vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: CA

Complaint narrative:
RE : Dispute of Charged-Off Accounts To Whom It May Concern : I am disputing the following accounts reporting on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$730.00} These accounts are inaccurate and/or incomplete. Under FCRA XXXX, I request reinvestigation and demand : XXXX signed agreements Full payment history Proof of ownership/assignment if applicable XXXX of date of first delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : 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 2026-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
There was two reoccurring charges on my account two of them in different amounts. One is from the XXXX at in the amount of {$10.00}. Another is from XXXX XXXX for {$42.00} even I called into my bank last month which is the month of XXXX, and I reported the amounts. The one for the XXXX app has already came out of one of my account, which is chime the other for the {$42.00} XXXX XXXX is supposed to come off my Wells Fargo checking account but they took it from my business account and they took it in the wrong amount. I called my bank and I reported this information last month. They were supposed to put a stop payment. They never did so now today I have the new charges on my account this morning in the same amount, my bank explained to me that theyre not going to stop the payments even though I called and filed a claim I would like to file a complaint against my bank and Im going to proceed with not banking with them anymore. The overdraft amount currently is almost {$60.00} even I just spoke with my bank. I spoke to a claim representative and I recorded the conversation and I will have this for my records.

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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, a payment in the amount of {$3000.00} was received by Capital One to satisfy the full balance of my XXXX credit card account. The nature of this dispute is that the payment was made from my partners external account, and I, am not listed as an owner on that account. As a result, Capital One has labeled my account as restricted. As of XX/XX/XXXX, I have made more than XXXX phone calls to Capital Ones Fraud Department in an effort to resolve this matter. During these communications, I was instructed to provide supplemental documentation, including bank statements, voided checks, deposit slips, or account summaries. The funds originated from an XXXX XXXX XXXX Savings Account. This account does not issue voided checks, deposit slips, or traditional account summaries. I have confirmed this directly with XXXX XXXX XXXX XXXX on four separate occasions. I submitted bank statements covering the periods of XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX. However, Capital One declined to accept these statements because they do not display the full account number. XXXX XXXX has confirmed that full account numbers are never displayed on their statements. Despite my repeated attempts to provide the requested documentation and clarify the source of funds, Capital One has refused to refund the {$3000.00} to the originating account and has advised that my restricted account will be closed after 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2026-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: MN

Complaint narrative:
I demand a complete accounting of this collection debt purchase. As a debt collection agency that is also a debt purchaser, your company must fulfill the following criteria : You must show proof of assignment from the debt procurer the rights to pursue collections as mandated by FTC XXXX XXXXXXXX XXXX XXXX XXXX ), and the bylaws of the Fair Debt Collection Practices Act. You must show proof of bonding as stipulated in the state of Minnesota. You must be licensed with the XXXX XXXX XXXX XXXX as a debt buyer, along with federally bonding. You must show a Bill of Sale on any debt purchase of any individual debt. ACCORDINGLY, SINCE YOUR COMPANY HAS NOT FULFILLED THESE REQUIREMENTS THE COLLECTION MUST BE DELETED AND THE NEGATIVE TRADELINE BE DELETED AND MY ACCOUNT INFORMATION MUST BE PURGED PERMANENTLY!!! DELETE THIS COLLECTION PERMANENTLY!!!

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 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.

Complaint narrative:
My XXXX and I had a joint mortgage with Chase. This was redeemed in full on completion of the house sale on XX/XX/year>. There is an escrow balance outstanding of {$1600.00}. Over the following XXXX months I attempted to get the XXXX % owing to me from Chase. I signed documents and followed the procedure they stated including sharing the court agreed settlement agreement. They say they can not distribute any funds until they get instructions from my XXXXXXXX. My XXXX refuses to communicate with them even though she lives in a house on which she has a mortgage with them. They continue to write to my address in the XXXX in joint names. I have explained that this is NOT a correspondence address for her and that I can not force her to communicate with them. To this day, XXXX months on, they refuse to repay my half of the escrow balance yet they have issued an Annual Tax and Interest statement showing that this has been repaid and the balance is XXXX. IN fact the statement shows the escrow balance as {$1900.00} To all intents and purposes, they have stolen my share ( XXXX % ) of this money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: OK

Complaint narrative:
I entered into a XXXX-month Trial Payment Plan with U.S. Bank in connection with a loan modification review. I successfully made all three required trial payments as follows : XXXX trial payment paid on XX/XX/XXXX through the U.S. Bank app and applied to the XXXX installment. XXXX trial payment paid on XX/XX/XXXX. XXXX trial payment paid on XX/XX/XXXX. All payments were made in the correct amount, cleared my bank, and were applied to my mortgage account in U.S. Banks online portal. After completing the trial plan, I was informed that final modification documents were being prepared and would be sent to me. However, I subsequently received a written denial letter stating the reason was Missed Trial Payment. This is incorrect. No trial payment was missed. The XXXX payment was paid early and applied to my account. The XXXX and XXXX payments were paid on the first day of the month due. U.S. Bank accepted and retained all funds. Their online system showed the payments as applied. I believe this denial is the result of a servicing error or misapplication of payments. I am requesting : XXXX. Immediate correction of the alleged servicing error. XXXX. Reinstatement of my approved loan modification. XXXX. Written explanation of how each trial payment was applied. XXXX. Confirmation that no foreclosure action will proceed while this error is under review. After receiving the denial, my online mortgage account was placed in read-only status and I no longer have access to my full payment history. Prior to this restriction, the trial payments showed as applied in the portal. I still have email confirmation stating that my trial plan was successfully completed and that final modification documents were being prepared. I am concerned that my payment history is being misrepresented or improperly reversed.

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I received a call from a scammer claiming to be Wells Fargo XXXX department and they told me I had a transaction for XXXX dollars pending on XXXX. So I told them I would like to deny it so they told me to go to XXXX and send the XXXX to a debit card which they said was mine because they cancelled my old one. The card was linked to my bank account so I trusted it. They sent me some verification codes to use which I did and when it sent through the money was gone from my account. They locked me out my account as well

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 2026-02-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX To Whom It May Concern, This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, in response to your reporting of the above-referenced account. I dispute this debt in its entirety and request full validation. Pursuant to 15 U.S.C. 1692g ( b ), you must cease all collection activity, including reporting to any consumer reporting agencies, until you provide proper validation of this alleged debt. Please provide the following : The amount of the alleged debt, including an itemized breakdown of interest, fees, and charges. The name and address of the original creditor. A copy of the original signed contract or agreement bearing my signature. Documentation showing you have legal standing and authority to collect this debt ( including assignment or purchase agreement ). Proof that the statute of limitations has not expired. A complete payment history from inception. If you can not provide the requested validation, you must immediately : Cease all collection activity. Delete any reporting of this account from all consumer reporting agencies. Provide written confirmation of deletion. Be advised that reporting unverified debt to credit reporting agencies may constitute a violation of the FDCPA and the Fair Credit Reporting Act. I prefer communication in writing only. Do not contact me by telephone. This is not a refusal to pay but a notice that your claim is disputed and validation is requested. I expect your response within the timeframe required by federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management , Inc . XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This correspondence is sent pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute the validity of the above-referenced account in its entirety and request full debt validation. This letter serves as formal notice that I am exercising my right to request verification of this alleged debt. Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity, including reporting this account to any consumer reporting agency, until you provide proper validation. Please provide the following : The exact amount of the alleged debt, including a complete itemization of interest, fees, and charges. The name and address of the original creditor. A copy of the original signed contract or agreement bearing my signature. Documentation showing your legal authority to collect this debt, including proof of assignment or purchase. A complete payment history from the original creditor to present. Proof that the statute of limitations has not expired. If you are unable to provide the requested documentation, you must : Immediately cease collection efforts. Remove and delete any reporting of this account from all consumer reporting agencies. Provide written confirmation of deletion. Be advised that continued collection or credit reporting of an unverified debt may constitute violations of the FDCPA and the Fair Credit Reporting Act. I request all communication regarding this matter be conducted in writing only. Do not contact me by telephone. This letter is not a refusal to pay, but a formal dispute and request for validation. I expect your response within the timeframe required by federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Sunbit, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Sunbit regarding my recent loan application experience. Sunbit initially approved me for a loan and requested that I submit additional documentation to complete the process. They specifically asked for highly sensitive personal information, including : A copy of my Social Security card A copy of my government-issued ID Bank statements Utility bills I provided all requested documents in good faith, believing my loan had already been approved pending verification. After submitting this sensitive information, Sunbit later denied my loan without providing a clear explanation. I am extremely concerned about the following : XXXX. Why I was approved and then denied after submitting extensive personal documentation. XXXX. The collection and retention of my sensitive personal information after the denial. XXXX. Whether my information is being securely stored, shared, or used for any other purposes. I am requesting that Sunbit : Provide a written explanation for the denial after initial approval. Confirm in writing how my personal information is stored and protected. Confirm whether my documents have been deleted and are no longer retained in their system. This situation has caused significant distress, particularly given the sensitive nature of the documents requested. I am requesting that the CFPB investigate this matter and ensure that proper lending and data protection practices are being followed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am writing to formally address my complaint regarding XXXX 's handling of my RESPA request submitted on XX/XX/XXXX. Upon submitting my request, I received confirmation that XXXX acknowledged receipt of my inquiry on XX/XX/XXXX, and indicated that they were working on the situation. However, in their subsequent response, they claimed they never received my RESPA request. This contradiction raises concerns about their communication and record-keeping practices. Furthermore, in their response, they made unfounded statements suggesting that I expressed a desire to refinance my mortgage. I want to clarify that I never requested any refinancing information. My sole intention was to obtain details regarding a specific payment of {$290000.00} that was sent to XXXX XXXX the indenture trustee, at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and the Full disclosure of RESPA, not XXXX. Instead of providing the requested information regarding the payment, PennyMac chose to deflect and discuss matters that do not pertain to my original inquiry. This response has left me without the essential information to which I am entitled under the Real Estate Settlement Procedures Act ( RESPA ). I want to emphasize that PennyMac is fully aware of the correct address, and their misleading responses appear to be a stalling tactic rather than a genuine effort to resolve my inquiry. Additionally, I would like to note that I have maintained all mailing correspondence with PennyMac regarding this matter, including the Certified notice sent from PennyMac. I will use these documentations as needed to pursue legal action for their misleading conduct, failure to disclose important information, and failure to act in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have been making monthly payments for over the past XXXX years and only {$100.00} came off of the balance of the debt that was occurred in XX/XX/year>. I make a monthly payment of {$54.00} on time, with XXXX time the money order was lost in the mail and they sent me a letter to threatening to take me back to court. Today myself and my wife had called midland credit management to request an agreement to pay to delete, and they refused and said that I had to pay off the entire amount, and that this debt is not qualified for a pay to delete. I have expressed to them several times over the years when they called to increase the amount of the payment, that I am on a set monthly income and I can not afford it. I am XXXX and I have XXXX XXXX every month because of my XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a debt collection agencys handling of my account and what I believe to be a misrepresentation of payment terms. On XX/XX/year>, I spoke with a representative of the company regarding my account. During that conversation, I was specifically informed that if I paid a lesser amount than the full balance, the account would not be closed. Based on that representation, I agreed to make the payment. I relied on the representatives statement when making my decision. After I made the agreed-upon payment on XX/XX/year>, the account was subsequently reported as closed/paid. This was directly contrary to what I was told prior to making the payment. I did not agree to a settlement that would close the account, nor was I informed that the payment would result in the account being closed. I believe the company misrepresented the terms of the payment arrangement in order to induce payment. I have a recording of the telephone conversation confirming what was stated to me. I am requesting that this matter be reviewed and that the company be required to correct any inaccurate reporting and provide written clarification of the account status consistent with the representations made to me at the time of payment. Thank you for your assistance in this matter. Sincerely, 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