vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: MO

Complaint narrative:
Subject : Dispute Regarding Voided Debt for Account # XXXX I am filing a formal complaint against Revco XXXX XXXX XXXXXXXX and XXXX XXXX, XXXX regarding an incorrect billing and debt collection matter. Chronology of Facts XX/XX/XXXX : I terminated my internet service with XXXX XXXX, returned the equipment, and made my final payment of {$80.00} for Account # XXXX. XX/XX/XXXX : XXXX XXXX employee XXXX XXXX voided partial invoice # XXXX in the amount of {$100.00}. The system log states the reason as : " canceled services XX/XX/XXXX. '' XX/XX/XXXX : XXXX XXXX representative XXXX XXXX documented the following account note : " we do not have a balance remaining on the account and that we were all cleared out. '' XX/XX/XXXX XXXX XXXX Despite the invoice having been voided in XX/XX/XXXX, collection activity continued and resulted in a payment of {$100.00} being collected in XX/XX/XXXX ( {$100.00} plus a {$5.00} fee ). As a non-native XXXX speaker, I did not fully understand the collection terminology used during the phone call and believed payment was required to resolve the matter. Direct Dispute Attempts XX/XX/XXXX : I emailed Revco Solutions documentation showing that XXXX XXXX 's records reflected a {$0.00} balance. XX/XX/XXXX : A Revco XXXX representative confirmed by telephone that my email had been received but directed me to contact XXXX XXXX. A second representative ( XXXX, ID XXXX ) also stated that she could not assist with the matter. XX/XX/XXXX : I visited the XXXX XXXX office. XXXX XXXX informed me that my account no longer existed in their active system and stated that XXXX XXXX could not provide a clearance letter or issue a refund. XXXX XXXX XXXX XXXX 's own records show : Account balance : {$0.00} Invoice # XXXX was voided Account note stating : " we do not have a balance remaining on the account and that we were all cleared out. '' These records appear inconsistent with the subsequent collection and payment of the same amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint against XXXX ( PayPal , Inc. ) regarding an ongoing, unresolved technical issue and account restriction that prevents me from utilizing their financial services. I have a brand-new, valid debit card issued by my financial institution. Every single time I attempt to add this card to my XXXX wallet under my account, the application immediately blocks the action and displays an generic error message. I have attempted this multiple times, and it fails consistently. The card is active, has sufficient funds, and my card issuer has confirmed there are no holds, restrictions, or address/ZIP code mismatches on their end. The block is originating entirely from XXXX automated security filters or a technical glitch within their payment method interface. By consistently throwing an error and refusing to let me link a legitimate payment method, XXXX is unfairly restricting my access to my funds and preventing me from using their peer-to-peer payment platform. XXXX automated system is malfunctioning by misidentifying a brand-new, valid debit card as an error, and the lack of transparent error resolution leaves me with no way to correct it. I request that XXXX manually review my account, identify the specific backend flag or security block causing this repetitive error, and clear it so that I can successfully link my debit card and use the platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I paid off my vehicle loan with Citizens Bank in XX/XX/XXXX. At the time of payoff, I was informed that a notarized lien release would be sent to me. I received the lien release letter and took it to the XXXX DMV, but I was unable to obtain a clear title because the lien is still showing as active in Florida 's electronic title system. I contacted the XXXX DMV and the state title office, and both advised that the lender must electronically release the lien before the title can be cleared. Despite the loan being fully paid, Citizens Bank has not completed the electronic lien release. This issue became urgent after I was involved in a car accident and my vehicle was declared a total loss. My insurance company, XXXX, is unable to finalize my claim and issue payment because the electronic lien remains on record. I contacted Citizens Bank along with XXXX to resolve the issue. Citizens Bank stated that there is no lien on their end and offered to provide XXXX with the notarized lien release. However, I explained that the problem is not the paper lien releasethe electronic lien is still active in Florida 's system. Both the DMV and the state title office confirmed this. On XX/XX/XXXX, Citizens Bank advised that they would open a case with their back-office department to resolve the electronic lien issue . I was initially told the matter would be resolved within three business days. When I followed up after three business days, I was told the case was still pending and to wait an additional five business days. After waiting five business days, I called again and was informed that the case was still pending. Representatives were unable to provide any updates, direct contact information for the department handling the case, or a timeline for resolution. I was told that the back-office department does not communicate directly with customers and that I would need to continue calling for updates. I requested escalation and spoke with a supervisor, but no additional information was provided. The supervisor stated they would attempt to contact the back-office representative and request a callback. Despite multiple follow-up calls, I continued to receive the same response : the case was pending with no updates, notes, or estimated completion date. As of today, more than 10 business days have passed since the case was opened, and I still have no resolution. This issue should have been addressed when the loan was paid off in XX/XX/XXXX. Citizens Bank 's failure to properly release the lien electronically is now delaying my insurance settlement and causing financial hardship. I am requesting that Citizens Bank immediately complete the electronic lien release with the State of Florida and provide written confirmation once the lien has been removed from the state 's title system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not acknowledging or in acceptance of the debt. I am requesting validation of this debt and ask that you provide documentation sufficient to verify the obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services is reporting a collection account on my XXXX, XXXX, and XXXX credit reports with a balance of {$540.00}, opened XX/XX/XXXX. I do not acknowledge ownership of or liability for this alleged debt. I submitted a written dispute and validation request to Credit Collection Services on XX/XX/XXXX pursuant to FDCPA 15 U.S.C. 1692g ( b ). As of XX/XX/XXXX, over 15 months later, Credit Collection Services has not provided any lawful validation and continues to report this account to all three credit bureaus. VIOLATION 1 FDCPA 15 U.S.C. 1692g ( b ) : Upon written dispute, all collection activity including credit reporting must cease until proper validation is provided. Credit Collection Services has continued to report for 15+ months without validation. VIOLATION 2 FCRA 15 U.S.C. 1681s-2 ( b ) : As a furnisher, Credit Collection Services is required to investigate disputes and delete or correct unverifiable information. They have failed to do so. VIOLATION 3 FCRA 15 U.S.C. 1681i : This account remains unverified and must be deleted from all consumer credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: ME

Complaint narrative:
My mortgage lender is XXXX XXXX XXXX, and my loan is subserviced by ServiceMac , LLC. On XX/XX/year>, I successfully made a mortgage payment. Immediately afterward, I attempted to make an additional payment to cover my upcoming XXXX mortgage payment.The online payment portal blocked the transaction and displayed the following error message : " Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. " The error message remained on XX/XX/year>, and the system has completely locked my online payment portal access ever since.Because the computer system locked me out while my account was fully current, I was forced to call customer service. Over the last 90 days, ServiceMac has completely refused to fix this technical portal error. Furthermore, phone staff and management have intentionally refused to accept my manual payments, completely cutting off my ability to pay.Because they blocked all safe ways to pay, the companies have artificially and intentionally forced my account into default. During phone calls, staff kept me on hold for hours, threatened to force my home into foreclosure, and explicitly stated that if I contacted the Attorney General, they would refuse to speak with me entirely. Representatives also mocked my documented XXXX, severely impacting my mental health.While my account was still completely current in XXXX, an inspector was sent to take photos of my home. In XXXX, another individual was sent who took photos of my home again causing emotional harm to my children, severely distressing them. I have comprehensive call recordings, screenshots of the computer system error, and physical documentation of all these events.

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 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My loans were on mixed repayment plans. XXXX large ones were on standard repayment plans I requested back in XXXX. A XXXX cent loan ( yes, {$0.00} ) I had previously struggled with Nelnet over was on an old XXXXnded Graduated Loan. I have previously tried to pay this off and the balance was instead applied to the interest, resulting in no payment due on this loan until XXXX. On XX/XX/XXXX, an audit changed my repayment plan to put all of them on the same plan. XXXX loans on Standard Repayment totaling {$23.00}, XXXX were moved to Extended Graduated Repayment plan that the XXXX cent was on. The change reduced my monthly payment but increased my repayment term by approximately 18 years. The change increased projected future interest by approximately {$17000.00}. I did not request this change. I was not notified before the change. The audit could have resolved the inconsistency by moving the {$0.00} loan to Standard Repayment instead. The chosen resolution appears contrary to my documented repayment history and stated preference for accelerated repayment. Nelnet has applied to have my larger loans returned to their previous Standard Repayment plan and an account specialist helped me pay off the XXXX cent loan that I had previously been told was " difficult to resolve '' back in XXXX. So they addressed those issues. The broader problem is auditors making changes to my account without my authorization which increases my loan terms by at least 8 years and also increases my interest payments by {$17000.00} dollars. Those are substantial changes to my account and contrary to the plan I intentionally put in place in XXXX. At the very least, my consent should be needed to make those kinds of changes- not changes made and a letter sent later informing me of said changes. When I asked for more information so I could follow up with complaints I filed with Nelnet, I was told I would need a federal subpoena to see records on my own federal loan account. Clearly transparency and access are an issue, along with auditors making decisions in the best interests of borrowers- not Nelnet XXXX I would like to say that both representatives I spoke with were polite and worked to resolve my issue. They were unfortunate enough to receive my case and did was they could. I don't hold them responsible for their company 's decisions and policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Around XXXX of this year, a fraudulent charge was noticed on my Wells Fargo billing statement. I promptly contacted the fraud department of the card and reported it as fraudulent. The person on the phone then told me that they will have to send me a new card and cancel the old card. Then they transfered me to another department, then that representative told me that they will send a letter in the mail after investigating. Nothing was received in the mail after that call. I have called back multiple time to follow up and even made new claims since the callers did not find any claims on file in the past. I am now receiving notices that they are closing all of my bank accounts and credit cards and have not resolved the fraud claim I made.

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 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit report.I have reviewed my credit reports and found that this account is being reported with late payments that I dispute as inaccurate/unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit report.I have reviewed my credit reports and found that this account is being reported with late payments that I dispute as inaccurate/unfair.

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 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing a complaint regarding repeated mortgage escrow servicing errors by U.S. Bank. Over several months, the bank provided multiple inconsistent and incorrect escrow analyses, which I repeatedly questioned and asked to have corrected. Despite my efforts, I now have a significant shortage that I believe was caused by the banks errors, not by any failure on my part to make required payments. The escrow analyses were inconsistent over time : a XX/XX/XXXX analysis showed an overage of {$2100.00} ( which I questioned multiple times because it did not appear correct, but I was told it was accurate ), a XX/XX/XXXX analysis showed no overage or shortage, a XX/XX/XXXX analysis showed a shortage of {$10000.00}, and a XX/XX/XXXX analysis showed a shortage of {$7200.00}. I made repeated calls on XXXX, XXXX, XX/XX/XXXX, and XXXX, spending hours on the phone with escrow, tax, customer service, and escalation representatives. I received a written response, on XX/XX/XXXX, to a complaint I filed with US bank and they took credit for all the investigation I did and did not take any responsibility for the repeated escrow servicing errors. It should not have taken me initiating multiple calls to US bank to resolve the escrow inaccuracies. This problem would not have occurred if I would have been paying my real estate taxes on my own. US bank is supposed to be the expert in managing this account and as described above they ( US Bank ) caused me significant financial hardship due to the significant increase in my mortgage payment. Please contact me if you would like to see the email correspondence and copies of all the escrow analyses since they include personal information.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource Management is reporting a collection account on my XXXX and XXXX credit reports with a balance of {$270.00}, opened XX/XX/XXXX. I do not acknowledge ownership of or liability for this alleged debt. I have never entered into any contractual agreement with Credence Resource Management. I submitted a written dispute and validation request pursuant to FDCPA 15 U.S.C. 1692g ( b ). As of XX/XX/XXXX, Credence Resource Management has not provided any lawful validation and continues to report this account to my credit files. VIOLATION 1 FDCPA 15 U.S.C. 1692g ( b ) : All collection activity including credit bureau reporting must cease upon receipt of a written dispute until proper validation is furnished. Credence Resource Management continues to report without providing validation. VIOLATION 2 FCRA 15 U.S.C. 1681s-2 ( b ) : As a furnisher of information, Credence Resource Management is required to inve stigate this dispute and delete or correct any information that can not be verified. They have not done so. VIOLATION 3 FCRA 15 U.S.C. 1681i : This account remains unverified. Federal law requires deletion of unverifiable items from consumer credit files. Note : Each month this unverified account remains on my credit file constitutes a separate actionable violation under 15 U.S.C. 1681n, carrying statutory damages of {$100.00} to {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
To the Executive Legal Compliance and Trust Administration Departments of Citi Bank : I am writing to formally demand a comprehensive historical archive search for all accounts, trusts, and fiduciary relationships associated with my Social Security Number and name. I am a victim of fiduciary fraud and identity theft. I have recently uncovered through official Social Security Administration transcripts that unauthorized accounts and fraudulent pay records were established under my identity in XXXX. Furthermore, I have historical evidence of Schedule K-1 and Form 1040 tax documents being filed under my SSN during my youth. I am the rightful beneficiary of these trust funds, which were legally mandated to be distributed to me. I have reason to believe these funds were withheld, diverted, or hidden within your institution without my knowledge, consent, or signature. Because front-line customer service representatives lack the system access to view closed or archived records from XXXX, I am exercising my rights under federal identity theft regulations to demand that your Corporate Fraud and Tax Compliance divisions conduct a deep-system archive search for : Any closed, active, or archived checking, savings, brokerage, or trust accounts tied to my SSN. Any accounts where I am listed as a Beneficiary, Minor ( XXXX ) XXXX or Grantee. Any Forms 1099, 1041, or Schedule K-1 issued by your institution under my SSN between the years XXXX and XXXX. Please provide a complete written response and copies of all matching historical account applications within 15 business days.

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 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC
State: MO

Complaint narrative:
Company Name : RISE Credit ( XXXX XXXX XXXX XXXX ) Description of Issue : I am submitting a complaint against RISE Credit for predatory billing and collection practices. On my XXXX day past due, XX/XX/2026, at approximately XXXX XXXX CST, I attempted to make a full payment online using my debit card " DDC '' to bring my account current. The online portal actively blocked me by greying out the calendar. I attempted to resolve this again on XX/XX/2026. They refused to accept electronic payment and stated I had to call them instead. Because they blocked my ability to pay on day 29, the company let the clock run out. They aggressively charged off my account around day 59 and said they sold it to a debt collection agency just days later. RISE Credit intentionally manufactured this default by blocking my online access, resulting in a severe, unfair charge-off penalty on my credit report. I have attached the screenshot of my email interactions with them and their payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding collection accounts appearing on my credit report that do not belong to me. I actively monitor my credit, and these accounts were reported without my knowledge or authorization. I have never had any involvement with or approved these accounts, and it is unacceptable and concerning to see inaccurate information associated with my name. I am requesting an immediate investigation and prompt correction of this matter without delay.

Company response to consumer: Closed with explanation