vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing this complaint regarding unlawful debt collection practices and inaccurate credit reporting involving LVNV Funding LLC and Resurgent Capital Services, as well as XXXX XXXX and XXXX On multiple occasions, I formally requested proper validation of the alleged debts being reported and collected. Specifically, I requested a signed contract, complete account statements from the original creditor, proof of legal assignment, full chain of title, and evidence of my legal obligation to pay these debts. Despite my repeated requests, LVNV Funding LLC and Resurgent Capital Services failed to provide any of the required documentation. Instead, they only sent internally generated account summaries and generic billing statements, which do not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ). In addition, in one of their responses, they incorrectly treated my dispute as a claim of identity theft and requested fraud-related documentation. I never claimed identity theft. This was a clear misrepresentation of my dispute and an attempt to avoid their legal obligation to validate the debt. Despite the lack of proper validation, all three credit bureaus ( XXXX XXXX and XXXX ) continue to report these accounts as accurate. XXXX has already responded to my dispute stating that the accounts were verified as accurate. However, this investigation was not reasonable and relied solely on information provided by the debt collector, without any independent verification or supporting documentation. As a result, inaccurate and unverified information continues to be reported on my credit file, causing ongoing harm. I have made multiple good faith attempts to resolve this matter directly with the companies involved, including written disputes and a formal notice of intent to pursue legal action. At this point, it is clear that : - LVNV Funding LLC and Resurgent Capital Services are attempting to collect debts without proper validation- The credit bureaus are failing to conduct reasonable investigations and are relying on unverified information I am requesting the following : 1. Immediate deletion of all accounts associated with LVNV Funding LLC from all credit bureaus 2. A proper reinvestigation conducted using verifiable documentation 3. Full disclosure of the method of verification used 4. Copies of any documentation relied upon to verify these accounts If these issues are not resolved promptly, I will continue pursuing all available legal remedies for violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). This complaint is supported by documentation of my disputes, the responses received, and the credit bureau investigation results. I expect a prompt and complete resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This secured credit card required me to provide a {$200.00} security deposit. I was led to believe that after three months I would receive a credit limit increase, but that never happened. This was misleading and deceptive. They are still holding my secured deposit, and I want this fraudulent account closed and completely removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Click n' Close, Inc.
State: KY

Complaint narrative:
I was approved for a forbearance while I was in the process of selling my property located at XXXX XXXX XXXX XXXX in XXXX XXXX. The property was actively in the middle of a sale from the middle of XXXX through almost the middle of XXXX and it has now officially been sold as of XXXX. The purpose of the forbearance was to give me some financial breathing room while the sale was being completed. At the time I agreed to the forbearance, I did not fully understand that Click n Close could still report missed payments to the credit bureaus during that period. This was not clearly explained to me during my original call with the representative I spoke with about the forbearance. I only became aware after I received a hit on my credit. I later found out that this information was included toward the end of the contract stating that Click n Close reserved the right to report during the XXXX day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
My ex girlfriend was somehow able to take out a personal loan in my name. I had never signed for this loan nor had any knowledge of this loan at the time it was given by sofi. Only did I find out about this loan after I received a letter that the account was going into collections. When I called to try to correct the situation and ask for the proof that I have signed for this loan, it was never provided to me and the fraud department refused to send me any proof or documentation that I signed for this loan as I live in a completely different state than my ex girlfriend. I have recently reached out again to the company and they have just lied to me again and said they have cleared my name from the loan and were supposed to send me paperwork to prove that to me in which I never received. This is still on my credit and not resolved correctly and the company is not providing me with the requested info. I guess anyone can open a fraudulent loan with Sofi bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding improper force-placed insurance charges and escrow overcharges on my mortgage account with Rocket Mortgage ( formerly XXXX XXXX XXXX XXXXXXXX ). I have maintained homeowners insurance for my property. However, due to a brief coverage gap of approximately 6 days between my XXXX policy period, Rocket Mortgage purchased force-placed insurance. I understand this initial placement may have been triggered by that gap. However, the issue is that after I obtained valid insurance coverage, I promptly provided proof of insurance to Rocket Mortgage. On or around XX/XX/XXXX, I submitted written notice along with documentation confirming my active policy. My insurance agent ( XXXX XXXX XXXX ) also submitted proof and confirmed that Rocket Mortgage received and acknowledged the insurance information. Despite having this information, Rocket Mortgage continued to charge me approximately {$270.00} per month in escrow for force-placed insurance from around XX/XX/XXXX through XX/XX/XXXX. I was told that these charges would be corrected and refunded later, so I continued making payments in good faith. In total, I paid approximately {$2700.00} in additional escrow charges related to this issue. However, I only received a partial refund of {$840.00}, and I have not been provided with any clear or detailed explanation of how this refund was calculated. Additionally, an escrow analysis statement dated XX/XX/XXXX shows that Rocket Mortgage continued to project and include insurance-related charges into XXXX, despite my valid insurance coverage being in place. I have made multiple attempts to resolve this issue, including submitting documentation, contacting the company numerous times by phone, and coordinating with my insurance agent. Despite these efforts, the issue remains unresolved, and I have not received a full accounting or refund. This situation has resulted in significant financial impact and unnecessary stress due to the companys failure to properly process and act upon the insurance information they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
This is my third and, hopefully, final complaint related to awful customer service following the end of my car lease. Santander Bank and XXXX XXXX XXXX XXXX ) are XXXX of the worst companies when it comes to customer service. On XX/XX/year>, I requested several accommodations based on prior horrendous service over the prior XXXX months, including waiver of a {$390.00} fee. I made payment of {$2000.00}, which included payment of the {$390.00}. On XX/XX/year>, and only after making my final payment, I accessed a Vehicle Return Invoice from XXXX showing total adjustments of {$680.00}. The {$680.00} included a credit or reduction for the {$390.00}. Since XX/XX/XXXX, I have attempted to obtain my reimbursement for the {$390.00} without luck. Since that time, I received the typical runaround -- by phone and by email -- for which these companies are known. On XX/XX/year>, I emailed XXXX to ask how I get reimbursed for the extra {$390.00} that I had recently paid. On XX/XX/year>, XXXX emailed me and said to contact customer service. Very unhelpful. On XX/XX/year>, I called XXXX and wasted XXXX hour by phone. I spoke with XXXX ( # XXXX ), a rep who declined to help and transferred me to the Final Bill Team. I then spoke with Ashutosh ( # XXXX ), a rep who said that the account was closed, that he couldn't help me and that I should email the LeaseFinalBill address. On XX/XX/year>, I emailed XXXX to request a refund of the {$390.00}. On XX/XX/year>, in a typical unhelpful manner, XXXX advised that no refund is pending and the account is showing closed. '' Very unhelpful. On XX/XX/year>, I wrote back to the email that I had used on XX/XX/XXXX and again asked for the {$390.00}. On XX/XX/year>, XXXX emailed me, taking a different approach : this is not a written correspondence email and to call the Final Bill Team. Very unhelpful. On XX/XX/year>, I emailed again for an answer. On XX/XX/year>, XXXX emailed again to say : this is not a written correspondence email and to call the Final Bill Team. I request a refund for {$390.00}. I have uploaded the XXXX letter saying that my total would be reduced/adjusted for the {$390.00}. If I do not receive the refund, I am prepared to litigate in small claims court and hold XXXX and Santander responsible for my filing fees and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax inaction violates federal law and my rights as a consumer.

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 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting by XXXX on my credit report. XXXX has reported a collection account with a date of XX/XX/XXXX, which is incorrect. The situation in question actually occurred in XX/XX/XXXX, and I have documentation confirming that my last bill was paid in XX/XX/XXXX. I have a clean payment history with XXXX and did not have a delinquent account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NV

Complaint narrative:
Monterrey Financial Services made a collection in my name. For XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I completed a lease buyout with Ally Financial in XX/XX/XXXX. Despite the loan being paid off, the lien has not been released to the XXXX XXXX DMV. Beginning in XX/XX/XXXX, I made multiple attempts to resolve this issue by contacting Ally Financial. I have spent significant time on the phone, including being transferred multiple times and placed on extended holds without resolution. I eventually spoke with a supervisor who confirmed that the lien would be released. As of today, the XXXX XXXX DMV still shows Ally Financials lien as open on the current title. This is preventing issuance of my vehicle title, while a new lien from XXXX XXXX XXXX XXXX remains pending and can not be finalized until the prior lien is removed. I have specifically requested confirmation of an electronic lien release to the XXXX XXXX DMV and the date of transmission, but this information has not been provided. This delay has persisted for several months after payoff and continues to prevent me from receiving my vehicle title.

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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to notify you that I am a victim of identity theft and to dispute fraudulent accounts appearing on my credit report. my information also was stolen and leaked in a data breach with my social security number and diver license. I did not authorize or open the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( multiple accounts ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX accounts These accounts are not mine and were opened without my knowledge or consent. under code 15 USC 1681c-2

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: NE

Complaint narrative:
XXXX XXXX XXXX and Halstead Financial Services are both charging me for one account. XXXX is owned by Halstead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Re : Debt Validation Request I am requesting validation of the alleged debt. Provide : - Original signed agreement with XXXX - Full account history - Proof this debt is mine - Proof you are authorized to collect If not validated, delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
have disputed the Exeter Finance account multiple times over the past several months, approximately every 60 days, due to inaccurate and inconsistent reporting on my credit file. The account is reported as closed, yet continues to reflect a high outstanding balance. The payment history is inconsistent and appears incomplete. In addition, key account details such as monthly payment information and full verification data have not been properly provided. During each dispute, I specifically requested the method of verification, supporting documentation validating the reported balance, and clarification of the account status. However, the account continues to be reported without adequate verification or correction. Despite repeated disputes, the company has failed to provide proper documentation or resolve the inaccuracies. This continued reporting of unverifiable and inconsistent information is misleading and does not meet the standards required under the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be fully investigated and deleted if it can not be verified as accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am filing a formal complaint regarding multiple student loan accounts being reported by Sallie Mae Inc. that were opened without my knowledge or consent. The accounts in question include : - Account opened on or about XX/XX/XXXX, with a balance of approximately {$32000.00} - Account opened on or about XX/XX/XXXX, with a balance of approximately {$11000.00} - Account opened on or about XX/XX/XXXX, with a balance of approximately {$11000.00} All of these accounts are currently listed as open, in deferred status, and scheduled for repayment beginning XX/XX/XXXX. I did not apply for, authorize, or receive any benefit from these loans. I believe these accounts were opened fraudulently and may be the result of identity theft or unauthorized use of my personal information. I have disputed these accounts previously ; however, they continue to be reported, which is causing ongoing harm to my credit profile. I am requesting the following : 1. A full and thorough investigation under the Fair Credit Reporting Act ( FCRA ). 2. Immediate closure of all fraudulent accounts and confirmation that I am not financially responsible for these debts. 3. Removal of all associated tradelines from my credit reports with XXXX, XXXX, and XXXX. 4. Copies of all documentation related to these accounts, including applications, promissory notes, IP logs, and any identifying information used to open them. 5. Written confirmation that these accounts have been permanently closed and will not be re-reported. If necessary, I am prepared to provide a Federal Trade Commission Identity Theft Report and any additional supporting documentation. This matter requires immediate attention and resolution, as it is negatively impacting my financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: WA

Complaint narrative:
I have spent over XXXX years attempting to resolve this issue. Documentation exists confirming : The solar contract was fully cancelled by XXXX XXXX No work was ever performed or services delivered XXXX XXXX XXXX acknowledged the project was cancelled and began cancellation review ( XX/XX/XXXX ) Despite this, XXXX issued a loan closing certificate and attempted to collect approximately {$43000.00} ( as of today ) This account should never have been funded or reported. Instead of resolving the issue, the account has : Been improperly reported to credit bureaus Been sent to collections Caused significant damage to my credit and financial standing This matter has already been reported multiple times to the XXXX State Attorney Generals Office. This is a clear case of : Attempting to collect a debt that is not owed Failure to correct inaccurate credit reporting after notice Failure to properly close an account after confirmed cancellation I am requesting immediate action. I have just been served collection of debt notification from XXXX 's company Concord Servicing LLC to collect XXXX from me for services never started or completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My XXXX account wont let me connect my bank account to it. Ive tried so many different methods, including, entering it manually, trying again the next day, trying a different bank account entirely. None of these have worked. Ive also tried contacting support through multiple methods and I cant get in touch with anyone. The live chat only connects you to a bot and never transfers over to a live agent. The same with calling, it only gets you to the menu and never advances you past that to a live agent. Ive also emailed XXXX and received an automatic response saying that they dont monitor that account. Im out of options and dont know what to do. I would go ahead and just close the account if I didnt have {$100.00} sitting there.

Company response to consumer: Closed with non-monetary relief