vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LAND HOME FINANCIAL SERVICES
State: MD

Complaint narrative:
I was in contact with representative XXXX XXXX about a mortgage application I had initiated online. It took the company days to contact me. I spoke with the rep via phone and she requested more info. Once I had provided them many personal documents with highly sensitive information. I was in contact with her via email regarding a bankruptcy. They said I never listed on my application I filed bankruptcy although I am sure I uploaded discharge documentation via the portal and I discussed this with the representative over the phone. I turned in the document to her via email after she requested. It has been going on XXXX weeks now after attempting multiple times to contact the team via email phone and their main customer service phone line. I have yet to hear from her or anyone else regarding decision although a hard inquiry was placed on my credit report.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This complaint is a supplemental clarification related to CFPB Complaint ID XXXX, XXXX, XXXX, XXXX and prior related complaints regarding Wells Fargos handling of an incorrectly encoded check XXXX XX/XX/year>. 

Wells Fargos most recent CFPB response requests additional information regarding branch escalation. I am providing that clarification below, limited to verifiable facts and recorded communications. 

On XX/XX/year>, I contacted my local Wells Fargo branch to report an incorrectly encoded check while the item was still pending. I notified the branch that the amount was incorrect and asked for assistance preventing it from clearing. I was informed that I would need to work directly with the depositing bank to resolve the issue. 

On XX/XX/year>, after the depositing bank issued a correction, the depositing bank and I contacted Wells Fargo corporate together by phone. During that call, Wells Fargo corporate instructed me to go to the branch in person and call corporate from the branch in order for the issue to be resolved. I specifically asked whether this would resolve the issue if I followed those instructions, and I was told yes. This call should be recorded by Wells Fargo.

I followed Wells Fargos instructions and returned to the branch, where I met with the same banker I spoke with on XX/XX/XXXX. That banker contacted Wells Fargo corporate at the number provided. During that call, the banker requested escalation and intervention due to the known encoding error and the fact that my accounts had been drained. The escalation request was denied. The banker consulted the branch manager, and I was ultimately informed that Wells Fargo would not take action to assist. 

After leaving the branch, I contacted Wells Fargo corporate again and requested to speak with a higher-level representative. I was informed that no further escalation was available. 

These facts show that Wells Fargo not only had advance notice of the error, but also directed me to take specific steps to resolve it, which I relied upon, and then refused escalation and mitigation after those steps were taken. Wells Fargos responses do not explain why these escalation attempts were denied or why provisional credit or other mitigation was refused despite advance notice and reliance on Wells Fargos instructions.

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 2026-01-28 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My XXXX XXXX  was stolen, and my personal identifying information was used by an unknown individual to fraudulently open multiple credit card accounts with Barclays without my knowledge or consent. 

I did not apply for, authorize, activate, or use these accounts. I became aware of the accounts only after receiving delinquency notices and reviewing my credit reports. 

After discovering the fraud, I contacted Barclays to report identity theft and disputed the accounts. I also filed an FTC Identity Theft Report and a Police Report and provided this information to Barclays. Despite this, Barclays has continued to treat the accounts as valid, claims that I am responsible for the balances, and continues to report the accounts as delinquent. 

Barclays has not provided evidence that I applied for or used these accounts and has not corrected the inaccurate credit reporting. This ongoing failure to properly investigate and correct identity theft has caused continued financial and credit harm.

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 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FC HoldCo LLC
State: GA

Complaint narrative:
The vehicle was repossessed by contractors acting on behalf of XXXX  XXXX XXXX XXXX. The repossession involved conduct constituting a breach of the peace, including intimidation, unsafe handling of the vehicle, and the presence of a visibly armed repossession agent. One agent appeared impaired and drove the vehicle away instead of towing it. After the repossession, when the vehicle was retrieved, it was discovered to be damaged and undriveable, despite having a recently installed motor prior to being taken. The damage occurred while the vehicle was in the custody of XXXX or its agents. 

Following the repossession, I submitted multiple written notices disputing the repossession and demanding that the sale of the vehicle be halted. I also submitted a written hardship and mitigation notice requesting confirmation that the sale was paused, that no additional fees would accrue, and requesting documentation regarding the condition of the vehicle. Despite confirmed delivery of these written notices, XXXX has failed to provide any written response, confirmation, or documentation. As a result, XXXX XXXX, the primary borrower, remains without transportation, creating significant hardship. XXXX  lack of response and failure to address the disputed repossession, damage, and hardship raise serious concerns regarding unfair practices, failure to investigate a disputed repossession, and failure to mitigate consumer harm.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> XXXX I received a phone call from a so called chase representative saying a XXXX payment request was attempted of the amount XXXX I responded That it wasnt not me. So the instructed me with steps to cancel the pending transaction. Call keep disconnecting and they would call back by then my chase app was already blocked and I had no access to it at XXXX we spoke for XXXX minutes again at XXXX for XXXX min the number was ( XXXX ) XXXX another from ( XXXX ) XXXX for XXXX min from ( XXXX ) XXXX for XXXX minutes they informed me someone from XXXX  has access to my account by then the sent and XXXX XXXX request of XXXX and promised the funds would not be deliver it was part of the process by then I trusted they knew what they were doing since they were able to get in my account I received an XXXX XXXX  request from phone number ( XXXX ) XXXX at XXXX of the amount XXXX after that the call dropped again and I call chase number from the back of my card and they mention to come into the branch to verify me banker named XXXX XXXX XXXX mention it was a scam/ fraud and reported the fraud I was able to receive my funds back but they cancel the investigation due to not enough evidence and my account was reverse and Ive XXXX XXXX XXXX XXXX  as well and they say theres nothing they can do about it Ive now reported to the IRS XXXX ID number is XXXX And the chase claim ID is XXXX XXXX police incident number is XXXX Ive have not been able to use my chase account since this happen I have not been able to pay my bills due to the negative status of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Toyota Financial Services has received sufficient funds to fully cure my auto loan account. I have paid more than XXXX full monthly payments ( monthly payment {$590.00} ), including a {$770.00} payment on [ XX/XX/year> ]. 

Despite this, Toyota refuses to re-age the account and continues to show the loan as XXXX months past due and keeps the vehicle in repossession status. Toyota posted and later reversed a payment internally, misapplied subsequent payments to interest and miscellaneous, and failed to correct the account after cure. 

The loan is approximately XXXX year old. Continued delinquency and repossession status after cure constitutes payment misapplication and wrongful repossession risk. 

I am requesting immediate re-aging of the account, removal of repossession status, and correction of any inaccurate credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma
State: TX

Complaint narrative:
SARMA Collections is reporting a XXXX XXXX  account in the amount of {$520.00} that should never have been placed for collection or reported to the credit bureaus. 

At the time of the alleged XXXX XXXX, I had XXXX XXXX XXXX coverage. These charges should have been billed to and paid by my insurance carrier. Any failure to properly bill insurance is the responsibility of the provider and does not create a valid consumer debt. 

I was never properly billed, never notified of any balance prior to this account being placed in collections, and never given an opportunity to resolve the matter through my insurance. Despite this, SARMA Collections reported the account to XXXX XXXX XXXX XXXX, causing inaccurate and unfair damage to my credit. 

I formally disputed this account and requested verification, including proof that insurance was billed and denied and that proper notice was provided prior to collection activity. To date, this inaccurate reporting remains. 

I am requesting the immediate deletion of this XXXX XXXX account from all credit reporting agencies and written confirmation that the account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Fair Collections & Outsourcing is reporting a collection account that I dispute. I requested debt validation under FDCPA 1692g, but no documentation has been provided showing a signed agreement, proof of assignment, or an itemized balance. Despite this, the account continues to be reported. 

Reporting an unvalidated debt violates the FDCPA and the FCRA, as information being furnished is not verified as accurate or complete. I am requesting removal of this collection unless proper validation is provided.

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 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Account XXXX XXXX XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide Certified Mail with receipt displaying my signature If not. please delete account XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am disputing a home improvement/solar loan issued by GoodLeap in connection with contractors XXXXXXXX XXXX XXXX XXXX XXXX XXXX both of which failed to complete contracted work and later ceased operations. XXXX XXXX XXXX filed for XXXX XXXX XXXX  in XX/XX/year>. 
The loan, in the amount of {$82000.00}, was funded without clear itemization, transparency, or adequate oversight, despite warning signs of contractor misconduct and nonperformance. Promised work, including landscaping and multiple home improvement projects, was never completed. 
I was never provided with a clear breakdown of how loan funds were disbursed. I did not receive copies of checks, payment records, or accounting of proceeds. I later learned that substantial portions of funds may have been diverted improperly. 
A sales representative admitted that XXXXXXXX XXXX  XXXX XXXX XXXX used their agreements as home improvements to bypass the actual loan amounts from GoodLeap, suggesting intentional manipulation of the loan process. 
I was subjected to repeated verbal threats of liens and legal action by XXXX, XXXX, and affiliated entities, creating a coercive environment and fear of losing my home. 
XXXX later sent me {$26000.00}, referring to it as part of an agreement. However, no executed settlement or release agreement has ever been provided. I have searched my email, records, and XXXX account and can not locate any such document. I do not have a clear recollection of signing a document that waived my rights. 
GoodLeap has acknowledged that XXXX usually requires agreements but has not produced any signed document. They continue to rely on assumptions rather than evidence. I believe the payment may have been intended to resolve known deficiencies and potential misconduct, and I was pressured to accept it under stress and fear of further harm.

GoodLeap failed to exercise reasonable due diligence and oversight in funding and administering this loan, despite clear red flags. They are now continuing to enforce a debt arising from contractor fraud and nonperformance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : CHARGED OFF : No charged off accounts reported under this category. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I called to cancel my account with XXXX XXXX XXXX. I cancelled everything that i had with them and paid the final bill on line. XXXX XXXX later i get notified that i have a collection on my report from an XXXX XXXX that was part of the entire cancellation i did with XXXX XXXX XXXX. I never recieved notification that this was even still open until a year later. Why would they not cancel that when it was clearly part of my account? After selling the debt the collection company added fees to make things worse. I have tried to get the orginal information from the company about this debt but have been unsuccessful including the phone call of me cancelling everhyting that they should have recorded. Please help me to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: IN

Complaint narrative:
I bank with direct Express for my XXXX benefits and XXXX of XXXX through to XXXX of XXXX I was incarcerated and I had money stolen from me through to XX/XX/XXXX of XXXX. I have sent in proof of that several times and they continue to deny my claim. They denied it for a year now and I have continued to prove that I was in jail and they in fact owe me that money back it was XXXX dollars that was stolen from me... It's left me homeless and I have started a civil lawsuit on the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Was told the account was restricted but will close. I then went to branch to retrieve funds they told me they didnt know how long XXXX have to wait but they will mail funds. I called XXXX XXXX and was told they giving my money to the state with no reasoning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Hello, I am writing regarding my student loan account serviced by Nelnet to request a goodwill adjustment and assistance with correcting my credit history. 

The loans associated with this account were taken out in my name by my father to help pay for my college education. He was responsible for managing and repaying the loans. Unfortunately, after the XXXX payment postponement ended, he did not receive any communication indicating that payments had resumed or that the account had become past due. 

I was completely unaware that the account was delinquent until I noticed a sudden and significant decline in my credit score last year. As soon as this issue was discovered, we acted immediately and paid the full balance of all loans in their entirety. The account is now fully satisfied. 

This delinquency was not the result of an unwillingness to pay, but rather an error caused by a lack of received communication regarding the account status. The negative marks resulting from this situation are having a serious and ongoing impact on my credit profile, despite the fact that the balance was resolved promptly once identified. 

Given these circumstances, I respectfully request that Nelnet consider this a goodwill adjustment and reach out to the credit bureaus on my behalf to remove the delinquency from my credit history. I would be extremely grateful for your consideration, as this situation does not accurately reflect my financial responsibility. 

Thank you for your time and understanding. Please let me know if any additional documentation or information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am writing to formally dispute the {$710.00} debt reported by XXXX XXXX ( or the associated. This debt is inaccurate and fraudulent and should be removed from my credit file immediately. 
The policy in question was cancelled within XXXX hours of its inception. I never used this insurance, no claims were filed, and XXXX was never at risk. Because the cancellation occurred immediately, this should have been processed as a " Flat Cancellation '' with a {$0.00} balance. 
The charge of {$710.00} for XXXX days of coverage is unearned and does not reflect a legitimate debt. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only XXXX XXXX accurate information. Reporting a balance of {$710.00} for a policy that was never active or utilized is a violation of federal law. 
I demand the following : Immediate investigation into the " earned premium '' calculation for this XXXX period. 
Verification of why a " short-rate '' penalty or full premium was charged when no coverage was provided. 
Full deletion of this collection item/late balance from 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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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