vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
This complaint is in relation to complaint : XXXX In reference to the previous complaint, we were issued a letter from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, however the letter does not address our main concern. We have requested that XXXX  provide a revised letter confirming that the XXXX payment was rolled into the forbearance agreement as it was indicated to us via telephone multiple times with the loss mitigation team. 
We continue to experience denials from other lenders other than XXXX  due to this issue and lack of documentation that the XXXX payment was in fact a part of the forbearance agreement. We were also informed during the initial request of forbearance, and during follow on phone calls with the loss mitigation team, that we did not have to pay the remaining XXXX balance owed due to it being a part of the forbearance.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing in response to your communication regarding the above-referenced account. This letter is a formal request for validation of the alleged debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of fees, interest, and principal.

3. Copies of any contracts or agreements bearing my signature that show I am legally obligated to pay this debt.

4. Proof that you are licensed and authorized to collect this debt in my state.

5. Documentation showing that this debt has not exceeded the statute of limitations.

Until this information is provided, you are required to cease all collection activity, including reporting to any credit reporting agencies.

This is not a refusal to pay, but a request for verification. Please provide the requested documentation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: GA

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 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XXXX the XXXX at around XXXX to XXXX I was at work working on the warehouse floor when I kept getting calls on my phone. We are not allowed to use our phones on the floor incase of a emergency. After the XXXX or XXXX call I decided to see who was calling me so much to my surprise it was cashapp automated system alerting me that someone might be trying to access my card. I immediately panicked in the suitation and tried to get cashapp support on the phone. While this is going on the person has got into my account on a XXXX device and changed my pin so now I couldn't even access my account. All why this is happening the person in my account tried getting XXXX loans of over XXXX dollars. They failed getting the money that way. Then they tried the barrow feature from cashapp which lets you borrow money from them and you can pay them back in payment plans. They borrowed XXXX dollars XXXX to 4 times and it was attached to my bank card. I was still on the phone trying to get cashapp support to secure my account. They got the money but I did file a claim with cashapp but they have denied my claim saying I authorized this person to get money on my account which is false and makes no sense at all. No one knows my cashapp at my workplace and I recently just borrowed XXXX dollars from cashapp to get something to eat. The only loan ive ever got thu cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
In 2020, Credit Acceptance Corporation approved a high-cost auto loan with an annual percentage rate of approximately 23 % using temporary unemployment benefits as qualifying income. Unemployment benefits are time-limited and non-guaranteed, yet Credit Acceptance extended a multi-year, high-interest loan without any reasonable assessment of my ability to repay beyond the benefit period. 
This underwriting decision demonstrates a failure to conduct a meaningful ability-to-repay analysis and reflects predatory lending practices targeting financially vulnerable borrowers. The loan terms and pricing made default foreseeable at the time of origination. 
In addition, I dispute whether the vehicle valuation used to justify the loan amount reflected fair market value. Inflated vehicle pricing combined with an excessive APR substantially increased the likelihood of default. 
I have formally disputed the validity and enforceability of this loan with Credit Acceptance and requested documentation supporting their underwriting and valuation. I am seeking corrective action, including resolution of inaccurate credit reporting and relief from the harmful effects of this predatory loan. 
I request that the CFPB investigate Credit Acceptance Corporations lending practices related to this loan and require appropriate remediation.

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 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I disputed two CMRE Financial Services medical collection accounts in writing and provided proof that the charges are covered by VA XXXX XXXX and are not legally owed by me. CMRE acknowledged the dispute but continued to send collection notices dated XX/XX/year> attempting to collect the debts and claiming they were validated. 
CMRE also told CFPB that collection activity had stopped, which is false. I have written collection letters dated XX/XX/year> sent after my dispute and after CMREs CFPB response.

CMRE is continuing collection during a dispute and misrepresenting the status and validity of the debt, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692g ( b ) ). I am requesting that CFPB require CMRE to cease collection, delete any credit reporting, and correct their false statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XXXX I deposited {$2900.00} of postal money orders to my bank of america ( boa ) checking account. I did this in person at the bank of america branch at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. The {$2900.00} deposit consisted of XXXX XXXX XXXX XXXX orders. All funds were available on the day I made the deposit, and I proceeded to transfer {$1000.00} from my boa checking account to my boa credit card account, to pay off part of a balance. The following day, boa put a hold on {$1000.00} of this deposit, significantly reducing my available balance and prohibiting me from using any of the funds to further pay off my cc balance. I contacted boa via phone, and was put on hold for XXXX hours without an associate answering the phone. I began an online chat with an online agent via the boa website and explained my issue. The boa chat bot provided no help re this issue, but did indicate to me that my funds would be released on XXXX, and gave no reason why {$1000.00} of my deposit had been withheld. Legally, I read that USPS money order deposits are supposed to be released immediately. 
No reason has been given to me for this refusal to release my funds. I have been a loyal bank of america customer for 30 years, so there should not have been any suspicion re my person. I have excellent credit, so that should not have been a reason to refuse to release the funds. Legally, I read that boa is not allowed to withhold deposited USPS money orders, especially since the total deposit was only {$2900.00}, and considering my loyal status as their longstanding banking customer. 

Under Regulation CC ( Expedited Funds Availability Act ), funds from USPS money orders must be made available to you on the next business day after the deposit. This is considered " next-day availability '' and is protected by federal 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 monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NV

Complaint narrative:
Disputed a transaction for XXXX $ on XX/XX/XXXX was told 10 business days, called back for a follow up today is the XXXX still no answer, no reach out no response just left in the XXXX until my next pay day Ive been doing business with you guys for quite some time and I dont believe this matter is being handled fairly I need answers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: CT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 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 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 XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2026-01-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I am disputing inaccurate and unverifiable credit reporting by USAA Federal Savings Bank under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

USAA is reporting closed and charged-off accounts with derogatory remarks, including repossession ; redeemed and profit and loss write-off. These accounts are no longer active, yet continue to be reported in a manner that is misleading and damaging.

Specifically : The account statuses and remarks are inconsistent and unclear.

USAA has not provided documentation showing a continuing legal right to report these derogatory remarks.

The reporting does not reflect maximum possible accuracy as required by FCRA 1681e ( b ).

If USAA can not provide competent evidence of the accuracy and legal basis for continued reporting, the information must be deleted pursuant to FCRA 1681s-2 ( b ).

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 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
I had a wise account opened for travel, they changed policy and I wanted to close my account. They only allow deactivation and account remains hidden and i'm unable to delete data, account, or communication in violation of privacy and other statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX phone number XXXX XXXX-party debt collector today XX/XX/XXXX. I called to inform them that they got the wrong person. I owe nobody no money, but its showing up on my credit. They trying to grab gather up information about me on all my accounts. I have identity death that prevents anybody to use my identity I would like this to be taken off my credit because I see it reporting on my credit history and its causing me problems. I appreciate it for your help. Thank you very much and have a blessed day you can freely call me or email me thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I called on XX/XX/XXXX to state Citizens Bank have an incorrect property decription on the Mortgage I have with them. The mortgage should be on tax parcel XXXX XXXXXXXX which is listed but the general description also includes tax parcel XXXX. The later tax parcel XXXX includes an addition XXXX acres of land separate from the house and that I have a pending sale on a portion of. 

On XX/XX/XXXX I went to a local location and spoke with the branch manager who confirmed the issue was being worked on. I was told a resolution would be done by XXXX/XXXX/XXXX. 

On XX/XX/XXXX I contacted Citizens Bank as I had not heard from anyone in regard to the mortgage issue. The process was restarted. I asked to be emailed the the issue so I could include my attorney in the conversation as we have a pending sale associated with the tax parcel XXXX and my attorney has already resolved the same issue with another lender that holds a second lien on parcel XXXX. 

After several back an forth email conversations Citizens now wishes to file a complaint with XXXX XXXX over the issue, more than 30 days after my original dialog with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.

Complaint narrative:
Remitly permanently deactivated my account and stated they would not provide any explanation or additional insight into the decision. 

I am not requesting reinstatement. I am requesting a basic explanation for the closure so I can understand whether the action was based on an error, identity verification issue, automated screening, or compliance concern. 

As a consumer, I believe I am entitled to a reasoned response, particularly from a regulated money services business. Remitlys refusal to provide any explanation prevents me from correcting potential inaccuracies and raises concerns about transparency and due process. 

I am requesting that Remitly provide a written explanation identifying the general category of reason for permanent deactivation and whether the decision was automated or manually reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Complaint Regarding Service at XXXX XXXX Dear Western Union Customer Service, I am writing to express my disappointment regarding the service I received today at your XXXX  XXXX. I arrived at XXXX to collect money that was supposed to be credited directly to my bank account. However, I was refused service and asked to return tomorrow morning, with the explanation that the bank would be closing soon. This was very frustrating, as the banks closing time is XXXX, and I was well within the operating hours. I kindly request clarification on why I was denied service under these circumstances, as I do not accept this treatment. Additionally, I would like to raise another concern. Customers are consistently asked to provide proof of address, yet your official website clearly states that only the XXXX  number and a valid ID are required. Why is this additional requirement imposed when it is not mentioned in your official guidelines? I look forward to your prompt response and clarification on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Requested a check or wire transfer for overpaid balance which was a result of a vendor credit which i worked with the vendor and solved. Citi has been pushing me around with approvals after approvals and my money is stuck for several weeks creating trauma, failed discussions to escalate via customer service and supervisors several times stating XX/XX/XXXX till date. I have over XXXX stuck without proper response from Citi, i had to move other liquidated funds for expenses, i couldn't submit an offer for a business deal and have lost significant opportunity and created a lot of stress and XXXX to me and my closed ones Citi XXXXXXXX XXXX XXXXXXXX card ending with : 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 monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
Beginning on XX/XX/XXXX, I submitted all required signed documents to Lloyd & McDaniel and repeatedly attempted to obtain confirmation that they were received. Despite multiple emails and calls, I never received any confirmation or acknowledgment from the company. Because they failed to provide the required documents back to me in a timely manner, I had to pay out of pocket for several sameday deliveries to ensure I remained compliant. None of these efforts were ever confirmed by the company. 
Throughout XXXX, I made all required payments online as instructed, but again, I received no confirmation of any payments. Then, on XX/XX/XXXX, the company sent a letterto an old addressstating that XXXX of my XXXX payments did not go through. This put me at risk of default despite the fact that I had made the payment and had received no indication from them that there was an issue. After receiving this notice, I made additional online payments to ensure the account was current, yet I still received no confirmation from Lloyd & McDaniel. 
I attempted to resolve these issues by calling and emailing the company multiple times. My calls were not answered, and when the company performed callbacks, the calls were immediately hung up, giving the appearance that they attempted contact when no real communication occurred. These callback hangups happened repeatedly on XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. 
Despite consistent efforts on my part to resolve these issues and communicate in good faith, Lloyd & McDaniel has failed to provide basic confirmations, accurate notices, required documents, or legitimate communication. Their actions and nonresponsiveness have caused confusion, financial burden, and significant difficulty in managing this account responsibly. I am requesting the CFPBs assistance in obtaining accurate account information, confirmation of all payments, correction of my mailing address, and copies of all required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I paid {$600.00} via Cash App for tax preparation services. The provider passed away before filing my taxes, making completion of the service legally and practically impossible. The provider went ghost, which forced me to onquire about services elsewhere. I am not big on social media, so I dont log on often. It was to my surprise the other day learning that the provider was/had been deceased for awhile. 

Cash App denied my dispute and appeal solely based on a 60-day processing window, ignoring the fact that tax preparation services can extend beyond 60 days and that the providers death eliminated any ability to communicate or perform the service. 

This is a case of non-receipt of services due to impossibility of performance, not delayed delivery. I am requesting that Cash App reconsider the dispute and issue a refund based on the service never being and never being able to be rendered.

Company response to consumer: Closed with explanation