vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Your FTC Complaint Draft Phone Number to Report : XXXX Type of Call : Suspicious/Abusive Telemarketing or Debt Collection Complaint Narrative : " On [ Insert Date ], I received a phone call from XXXX. The representative stated they were calling regarding an 'important business matter. ' When I asked the caller to identify themselves, their company, and the nature of the business, they refused to provide any information. Instead, they attempted to pressure me into verifying my identity and my home address. I had also received a silent call from this exact same number the previous day, which leads me to believe this is a coordinated harassment or robocall effort. Because the caller aggressively demanded my personal data while refusing to identify their organization or the purpose of the call, I am reporting this number for suspicious, abusive, and potentially fraudulent practices. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Filing a formal dispute regarding mortgage servicer Carrington Mortgage Services , LLC ( XXXX # XXXX ). On XX/XX/year>, Carrington issued a notice threatening a uniform breach of contract based on an unverified report from the XXXX of XXXX, TN. Be advised that the underlying municipal report is a fraudulent, weaponized act of administrative retaliation against my family, which is currently the subject of active fraud and public corruption investigations opened today, XX/XX/year>, by the Tennessee State Comptroller and the HUD Office of Inspector General. Carrington has been issued a formal Notice of Material Dispute. This filing is to put federal regulators on notice that any adverse escrow or penalty action taken by Carrington based on this fraudulent municipal instrument will constitute a violation of RESPA and CFPB consumer protection mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone opened a fraudulent checking and savings account with my XXXX number. They are not associated with my business or XXXX number and they were able to open the accounts with just a XXXX and no proof of XXXX. I have provided Chase proof this XXXX number is mine. I have been on the phone a dozen times, I have gone into a Chase bank to escalate the issue. Nothing has been done or resolved. These accounts still exist which is an issue for my taxes, as well as the fact that I can not open a business account for my own business because someone is already using my XXXX. Chase said they tried to contact this person and they have not responded to any communication - email, calls, messages, etc. Nevertheless Chase has a responsibility that they have not fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
Got denied due to currently being homeless and my age but can financially do the loan no problem got told the address I gave them was a commercial address which is my case XXXX and the address on my driver 's license and steadily refuse to accept it and even admitted it wasn't the banks it was then personally

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am experiencing repeated and unjustified fraud restrictions on my USAA debit card/account that are severely disrupting my ability to pay for basic necessities, including hotel stays while traveling. On multiple occasions, legitimate transactions have been declined for fraud, forcing me into long calls and transfers with USAA representatives. Last night, a simple transfer to book a hotel took over XXXX minutes because of fraud restrictions. The representative I spoke with stated she did not even see any fraud flags on the account. Today, my card was again declined when attempting to extend my hotel stay. I have now spent over XXXX minutes across multiple calls trying to reach someone in the fraud department while the hotel waits for payment. I received a callback that disconnected immediately after confirming I still needed assistance. Multiple representatives continue transferring me between departments despite my repeated requests to speak directly with fraud from the start. XXXX representative promised a direct transfer with less than a one-minute hold, but the automated system instead announced a XXXX wait time. Another representative refused to transfer me to a supervisor or XXXX. I believe these repeated restrictions and delays are excessive, unreasonable, and possibly retaliatory following a prior complaint I filed against USAA. I have been banking since age XXXX and have never experienced this level of disruption with any financial institution. XXXX representative I spoke to mentioned I have charged off accounts so XXXX not sure if thats also a possible reason for the seemingly retaliatory fraud alerts but I cant see that information on my account and wouldve been more than happy to setup a payment plan for those if previously mentioned. XXXX dealing with a mountain of issues in my personal life and adding banking problems is pushing me closer to the edge. I am requesting : * XXXX review and removal of unnecessary fraud restrictions. * A formal investigation into the repeated service failures and call handling. * Review of call recordings and transfer history. * Direct contact from management regarding resolution of this issue

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 2026-05-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've tried contacting Experian to update information and received no response it's been almost XXXX months

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 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ATM OPS INC
State: NV

Complaint narrative:
On XX/XX/year> at approx XXXX I placed a {$10.00} bill I received as cashback from XXXX of the cashiers at the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX NV XXXX into the Bitstop, ( XXXX ) XXXX, ATM machine located inside the afformentioned location. I attempted to purchase ( XXXX ) XXXX XXXX from this Bitstop XXXX as I had done once before on XX/XX/year> ; except on this specific afformentioned date and time this Bitstop machine took my {$10.00} bill and did not dispense my ( XXXX ) XXXX XXXX! I called Bitstop XXXX number on XX/XX/year> at XXXX and spoke to XXXX with Bitstop to file a complaint! I also spoke directly with this XXXX XXXX XXXX XXXX at approx XXXX on XX/XX/year> to further document my complaint. Later on XX/XX/year> I was contacted via email by XXXX with Bitstop and advised my {$10.00} would be refunded if I created a XXXX wallet and sent him my XXXX wallet address which I did via email on XX/XX/year>. As I have still not received my refund, my emails have continued to Bitstop customer service representitive XXXX and today, XX/XX/year> I called the Bitstop customer service XXXX number again and spoke to XXXX requesting resolution for my {$10.00} taken by the afformentioned Bitstop XXXX. XXXX hung up the phone on me and I am still waiting on my {$10.00} be refunded to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
I am disputing the validity of the alleged {$300.00} owed to XXXX XXXX XXXX. The only amount I was ever required to pay during the application process was a {$75.00} application fee, which I paid. I was never billed for, nor did I agree to, any {$300.00} Administrative Fee. I also never signed a lease, never took possession of a unit, and never moved in. Because no lease agreement exists bearing my signature, no invoice or demand for {$300.00} was ever presented to me, and no opportunity to resolve this matter was given prior to collection, there is no valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
My auto loan company Exeter Finance ( XXXX ) contacted my grandpa ( XXXX ) about my debt ( currently XXXX days late due to financial hardship ) and told him I owed them money and they have tried to reach me many times. I previously had removed my XXXX home number that they had found and spam called previously when I had fallen late in the past a couple years ago but now that I have fallen late again, they have found his cell phone number ( that is connected to his hearing aid ) and spam called it to tell them that they are trying to reach me to collect a debt. I had spoke to them XXXX month ago when I made a XXXX month payment and let them know I was experiencing financial hardship and to please bare with me as I am trying. They took note but are still harassing me multiple times a day and my grandpa who is XXXX XXXX XXXX. I have called them again today and asked them to confirm what numbers were on my account for contact, they confirmed they only had my cell phone but they had sourced out my grandpa 's cell phone for some reason and called him and released information that shouldn't have been released. They have also contacted my employer XXXXXXXX XXXX XXXX ( XXXX ) in the past as well. Them releasing information that I am late on my car payment ( which isn't anyone 's business but my own ) and them spamming my elderly family is highly inappropriate. We recently lost my grandma to XXXX and my grandpa doesn't need to worry about me and my struggles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my bank account that my bank has refused to properly investigate or reverse. I disputed several transactions after discovering activity that I did not authorize. The bank denied my dispute on the basis that the transactions were made using my mobile device. However, use of my mobile device does not constitute authorization, and I did not approve or initiate these transactions. I formally appealed the decision and requested a thorough investigation, the bank has not responded to any correspondence from me. I have sent them numerous emails as well has mailed them the appeal information stating I DID NOT AUTHORIZE THE TRANSACTIONS. Under the Electronic Fund Transfer Act ( Regulation E ), consumers are protected from liability for unauthorized electronic fund transfers. The bank appears to have relied solely on the fact that a registered device was used, rather than proving that I personally authorized the charges. I am requesting : 1. A full reinvestigation of the disputed transactions 2. Reversal/refund of the unauthorized charges 3. Written documentation explaining the basis for the denial 4. Confirmation that my account will not be recharged for these transactions without proper evidence of authorization I have acted promptly in reporting the issue and have cooperated fully throughout the dispute process. Thank you for your assistance in resolving this matter.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent Acquisitions LLC has been assigned a credit card account from XXXX XXXX XXXX XXXX with a {$0.00} balance. The account in question, an XXXX XXXX, was voluntarily closed by me on XX/XX/XXXX at a {$0.00} balance with a perfect payment history. I have a closure confirmation email from XXXX XXXX dated that same day confirming this. XXXX XXXX incorrectly classified this account as charged off in their internal system following my XXXX XXXX bankruptcy filing, which occurred approximately six months after the account was already closed and paid in full. My XXXX credit report correctly shows the account as closed at consumer 's request with 100 % on-time payments and a {$0.00} balance. I filed a CFPB complaint against XXXX XXXX on XX/XX/XXXX ( complaint XXXX ). XXXX XXXXXXXX XXXX response was solely to redirect to Resurgent, without addressing the underlying error. I called Resurgent directly and was told they could not help because XXXX XXXX transferred the account to them as charged off. There is no debt owed. This account should never have been transferred to collections. I am requesting that Resurgent return this account to XXXX XXXX and that the charge-off classification be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding unfair overdraft fees charged to my account. I had previously requested that overdraft coverage/service be turned off on my account because I did not want transactions approved if there were insufficient funds. Despite this request, Wells Fargo still charged overdraft fees to my account. I believe these fees were improper because the overdraft service had already been XXXX. I was also not clearly informed that fees could still be charged after opting out. I am requesting : * A full refund of all overdraft fees charged * A review of my account settings and overdraft preferences * Written confirmation that overdraft coverage is XXXX on my account I would appreciate a prompt investigation and resolution of this matter. Thank you.

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 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
am submitting this complaint regarding the reporting of XXXX late payments on my Affirm account. I recently discovered that the bank account linked to my automatic payments was incorrect, which caused my payments to fail without my awareness. I did not intentionally avoid payment and was unaware that the incorrect banking information remained connected to the account. Once I became aware of the issue, I immediately updated the payment information and addressed the balance. I have since attempted to work directly with Affirm customer service multiple times to explain the situation and request a goodwill adjustment or review of the late payment reporting. Unfortunately, I have been repeatedly told that nothing can be done, without meaningful review of the circumstances. I understand the importance of accurate credit reporting, but I am requesting that Affirm conduct a fair review of this situation given that : the missed payments were related to incorrect linked banking information, the delinquency was not intentional, I corrected the issue as soon as I became aware of it, and I made efforts to resolve the matter directly with the company first. These late payment marks have significantly impacted my credit and financial standing. I am respectfully requesting that Affirm reconsider the reporting of these late payments as a goodwill adjustment based on the circumstances described above. Thank you for your time and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: PA

Complaint narrative:
My mortgage servicer, Valon Mortgage XXXX XXXX ( Loan # XXXX ), is in violation of RESPA guidelines regarding the mismanagement of my escrow account and failure to properly respond to a Qualified Written Request ( QWR ) / Notice of Error under 12 C.F.R. 1024.35. In XXXX, I legally converted my primary residence to a rental property, which Valon confirmed in writing. As a result, the XXXX of XXXX correctly removed my homestead exemption. Valon subsequently failed to properly manage the escrow disbursements for the corrected tax bills, resulting in {$580.00} in accumulated interest, penalties, and late charges. Valon unlawfully disbursed these penalty fees directly from my escrow account. I sent a QWR on XX/XX/XXXX, and an Escalated QWR on XX/XX/XXXX via electronic mail. In my XX/XX/XXXX XXXX, I explicitly requested a detailed ledger showing the exact dates Valon received the original and corrected tax bills from the city, and the exact dates Valon disbursed payments. I requested this to definitively trace the timeline of their late payments. In their final response, Valon flatly refused to refund the {$580.00} to my escrow account and completely ignored my request for the payment ledger, failing to provide the requested information required under RESPA. They are attempting to blame the XXXX of XXXX 's backdated billing, but refuse to provide the receipt and disbursement dates that would prove Valon did not delay payment of the supplemental bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a mortgage with Fifth Third Bank ( 53 ). In order to set up autopay I had to use a 53 checking account, which I set up. I was told that 53 recently went through a system change for mortgages, which resulted in my XXXX payment being missed. I was contacted about this in late XXXX, at which point I was informed no fees would be applied. I authorized the payment to be made from the account on file, my 53 checking account. I received no further communication until XX/XX/year> when a representative called me to say I had a late payment. This representative said there " was an issue with account information '' on that manual XXXX payment. I proceeded to once again verbally make a payment, and verified account details. When I looked at my online statement I saw that I was charged an NSF fee for that manual XXXX payment. I contacted 53 to ask about this, because at all points in time I had more than the mortgage payment amount available. I was told there was nothing anyone could do about it. I was unfairly charged a fee for something that was not my fault. I have proof that funds were available and yet was not given any options to waive the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

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