vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a vehicle lease completed at XXXX XXXX on XX/XX/year>. At the time of signing, we specifically agreed to a XXXX lease with XXXX miles per year and a monthly payment of {$360.00} per month. During the signing process, the finance representative showed us the payment amount on the computer screen, and the amount displayed was clearly $ 360 monthly. Based on those representations, we agreed to move forward with the lease. We made the first payment of {$360.00} as expected. However, upon receiving the second bill, we discovered the monthly payment had increased to {$420.00} per month, which is different from the agreement presented to us during signing. We returned to the dealership to address the issue directly with the finance employee who handled our paperwork. He acknowledged that he remembered discussing and showing us the {$360.00} payment amount on the screen during signing. However, we were later told that the signed contract reflects a different amount, and no one at the dealership is taking responsibility for the discrepancy. Additionally, we were not properly provided copies of all finalized lease documentation at the time of signing, leaving us without the ability to immediately verify the final terms processed in the contract. This situation is extremely concerning because the payment amount we knowingly agreed to and were shown during the signing process was {$360.00} per month. We would not have agreed to a $ 428 monthly payment. We are requesting : XXXX. Copies of all finalized lease and financing documents immediately. XXXX. A full explanation regarding why the signed contract reflects different terms than those presented during signing. XXXX. A resolution that honors the lease terms originally presented and agreed upon.

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 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have XXXX transaction that has not been approved for a week. It was submitted Friday XX/XX/XXXX for XXXX XXXX to a friend in my phone contact. The company keeps telling me that it's under compliance review. The funds are available and have already been deducted but for some reason they have not forwarded the funds to the recipient

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 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I received a personal loan from XXXX XXXX XXXX XXXX XXXX XXXX and was unable to make the required payments. Instead of mediation they proceeded to enter a claim with the district court of XXXX XXXX. I can either appeal for {$250.00} or wait until my check is possibly garnished, which could result in me losing my job. Additionally, after a certain amount of time, the balamce will accrue 7.5 % interest rate. This is predatory lending at its finest. I was never offered a reduced payment to pay the loan off, which I would have agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I requested by certified mail validation of this debt and have never received it. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by a third-party collection agency related to an alleged debt from XXXX Flags XXXX XXXX. I do not believe this account has been properly verified, yet it continues to negatively impact my credit report. I have noticed this collection account appearing on my credit report and it has caused harm to my credit standing. I have not been provided with sufficient documentation proving that I legally owe this debt or that the third-party collection company has the legal authority to collect on behalf of XXXX Flags. Despite this, the account continues to be reported to the credit bureaus. I am requesting that the company provide full validation of the alleged debt, including : * The original amount owed * The date the debt was incurred * Copies of any agreement or contract bearing my signature * Proof that the collection agency has authorization to collect this debt * Accurate records showing how the balance was calculated If the company can not properly verify the debt, I am requesting that the collection account be removed from all credit reporting agencies immediately. I also request that all future collection activity stop until proper validation is provided. I am seeking a fair resolution and correction of any inaccurate or unverified information being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I surrendered the vehicle on XX/XX/year>. This Account XXXX : XXXX. This company has not picked the car up. They also keep reporting to my credit which I never gave them permission to do so. Lack of Permissible Purpose 15 U.S.C. 1681b Additionally, I am invoking XXXX XXXX XXXX XXXX XXXX, which addresses unfair, deceptive, and predatory lending practices. I believe the loan terms, handling of my voluntary surrender attempts, and the creditors refusal to process my requests fall under the concerns highlighted within this legislation.

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received XXXX XXXX forms in XX/XX/XXXX. Both were sent to a former neighbor next door, who contacted me to let me know he had mail for me. On XX/XX/XXXX, I sent two certified letters to two different addresses because, when I called the phone number listed on the 1099-C, the bank could not tell me which department I needed to contact. One address was found online, and the other was listed on the 1099-C form itself. The only response I received stated that the debt was not collectible and had been written off. However, my letter specifically requested proof that this loan belonged to me. If permitted, I will attach a copy of that correspondence to this complaint. After receiving that response, I sent another certified letter to both addresses, XX/XX/XXXX again requesting proof that this debt was mine. I also called several times and was repeatedly told that they did not have proof that this was my debt. In both my phone calls and letters, I requested that they rescind the 1099-C submitted to the IRS and correct the amount to {$0.00}. I was told they did not know which department handled these matters and that they could not assist me further. I have since made several attaemps including going to a branch and received the same information that they could not send me proof i signed for this debt or anything else.

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 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
XXXX became disabled and couldnt afford the monthly payment aspire card , XXXX card, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
This credit card and checking accounts in both my name and my mothers was opened without our knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a debt collection notice from Williams & Fudge , Inc. for an alleged debt of {$16000.00} owed to XXXX XXXXXXXX XXXX I immediately submitted a formal dispute through their online portal requesting : XXXX. A signed Student Handbook Acknowledgment Form showing I agreed to the refund policy XXXX. Any signed contract obligating me to pay XXXX. An itemized breakdown of the debt BACKGROUND : I withdrew from XXXX 's dental program in XX/XX/XXXX after XXXX weeks. I NEVER signed the XXXX XXXX XXXX XXXX that would bind me to their refund policy ( page XXXX of the handbook ). The withdrawal form I signed on XX/XX/XXXX had XXXX XXXX sections - the amount of {$12000.00} was filled in by XXXX staff AFTER I signed. I could not have agreed to owe an amount that was not on the form when I signed it. INADEQUATE VERIFICATION : On XX/XX/XXXX, Williams & Fudge sent a " verification '' containing only a statement from an XXXX employee saying the balance is accurate. They did NOT provide any signed agreement from me. This does not satisfy FDCPA verification requirements. AMOUNT DISCREPANCY : The original balance was {$12000.00}. Williams & Fudge added {$590.00} in finance charges and {$3300.00} in collection costs ( 26 % fee ) without a valid underlying contract. HARASSMENT : On XX/XX/XXXX, after disputing by phone, I received multiple emails from XXXX XXXX and XXXX XXXX, plus text messages from " XXXX, XXXX, and XXXX '' - all pushing payment on a disputed, unverified debt. They offered an 80 % settlement but can not produce the signed documents I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I financed a vehicle that was a total loss XX/XX/year>. Santander has received an overpayment on the account which, as of XX/XX/year>, has not been received. The amount of the refund should be almost {$700.00}. The company refuses to confirm the amount of funds received from XXXX, Gap, and the XXXX refund. I called most recently XX/XX/year> - the representative who answered XXXX refused to transfer me to a XXXX and refused to confirm last payments received. He advised there is a refund of just over XXXX that was mailed out but would not provide the date when it was mailed. When asked if the refund amount included XXXX and XXXX he disconnected the call after confirming I was on it several times. This company is incredibly difficult to ask simple questions of - the folks they have answering their phones almost refuse to do basic job functions. They're clearly not reading notes or any call histories before answering questions. I had a total loss accident and requested to speak with their insurance team XX/XX/year> ; they flat out refused a transfer or to relay information to the correct team. I strongly believe that is why XX/XX/year> I am STILL trying to resolve my account from a total loss accident XX/XX/year>. What makes it worse is when I FINALLY was able to speak with an insurance XXXX, they told me the interest would be stopped as of the date of the accident. They continued accruing interest well after AND refused to speak with or initiate contact with the insurance company to expedite the matter. I want the refund I am due. I'd also, realistically, like to see their call reps better trained on specialized issues. I shouldn't have had to literally beg someone SEVERAL TIMES to be transferred to the correct team. Reps should not hang up on a consumer because the issue is too complicated. XXXX 'll can do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Hello, I first started dealing with XXXX XXXX mortgage in XXXX of XXXX regarding getting my XXXX XXXX taxed. paid. Attached are copies of emails sent to the three main representatives I dealt with. At some point Rocket mortgage took over the loan. My calls began with them XX/XX/XXXX. I mainly dealt with the tax department. They finally paid my condo taxes, but said there was a an issue with my pin on my garage taxes which are separate. At one point they even paid taxes from my account on a garage that didn't even match my name or address, they raised my escrow which increases my monthly payments and then sent me an XXXX escrow overpayment check. My garage taxes for XXXX and XXXX are still unpaid despite me calling weekly for months. I was told all calls were recorded and I have my phone records for all the calls and length of time spent on the phone. Even if there is an issue with the garage pin there has been plenty of time for my mortgage company to have straighten it out. I dealt mainly with a XXXX in the tax department. Nothing got resolved. I finally reached out to complaints department and dealt with one person XXXX. Now I call and can never get through to her. She is always unavailable. I work full-time she will occasionally call back while I am working and can't answer. This is going on way too long. I am extremely disappointed with the way they are handling this. It has put a huge strain on me emotionally and financially. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am formally disputing inaccurate information being reported on my credit file regarding LVNV Funding LLC. The trade line contains contradictory and inaccurate reporting. The account is listed as " Paid Off, '' while simultaneously reporting an active collection status with a past due balance of XXXX. These statements can not both be accurate at the same time. Additionally, the reporting reflects inconsistent status information and potentially inaccurate updates dates that require investigation. Under the Fair Credit Reporting Act, you are required to report information with maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank - First and foremost you can NOT get a live person on the phone. So frustrating. I used XXXX of their " superchecks '' for balance transfers and 0 % interest until XX/XX/2027. I made XXXX payments in XXXX month to make sure, I paid the previous balance, paid the fee for transferring, made a usual payment and then paid what I thought would get back to a $ XXXX even dollar amount to which I still owed. Citibank did NOT pay off my old balance, nor the fees and instead are charging interest on the past due balance ( XXXX ) etc. I'm not sure what concept the bank is using, but I wanted all past due balances paid for XXXX, and it's not being done. I went inside the bank and the bank XXXX knew exactly what I was doing and explained what the bank was doing. I want all interest monies applied to the loan and all prior debt cancelled out.

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 2026-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: WV

Complaint narrative:
I am filing this complaint against Central Research , Inc. ( CRI ) for inaccurate credit reporting of ten 90-day late marks resulting from a documented servicer-side notification and disclosure failure. My provided email records demonstrate a systemic failure in CRIs automated notification system during the first quarter of XXXX : -Proof of Functional System ( XX/XX/XXXX ) : On XX/XX/XXXX, CRI successfully delivered a specific delinquency alert with the subject line : " Your student loan account is past due. '' This confirms the servicer has the technical capacity to provide clear, meaningful notice of delinquency. -The " Silent Quarter '' ( XXXX XXXX ) : Following the XXXX alert, CRI failed to send any billing statements or " Past Due '' notifications for XXXX or XX/XX/XXXX. During this time, the only communications I received were tax-related ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), which lacked any mention of account delinquency. -Defective Disclosure ( XX/XX/XXXX ) : When billing correspondence resumed on XX/XX/XXXX, the servicer switched from the specific " Past Due '' subject line used in XXXX to a generic subject line : " CRI account correspondence is now available. '' This generic notice failed to alert me to the critical 90-day delinquency status of my account. -Upon contacting CRI , a representative claimed that " mail notifications '' were sent. As an electronic-only customer, the servicers failure to deliver these notices via my elected communication channel ( email ) constitutes a breach of my account terms and federal disclosure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: 2288984 Ontario Inc.
State: MS

Complaint narrative:
On XX/XX/year> Debt collection agency XXXX hired by XXXX has agent leaving voicemails with implied threats to me and threatening to call my place of employment. Also this agent is texting a friend of mine and her daughter as well Saying that the cops are being dispatched to their home to arrest me. None of this is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: AL

Complaint narrative:
I've attempted to order a new card from my bank numerous times and I've been without an active card for over two months, but every time I've attempted this, the card never arrived. I've attempted to resolve any potential errors on my end such as making sure the mailing address was correct, but every time I tried to fix the mailing address, the previous address was still on file. I've resolved this by opting in to have my mailing address the same as my home address. I've contacted my bank numerous times about ordering a new card, but there's been no resolution. Due to how long I've been without an active card, I've suffered financial difficulties such as missed payments, inability to pay for gas for my vehicle or food. The last time I contacted my bank about ordering a new card, they told me they were going to forward the matter to the supervisor and expedite it and I'd receive a new card within three business days. It's now been over a week and I still have not received a replacement card. I'm at the point of closing my account, but my bank doesn't have any branches local to me, so I'd have to drive pretty far to withdraw my funds. But I'd rather give my business to a different bank.

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