vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Fusion Auto Finance
State: NJ

Complaint narrative:
I am filing this formal complaint against the vehicle lessor for non-compliance with state-mandated leasing timelines, unfair billing practices, and threatened credit reporting violations under the Fair Credit Reporting Act ( FCRA ). 

1. VIOLATION OF STATE NOTICE MANDATES : I physically surrendered my leased vehicle to an authorized dealer grounding lot on XX/XX/year>. Under applicable state consumer protection laws ( N.J.S.A. 56:12-65 ), lessors must provide an itemized excess wear-and-tear notice within 5 business days of vehicle turn-in. The lessor completely failed this framework, waiting a full 24 days to generate initial Invoice XXXX XXXXXXXX on XX/XX/year>, totaling {$2600.00}. Their legal right to collect these fees is entirely extinguished under civil guidelines. 

XXXX. ATTEMPTED COLLECTION OF POST-SURRENDER DAMAGE : Management formally admitted in writing that they did not physically possess or inspect the vehicle until after a multi-week transport carrier break in the legal chain of custody occurred post-surrender. Photographs provided by the lessor explicitly show physical roofline crushing entirely consistent with over-tightened commercial car-carrier transport chains, winches, and straps inside an indoor commercial shop environment. Under strict bailment standards, my physical care and liability for the asset ended on XX/XX/year>. I am not financially liable for logistics or lot damage caused by their own carrier network. 

XXXX. XXXXXXXX XXXX : I have communicated in writing that I am prepared to immediately remit my standard contractual {$400.00} Disposition Fee plus applicable sales tax ( {$420.00} total ). Management has flatly refused to provide an adjusted ledger sheet and has threatened to route the full unverified balance to collections. I demand the lessor be ordered to adjust the ledger strictly to the {$420.00} disposition balance, permanently waive the un-enforceable {$2200.00} carrier-damage fee, and flag this line item as formally disputed to protect my credit profile under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
In early XX/XX/year> I noticed that my mortgage payment through Freedom Mortgage had increased by almost {$600.00} a month. I currently pay my mortgage every XXXX weeks on time for over a year and a half. I asked for my taxes and insurance. When I called the mortgage company they told me that my insurance had doubled I immediately called and canceled the policy and secured a new policy at the old rate. I was told in a new XXXX girl statement would be issued and the payment would drop back down. This never happened. I was also contacted by a sales rep saying that I should do the FHA streamline which would lower my interest rate from over XXXX to XXXX %. I agreed and started the process unfortunately during the process it was stated that I had an escrow shortage which did not sense since I was escrowing {$830.00} a month for over a year and my taxes are approximately {$7000.00} a year and insurance {$2200.00}. In XXXX my escrow went to {$1500.00} but I'm told I have a shortage! I asked for an escrow reassessment and was not provided with any transparency. I've worked in the mortgage industry in the past and was shocked I could not get XXXX person to provide me with an accurate accounting of my funds paid. XXXX Freedom Mortgage employees actually agreed with me and said my account " made no sense '', several apologies were given but no answers.I am very concerned that Freedom is practicing predatory lending practices and not providing transparency to their customers. I plan to refinance with another mortgage company but am distraught and disappointed with how my money was handled and can only imagine what is happening to others. I am an ethical honest person who works in the public sector ... I blindly trusted them which I now know was a mistake. I have yet to receive the proper documents I requested and am awaiting yet another call back.

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 2026-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
" U.S. Bank is withholding a verified {$3400.00} corporate insurance settlement check ( # XXXX ) issued by XXXX XXXX XXXX XXXX. Today, XX/XX/year>, the check vendor, Deluxe Payments, joined a live XXXX conference call with me XXXX  a U.S. Bank XXXX  XXXX  explicitly authenticated the validity of the funds.Following issuer verification, a XXXX refused XXXX  override the hold, citing an automated 'business address ' flag on the account. However, this is the exact matching address printed on my official government-issued ID used XXXX  open the account. I am currently experiencing physical homelessness XXXX  facing severe immediate hardship. The bank is refusing an XXXX manual override on fully verified insurance funds based entirely on an ID-verified address flag, while actively evading administrative tracing protocols by refusing XXXX  provide XXXX  ID details. I demand immediate corporate compliance intervention XXXX  an override XXXX  release my 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 2026-07-14 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I've had the same issue with Wells Fargo stealing money and when I call them they refund the money. However they're saying I owe them for a reversal credit of my own money. They did not give me any credits because it was my money removed by then. I've never had a XXXX account and they keep saying its some type of XXXX skip trace to where someone can take money out of my accounts. Corporate claimed that they fixed the problem but now they're removing money again saying they overpaid me but they didn't they reverse my money and called it a temporary credit but it's not because it's my money that they replaced. I did not receive any extra credits from them at all. I reviewed my account and there was not any extra money received.

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 2026-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit International Corporation
State: NV

Complaint narrative:
Today, XX/XX/XXXX, I received yet another phone call from Credit International after I had already emailed them a cease and desist letter via email on XX/XX/XXXX. In that specific email I requested a large amount of information. Today 's phone call, the representative threatened my credit, told me " we've already validated the debt '', they have not ; she went further to say " this is not how this works and we will ruin your credit, have your attorney call us ''. This issue has been ongoing with XXXX and multiple collections agencies now. I've already disputed this debt with Credit International in XX/XX/XXXX, with a separate company in XX/XX/XXXX, with XXXX directly in XX/XX/XXXX and now this is the XXXX time, with Credit International XXXX of XXXX. This debt has long been in dispute with XXXX directly and XXXX has failed repeatedly to acknowledge their failure with the merchant chargeback process by denying me the ability to validate charges largely in part due to the fact that these charges originated when I still owned the company and became chargebacks due to friendly fraud months after I sold the company. XXXX has a fiduciary duty to allow merchants the ability to rebut chargebacks and I was never given the opportunity to do so, so this is XXXX debt to own because these original charges were valid as the services in question were fully provided. If I do not see resolution with this debt, I will seek FDCPA violations and pursue a lawsuit against XXXX  for damages. 

Credit International has violated FDCPA regulations by persisting collection efforts with me via phone.

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 2026-07-14 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: Albert Corporation
State: NC

Complaint narrative:
I have a savings account as well as the ability to borrow cash. I borrowed cash this morning, and it was immediately sent to my debit card. Then I tried to go to my savings account and also transfer that money. I was told I needed to reverify the debit card I had just received an advance from. When I went to reverify the card I just used, I was told I would need to repay the loan I just borrowed BEFORE I could access the money that was in my savings account. I contacted XXXX to get this fixed as I just used the card so clearly its valid. But their solution was to repay the loan and the loan charge and then reverify the card then I could take another loan. That would mean they got {$8.00} because they set their system up in a way that makes no sense. If the card is valid to borrow money, its valid to receive money. There was no indication that the card needed to be reverified when I was borrowing the cash.

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit card account was automatically moved from XXXX to Citibank against my choice during a corporate transition. I never asked to switch banks. Citibank is now charging me an annual fee on an account I can not even log into. Their customer service lines are completely unhelpful. I want Citibank to immediately either downgrade my account to their no-annual-fee option or close this account completely and fully refund/waive any annual fees charged to me. I refuse to pay a fee to a bank I did not choose.

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 2026-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the late payment information currently being reported on my credit report, as I believe it is inaccurate and does not reflect my true payment history. This reporting is negatively impacting my credit standing without justification. 

I request an immediate and thorough investigation of these entries. If any late payment can not be fully verified as accurate, it must be corrected or removed without delay in accordance with credit reporting requirements. 

I expect prompt action to ensure my credit file is accurate, complete, and properly updated.

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 2026-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Subject : Regions Bank Repeated Collection Calls, Account Dispute, and Request for Accounting I am submitting this complaint regarding Regions Bank 's repeated collection calls concerning an account that the bank claims is past due. 
On XX/XX/year>, at approximately XXXX XXXX Eastern Time, I spoke with a Regions Bank representative after receiving another collection call. During that conversation, I advised the representative that I dispute the alleged delinquency and requested that the repeated telephone calls stop. 
I also requested a complete accounting of the account because I do not understand how Regions Bank determined that my account is past due. Specifically, I requested a complete payment history, an itemization of all payments received, how each payment was applied, all interest and fees assessed, and an explanation supporting the bank 's claim that my account is delinquent. 
Despite my request for documentation, I continue to receive repeated collection calls. I believe I am entitled to receive sufficient information to understand and evaluate the amount claimed to be due before continued collection efforts. 
I respectfully request that the CFPB investigate this matter and require Regions Bank to : Provide a complete accounting of my account ; Explain the basis for its determination that my account is past due ; Review its collection practices regarding the repeated telephone calls ; and Ensure that future communications are handled appropriately while my dispute is being reviewed. 
Thank you for your attention to this matter. 
Respectfully, 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 non-monetary relief
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I recently am in the transition of moving out my apartment to a different location checked my report and on XXXX of this year this collection account was added to my credit report Im a few points short of qualifying for a new apartment. I disputed this account already it just popped back up. The name of the company is Ability Recovery Services LLC. I never applied for a card or any services this company provides desired resolution is to be removed from all three credit bureaus so I can get approved for new residence. Ive disputed this already as fraud and now Im disputing again, the total amount for this collection is {$560.00}.

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 2026-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
AmeriSave sales agent XXXX XXXX write the following in text to me. XXXX wrote no one would loan me equity line with my score. XXXX is telling me the entire mortgage industry wont loan me equity line. How could he know this. XXXX XXXX XXXX XXXX XXXX 

This is what he wrote : Okay that's fine, based on what i see here your credit is below XXXX so a refi is the only option you will have anywhere.

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 2026-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The account # XXXX was active for several years ; however from the beginning, I could not access the statments. Synchrony decided to close my account for no apparent reason. They still insisted on payments to a closed account and would have representives call at all times of the day, harassing me. Finally, I was able to speak with a representative that was able to process my request for the statments of the account. When the statements arrived the information was redacted in the account column. The account ending XXXX is paid, minus the last payment to close the account {$54.00}. 
My other account " Care Credit '' with Synchrony is paid in full also, but the account is open. Synchrony is trying to pull my credit down, with false 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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
Every time i pay a large chunk of the card balance down, the following month they reduce my credit balance. Thus then the following month making my credit go down. No other cards have done this. And they solely are responsibly for tanking my credit score then causing the domino effect. Every time I pay XXXX dollars they then reduce my limit to that. 

Unethical at best.

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 2026-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
The company is Merchants Adjustment on my credit report is how I found it. I tried calling multiple times the gentleman that I speak with is very rude. I asked for them to send the information regarding my debt with proof of them having rights to the debt he will not mail me any information. I never received a bill from them. I asked multiple times for them to send me something by mail and he totally ignores it start being rude argumentive and when asked a question he is inappropriate. I have been battling with this for more than 3 years now. My name is XXXX XXXX XX/XX/year>. They give me no account number so I have no idea what that is.

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 2026-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Complaint ID : XXXX I am providing additional information regarding my complaint. 
Within days of purchasing the vehicle, I began experiencing significant problems with the vehicle. I promptly notified the dealership and Credit Acceptance of the issues and disputed the transaction.

I provided Credit Acceptance with documentation supporting my dispute, including inspection-related information and other evidence concerning the vehicles condition. Credit Acceptance requested additional information from me, and I provided the information that was requested.

After providing the requested documentation, I repeatedly sought clarification regarding how Credit Acceptance intended to resolve the matter. I requested information regarding whether the transaction would be rescinded, whether repairs would be addressed, or whether another resolution would be offered. 
I did not receive a substantive response addressing the merits of my dispute. 
Instead, the vehicle was repossessed. 
I am concerned that despite my timely dispute, cooperation, and submission of supporting documentation, Credit Acceptance failed to meaningfully address the issues I raised before exercising its remedies under the contract.

I request that Credit Acceptance provide : The date it received each of my dispute communications.

Copies of all internal notes concerning my dispute. 
Copies of all records relating to any review or investigation of my dispute. 
An explanation of what findings were made regarding the evidence I submitted. 
An explanation of why the vehicle was repossessed while the dispute remained unresolved. 
Copies of all notices relating to repossession, sale, deficiency balance, and post-repossession rights. 
Confirmation of whether my account has been coded and reported as disputed. 
I further request that Credit Acceptance provide a complete written response addressing the substance of my dispute rather than merely relying upon contractual collection or repossession remedies. 
I submitted my concerns promptly after discovering the vehicle issues and cooperated with all requests for information. I am seeking a full explanation of Credit Acceptances actions and handling of 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