vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by Vance & Huffman XXXX XXXX related to a collection account they report as opened on XX/XX/XXXX, with a balance of {$1700.00}. 

The underlying account originated with Credit Fresh in 2020 and was sold or assigned no later than XX/XX/XXXX, as confirmed by documentation from XXXX XXXX XXXX XXXX identifying XXXX XXXX XXXX, LLC as the creditor at that time. Despite this, Vance & Huffman began reporting the account in 2025 in a manner that falsely represents a 2020 default as a new obligation. 

Reporting a collection account with a 2025 opened date materially misrepresents the age of the debt and constitutes illegal re-aging. Additionally, the balance reported by Vance & Huffman exceeds amounts previously reported and has not been supported by any itemized accounting or contractual authority. 

I exercised my rights under the Fair Debt Collection Practices Act and requested validation of this debt, including chain of title and a breakdown of the balance. Despite this notice, the account has continued to be reported. 

XXXX XXXX XXXX reporting is inaccurate, misleading, and not verifiable, in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

I am requesting that Vance & Huffman be required to provide full validation, chain of title, and balance documentation, or delete the tradeline if it can not be properly substantiated. 
Reported incorrect information to credit bureaus .The issue is illegal re-aging, balance inflation, and collection without validation. 
Vance & Huffman XXXX collection / incorrect amount/ no validation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Subject : Unfair and Deceptive Practices Regarding XXXX XXXX Account Reporting Complaint Body : I am filing this complaint against MoneyLion regarding a {$1000.00} loan product initiated in XX/XX/year>. This product was marketed in a deceptive manner : I never received the {$1000.00} disbursement. Instead, MoneyLion moved {$100.00} into a " XXXX '' account to pay itself, and once those funds were exhausted, they began reporting late payments to my credit profile without proper notification that a balance was due on funds I never possessed. 
Upon contacting MoneyLion in XX/XX/year>, a representative acknowledged the issue and settled the loan in full. However, one 30-day late payment remains on my credit report. This reporting is inaccurate as the delinquency was caused by MoneyLions own account structure and lack of disbursement. I request that MoneyLion perform a Full Deletion of all late marks associated with this account from XXXX XXXX, and XXXX.

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 2026-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
" I am filing this complaint against Shellpoint Mortgage Servicing for the improper and arbitrary denial of my escrow waiver request. 

I closed on my home on XX/XX/XXXX with a Conventional loan. I provided a 20 % down payment ( {$59000.00} ), resulting in an 80 % Loan-to-Value ( LTV ) ratio from day one. My Closing Disclosure ( Page 4 ) explicitly states that I may be able to cancel my escrow account in the future. 

Chronology of events : On XX/XX/XXXX, the company sent me a letter acknowledging my 20 % equity and my 100 % Homestead School Tax exemption, explicitly inviting me to submit a written request to waive my escrow account. 

I submitted a formal, signed request along with my official 'Exemption Status Letter ' from Harris Central Appraisal District ( HCAD ). 

On XX/XX/XXXX, the company abruptly denied my request, claiming a '24-month payment history ' is required. 
This 24-month requirement is not present in my signed loan contract or Closing Disclosure. Furthermore, the company refuses to provide the specific contractual clause that mandates this waiting period for an 80 % LTV Conventional loan.

Currently, the company is collecting {$830.00} per month in escrow. However, my actual tax liability has significantly decreased due to my approved Homestead Exemption. The company is effectively holding {$7900.00} of my funds without a clear legal or contractual basis.

I request the CFPB to compel Shellpoint to honor my waiver request, close the escrow account immediately, and refund my full balance. ''

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 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: American Recovery Service Incorporated
State: CT

Complaint narrative:
XXXX XXXX sent me a letter dated XX/XX/year> regarding an alleged account ending in XXXX. In that letter, XXXX XXXX states the account has been assigned to ARSI and claims that because XXXX XXXX previously sent documents for validation, no further action is required. 

This response is deficient and evasive. It does not identify what documents were sent, when they were sent, whether the documents establish ARSIs authority to collect, whether the amount is accurate, or provide an itemized accounting supporting the balance. XXXX XXXX is attempting to close my validation request without providing meaningful validation and is shifting collection responsibility to ARSI while avoiding accountability.

Because the account is assigned to ARSI, ARSI is the active collector and must provide validation and proof of authority to collect before continuing collection activity and before furnishing or updating any information with consumer reporting agencies. If XXXX XXXX and/or ARSI continues collection or credit reporting without proper validation and accurate verification, it will cause ongoing harm and may constitute improper collection and inaccurate furnishing. 

I am requesting CFPB assistance to require both XXXX XXXX and ARSI to provide complete validation, proof of authority, and a full itemization, and to ensure any credit reporting is accurate and properly marked as disputed. If the companies can not produce competent documentation supporting the alleged debt and the amount claimed, I am requesting deletion/withdrawal of collection activity and cessation of furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They called me XXXX times a day when I answered I told them to mail me instead of calling me and he got aggressive with me and told me to pay it now. I never received any mail from them and they reported the debt on my credit score so I called again to come to a agreement and he told me I gave them a cease and desist and I never did I just told them to mail me and he wouldnt let me even talk about letting me come to a agreement and pay my debt. Instead he told me since Im XXXX military he cant help me? why would that matter? he got verbally aggressive with me on the phone and I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, Wells Fargo made two hard inquiries on my credit that I did not authorize. I was notified of the hard inquiries through my monitoring service at XXXX. Both inquiries were made to TransUnion, but not Equifax or Experian. According to XXXX, the XX/XX/XXXX inquiry was from " WFBNA CARD ( Retailer ) '' and the XX/XX/XXXX inquiry was from " WFBNA CARD ( Home shopping ). '' I was immediately reminded of the Wells Fargo fraud of opening accounts without consent years ago. I used to have a Wells Fargo account more than ten years ago but have not used Wells Fargo for about ten years. After the XX/XX/XXXX hard inquiry, I called Wells Fargo immediately as I was suspecting this may be similar to the previous Wells Fargo fraud. However, my call was bounced around in various departments, none of which provided a clear instruction on how to proceed. I currently do not have any account with Wells Fargo, and Wells Fargo refused to investigate based on my Social Security Number ( in fact, Wells Fargo did not even offer to help or ask for my SSN ). One of the instructions mentioned that I should visit a Wells Fargo branch in person to investigate but I do not have a branch within 100-mile radius from my home. The fact that there were now two separate hard inquiries on my credit, both from Wells Fargo ( and not any other bank ) but for different departments, makes me suspect that this is the Wells Fargo fraud resurfacing, instead of identity theft. I have no recent instance or exposure that would suggest that someone got a hold of my SSN. 

Attachment : Screenshot of my XXXX monitoring immediately after I received the notification of the XX/XX/XXXX hard inquiry. The XXXX inquiries are shown in the middle of the page.

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 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I was charged {$30.00} fee for each cash advance on 4 occasions during the past month. I feel thats excessive to charge {$380.00} in cash advance fees when I just paid {$180.00} to transfer my balance. I should have stayed with XXXX XXXX.

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 2026-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SERVICEMAC, LLC
State: NY

Complaint narrative:
In XXXX we submitted our application of hardship to loss medigation to servicemac. It took them almost XXXX weeks to notify me that they received my documents then a week to ask for additional information. I was supposed to be on a credit freeze will application statues was in process. We accepted a deferment in XXXX and yet we're still being reported late. Which dropped my score due to their mistakes.

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 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am requesting that your company conduct a thorough investigation into this matter and provide documentation that verifies the accuracy of this account. If you are unable to provide proper verification, I am requesting that the account be corrected or deleted from all credit reporting agencies immediately. 

I have the right under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) to have only complete and accurate information reported on my credit file. Continued reporting of inaccurate or unverifiable information is causing financial harm and negatively impacting my ability to obtain housing, credit, and other opportunities. 

Please provide written confirmation of the results of your investigation and any corrective actions taken. I expect this matter to be resolved promptly in accordance with federal law. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I was involved in massive data breach which in which my info was sold on dark web and used

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am reporting a deceptive 'Bait and Switch " promotional practice by TD Bank XXXX  a checking and savings bundle. On XX/XX/XXXX, I opened a TD Beyond Checking account ( ending in XXXX ) and a TD Simple Savings account ( ending in XXXX ). During the application, TD Banks system explicitly confirmed that the promotional code was XXXX Applied. ' The promotion required a {$10000.00} deposit into the savings account. Relying on the official system confirmation, I exceeded this requirement by depositing and maintaining over {$30000.00} for the required XXXX period ( as shown in my attached balance statement ). Despite my significant over-performance of the terms, TD Bank failed to credit the bonus by the legal XXXX deadline ( XX/XX/XXXX ). 

I have made repeated attempts to resolve this : XXXX XXXX : Phone call to customer service; promised a resolution and follow-up, which never occurred. 

XXXX XXXX : XXXX  phone call ; again promised a resolution with no follow-up. 

XX/XX/XXXX : Following a social media escalation, a representative called and admitted eligibility but attempted to devalue the offer by promising a {$200.00} 'consolation ' bonus within XXXX  days. That deadline has also passed with XXXX credit. 

TD Bank used a system-validated 'Success ' message to induce a high-value deposit and is now attempting to void that agreement XXXX  months later while ignoring all communication. This is a clear XXXX violation. I request the full original bonus immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XX/XX/year>, multiple unauthorized XXXX transactions appeared on my Current checking account within a short period of time. I did not make these purchases, and I was asleep at the time the transactions occurred. The charges do not appear in my personal XXXX account purchase history, and I have not used my XXXX account for a long time. 

I contacted XXXX directly, and they confirmed that the purchases were not made from my XXXX account and were associated with a different account and email address. The XXXX XXXX request confirmation number for this phone call is XXXX. Because the purchases were not made through my account, XXXX informed me they could not provide purchase documentation directly to me but confirmed that the transactions were not authorized by me. 

I reported the transactions to Current and filed a dispute. Despite providing supporting evidence, including screenshots showing the transactions were not in my XXXX purchase history and documentation of my communication with the merchant, my dispute was denied with the explanation that no error was found. I submitted an appeal and additional documentation, but the decision remained the same without a clear explanation of how the transactions were determined to be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KEYCORP
State: CT

Complaint narrative:
The company is attempting to collect and report a debt in an incorrect amount. In XX/XX/year>, I contacted the company and requested validation of the alleged debt, including documentation proving ownership of the account and an itemized breakdown of the balance being collected. 

Despite my request, the company failed to provide sufficient documentation to support the amount they are attempting to collect. The balance being reported does not match the original creditors records and includes amounts that have not been properly explained or verified. 

I have made good-faith efforts to resolve this matter directly with the company, but they have continued collection activity and reporting without validating the debt. I am disputing the accuracy and validity of the amount being collected. Ive also paid off the account and wrote a good will letter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This debt collector has done unjustifiable practices that are prohibited by the FDCPA. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a cosigner to a vehicle that was belonging to my ex-wife, the jeep was a lemon and the dealership that it was purchase from knew the vehicle has problems and kept telling us that they will fix it but they don't have a mechanic at the moment, months has gone by and eventually our marriage ended, My ex has tried multiple times to voluntary surrender the vehicle and the finance company is refusing to take it. My credit has taken a big hit and I need this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In [ Month/Year ], a domestic wire transfer of {$56000.00} was sent from my XXXX account to purchase a vehicle advertised on XXXX XXXX XXXX The listing appeared to be from a legitimate dealership but was part of a sophisticated scam. 

Local law enforcement confirmed the fraud and documented video evidence of the perpetrator withdrawing funds. Multiple IC3 reports were filed, and the scam is ongoing. 

I am submitting this complaint because Bank of Americas account received the funds and I do not know if the transaction was investigated, flagged, or escalated to their XXXX XXXX unit . I request documentation of the banks actions to prevent ongoing consumer harm and ensure the account is monitored for 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 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Unauthorized / Denied Transactions Account Number Ending In : XXXX Claim ID / Dispute ID : XXXX Dispute Type : Debit Unauthorized Transaction Date Error Reported : XX/XX/year> Claim Amount : {$18000.00} Description of the Problem : On XXXX XXXX XXXX multiple unauthorized transactions occurred on my account : {$1000.00} on XX/XX/XXXX at XXXXXXXX XXXX, labeled XXXX XXXX XXXX XXXX {$50.00} each on XX/XX/XXXX between XXXXXXXX XXXX and XXXXXXXX XXXX labeled XXXX XXXX XXXXXXXX ( totaling {$300.00} ) I disputed XXXX transactions with my financial institution under Claim/Dispute ID XXXX, but all disputes were denied, and I received a denial email. Despite repeated attempts to resolve this issue with the bank or the company, no refund or resolution has been provided. 

I am requesting the CFPBs assistance in investigating these unauthorized charges and ensuring that my financial institution properly addresses this issue and issues a refund for the {$18000.00} in unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: AZ

Complaint narrative:
I took out a loan for an emergency medical treatment and upon making my second payment the interest rate is 460 %! My original amount was {$700.00} and Ive already made 2 payments of {$120.00} but my loan is now over {$800.00} due to the high interest rate and is predatory! Their website is making it very difficult to access for assistance offering little to no support. I need to lower the interest or end my loan because this is ridiculous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation