vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am filing this complaint against First Credit Services regarding an illegitimate debt ( Debtor ID : XXXX ) originating from Crunch Fitness. I have provided the agency with irrefutable evidence of fraud and bad faith practices, which they have ignored after acknowledging my dispute on XX/XX/XXXX. The evidence includes : 1. Official Proof of XXXX Balance : An official receipt from the creditor dated XXXX XXXX, 2026, showing a {$0.00} balance at the time of cancellation. 2. Admission of Cancellation : A recorded admission from the gym staff acknowledging the membership was canceled. 3. Unauthorized Fraudulent Charges : Evidence of an unauthorized charge attempt of {$170.00} on my XXXX XXXX card after the membership was canceled and the balance was confirmed at {$0.00}. Despite my follow-up on XX/XX/XXXX, the agency has failed to provide a resolution. I request the immediate and permanent deletion of this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Good day, I am writing regarding a collection account that I do not recognize and do not believe belongs to me. This alleged debt remains unverified, yet I continue to receive repeated communications and threats of legal action through multiple channels. This situation has become extremely stressful and has caused significant emotional XXXX. As a consumer, I believe my rights are being violated by the continued reporting and collection efforts related to this questionable account. The ongoing harassment and inaccurate reporting are negatively affecting both my peace of mind and my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
On the morning of XX/XX/2026 I tried to go to work and my car was gone. Filed a police report that it was stolen. Police called back said it was possibly repo. They had a video of a tow truck taking it away. I then called my loan company. They said give them 24-48 hours before they had information on how much i owed. Called XX/XX/2026 loan company still had no information on where the car was. Called XX/XX/2026 spoke to a supervisor. Explained to them in my mind it's stolen cause no one knows where it is. Supervisor told me to call back yet again 24-48 hours. It's been over a week. In my mind they lost the car and it's no longer my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: CA

Complaint narrative:
On XX/XX/year>, I felt like my banking balance was weirdly lower than usual. So I decided to look through my activity history for my transactions, which I rarely do, because my account should be secure enough and would think it would alert me for these types of transactions. But due to the small increments taken out without my authorization. It was never caught by myself nor the banking partner Current ( XXXX XXXX XXXX ). A total of 45+ transactions from beginning of XXXX which are totaling to XXXX thus far. These need to be handled accordingly and my money returned to my account. I also have some supporting documents that may be of help to prove I never authorized this. Please return my money. Taking this into a legal stance is not how far I want to go on this but if I have to in order to retrieve my money, then that is how I will proceed. Here is some of the documents that could aide in completing my dispute claim. Please keep in mind that following the doctor note I submitted here, given I had XXXX, which is highly painful to endure. I had a sickness to beat and anything related to my account with current was not a priority for me then. So there was no need for me to even be making transactions on my account at that time. It took a while two weeks almost to recover completely from it. I also did end up going to the hospital on XXXX XXXX, which I can retrieve documentation for that as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Company : Capital One This company is still reporting negative on my credit report, after they accepted a debt consolidation settlement payment through my legal counsel. The settlement agreement was accepted by this creditor XX/XX/XXXX and payment was issued to them XX/XX/XXXX. The terms of the settlement was to reflect account paid in full, but Capital One has this account open on my credit report as past due and delinquent. I open a dispute with my XXXX account XX/XX/XXXX, and received a response back XXXX XXXX from Capital One advising that the balance was valid. I opened another dispute XXXX XXXX with letter documentation of the settlement agreement, as well as the payment being issued and received by Capital One. Capital One responded once again on XX/XX/XXXX, and again said the account is valid and they continue to report this account as a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Issue : Incorrect credit reporting Chargeoff, unverifiable delinquency Company : Comenity Bank Account : XXXX CFPB Narrative : Comenity Bank is reporting a chargeoff for {$650.00}. I disputed this information directly, but Comenity did not provide any documentation supporting the delinquency or chargeoff. The reporting appears inaccurate and unverifiable. They failed to provide : Payment logs Internal notes Proof of delinquency Chargeoff documentation This violates FCRA 623 ( a ) ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: American Credit Acceptance, LLC
State: MO

Complaint narrative:
We got a car through american credit acceptance. Shortly after we found out that we would not be able to make the first payment or get it legal so a weeks before the first payment was due I called them to let them know I had to surrender the car because of my financial problems. They told me that someone would be reaching out to me to set up a time and date to come get the car I never heard anything so I have called back repeatedly and the first 3 times I called there was always a reason why the voluntary repossession had not been put in the system. They just kept saying the same thing over and over again I have been dealing with this for over a month. They still have not came to get the car and all the while they are continuing to increase the payment. I've had enough. The company just keeps serving me around. They are intentionally putting off comeing to get the car so that I will owe them more and more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
Affirm says I filed bankruptcy. XXXX XXXX. This information is inaccurate. I have paid affirm for all orders closed. No other companies report a bankruptcy. I have asked this company 4 times now to request to have this removed before reporting. This date is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am requesting full verification of the alleged debt referenced in your recent notice, including the original creditors information, the claimed balance, documentation showing my obligation for the debt, and proof of your authority to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am filing this complaint because Wells Fargo denied my request for the 6 % interest-rate protection under Ohio Revised Code 1343.031 for a Wells Fargo credit card account. On XX/XX/XXXX, I requested that Wells Fargo apply the 6 % interest cap, provide a full accounting of all interest charged above 6 %, refund or credit the excess interest, and confirm the adjustment in writing. On XX/XX/XXXX, Wells Fargo denied the request. On XX/XX/XXXX, I sent a written rebuttal explaining that Ohio Revised Code 1343.031 covers active-duty service performed pursuant to an act of Congress, and that regular XXXX XXXX XXXX XXXX service is performed under Title 10 of the United States Code. On XX/XX/XXXX, Wells Fargo denied the request again. In that denial, Wells Fargo acknowledged that I am full-time XXXX XXXX in the XXXX XXXX XXXX with continuous XXXX XXXXe since XX/XX/XXXX, but still concluded that I was not on XXXX XXXX pursuant to an executive order of the President or Congress. I believe that conclusion is legally incorrect because Title 10 is an act of Congress. The account was opened after XX/XX/XXXX, and Wells Fargo has stated that it is the only Wells Fargo obligation in my name that incurred interest. Under ORC 1343.031, I believe interest should be capped at 6 % during the XXXX period, and any interest above 6 % should be forgiven, refunded, or credited. I am requesting that Wells Fargo reverse its denial, apply the 6 % cap, provide a full accounting of all interest charged above 6 %, refund or credit the excess interest, reduce any applicable periodic payments, and provide written confirmation. The exact refund amount is unknown because Wells Fargo has not provided the requested calculation.

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 2026-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: UT

Complaint narrative:
My Account is restricted since XX/XX/year> and can't be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Wells Fargo reflect account was hacked and someone got replacement cards that was not me nor my husband attached explains the lame excuses with this account and also out checking account which was all fraud only refunded partial payment and used lame excuses our account number was never changed no partial refunds attachment will explain this

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 2026-05-29 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
XX/XX/year> {$370.00} was paid to me and then XXXX suspended my account so that I can not access those funds. I have been communicating with XXXX for over a week with no resolution. I have an old XXXX account with over {$40.00} in that they will not allow me to withdraw either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 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: WA

Complaint narrative:
Im really disappointed with the response I got after requesting an investigation into the inaccurate accounts. It felt like a generic reply with no real details on how the accounts were verified. I expect a more thorough answer since I clearly explained why I needed this verification. I have some urgent questions that need to be addressed. If you cant provide a timely response to all of them, I want the accounts removed from my credit report permanently. Can you provide proof that the accounts are accurate? Did you use certified documents during the investigation? If so, what were they? Also, please share any information that was given to the original creditor during the investigation. Id like to know the cost of the documents used, the name of the person you spoke with at the original creditors office, and when and how long the conversation lasted. Lastly, please let me know who from your team spoke with the original creditor during the verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Im really disappointed with the response I got after requesting an investigation into the inaccurate accounts. It felt like a generic reply with no real details on how the accounts were verified. I expect a more thorough answer since I clearly explained why I needed this verification. I have some urgent questions that need to be addressed. If you cant provide a timely response to all of them, I want the accounts removed from my credit report permanently. Can you provide proof that the accounts are accurate? Did you use certified documents during the investigation? If so, what were they? Also, please share any information that was given to the original creditor during the investigation. Id like to know the cost of the documents used, the name of the person you spoke with at the original creditors office, and when and how long the conversation lasted. Lastly, please let me know who from your team spoke with the original creditor during the verification process.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2026, I made ATM check deposits at Bank of America. During the deposit process, the ATM experienced a malfunction after accepting multiple checks. The machine accepted the checks, but I did not receive clear confirmation that all deposited items were properly processed. After reviewing my account, I became concerned that not all deposited checks were credited correctly. I contacted Bank of America and was directed to wait for the ATM vendor to investigate. This caused significant stress because I no longer had possession of the deposited checks and could not independently verify that every check had been properly accounted for. Communication regarding the status of the investigation was limited, and I was left uncertain whether all deposited funds would be credited. Additionally, extended holds were placed on deposited checks, preventing timely access to funds. I am requesting that Bank of America provide a complete accounting of all checks accepted by the ATM, confirm that every deposited check was processed and credited correctly, explain the basis for the extended holds, and review whether the holds can be released.

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 2026-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
My property was in foreclosure and I had finally been paid for a job and was calling to pay it out of foreclosure. I called to make the {$2500.00} payment and was told the amount was now $ XXXX. Rocket would not accept the {$2500.00} payment and I told them I would have the {$3000.00} on Monday ( 4 days away ). On Monday I called with the $ XXXX payment and was told the payment was now over {$6000.00}. After that I tried to called daily for the amount, as I was told the amount given to me was only good for XXXX hours and would change again. I asked Rocket to tell me exactly how much it was going up daily so that when I sent the new amount I would send the correct amount bc I was told that a payment that was not correct would not be taken. Rocket refused to give me the amount, although they had been giving me a new amount daily. They told me I could get the new amount in 6 days, the day before the sale. By my own calculations, the payout amount was increasing by {$1000.00} a day. By doing this, they committed real estate owned fraud by charging ficticious or frivolous charges in an effort to prevent me from getting the property out of forclosure. Also, I believe the mortgage lender had committed fraud by giving the loan in yhe first place to my terminally ill father. At the signing I was told I would be cosogning although my debt ratio was high and I was self employed with little documentation. After my father died, Rocket told me I was not the cosignor but was on the title. They refused to give me access to the account without jumping through hoops every time I called to make payments and wouldnt give me access to the online app to make payments easier. They took some partial payments and refused other partial payments. They told me I was not cosignor, although I was at the closing and told that I was. The property deed was in my father 's name and also my name, but is now only in my name. I tried to refinance the loan with my daughter and was denied and tried to assume the loan and was given the run around after sending the documents they asked for. I believe Rocket not only violated the ability to pay rule but also violated the fair housing act and equal credit opportunity act. Not only did Rocket fail to verify the capacity for the loan to be paid back, they gave the loan in a fraud for profit mindset by abusing the mortgage lending process. The property is worth $ XXXX and the loan was only for {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b' \n\nI am filing this complaint regarding a delayed return of funds from Bank of America.\n\nOn XXXX XXXX 2026, a release of funds from the XXXX XXXX was processed and submited to Bank of America. At XXXX. I was informed that these funds would be available in my account within five business days. It has now been XXXX business days since the release was initiated, and the funds have yet to be credited to my account.\nDespite the expiration of the promised timeframe, the funds remain unavailable. I have attempted to resolve this directly with Bank of America, but the issue remains outstanding.\nDetails of the transaction:\n Financial Institution: Bank of America\n Date of Transaction/Release: XXXX XXXX XXXX\n Expected Availability Date: XXXX XXXX. XXXX business days after the XXXX..\n Account Number XXXX XXXXn Amount in Question: XXXX\nI am requesting that the CFPB look into this delay and assist in ensuring that the funds are immediately credited to my account as originally promised.\nThank you for your time and assistance in this matter.\nSincerely,\n\nPXXXX 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 monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Glory LLC
State: PA

Complaint narrative:
On Wednesday XXXX/2026, at XXXX AM I called a number ( XXXX ) that was listed as XXXX XXXX on XXXX. The person who answered responded as if they were XXXX XXXX and proceeded to tell me that I could pay my debt and have it removed from my file. At that point they said they were going to use their provider ( Credit Glory ) to finish services and ensure all information was removed from my credit report. They charged me {$170.00} for the service to pay the outstanding debt in question and dispute the claim and have it removed. I want to make it very clear that the person who picked up my call verbally claimed that they were attached and affiliated with XXXX XXXX and that this was the correct number to directly pay a debt, and that the {$170.00} fee included my debt owed, and not just their dispute services. I sensed something was off and called today ( XX/XX/year> ) using another number listed as XXXX XXXX ( XXXX ). I was informed the person I spoke to on XX/XX/year> was in no way affiliated with XXXX XXXX and was most likely a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Caribou Financial, Inc.
State: TN

Complaint narrative:
The loan to lower my interest rates is being processed through Caribou loans. The loan XXXX XXXX XXXX is extremely hard to get a hold of. She does not return calls or provide updates in a timely manner. When she does call she only asks for partial information and does not provide a list of all items needed at one time. Her approach to assist is less than professional. Ive asked for a supervisor to assist but they will not let you speak with anyone. I have emailed the vice president with NO response. This company should not be allowed to conduct business this way.

Company response to consumer: Closed with explanation