vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: NJ

Complaint narrative:
I am filing this complaint against Willow Lake Lending regarding a {$420.00} consumer loan made to me as a New Jersey resident. I believe this loan is illegal, usurious, unenforceable, and in violation of New Jersey lending and consumer protection laws. Willow Lake Lending issued me a {$420.00} loan and has already collected {$450.00} from me, which exceeds the amount borrowed. The withdrawals appeared on my bank account as XXXX payments from WillowLakeLend, including {$110.00} payments on XX/XX/year>, XX/XX/year>, and XX/XX/year>, along with additional amounts bringing the total paid to {$450.00}. I dispute the legality and enforceability of this loan. New Jerseys usury law generally limits interest to 6 % per year, or 16 % per year where there is a written contract, unless a valid legal exception applies. New Jersey also has criminal usury limits for loans subject to New Jersey law, including a 30 % maximum for non-corporate borrowers. I do not believe Willow Lake Lending is authorized to lend to New Jersey consumers or to collect interest, fees, or finance charges above New Jerseys lawful limits. Because I have already repaid more than the original principal amount borrowed, I request that Willow Lake Lending immediately mark this account paid in full with a {$0.00} balance, stop all ACH/debit withdrawals, cease all collection activity, and provide written confirmation that no further payments are owed. I revoke any prior authorization for Willow Lake Lending or its agents/processors to debit my bank account by ACH, debit card, remotely created check, or any other electronic payment method. Any further attempted withdrawal is unauthorized. I also request a refund of all interest, fees, finance charges, or amounts collected above the lawful principal balance. I request confirmation that Willow Lake Lending will not report this account negatively to any credit bureau, specialty consumer reporting agency, collection agency, or third-party database. Desired resolution : close the account as paid in full, confirm a {$0.00} balance in writing, stop all withdrawals and collection activity, honor my payment authorization revocation, and refund all amounts collected above the lawful principal 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 2026-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: OK

Complaint narrative:
Applied for assistance for the third time under long term/ permanent disability of both spouse and child to the mortgage holder which includes permanent curtailment of income ( reason on application is disability ). According to XXXX XXXX, our situation is to be evaluated as a permanent hardship, not temporary, and our financial situation is not expected to improve in the next 3 months or even the next year. Both dependents with disabling conditions ( one who has already received disability status ) have provided more than necessary proof that their illness has already and/or is expected to last more than 12 months or permanent- and also has and will continue indefinitely to cause large financial strain on the family. While we have brought our mortgage current after a 96 day delinquency ( through tax refunds and temporary SNAP and raised SSI assistance that is NO longer available ) we are qualified as imminent default. I have provided a clear outline of how our situation meets every step of the qualifications. On XX/XX/year> we spoke with two separate individuals on the USBank escalation team. The first one, if you listen to the conversation, will show that we were told this recent application was only evaluated and offered Forbearance for 3 months because it is the first line of consideration in the waterfall. When I explained that this is only the first line for temporary hardships but is not appropriate nor included in the waterfall for permanent hardship which we have very clearly demonstrated, the agent continued to tell me for certain that even permanent disability or permanent hardship has a first line of forbearance and therefore if met is not considered for modification. I have provided the exact updated policy from XXXX XXXX XXXX XXXX Loss Evaluation Hierarchy attached to prove that USBank 's agent or training policy is incorrect. I also have provided our application letter that already explained our permanent situation to the evaluator in our application and the other documents already provided as proof. We have already done multiple applications, delinquency, forbearances, complaints, and appealed and been denied for other technicalities. But, after working with HUD counselors this one should have no reason to be denied if the protocol from XXXX XXXX is upheld and followed appropriately.

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 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of identity theft and after reviewing my credit report I have seen some inquiries that don't belong to and that I have not authorized. XXXX XXXX on XX/XX/year> and Citi Bank on XX/XX/year>. I did not apply for any of these accounts and I am asking the cfbp to remove these inquiries from my credit report on all XXXX credit bureaus, XXXX, XXXX and XXXX. Under facra law 611 and 605B.

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 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
XXXX XXXX is the registered owner of the vehicle with plate XXXX and an XXXX account holder. The owner is a senior citizen currently on extended leave due to illness. Linebarger Goggan Blair & Sampson is attempting to collect a {$50.00} administrative fee tied to XXXX toll violation XXXX. The owner held a valid XXXX account in good standing at the time of the transaction, with plate XXXX listed on that account. Under XXXX 's own documented procedure, when a tag is not read in the lane, an image review is performed to match the license plate to the associated XXXX account and post the toll to it, with no administrative fee charged. That process should have resolved this with no fee. XXXX only sent a single letter ( final notice ), which did not include any image or proof. Nonetheless, the owner disputed the violation through XXXX 's online process. The dispute was rejected. Owner assumed that the existing XXXX XXXX XXXX account was linked, and no further action was needed. Almost a month later, Collections request was sent from XXXX. On XX/XX/year>, I called XXXX and requested proof of the debt. The representative refused to provide validation or documentation of the debt over the phone. I am disputing this debt in full and have not received written verification of it.

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 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
this XXXX address is on the wrong address. it is not mine, it is not accurate. delete it.

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 2026-06-12 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: NC

Complaint narrative:
On XX/XX/XXXX at approximately XXXX. I called an extended stay in XXXX Kentucky to arrange a weekly rate. Upon arrival I paid said weekly rate of XXXX. On XX/XX/XXXX I went to the front desk and told them I need to check out XX/XX/XXXX which was Friday. I paid XXXX with my card on previously mentioned date. After arriving back to my home in North Carolina I noticed a pending transaction from extended stay on the XXXX. I called them to see what was the reason. They stated i let no one know i was checking out. I stated to the clerk that I paid for additional days onto my first week and let the clerk know i would be checking out and if she looked at the charges and check out date she would see that. She stated there was nothing she could do. I opened a claim with wells fargo and they gave me a provisional credit of of XXXX. They closed their investigation and reversed the funds causing me me to overdraft almost XXXX. I reopened the case and provided them with the receipt. They closed the claim again stating there was not enough proof. I have lost almost 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 2026-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: MT

Complaint narrative:
I reached out to freedom mortgage because I lost my job and income stream. I asked if there was any help. I waited and was passed around for hours, no one had any information. So id hang up amd call again, explaining my situation again, every rep asked me to provide information on my account, no one put notes in. I was told by a rep 3 weeks ago that they'd send my packet to my address, 2 weeks went by and received nothing. Called back in and was told I was okd for a short sale. No one even told me that. Then they back tracked amd said they had sent to an address I didnt even have. I changed tbe address to my gf address and they said packet would be sent there. Its been 8 days, no packet. Called back heated, rep said oh we just need signature from you amd I can emai thst over. They could of saved me days and hours on tbe phone, I missed a payment because I thought and no one told me otherwise that my credit would take a hit. Shame on Freedom mortgage. I should be given a goodwill.adjustment so my credit isnt drug down because they failed at communication

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 2026-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX Wells Fargo sold my mortgage to XXXX XXXX and in XX/XX/XXXX XXXX XXXX showing Im a payment behind for XX/XX/XXXX. I showed proof I wasnt behind. XXXX XXXX tells me Wells Fargo requested the XX/XX/XXXX payment back to cover XX/XX/XXXX. I made all my payments within that month. I sent proof to XXXX XXXX and Wells Fargo. Wells Fargo coming up all sort of excuses not to pay that money back to XXXX XXXX. I made payments from 2 different accounts when I was with wells Fargo. I been fighting with them since XX/XX/XXXX with lies after lies. Something need to be done. I sent proof to the representative of consumer affairs that all payments was made within those months.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: VYSTAR CREDIT UNION
State: CO

Complaint narrative:
My sister died tragically on XX/XX/XXXX. She was the POA for my mother. They both lived in VA. I live in Colorado and drive to VA to handle my sisters and my mom affairs and get her into a care facility. I am the POA now. My mother XXXX XXXX has an account with VyStar Credit Union. I was told by VyStar that I had to come to Florida to conduct business and get the POA approved. I drove down to Florida on Tuesday and spoke with the asst. branch manager XXXX at their branch on XXXX XXXX in XXXX. She verified my POA documents which included my sisters death certificate. She told me it could take 4 days to get the POA approved. I explained that I dont live here and drive 10 hours to go there. I stayed in XXXX at great expense waiting the past three days. I have left her multiple messages and have not heard back from her. Im now sitting in their farthest west branch in XXXX trying to go home to Colorado. The Branch Manager here says he reached out via email and still hasnt heard a word from his own company. Ive called their customer service line twice since sitting here and spoke with a supervisor, XXXX who told me all he can do is text the dept that handles POAs. XXXX honestly number to call just text. He said he would call me back in 45 minutes. Thats was two hours ago. I have ALL the legal documents needed to access my mothers account and they are stonewalling me for 4 days now and no one can tell me why or how long its going to take to manage my mothers account. This totally unreasonable delay is against Florida Law.

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 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Prosper XXXX XXXX for deceptive consumer account interfaces, inaccurate financial disclosures, and systemic accounting discrepancies on their online portal. As a consumer managing my debt obligations with a strict ledger, I rely on accurate real-time data. Currently, Prosper 's online user dashboard displays account metrics, payoff progress bars, and remaining balances that are mathematically impossible and fail to reconcile with actual principal paid. Specifically, the portal features a percentage tracker that does not align with the true financial amortization of the loan, and the interface has displayed unexplained 'phantom ' variances ( including an unresolved {$150.00} discrepancy ) where funds do not align between pending and posted statuses. Providing an inaccurate, slow-updating, and mathematically flawed user interface is a deceptive practice that misleads consumers about their true debt equity and progress. I am requesting that a senior auditor manually pull my account ledger, reconcile every single payment made to date, and provide a transparent, accurate accounting statement that matches the reality of my payments.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I believe around XX/XX/XXXX I had {$200.00} in the bank to cover some transactions made that date, in the morning the XXXX a Saturday the account was overdrung it looks like other transactions came thru but the amount was {$55.00} not {$110.00} I call the bank and they insisted that since Friday the account didn't have funds, then on the following week I went to a branch, they were rude because they couldn't explain to me why the account had hidden charges, one guy name XXXX which the bank said is the XXXX got upset with me an in front of customers he told the teller to close my account and he was going to make sure I will never open an account with bank of america, till this point bank of america call me and said the account was permanently closed no transaction could be done not money, no money out it was cancelled, I use some apps to request money XXXX XXXX of the is XXXX I requested {$55.00} but it looks they send it to bank of america, bank of america approved the transaction and kept the money now my complaint is that they acted illegally taking money and still using my account when they order me and told the account was closed 100 % and I think that was both ways, I want my money 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 monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Unauthorized Account and Fraudulent Electronic Signature Account Number : XXXX I am writing to formally dispute the validity of the above-referenced Fortiva account. This account was opened without my knowledge, authorization, or informed consent.XXXX XXXX XXXX XXXX sales representative utilized deceptive sales tactics to capture an electronic signature on a tablet under the guise of a standard service agreement. This electronic signature was then transferred and applied to a XXXX credit application without my consent. Under the federal XXXX Act, an electronic signature is invalid if the consumer was misled about what they were signing.Because this account is unauthorized and fraudulent, I demand that XXXX : Immediately close this account and void the entire balance.Cease charging any monthly maintenance or predatory financing fees.Completely delete this tradeline from my XXXX, XXXX, and XXXX credit bureaus.I have already initiated a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I expect a written response detailing your resolution within the statutory timeframe. XX/XX/year>, a XXXX representative engaged in bad-faith fatigue selling, remaining in my home for several hours until I felt pressured to sign a digital tablet without visibility of the full transaction terms. The representative explicitly stated that XXXX would assume a complete 'buyout ' of my active XXXX XXXX, which XXXX failed to fully honor, leaving me with residual out-of-pocket expenses. The salesman deliberately concealed that he was applying for a high-interest third-party line of credit through XXXX XXXX Credit on my behalf. I was led to believe I was entering into a standard month-to-month equipment rental system where hardware could simply be picked up if I closed service. Yes they said finance. But I am a new homeowner. Unaware of how sketchy sales people are. And word things to make it sound like a good decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
In XXXX XXXX Freedom Home Mortgage sold my mortgage to XXXX XXXX company. I was not aware this transfer had occurred and therefore was unable to turn off the automatic payment settings on my account for Freedom Mortgage. On XX/XX/year> {$5500.00} was withdrawn from my XXXX account by Freedom Mortgage. On XX/XX/year> I began receiving emails that my account was past due. This was the first I had been made aware that my mortgage was no longer with Freedom Mortgage. I called customer service to ask about the XX/XX/XXXX deduction and I was told the automatic payment had been declined and returned to me. As you can see from my attached XXXX state the money was taken from my account on XX/XX/XXXX by Freedom Mortgage and never returned. In my payment history on the Freedom Mortgages website, it shows the payment was deducted from my account and " forwarded to new servicer ''. Since XXXX XXXX is continuing to say that my account is past due I have asked Freedom Mortgage to provide proof of this transaction of {$5500.00} either being forwarded to XXXX XXXX or to my XXXX account. They have done neither and instead have told me on multiple occasions that I would need to call back at a later time.

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 2026-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius global is trying to collect on an account from 6+ years ago in the amount of {$400.00}. I sent a letter out to collection company via mail on XX/XX/XXXX asking for validation. They sent a letter dated XX/XX/XXXX saying that were unable to attach the validation info to the letter they were sending me. They would send it separately. I still have not received the validation of debt. I reached out to them via phone today XX/XX/XXXX inquiring and they could not come up with why it would be sent separately and also why it has not been received. I asked for an email validation and they could not find anything.

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