vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt.

Please provide all of the following information and documentation : 1. * * The name and address of the original creditor * *, and the original account number.

2. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied 3. A * * copy of the original signed contract or agreement * * that created the debt.

4. A * * complete copy of the assignment or purchase agreement * * ( assignment contract ) that shows First Source Advantage has the legal right to collect this debt, including the * * chain of custody * * from the original creditor to your company.

5. The * * date First Source Advantage acquired the debt * *, and from whom.

6. * * Proof that the statute of limitations * * on this debt has not expired.

7. Proof of your * * authorization to collect debts in my state * * ( license or registration if required by law ).

8. Any * * verification provided to credit bureaus * * ( if youve reported this account ), and a statement of your intent regarding continued reporting.

Until you provide the above information, you must * * cease all collection activities * *, including calls, letters, and any credit reporting, as required by federal law.

Please note : This is not a refusal to pay, but a request for validation under the FDCPA. Be advised that I am keeping records of all correspondence regarding this matter and will not hesitate to report violations to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals office * *. 

I request that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
This account is being disputed pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681.

Under 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) and 1681e ( b ), credit reporting agencies are required to report only information that is 100 % accurate, complete, and verifiable, using reasonable procedures to assure maximum possible accuracy.

I am requesting strict proof of verification, including but not limited to : 1. The original signed contract or agreement bearing my signature 2. Complete itemized accounting of the alleged debt 3. Proof of legal assignment or ownership of the debt 4. The date of first delinquency as reported by the original creditor If you are unable to provide this documentation, then under 15 U.S.C. 1681i ( a ), this account must be deleted from my credit file.

Please note that a simple automated or electronic verification is not sufficient and does not meet the legal standard of investigation required by the FCRA.

If this account is verified without providing the above documentation, I request the method of verification, including the name, address, and telephone number of the party who verified the information, as required by law. 

Failure to comply will constitute a violation of the Fair Credit Reporting Act and will be documented accordingly. 

I expect your response within the statutory XXXX period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: HI

Complaint narrative:
I submitted my IDR application and paid-ahead status removal in XX/XX/year>. On XX/XX/year>, a MOHELA representative told me that both my IDR application and the paid-ahead status were processed, and that processing could take up to 90 days. On XX/XX/year>, I was told that the paid-ahead status had not been processed and that my request was being escalated, with instructions to call back in XXXX week. On XX/XX/year>, I was informed that the IDR application still had not been processed. 

By XX/XX/year>, the IDR application and paid-ahead status were still not processed. On XX/XX/year>, my case was transferred to the resolutions team. On XX/XX/XXXX, I spoke to the resolutions supervisor, who confirmed that the request to remove the paid-ahead status had been escalated and said it would take XXXX business days to complete. On XX/XX/year>, I spoke again with a resolutions supervisor, who said my case has been transferred to the accounting department and that it could take up to XXXX business days. 

I submitted feedback through StudentAid.gov on XX/XX/year>, and received an email stating that I would hear back in XXXX business days, but I have received no response. Despite contacting MOHELA several times since XX/XX/year>, my IDR application and the paid-ahead status remain unprocessed. 

Although I am part of the XXXX program, none of my payments currently count toward it because I am in forbearance while waiting for my IDR plan to be processed. The current SAVE plan has not been applied to my account, so my payments are not qualifying, and interest continues to accrue on my loans during this delay. These prolonged administrative delays are outside of my control and put my XXXX eligibility and qualifying payments at risk. 

I am requesting immediate review, completion of my IDR application, correction of the paid-ahead status, and written confirmation that my XXXX eligibility and qualifying payments will not be negatively affected due to this prolonged administrative delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I tried to login to my account XX/XX/XXXX to print a tax form. I couldnt get into the account. I called HSA Bank to ask to reset password. I was told the account was locked because they thought there was fraudulent activity on the account. I verified there was not and that the XXXX checks written in the past 30 days were legitimate. They would not honor them so my doctors called me to let me know the checks were returned. Yet the bank did not inform me that they froze the account nor did they tell me the checks were returned. Ive received no calls or emails to check on fraud, just a locked account. I was told I would get email in XXXX  days ( XX/XX/XXXX ) with unlocking instructions. I called again XX/XX/XXXX to get help because the email didnt arrive, and the rep didnt see anything and said they would resubmit request and it would unlock by XX/XX/XXXX. I will call again but I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a retail installment auto loan assigned to Exeter Finance LLC and originated by XXXX XXXX XXXX for the purchase of a XXXX XXXX XXXX  on XX/XX/XXXX. 

I am the co-borrower on this contract. 

The loan reflects an Annual Percentage Rate ( APR ) of 20.19 % and an amount financed of {$9800.00}, despite a {$4000.00} cash down payment made at the time of purchase. 

I believe the loan was originated under deceptive and unfair circumstances that prevented informed consent and materially impacted the cost of credit. 

At the time of purchase, the dealership informed us that a {$4000.00} cash down payment was required in order to obtain financing. We were not presented with any alternative financing options, including the possibility of financing with a lower or no down payment. We were also not provided clear disclosures regarding how the down payment would affect the APR, total cost of credit, or available loan structures. We were only asked to select the length of the loan term.

Based on these representations, we reasonably believed that the down payment was a lender-imposed requirement necessary to secure financing. We later learned that this was not clearly disclosed and that the transaction was structured in a way that significantly increased the cost of credit without meaningful opportunity for comparison or informed decision-making. 

Had transparent disclosures and genuine financing options been provided, we would have evaluated alternative terms before entering into the agreement.

As a co-borrower, I am legally responsible for this debt and believe the loan terms do not reflect fair or transparent lending practices. I am requesting that Exeter Finance LLC review this transaction and modify the loan terms, specifically by reducing the APR to a rate consistent with standard used-vehicle financing, taking into account the substantial cash down payment already made.

I am also requesting that the CFPB review whether the origination and assignment of this loan complied with applicable consumer protection and fair lending laws. 

I am seeking a fair resolution that allows the loan to continue under reasonable and transparent terms. 

Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for reporting inaccurate and duplicate credit information, failing to conduct reasonable investigations, and continuing to report accounts that could not be verified, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681i ( a ) ( 5 ).

Despite receiving my written disputes sent via First Class Mail on XX/XX/year>, each bureau has continued to report inaccurate, misleading, and duplicated tradelines without providing proper verification or correcting the errors. 

On XX/XX/year>, I formally disputed multiple inaccurate accounts with Equifax, Experian, and TransUnion. In each dispute, I requested validation and reinvestigation of the listed accounts, as permitted under the FCRA. Proof of mailing and copies of my dispute letters are available. 

The disputed accounts fall into the following categories : Accounts reported without proper verification Duplicate tradelines reported under different creditor names Misleading or false reporting Accounts reported despite no response to validation requests after 30+ days The bureaus have either failed to properly investigate these disputes or have relied solely on automated responses from furnishers without conducting an independent and reasonable investigation, as required by law.

The following accounts are inaccurately reported across one or more credit bureaus : XXXX XXXX XXXX Reported without validation despite written request ; no response provided after 30+ days. 

XXXXXXXX XXXX XXXX XXXXXXXX ( Duplicate Accounts ) Same obligation reported multiple times under different creditor names, resulting in unlawful duplicate reporting. 

XXXX XXXX XXXX Continued reporting despite failure to provide validation. 

XXXX XXXX XXXX XXXX response to validation request ; account remains reported. 

XXXX XXXX XXXX XXXX and false reporting in violation of FDCPA 807. 

XXXXXXXX XXXX XXXX XXXX Unverified reporting with no supporting documentation. 

These inaccuracies have materially damaged my credit profile and falsely portray my creditworthiness. 

Because of these inaccuracies : My credit profile has been significantly damaged I have experienced difficulty qualifying for credit and housing My financial reputation has been unfairly harmed I have been forced to repeatedly dispute the same inaccurate information These errors have caused real financial and emotional stress and should never have occurred if reasonable procedures were followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for reporting inaccurate and duplicate credit information, failing to conduct reasonable investigations, and continuing to report accounts that could not be verified, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681i ( a ) ( 5 ).

Despite receiving my written disputes sent via First Class Mail on XX/XX/year>, each bureau has continued to report inaccurate, misleading, and duplicated tradelines without providing proper verification or correcting the errors. 

On XX/XX/year>, I formally disputed multiple inaccurate accounts with Equifax, Experian, and TransUnion. In each dispute, I requested validation and reinvestigation of the listed accounts, as permitted under the FCRA. Proof of mailing and copies of my dispute letters are available. 

The disputed accounts fall into the following categories : Accounts reported without proper verification Duplicate tradelines reported under different creditor names Misleading or false reporting Accounts reported despite no response to validation requests after 30+ days The bureaus have either failed to properly investigate these disputes or have relied solely on automated responses from furnishers without conducting an independent and reasonable investigation, as required by law.

The following accounts are inaccurately reported across one or more credit bureaus : XXXX XXXX XXXX Reported without validation despite written request ; no response provided after 30+ days. 

XXXXXXXX XXXX XXXX XXXXXXXX ( Duplicate Accounts ) Same obligation reported multiple times under different creditor names, resulting in unlawful duplicate reporting. 

XXXX XXXX XXXX Continued reporting despite failure to provide validation. 

XXXX XXXX XXXX XXXX response to validation request ; account remains reported. 

XXXX XXXX XXXX XXXX and false reporting in violation of FDCPA 807. 

XXXXXXXX XXXX XXXX XXXX Unverified reporting with no supporting documentation. 

These inaccuracies have materially damaged my credit profile and falsely portray my creditworthiness. 

Because of these inaccuracies : My credit profile has been significantly damaged I have experienced difficulty qualifying for credit and housing My financial reputation has been unfairly harmed I have been forced to repeatedly dispute the same inaccurate information These errors have caused real financial and emotional stress and should never have occurred if reasonable procedures were followed.

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 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: PA

Complaint narrative:
On XX/XX/year>, I sent a wire payment of {$2400.00} from my bank toward my mortgage. The wire was completed the same day and included identifying information for the loan and property. My bank confirmed the funds were successfully delivered and can not be recalled. 

The mortgage servicer received the payment but did not apply it to my loan. Instead, the funds were placed into a suspense/unapplied balance, even though the payment amount was sufficient to cover the monthly obligation. Despite holding my funds, the servicer continued to assess late fees, treat the account as delinquent, and send default-related notices and communications. 

The servicers own transaction history shows the wire payment being posted internally but not credited to the loan in a timely manner. Additional late fees and charges were assessed after the servicer had possession of my funds. Only weeks later was a partial application made, while the account continued to reflect delinquency. 

I attempted to resolve this issue by requesting information about the status and application of the wire payment and whether it would be applied or returned. The servicer did not provide a clear explanation or resolution. Attempts to respond in writing were unsuccessful due to the servicers email system rejecting replies. 

The servicer has held my funds while failing to properly credit the payment, charging fees, and treating the loan as past due. I am requesting correction of the payment application retroactive to the original receipt date, removal of related fees and default status, and written confirmation of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
My Cash App account has been restricted because identity verification fails instantly due to a system error. I have been unable to access my funds for over a month. I have contacted Cash App support multiple times and followed their instructions to retry verification, including after they stated my account was reset, but verification continues to fail immediately. 

I requested escalation and manual review, but support refused to escalate and only provided automated responses. As a result, my funds remain inaccessible and no clear explanation or resolution has been provided. 

I am requesting release of my remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX JPMorgan Chase closed my checking account without providing a reason. I understand and do not dispute the banks right to close an account. My complaint concerns the delay in returning my available funds, not the closure itself. 
On the same day, I went in person to a Chase branch with valid government identification to request access to my remaining balance. The branch was located at XXXX XXXX XXXX, XXXX, CA XXXX, and the Branch Manager was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The branch printed an account statement confirming {$11000.00} in available funds. Despite in-person identity verification and confirmation that the funds were available ( not pending and not subject to a deposit hold ), the branch refused to release the funds by same-day withdrawal or cashiers check. 
I requested clarification regarding the authority to delay access to already-available funds. The branch was unable to cite any specific regulation requiring a delay and declined to provide written documentation explaining why the funds could not be released the same day. 
I was told verbally that a cashiers check would be mailed in up to 10 days, but no written confirmation of the mailing date or regulatory basis for the delay was provided. I am not alleging fraud and am not disputing Chases decision to close the account only the delay in returning verified, available funds. 
I am requesting expedited disbursement of my funds ( immediate or overnight cashiers check ), written confirmation of the disbursement timeline, and clarification of my future eligibility to bank with Chase, as I was told verbally that I may never be permitted to bank with Chase again, without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I attempted to cancel my XXXX XXXX and was persuaded by a representative to add a cellular phone line under the assurance that the phone would be free and would lower my internet bill. This was false. I was charged for the phone and my monthly bill increased. 

I later went into an XXXX  XXXX  store and was told the issue had been resolved. It was not. The charges remained, and the account was eventually sent to a third-party collection agency. 

The collection agency claims ownership of the debt and has provided a balance verification letter. However, XXXX continues to reflect the same balance on my account. As a result, I am being asked to pay both XXXX  and a collection agency for the same alleged debt. 

I have requested written confirmation of the date the debt was sold or assigned and confirmation that XXXX adjusted its internal account balance to XXXX. This information has not been provided. The situation creates a risk of double payment and reflects a failure to properly reconcile the account after transfer. 

I am disputing the debt and am requesting that the duplicate billing be corrected and that I receive written confirmation clarifying who legally owns the debt.

Company response to consumer: Closed with non-monetary relief