vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to LVNV Funding LLC c/o Resurgent Capital Services . I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that LVNV Funding LLC c/o Resurgent Capital Services currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to LVNV Funding LLC c/o Resurgent Capital Services . The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: WV

Complaint narrative:
b"I was married in XXXX and my husband passed away with a massive heart attack on XXXX XXXX XXXX. I was awarded is Social Security but the beginning of XXXX my payments were Suspended for 3 months due to the fact I work full time and they with-hold due to the rules of me working a full time job and making more than the set limit XXXX. I contacted them in XXXX XXXX as soon as Social Security advised me what was to happen. I filled out the paperwork with Rocket and have submitted everything 4 times. I have called and spoke with Mortgage Assist and they say send again. I have tried to work in getting this issue fixed because this is a short term issue and I needed help in working with me on the payments until I start receiving payments again in XXXX XXXX. I check daily to see on my account and they said I was denied because I didn't qualify. I married, lost my husband less than 2 1/2 months into our marriage and Social Security penalized my widows benefits that I received ($2,865.00) because I work full time at the age of 62 I have to work and have insurance. It would be different if I was hiding but until that point I was always on time with my payment. I am overcoming a loss of a spouse and then income."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.

Complaint narrative:
FORMAL NOTICE OF DEFAULT AND REGULATORY NON-COMPLIANCE This complaint identifies a material breach of contract and deceptive business practices by Citi XXXX XXXX XXXX ( Citi XXXX ). Despite my total compliance with all promotional prerequisites, Citi XXXX has failed to disburse a contractually obligated {$100.00} promotional bonus. The firm is now in official default of the final performance deadline provided by its own authorized agents. 1. Pattern of Misrepresentation. Throughout the first quarter of 2026, I engaged in a series of documented inquiries with Citi XXXX representatives. On multiple distinct occasions, Citis agents provided unequivocal affirmations. They confirmed I had successfully satisfied all qualifying criteria including funding and retention requirements. They explicitly stated the promotion was not subject to a " one-time '' limitation and confirmed my account was fully eligible. Most critically, they provided a firm, binding commitment that the credit would be posted no later than XXXX 2026. 2. Regulatory Violations. Citi Invests failure to perform constitutes a violation of the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) regarding Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). The firm induced me to maintain capital within their institution based on these specific, repeated affirmations. This is a clear case of Deceptive Inducement. Furthermore, the discrepancy between the firm 's promises and its failure to execute payments reflects a gross failure of internal supervisory oversight under FINRA Rule 3110. The firm has extracted the benefit of my capital under false pretenses and subsequently repudiated its obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/, I identified unauthorized transactions totaling {$460.00}, consisting of seven separate charges from XXXX. I promptly reported these transactions to Current and submitted a dispute, along with supporting screenshots documenting the charges. This is not an isolated incident. On XX/XX/, I also disputed a {$56.00} unauthorized XXXX transaction. Additionally, on XX/XX/, I submitted a dispute for {$1600.00} involving unauthorized transactions through XXXX. In each case, I provided substantial supporting evidence showing that these transactions were not made or authorized by me. Despite the volume and clarity of the evidence provided, Current consistently denied my disputes within an extremely short timeframeoften within a few hours and always within 24 hours. A legitimate investigation into unauthorized transactions can not reasonably be completed in such a short period, especially when multiple transactions and supporting documentation are involved. Additionally, Currents records appear to be inconsistent and potentially misleading. In some cases, the transaction history reflects that disputes were filed on one date and resolved much later, while in reality I received notification emails stating the disputes were finalized within the same day. This discrepancy raises serious concerns about the accuracy and transparency of their investigation process. Based on the repeated pattern of rapid denials, lack of meaningful explanation, and inconsistencies in reporting, I believe Current failed to conduct a reasonable and good-faith investigation into my claims as required under federal law. It appears that my disputes were dismissed without proper review, despite clear evidence of fraudulent activity. I am requesting that Current conduct a thorough and legitimate investigation into these unauthorized transactions, provide a detailed explanation of their findings, and correct any errors related to these disputes, including reimbursement where appropriate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and misleading reporting of an auto loan account by GM Financial on my consumer credit reports. Account Name : XXXXGM FINANCIAL Account Number : XXXX This account reflects a repossession that occurred in early XXXX, followed by a charge-off. However, the way this account is being reported is inconsistent, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ). The following issues remain unresolved despite prior disputes : 1. The account is being reported as both charged off and currently past due with a past due amount of {$4200.00}. After a charge-off, an account should not continue to be reported as actively past due. This is contradictory and misleading. 2. The reported balance of {$4200.00} is not supported by any documentation. There has been no breakdown provided showing how this amount was calculated after the repossession and sale of the vehicle. No auction records, sale price, or deficiency balance calculations have been provided. 3. The payment history reflects continuous charge-off status month after month, which appears to artificially extend the negative impact of this account rather than accurately reflecting a static charged-off account. 4. The repossession is not clearly identified as voluntary, resulting in incomplete and potentially misleading reporting. 5. The account reporting is inconsistent with XXXX XXXX compliance standards and does not meet the requirement under FCRA 623 ( a ) ( 1 ) ( A ) to report information that is complete and accurate. I have made good faith efforts to dispute this account and request proper verification ; however, the responses received have been insufficient and fail to provide the required documentation to substantiate the accuracy of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am not a customer of U.S. Bank. U.S. Bank is repeatedly mailing bank correspondence addressed to another individual to my home address. I have returned the mail marked Not at this address, but it continues. This indicates U.S. Bank is maintaining inaccurate address information and is disclosing nonpublic personal information to an unrelated third party. I am requesting that U.S. Bank immediately remove my address from the unrelated account and cease all mail sent to my address.

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 2026-04-16 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I filed a dispute with Navy Federal for {$380.00} in regard to an unauthorized charge. The dispute was poorly worked and decision based on XXXX and XXXX. I made multiple attempts to resolve the issues and was also sent something regarding a class action lawsuit that had been activated regarding the same allegations. when I reached out I was met with XXXX who spoke in a unethical and unprofessional manner. I was basically told it was to late to fix the issue when I had been trying for months and months. promised call backs and nothing never ever happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My citi XXXX card was closed due to returned payments, Id like to request an appeal and possible reversal on the closure. Ive been a good citi customer never missing a payment. I had accidentally paid with an account that I dont usually keep much money in. I contacted city and notified them and they said they would notice it on the account and attempt to cancel the payment. Despite this. They tried two other times to charge the same account and it was returned. I had already replaced the payment using the correct account. While I understand returned payments are frowned upon they were not intentional and was due to a simple mistake, I use my card a lot and make multiple payments never missing once.

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 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Bank, Investigation Department. Consumer Financial Protection Bureau. State of New Jersey Department of Banking and Insurance XX/XX/year> Dear Sir/Madam : I am a retired reputable Family practice doctor. I served NJ community for over 30 years. I could not imagine myself in this kind of fraud. My personal information was compromised and somebody made more than 15 purchases in different stores like XXXX, XXXX XXXX and XXXX. I was lucky that XXXX XXXX, XXXX XXXX XXXX and XXXX declined all transactions as unusual. Attached are transactions from XXXX and XXXX XXXX Purchase History. Only one transaction from credit card XXXX went thru. Later I learned that it was a digital card issued for me instead of my card ending XXXX by Capital One Bank. First of all, I did not request such card. I even did not know that this kind of cards exist. I consulted with the authorities and was advised you should have information where this card was requested from. It can be traced. Hold was placed on this transaction. It means somebody in the bank should have contacted me before removing this hold. But hold was just removed. This transaction must have been declined as unusual or suspicious for reasons : 1. I used my card at XXXX store only 2. I have never used my card for Internet purchases 3. I have never made a purchase more than {$60.00} 4. I have never ordered digital card. Also, I was contacted by my e-mail provider XXXX and advised to change User ID and password as somebody was using my e-mail for Spam distribution. I filed a dispute with Capital One. I spoke with a few Representatives including a Manager of Investigation Department explaining the situation. I spent more than 20 hours on the phone. All conversations were recorded. The decision was : Charge was perfectly mine and I was responsible for payment and all associated fees. I truly do not believe that Capital One Bank protects me as a consumer how the Law requires, but hope all information provided will help bank to find responsible for this arbitrariness and improve this terrible situation. XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
As of XX/XX/year>, I received notice of XXXX XXXX balance due. I notified the company that I needed to dispute this and it was resolved. After checking again in XX/XX/year>, there was a huge increase in the amount due after it being resolved. I need assistance with removing from credit the resolved loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my name is XXXX XXXX and I am writing this letter to dispute some things off of my credit report. It has come to my attention that XXXX credit card and the amount of {$980.00} has been on my report for some time, this account was open fraudulently due to identity theft I will be sending in a FTC report a utility bill, a bank statement, front and back copies of my social and ID to verify my address this is the second attempt Ive tried to get this off my report. I have a police report as well that I will be attaching. This item needs to be removed immediately from my credit report because it is not accurate. Ive talked to the actual credit company and Ive gotten nowhere with them. This account has been charged off already, but it is not supposed to be on my credit report due to identity theft. I would like it removed. I have the documentation to back up my claim, including in this letter I will ensure that I I put all requesting documentation inside of this letter. If you have any questions, please contact me at XXXX. I will be taking legal action. If these things are not removed from my credit report Ive contacted the credit bureaus multiple times trying to get this resolved. This is my last attempt. I will be ensuring I send everything that you guys are requesting from me. There should be no reason why this is not removed from my credit report if this does not work, I will be seeking legal action Against the credit bureaus after this letter is sent out I will be expecting a updated copy of my credit report with this removed from my credit history completely

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 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: MN

Complaint narrative:
I am filing a complaint regarding the inaccurate and materially misleading reporting of a 30+ day delinquency by Westlake Financial . On the payment in question, the total amount due was {$630.00}. A payment of {$600.00} ( over 94 % of the amount due ) was made on time. The remaining {$38.00} was not paid due to a clerical error. The account interface did not clearly reflect that this small remaining balance would cause the account to be considered delinquent or continue aging toward a 30+ day late status. As a result, the account progressed to being reported as 30+ days late over a 54-day period. While the payment may have been technically incomplete, reporting this as a full 30-day delinquency is materially misleading and does not accurately reflect the actual payment behavior. A substantial majority of the payment obligation was satisfied on time. This reporting creates the false impression that no meaningful payment was made, which is not the case. I am requesting that Westlake Financial correct or remove the 30-day late reporting as a goodwill adjustment or as a correction to ensure accurate and fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
The collector failed to provide the mandatory 1681s-2 ( a ) ( 7 ) notice. Furthermore, they verified " the debt without the Original Signed Contract or Itemized Billing Statement demanded in my dispute so I am writing to formally dispute a collection account currently reported by Forest Recovery under Account # XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, for failing to provide a mandatory dunning notice within five days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only one in my mentorship program to get denied for the $ XXXX startup loan. In the 11th Circuit, under the standard set in XXXXXXXX XXXX XXXX XXXX XXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activityincluding credit reportinguntil they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal " debt parking.

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