vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I was receiving emails from XXXX XXXX company who was saying i needed to finalize my loan options. I did not have a loan or take out a loan so i assumed it was just a company with a loan offer I was not taking. In XX/XX/XXXX someone stole my credit and took the loan out in my name for {$45000.00} with XXXX XXXX and had the funds placed into their bank account leaving me responsible for the payback of the loan I did not take. I then discovered this loan in XX/XX/XXXX on my credit report to which I filed a dispute which was originally denied by XXXX as fraud. Resubmitted fraud dispute with XXXX XXXX from XXXX XXXX filled the resubmission with the company XXXX XXXX on XX/XX/XXXX XXXX XXXX agreed it was fraud and said it would be off my credit report within 30 days. XXXXDoesnt show on loans anymore-i assume it is taken care of XXXXit now shows in my collections on my credit report again tanking my score. XXXXcall XXXX XXXX to ask them what happened, said it was moved to collections AFTER it was decided it was fraud. Lady spoke to me said they would have it fixed in a week advised me to submit this to identity XXXX XX/XX/XXXX submitted my theft at identity theft.gov collections company is now XXXX XXXX LVNV funding XXXXcalled XXXX XXXX again to ask why it has not been removed from collections to which i was told it would be and they reported it as fraud and are unsure why it is still on there. give it 30 days. as of XX/XX/XXXX it is still showing and my credit is ruined. Going to file bankruptcy because of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I received a collection notice on XX/XX/year> dated XX/XX/year> from Rubin and Rothman, LLC about a XXXX XXXX credit card ( card number ending in XXXX ) that I do not have and/or did not have. I tried calling twice today ( XX/XX/year> ) @ XXXX and XXXX. Both times the person told me they were unauthorized to access the account. Why? This sends up a red flag!!! The company seems legit. Anyway, I am to select from three ( 3 ) options ... 1- pay a lump sum of {$580.00} by XX/XX/year> ; 2- pay {$690.00} in six consecutive monthly payments of {$110.00} each and the first payment be there by XX/XX/XXXX ; 3- pay {$800.00} in twelve monthly payments of {$67.00} each and the first payment be there by XX/XX/XXXX. First of all, I received this letter eleven ( 11 ) days after it was mailed out. The postmark is marked for XX/XX/year>. Today is the XXXX and this gives me about 2 weeks to try to talk to someone and get this resolved. Frustrating!!! How am I supposed to get this resolved if no one has authorization? The first time I called the toll free number, XXXX. The second time I called the number for XXXX XXXX, XXXX ext XXXX. Both times I was asked for my number, I said no. The second time, I said I would call back tomorrow. I forgot to write down the people to whom I spoke with. I will try to talk to someone again tomorrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
my payment went up, I asked why and was told that my insurance had gone up {$300.00}. I called my insurance company and was told it went up {$35.00} not {$300.00}. my property taxes went up {$28.00} a year. nowhere near the increase amount they told me. Also they are not applying the payments on the day I make them. I made XXXX payment on XXXX and it was not applied to my account until XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
The car was totaled since XXXX. Ive been getting late payments since then with no insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am disputing a debt being collected by Professional Debt Mediation related to a prior apartment lease. This debt is inaccurate, inflated, and not properly validated. The company is attempting to justify charges using photographs that were taken during my tenancy, not after I moved out. These images do not reflect the condition of the unit at move-out and can not be used to support post-tenancy damage claims. Presenting in-tenancy photos as move-out evidence is misleading and does not establish liability. There are also clear inconsistencies in the charges : The move-out statement lists a {$200.00} charge for wall/crayon markings, yet the only invoice provided is for {$970.00} for painting services. This invoice does not match the amount charged and appears to be a general or full repaint, not a charge specific to my unit or actual damage. Additional charges for blinds replacement ( {$65.00} and {$120.00} ) were included without any invoices, receipts, or photographic proof showing damage or need for replacement. No proper accounting of my security deposit has been provided, including how it was applied or itemized against these charges. I requested validation of this debt, including : Proof of the unit condition at move-out Itemized invoices matching the amounts charged Documentation supporting blinds replacement A full accounting of my security deposit The response failed to provide sufficient documentation to validate the debt. Despite this, the account has been reported to XXXX and XXXX, damaging my credit. This is an attempt to collect an unsupported and inaccurate amount. I am requesting : Immediate deletion of this account from all credit bureaus Cessation of all collection activity Proper validation and full accounting of any alleged balance, including the security deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
Debt collector failed to properly close a settled account, resulting in wrongful state tax refund interception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rosenberg & Associates Recovery Services
State: GA

Complaint narrative:
They call anywhere from XXXX to XXXX times day. Today they called 3 times with in XXXX hours. They claim they will continue to call this way until I give them my financial information. I told them it's not mine never had a XXXX account. This is the 10th 3rd party collection agency to try to collect. Actually the statue of limitations is gone since its over 10 yrs old. They refuse to accept that it's not mine, nor that it's a barred debit. They even will not talk to my lawyer whom has called them to tell them to stop but they refuse to talk with him and hangs up. I told them I have a lawyer and they still call me multiple times a day leaving messages each time. This is clearly harrassment and breaking FDCPA laws ( many ). Dates they've called and each time left a voice message Tuesday XXXX XXXX, XXXX, XXXX Monday XXXX XXXX, XXXX Tuesday XXXX XXXX Wednesday XXXX XXXX Tuesday XXXX XXXX, XXXX Wednesday Today XXXX XXXX, XXXX, XXXX FDCPA 15U.S.C 1692d, Regulation F,15 U.S.C 1692e, 15 U.S.C. 1692g, Threats and Coercion FDCPA Section 806, 807, 808 They are to stop contacting me and contact my lawyer XXXX XXXX XXXX out of XXXX GA

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am dealing i with self financial, I have paid the balance of my credit off and am wanting to recieve my deposit back which is the amount on the card {$3000.00} and I have tried to reach out several times via email and phone call to a number that doesnt work. I also have a credit builder account with them and the XXXX i had set up is still coming out of my bank account as of yesterday the latest payment. I need help with reaching someone so i can close the credit card and receive my monies back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am disputing inaccurate information on my credit report. The account from Barclays ( XXXX XXXX ) was closed and charged off in XX/XX/XXXX. However, it continues to report ongoing late payments into XXXX, XXXX, and XXXX. This is inaccurate, as a closed account should not continue reporting new delinquent activity. Please investigate and correct or delete this account. Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint against Bank of America regarding XXXX fraud and claim denial I am submitting this complaint regarding Bank of Americas handling of a {$7000.00} XXXX transfer that was the result of fraud. On XX/XX/year>, I sent {$2000.00} on XX/XX/year>, I sent {$2000.00} and on XX/XX/year> I sent {$2000.00} via XXXX for the purchase of a vehicle. The seller misrepresented ownership of the vehicle and failed to deliver both the car and title. After receiving the funds, the individual ceased communication. This transaction was clearly a scam involving fraud by deception. Bank of America denied my claim on the basis that the transaction was authorized. However, this conclusion does not adequately address the fact that I was induced to send the funds under false pretenses. This is not a simple authorized payment disputeit is a case of fraud. Important facts : - The transaction was made based on a fraudulent vehicle listing - The seller failed to provide the purchased vehicle or title - Communication stopped immediately after payment - A police report has been filed, and law enforcement is actively pursuing a subpoena to trace the recipients bank account and funds- The receiving account is connected to suspected criminal activity I am requesting that Bank of America : 1. Reopen and escalate this claim as fraud by deception 2. Initiate a recovery request with the receiving bank for the transferred funds 3. Review the receiving account for suspicious or fraudulent activity 4. Provide all relevant transaction and recipient information to law enforcement 5. Reconsider reimbursement given the clear fraudulent nature of this transaction Additionally, I request a detailed explanation of : - The specific basis for denying my claim - Whether a recovery attempt was made with the receiving financial institution - What fraud detection or intervention steps were taken once the scam was reported Given the active law enforcement investigation and the clear evidence of fraud, I believe this situation warrants further review beyond a standard denial of an authorized transaction. I am requesting a formal written response and full documentation of the investigation. Sincerely, XXXX XXXX Sent from my XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
In reference to my complaint filed with your agency on XX/XX/year> I included a company called XXXX. After speaking with XXXX Attorney XXXX XXXX XXXX XXXX XX/XX/year>, It comes to find out XXXX was not the company as the furnisher who sent this false info to XXXX and XXXX credit bureau. It was the bad and deplorable unprofessional Attorney by the name of a XXXX XXXX XXXX XXXXXXXX XXXX located in XXXX Ga XXXX. It comes to find out it was the so called debt collection company owned by XXXX XXXX XXXX that's called National Credit Systems Inc, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ( XXXX ) XXXX ( documentation attached/uploaded on CFPB website XXXX This horrible unprofessional bas lawyer has failed to contact both National Credit XXXX to rectify his mess he has caused. I filed complaints against this bad lawyer back in XXXX of 2026 for unprofessionalism practices. I am going to refer back to the State Bar of Georgia Office of the General counsel. I have decided to file a {$200000.00} law suit thus ask the Bar Association to stop this bad lawyer from practicing law in the US and the state in the US he is certified to practice law. This is a very bad unlawfully guy. He needs to be stop from doing any kind of debt collection due to placing this wrongfully information on to my personal national credit reports. Can you imagine how many consumers lives he has wrongfully ruined .. with this horrific practicing. I am asking your agency to also go after this guy for the same failure which is legally follow federal Fair credit laws. please stop him. Although XXXX has issue me a letter stating that he has closed my collection case due to XXXX XXXX no longer having contact with him about my XXXX XXXX issue. XXXX is failing to contact both National credit XXXX to fix the mess he has made informing both credit bureaus XXXX and XXXX asking the credit bureau to immediately to remove the false collection information he has place on my personal credit reports. This bad lawyer has broken US fair credit laws and should be disbarred. If your agency would look at the credit reports I have uploaded you will review that XXXX XXXX correct their info on my XXXX credit reports. XXXX XXXX never reported this to XXXX XXXX was the person who did this bad thing of reporting to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I have spoken with team lead XXXX 3 times. I asked her maybe she doesnt know whats going on .. she may need to get upper management involved she says she sent emails to escalation dept .. each time she calls me its always the same thing. Im frustrated I have no idea why this is so difficult I work in mortgages. I need help to proceed with a work out to get back on track

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
Was told that I owed money to an apartment that I have never stayed in or a city I never lived in for XXXX dollars.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Went to XXXX XXXX XXXXn XXXX Texas to make a purchase for XXXX. The employee asked would you like a XXXX XXXX XXXX? Would you like to apply? I said no I use XXXX XXXX I always use XXXX XXXX so she ran up my merchandise I paid got my receipt I left XXXX days ago. I receive a letter from Best Buy credit services saying that they had to deny my request for a XXXX XXXX XXXX XXXX which I never applied for and I told their employee do not run my Social Security number. I use XXXX XXXX but she did it anyways is there any legal action I can take against XXXX XXXX This affected my 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 non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Called to let them know this is incorrect and send me the debt confirmation. Never received anything. They still emailed even though I requested them not to. Also requested a 1099-C form. That they have listed as charge off on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OCEANFIRST FINANCIAL CORP.
State: NY

Complaint narrative:
To the Consumer Finance Protection Board I am now homeless for a fourth consecutive day. Since having to check out of a hotel room I reserved for 7 nights ( XXXX ), I have been without access to all ( two ) debit cards and my virtual wallet with the OceanFirst Bank . Without notice, twice during the week, the bank decided to remove me from using both debit cards only to reverse their decision, until the third and final time. Leaving me without access to the wallet for food, transportation, lodging, etc... I walked more than seven miles and hurt my feet and back in the process. Ending the night in a hospital emergency, questioning why all agencies were so repetitive, misleading, and insufficient in their efforts. One place always led to the other, just like one phone call always resulted in waiting for the next. Furthermore, phone calls aiming to resolve the issue were comically robotic. Without any money, the operators insisted ( and still do ) that I leave XXXX and get a peace of plastic from one of their bank offices to prove that it is me. After questioning they'd revert to advising me to leave the place. Predictably, while on the streets without transportation access, I missed a bus out of the state, not just the city. I have missed the bed and warmth of the hotel room reservation in midtown XXXX that I paid for. Finally, as a resolution Id like for the bank to reimburse the costs of the missed hotel reservation, the missed bus, the trouble they caused my mother, the hotel expenses for : cold temperatures, blisters on my feet, the XXXX XXXX, and the damages they are causing as I continue to lose trust altogether in the system, their employees who inconsiderately ask the same questions. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SPP, Inc.
State: TX

Complaint narrative:
I paid off my account to XXXX XXXX on XX/XX/year>. Today, I received a call from a mediator attempting to collect on an account that has already been paid.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( VIN : XXXX ) from Carvana, LLC, with financing serviced by XXXX XXXX XXXX. The contract includes a mandatory " {$1200.00} XXXX XXXX XXXX '' fee ( Page XXXX of the attached contract ). This fee was required to complete the sale. Under the Truth in Lending Act ( TILA ) and Regulation Z ( 12 CFR 1026.4 ), any mandatory charge imposed by the creditor as an incident to credit must be treated as a Finance Charge and disclosed accordingly. Carvana excluded this {$1200.00} fee from the Finance Charge entirely. The contract shows a Finance Charge of only {$19000.00} ( Page XXXX ), which is calculated purely on interest. By omitting this mandatory fee, Carvana understated the true cost of credit and disclosed an artificially low Annual Percentage Rate ( APR ). On XX/XX/XXXX, I sent formal settlement demands via Certified Mail to both Carvana and XXXX, detailing these TILA violations and invoking the FTC Holder Rule ( 16 CFR 433 ), which makes any assignee subject to all claims against the seller. Carvana received my certified letter on XX/XX/XXXX ( XXXX tracking attached ). As of today, Carvana has failed to respond in any manner whatsoever. XXXX received my certified letter on XX/XX/XXXX ( XXXX tracking attached ). On XX/XX/XXXX, XXXX responded ( attached ) by denying any violation without addressing the specific {$1200.00} fee issue, ignoring the FTC Holder Rule entirely, and claiming my contract remains " valid, binding, and fully enforceable '' while refusing to engage with the substance of my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
Yes they said account was verified but they didnt give me the exact steps that they used to verify an also Im using 15 usc 1692c ( c ) this shows that they can not use this debt its not mine I filed dispute on all my negative account there not mine an I would like them deleted from my credit report

Company response to consumer: Closed with explanation