vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, we told the agency " Accounts XXXX '' to stop all communication with us regarding the alleged debt ( which we proved via evidence that was unfounded ) via forms of text, email, or call. We told XXXX XXXX from this company and cced their XXXX XXXX email from their website so there are no excuses that " this wasn't received ''. Agency : XXXX XXXX XXXX Phone : XXXX Customer Support Email : XXXX XXXX accountsreceivable.com Despite this, they have continued to text XXXX different times after this date via an automated text message to my spouse to pay the alleged balance. We did NOT enroll in your automated debt collection texting program. This is a violation under the Fair Debt Collection Practices Act and it needs to stop. I am recording all incidents and pursuing further. 

The dates you violated us by texting us ( after being previously told to stop on XX/XX/XXXX ) further were : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
Lost everything in a fire before XXXX and worked with Auto Money informing them that I was going to miss a payment. On Friday I paid XXXX payment, XXXX is only late and would be caught up by XXXX. They didn't close the order for repo and my vehicle was towed last night while I was at work, leaving me in the dark in freezing temps. The towing company said that the manager told him that the order was supposed to be closed out but they didn't do it. They are guilty of an unauthorized repossession. They lack professionalism and social skills. Untrained monkeys are more capable than these people

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The capital one in XXXX XXXX is employing faulty atm machines. They know they are charging people the funds they want to pull out the atm and not giving them said funds. They stated the policy is for the account holder to dispute said funds, instead of actually fixing their atms

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: FinFit Holding Co, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I pulled my credit reports and found that Salary Finance / XXXX is reporting a severely negative tradeline that appears inaccurate, incomplete, and not verifiable as reported. The tradeline is being furnished with charge-off style derogatory information and account data fields that do not appear consistent and complete across reporting. 

I have not submitted any direct disputes to the credit bureaus for this account prior to filing this CFPB complaint. I am raising this issue at the beginning stage because the tradeline is materially harming my credit profile and I have serious concerns that the reporting is not compliant with consumer protection standards that require maximum possible accuracy and complete reporting. 

I am requesting a documented investigation into the Salary Finance / Axos furnishing, including whether the tradeline is being reported with proper XXXX XXXX format compliance, accurate account status codes, accurate payment history, accurate balance and past-due fields, and the correct date of first delinquency. If Salary FinancXXXX / XXXX can not produce competent records supporting the furnishing of each reporting element, the tradeline should not continue to be published as derogatory. 

Help me understand how a furnisher can continue to report a severe derogatory tradeline without providing a complete accounting, complete payment history, and the documentation necessary to verify accuracy and completeness of the reporting fields.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I have a residential mortgage loan serviced by XXXX. I was approved for an active mortgage forbearance plan, during which scheduled payments were not required. 

Despite this approved forbearance, my servicer has reported, or indicated it may report, the account as delinquent during the forbearance period. My credit report also reflects the notation Account in forbearance, which confirms the relief was approved and active. 

While the forbearance agreement contains language stating that payments may become delinquent, this language applies to internal loan accounting and future repayment enforcement not credit bureau reporting.

Reporting missed payments as delinquent when those payments were not required due to an approved forbearance is inaccurate and misleading. 
I also note that I received the written forbearance agreement only recently, and the document was not available in my online account portal at the time I entered the forbearance. Additionally, during my telephone conversation with the servicer, the credit reporting implications of the forbearance were not clearly explained. As a result, I did not have timely or complete information regarding how the account would be reported during the forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have been with discover card for 19 years. Normally when an offer is made and accepted, I pay a use fee ( in this case was {$400.00} ) and I don't pay interest on purchases or offered amount of my open credit. I was mislead to think I was getting 0 % on the credit I hadn't used on my credit card ( {$10000.00} ) to make purchases. 

They are charging interest on purchases. This is dirty financing. They weren't open and forthright, it was tucked in with the multiple pages. I want my {$400.00} back, and no more interest charges on purchases for misleading me to think I could USE the {$10000.00} dollar amount on purchases without interest. So they charge you {$400.00} for you to use your credit card at the normal interest of 10.49 %. This is a scam. I want my {$400.00} back because I am using MY normal credit card AT the SAME INTEREST it has, and they scammed me {$400.00} to use it. 

This should be brought before the XXXX administration for scams.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, hackers compromised my XXXX account and made XXXX fraudulent purchases for {$510.00} USD. After speaking to my bank, they notified me that they couldn't do anything because the payments had been initiated via XXXX from my paypal account that was connected to XXXX. 

After relaying this to Paypal and showing them that XXXX confirmed my account was hacked, they began processing the refunds except XXXX. Every time I've called Paypal to inquire about my refund, I've heard excuses ranging from : I need to talk to my bank, I need to call back in a week and my refund will be ready, and " there's nothing we can do. '' I just want my refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Already file XXXX complaint with you guys, but sadly you were kind of quick to dismiss, send XXXX check, took citi to long to cash and got cancel, send a second check they cash it and haven't credit my account, but they are '' confused " thinking the check bounce, the keep focused on first check number not second check, I don't want to keep paying interest on money I don't owe, it's been months now getting 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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
On XX/XX/year>, I initiated a {$25000.00} ACH transfer from my XXXX  XXXX XXXX account to my Wise account on the Wise app. Upon inserting the information, the Wise app notified that there would be a {$42.00} charge to complete this transfer. I therefore, cancelled the transaction. On my Wise statement, it shows the transaction was cancelled. On XX/XX/year>, my XXXX  XXXX XXXX account was debited by Wise in the amount of {$25000.00}. Now, both XXXX  XXXX XXXX AND Wise claim not to have the funds and can not tell me where my funds are at the moment. I have tried to resolve the issue with both institutions with no avail. Can you please help? Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: CA

Complaint narrative:
My XXXX of XXXX account ending in XXXX was opened on XX/XX/XXXX, with an initial deposit of {$6600.00}. 

In XX/XX/XXXX, when preparing to provide closing instructions, I discovered that the account balance had been reduced to less than {$650.00}. Upon reviewing the account activity, I found that {$6000.00} of the original deposit was withdrawn on XX/XX/XXXX, without my authorization and without any notification to me. 

The withdrawal is reflected in my Discover account history as XXXX XXXX XXXX XXXX XXXX. However, after direct confirmation with the XXXX XXXX account supervisor team, I was informed that no such funds were ever received by XXXX XXXX. 

At no point was I notified of this transaction, nor did I authorize any withdrawal or return of funds. 

Since XX/XX/XXXX, I have repeatedly contacted Discover by phone. I have also submitted XXXX formal complaints to the XXXX XXXX on XX/XX/XXXX ( # XXXX ), and another one on XX/XX/XXXX ( # XXXX ) .Despite these efforts, no senior official has responded, and the matter remains unresolved. 

I am formally requesting the immediate restoration of the missing {$6000.00}, along with all accrued interest, and a written explanation of how this unauthorized transaction occurred. This matter involves a significant discrepancy in the handling of my funds and requires prompt investigation and resolution. 
Please treat this request as urgent and advise on next steps without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion Good morning. I am writing to dispute a collection account that has been incorrectly reported to my credit report. The account in question is for XXXX XXXX XXXX for {$17.00} I do not recognize this debt and believe it has been placed in error. Ive never sign a contract with them. I did have a contract with XXXX XXXX ( They Sold me a XXXX XXXX XXXXXXXX in really bad shape everything was broken inside ) I end up doing a Voluntary Reposition but they Sold the XXXX at The Auction ; and the deficiency balance never was Fix.I also request that you remove this account from my credit report immediately, as it is inaccurate and causing harm to my XXXX XXXX. I am requesting that XXXX investigate and correct this error as soon as possible. Please consider this letter as a formal request to cease all collection activities and remove the account from my credit report. I try to reach this companies and they Refuse to help me. Under The Fair Credit Reporting Act Law ( FCRA ) gives me the rights to accuracy, fairness, and privacy in my credit reports. Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The XXXX Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. Thank you Have a Good Day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
I tried to call the company on XX/XX/year> and XX/XX/year> to see what can be done with this as i have not clue what this loan was or how it ended up on my credit report. They would not give me any information except that i would need to pay the full amount to have it removed from my credit report even though it is closed and charged off. They would not provide any details as when it was opened or anything even after i told them that i did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Requested hardship reduction and was denied because i dont have any income. Im currently 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 monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I discovered a derogatory report for {$4400.00} related to XXXX XXXX XXXX XXXX. I did not receive any prior letters, calls, emails, or other notice before the credit reporting appeared. If the reporter is a debt collector, furnishing information to a consumer reporting agency before communicating with the consumer about the debt violates 12 C.F.R. 1006.30 ( a ) ( 1 ). 

After I called and disputed the debt and provided my attorneys contact information on XX/XX/year>, any continued credit reporting without marking the debt as disputed may violate 15 U.S.C. 1692e ( 8 ). If the reporter is the original furnisher, furnishing without notice of dispute after consumer notice implicates 15 U.S.C. 1681s-2 ( a ) ( 3 ). The alleged debt is also the subject of active litigation, and the credit reporting is causing ongoing harm.

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 result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
I used the XXXX feature to send {$37.00} to XXXX XXXX in XXXX XXXX at XXXXXXXX XXXX. My friend could not regain access to that account, he & ai immediately tried calling to resolve it to no avail. so he never received it.. The {$37.00} did not revert back into my account after it had expired on XXXX XXXX. I have disputed this XXXX XXXX transfer about XXXX times. But Chime wont return my money. If he did not receive it, then where is the {$37.00}. I want it returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
On XX/XX/XXXX, I was charged XXXX times for {$59.00} by a company called home alone. I disputed XXXX transaction and I was denied XXXX of my disputes even though I submitted over proof that the merchant said ( XXXX ) that I no longer had an account with them I also sent over proof because I know this is a servicing cleaning service company that I sent it over proof that I no longer live there and there was no way for me to receive services there and I have also reported that I have my credit card stolen around that time in XX/XX/year>. I moved out of my place in XX/XX/year> and I submitted over all that proof and it does not make sense why my dispute was still denied showing that the merchant admitted that I dont want no longer have a claim or a membership with them. I have been unfairly discriminated towards and I have yet to figure out why they have denied my dispute it does not make sense. It was an error that was clearly occurred because they charged me XXXX times all at once and it was not for my account. The merchant admitted that it was not for my account and there was an error and I no longer have a membership and I have submitted over the proof of that and Im submitted it now and I would like a full refund for each transaction and each dispute that did not get approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am a resident of XXXX and have been subjected to repeated unauthorized disclosures of my personal and debt-related information by a debt collection agency representing Harris & Harris XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

This agency has communicated sensitive details regarding an alleged debt to my family members via text messages without my express consent or authorization. Such disclosures have caused significant distress and embarrassment. 

These actions constitute violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692b and 1692c ) as well as the XXXX XXXX XXXX XXXX. 

I hereby demand that the debt collector immediately cease all communications with third parties, including my family, and refrain from further unauthorized disclosures of my personal and financial information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief