vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I rented at XXXX XXXX for XXXX years - it was an awful apartment complex that did not make repairs, overrun with rodents and kept changing management companies. They violated the terms of the lease, unit was non compliant and due to ongoing, unresolved health and safety issues, I moved out. Per TX property code Section 92.056. Written communication was provided for over XXXX months and with no resolution and the violation, I moved out. I STILL HAVE EACH AND EVERY EMAIL to support the months of excuses from the office and the many attempts where I tried to resolve. Since I was within my rights to break the lease, they could not/did not take me to court to obtain a judgement, instead, they called their friends at RS Clarke and Associates, who added the debt to my credit report, years later and is refusing to remove. I have disputed upwards of XXXX times. It has been removed from TransUnion but still remains on Equifax and Experian. The amount is close to {$5000.00}, is incorrect and set to be time barred XX/XX/year>. I am getting an attorney to sue them for the illegal debt collection and filing another complaint related to their illegal practices. They ignored both TX law and US law and continue to break the law. I am Bank Compliance Officer and what they are doing is wrong and illegal. I have been reporting their illegal practices for years and it continues to ignored, allowing them to continue to break the law. This debt collector colluded with XXXX XXXX to attempt to extort monies, not owed, from me. They have since reported incorrect, inaccurate data related to the account for years on my credit in hopes of ruining my opportunities. This plan, derived from XXXX or more people, is also illegal here in TX as it is a " Civil Conspiracy '' against another person, to cause reputational damage or harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: NH

Complaint narrative:
I have no information about this company or what going on have not had a account with this company and I need this off my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2026, I contacted Chime regarding a dispute for a refund I never received from a merchant for a transaction totaling {$280.00} that originally occurred on XX/XX/2026. During the dispute process, my claim was initially categorized incorrectly by Chime representatives, which directly affected how the dispute was handled and reviewed. Under Chimes own Temporary Credit and Dispute policy, disputes involving credit not processed may qualify for temporary credit if not resolved within 10 business days. However, because my dispute was initially categorized incorrectly, I was informed it did not fall under Regulation E protections or qualify for temporary credit at that time. I was later informed during follow up communication on XX/XX/2026 that the dispute needed to be recategorized correctly because the original categorization was incorrect. Chime representatives acknowledged that the dispute should instead fall under Regulation E related dispute procedures and may qualify under the appropriate dispute category. However, despite this acknowledgment, I was advised that the recategorization request is still pending. On XX/XX/2026, I contacted Chime again seeking assistance and clarification regarding my dispute and refund claim. During this interaction, I was advised they could not help me further and the call was disconnected without resolution or proper escalation assistance. I also provided supporting evidence and documentation through the Chime dispute process to support my claim, including uploaded files and supporting information. Despite submitting documentation and making multiple good faith attempts to resolve this issue directly with Chime, the dispute remains marked as in progress. Additionally, I was informed the dispute may not be resolved until XX/XX/2026, which I believe is an unreasonable delay considering the dispute handling errors, pending recategorization, documentation already provided, and obligations outlined under Chimes published dispute procedures and applicable Regulation E protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Approximately XX/XX/XXXX, Wells Fargo bank unknowingly closed my joint checking account that I shared with my mom whom I take care of. Account holder is incapacitated and unable to make financial decisions. She did not close it nor did I. Wells Fargo will give me no information as to how and who closed the account. I reported fraud, but they have not answered any of my questions as to who why and how the account was closed unknowingly without my approval.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NM

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect 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 2026-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This company calls me while Im working during typical XXXX business hours. I dont know who they are. I told them not to call me during day Im at work they continue to do so. They also disclosed my personal information without verifying who I am. XXXX caller did not disclose who they were when I asked. They are also not following standard procedures for debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
I am filing this complaint regarding The Receivable Management Services LLC for furnishing inaccurate and unverifiable information to my consumer reports. This company has reported a collection account to my credit file without ever first providing validation of the alleged debt, proof of authority to collect, or any documentation demonstrating that I entered into a contractual relationship with either the original creditor or this collection agency. To date, I have never received : A signed contract or agreement bearing my signature A complete chain of title demonstrating lawful assignment or authority to collect Documentation validating the alleged balance Proof that this account belongs to me Additionally, the information being furnished is materially inconsistent across the credit bureaus. The account is being reported under different account numbers and different addresses depending on the credit bureau being reviewed. One bureau reflects the account as XXXX while another reflects XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The furnisher information and reporting data also differs between bureaus. This constitutes materially inaccurate and misleading reporting under the Fair Credit Reporting Act. A furnisher can not legally report inconsistent identifying information across consumer reporting agencies while simultaneously claiming the information is verified and accurate. Despite never validating the debt and never providing documentation establishing liability, this company continues furnishing derogatory information to my consumer reports. These actions raise serious concerns regarding compliance with : 15 U.S.C. 1681s-2 Furnishing inaccurate information 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair collection practices 15 U.S.C. 1692g Failure to provide proper validation At this point, the conduct of this furnisher demonstrates a pattern of reporting first and attempting to validate later while continuing to damage the consumers credit profile. I am requesting that the CFPB require this furnisher to either provide full documentation proving liability and lawful authority to collect, including a signed agreement and chain of title, or immediately remove the account from all consumer reporting agencies. If this conduct continues, I will pursue all remedies available under federal law, including civil action for violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
I refinanced my mortgage in XX/XX/XXXX, near the time property taxes were due. As part of the refinance, the title company associated with the transaction was responsible for paying the XXXX property taxes. In XX/XX/XXXX, I checked with the county and saw the taxes were not posted as paid. Believing this was an escrow issue, I contacted my servicer, Lakeview Loan Servicing, and requested that they pay the taxes from escrow. After Lakeview stated that a payment had been made, I later learned that the title company had already paid the taxes, but the county initially posted that payment incorrectly. I contacted the county directly, and the county corrected the posting error and confirmed that the taxes were paid in full by the title company. Once this was resolved, I contacted Lakeview and requested that any unnecessary or duplicate escrow payment be reversed and that my escrow account be corrected. Lakeview has since stated that a refund was issued in XX/XX/XXXX. However, I have no record of receiving any such refund, and the county has not confirmed that any refund was remitted. Lakeview has not provided any verifiable proof of a refund ( check image, ACH trace, or county confirmation ). Despite this, Lakeview increased my monthly mortgage payment beginning in XX/XX/XXXX and has continued collecting excess escrow funds. As of now, nearly five months later, Lakeview has not : Provided proof that a refund was actually issued Corrected the escrow overcollection Performed a retroactive escrow analysis Explained why the increased payment continues I have contacted Lakeview on a weekly basis and am repeatedly told the issue is being worked on, but no resolution has occurred. I am concerned that the servicer is improperly retaining escrow funds and making unsupported claims regarding a refund that I can not verify.

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 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
My client paid {>= $1,000,000} XXXX through Wise on XX/XX/year> and the money still hasnt been received. My client has called Wise numerous times to complain and I complained on XX/XX/XXXX and XXXX with XXXX response. I emailed XXXX XXXX to complain with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has been charging me a monthly maintenance fee of {$4.00} since XX/XX/year> and has never stopped. I was told that I'm a member of XXXX XXXX XXXX, so I won't be charged for the monthly maintenance fee. Later, I was informed that I had been given a lie or incorrect information. I maintained a minimum balance to avoid fees, but they've still been charging me without refunding. They charged me XXXX times already and only refunded XXXX charges. This mustn't go on.

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 2026-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am writing to formally dispute a charge of {$640.00} dated XX/XX/year>, which I have consistently reported as unauthorized and fraudulent. In XX/XX/year>, XXXX XXXX XXXX contacted me regarding a suspicious XXXX transaction. At that time, I clearly stated that I did not make this purchase, and it was identified as potential fraud. As a result, my card was closed and reissued, and I was informed that an investigation would be conducted. Since then, I have made multiple follow-up calls regarding this charge. I am now being told that Gap Card Services has proof of the transaction, including an email address and phone number allegedly linked to the purchase of XXXX XXXX tickets. However, I have not been provided with this documentation ( it is in the mail ), and regardless of what was used, I state unequivocally : I did not authorize this transaction I did not purchase any tickets through XXXX I did not receive any tickets or goods I did not use any tickets or services related to this charge Any email address, phone number, or account associated with this transaction was used without my authorization. I am extremely frustrated that this matter continues to be mischaracterized despite my repeated reports. This is a clear case of fraud, and I will not accept responsibility for a charge I neither authorized nor benefited from.

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 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, my Affirm account was hacked via an unauthorized account takeover. The criminal changed my phone number and email address, completely locking me out. When I try to log in, Affirm 's system sends the verification code to a fraudulent, unrecognized email address. I called Affirm XXXX XXXX and escalated to a XXXX. The XXXX claimed their system still showed my original email and dismissed this severe security breach as a 'system glitch. ' Affirm is misclassifying a XXXX account XXXX as a technical error, leaving my identity exposed and forcing me to cancel my linked XXXX banking card to protect my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: NY

Complaint narrative:
I recently had a Bank of America account closed, after which I encountered difficulties opening a new bank account. I attempted to verify and manage the alert through XXXX online system, but the website repeatedly failed or became inaccessible during the process. BoA told me that my account has potential fraudulent activity, banned me from XXXX. But the truth is that I recently relocated for work and currently live under a sublease arrangement, and I transfer the rent through XXXX, also I travelled before I started work, so there is some expense from travel that my friend sent me through XXXX. I have legitimate identification and employment documentation, also my account activities are normal. Due to these issues, I am currently unable to access basic banking services necessary for payroll deposits and daily financial transactions. I would appreciate assistance in resolving the fraud alert and identity verification issues.

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 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I requested LVNV Funding provide competent evidence that they have legal standing to collect and report this alleged debt. Specifically, I requested : * A complete chain of title showing LVNV legally purchased and owns the account; * A complete payment/accounting history from the original creditor; * Copies of any agreement bearing my signature; * Documentation proving the balance and amount being reported are accurate; * Documentation showing they have permissible authority to furnish this information to the credit bureaus. Instead of providing proper documentation, the account continues to be verified and reported to the credit bureaus. I believe the company is relying on automated verification procedures rather than conducting a reasonable investigation as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I filed XXXX modifications this last on on XXXX XXXX and of today I have not been able to speak to XXXX XXXX and every time I call they willnot transfer the call to her so that I know what the status of the modification is. They have asked for so much documentation and and some is totally unnecessaryto complete my modification and I provide then they say they don't have it. Today I called and the girl said she didn't know who XXXX XXXX was and that she could not connect me but somehow she did manage to find her in the directory and send her an email but still would not connect me. The young woman informed me that they had a completed file and would get back to me in 30 days. I thought they had 15 days to remedy the issue I'm having with them. They have been uncooperative and have not tried to work with me at all and they continue to deny my modification due missing paystubs that they want. Then they close the file and I have to start the process again. Attached is the activity sheet for the XXXX modifications I have requested and yet they keep denying it because they need XXXX more paystub, a letter and now they need a XXXX form that I have provided 4 times. THey are stalling so that I runout of funds to continue paying the mortgage and foreclose on the house. I believe they feel that the complaints to your agency can be ignored and that your agency can not do anything to them so they ignore the complaints. Their attitude is " what can they do to us? Probably nothing '' we can ignore her complaints because at the day they won't fine us or stop us from taking her house.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I am a XXXX applicant with over a decade of qualifying service. My employment for the period of XX/XX/XXXX through XX/XX/XXXX has already been certified and marked as employment verified in my XXXX tracker. My current servicer, Mohela, is failing to count XXXX payments from this window toward my XXXX payment requirement. My official My Aid ( NSLDS ) data and a letter from Mohela Office of the Customer Advocate, dated XX/XX/XXXX, confirm my loan status during this exact window. Despite having certified employment and a documented repayment status for these dates, these months are not being credited. I have attempted to resolve this directly with Mohela, but they issued a formal response on XX/XX/XXXX, stating they can not assist further and I must contact FSA. This create an impossible loop where the servicer refuses to correct the data and the Department of Educations automated system is missing years of my payment history. I requested a manual review of my account to sync my certified employment ( XXXX ) with the documented in repayment status shown in my NSLDS file. These months should be updated to Qualifying immediately.

Company response to consumer: Untimely response