vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I am filing this complaint because Credit Acceptance Corporation continues to report an auto loan balance on my credit reports even though the vehicle was declared a total loss in 2023. 

At the time of the loss, the vehicle was covered by XXXX insurance, which was intended to cover any remaining balance after the primary insurance settlement. Despite this, Credit Acceptance has continued to report that I owe a balance and has attempted to collect on the account.

I have disputed this matter directly with the company, but the inaccurate information remains on my credit reports. I believe the continued reporting of this balance is inaccurate, misleading, and has caused significant damage to my credit profile. 

I respectfully request that the CFPB investigate this matter and require Credit Acceptance Corporation to verify the accuracy of the account. If the company can not provide documentation proving that the reported balance is valid after the insurance and XXXX coverage were applied, I request that the account be corrected or removed from all credit reporting agencies.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
Source of Information : XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX, FL Date of Closure : XX/XX/year> Amount : {$1400.00} Closure Status : UNPAID Closure Status Date : XX/XX/year> Source of Information : XXXXXXXX XXXX  ; XXXX XXXX XXXX, XXXX, MA XXXX Date of Closure : XX/XX/year> RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$1500.00} Closure Status : UNPAID Closure Status Date XX/XX/year> I am submitting this complaint because the information being reported by XXXX XXXX XXXXXXXX and XXXXXXXX XXXX is seriously affecting my financial life. 

I did not make the transactions that resulted in these reported balances, and I dispute that I am responsible for these charges. Despite my efforts, these accounts continue to appear in my consumer reports and are causing me significant hardship. 

This situation is now affecting me personally. I recently got married, and because of these inaccurate reports, I have been unable to open bank accounts with my wife or fully participate in our family 's financial planning. This has created unnecessary stress and has negatively impacted our ability to manage our finances together. 

I respectfully request that the CFPB investigate these accounts and require the reporting institutions to provide complete documentation proving that I authorized the transactions and that I am legally responsible for the reported balances. If they can not provide sufficient evidence to verify the accuracy of these accounts, I request that they be permanently removed from my consumer records. 

The resolution I am seeking is the complete deletion of these accounts and all related negative information so that I can restore my financial standing and move forward with my family without being harmed by inaccurate or unverified reporting. 

I do not have access to documents showing what happened. The only communications I have received from the banks are demands that I pay money for transactions that I did not make.

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 2026-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
On XX/XX/year> Fair Collections & Outsourcing Inc ( XXXX XXXX XXXX # XXXX, XXXX, MD XXXX, sent a collections notice for {$1100.00} to myself & my husband regarding a debt that is in dispute with our prior landlord XXXX XXXX at XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX, VA XXXX ). We assert that a significant portion of this debt is not legitimate and we want these collection activities to stop until the proper amount of the debt is validated.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
They closed my account with my {$15.00} dollars in the account and did not want to return my funds after they closed my account.

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 2026-07-13 00:00:00
Product: Credit card — Store credit 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: AZ

Complaint narrative:
i returned on time XXXX different cell phones on different dates to Best Buy who have these documented on their website. they were purchased with the store card backed by citi bank. i opened XXXX disputes and provided all the info they asked for.

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 2026-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
After having a savings account with Wells Fargo for more than XXXX  years, I just noticed that I began receiving a $ XXXX service fee for the last XXXX months because my account was below a certain balance. It appears that the terms of the account ( or the type of the account ) was changed without my knowledge or consent. I received the fee for XXXX months before noticing. XXXX XXXX " system '' was only able to refund XXXX of those months before I requested that they close the account. This is a nefarious practice.

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 2026-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
I missed XXXX payment for my house in XXXXXXXX XXXX.My job shut down and I could not pay.I asked for help in XXXX forms sent in I was denied.Loan care has filled with my credit report that Ive been late every month and charging me interest every month even though loan care knows my circumstances and I can not pay anymore then what Ive been paying.Ive tried many times to fix this Ive tried to get out of my loan with other banks but they wont help me because of the false reporting of loan care.From XXXX of XXXX to XXXX of XXXX Ive never been late not once but in my report it says Im late every month.

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 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
The night of XX/XX/year>, I received an automated mail from Digital Federal Credit Union ( DCU ) informing me the password was changed and I should call back if it was not me. I called DCU in the morning and told them the password was not changed by me. While on the phone, they informed me that a balance transfer in the amount of {$10000.00} was scheduled from my account ( credit card ) and as were speaking the transfer was completed. This transaction was not authorized by me. 

I disputed the transaction with DCU. They assured me they will investigate and claw money back from the other institution. In fact they said I will get provisional credit which never happened. I called several times in following days. DCU said they are still investigating, the other party is not responding etc. 

Finally, DCU completed the investigation on XX/XX/year>. DCU informed me the concluded that the transaction was not fraudulent. They gave me a trace number and suggested I should reach out to the receiving institution. 

I was unsuccessful in contacting the receiving institution. 

DCU refused to give any details of the investigation where they concluded the transaction was not fraudulent which is obviously not true. 

But meantime I had to pay the entire amount with interest to keep my credit history clean.

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 2026-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year> I.C. SYSTEM, INC. 
XXXX XXXX XXXX XXXX XXXX MN XXXX Phone : ( XXXX ) XXXX RE : FORMAL CEASE AND DESIST DEMAND To Whom It May Concern : Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, you are hereby directed to immediately cease and desist all collection activity and all further communication with me regarding the alleged debt you claim is associated with me, except as expressly permitted by federal law. 

I dispute this alleged debt in its entirety. I do not admit liability, I do not acknowledge the validity of the alleged account, and I do not consent to your continued collection efforts or the furnishing of information concerning this alleged debt to any consumer reporting agency without competent evidence establishing that I am legally responsible for the account. 

Any continued collection activity or continued furnishing of inaccurate, incomplete, or unverifiable information may constitute violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692e, 1692f, and 1692g, as well as the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 and 1681i, to the extent applicable.

Because I dispute this alleged debt and believe it does not belong to me, I demand that you immediately cease all collection activity, stop reporting this alleged account to any consumer reporting agency, and remove any inaccurate, incomplete, or unverifiable information that you have furnished regarding me.

Failure to comply with your obligations under federal law may result in additional complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, the North Carolina Attorney General, and any other appropriate regulatory authority. I expressly reserve all rights and remedies available under federal and state law. 

This correspondence is not an acknowledgment of liability, a promise to pay, or a waiver of any legal rights. All rights are expressly reserved. 

Sincerely, 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 explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Cashera LLC
State: MI

Complaint narrative:
I submitted an application to Cashera LLC for funding and granted them access to my bank account through an online linking portal. Over the past three days, the company has completely cut off all communication and is refusing to respond to emails, calls, or portal messages. They are currently holding my highly sensitive personal application data hostage and retain active digital access to my primary bank account without providing the agreed-upon funding. I am demanding that Cashera LLC immediately respond to emails or calls. If this is not feasible for them please delete all of my personal data, revoke their access to my financial institution, and close out my application file safely.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
This is a new issue related to my previously closed CFPB complaint # XXXX regarding my XXXX account. 
I am again experiencing a similar problem involving unclear or incorrect information from XXXX. In XXXX, before making my first {$25.00} installment payment, I specifically asked a XXXX customer service representative whether I would be charged interest if I paid the minimum amount or paid in installments. I was told there would be no interest. 
Relying on that information, I paid {$25.00} in XXXX, {$25.00} in XXXX, and the remaining {$450.00}, fully paying my {$500.00} purchase balance. However, XXXX has now charged me {$14.00} in interest. 
I am requesting that XXXX  review the recording of my XXXX customer service call and reverse the {$14.00} interest charge. My concern is the repeated lack of clear and accurate communication regarding charges on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-13 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: CITIBANK, N.A.
State: DE

Complaint narrative:
Received a Citi Mastercard in the mail that I never requested, account ending in XXXX. The card was never activated. A week or so later, I received an email ( to my wifes email address ) that there was a balance due of {$3400.00}. I contacted Citi and told them I had never applied or activated the credit card. Then I asked where the charges were initiated and it was for XXXX XXXX XXXX in XXXX, XXXX. Neither myself or my wife have ever been to XXXX. I dont even own a passport. Now Citi is requesting additional personal information that I am not comfortable providing because I am afraid of more 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 non-monetary relief
Consumer complaint received 2026-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I would like to file a claim against XXXXXXXX XXXX XXXX  their creditor company, Sunrise Credit Services and all companies trying to collect a debt I don't owe. 
Unfortunately, I was scammed by aXXXX XXXX XXXX XXXX service ( XXXX XXXX XXXX XXXX  ) that is a total scam. It doesn't work. I cancelled the subscription the next day and returned the equipment to the XXXX XXXX XXXX  store, still they are charging. I received a bill with the following information from Sunrise Credit Services : Creditor : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  Account # : XXXX Balance due : {$240.00} Today I called them to dispute the claim and a very rude lady called XXXX XXXX, who hardly speaks XXXX, told me to call XXXX XXXX ( which I have no clue what it is ) This is a scam!!! 
When I called XXXX they asked for my phone number, and they said I don't have an account with XXXX, which I don't!!! I have never opened an account with XXXX XXXX. 

Please I would like this to be deleted from my credit report.

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 2026-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist bank, {$2100.00} was stolen from my account though my online Truist app, they did not hlep me at all .y son XXXX it to me because we I moving into our new home the next day, he was paying the security deposit and I was paying last and security, we lost our new home due to this and Truist bank refuses to give the money back and has caused us a lot of turmoil and I need something to be done please

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 2026-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Mortgage was paid off. Closing of account instructions for payoff proceeds and splitting of escrow account between both parties on the account which were signed at notarized by both parties with the lawyer at closing were sent to Truist. Truist did not follow the instructions for the escrow funds and sent the full joint money via direct deposit to one party on the joint mortgage account and is not refusing to fix the mistake. All documents from the lawyers that were faxed prior to the closing were also brought to a local branch to provide a hard copy of instructions that show it was sent to Truist prior to account/escrow closing. Truist had offered no resolution to date although several calls have been made to their company. Rather the closed the case with no further explanation or action taken.

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 2026-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am filing this complaint because ChexSystems is reporting approximately fifteen XXXX inquiry records that I dispute as inaccurate, unauthorized, unverifiable, or otherwise not supported by adequate documentation. 

After reviewing my ChexSystems consumer disclosure, I discovered numerous XXXX inquiry entries that I do not recognize or believe were reported without proper authorization. I have previously disputed these inquiry records directly with ChexSystems and requested that they conduct a reasonable investigation and provide evidence showing the legal basis for reporting each inquiry. Despite my disputes, the inquiries continue to appear on my consumer file. 

I have also filed disputes with the nationwide consumer reporting agencies, submitted identity theft documentation where applicable, and filed complaints with the Consumer Financial Protection Bureau regarding inaccurate information appearing on my consumer reports. To date, I have not received sufficient documentation identifying who initiated each inquiry, the permissible purpose under the Fair Credit Reporting Act ( FCRA ), the date authorization was obtained, or the documents relied upon to verify these records. 

Under the FCRA, consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy and to conduct a reasonable reinvestigation when information is disputed. I do not believe ChexSystems has met these obligations with respect to these TransUnion inquiry records. 

Because these disputed inquiries may negatively affect my consumer profile and ability to obtain financial services, I am requesting that ChexSystems conduct a thorough reinvestigation of every disputed XXXX inquiry, verify each one through competent documentary evidence, and remove any inquiry that can not be fully verified or that was reported without a permissible purpose. I also request that ChexSystems provide me with the name of the entity that requested each inquiry, the date of the request, the permissible purpose relied upon, and all documentation used to verify the accuracy of each reported inquiry.

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 2026-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
We bought a XXXX XXXX due, the car had to be repaired 8 times, the company left XXXX XXXX ca in XXXX the vehicle broke down again and I lt was still under warranty and the finance manager said no to repairing the vehicle so the finance told to volunteer to surrender the vehicle, .car sold us a broken unsafe vehicle to drive, we had to pay XXXX 8 times every two weeks, it was not serviced properly, constantly having to take it in. Irresponsible management

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I spoke with a representative at Credit Control LLC regarding a XXXX XXXX collection account. We agreed to a verbal settlement, and I paid the agreed-upon amount over the phone. The funds successfully cleared my bank account on XX/XX/XXXX ( see attached proof of payment ). 
On XX/XX/XXXX, Credit Control LLC updated my credit reports with an inaccurate balance, completely failing to reflect that the account was settled. When I called Credit Control LLC to request an emailed receipt or a Paid-in-Full letter, a representative refused to send an email, claimed 'client rules ' prevented it, and stated that they have already closed my file and returned the account to XXXX XXXX. 
Credit Control LLC has taken my money and is now actively misreporting an inaccurate balance to the credit bureaus on an account they claim they no longer own or manage. I demand that Credit Control LLC immediately issue a correction to XXXX XXXX, and XXXX  to delete this collection or update it to a {$0.00} balance, and provide me with a formal written receipt of my paid settlement.

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 2026-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
I contacted XXXX XXXX and they told me to contact northwest bank about recalling the original check, northwest refused to do anything

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