vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
I received a letter from my apartments on XX/XX/XXXX stating I owed {$570.00} to IQ XXXX. 
I received multiple letter from them stating I owed {$640.00}, I tried to call them and they were only rude. 
I have disputed it on my credit score and they say the amount is correct when I have the original info. I disputed on XX/XX/XXXX and it was denied, XX/XX/XXXX and denied. 
Today I made a {$60.00} but all I want is for it to get off my credit score and not have to pay that amount because I can not afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: SD

Complaint narrative:
A collection account is being reported based on a contract that was fraudulently induced and lawfully rescinded within 24 hours. The original merchant misrepresented material facts regarding membership benefits, a pattern documented by extensive consumer complaints.

Despite timely cancellation, the account was financed and placed into collections. The furnisher has failed to validate enforceability under the Fair Credit Reporting Act.

I am requesting deletion of the collection and cessation of all reporting.

Over 200 complaints in 3 years on XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
this is the same problem i had last year. i am required to have flood insurance as i live in a flood zone. i am required to have insurance for the replacement cost of the home not the loan balance on the mortgage. i have confirmed with my insurance company and they told me that they can not legally force me to pay for more insurance. however, i have received letters and information from Rocket Mortgage that i am required to have a minimum of {$250000.00} of flood insurance by XXXX. they have purchased a policy to cover the gap and will force me to pay for the additional amount. I have reached out to a lawyer and will go after them. Also, last year they forced me to purchase more that my replacement cost of the home and i complied rather than put myself in a worse situation after this was error was corrected and i would like that money refunded back to me. the policy ends XX/XX/year>. i have paid for {$160000.00} worth of insurance and i only required {$130000.00} which is the replacement value of the home. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
XXXX ACH payments were initiated from my KeyBank checking account to XXXX XXXX credit cards. XXXX XXXX subsequently returned both payments, which is clearly documented in Capital Ones transaction history as Returned Mobile ACH Payment entries that reference the original payments and confirm the funds were never settled. 
Despite this documentation, KeyBank failed to reverse the returned XXXX debits, treated the transactions as customer spending, and assessed overdraft fees on funds that were never owed. These improper fees caused the balance to increase from approximately {$250.00} to approximately {$290.00}. 
KeyBank later pulled funds from another account to offset the unreconciled balance, assessed additional fees, closed the account, and ultimately charged off the account without correcting the ledger. 
I am requesting a formal XXXX trace, full ledger correction, reimbursement of all returned XXXX amounts and overdraft fees assessed in error, correction of account records, and written confirmation of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and unverifiable credit reporting and improper debt collection practices by XXXX account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have exercised my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by disputing this account with the consumer reporting agencies. Despite my dispute, the furnisher continues to report this account without conducting a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ).

Additionally, I requested validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The response provided, if any, did not constitute proper validation and failed to establish legal ownership, accuracy, or authority to collect the alleged debt. Continued reporting and collection under these circumstances violates 15 U.S.C. 1692e and 1692f, which prohibit false, misleading, and unfair practices.

The continued furnishing of inaccurate or unverifiable information also violates 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of information known or should be known to be inaccurate.

I am requesting that the CFPB investigate this matter and require the furnisher to : Cease inaccurate reporting Correct or delete the account from all consumer reporting agencies Comply fully with all applicable federal consumer protection laws Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
So we bought furnitures from XXXX XXXX XXXX and the sales man told us you got the promotion for XXXX months so we agreed to buy the furniture and then I setup the Auto payment so I dont forget about the payments, and then I found out they charge me {$320.00} instead of {$200.00} without my permission when I checked I found my promotion ended and it was XXXX months only. I had to pay the rest of my balance so they can give XXXX time courtesy adjustment and they said no, I keep asking them to please help me out this wasnt my mistake, they keep blaming me that all the information I can find it online, I dont check online and I have XXXX kids plus work plus home I dont have time, all I was care about to just make my payments on time, I wonder they dont have Mercy!!! I kept asking and begging them to waived the fee for me they was so rude and everything I asked they answered that it was my fault and no no we cant do anything. Im so sad and please I need your help.

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 2026-01-21 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:
I am filing this complaint to notify Chase that I have initiated federal litigation regarding their failure to properly close my late mothers estate account. Despite providing all required estate documentsincluding Letters of Administration, death certificate, identification, and the full estate packetChase repeatedly delayed processing, provided contradictory instructions, and failed to close the account. I have now filed a federal lawsuit in the XXXX XXXX XXXX for the XXXX XXXX XXXX California. I am attaching my federal Complaint, Civil Cover Sheet ( XXXX ), XXXX, and Notice of Interested Parties ( XXXX ). This filing serves as formal notice of the pending federal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX call from BOA regarding fraudulent act in our accts. They would have to freeze all our accts. We went to local BOA branch where all new accts were opened. 
XXXX call supposedly from BOA which wasnt but we didnt know at the time. Called BOA later that day to find out they were not valid calls from BOA. Found out that there had been XXXX transactions out of our new savings acct which totaled {$14000.00} - XXXX transactions out of same BOA branch in XXXXXXXX XXXX that day with XXXX additional W/D also in XXXX branches XXXX We are in XXXXXXXX XXXX. All transactions were $ XXXX. 
XXXX Went back to local BOA branch where they closed the new savings acct and opened another new savings. We were assured our issue would be reviewed immediately our acct would be credited ASAP. 
We have gone into another local branch and called almost daily and are told our credit to the acct will be today, or tomorrow or as soon as it is reviewed to no avail.

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 2026-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I leased /purchased a car put XXXX down on it that was XXXX after it was sent to credit acceptance the amount went to XXXX. ( XXXX XXXX ) I forgot what year. The car broke down within 3 months. I couldnt drive it so I stop paying the note. They came and go it. Yet Credit acceptance still sued me and have taking so much money from me since XXXX! Every year from XXXX they have been garnishing my state tax refund. I still owe a balance of XXXX Everyday the balance goes up. I just want whats owed to me. I was young when I bought that car. They definitely took advantage.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
Previously just closed a trade line with this company. Ive explained I was a victim of identity theft during XXXX pandemic. The debt is almost {$17000.00}. If proof that this debt is legitimately mine can be provided, please delete from ALL 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
CFPB Complaint Summary ( Venmo ) Case XXXX Date : XX/XX/year> Account : Personal Venmo account established for multiple years, prior XXXX and payment activity Amount : {$5000.00} XXXX received {$5000.00} from a family member into my long-standing Venmo account. Within XXXX minutes, I attempted to use Venmos XXXX XXXX ( PayPal USD / PYUSD ) to send funds to my other wallet to finalize a corporate contract. Venmo blocked the transfer. I immediately reversed/returned the PYUSD inside Venmo to restore my USD balance.

Despite the reversal occurring within minutes and all activity occurring within my own established account, Venmo did not return my {$5000.00} and placed the funds under an automated review/hold. Venmo told me I will not have access to my money for up to five ( 5 ) days.

I requested the exact policy and specific reason for the hold five times. Venmo customer service refused or failed to provide the policy verbatim and stated the decision is automated with no human escalation available. This hold directly disrupted my companys ability to complete a time-sensitive contractual obligation.

Requested resolution : immediate release of the {$5000.00}, plus written disclosure of ( 1 ) the exact reason for the hold, ( 2 ) the exact policy language applied, and ( 3 ) the review timeline and escalation/appeal path. 

note : The transactions was going to be redone and debit into XXXX and paid out of my XXXX to my corporate partners. VENMO did not let me send it initially. XXXX moved on Venmo in the week prior no issue. Then took the XXXX stable swap for USD away from me. 

reps lied about the resolution. XXXX of the reps cata cut the chat off early and signed it with a SMILE face. extremely disrespectful and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding Wells Fargo Bank, N.A.s denial of my unauthorized electronic fund transfer claim under Regulation E. 

Between XXXX XXXX XXXX XXXX unauthorized card-not-present transactions totaling {$19000.00} were processed using my Wells Fargo debit card ending in XXXX through XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX ; Case # XXXX ). I did not authorize, initiate, or benefit from these transactions. 

At the time of the unauthorized activity, my computer was infected with malware capable of credential compromise. This malware exposure enabled a third party to gain unauthorized access to my online banking credentials and account information. I did not knowingly share my credentials with any third party.

Wells Fargos own investigation materials indicate that my phone number on file was changed without my authorization and later changed back. Any text message or one-time passcode verification sent during this period was compromised and did not reach me. Any transactions marked as verified during this compromised period are therefore invalid and consistent with account takeover. 

On XX/XX/year>, Wells Fargo sent a fraud-alert text asking whether I recognized a {$300.00} XXXX XXXX XXXX transaction. I attempted to deny the transaction by replying N and then No, as instructed. Wells Fargos system rejected both responses as Invalid command. I never authorized the transaction.

Despite evidence of account takeover, compromised authentication, non-authenticated card-not-present transactions, and a failed fraud-alert denial, Wells Fargo denied my claim and did not provide provisional credit. This is inconsistent with Regulation E requirements under 12 CFR 1005.11.

I am requesting that the CFPB require Wells Fargo to reopen and properly investigate this claim as unauthorized electronic fund transfers, provide supporting documentation relied upon in its determination, and issue appropriate credit for the unauthorized transactions.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
loanDepot reported my mortgage as 30 days late for XX/XX/XXXX. 
The delinquency was related to the XX/XX/XXXX payment, which was paid on XX/XX/XXXX, curing the account. However, loanDepot reported XX/XX/XXXX as 30 days late rather than properly attributing the delinquency to XXXX and reflecting XXXX as current once payment was made. Also XXXX payment was also made I provided proof of payment and requested that loanDepot correct the reporting to reflect the proper delinquency period and account status. loanDepot acknowledged the payment timing but refused to correct the reporting, stating that the reporting was accurate without addressing the incorrect reporting month or account status after cure. 
Reporting XXXX as late misrepresents the accounts status and payment history. I am requesting that loanDepot correct the credit reporting to accurately reflect the proper delinquency month and update all credit bureaus accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: GA

Complaint narrative:
I did not approve or authorize the creation of these accounts and am not affiliated with them. Im requesting a review and removal of the accounts after verification. Supporting materials are attached.

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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: ID

Complaint narrative:
I disputed a credit card collection account reported by Cavalry Portfolio Services and asked for verification under federal law. I also submitted dispute notices to the major credit reporting agencies ( XXXX XXXX XXXX ), and the accounts were marked as disputed. 

Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of an alleged debt, and the collector must cease collection activity until it provides verification. Cavalry failed to provide evidence that it owns the debt, a complete chain of assignment, or documentation establishing I owe the debt, and its response did not meaningfully address my verification request. 

Additionally, the furnisher obligation under the Fair Credit Reporting Act ( FCRA ) requires that disputing consumers accounts be investigated and reported accurately ; because Cavalry has not verified the debt, its continued furnishing of this information is inaccurate. 

Despite these failures, Cavalry has continued collection attempts and/or credit reporting. This conduct appears inconsistent with federal law and is the reason for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
Lender : Lennar Mortgage Product : Residential Mortgage Issue Category : Applying for a mortgage Loan estimate / disclosures Complaint Summary I am filing a complaint regarding material loan term changes, inaccurate income calculation, and inconsistent underwriting by Lennar Mortgage. Loan disclosures were issued that do not reflect the terms I applied for or agreed to, and underwriting assumptions directly contradict written loan approval conditions. 

Key Facts I applied for a mortgage with Lennar Mortgage on XX/XX/XXXX under terms that required the sale of my current home to qualify. I also sent my earnest deposit of {$5000.00} on XX/XX/XXXX The original Conditions Addendum, specifically Condition # 2, requires : A signed and dated settlement statement from the sale of my current home, and Proof of minimum net proceeds of {$88000.00}. 
Under these original terms, without the sale proceeds, I would not have sufficient funds to close and would not be approved. 

Issues Material Loan Changes Without Consent Lennar Mortgage issued revised loan disclosures reflecting a 95 % LTV / 5 % down payment structure and increased loan amount without my knowledge or consent on XX/XX/XXXX, despite the existing condition requiring sale proceeds. Original loan disclosure reflected 85 % LTV / 15 % down payment structure from XX/XX/XXXX Contradictory Underwriting The revised disclosures underwrite the loan as if the sale-of-home condition does not apply, which directly conflicts with the written loan conditions I agreed to. 
Improper Income Calculation The lender calculated my income by averaging six weeks of paychecks from XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to project monthly income. This averaging period was not disclosed or agreed to and does not accurately reflect stable qualifying income. 
DTI Misrepresentation Based on this income methodology, the lender reports a 49.8 % DTI. I have requested the income figure and calculation used to support this DTI, but the disclosures provided do not clearly substantiate it. 
Pressure Toward Unauthorized Loan Structures The lender has suggested alternative loan options assuming I can qualify while carrying both homes, despite the original approval being expressly conditioned on selling my current home. 

Consumer Harm Receipt of loan disclosures that do not reflect agreed-upon terms Exposure to financial risk and potential loss of earnest money Pressure to proceed with loan structures I did not authorize and do not qualify for under accurate income calculations

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 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am formally disputing the default status of my student loans serviced by Nelnet. Nelnet failed to provide any notice that my loans had been transferred to their servicing platform, nor did they send any subsequent billing statements, past-due notices, or warnings of potential default. I received XXXX forms of communicationvia mail, email, or phoneuntil after the account had already defaulted. Because I was never notified of the transfer of ownership or the commencement of repayment, I was denied the opportunity to manage the debt, apply for deferment/forbearance, or make timely payments.

Company response to consumer: Closed with explanation