vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I am filing this complaint against XXXX regarding a collection account that is being reported on my credit reports through Waypoint Resource Group.This account was opened fraudulently and does not belong to me. I did not open, authorize, or receive services associated with this account.I have repeatedly notified XXXX that this account is fraudulent and have requested documentation proving that I opened or authorized the account. XXXX has refused to provide verification of the alleged debt and has failed to produce any signed agreement, application, billing records, service address verification, or other evidence establishing that I am responsible for this account.Despite being notified that the account is fraudulent and disputed, XXXX continues to furnish information related to this account through Waypoint Resource Group, resulting in the collection being reported on my XXXX XXXX and XXXX credit reports.The continued reporting of this account is damaging my credit and causing ongoing harm. If XXXX has evidence that I opened this account, I demand that such evidence be produced immediately. If XXXX can not verify that I opened and authorized this account, the collection must be removed from all credit reporting agencies.

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 2026-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Mortage Servicer of 9 years -- -PHH XXXX Hi XXXX, We're excited to let you know that PHH Mortgage is changing its name to Onity Mortgage in a couple months. XXXX XXXX -- - We are excited to announce that PHH Mortgage is now Onity Mortgage. Your mortgage servicer is not changing, and there is nothing you need to do related to our name change. We are the same company with a nearly 40-year legacy of serving homeowners, but now with a new name that is built with our customers in mind. People do business with us because they trust we are going to get it done and get it done right. XXXX -- In case you missed our news, PHH Mortgage is now Onity Mortgage! Youve probably already noticed our new name on our website, emails, letters and other communications. ================================================================ HELOC Loan Servicer -- -XXXX ( XXXX ) Loan -- - {$50000.00} Outstanding -- - {$1200.00} XX/XX/2026 -- -Sent a default notice in the mail of XX/XX/XXXX due date XXXX -- -Hello from XXXX! As you may have heard, your mortgage loan serviced by Onity Mortgage is transferring to us at XXXX. Making this transition seamless for you is our top priority. If you havent received a letter from Onity Mortgage yet, you will soon. We are thrilled that you will be joining us.

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 2026-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion says they investigated the company 's that have wrongfully ruined my credit by saying I owe them money when legally I DO NOT. So TransUnion tells me I DO OWE THE COMPANYS MONEY. And that their statements are correct. Then TransUnion says they did change things on my report? Transunion failed to provide me what changes they made to my credit? I am actively sueing one of the company 's at this moment for frauding my contract and after I win that one TransUnion will be next. Trans Union dosnt care about the people or their credit history. They just listen to the debt company crooks. This system is VERY BROKEN. And I highly doubt they did any investigation because if they did they would have seen the fraud.

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 2026-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
This is a continuous of complaint # XXXX. The company has responded by transferring the problem to someone else. However, it does not explain where my money has disappeared to from escrow, and their explanation for the fraud was to transfer me to another lender versus resolve the complaints. I recently called to apply {$50.00} towards principal. However, the funds was applied how the company wanted versus how I intended and requested. I disputed a lender fee because I have never shorted my mortgage. That era is on the behalf of the company due to the numerous escrow analysis that was performed. XXXX XXXX is attempting to finda quick bail out from the Fraud that has been committed. The negligence in handling my escrow acct still stand. I requested corrections, not to be disregarded. I am now going to file this complaint with the Federal Trade Commission, along with a complaint against CFPB who is also negligent and handling this situation. My complaints are being closed with no real resolution. XXXX XXXX has not explained how my escrow account shows that they pay XXXX. Plus the XXXX. My actual tax bill was leaving my escrow account negative over {$2000.00}.

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 2026-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: NC

Complaint narrative:
XX/XX/year>. {$1500.00} was used by XXXX to buy Kraken cryptocurrency. I did not authorize the charge not create the account. XX/XX/XXXX fraudelent accounts were opened in my former married name XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. A fraudulent account was opened in my name at Kraken and funded with money fraudulently charges to XXXX. XX/XX/XXXX my XXXX account was used to open a cryptocurrency account and they sold all my shares in investments.

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 2026-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I am disputing a collection account reported by Credit Collection Services on my XXXX credit report, partial account number XXXX, original creditor XXXX XXXX, balance {$350.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX. I dispute this account in its entirety on the following grounds : First, no Date of First Delinquency has ever been reported for this account. Under FCRA 1681c ( c ), furnishers are required to report the Date of First Delinquency within 90 days of placing an account for collection. The DOFD is the anchor for the 7-year reporting clock under FCRA 1681c ( a ) ( 4 ). Without it, neither I nor XXXX can verify this account is within its lawful reporting window. The XX/XX/XXXX opened date reflects when Credit Collection Services opened its collection file not when XXXX XXXX first declared the account delinquent. If the underlying XXXX XXXX delinquency predates XX/XX/XXXX, the estimated removal date of XX/XX/XXXX is calculated from the wrong date and this account may already be approaching or past its lawful reporting limit. Second, Credit Collection Services is a third-party debt collector not XXXX XXXX . For this account to be accurately reported under FCRA 1681e ( b ) and 1681s-2 ( a ), Credit Collection Services must possess a valid written assignment or forwarding agreement from XXXX XXXX establishing legal authority to collect and report this debt. No such documentation has ever been provided to me. Additionally, the Loan Type field, Last Payment date, and pre-collection payment history fields are all blank on my XXXX report multiple XXXX XXXX required fields are missing, rendering this tradeline non-compliant with furnisher accuracy obligations. Third, XXXX XXXX is an insurance company. A {$350.00} insurance-related debt requires specific documentation showing what the charge represents unpaid premium, deductible, or other obligation and Credit Collection Services must be able to produce the original account records from XXXX to substantiate both the existence and amount of the debt. I have never been contacted by Credit Collection Services prior to this account appearing on my credit report and have never received the written notice required by FDCPA 1692g ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I experienced a payment failure/decline on Ally 's portal for a {$500.00} payment. Because it showed as failed, I submitted a successful manual payment on Wednesday ( XX/XX/year> ). On Thursday, Ally 's system automatically ran a forced 'ALLY RETRY PYMT ' for the previously failed transaction, double-charging my account a total of {$1000.00}. When I contacted Ally support with full screenshot proof of the automated retry, representative XXXX XXXX actively refused to escalate the issue to a XXXX and denied the system error, claiming I authorized both charges. Ally 's failure to recognize their automated retry glitch is directly threatening to force my primary bank account into a negative balance.

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 2026-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Name I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$170.00} Original Amount {$170.00} Original Creditor XXXX XXXX ( Cable/Cellular ) I have not opened any account with a cable company nor celluar in XXXX. The current company i am with i have been with them over three years.

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 2026-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: DC

Complaint narrative:
This complaint is against Diversified Adjustment Service , Inc. ( XXXX ), a debt collector, regarding a collection of {$460.00} originating from a BGE ( XXXX XXXX XXXX XXXX ) utility account for a property in XXXX, MD. XXXX failed to deliver its FDCPA-required validation notice to any valid address, depriving me of my right to dispute the debt before it was reported to the credit bureaus and damaged my credit. The relevant address history involves XXXX locations : ( XXXX ) the XXXX, MD XXXX, which I owned, lived in until XX/XX/XXXX, rented to tenants through XX/XX/XXXX, and sold at closing on XX/XX/XXXX ; ( XXXX ) a XXXX, PA address where I lived from XX/XX/XXXX to XX/XX/XXXX ; and ( XXXX ) my current XXXX XXXX XXXX XXXX since XX/XX/XXXX. XXXX mailed its validation notice ( dated XX/XX/XXXX ) and a later settlement letter ( dated XX/XX/XXXX ) to the XXXX property a home I had already sold on XX/XX/XXXX and no longer owned. At the time of both mailings, the property was owned by an unrelated XXXX XXXX. XXXX used neither my last known mailing address ( XXXX ) nor my current address ( XXXX XXXX ). Of the XXXX possible addresses, XXXX chose the one guaranteed to result in non-delivery to me. Standard skip-tracing, XXXX National Change of Address data, or publicly available Maryland property records would have revealed both the sale and my current address. I never received either notice. Because I never received the validation notice, I was denied the opportunity to dispute the debt under 15 U.S.C. 1692g before XXXX reported it to all XXXX credit bureaus. I learned of the collection only by viewing my credit report, and I paid the full balance to XXXX within minutes of discovery, the same day. I have a documented history of automated, on-time payment to XXXX on a prior account at the same property, which closed in good standing with a XXXX balance. I sent XXXX a detailed dispute letter requesting deletion via XXXX XXXX Mail, delivered XX/XX/XXXX. More than XXXX days have passed and XXXX has not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Hackers posed as loan company and electronically deposited money in my account. Which was proven to be fraudulent after the loan was used.

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 2026-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Hello, I am following up on my refinance mortgage applications submitted in XX/XX/XXXX. I recently learned that my personal information was incorrectly listed on these applications as, first name : " XXXX XXXX ''. Additionally, I have not had access to the email address associated with those applications ( XXXX ) since XX/XX/XXXX. I have requested an update on my personal information during an in-person visit to the Citi branch at XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I also requested an investigation into the unauthorized use of my personal information. This includes fraudulent account takeovers, unauthorized real estate transactions, and attempts to cash checks issued to me for compensation or reimbursement. Could you please advise on the next steps? For verification, please see my details below : Full Legal Name : XXXX XXXX ( First Name : XXXX ; Fathers/Middle Name : XXXX ; Grandfathers/Last Name : XXXX ) Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Marital Status : Single ( never married ) Maryland Drivers License Number : XXXX Employment : XXXX XXXX XXXX ( commuting Monday through Friday to XXXX, XXXX XXXX , and Washington , D.C. locations ) Thank you for your time and assistance. Best regards, XXXX XXXX Cell phone : ( XXXX ) XXXX Email : XXXX | XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
Monterey Financial Services, LLC is actively reporting a collection account on my credit files for an alleged debt originating from XXXX. Monterey Financial has called my telephone to pursue this collection but has completely failed to provide the legally required written Debt Validation Notice within XXXX days of initial communication, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Furthermore, they placed this collection on my credit report without sending any prior written consumer disclosures. The underlying debt stems from a predatory contract with XXXX, an entity heavily penalized by the FTC for widespread consumer fraud. I attempted to resolve this inaccurate information through an automated credit bureau dispute, but it was wrongfully verified. Because the collector failed to validate this debt and failed to follow federal notice requirements under the FDCPA, this unverified account is non-compliant and must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX, XXXX. XXXX continues to recycle the previous responses covering up the problem with standard " verification '' nonsense answer, intentionally ignoring the root of the problem. It never came to the verification. Instead, I was clearly and intentionally accused of " not wanting to tell how I pronounce my name ''. The rep .. named XXXX XXXX stated multiple times that I " do not want to tell how I pronounce my name ''. Clearly- on recorded line. This accusation took place in the previous encounters as well. The outcome varied - from the transfer to another rep to simply hanging up on me. But- this XXXX CLEARLY stated - on recorded line, and I can prove it - " I am transferring you because YOU DO NOT WANT TO TELL HOW YOU PRONOUNCE YOUR NAME ''. That is what she said- and I want just THAT accusation to be addressed. This is an accusation - a serious matter to keep telling me that after I clearly stated this is how I pronounce my name.

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 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Hi so recently I had filed a dispute with my prepaid debit card by onepay and gave the as must documentation as I could for the dispute. After waiting a couple of days to a week finally gotten an update saying that there was no error and gotten told the reason saying that We have done an in depth holistically review on the account. The document/response that we received has been reviewed, however we are unable to change the initial decision. The disputed transactions were executed via online mode and the account was just funded prior to the disputed debits without which the disputed transactionswo n't be possible to execute. XXXX application was accessed prior and validated the card after the cardinformation was viewed from the known device. We have not observed any fraudulent activity during the disputed timeframe XXXX application was accessed prior and validated the card after the card information was viewed from the known device. We have not observed any fraudulent activity during the disputed timeframe andonly known devices were accessing the account during the disputed timeframe. We performed an Account takeover investigation as a part of our review. Based on the above evidence, the claim will remain denied which has nothing to do with me and saying the device known which I dont have a XXXX which there are trying to say that I do when I dont the basically trying to say I authorize the XXXX transaction when I didnt what they dont know is my phone number was hacked so if they sent me a message verify I was the one who made the transaction it wasnt me my number was hacked. then saying it was done online prior to the account be funded just because the account was funded as soon as that transaction was made doesnt mean I authorized the transaction and the onepay application was accessed prior and validated the card after the information was viewed from a known device which that known device you guys are trying to say is mine when its not also case number 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 2026-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I HAVE ONE AUTO LOAN WITH REGIONAL ACCEPTANCE ACCOUNT NUMBER XXXX, AMOUNT {$25000.00}. I REQUEST THAT THEY GIVE ME A 1099-C FOR THIS DEBT AND REMOVE FROM MY CREDIT REPORT. IM UNABLE TO PAY ON DEBT AT ALL DUE TO JOB LOSE O ER A YEAR. ALSO THIS COMPANY IS CALLING ME EXCESSIVE WHICH IS AGAINST THE LAW. I RECEIVE ABOUT 8-12 CALLS A DAY AND TWO EMAILS.

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 2026-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I HAVE ACCOUNT NUMBER XXXX, AMOUNT {$57000.00}. CAN I RECEIVE A 1099-C ON THIS DEBIT AND ACCOUNT REMOVED FROM 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 2026-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have two accounts with Synchrony bank that I have been charged over {$120.00} each account just in late fees. I have brought my account back to the positive status. I request these late fees from XXXX to XX/XX/year> be waived. I have two accounts : SYNCB/AMAZON XXXX SYNCB/SAMS CLUB 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