulent reporting may demonstrate failure to conduct a reasonable investigation under the Fair Credit Reporting Act and unfair collection conduct under the Fair Debt Collection Practices Act. I have already provided : Police report Identity theft documentation Fraud dispute notice Despite this, the company continues refusing deletion and has now cut off communication entirely.

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 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: PA

Complaint narrative:
I purchased a 2023 XXXX XXXX through Carvana and financed the vehicle through their lending process. At the time of purchase, Carvana represented more than once that the vehicle included an active manufacturer warranty with remaining time and mileage. Approximately three weeks after receiving the vehicle, the engine failed and the vehicle required a full engine replacement. During the repair process, XXXX confirmed in writing that the manufacturer warranty had already been voided prior to my purchase due to prior owner neglect and lack of maintenance. I believe this information was material to my purchasing and financing decision. If I had not separately purchased CarvanaXXXX coverage, I would have been personally responsible for the full out-of-pocket cost of a catastrophic engine failure shortly after purchase. I have now made two car payments while being without use of the vehicle during the repair process. I contacted Carvana multiple times seeking clarification and assistance regarding the warranty status and long-term impact of this issue. Carvana acknowledged my concerns but ultimately denied any additional compensation or extended warranty coverage. I am concerned that inaccurate or incomplete warranty information was presented during the vehicle purchase and financing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
After I submitted a police report and identity theft documentation disputing this fraudulent account, XXXX XXXX XXXX blocked or blacklisted my telephone number, preventing further communication regarding resolution of the matter. This conduct is deeply concerning because the company continues collection/reporting activity while simultaneously refusing communication after receiving evidence of identity theft. Blocking a consumer attempting to dispute fraudulent reporting may demonstrate failure to conduct a reasonable investigation under the Fair Credit Reporting Act and unfair collection conduct under the Fair Debt Collection Practices Act. I have already provided : Police report Identity theft documentation Fraud dispute notice Despite this, the company continues refusing deletion and has now cut off communication entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In XX/XX/year>, I disputed a debt that Midland Credit Management claimed to own and requested full validation, including the contract, complete accounting, and the chain of title. I sent a written dispute and validation request on XX/XX/year>. Midland responded on XX/XX/year> but did not provide the required documentation. They did not provide a contract, a signed agreement, a complete accounting, or any assignment showing the debt was transferred to them. The only Bill of Sale they provided was from XXXX Bank to XXXX XXXX, which does not identify my account and references an electronic file that was not included. I sent a second written dispute on XX/XX/year> explaining that the account remained in dispute and that validation was still incomplete. Despite the dispute being active and validation not being provided, Midland filed a lawsuit against me on XX/XX/year>. Filing a lawsuit while a debt is in dispute and without providing validation violates FDCPA 1692g ( b ). Filing a lawsuit without proof of ownership or a complete chain of title is also a false representation under 1692e ( 2 ) ( A ) and an unfair practice under 1692f. Midland is attempting to collect a debt they can not prove they own, and they initiated legal action without providing the documentation required by law. I am requesting CFPB review and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
I cancelled my XXXX XXXX XXXX was told to return my items that I had. I told them I had only the router and was told to either mail in to drop it off at the store and I will be good to go. When I went to the store to drop it off they told me I had some box of theirs. I told them I don't have any other item. Told them to check if it's in use or activated and they couldn't tell me that. Told me to call XXXX customer service. I spoke to a lady who told me that it shows I had some streaming box. I told the rep that I had returned that XXXX a long time ago go as I'm sure they can see what it was last used and working. She said it did show not activated, then put me on hold to look in to it. She came back and said that she will get it removed from my account and I was good to go. Then they started harassing me from XX/XX/XXXX to XX/XX/XXXX with XXXX text messages about equipment they believed I still had even though I told them multiple times, I don't have it.i had gone in to the store and they said it was just automated messages and it will go away. Fast forward to now they have reported me to collections in the amount of {$200.00}. I am a XXXX XXXX and I have to report all of these financial events. I am in the process of transitioning careers. I fear this will be look at negatively

Company response to consumer: Closed with explanation