vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
On XX/XX/year> an account was opened for the amount of {$620.00} i contacted XXXX and explained to them that i was incarcerated at the time the account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Trusted Mortgage Capital Inc
State: MI

Complaint narrative:
DISSAPOINTED....... I spoke with XXXX and he was pleasant. I made it very clear that I was only interested in lowering my current interest rate and he assured me that they would only look into doing a soft credit pull if that was the case ( .5 % at least as allowed by the VA ). They run my credit and now are trying to consolidate my bills using house equity to lower my TOTAL monthly payments. This was made very clear as not being my desire, but Trusted Mortgage Capital continued to pursue this and talked about INCREASING my current interest rate, but being able to bring my rate back down after 6 months ( the old " bait and switch '' ). Very disappointed as they are showing that they are going after veterans with VA loans and trying to sell them debt reduction. I made it clear that I am fine with my current payments and that I was still only interested in lowering my fixed rate mortgage. They can call back when they are ready to do as they said they would and lower my current mortgage rate and payment only. UPDATE : A nice gentleman called back and apologized and offered for any confusion and offered to run my application as an IRRRL as requested........ but only if I removed my review. He stated that my file had been turned over to their legal team and that the only way to proceed with my disclosures was if I removed my review. Don't be fooled by the " good '' reviews. I am sure that many are genuine, but if refusing to do business until an honest ( viewed as negative in their eyes ) review of exactly my experience is a very shady way to do business.

Company public response: Company disputes the facts presented in the complaint
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: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau regarding a travel financing agreement opened through Uplift/XXXX for a XXXX XXXX XXXX for XXXX XXXX XXXX. I did not authorize this financing agreement. The XXXX XXXX booking was made using my spouses information, and I am not listed as the traveler on the cruise reservation. Despite this, I am being held responsible for repayment of the financing plan. The cruise has not yet occurred, and no travel services have been used. Additionally, I am currently recovering from back XXXX performed on XX/XX/year>, with ongoing medical limitations, which prevents me from participating in the cruise. I have contacted XXXX and XXXX XXXX to dispute this, but they continue to assert that I am responsible for repayment. I request documentation showing how my authorization was obtained, as I never agreed to or signed this financing agreement. Requested Resolution : Removal of my liability for this financing agreement Cancellation of the repayment obligation Written confirmation that I am not responsible for any payments related to this transaction Suspension of any billing or collection activity while this dispute is under review Additional Details : The cruise provider does not have my personal information ; only my spouse is listed I am disputing any responsibility for repayment unless valid proof of my explicit authorization is provided I have provided my medical records showing proof of my condition

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I opened an online account due to my old bank account. Being overdrawn so I got paid from my job twice and a direct deposit was then drawn into my account with XXXX. I live in my car XXXX have an actually address so I use my moms in Alabama which is where my card went. I couldnt get cash from the virtual XXXX card that I had on Tap pay. So I had my brother place his cards into my XXXX account to transfer the funds. Unfortunately hat transfer never worked. XXXX then froze my account asking for my ids and I then sent that over to them. I have proof that I had court and that my case was going to be closed if I had paid {$250.00} on XX/XX/year> unfortunately I couldnt do it. I even emailed them the letter that the courts judge sent me about the {$250.00}. I have over {$400.00} in my account and I want them to release my funds they are really causing strife in life. Because now they want even more proof which I dont have. Theres nothing more I can do to verify my account. They need to give me my money and close the account if thats the case. But freeze my hard earned money is crazy. Can someone anyone please help me please!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Veros Credit, LLC
State: MO

Complaint narrative:
Ive reach out XXXX customer service multiple times and even email. I have been refused documentation on my repossession and never received any to begin with everyone was overly rude and unwilling to help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: NV

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 2026-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ZIONS BANCORPORATION
State: NM

Complaint narrative:
Subject Request for Reinstatement Review Before Auction I am a long-term customer with ZionsXXXXXXXX XXXX and have successfully paid off several loans over the years, including mortgages, second mortgages, and lines of credit. I currently only have XXXX remaining loan with the bank, which is my truck loan. My XXXX XXXX XXXXXXXX XXXXl truck was recently repossessed after I fell XXXX months behind on payments. The hardship began when the truck broke down approximately XXXX miles from home in XXXX. By the time I had the vehicle transported home and repaired, I had incurred approximately {$11000.00} in repair costs and lost an estimated {$10000.00} in wages due to being unable to work. Shortly afterward, I also lost my job. The truck is now repaired, I am back to work, and I am requesting reinstatement of the loan so I can continue making payments. I offered to pay : the XXXX months past due, repossession-related fees, and an additional XXXX months ahead. Despite this, I was informed that reinstatement would not be approved and that the vehicle would instead proceed to storage, transport, auction, and sale. I was also told that the remaining balance would still be collected from me after auction. Given my long-standing history with the bank and prior successful loan repayment history, I do not understand why allowing reinstatement and continued payments would not be considered a better financial outcome for both the bank and myself compared to additional storage, transport, auction fees, and a likely loss on the sale of the vehicle. This truck is my livelihood and work vehicle. I am respectfully requesting supervisory review and reconsideration of reinstatement before the vehicle is sold at auction. Thank you for your time and consideration. 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 2026-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
When my husband saw his crwdit score went down by XXXX points he checked and found it waa from Syncrony/XXXX. I first logged in to the account and saw {$58.00} balance. I then called Syncrony. They claim that at the time I paid rhe balance off, daily interest will accrue-EVEN though the balance showing for rhat day waa paid in full. I could not get a straight answer as to why they continued to apply interest. This makes zero sense.

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 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: MT

Complaint narrative:
The company I made an agreement with was XXXX, then they turned into Upgrade. When Upgrade took over, they reopened all the borrowed lines which hurt my credit score and was improper reporting. I then attempted to view my loan information including viewing what I paid vs what I owed, but the user interface was limiting and I couldn't see all of my loan agreements and information in full. I then reached out to them using the email I thought to be in connection with my account, raising a dispute in which I requested to see all loan data and payment plans laid out because again this was not viewable to me in XXXX of XXXX. They also incessantly called and texted me despite REFUSING several times any SMS or phone calls. They still text me today against my wishes although I've requested STOP many times. They have still not provided the information I have asked for nor taken my dispute request seriously. Now they have moved to make my accounts deliquent in reporting despite the fact that they are stilll taking my money every month, even though I've requested a dispute and stop payment while I better understand what has happened. They have been irresponsible, irresponsive, unprofessional, and have violated many terms of agreement in this process, including continuously sending SMS despite a dozen requests to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed a XXXX XXXX account being reported on my TransUnion credit report because the account information is inaccurate, misleading, and potentially fraudulent. After investigating my dispute, XXXX deleted the same account from my credit file after determining the account was fraudulent. XXXX provided confirmation number XXXX regarding the deletion. Despite this, TransUnion continues reporting the account as an active collection account. I disputed the account directly and requested proper validation and reinvestigation ; however, the account remains on my report without competent documentary evidence being provided. I have not been provided with a signed agreement, complete account documentation, full payment ledger, or any lawful method of verification supporting the reporting of this account. It appears the account was verified using automated procedures or internal database matching rather than a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). The continued reporting of this account is damaging my credit profile and causing financial harm. Since another major credit bureau already determined the account to be fraudulent and removed it, I believe TransUnions continued reporting demonstrates a failure to conduct a proper reinvestigation under FCRA 611 and continued reporting of inaccurate information under FCRA 623. I am requesting immediate deletion of the account from my TransUnion credit report, disclosure of the complete method of verification used, and correction of all inaccurate information associated with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Good afternoon, We reached out to Newrez in XX/XX/year> with the financial hardship letter, the package for a short sale, and the buyer 's cash offer. The short sale request was delayed for 6 months. We lost the cash buyer. The second cash buyer can not get a short sale approval again. The closing is scheduled for XX/XX/XXXX. The original request for a short sale approval was forwarded to NewRez 6 months ago. I emailed all supervisors and the president of NewRez, and no assistance was provided. I can provide all the correspondence with NewRez. The XXXX website has multiple complaints on the same matter when the lender is engaged in unfair or deceptive practices against its customers during the foreclosure ; failure to mediate during foreclosure ; misleading the customers and offering the short sale that never gets approved. Here is the link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Remitly, Inc.
State: NY

Complaint narrative:
Good morning, on XXXX XXXX i sent {$100.00} through remitly to an account I opened in XXXX using my XXXX XXXX debit card. After sending the money, the money did not reached my account in XXXX. Everytime i called XXXX they told me to wait a little while it will show up in the account but it never did. I had to be calling XXXX XXXX times a week asking them why hasn't the money showed up in my account. Due to the money not reaching my account, the bank in XXXX sent me a email informing me that they have closed my account due to lock of funding because i did not fund the account within XXXX days of opening it. I called the bank in XXXX once i had seen the email asking them how can this be possible because i sent the money. They told me to contact the merchant i used to send the money to get my refund. I called remitly informing them about this matter but they could not give me a clear answer. They told me to call my bank to get my money back which i did. I called XXXX XXXXXXXX and file a claim but they denied my claim even though I provided evidence. A few months after I received a text message from remitly stating we are unable to complete your transaction we need more information from you. I logged into the app and saw that they were giving me the option of canceling my money, so i did. I called remitly and asked them how long will it takes for me to get my money back? They told me XXXX days but i never received my money. So i called XXXX XXXX and informed them about this matter again and they reopened another claim. They didn't even requested any evidence, they just denied my claim again. XXXX XXXX does not Love there customer and i need some help to shine light on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I send money to XXXX and they cansel my transaction and they say the gon na refund the money in XXXX day these happend XXXX of XXXX and I leave my saving account open for more the XXXX days it was open until XXXX of XXXX they have a lot time to refund the money after the account it was close they try to send money back but the account is close now I call and try to fix these with the company but they say because I don't have an account open they can't send me my refund they need to do a investigation but I don't understand what investigation they need to do if they hold the money for a long time the refund I'm waiting is the amount of XXXX XXXX dollars all I want is my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
I was XXXX XXXX XXXX in XXXX XXXX and the individual stole money, my debit card, XXXX and id. They continue to try and use my accounts to transfer money. The police have not helped. Please find a way to prosecute this individual. His name is XXXX XXXX. XXXX ( XXXX ) XXXX. He also signed up with a remitley account today and tried once more to transfer money. They stole money off my checking account already and I had to travel back to the United States to fix all of this and wasnt able to use my account due to fraud for XXXX months. XXXX afraid this will happen again. Please address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Resurgent Capital Services L.P.
State: MT

Complaint narrative:
I discovered that LVNV Funding LLC is reporting a collection account for approximately {$410.00} on my consumer credit reports. I dispute the validity, accuracy, and completeness of this alleged debt. This account has been reported for approximately 1 year and 11 months and has negatively impacted my credit standing. I have concerns that the debt has not been properly validated and that the information being furnished to the consumer reporting agencies may be inaccurate, incomplete, or unverifiable. I am requesting full validation of the alleged debt, including : * the name and address of the original creditor, * the original account number, * a complete accounting of the balance, * proof of assignment or ownership of the account, * and documentation bearing my signature establishing legal responsibility for the debt. I also request proof that LVNV Funding LLC has the legal authority to collect and continue reporting this account. To date, I have not received sufficient competent evidence validating the debt or confirming the accuracy of the reporting. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, debt collectors and furnishers are required to properly investigate disputed accounts and accurately report information to the credit bureaus. If LVNV Funding LLC can not fully validate the debt and verify the accuracy of the reporting, I request immediate deletion of the collection account from all consumer reporting agencies, including XXXX, XXXX, and XXXX, and correction of any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV Funding Inc previously sued me in court for this same alleged debt. I appeared in court and proved that the debt was not mine. The judge dismissed the case. Because the debt was proven not to belong to me, LVNV Funding has no legal basis to report or collect it. Reporting a debt that was dismissed in court and proven not to be mine is inaccurate and violates FCRA 607 ( b ) and 611. I am requesting that this account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation