vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 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: FC HoldCo LLC
State: OK

Complaint narrative:
On XX/XX/year>, I formally contested the vehicle purchase agreement with the issuing dealership and notified the lender regarding unauthorized financial discrepancies and misrepresentation of optional add-on products. Specifically, I demanded the immediate cancellation and removal of optional XXXX insurance and tire/wheel protection policies totaling {$2400.00}, which inflated the principal balance of the auto loan. Despite being notified on XX/XX/year>, the lender has failed to ensure the adjustment of the incorrect principal balance and is currently allowing daily interest to accrue on an inflated, inaccurate loan amount. The first loan payment is not due until XX/XX/year>, yet daily interest charges are actively accumulating, calculated on a balance that includes these formally contested, unexecuted add-on policies. Furthermore, because both the dealership and the lender failed to act on the XX/XX/XXXX notice, I had to independently bypass the dealership on XX/XX/year>, to directly file formal cancellation requests with the product administrator. The lender is failing to act in good faith by servicing an unverified, inflated debt and penalizing a consumer with daily interest on an unadjusted balance while an active dispute and contract rescission process are underway.

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 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
My federal student loans were previously serviced by XXXX and later transferred to Aidvantage. Over many years, my loan history shows repeated periods of forbearance and deferment instead of being placed into sustainable repayment options earlier. These repeated forbearances caused interest capitalization and significantly increased my loan balances over time. After reviewing my federal student loan data, I believe I may have been improperly steered into forbearance rather than affordable income-driven repayment plans that could have prevented excessive balance growth. My records show repeated cycles of repayment, forbearance, and deferment over many years. I am requesting a full review of my account history, repayment options offered to me, capitalization of interest, and all servicing actions taken on my loans by XXXX and Aidvantage. I also request correction of any servicing errors and review for any relief programs or adjustments I may qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They closed my account without a reason. They said they can not tell me how much money were frozen and they can not guarantee return of funds within 60 days.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I took a cash advance of {$2100.00} on my Quicksilver credit card. On XX/XX/year>, I made a full payoff payment of {$3000.00}, clearing the entire account balance. Despite this, Capital One posted an interest charge of {$37.00} on XX/XX/year> six days after receiving my full payment. In XX/XX/year>, I called Capital One and was explicitly told by a representative that once I paid off my XXXX statement balance in full, no further interest would accrue. I relied on that representation and paid {$3000.00} on XX/XX/year>. Capital One then charged me {$37.00} in interest on XX/XX/year>, directly contradicting what I was told. I made three additional attempts to resolve this. On two separate calls, I was placed on hold and disconnected without resolution. On my third call, the representative was unable to explain what balance the XX/XX/XXXX charge was calculated on. When I asked to escalate to a supervisor, I was told no one above the representative was available. When I asked for a mailing address to submit a formal written dispute, I was told no such address exists. When I asked about disputing via secure message in the app, I was again told that option does not exist. The representative offered only to mail me a copy of my cardholder agreement. Capital One made a false representation about interest accrual, then left me with no viable path to dispute the resulting charge. I am requesting removal of the {$37.00} charge and written confirmation that my cash advance balance is {$0.00} and no further interest will accrue. Additionally, despite multiple calls, I have received no clear explanation from Capital One of what steps I need to take to stop interest from accruing on this account. I remain concerned that I will continue to be charged interest on a balance I believe has been fully paid off, with no guidance from the company on how to resolve this. I am requesting that Capital One provide a clear, written explanation of my current balance, the basis for any ongoing interest charges, and exactly what is required to bring interest charges to a complete stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I hold a checking and savings account with Ally bank. On XX/XX/XXXX I attempted to use an ATM to withdraw {$100.00}. The ATM malfunctioned and I did not receive any money. {$100.00} ( XXXX + {$4.00} processing fee ) was removed from my account. I disputed the transaction, and provided images showing the ATM errors that were presented ; these errors indicated that the ATM was unable to dispense cash, and the ATM was now out of service. Ally eventually denied my ATM dispute ; I received one letter which said the 'transaction was authorized '. Between this letter ( in XX/XX/year> ), and today, XX/XX/year>, I have spent XXXX hours on the phone with Ally customer service over XXXX calls, trying to understand what they need to help me dispute this transaction. Every phone call I have been promised a follow up email or mail ; not once has this occurred. I have escalated to a supervisor with a promised follow up, and never has it occurred.

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
" I am filing an official complaint against Acima Digital XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for fraudulent debt generation, inaccurate credit reporting profiling, and illegal collection activities on a fully paid account. I leased merchandise from XXXX. XXXX through Acima. In XXXX, I exercised my official Early Purchase Option and paid off the account completely. I have full screenshot proof of the buyout confirmation, as well as bank records showing every single regular monthly payment and the final verification payments made to Acima. My actual balance is completely {$0.00}. Due to a massive corporate billing system 'glitch, ' Acima failed to close out the account on their system. Instead, their system automatically generated a fraudulent, phantom balance of {$700.00} by pretending I missed months that occurred after my actual buyout. While I was physically on the phone with an Acima representative attempting to fix this glitch, Acima wiped the account history from my active portal and immediately dumped/sold this fake {$700.00} debt profile to XXXX XXXX XXXX XXXX XXXX. Acima has additionally slashed my active credit lines based entirely on their own internal glitch. XXXX XXXX XXXX has purchased a completely false, inaccurate debt string. Attempting to report or collect on a debt that was fully legally extinguished in XXXX is a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: DE

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a XXXX XXXX alert showing a new collection account on my XXXX credit report from Sunrise Credit Services ( original creditor XXXX XXXX XXXX XXXX ), in the amount of {$210.00}. This was the first and only notice I ever received about this debt. I paid it in full the same day, within hours of learning it existed. I never received any validation notice, letter, phone call, or other communication from Sunrise Credit Services before this collection account appeared on my credit report. Under the FDCPA, a debt collector must send written notice of the debt and of my right to dispute it before or shortly after initial communication. I received nothing. The first I knew of this debt was when it had already damaged my credit. I am also disputing the accuracy of how this account is being reported. My XXXX report lists the " original creditor '' as Sunrise Credit Services XXXX. That is incorrect Sunrise is the collection agency. The original creditor is XXXX XXXX XXXX XXXX. This is an inaccuracy in the reported information. The underlying account reportedly closed on XX/XX/XXXX, but Sunrise did not open the collection until XX/XX/XXXX, and it was not reported until XX/XX/XXXX. At no point in that window did I receive any communication giving me the opportunity to resolve this before it hit my credit. Requested resolution : Because I paid this debt in full immediately upon learning of it, and because I was never given proper notice or an opportunity to dispute, I am requesting that Sunrise Credit Services delete this collection account from all credit bureaus. I am also requesting that they correct or remove the inaccurate original-creditor information.

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 2026-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Foreclosure sale date for my house is XX/XX/2026. I sent request for mortgage assistance a lot of times to my mortgage company. They have been not wanting to help me. I have recently sent the application for mortgage help with my income. I sent a letter to foreclosure attorney XXXX XXXX XXXX XXXX XXXX XXXX to dispute the debt. Attorney letter sent said all collection action will stop if request is received by XXXX XXXX. I want them to send me papers on the original credit. Their letter said they will stop collections action until I receive those papers. I feel I am being mistreated for my age and color of my skin. e

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccuracies on my credit report resulting from a recent data breach. This breach has compromised my personal information, leading to unauthorized accounts and inquiries that are damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information that is inaccurate or incomplete. The following entries are a direct result of this breach and must be investigated and removed immediately : Unauthorized Accounts : 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: TX

Complaint narrative:
I am writing to formally dispute the inaccuracies on my credit report resulting from a recent data breach. This breach has compromised my personal information, leading to unauthorized accounts and inquiries that are damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information that is inaccurate or incomplete. The following entries are a direct result of this breach and must be investigated and removed immediately : Unauthorized Accounts : 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE 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 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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: NC

Complaint narrative:
I am filing this complaint against Comerica Bank regarding the XXXX XXXX program. I am the official, legally appointed XXXX Representative XXXX for my XXXX grandchildren.The Social Security Administration ( SSA ) and the U.S. Department of the Treasury issued three ( 3 ) consecutive months of XXXX benefit payments for both children, routing them directly to XXXX XXXX.According to the SSA, these transactions are marked as completed and sent. However, XXXX XXXX customer service states that the children were " denied '' to the account and claims they can not locate the funds in their system. Representatives state they can only look up accounts by Social Security Number ( SSN ) and refuse to manually track the deposits using any other identifiers.I have official, physical documentation directly from the SSA and the U.S. Treasury Department. This paperwork details the exact routing numbers, account numbers, and transaction information used to send these federal funds to XXXX XXXX. XXXX XXXX personnel refuse to utilize these official Treasury tracking codes to locate the missing funds.Because of this systemic failure and the withholding of these federal funds, my daughter and my XXXX grandchildren have faced extreme financial deprivation, resulting in the loss of their home. They are currently homeless and living in a camper in XXXX XXXX, XXXX XXXXStandard non-receipt claims filed through the SSA have failed three times because the automated system is looping back due to XXXX XXXX 's refusal to process or locate these funds manually.I demand that Comerica Banks executive escalation and back-office tracking teams immediately use the routing and account number information provided in my attached Treasury documentation to locate these funds. They must either credit them to a functional account or immediately return the unpaid credits to the U.S. Treasury so the local SSA field office can manually re-issue these emergency funds to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I submitted my tax exemption documents from XXXX XXXX in FL in XX/XX/year>. My escrow was supposed to be adjusted for a tax reduction. When I call every time they say the will do the escrow analysis but they dont do it. I call every single month and they have me back and forth with the tax and escrow department. Unfortunately they wont send any documents with the evidence that they are taking action. I called on XXXX and said new analysis was for XXXX, I called again on XXXX and they told me a request was opened on XXXX and I needed to wait until XXXX. They just keep saying they will do it. Last time I send my tax exemption document was XXXX XXXX showing a value of {$0.00} for property tax. They only response I received from them is their apologies. My escrow for they year should be XXXX for XXXX, XXXX and insurance but my account is reflecting and escrow balance of XXXX, XXXX with taxes included.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-18 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: WI

Complaint narrative:
My Name is XXXX XXXX and I'm demanding inaccurate information be removed from my consumer report. In accordance with 15 U.S.C 1681b and 15 U.S.C 1681c. I did NOT authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, neither person has legal basis to use my name. Also, inquires I didn't authorize is reflecting on my consumer report, which constitutes to identity theft. Pursuant to 18 U.S.C 8 I don't owe any debt to any of the listed entities. I demand immediate deletion of the items and inquiries in question AND to correct my consumer report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief