vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Trying to communicate with the company to fix an issue with the application process
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I am submitting a formal complaint regarding a notarial acknowledgment dated XX/XX/XXXX, recorded in XXXX XXXX as XXXX XXXX. XXXX ( Page XXXX of XXXX ). The file reference number at the bottom of the document is XXXX. XXXX ( XX/XX/XXXX ) The notary identified on the document is : XXXX XXXX XXXX XXXX as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the individual whose signature was purportedly acknowledged in this document, and I state the following : I did not personally appear before XXXX XXXX XXXX on XX/XX/XXXX. She did not notarize this document in my presence. At the time, XXXX XXXX XXXX was my employee at M & T Bank. The notarial seal identifies the municipality as XXXX of XXXX XXXX XXXX XXXX XXXX. To my knowledge, no such municipality exists. There is a XXXX of XXXX and there is XXXX XXXX, but they are separate municipalities and not combined. Additionally, there are serious irregularities on the face of the document : The handwritten commission expiration states : XX/XX/XXXX. The stamped notarial seal states : Commission Expires XX/XX/XXXX. Because the acknowledgment date is XX/XX/XXXX, the handwritten expiration would indicate the commission had already expired. Further, the document reflects crossover and altered naming. The inclusion and alteration of the name raises concern as to when and by whom the name addition was made. There are also recording irregularities. The instrument within XXXX XXXX records was altered by a crossed off mark and a name of XXXX XXXX was added as an operations employee. Who is this individual and why did this happen? This instrument was recorded and processed based upon a defective or false acknowledgment ; and the filing must not have been properly reviewed before acceptance for recording. Given the above, I respectfully request that the Department of State : Confirm the official commission dates of XXXX XXXX XXXX in XXXX. Confirm her recorded municipality of appointment at that time. Investigate whether a false acknowledgment was executed without personal appearance. Determine whether inaccurate commission information or municipal designation violates Pennsylvania notary law. Advise whether disciplinary review or referral for further action is warranted ; and A referral to the Attorney Generals Office review and prosecution. This acknowledgment was used to support the recording of a mortgage instrument affecting real property rights. The validity of the notarial act is therefore void.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: AL

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 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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: TX

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I shopped for an auto refinance for {$55000.00} over XXXX months after seeing multiple preapproved offers displayed through XXXX XXXX. The offers shown to me included XXXX at 4.94 % XXXX, XXXX at 5.04 % XXXX, and RateGenius at 5.15 % XXXX for the same XXXX refinance scenario. These offers were displayed as though they came from separate companies competing for my business. Because these companies were presented as separate lenders, I believed I was looking at a genuinely competitive market with multiple independent low-rate preapproved refinance options. That presentation was important to my decision to begin the refinance process. However, after following up, I learned that XXXX, XXXX, and RateGenius were not truly separate competing options in the way they were presented to me. They were effectively part of the same company or lending channel. As a result, what appeared to be a competitive market of several lenders offering strong rates was not actually a competitive set of independent offers. After I took action, the actual offers were materially worse than the rates displayed. On XX/XX/year>, I was told by an XXXX representative that the best actual rate available to me was 6.49 % APR for XXXX months on the same {$55000.00} refinance amount, materially worse than the 4.94 % rate shown earlier. XXXX also came back with an offer in the 6 % range after initially presenting a lower rate. On a {$55000.00} / XXXX loan, the difference between 4.94 % and 6.49 % is about {$40.00} more per month and about {$2400.00} more in total interest. My complaint is that XXXX XXXX and these companies presented XXXX XXXX, and RateGenius as though they were separate competing lenders, which created the impression that I had several independent low-rate preapproved offers in a competitive market, when in fact I did not. That presentation influenced my decision to pursue the refinance process. I am requesting a written explanation of why these offers were presented as separate competitive options, whether the displayed preapproved rates were actually available for a borrower with my loan scenario, and why the actual offers later provided were materially worse than the rates originally shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My father passed in XXXX. I am writing to file a formal complaint regarding the handling of a trust account administered by Wells Fargo. I am a beneficiary of this trust and have been attempting to obtain an early disbursement since the end of XXXX. From the very beginning of my request, Wells Fargo representatives repeatedly told me that they were unable to process the request because they did not have sufficient staff available to complete the work in a timely manner. Over the past several weeks, I have contacted Wells Fargo multiple times and have been given various explanations for the delay. These explanations have included statements that accounts needed to be set up, that tax matters needed to be reviewed, and that other administrative steps were pending before any disbursement could occur. However, approximately XXXX month ago I was informed that an early disbursement could be authorized simply by sending an email request for approval internally. Despite this information, Wells Fargo has continued to refuse my request for an early cash disbursement without providing a clear or consistent explanation. In addition, Wells Fargo has not answered my basic questions regarding the trust account itself. I have repeatedly asked for information about the current balance of the trust, including how much of the trust is held in cash versus other investments or assets. These questions have not been answered. I believe that Wells Fargo is failing to provide adequate transparency regarding the trust account and is unnecessarily delaying a decision regarding my request for an early distribution. The explanations provided have been inconsistent and have shifted over time, which has made it extremely difficult to understand the status of my request. Because of these delays and the lack of clear communication, this situation has caused significant financial stress. I am requesting that your office review Wells Fargos handling of this trust account and their refusal to provide clear information regarding the account and my request for an early distribution. Specifically, I am requesting that Wells Fargo be required to : 1. Provide a full accounting of the trust, including the total value of the trust and the amount currently held in cash versus other investments. 2. Provide a written explanation for the refusal to grant an early distribution. 3. Provide a timeline for when distributions will be available. 4. Review whether the delays caused by internal staffing shortages have improperly prevented timely administration of the trust. I appreciate your assistance in reviewing this matter and ensuring that the trust is being administered properly and transparently.

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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2026-03-09 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Complaint Against : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( if CFPB asks who reported it, include all bureaus showing it ) Subject : Reporting of Unverified Debt / Failure to Properly Investigate Disputes I am submitting this complaint regarding inaccurate collection accounts being reported on my credit file that have not been properly verified despite multiple disputes. The accounts are listed as follows : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$690.00} Date Opened : XX/XX/XXXX Status : Collection account reported as past due XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX Status : Collection account reported as past due I have disputed these accounts with the credit bureaus because I requested proper validation and documentation showing that I am legally responsible for these debts. The accounts were marked as verified, but no documentation was provided to me showing how the verification was completed. Under the Fair Credit Reporting Act, I have the right to receive accurate reporting and a reasonable investigation of disputed information. Simply stating that the accounts were verified without providing the method of verification or supporting documentation does not meet the requirements of the law. I am requesting the following : Provide full validation of both accounts Provide the method of verification used Provide copies of any contracts or agreements bearing my signature Provide proof that the debt buyer has the legal right to collect Remove the accounts if proper verification can not be provided These accounts are causing harm to my credit profile and financial stability, and I am requesting that this matter be investigated immediately. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. Sincerely, XXXX XXXX

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: CA

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
Online Car Purchase from XXXX XXXX XXXXXXXX XXXX for a XXXX XXXX XXXX XXXX XXXX down payment. I made XXXX payment using cash-app method in the amount of {$650.00} and {$750.00}. The XXXX payments was for the down payment and refundable insurance for the delivery of the vehicle. I received a tracking information and receipt and emails. I was suppose to received the car by XXXX that same day. I never signed any paperwork because they claim I would do that upon the arrival of the vehicle. Around XXXX on XX/XX/XXXX I still havent gotten any update so when I reached out they hit with an another claim to make a higher payment. I filed a dispute with Cash App and submitted all supporting documents just to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I am writing to formally report a missing refund of {$10000.00} that was issued to my PNC Bank personal savings account ( ending in XXXX ) approximately XXXX months ago. Despite my persistent efforts, this matter remains unresolved. Summary of the Issue : Origin of Funds : The refund was issued by XXXX XXXX via XXXX transfer XXXX months ago. Status : XXXX XXXX confirms the transfer was successful, yet PNC Bank claims to have no record of the deposit. T race Information : I provided the specific ACH trace number to PNC Bank, but they have failed to provide any substantive update or locate the funds. Bank Negligence and Poor Communication : I have contacted both institutions more than XXXX times in total. Specifically, PNC Banks response has been unacceptable : My inquiries were repeatedly " escalated to the operations department '' without any follow-up. I have been frequently disconnected or hung up on during transfers to other representatives. Most recently, this occurred today, XX/XX/XXXX, around XXXXXXXX XXXX This prolonged delay of XXXX months for a significant amount is causing me substantial financial hardship. I request an immediate investigation into the location of these funds and a formal response regarding this. Thank you for your prompt assistance in this matter.

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: Problem with the payoff process at the end of the loan — 
Company: Zip Co US Inc.
State: GA

Complaint narrative:
On XX/XX/year> I used Zip to finance a purchase through XXXX XXXX. The merchant sent the wrong item. I returned the product as instructed and the merchant confirmed receiving the returned package. After receiving the return, the merchant refused to issue a refund and gave conflicting explanations, including claiming the returned item was lost by their warehouse. I attempted to resolve the issue directly with the merchant and XXXX XXXX for over a month and filed multiple disputes. Despite providing documentation, the issue has not been resolved. Zip has declined to assist with the dispute even though I followed their instructions to attempt resolution with the merchant first.

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: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX 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: BTH Management
State: LA

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should 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 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: Medical Data Systems, Inc.
State: AL

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: Mortgage — Conventional home 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: FCI Lender Services Inc.
State: FL

Complaint narrative:
In pre foreclosure on modified home loan. Called a few times discussing the process how much time I had until foreclosure probably list house to sell. then drcided to borrow $ from family pay up balance current to prolong amount of time for the sale. the Received XXXX different statements from them over next 30 days saying {$4900.00} then XXXX then I called to get wiring instruction to pay the $ XXXX left message, They was closed over the weekend. XXXX Emailed another new amount of {$8600.00} on that Monday. I think they are not negotiating or being truthful in process or doing things in good faith. I am being taken advantage off during pre foreclosure process. I might have to file XXXX to stop this rogue operation to steal my $ XXXX equity.

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: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should 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