vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: WI

Complaint narrative:
I paid off my auto loan and received a paid-in-full letter. The lender mistakenly sent my closed account to an unknown collection agency due to a system error. A third party is now making payments on this account. The lender is refusing to provide me with the collection agency 's identity, contact information, or account details, which is preventing me from correcting my financial records. I have called the collection agency twice and left 2 voicemails a month a part. I never was reached out to and the auto bank failed to reach out to me after i was given the paid in full letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a rental collection account that is being reported on my consumer credit reports. I dispute the accuracy and validity of this account. This collection account is related to a former apartment lease. To the best of my knowledge, I vacated the property before any final judgment was entered. Despite this, a collection account was placed on my credit reports and continues to negatively impact my ability to obtain housing and credit. I have attempted to understand and resolve this matter, but I have not been provided with sufficient documentation to support the balance being reported. I have concerns that the amount claimed may not be accurate and that the account is being furnished to the credit reporting agencies without adequate verification. I am requesting that the company explain how the alleged debt was calculated and provide documentation establishing that I am legally responsible for the amount being reported. I also want the company to explain the basis for reporting this account to the credit bureaus and to confirm that all information being furnished is complete and accurate. At this time, I dispute the validity and accuracy of the collection account and believe further investigation is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I disputed inaccurate reporting with the furnisher on XX/XX/year>. The company is reporting inconsistent, incomplete, and contradictory information across the credit bureaus. The reported dates, balances, payment history, and remarks do not match each other or the account 's actual history. Some data is missing entirely, and other fields conflict from bureau to bureau. I requested an investigation and correction, but the company did not provide the required information or resolve the inaccuracies. I am requesting that the furnisher correct the reporting to reflect accurate, consistent, and complete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX my debit card was stolen from XXXX on XXXX XXXX ( after I made my transaction at XXXX ) and was used several times elsewhere throughout the city at six different locations that I can not fine the exact address for not a phone number while I was at work in XXXX XXXX XXXXXXXX . As soon as I was able to I called Chime and froze everything. The only proof I had at the time was my time sheet and my manager stating where I was during the time of these transactions and my dispute was declined 5 times because of insufficient evidence. I then filed a police report some time after the fith final decision and used that evidence to re open the dispute and it was again declined. Chime states that because the merchant is not being honest about receiving a fraudulent payment I can not be reimbursed for my {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management , Inc. Attention : Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Dispute and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the validity of an account you are reporting on my credit profile under the name Midland Credit Management Inc., showing an open balance of {$840.00}. I do not recognize this debt, I do not know who the original creditor is, and I have never entered into a contract with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to demand validation of this alleged debt. Please provide me with the following documentation : 1. Complete itemized accounting of the alleged balance ( {$840.00} ). 2. A copy of the original contract or agreement bearing my signature. 3. Proof that your company has the legal right and authority to collect this specific debt. Please cease all automated credit reporting updates and collection efforts regarding this account until you have mailed these verification documents to my attention. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
am submitting this complaint because Experian continues to report a fraudulent account despite my dispute and supporting documentation. I disputed the XXXX XXXX account after discovering that it was not opened by me and was the result of fraud/identity theft. I notified Experian and requested that the account be removed from my credit report. However, Experian responded that the furnisher had verified the account as accurate and refused to delete it. Experian 's response stated that the company certified the information was accurate, but Experian did not explain what investigation was performed or how the account was verified. Simply repeating information provided by the furnisher is not a reasonable investigation when a consumer reports fraud and identity theft. As a result, the fraudulent account continues to appear on my credit report and is causing harm to my credit profile. I am requesting that Experian conduct a proper investigation of this account, provide the method of verification used, and remove any information that can not be verified as belonging to me. I am also requesting that Experian review whether it complied with its obligations under the Fair Credit Reporting Act when responding to my dispute. I would like a written explanation of the investigation performed and the basis for continuing to report this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: IA

Complaint narrative:
Affirm charged off my account on XX/XX/year> to the collection agency named XXXX. They have 5 days according to the FDCPA to send a letter of verification so I may dispute it if I choose to do so. Today I received an email from USPS showing my mail which included a picture of what I am assuming is a verification letter from XXXX yet this letter is 7 months late. This strips me of my 30 day dispute if I choose to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: IL

Complaint narrative:
Balance of {$4600.00} to Upgrade being reported on my Credit Report from XXXX. Account number is XXXX. It is being listed as a charge off on my credit report. I have sent a certified letter to Upgrade and it was signed for XX/XX/XXXX. I have requested a XXXX as this should ot be reported. No response from Upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The {$580.00} Collection Account ending in XXXX from Debt Buyer, LVNV Funding LLC/Resurgent, has been paid in full by One-time payment, but is still remaining on all three of my credit reports from XXXX, XXXX, and XXXX . After disputing the account with XXXX, and sating the account has been paid, I received a dispute result from XXXX stating that the account will remain unchanged and will stay on my credit report. This is very obviously incorrect and the account must be removed as I've paid the Debt Buyer, LVNV Funding LLC/Resurgent, the full {$580.00} of the Collection Account, yet the collection account is still being allowed to remain on my credit reports, unchanged, erroneously reporting that a Collection Account that has already been fully paid, is due, egregiously damaging my credit and quality of life. I was also suppose to receive a refund for the overpayment of {$89.00} for the account, that has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I am filing this complaint regarding an unpaid utility collection account being reported by Radius Global Solutions in the amount of approximately {$950.00}. I dispute the accuracy and validity of this debt and request a full investigation. Radius Global Solutions is reporting this account to XXXX, XXXX, and XXXX, and the collection is negatively affecting my creditworthiness. I request that Radius Global Solutions provide competent evidence that I am legally obligated to pay this debt, including : The name and address of the original utility provider A copy of the original agreement or contract bearing my signature or other proof of liability A complete itemized statement showing how the balance of {$950.00} was calculated Documentation demonstrating that Radius Global Solutions has the legal right to collect and report this debt Under the Fair Credit Reporting Act, all information reported to consumer reporting agencies must be accurate and verifiable. If Radius Global Solutions can not provide sufficient documentation validating the debt and the amount claimed, I request that the account be deleted from all consumer reporting agencies immediately. I also request that the credit bureaus conduct a reasonable investigation into this account and remove any information that can not be verified as accurate and complete. I am seeking correction of my credit file and a written response detailing the results of the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a sudden and unwarranted reduction of my credit limit by Barclays XXXX XXXX Issuer ] on my account ending in XXXX On or around XX/XX/year>, the company decreased my credit limit from XXXX down to XXXX. At the time of this reduction, my outstanding balance was XXXX. Because the new limit is dangerously close to/ lower than my balance, this action risks reporting me to the credit bureaus as over-limit. After making payment and pending transactions, there is {$0.00} credit availability. My payment history on this account is flawless : I have never been late, have never previously gone over my limit, and consistently make on-time payments. Furthermore, there have been no negative changes, late payments, or new collections on my credit report to justify an adverse action. Actions Taken : I have maintained my account in good standing. I am requesting that the company review this automated decision, restore my original credit limit of {$4500.00} and ensure that no negative " over-limit '' status is reported to the credit bureaus, as this would unfairly damage my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/XXXX I was paying off my XXXX XXXX Credit Card balance of {$110.00}. I was paying through my bill pay at my bank which is XXXX XXXX. They use XXXX XXXX for bill pay and that is where the payment went. Accidentally I entered {$11000.00} and paid it. A week or so after I contacted XXXX XXXX, explained what happened and they said they would send me a check for the balance. A few weeks later I called them because I had not received it. They then told me I was given incorrect information and I would receive the money in about 3 weeks. I called XXXX XXXX to report the issue and they put through an unauthorized payment to XXXX XXXX and credited my account {$11000.00} on XX/XX/XXXX. About a week later I received a letter from XXXX XXXX saying they issued an ACH payment to my " bill pay service company '' of {$11000.00} on XX/XX/XXXX. I later spoke with both XXXX XXXX and the bill pay company which is XXXX. They have NO RECORD of that payment at all. Over the last 3-4 months, XXXX and I have called several times asking for proof of that payment and XXXX XXXX has given many excuses saying a supervisor will call you, or we will send you a letter or set up a group chat ( which I did 2 times ) and they continue to ignore our requests. XXXX needs a ACH TRACE NUMBER, The BANK ROUTING NUMBER where that payment went to and, of course the ACCOUNT NUMBER the payment went to. They continue to gaslight and ignore the request. They now are charging me for the {$11000.00} and have added XXXX XXXX XXXX in fees and interest. They are horrible every time I call. I have a record of over 10 people so far who repeatedly got me off the phone by saying a supervisor wasn't available and would call me in 2 days, send me letter in 2 days and 2 names of people who literally hung up on us during the group calls!!! I believe there is either incompetency or outright theft or FRAUD involved here. Both XXXX and XXXX agree and have been doing everything from their end to resolve this but they have yet to prove that ACH payment occurred. I sent a letter to the attention of XXXX XXXX ( President of XXXX ). The received it XX/XX/XXXX and cashed the check enclosed for my Actual balence which was now at {$140.00}. I then called and they are STILL showing that I owe them almost {$12000.00}!!! I sent XXXX XXXX a DETAILED certified letter showing my ACTUAL balance and marked the check PAID IN FULL. When I called a few days ago I was told it was only marked as a partial payment!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was present and watching paypal make these charges, i immiedatly requested the pending charge to dispute. The first one was for score for XXXX dollers among a few simple charges for XXXX. I asked them to stop immidiatly. But they followed through. I dont just want my money back, but i want the last 4 hours of my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I am requesting a refund of the fees that were erroneously charged since the opening of the account due to the bank personnel assigning the wrong type of account and refusing to rectify the problem. The total is {$270.00} I opened an account with the XXXX branch of FIRST HORIZON BANK in XXXX, TN, on XX/XX/XXXX. When I received my XXXX XXXX statement, there was a charge of {$34.00}. When I saw it was a monthly charge, I contacted the bank after a while and was told it was because of the account I have. I don't have the dates of my contacts with the bank, but I am sure they're in their records if they haven't been deleted. In XXXX, I went into the branch to get a clearer understanding of the charge. Recently, I had time to go inside the bank to get clarification on what the fee covered. I worked with XXXX XXXX, Relationship Banker. She was not familiar with the type of account ; therefore, she continually consulted with the bank manager, XXXX XXXX. On XX/XX/XXXX... I closed the account. I made an appointment with the branch manager on XX/XX/XXXX because I still needed a bank account and a resolution regarding the fees. When we met, she was hostile. I left, went to another branch. At the Branch on XXXX XXXX, the branch manager was able to reopen the account to change the type of account within an hour of my arrival.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
I applied for a home equity loan on an investment property at XXXX XXXX XXXX, XXXX, GA XXXX. I had previously submitted a full application with Better Mortgage for this same property, during which I correctly disclosed the property as a non-owner occupied investment property and a duplex ( 2-unit multifamily ). That application was closed due to an error on my credit report which I disputed with XXXX and resolved within a few days. The loan officer called me a few days later and completed a new application without my knowledge referencing my prior application or the information I had already correctly disclosed. He incorrectly classified the property as both a primary residence and a single family home neither of which is accurate. The property is a non-owner occupied investment property and a duplex. He then called me approximately 9 times in one day pressuring me to lock the rate before I had an opportunity to review the application for accuracy. When I discovered the misclassifications and contacted the loan officer, he modified my loan terms without my consent reducing the loan amount from {$75000.00} to {$66000.00}, reducing cash proceeds from {$70000.00} to {$61000.00}, and increasing the rate from 7.75 % to 8.625 %. I did not authorize these changes. The original errors were entirely Better 's I did not complete the application myself and had already provided correct property information on my prior application. Better Mortgage had full knowledge this was a non-owner occupied investment duplex from my previous application. These misclassifications were not innocent mistakes they represent a failure to reference existing customer information already in their system, resulting in a rate lock obtained under incorrect pretenses and unauthorized modification of my loan terms when the errors were discovered. I am requesting Better reinstate the original locked terms of {$75000.00} at 7.75 % for 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife 's debit card was compromised, stolen, and replaced by Wells Fargo due to fraud. Before the card was shut down, a fraudulent merchant charged ib XX/XX/year> for {$190.00}. To defeat the bank 's automated fraud system, the scammer shipped unwanted supplements to our house. Wells Fargo initially credited the money, but reversed it when the scammer provided a tracking number. A senior fraud specialist refused to help, stating 'nothing can be done ' because the scammer had my wife 's information. This is a direct violation of Regulation E regarding unauthorized electronic fund transfers. The delivery of unsolicited merchandise does not validate an identity theft transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: FL

Complaint narrative:
I am submitting a complaint against MOHELA for inaccurate credit reporting that has caused immediate, severe damage to my credit score. I previously contacted MOHELA to report that I was experiencing unemployment and could not afford my payments. My account should have been protected under an unemployment deferment or administrative forbearance. Instead, MOHELA failed to apply the appropriate protective status and reported my account to the credit bureaus as delinquent and past due, dropping my on-time payment history by 5 %. Because this is a federal student loan, I am requesting that MOHELA immediately apply a retroactive voluntary/unemployment forbearance to cover these specific months and issue an expedited credit correction tape to XXXX, XXXX, and XXXX to delete the late history and restore my account to 'Current ' status.

Company response to consumer: Untimely response