vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 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: Eastern Revenue, Inc.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation information under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 

I am under duress because this company is violating my rights under XXXX XXXX. XXXX ( a ), data furnishes are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Product : Mortgage Company : Selene Finance LP Account : ending in XXXX Prior CFPB Case : XXXX Complaint Narrative I am filing a follow-up complaint regarding continued escrow mismanagement by Selene Finance LP after prior CFPB involvement and multiple written notices. 

This issue was originally raised in XX/XX/XXXX and formally documented through CFPB XXXX XXXX. XXXX. XXXX acknowledged servicing errors at that time and provided a written response dated XX/XX/XXXX. 

On XX/XX/XXXX, I received written confirmation from the XXXX XXXX XXXX XXXX that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX exemption was approved and applied. This exemption legally eliminates my ad valorem property tax obligation for tax year XXXX and forward. I immediately forwarded this official documentation to Selene and requested a corrected escrow analysis reflecting {$0.00} property taxes. 

On XX/XX/XXXX, Selene acknowledged in writing that they had received my exemption documentation and forwarded it to their Escrow Department for handling, stating that the correction would be completed within fifteen ( XXXX ) business days. 

On XX/XX/XXXX, I also submitted a formal written notice citing RESPA ( 12 U.S.C. 2605 ( e ) ) and Regulation X ( 12 C.F.R. 1024.35, 1024.36, and 1024.17 ), establishing a statutory resolution deadline of XX/XX/XXXX. I followed up again on XX/XX/XXXX, after receiving no substantive update. 

As of XX/XX/XXXX, Selene has failed to perform a corrected escrow analysis, failed to remove property taxes from escrow projections, and failed to provide any meaningful response. Their own servicing portal currently reflects continued escrow collections toward a {$4600.00} property tax obligation that is legally {$0.00}. My escrow balance currently exceeds {$3500.00}, which is nearly sufficient to cover my annual homeowners insurance, yet Selene continues to collect inflated escrow payments for a nonexistent tax liability.

This constitutes continued improper escrow overcollection and failure to correct a known servicing error after receipt of a qualified written request, in violation of RESPA and Regulation X. Selene also failed to meet their own written resolution timeline.

This ongoing overcollection is causing material financial harm by unnecessarily restricting my cash flow and retaining my funds for obligations that do not legally exist.

Requested Resolution 1. Immediate corrected escrow analysis reflecting {$0.00} property taxes.

2. Immediate recalculation of my monthly mortgage payment.

3. Refund or credit of all excess escrow collected for property taxes beginning XX/XX/XXXX. 
XXXX. Written confirmation of correction. 
XXXX. Correction of servicing records to prevent recurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am writing regarding the collection account you are reporting under the name RENTDEBT AUTOMATED COLLECT, allegedly associated with XXXX XXXX XXXX, and currently appearing on my credit reports. 

I dispute this debt in its entirety. I have no contractual agreement with your agency, and I have never received any written notice or validation of this alleged debt as required by law. 

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting full validation of this alleged debt. Please provide the following : 1. A copy of the original signed lease or agreement bearing my signature that created the alleged obligation 2. Documentation showing the exact amount owed, including a complete itemization of charges 3. A copy of the assignment, bill of sale, or consignment agreement proving you have the legal right to collect this debt 4. Proof that this debt was legally transferred to your agency 5. The name and address of the original creditor and the date the debt was allegedly incurred 6. Proof that you provided proper notice of this debt in compliance with the FDCPA Until this information is provided, this debt remains unverified and disputed. 

If you are unable to provide the documentation requested above, you must immediately cease collection efforts and delete this account from all credit reporting agencies, including but not limited to XXXX XXXX and XXXX. 

Please note that reporting unverified or inaccurate information constitutes a violation of federal law. Failure to validate or delete this account may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as possible legal action. 

This letter is not a refusal to pay, but a request for validation. Any further reporting or collection activity without proper validation will be considered unlawful. 

I expect your written response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Additional information provided by consumer : XXXX Please send this to Rent Debt. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Credit Coll is falsely reporting on my credit. I have never had any accounts with them. Per my research Credit Coll 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 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MA

Complaint narrative:
On XX/XX/year>, payroll wages for multiple employees were disbursed by PNC Bank as part of our companys payroll processing ( payroll period XXXX XXXX XXXX ). The employer account was fully charged for this payroll. 

After releasing the payroll funds, PNC Bank subsequently filed fraud claims on these same legitimate wage transactions. As a result, multiple employees were unable to access their earned wages. 

Specifically, XXXX employees receiving bank ( XXXX ) closed the employees checking account and suspended the payroll funds pending further interbank action by PNC. XXXX other employees receiving banks XXXX XXXX XXXXXXXX XXXX ) froze their checking accounts, preventing access to deposited wages, even though the funds appear as deposited. 

Both receiving banks confirmed that the account restrictions and suspended funds were caused by fraud claims filed by the sending bank ( PNC ), and that the funds can not be released unless PNC takes corrective interbank action, such as withdrawing the fraud claims or filing an interbank claim. 

This issue has been ongoing for over XXXX days. Despite repeated escalation through our payroll provider, the situation remains unresolved, and employees continue to be deprived of access to their earned wages. 

These are legitimate payroll deposits, not unauthorized transactions. The continued freezing and withholding of wages has caused significant financial harm to employees. We are requesting that PNC Bank take immediate corrective action to resolve these transactions, release or return the funds, and prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: IL

Complaint narrative:
Unauthorized funds were withdrawn from my checking account. I promptly reported the activity to my bank and filed a fraud dispute. The bank denied my claim and refused to reimburse my funds, stating they did not agree with the outcome, without providing sufficient evidence that the transactions were authorized.

I did not authorize these withdrawals, did not benefit from them, and did not share my debit card, PIN, or account credentials. Under Regulation E, consumers are protected from unauthorized electronic fund transfers when reported timely.

I am requesting that the bank comply with federal law by conducting a proper reinvestigation, providing written justification for their decision, and reimbursing the unauthorized funds.

I believe the bank failed to meet its obligations under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
EASTERNACCOS is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERNACCOS 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: CT

Complaint narrative:
To Whom It May Concern, I am writing regarding an alleged XXXX  XXXX  tuition balance that has been placed with collections and is now being reported on my credit report. 

This debt is formally disputed. I withdrew from the XXXX XXXX XXXX in XX/XX/year>, prior to attending or participating in the XXXX semester. As such, this balance does not accurately reflect my enrollment status and should not have been assessed or reported. 

Because this debt is inaccurate and currently under dispute, any continued credit reporting or collection activity is improper. I am requesting the following actions immediately : Removal of this account from collections Withdrawal and correction of any negative credit reporting associated with this balance Written confirmation once the correction has been completed If the University believes this charge is valid, I request written justification citing the specific billing and withdrawal policy supporting the assessment. Absent such documentation, I expect the balance and all associated credit reporting to be removed.

Please treat this matter with urgency, as inaccurate credit reporting may constitute a violation of federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX CT XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
In XXXX of XXXX I submitted a completed application for TPD ( total and permanent discharge ) to the Federal Student Aid ; an office of the Department of Education. 
Since the website for the above agency does not offer updated or pertinent instructions on required documents I submitted incorrect to forms. 

I called this agency and was informed that I needed to submit a Benefits Query from XXXX XXXX XXXXXXXX. The deadline for submission was XX/XX/XXXX. I was informed by the representative that this document could be submitted via Fax. 
I needed to obtain this Query in person at XXXX and did so on XX/XX/XXXX. 

On XX/XX/XXXX I submitted the XXXX XXXX XXXXrom XXXX XXXX XXXX XXXX in XXXX. I have secured the cover page and copies of the documents as evidence of the submission. 

As of XX/XX/XXXX, approaching ( XXXX ) XXXX month after submitting the documents there is no updated records online in my account to reflect receipt of the documents. 

Also I followed up with a phone call to the Department of Education on XX/XX/XXXX the representative could not confirm that any documents were received. 
Information coming from this agency is therefore inaccurate and not up to date. Also the representative was difficult to understand almost mumbling her name and responses. The representative simply said I should upload the documents to my account. The issue with this I responded is I would have to take pictures of the documents and this would not provide clear and legable documents. 
The documents were received in person with a scheduled appointment from XXXX and can not be uploaded from the website. In addition I don't have XXXX XXXX to do this. But more importantly a fax submission was stated to be acceptable and an option.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Universal Account Servicing, LLC
State: IL

Complaint narrative:
I purchased products and services from XXXX that were defective and not as advertised. I experienced repeated product failures and service issues and attempted to resolve the matter directly with the company. When the problems were not corrected, I canceled the subscription due to defective goods and failure to deliver promised services. 

The purchase was financed through Universal Account Servicing , LLC. Despite the cancellation for defects, I was billed for the remaining financed balance. I formally disputed the charges and requested debt validation, itemized charges, a copy of any signed financing agreement, proof of product delivery, and confirmation that the account is placed in dispute with no credit reporting during investigation. 

The company has not provided this information. I am disputing the financed balance in full because the underlying goods and services were defective and not delivered as agreed. I am requesting cancellation of the remaining loan balance and confirmation that no negative credit reporting will occur during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Texas Guaranteed
State: NY

Complaint narrative:
Subject : FORMAL DISPUTE Breach of Rehabilitation Agreement In XX/XX/year>, I entered into a formal Rehabilitation Agreement with Trellis. to bring my defaulted student loans into good standing. Per the terms of this program, I was promised that after 9 on-time payments, the " Default '' status would be removed from my credit reports.

I have now made 7 consecutive, on-time payments in good faith. It was only after I reached this advanced stage of the program that I was informed I am " ineligible. '' Had I been informed of this alleged ineligibility at the start, I would have pursued other options, such as immediate consolidation or the " XXXX XXXX '' program. Instead, I have spent seven months making payments specifically for the purpose of credit repaira benefit that Trellis is now attempting to revoke due to its own clerical or processing error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Deceptive practices : My Auto loan XXXX XXXX XXXX XXXX financed thru Bridgecrest XXXX. Payment was due XX/XX/XXXX but Bridgecrest deferred payment until XXXX XX/XX/XXXX. I have proof of deferred payment notification. On XX/XX/XXXX XXXX XXXX  Bridgecrest repossessed my auto. I called Bridgecrest and they denied repossession. The Bridgecrest app downloaded on my phone showed repossession in process, with the deferred payment still due XX/XX/XXXX, but customer service continue to deny the repossession. Two days later Bridgecrest deleted the repossession in process from the app, but continued to show deferred payment due XX/XX/XXXX. Ive verified that my auto is being held at a towing repossession yard.

Predatory Practices : Bridgecrest added XXXX XXXX, XXXX XXXX, XXXX XXXX to my loan and said it was a condition for loan approval. Theyve violated the Truth in Lending law for Pennsylvania because for interest rates on vehicles that are over two years old.Annual percentage rate XXXX ; Finance Charge {$20000.00} ; Amount Finance {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: AL

Complaint narrative:
-On XX/XX/year>, at approximately XXXX, I provided formal notice to the tow yard currently in possession of the vehicle. 
- The notice informed the tow yard that : The repossession is disputed.

The underlying enforcement action is contested.

Continued possession or disposition of the vehicle may constitute wrongful conversion, interference with property rights, and additional liability.

- The tow yard was placed on actual notice of the dispute and instructed not to transfer, sell, auction, or encumber the vehicle.

- Proof of notice to the tow yard exists and can be produced if required. 

V. NOTICE TO WESTLAKE FINANCIAL AND AGENCIES -Westlake Financial has received multiple notices regarding the disputed nature of the account and the improper enforcement actions taken.

-Complaints have been initiated or are in the process of being initiated with appropriate regulatory and enforcement bodies regarding Westlake Financials conduct.

- Westlake Financial has failed to timely cure, correct, or substantively respond to these notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I did a voluntary repossession with the XXXX  I was told that they would then send a letter stating the balance of the loan once the vehicle sold. I have reached out several times in hopes of an explanation and they have yet to let me know anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Its a scam and the loan terms terms are not clear and very misleading leading because I would have not decided to agree to these terms

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you give this a review? Its late, and Im worried it might be wrong.

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