vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: The J. G. Wentworth Company
State: WI

Complaint narrative:
Good morning, JG Wentworth promised to help me in XXXX a XX/XX/XXXX, and I trusted them. It was the biggest mistake of my life. I took out a second mortgage in XX/XX/XXXX to pay off my account with JG Wentworth. They sent a payoff letter to my credit union. My credit union sent them a check. It took them over a month to cash the check but when they finally did cash the check they decided that that was not actually going to pay off my account and now they are stating that I owe them another {$2000.00}. The program is a complete scam and fraud and I need help investigating them. Ive been making payments to them since XX/XX/XXXX. They still have my money, but have decided to not make any payments towards my creditors and are ruining my credit score right now. 
I need legal help with this situation. They have done nothing but lie to me. 
In the course of the past XXXX years, Ive given them over {$8500.00}. This account should have been closed when my bank asked for the payoff ( {$4300.00} ) and sent it to them. 
Thank you in advance for helping me, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: IL

Complaint narrative:
Wrote Discover asking why they marked multiple billing statements as purchases. They have outright refused to credit my account the " purchases '' and continue to bill " purchases. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint against Clarity Debt Resolution regarding their failure to provide the debt resolution services they promised. 
I enrolled in their program and my husband XXXX XXXX to help negotiate and resolve several credit card debts, including accounts with XXXX and XXXX. I made payments as agreed trusting that they would negotiate with my creditors on my behalf. However despite these payments : - I have not receiver ~ny response or update regarding ibank account. which they informed me was in litigationany response or update regarding my XXXX account, which they informed me was in litigation and being handled by their company. I have now received another collection notice for my XXXX credit card account which was also included in the program, showing that no effective neqotiation or resolution was completed Due to this lack of results, broken promises, and poor communication, I have formally canceled all services with Clarity Debt Resolution and revoked any authorization for them to debit my bank account. 
I believe this company has misrepresented its services and failed to act in my best inte causing further financial harm and bunts to go into collections.respectfully request that the CFPB review this matter and assist me ir obtaining a response and accountability from Clarity Debt Resolution Thank you for your time and assistance,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: CA

Complaint narrative:
Company is in clear violation of the Truth in Lending Act/ Reg Z There is no Finance Charge shown on my statements No APR shown The only fee show is {$15.00}. 
amount paid where it goes towards balance and interest. 

My latest statement for billing period XX/XX/year> shows {$5200.00} They rec'vd {$860.00} in payments and my new balance now shows {$4900.00} This reflects that this agency is charging over a $ 10 % per month ie 120 % a year yet has never disclosed this anywhere. I was told originally a 10 % charge but it would be per year not per month. 

They know they are illegal as they dont even show this on their statements how much interest per month is being charged on my statement and how my payment was applied a clear violation of Truth in lending act/reg Z

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I keep applying for an American Express and I keep getting denied. I have excellent credit. I dont understand why they told me to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
During the pandemic, I contracted XXXX and experienced severe hardship, including a serious XXXX episode that affected my ability to work and maintain housing. As a result, this account became delinquent during a documented national emergency period. 

Since that time, I have repeatedly disputed this account with XXXX Equifax, XXXX XXXX, requesting removal due to pandemic-related hardship and inaccuracies. Despite these disputes, the account continues to report as derogatory. 
Additionally, the collection balance has increased over time, even though no clear validation or itemized explanation has been provided. The reporting does not accurately reflect my situation and has caused ongoing harm. 

This negative reporting has directly contributed to my current homelessness and has prevented me from securing stable housing for myself and my children. I have informed the credit bureaus and collectors of my living conditions, but no consideration or resolution has been provided. 

I am requesting that this collection account be removed completely from my credit reports due to hardship, improper and harmful reporting, and failure to fairly address disputes during the XXXX emergency period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: OH

Complaint narrative:
Respected CFPB Please consider this complaint seriously. 
This is not a frivolous complaint. 
Neither this is a repeated complaint. 
The nature of this complaint system is that it allows the responder to close the case at its wish and will, without a reasonable answer way beyond mere the justification. 
I get harassed and when I complain with CFPB, this is being denied or case gets closed. Then after harassment still continues. 
So this complaint is for the new harassment even after the old case closed. 
Case number XXXX was closed stating that this case was repeated complaint of XXXX. 
While the so called earlier case was closed, the harassment was continued then after and was keep repeating then after to this date still. 
So today 's complaint is against the harassment which started after completing case XXXX. 

I am attaching the proofs of continued harassment after the complaint XXXX closed on XX/XX/year>. 
On the next billing period date of XX/XX/year> ; they issued a new fake debt collection on the same account even after it was reported with CFPB. 
I am attaching the photocopy of that paper for proof again. 
I am also attaching the proof again of the payment completed on that account. 

The responder is swiftly getting away from CFPB and keep continues repeating harassment to me months after months, deceiving legal system like CFPB. 

NRA Group LLC is playing games of deceiving legal system like CFPB by keep changing it's employees particularly in this case and using Autonomous Phone Call system to continue their fraudulent activities by harassing me month by month through daily deceptive phone calls. 

I can not take this torcher any more and I feel that I need medical treatment for suicidal tendency if this lastest complaint would again go unresolved. 

Attached file is the copy of bill NRA Group LLC has sent for a new fake collection on same paid account after closing the CFPB. 
Also copy attached of the receipt to paid debt owed of this account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC
State: KS

Complaint narrative:
A debt collector, MRS BPO , LLC, contacted a third party about an alleged debt in my name. A debt I was completely unaware of. The collector previously called my boyfriend 's phone number about this debt, and later sent a text message to the same number. The text message was sent to his phone and disclosed the amount of the alleged debt ( {$71.00} ) and my home address. I did not authorize any third-party contact or disclosure. His name or phone number was not on my account either, so I am not sure how or why they even used his number. 

I have documentation of this invasion of privacy. 

The message was addressed to me but delivered to a third partys phone number, which resulted in disclosure of debt information to someone other than myself. This appears to violate the Fair Debt Collection Practices Act restrictions on third-party communications and disclosure of debt details. I am requesting that this account be closed or withdrawn, the debt eliminated, and that all third-party contact stop immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: AZ

Complaint narrative:
I noticed that the account VANCE & HUFFMAN LLC with the number XXXX is incorrectly showing a rating of Collection or Charge Off on my credit report. You acquired my account from XXXX XXXX XXXX, please provide Chain of Custody proof. You listed it as opened on XXXX and the last activity as XXXX, but this/ dates are wrong. Could you please remove it? 
You also mentioned that it was last verified on XXXX. Under 15 U.S.C. 1681, I have the right to see how you verified this. Please send me that info. And I need proof that I owe {$980.00}, because I dont owe anything. 
Type XXXX Installment Unpaid XXXX XXXX {$980.00} Comments XXXX ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT Date Opened XXXX XXXX Last Activity XXXX XXXX High Balance CERULEAN THE BANK OF MO As seen in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX 1982 ), wrong info needs to be corrected. 
Also, see the image above for VANCE & HUFFMAN LLC ( XXXX ) XXXX ( XXXX ). Ive included additional areas of concern. 
You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law Sincerely Please send your written response to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
My savings account Openbank by Santander Bank, N.A ( # XXXX ) was immediately locked when I attempted to make a withdrawal. I was informed that the account was blocked for my own security and that the review process could take anywhere from XXXX to 90 days. 

During this time, my account remains fully restricted. I am unable to withdraw my funds, transfer money, or close the account. Essentially, I have no access to my own money. 

Customer support is available only by phone. Each representative states that this situation is standard procedure and references page XXXX of the public disclosures. However, no one has been able to provide a specific reason for the account block or a realistic timeline for when the review will be completed. it seems like there has been many similar complaints online regarding a same issue. 

When I request to speak with a XXXX, I am told I will be transferred, but a XXXX is never available. I am then told a XXXX will call me back, which has never happened. After repeated attempts, I finally spoke with a XXXX named XXXX, who refused to disclose his last name. He identified himself as employee number XXXX. 

To date, Openbank by Santander has not provided any justification for the restriction, nor any meaningful updates on the status of the review. As a result, my personal funds are being held indefinitely without explanation. 

I am filing this complaint because Openbank by XXXX is effectively withholding my money without transparency, due process, or reasonable customer support.

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 2025-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
I have a loan serviced by OppLoans through XXXX XXXX. The original loan amount was approximately {$1400.00}. Since XXXX, I have paid approximately {$4000.00} toward this loan, yet the lender states that I still owe over {$1200.00}. 
I noticed that my payoff balance has increased over time despite making regular scheduled payments. I received multiple payoff quotes showing the balance rising week to week due to daily interest accrual. 
Because of this, I requested a written payment ledger that shows how each payment was applied to interest and principal and how the payoff balance was calculated. OppLoans repeatedly refused to provide this information in writing and stated that the information was available in my online portal or in my original contract. 
The online portal only shows payment dates and amounts and does not include an interest or principal breakdown, amortization, or payoff calculation. The contract also does not show how my actual payments have been applied over time. 
I sent a written request to OppLoans compliance department requesting the full written ledger and received no response after more than XXXX business days. Without this documentation, I am unable to verify the accuracy of the balance or understand why the payoff amount continues to increase. 
I am not refusing to pay this loan. I am requesting transparency and proper documentation to verify the balance and resolve the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XX/XX/year>, I received a check claiming to be funds for purchasing equipment to set up a remote office after receiving an offer letter from a company identifying itself as XXXX XXXX. I was instructed to deposit the check using mobile deposit through my banking app. After depositing it, I later learned that the check was fraudulent. I was not aware this was a scam and had no intent to commit fraud ; I am a victim of a job-related check scam occurring in the job market. Following this, my Bank of America account was closed. I contacted Bank of America multiple times requesting an explanation and review but was informed that the closure was permanent and that I could not open a new account. My Bank of America credit card was also closed, despite having no fraudulent activity. I am requesting a formal review, written explanation, and reconsideration since I was a victim of 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 monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Kikoff Inc.
State: CA

Complaint narrative:
I am writing to express my strong dissatisfaction regarding the recent issue with my account, specifically concerning settled payments that have not been accurately reflected. FCRA provides clear guidelines regarding the reporting and handling of consumer credit information, and I expect your immediate compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-12-21 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: NJ

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
My debt was reported to the credit bureaus and my credit score dropped due to debt collection agency IQ Data INT reporting a collection that was paid prior to their attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting you to dispute a credit report entry that I believe is the result of unauthorized activity. I did not consent to any such account, and its presence on my report is both inaccurate and concerning. I request a comprehensive investigation into this matter and the immediate removal of this fraudulent information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: AL

Complaint narrative:
I am disputing a debt being collected by Summit A * R on behalf of XXXX XXXX XXXX XXXX XXXX SAP related to an alleged vehicle damage claim from a rental in Florida. 
XXXX alleged I caused damage to a wheel rim during my rental. When XXXX initially sent links to view the alleged damage, the claim stated the rim was cracked and included XXXX set of photographs. I immediately disputed that allegation. 
Approximately XXXX month later, XXXX followed up with a different allegation, stating the rim was scratched, supported by different photographs. I again denied causing any damage and requested copies of all photographs used to support the claim. XXXX refused to provide copies of the photographs despite repeated requests. 
The car was in visibly worn condition, and XXXX has never provided pre-rental and post-rental inspection photos showing that the alleged damage occurred during my rental period. 
XXXX XXXX * R subsequently sent a collection notice for {$450.00}. I am formally disputing the debt and have requested validation, including time-stamped pre- and post-rental photos, proof the damage occurred during my rental, and proof the repair was actually performed. 
The damage allegations have materially changed ( cracked rim versus scratched rim ), and neither XXXX nor XXXX XXXX * R has provided consistent or substantiated documentation supporting the debt. 
I believe this debt is invalid and that the collector is attempting to collect without proper validation in violation of the Fair Debt Collection Practices Act. I am requesting that this matter be investigated and that collection activity cease unless proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has locked me out of my account due to an internal verification error. I spent over two hours with multiple departments who confirmed my identity and accuracy of information but were unable to restore access. I need immediate access to my financial accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation