vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX, I am formally requesting validation of this debt. Please provide all documentation that verifies : 1. The name of the original creditor, and the amount of the debt. 2. That you are legally authorized to collect this debt in my state. 3. A detailed payment history showing how the amount was calculated. 4. A copy of the signed agreement or other documents showing I agreed to this debt. Until you provide the above information, I am requesting that you cease all collection efforts, including reporting this alleged debt to credit reporting agencies, in accordance with federal law. Please be advised that I am keeping a record of all correspondence regarding this matter. If you are unable to validate this debt, you must cease collection efforts and remove any negative credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Better Mortgage, Inc.
State: MI

Complaint narrative:
This is one of the emails I sent to the leadership at Better Mortgage- with the details of what happened. I tried numerous times to resolve this with them. My last couple of attempts have gotten zero response. I tried to call many times as well with zero calls back and they would not answer the phone. See below - I will also attach the email thread as well. Here is one of the emails I sent breaking down the facts. Thank you, XXXX XXXX Im writing to close the loop and to make my position unmistakably clear. This dispute is not about market movement, internal policy, or my decision to withdraw. It is about a postlock modification to my loan terms that occurred without disclosure or authorization. Here are the facts, aligned with your system timeline and recorded calls : On my call with XXXX and on XX/XX/XXXX with XXXX, my loan was locked at 6.125 % with no points. I was explicitmultiple timesthat I would not buy points. On the morning of XX/XX/XXXX ( approximately XXXX XXXX ), points were added to my locked loan without a phone call, disclosure, or consent. I discovered this change myself. The HELOC subordination was discussed later that afternoon, after points had already been added. Recorded calls will confirm this order of events. Again, twice points were added without my consent. Because points were added before any HELOC-related discussion, the explanation of a change in circumstance does not apply. A lock is a financial agreement. Modifying that agreementby adding pointswithout borrower authorization is not a policy issue ; it is a compliance failure. Automated system notifications do not replace borrower consent. I withdrew only after discovering undisclosed pricing changes, contradictory explanations, and material inaccuracies. Had the loan remained as locked, there would have been no withdrawal. Accordingly, the {$500.00} lockin fee must be refunded. Nonrefundability does not apply when the lender materially alters terms without consent. What I am outlining above are documented facts supported by system recordsnot opinions or assumptions. Adding points to a locked loan without borrower disclosure or consent reflects negligent handling of the loan process and a failure to follow standard borrowerauthorization safeguards. Because the agreement was materially altered without consent, the {$500.00} lockin fee

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Block, Inc.
State: GA

Complaint narrative:
My Card was stolen and a charge was made for XXXX. I tried to disputing the charge with cashapp, they denied it so I appealed it with supporting documents and they still are not taking the time to review the information given to them. I can not accept someone stealing from me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as NAVY FCU - XXXX, NAVY FCU - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: SC

Complaint narrative:
Company : GoodLeap LLC ( XXXX XXXX ) Related Installer/Seller : XXXX XXXX XXXX ( bankrupt XXXX ) Product : Residential solar loan I am submitting this complaint regarding a solar financing agreement originated through GoodLeap in XXXX with a solar installation sold by XXXX XXXX XXXX XXXX We signed the contract in XX/XX/XXXX, XXXX the system was installed in XX/XX/XXXX. The sale occurred through a home appointment with a salesperson representing XXXX XXXX XXXX. At the time of sale, our household was in a financially vulnerable situation. My spouse was receiving approximately {$300.00} per week in unemployment benefits, and we were enrolled in XXXX XXXX XXXX. The sales presentation was primarily verbal, with limited digital visuals shown on an XXXX. We were told the system would be appropriately sized for our home and that it would effectively power the home and significantly reduce or offset our electricity usage. We were also told we would receive approximately {$25000.00} in federal incentives and approximately {$25000.00} in state incentives, and that the system would allow us to sell electricity back to XXXX XXXX, creating additional financial benefit. The financing resulted in a XXXX loan with payments of approximately {$360.00} per month beginning after installation. Shortly after installation, XXXX XXXX XXXX filed for bankruptcy in XXXX, leaving us without installer support, warranty assistance, or any meaningful recourse regarding system performance or sales representations. In practice, the system does not perform as represented. System production appears low and does not align with the expectations set during the sales process. Our electricity bills have not been reduced as promised and continue to fluctuate significantly throughout the year, ranging from approximately {$60.00} in spring months to over {$200.00} in winter months, and up to approximately {$360.00} in summer months, in addition to the solar loan payment. We were led to believe the system would power the home and meaningfully offset or eliminate electricity costs ; however, this has not occurred. Additionally, in the event of a power outage, the system only supports limited household circuits ( such as kitchen outlets and garage lighting ), which was not clearly understood at the time of sale. Given the financial vulnerability at the time of sale, the verbal nature of much of the presentation, the installer bankruptcy, and the discrepancy between represented benefits and actual performance, we are requesting a full review of this financing arrangement. Requested Resolution We are requesting : review of loan origination and sales practices loan modification or reduction in balance relief consideration due to installer bankruptcy and lack of support as applicable umder consumer protections under federal lending rules

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
b'I am filing a formal complaint against Jefferson Capital Systems for a direct violation of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. Section 1692g(b). On XXXX XXXX XXXX, I sent a timely, written Debt Validation Letter via USPS Certified Mail (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX) to their office in XXXX, MN. Under federal law, they were required to cease all collection efforts and credit reporting updates until validation paperwork was officially mailed to me.\nJefferson Capital Systems completely ignored my legal request and has failed to provide any validation or account verification paperwork. Instead, they engaged in illegal continued collection activity by updating my credit report and placing a new delinquency mark ("C") for XXXX XXXX on my XXXX credit profile. Because they chose to actively report and update an unvalidated debt in direct violation of the FDCPA, this item is inaccurate and non-compliant.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint regarding a fraudulent vehicle lease/account that was opened and/or reported without my authorization. I discovered that a vehicle lease/account was fraudulently obtained using my personal information. I did not authorize, sign for, co-sign, or consent to this lease agreement. Despite disputing this account and providing identity theft documentation, the company continues reporting the account and/or negative information to the credit bureaus. This fraudulent account has caused serious harm to my credit profile, financial standing, and ability to obtain housing and financing. I have already provided supporting documentation including : * FTC Identity Theft Report * Proof of identity * Proof of address * Dispute documentation * Police report and/or identity theft documentation ( if applicable ) The company has failed to properly investigate this fraud claim and continues to report inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting : 1. Immediate removal of the fraudulent vehicle lease/account from all credit bureaus ( Equifax , XXXX XXXX XXXX ) XXXX. Removal of any late payments, repossession history, collections, or derogatory reporting associated with this fraudulent account 3. Written confirmation that I am not financially responsible for this account 4. Copies of all documents allegedly used to open or authorize this lease, including signatures, application records, IP logs, and identification used 5. A complete reinvestigation under the Fair Credit Reporting Act This matter has caused significant financial hardship and emotional distress. I am requesting urgent correction of this fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: VA

Complaint narrative:
I am filing this complaint against Hunter Warfield , Inc. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with a collection account placed by The XXXX ( original creditor ), XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Hunter Warfield Account # XXXX. Reported balance : {$1100.00}. VIOLATION 1 LATE VALIDATION NOTICE ( FDCPA XXXX ) : Hunter Warfield opened this account and reported it to Experian and TransUnion on XX/XX/XXXX. Reporting to a credit bureau constitutes a first communication under the FDCPA. Hunter Warfield was required to send a written validation notice within 5 days of that first communication by XX/XX/XXXX. They did not send their validation notice until XX/XX/XXXX 32 days after reporting, 27 days past the statutory deadline. VIOLATION 2 NO EFFECTIVE NOTICE RECEIVED ( FDCPA XXXX ) : The XX/XX/XXXX validation notice was sent via email and delivered to my junk/spam folder. I never received it in my primary inbox. My statutory XXXX right to dispute was never triggered and has never expired. I exercised that right by sending a formal certified mail validation demand to Hunter Warfield on XX/XX/XXXX. As of XX/XX/XXXX 30 days later Hunter Warfield has not responded. VIOLATION XXXX UNAUTHORIZED INTEREST ( FDCPA XXXX ( XXXX ) ) : The XX/XX/XXXX notice states interest is accruing at 3 %. The original lease agreement between myself and The XXXX does not authorize interest on move-out balances. Collecting amounts not authorized by the underlying agreement violates FDCPA XXXX ( XXXX ). VIOLATION XXXX PREMATURE REPORTING ( FDCPA XXXX ( XXXX ) ) : The account was opened on XX/XX/XXXX XXXX Day, a federal holiday yet Hunter Warfield did not pull my TransUnion credit report until XX/XX/XXXX. A collection agency can not report an account before it has received and processed it. The XX/XX/XXXX credit pull is Hunter Warfield 's own data proving XX/XX/XXXX is a batch processing date. The original creditor transmitted this account before the consumer 's XXXX notice period expired, meaning Hunter Warfield accepted and reported an account it had no valid collection authority to report nor was notification provided before the account was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Summary of the Issue : My mortgage servicer improperly placed lenderplaced insurance ( LPI ) on my account despite the fact that I provided valid homeowners insurance documentation in XX/XX/XXXX. Their representatives confirmed at that time that the XXXX would be removed and the escrow account would be closed. This correction never occurred. Failure to Correct After Repeated Notice : From XXXX through XX/XX/XXXX, I contacted the servicer several times. Each call lasted over an hour. Every representative assured me that the XXXX would be removed and my account corrected. None of these assurances were honored, and no corrective action was taken. Servicing Errors and Harm : Because the servicer failed to process my valid insurance and failed to correct their own error, the following occurred : - My account was incorrectly reported as delinquent - My credit was negatively impacted - My credit cards reduced my credit limit - I was exposed to foreclosure risk despite making payments- An escrow account was improperly opened - LPI charges were added to my account - Late fees and legal fees were assessed, even though the delinquency resulted solely from the servicers error - Payments intended for principal and interest were misapplied The servicer has acknowledged that the issue was caused by a system/computer error on their side that failed to recognize my valid insurance and triggered an incorrect escrow analysis. Regulatory Concerns : These actions appear to violate federal mortgageservicing rules, including : - Failure to correct known errors ( 12 C.F.R. 1024.35 ) - Improper placement of lenderplaced insurance ( 12 C.F.R. 1024.37 ) - Misapplication of payments - Improper assessment of late fees and legal/default fees- Inaccurate credit reporting under the FCRA Requested Resolution : I am requesting CFPB assistance to require the servicer to : XXXX. Remove all lenderplaced insurance charges retroactive to XX/XX/XXXX XXXX. Close the improperly opened escrow account XXXX. Remove all late fees, legal fees, and defaultrelated charges XXXX. Correctly reapply all payments to principal and interest XXXX. Correct my loan payment history in full XXXX. Correct all negative credit reporting with all credit bureaus XXXX. Provide written confirmation that my loan is current and in good standing This issue has caused significant financial, credit, and emotional harm. I am requesting the CFPBs help to ensure the servicer corrects these errors promptly and fully.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I was placed on a payment arrangement with XXXX XXXX XXXX ( XXXX ) for a lump-sum payment of {$2400.00} due in XX/XX/year>. This arrangement was intended to resolve my delinquency and maintain my account in good standing. Despite this agreement, GLS repossessed my vehicle before the payment due date. I was never informed that the arrangement had been cancelled or that repossession would proceed. A representative previously acknowledged seeing my payment arrangement and referenced a possible system error or glitch in their records, suggesting my account status may have been incorrectly displayed internally. I believe this repossession was wrongful and caused by internal miscommunication or system error. I am requesting investigation, reinstatement of my account, and return of my vehicle and/or fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Freedom Mortgage Company
State: IN

Complaint narrative:
I am a XXXX borrower with Freedom Mortgage. I was denied all modification options and only offered an unaffordable repayment plan. My appeal was denied without explanation of financial analysis or guideline basis. I am requesting review of whether proper loss mitigation procedures were followed.

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 2026-05-17 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: International Debt Buying Consultants, LLC
State: GA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as PORTFOLIO - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under XXXX XXXX. XXXX ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under XXXX XXXX. XXXX ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-17 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am filing a formal complaint against Affirm , Inc. regarding an ongoing installment loan dispute for a purchase made through the merchant XXXX XXXX.I am a victim of a documented " Fake Tracking Number '' e-commerce scam. The merchant generated a fraudulent tracking number ( XXXX ) and provided it to Affirm. Because the tracking status automatically scans as " Delivered '' within my zip code, Affirm 's automated system has repeatedly rejected my dispute and ruled in the merchant 's favor.However, I have secured official written confirmation directly from a United States Postal Service ( USPS ) Manager originating from an official government email address ( XXXX ). The USPS Manager explicitly states : " this package was not destined nor delivered to your address. Also it was sent to a different person 's name. In summary, the package with tracking number XXXX was not sent to my home anddress and was sent to someone other than you. " On XX/XX/year>, Affirm Customer Care confirmed via email that the dispute has been reopened and is " ongoing. '' I am filing this complaint to ensure that Affirm 's corporate compliance team manually reviews the attached official USPS government verification proving tracking fraud, rather than allowing an automated merchant portal to wrongfully enforce this loan.I have attached the official USPS email saved as a PDF and my original invoice showing my correct delivery information. I request that Affirm immediately cancel this fraudulent loan balance and cease all credit collection and reporting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: NM

Complaint narrative:
Predatory loans, with no real help when you can not make a payment, they skip the payment but then add it on to your loan total and that makes your monthly payment go up as well as the interest rates they charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Paid off car 98 % credit auto pay didnt go through {$200.00} interest on added to credti report never disclosed that there was a underlying interest not based on amount paid as i paid {$30000.00} in first year and {$1100.00} per month. Missed autopayment due credjt card issue and never notified they after 30 days did not email me or notify as my car was on autopay for 2 years. They lumped the original without disclosing not based on balance i missed on paymrtn gor XXXX i paid off car and unknown interest they as i didnt to pay off and close account early as it woulf impact credit score. Very shady practicr

Company response to consumer: Closed with explanation