vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: LA

Complaint narrative:
Hello, I need assistance with understanding options under the VA Home Loan Reform Act, passed last year. My home in XXXX XXXX went under forbearance during the XXXX shutdown because of lost revenue I had during that time. I was told at the time that missed payments would be consolidated to the end of the loan and I would restart payments at some point under my original terms. However, my lender never gave me these options and instead multiple times offered me terms that were much more expensive. I did get told there was a VA program, XXXX, that would assist and that they would apply for this program for me. However, again, over multiple years, they failed to put me under this program. Then the program expired in XXXX of XXXX XXXX at the President 's direction. Congress then passed the VA Home Loan Reform Act, whose terms would save my home and again allow me to pay back the loan at the original terms. But its implementation has been delayed many times and I just heard it's still in the public comment phase, with mortgage industry leaders asking VA to delay it again by XXXX months! My lender is currently pushing hard for foreclosure, and I don't think VA will have the program up in time for me to benefit from it, despite it being current law. I am seeking any help you could possibly give me with my mortgage provider or a way to know when VA will be able to offer the partial claim program under the new law so I can keep my house. My mortgage servicer has not operated in a competent way or in good faith for much of this time, and I really need to be able to take advantage of this VA program that they prevented me from accessing in the past. I also have an outstanding loan for an HVAC unit that I installed at the property. I took out this loan and made that repair in reliance on being able to modify my mortgage under the terms that XXXX promised - going back to my original terms through a VA refinance. If I end up having to do a short sale or a deed-in-lieu, I will still owe this loan for the HVAC system that will be a significant burden on my monthly finances. The home currently is barely worth more than the payoff amount that XXXX is seeking. Thank you, 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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: MO

Complaint narrative:
I requested that a block / stop payment be put on my account Monday, which I was told is the only way to stop a payment per instructions given by the bank. The representative told me that it was done and that all future transactions were blocked or they would be reversed. Well I wake up on Thursday to see that {$200.00} has been taken from my account after the representative told me in writing that it was blocked. And after reaching out to my bank again I was told accidentally by another representative that they didnt put a block and that they were now going to but its to late the money is gone and now theyre refusing to take responsibility and now Im out of {$200.00} because they didnt do there job.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from Wells Fargo that my checking account was overdrawn. I should have had around {$900.00} in my account. I paid all of my bills on XXXX and was scheduled to get paid on XX/XX/XXXX. There was a bill pay showing up for {$2100.00} to XXXX XXXX Card Services, XXXX card online. This is 100 % fraud. There is no bill pay on my account to XXXX XXXX, I don't have or know anyone with a XXXX XXXX account. I went to Wells Fargo and went through all the required steps. Closed my account, reported the fraud, etc. I assumed I would have my money back within days. I received a letter from Wells Fargo denying my claim because " Our research shows the disputed activity was made through a secure online banking session by you or someone who had your authority, and we were unable to identify any indicators of fraudulent activity. This is incorrect. No one has my account password. Not even my wife. I called them on XX/XX/XXXX at XXXX XXXX and spoke to XXXX. She said the bill pay was made from my mobile device. I never pay bills from my phone. It's always at my computer and 95 % or the time is from my office.

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I received a credit card from XXXX and when I went to make my first payment I had no account information and no numbers on my card to put in. When I would try to lookup account information on my own so I could pay since I was not receiving any aid on the matter my account could not be found and I could never verify my account even since I didn't have all the credit card information. I called and got no response I emailed and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: MOHELA
State: OH

Complaint narrative:
I have been in repayment for my loan. I noticed that several payments that I've made through Mohela are not showing up on the history provided by Federal Student Aid ( FSA ). Specifically, 8 months of repayment ( XXXX XXXX XXXX XXXX XXXX XXXX ) are not showing up and this has prevented me from successfully applying for XXXX. When I raised the issue with FSA, they said that MOHELA had not reported those months of payment and asked me to raise the issue with MOHELA. When I discussed it with MOHELA, they had not responded to the request to send it to FSA. I've been in a holding pattern with this for 6 months.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
} I had a XXXX account that was sent to collections. On XX/XX/year>, I made a payment of {$230.00} through XXXX XXXX XXXX to settle this account. I contacted XXXX XXXX XXXX, and they confirmed that the payment was received and sent back to XXXX, and that the account was marked as paid. However, another collection agency is still reporting this account as unpaid and attempting to collect on it. This is inaccurate and unfair, as I have already made a payment toward this debt. I am requesting that this account be properly investigated, corrected, and removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I previously sent a written request to LVNV Funding LLC disputing the alleged debt on for {$570.00} and requesting validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). In my correspondence, I requested that the company provide proper documentation verifying the debt, including proof of ownership, a complete payment history, and a copy of any agreement bearing my signature. To date, LVNV Funding LLC has either failed to provide adequate validation of the debt or has continued to report and/or attempt to collect on the account without fully complying with my request. This is concerning, as I have the right to receive proper verification before any continued collection activity or credit reporting occurs. Additionally, the account continues to be reported on my credit report, which may be inaccurate or unverifiable. Reporting unverified information may be a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that LVNV Funding LLC : 1. Provide proper validation of this debt as requested ; or 2. Cease all collection efforts ; and 3. Remove this account from my credit report if it can not be properly verified. I am seeking a resolution to ensure my consumer rights are protected and that any inaccurate or unverified information is corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I am writing to formally dispute an erroneous debt collection account reported by LVNV Funding LLC under account number XXXX. This account, showing a balance of {$2000.00}, is inaccurately reflecting on my credit reports with XXXX XXXX XXXX XXXX I have never opened an account with LVNV Funding LLC, nor have I authorized any such transaction or been notified of a legitimate debt obligation. This account has been placed in collections under my name without my consent or any contractual agreement, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). As a result of this inaccurate reporting, my credit scores have been severely impactedcurrently, my scores stand at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed this account with LVNV Funding LLC and the credit bureaus on XXXX occasions : first on XX/XX/year>, twice through an autoblast system, and most recently on XX/XX/year>. Despite these efforts, the account remains unresolved and continues to affect my creditworthiness. The presence of this erroneous account has hindered my ability to obtain credit and has caused significant stress and financial harm. Given the circumstances, I am requesting the complete removal of this LVNV Funding LLC account from my credit reports with all three credit bureaus. This account is not mine, and its presence on my credit report is unjust and damaging. I trust that the CFPB will assist in resolving this matter promptly and ensure that my rights under the FDCPA are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am submitting a complaint regarding Capital One 's handling of a billing dispute that I believe was not fairly evaluated. While staying at the XXXX XXXX XXXX XXXX, I was forced to extend my stay due to severe weather conditions that disrupted travel. I remained in the same room and did not alter my accommodations in any way. At the time of extension, the hotel charged me approximately {$200.00} more per night than my original confirmed rate, resulting in an additional charge of about {$480.00}. I had no practical ability to relocate due to the circumstances and was effectively compelled to accept the increased rate. I disputed the charge with Capital One, explaining that : 1. This was not a voluntary upgrade or change in services 2. The rate increase was applied under emergency conditions 3. I remained in the same room under a continuous stay Despite providing documentation, Capital One denied my dispute on the basis that I authorized the charge. My concern is that Capital One did not meaningfully evaluate the context of the transaction, including the fact that the transaction, including the fact that the charge occurred under constrained circumstances where I had no reasonable alternative. This goes beyond a simple authorization issue and involves fairness in how disputes are addressed. I am requesting that Capital One reopen and conduct a more thorough review of the dispute, consider the circumstances under which the charge was incurred, provide a goodwill credit or adjustment if a formal reversal is not possible. I believe this situation reflects a gap in how disputes involving emergency conditions are handled and would appreciate further review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MA

Complaint narrative:
My account was locked due to suspicious activity. US Bank couldn't tell me what the suspicious activity was or when it occurred. I have provided US Bank with my temporary XXXX temporary state identification card. I called them to expedite the identification process this morning and was told I had no access to the process. I again called US Bank, I informed them that I was recording the call, the US Bank representative informed me that they did not allow any recordings of any calls, and that they would be terminating the call. This situation with my account being locked do to fraudulent activity, when there has been no fraudulent activity and US Banks inability to furnish with the details of said activity. This account is used solely for XXXX unemployment

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 2026-03-26 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: Experian Information Solutions Inc.
State: SC

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 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 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year> Selene Finance gave me a modification deal, which was a trial period and it was supposed to be for 3 months of payments of XXXX until XX/XX/XXXX. Now the month is almost up they said I have to pay XXXX. They keep changing and putting my mortgage higher than I can afford. Im on XXXX and this is the second time Im complaining about them. I receive XXXX monthly. My grandson is XXXX and he receives XXXX. I have a lot of other bills to pay because Im raising XXXX grandchildren. I Im only allowed XXXX from that check, the balance has to go for his expenses such as food and other amenities. I need help because I keep falling behind because of them. I cant go through foreclosure. Ill be XXXX in XXXX should I be homeless? I wanted to go back to XXXX XXXX but since Selene Finance messed my credit up, reporting me behind on my payments its working against me. I hate Selene Finance, theyre the worst company ever. Please help me. Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding improper handling of my mortgage account by Rocket Mortgage. I was in pre-foreclosure status with XXXX XXXX XXXX and thankfully we were accepted for a VA loan modification and all pending judgments were terminated. During this time, XXXX XXXX filed a default judgment on my property on XX/XX/year> which is no longer active. This judgment should have been immediately removed upon acceptance of loan modification. However, the lien has not been properly released, and a Full Reconveyance has not been recorded. As a result, this is negatively affecting my title and my ability to move forward with equity loan financing. This issue is now causing serious harm, including interference with a pending financial transaction and triggering legal enforcement actions impacting my accounts. I have already requested that Rocket Mortgage expedite a Full Reconveyance and correct the status of this loan, but I have not received a timely or adequate resolution. I am requesting immediate action to : 1. Confirm in writing that the loan is satisfied/void 2. Expedite and record the Full Reconveyance with the county 3. Provide written confirmation once completed This matter is time-sensitive due to active financing, and delays are causing financial damage. I expect prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and servicing failures by my student loan servicer. A 90-day delinquency ( XX/XX/year> ) was reported to the credit bureaus. This reporting is inaccurate and the result of failure to provide adequate and timely notice. The servicer had my correct and verified contact information and was actively corresponding with me. Documentation shows that my repayment terms, including my due date, were clearly communicated. The correspondence also stated that billing statements would be sent prior to the due date. Despite this, I did not receive adequate notice of any past due status prior to the reporting of delinquency. I disputed this with the credit bureau, and the servicer verified the information as accurate without addressing the failure to notify or conducting a reasonable investigation into the circumstances. Reporting a 90-day delinquency without proper notice, despite having verified contact information and prior correspondence, raises serious concerns regarding the accuracy and fairness of the reporting and whether a reasonable investigation was conducted.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
Validation of Debt Request - SPRING OAKS CAPITAL LL - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief