vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against Freedom Mortgage regarding your handling of my homeowners insurance and mortgage responsibilities in connection with the severe property damage I experienced on XX/XX/year>. At approximately XXXX XXXX on that date, a tree fell onto my home, causing significant structural damage and rendering my family temporarily displaced. Immediately following the incident, I contacted my homeowners insurance provider, XXXX XXXX, to initiate a claim. However, during the claims process, XXXX XXXX denied coverage, stating that Freedom Mortgage had failed to properly manage or maintain the insurance policy associated with my mortgage. This claim is deeply concerning and inconsistent with my understanding and records. My mortgage payments, including escrow for insurance, have been made in good faith with the expectation that Freedom Mortgage would ensure that my homeowners insurance remained active and properly funded. Despite multiple attempts to resolve this issue, including several three-way calls between myself, Freedom Mortgage XXXX and XXXX XXXX , I have received conflicting and inaccurate information. At one point, both parties alleged that I had canceled my insurance policy, which is entirely false and unsupported by any documentation. As a result of this situation : My family and I were displaced from our home for over a month We incurred out-of-pocket expenses for temporary housing and repairs My children became ill due to unsafe living conditions I have experienced significant emotional and financial distress My husband sustained physical and emotional injury. He is presently ungoing XXXX XXXX Additionally, I have documentation confirming that my homeowners insurance policy was active at the time of the incident, further contradicting the statements made by Freedom Mortgage and XXXX XXXX. Given these circumstances, I am requesting the following : 1. A full investigation into how my insurance policy was handled by Freedom Mortgage 2. Written clarification regarding the status of my escrow account and insurance payments 3. Immediate correction of any errors or misrepresentations made to the insurance company 4. Assistance in resolving the denied claim and ensuring accountability 5. Compensation for damages and losses caused by this negligence Thank you for your immediate attention to this serious matter. 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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute several inaccuracies on my credit report regarding accounts with U S DEPT OF EDXXXX. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I have noticed that eight accounts, all reflecting a 'Charge-Off ' status, are being reported inaccurately on my XXXX credit report. The details of these accounts are as follows : - Account XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$8300.00} - Account XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$2400.00} - Account XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$5600.00} - Account XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$4900.00} - Account XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$1700.00} - Account XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$7400.00} - Account XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$5200.00} - Account XXXX XXXX XXXX XXXX XXXX with a balance of {$4400.00} The combined balance of these accounts is reported as {$40000.00}. Each of these accounts is inaccurately showing a 'Charge-Off ' status. This erroneous reporting has severely impacted my credit scores, with XXXX at XXXX, XXXX at XXXX, and XXXX at XXXX, causing significant distress and difficulty in obtaining necessary credit. I have previously attempted to resolve these discrepancies directly with U S DEPT OF EDXXXX and XXXX, but the information remains unchanged. This incorrect reporting is not only damaging my creditworthiness but is also a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and fair. The continued presence of these inaccuracies on my credit report is causing undue harm, affecting my ability to secure loans, housing, and other financial opportunities. It is imperative to my financial well-being that these errors are corrected promptly. I request the complete removal of these accounts from all three credit reporting agencies, including XXXX XXXX, and XXXX, as they are inaccurately reflecting my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: NV

Complaint narrative:
I entered into a financed home improvement agreement through GreenSky for approximately {$24000.00} with XXXX XXXX XXXX for motorized shades. Prior to installation, I disputed the transaction due to concerns regarding merchant performance, product suitability, and sales representation. The shade system sold is not compatible with my homes prewired shade infrastructure without additional electrical work, and I was informed such modifications could impact warranty coverage. I informed both the merchant and GreenSky prior to installation that I would not proceed with the project. No installation has occurred, the goods have not been accepted, and the services associated with the transaction have not been rendered. Despite this, GreenSky funded the merchant and I am being held responsible for the full loan amount. I requested cancellation, documentation of claimed costs, and confirmation the account would be treated as formally disputed. The merchant refused cancellation based on its cancellation policy despite the project not being installed or accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Green Square Company LLC.
State: MT

Complaint narrative:
PRG & XXXX continues to call my coworkers & family

Company response to consumer: Untimely response
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Happy Money, Inc.
State: CT

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: NM

Complaint narrative:
I signed up for 8 treatments at XXXX XXXX XXXX in XXXX, Wisconsin, in the XXXX of XXXX. Healthcare Finance Direct, XXXX, was the finance company that held the contract ( Application ID XXXX ) for " payments over time '' for these treatments, which were to occur at 8-week intervals. XXXX paid XXXX XXXX for all eight of my treatments, and I was to pay XXXX installment payments over time. I had two treatments at XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. In late XX/XX/XXXX, I received an email that XXXX XXXX filed for bankruptcy and would be closing all its spa locations. At that time, I emailed XXXX and told them to stop all future auto payments for this contract, given that XXXX XXXX was out of business and no longer providing treatments for me. In XX/XX/XXXX, I noticed XXXX was still debiting my bank account for this contract. Therefore, I instructed my bank to prevent any future withdrawals from XXXX and to credit my account back for any XXXX withdrawal that occurred since XX/XX/XXXX. In XXXX, I received a call from an XXXX representative inquiring why their withdrawals were being blocked by my bank. I informed them that, given that XXXX XXXX was out of business, I wouldn't and shouldn't be paying for services I was not receiving. The XXXX rep told me another spa would honor this contract and perform these treatments. I asked the rep to provide written documentation that this new spa was subsequently getting paid by XXXX when I made a payment to XXXX. The rep would not confirm this would happen, nor did they provide documentation that XXXX was, or would be paying the new spa if I received services from them. I subsequently contacted the spa in XXXX that I was told would perform services on XXXX XXXX 's behalf ; they confirmed that they received no financial compensation as part of the XXXX XXXX bankruptcy, nor do they receive reimbursement from XXXX when previous XXXX XXXX clients make payments to XXXX. Therefore, I will not pay XXXX any additional money under my original contract with XXXX XXXX. If I choose to use the new spa to complete my treatment, I will pay them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
Improper Debt Collection and Inaccurate Credit Reporting Former Landlord Account I am submitting this complaint regarding improper debt collection activity and inaccurate credit reporting related to a former tenancy dispute that was resolved through a court-approved stipulated judgment in XXXX XXXX XXXX XXXX XXXX In XXXX 2023, I entered into a stipulated judgment with my former landlord, XXXX XXXX XXXX XXXX, represented by trustee XXXX XXXX. The judgment resolved all financial issues arising from the tenancy, including the return of my security deposit in the amount of {$4500.00} XXXX days upon move-out, which occurred on XXXX XXXX, 2026, and prorated rent refund in the amount of {$1400.00}, as agreed upon by counsel for both parties. The underlying court matter was subsequently sealed by the court following resolution of the dispute. To date, the landlord has failed to return both the security deposit required under the judgment. and the agreed-upon prorated rent refund. Despite the court-approved resolution, the landlord and/or its collection agent, Hunter Warfield, Inc. , subsequently attempted to collect an alleged tenant debt that directly contradicted the terms of the stipulated judgment. In addition, the disputed account was furnished to the major consumer reporting agencies XXXX, XXXX, and XXXX despite the existence of the court judgment resolving the matter. I disputed the tradeline in full because the reported debt was inaccurate and inconsistent with the governing court order. Although the tradeline was ultimately removed on or about XXXX XXXX, 2026 following my disputes, neither the landlord nor the collection agency acknowledged the reporting error or addressed the underlying improper collection conduct. I believe these actions may constitute violations of the Fair Credit Reporting Act ( FCRA ), including failures to ensure the accuracy of furnished information and failures to conduct a reasonable investigation after receiving notice of dispute. The conduct may also implicate improper debt collection practices in connection with an allegedly invalid or legally resolved debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: OR

Complaint narrative:
They breached fdcpa violations by reaching out to my grandmother on her phone. Telling my private information. 15 u.s.c. 1692. I will seek legal action now. This is uncalled for. My ppi was on this message. And texted her 3 times and the legal process is to only teach out one time. This is deceptive and I will seek help. I have the evidence and written statement from my grandmother of being harassed. I have rights and I know what they are. I called there number and was discriminated and was the worst customer service ever. I will be filing with the department of justice in Oregon to open an investigation also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Hello there, Today XX/XX/year> around XXXX I went to a XXXX XXXX to deposit money into my XXXX account. I was using a XXXX card to deposit money into a XXXX XXXX ATM I wasnt aware at that time I could not do that. While I was depositing the money it asked me checking/ saving account I chose that and deposit the money and inserted {$65.00} into the money slot it took the {$60.00} but gave me back the {$5.00}, I tried to resert the {$5.00} and it came back out. The ATM shut down and said it canceled the transaction and did not give me back my money and I checked my account there is no deposit on there. It also did not give me a receipt either of the transaction. I quickly went inside and spoke to the manager told her the situation she told me I can not dispute the charge because I do not bank with XXXX XXXX told me to contact XXXX XXXX they should be able to dispute the charge. I called XXXX XXXX customer service and he told me he can not do that because I did not use a XXXX ATM he can not audit the ATM but, other banks should be able to do that, told me I should contact XXXX XXXX customer service so I contacted XXXX XXXX customer service and spoke to a lady her name is XXXX she said I can dispute the charge through XXXX XXXX even tho I do not bank with them. She also said I can only do that in person and told me I should go back to that XXXX XXXX and have them despite the charge. I went back to the XXXX XXXX and spoke with another lady she said that she can not do anything on her end because I do not have account with them and she also called another manager and said that customer service representative I spoke to is wrong and that isnt right. She told me I should call a XXXX XXXX and talk to a teller and see if they can despite the charge. I spoke to a lady she said she can not because I did not use a XXXX atm that she can not audit other bank atms. Im not really sure what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft, attaches is my police report and complaint. I demanded that this fraudulent account be removed from my consumer credit report as it has had horrid reflection on my credit report. Thank you, XXXX XXXX FTC REPORT # 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 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of an unpaid utility account that is being reported on my credit report. This account was reported to XXXX on XX/XX/XXXX to XX/XX/XXXX by I.C. Systems, Inc. The account is reported as reflecting utility services allegedly provided from XX/XX/XXXX thru XX/XX/XXXX, with no payments ever being received during this entire period. This reporting is concerning and raises serious questions regarding the accuracy, completeness, and verification of the information being furnished. Under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe is inaccurate or incomplete. This law requires credit reporting agencies to conduct a reasonable investigation and to correct or delete information that can not be verified as accurate. I am requesting a full reinvestigation of this account, including verification of the dates of service, the amounts claimed, and confirmation that the account belongs to me. I also request verification that I.C. Systems, Inc. possesses complete and accurate documentation supporting the claim that services were provided over an eight year period without any payments being made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of a collection account associated with I.C. Systems, Inc., relating to an XXXX XXXX XXXX XXXX account reportedly opened on XX/XX/2025, with a balance of {$350.00}. This account is currently being reported on my credit file ; however, I dispute the accuracy, completeness, and verification of this information. The reporting of this account does not align with my records and raises serious concerns regarding its accuracy. In addition, I was not notified of this alleged debt prior to it being reported to my credit file, which further contributes to my concern that this information may not have been properly validated before being furnished. Under the Fair Credit Reporting Act, specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe is inaccurate or incomplete. Credit reporting agencies are required to conduct a reasonable investigation and ensure that consumer report information is accurate. Additionally, pursuant to Section 623 ( 15 U.S.C. 1681s 2 ), furnishers of information, including I.C. Systems, Inc., are required to provide complete and accurate information and to correct information that can not be verified. I am requesting a full investigation into this account, including verification of the following : - Confirmation that this account belongs to me- Documentation of the original service agreement or contract with XXXX XXXX XXXX XXXX - Accurate confirmation of the account opening date and service period - Verification of the balance being reported - Documentation demonstrating that I.C. Systems, Inc. has the authority to collect this alleged debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I was never informed that they closed out my account. I would have never know that it was closed if I did not call them to figure out how long it would take for my payment to post to my account. I reached out by no one could explain to me the reasoning behind this. I then was told multiple things like over my limit, not making my payments etc. I then asked them to show me proof because I have never missed a payment on this account and have never went over my limit. The supervisor was rude.

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 2026-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Imprint Payments, Inc.
State: MI

Complaint narrative:
Someone opened a credit card with Imprint/XXXX in my name ( apparently on XX/XX/XXXX unknown to us. The last activity was on XX/XX/XXXX ) and now we are getting bills for this. We never opened an account with them. We have filed a complaint with XXXX. They said we had to file a complaint with you. I first received a bill from XXXX on XXXX XXXX and again on XX/XX/XXXX. via an email. We didn't know it was a bill so we never opened the email. In XXXX we received a paper bill in the mail. We opened that and realized it was a bill. We called the company and they told us they would take care of it. We never heard back from them. We then contacted XXXX and they told us they would look into it. We received another bill in XXXX. At that time, we contacted XXXX again. They took the information and said they would look into it. On XX/XX/XXXX, we were told to dispute this. We filed the complaint then. Keep in mind, everyone we talked to at XXXX told us different information on each phone call on how to proceed, ( wait and see, call us back, file a dispute, etc.... ) We received a letter from XXXX dated XX/XX/XXXX that stated the account belonged to us. IT DOES NOT! We call XXXX XX/XX/XXXX and they advised us to contact you and file a complaint with you.

Company response to consumer: Closed with explanation