vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I overdrafted my Truist account with an automatic withdrawal. I checked their website which states there are no overdraft fees for checking accounts. When I contacted to bank and said that, they claimed I had a different type of checking account called " essential checking '' that only allows one forgiven fee every 2 years. No where in there paperwork or terms of service do they state this, nor is there any product that I can find through there website called an " essential checking account '' which provides what the terms of the account are. It seems downright fraudulent to advertise " no overdraft fees for checking accounts '' and then do the exact opposite.

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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC
State: PA

Complaint narrative:
The company named lencred posed as a business consultant firm that could help finance new startups but instead that overrun your personal credit lines with applications that you are not eligible for and which drops your credit score and inturn charge you thousands of dollars for ruining your credentials as well as crippling your business start up I told them that there program wasnt for me and they went against my instructions and ran my credit lines without my permission which caused my company to fail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
company tried to collect debt and refuse to explain who its from. They post this on my credit report and I am not sure if they sent any previous communication.

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 2026-03-09 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: NC

Complaint narrative:
I am submitting this complaint because Equifax continues to report inaccurate and potentially unverified information on my credit report. I previously disputed the items listed below but have not received sufficient documentation verifying the accuracy of the information being reported. The following charged-off account is currently reporting : XXXX Account ending in XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX I requested that Equifax verify this account with the data furnisher and provide documentation supporting the reporting of this account. However, Equifax has not provided any proof showing how this account was verified or that the information is complete and accurate. In addition, the following inquiries appear on my Equifax credit report, and I do not recall authorizing them : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I did a HELOC loan back in XXXX or XX/XX/year>, and I was asking to also have my ex wife removed from my title and loan of my home. I was under the impression that both were done when I did the loan. I called last week about a payment question, and was notified that my ex wife was still on the Title and the Loan of my home. After getting to the right person to research everything, I was notified that they had removed my ex wife from the title but not the loan. I have emails requesting that she was removed from both the Title and the Loan. I reached out to XXXX XXXX at Rocket Mortgage and she informed me that they told me I could refinance my home to get my ex off of my home loan. They never offered any other options to get her off of my loan and did not make it clear to me that she would not be removed from the loan. I feel like they mislead me to get their bonuses on getting more refinances and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am a graduate student disputing a {$3900.00} ambulance bill from XX/XX/XXXX. I am filing this complaint because Credence Resource Management ( XXXX ) has admitted to significant administrative and legal errors on a recorded call, yet they continue to pursue this debt while ignoring my formal dispute. 1. Admission of Billing Negligence During a recorded call on XX/XX/XXXX, a manager at XXXX admitted that while the original medical records were correct, XXXX 's internal database had an incorrect Date of Birth ( DOB ) for me. This error caused my insurance ( XXXX XXXX, Subscriber : XXXX XXXX ) to reject the automated eligibility check. XXXX admitted they never filed a formal/manual claim to correct their own clerical error, thus depriving me of my insurance benefits. 2. Violation of FDCPA ( Lack of Notice ) In the same call, the manager admitted that the original provider sent notices to a " non-deliverable '' address and that XXXX had been mailing notices to XXXX, CA. I reside in XXXX XXXX, CA. Because XXXX sent legal notices to the wrong city, I never received the mandatory 30-day " Validation Notice '' required under 15 U.S.C. 1692g. 3. Inadequate Investigation I sent a detailed formal dispute letter citing these admissions. On [ Date ], XXXX replied with a boilerplate letter stating the " charges are valid '' without addressing the specific mailing errors or billing negligence I raised. They failed to provide the itemized statement or proof of mailing I demanded. 4. Deceptive Practices & California SB 1061 During the XX/XX/XXXX call, the agent attempted to coerce payment by mentioning " damage to my credit. '' Under California SB 1061 ( Civil Code 1785.27 ), it is illegal to report medical debt to credit bureaus in California. Threatening an illegal action is a violation of the Rosenthal Act and the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
I obtained a loan from Speedy Cash with an original principal amount of {$2000.00}. Due to extremely high daily interest charges, the balance has rapidly increased to approximately {$3000.00} in a very short period of time. I contacted the company to request a payoff quote and to discuss hardship assistance because I am experiencing financial difficulty. During my calls, I specifically requested that the interest be frozen or that the company provide a reasonable payoff amount so that I could resolve the account responsibly. However, the representatives refused to freeze the interest or provide any reasonable resolution. Instead, I was told that the balance would continue to increase unless I paid the full amount immediately. I was also told that my only option would be to allow the account to become past due and eventually go to collections before any alternative options could be considered. This places me in an extremely difficult position because the balance continues to grow daily due to interest, making it impossible to catch up or resolve the loan. I am attempting to resolve the debt in good faith, but the lender is refusing to work with me while the balance continues to increase beyond the original loan amount. I am requesting that this account be reviewed and that Speedy Cash be required to : Freeze all additional interest and fees Provide a reasonable payoff amount Offer a hardship payment plan or settlement option I am simply trying to resolve this loan responsibly, but the lenders refusal to stop the escalating interest or offer reasonable options is creating an unfair and unsustainable situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Complaint Regarding Midland Credit Management Failure to Provide Payment Agreement and Threat of Bank Levy I am filing a complaint regarding Midland Credit Managements handling of a debt collection matter and what I believe may be unfair or deceptive collection practices. Midland Credit Management sent me a service letter regarding an alleged debt. After receiving the letter, I promptly contacted their office to address the matter. During that call, we agreed to a payment arrangement, and I made the first payment as requested. During the same call, the representative informed me that Midland Credit Management would send a written agreement for the payment plan that I needed to sign and return. However, I never received this letter. Because the letter never arrived, I waited for the documentation before proceeding further. I later contacted Midland Credit Management again to notify them that I had not received the agreement they said they would send. Despite this follow-up, I still did not receive the promised documentation. Now Midland Credit Management is threatening to levy my bank account even though I attempted to resolve the matter in good faith, entered into a payment arrangement with them, and made the first payment as requested. I am concerned that Midland Credit Management failed to provide the promised written agreement for the payment arrangement and is now escalating collection actions without giving me the opportunity to comply with the terms they described. I am requesting that this matter be reviewed to determine whether Midland Credit Managements actions violate fair debt collection practices, including the failure to provide agreed-upon documentation and the threat of bank levy despite my attempt to comply with a payment plan. I am willing to cooperate fully and provide any documentation of payments or communications if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc.
State: FL

Complaint narrative:
I received a letter in the mail from TriVerity dated XX/XX/year> attempting to obtain a debt of {$610.00}. This debt does not belong to me and I have no relationship with the credit union referenced in the letter. I went on the CFPB website, dowloaded a sample dispute template, and drafted a letter explaining that I have no responsibility for this debt and to mail me any documentation that would make the company believe I am responsible. I mailed the letter to TriVerity via Certified XXXX mail on XX/XX/year>. I mailed the letter to the mailing address listed on the letter I received from TriVerity. As of today, XX/XX/year> XXXX tracking says that the letter is sitting in TriVerity 's P.O. Box and that the company has not yet picked up the item. I have not received any additional correspondence from the company to date. Since the letter I sent has not yet been picked up, I am concerned they will continue to try to collect and/or report a debt that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ZIONS BANCORPORATION

Complaint narrative:
I have a mortgage loan with Zions Bank and I have been making my mortgage payments regularly. My previous email address and mailing address are no longer valid, so I requested to update my contact information in order to receive important documents such as my Form XXXX. Zions Bank instructed me to fax my identification along with a request to update my email and mailing address. I faxed the requested documents. They later told me that my signature was required for the change to take effect, so I faxed the documents again with my signature. I was told that the update would be completed within three business days. However, my contact information was never updated. I still have not received my Form XXXX, my mailing address and email address remain unchanged in their system, and I am still unable to log in to my mortgage account. I have called the bank multiple times to follow up. Each time I am asked many verification questions, but my email address is still not updated and I still can not access my mortgage account. This issue has been ongoing for over a month with no progress. I am extremely frustrated. I am continuing to make my mortgage payments but I can not access my account or receive important mortgage documents. I am requesting that Zions Bank immediately update my email and mailing address, restore my access to my mortgage account, and provide my Form 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 2026-03-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is NOT a duplicate of CFPB Complaint No. XXXX Chase incorrectly marked my prior complaint as duplicate, but the violations described here are new, independent, and occurred AFTER my earlier filing. This complaint concerns : NEW post-petition foreclosure actions after Chase had full notice of my bankruptcy filing. Ongoing active foreclosure auction listings as of XX/XX/year>. NEW post-petition mortgage billing statements issued by XXXX. NEW attorney enforcement letters sent after the bankruptcy stay was in effect. Chases post-petition removal of my XXXX XXXX case to federal court without stay relief. Chases post-petition Motion to Dismiss filed in XXXX XXXX, again without stay relief. Continued publication of foreclosure information, causing third-party harassment, skip tracing, and fraud attempts. Failure to correct or withdraw illegal foreclosure activity, despite notice. These events did NOT exist at the time of my earlier CFPB complaint and therefore can not be a duplicate. Chases classification of my prior complaint as duplicate was incorrect and appears designed to avoid addressing clear bankruptcy stay violations. I am uploading new evidence that did not exist prior to the earlier complaint. I request : A full investigation A requirement that Chase provide a complete, non-duplicate response Review of ongoing bankruptcy stay violations Immediate cessation of all foreclosure activity Correction of all public postings and credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I never got a contract ask for it dint get it i ask for a pay, ment history pay off amount and balance due are all different there discrepancys in were my payments were apply to never did they told me my apr was so high

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested the following items Loan agreement/ promissory note Payment history showing the {$30000.00} you paid Bank statements proving payments Any repossession notice Emails or letters from the lender Account statements showing how payments were applied When I made a payment I asked the gentleman who took my payment what I owed and I wash in complete shock when he told me the same amount I originally took the loan out in. This is very deceptive and unfair loan practices. I have not been informed at all although I have requested in writing twice and 3 times via phone calls to see the structure of this loan. Instead they just want to repossess my boat after I made close to half of my payments.

Company response to consumer: Closed with explanation