vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
.The statement below best describes the issue A scammer called me on XX/XX/year>2026 and stated they were on a recorded line from XXXX XXXX and that some one was using my card in XXXX XXXX XXXX TX XXXX asked was I in XXXX XXXX XXXX Tx XXXX said no They asked what was my last transaction I said I was in TN they said they can see that They asked me to open my account and see if there were any other transactions that were incorrect They said they were sending me out a new card but would send one to my wallet They said they couldn't transfer the large amount so they asked me if I had Cash App and to transfer the money to CashApp so they could provide a new account card They then gave me the card number to transfer the funds to and assured me this was my new XXXX XXXX card and they were on a recorded line When the money was transferred they said it would be placed back into my account by XXXXXXXXXXXXpm and that they would call me. 

They asked if I had an Apple wallet I said yes They said I would have to transfer the funds to my XXXX wallet When the funds were not transferring they said to transfer for it to my Cash App trans they would give me a XXXX XXXX card to transfer it to They gave me a number and I put the number in bc they said they were XXXX XXXX on a recorded line. 
I transferred the {$4100.00} dollars and they said they would transfer to my XXXX XXXX account within an hour and never di I made the transaction because they impersonated XXXX XXXX and they and the number they called me from said XXXX XXXX XXXX are the screenshots of the number they called from stating they were XXXX XXXX as well as the length of time they spoke with me and transfers the funds from my account to their account although they said and showed on my phone that they were XXXX XXXX. 

Please refund me the {$4100.00} as it was stolen from me by scammer impersonating themselves as XXXX XXXX. Thank you for your prompt assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
As a consumer I've requested all of the following and got nothing debt validation 100 % accuracy of the debt as well Source Receivables Management Acct # XXXX Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kingston Financial, LLC
State: NY

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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: Untimely response
Consumer complaint received 2026-02-17 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: FL

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 2026-02-17 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: MI

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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I am submitting this complaint regarding XXXX, XXXX in connection with the financing and sale of a motor vehicle that was materially misrepresented and delivered in a defective and unsafe condition. 

On or about XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX through XXXX XXXX. The vehicle was advertised and represented as being fully inspected, in good mechanical condition, and suitable for normal use. XXXX promotes a XXXX inspection and reconditioning process intended to ensure vehicle safety and reliability. 

Shortly after delivery, the vehicle exhibited significant mechanical defects and safety concerns that were not disclosed prior to sale. These issues required immediate diagnosis and repair and rendered the vehicle unsafe and unreliable for normal operation. The nature and timing of these defects indicate they existed at the time of sale. 

I promptly notified XXXX and attempted to resolve the matter in good faith. On XX/XX/XXXX, I communicated with a XXXX representative ( XXXX XXXX. Rather than fully correcting the problem, XXXX XXXX denied responsibility for necessary repairs and attempted to classify the issues as maintenance items. The company offered only a partial reimbursement of a deductible amount, which does not restore the vehicle to the condition represented at the time of sale. 

Because the vehicle purchase involved financing and consumer credit obligations, the undisclosed defects and misrepresentation materially affect the value of the collateral securing the loan and impose unfair financial harm on the consumer. 

XXXX actions constitute : Failure to disclose material defects at time of sale Misrepresentation of vehicle condition and inspection status Unfair and deceptive practices affecting a consumer credit transaction Shunting repair responsibility to the consumer despite pre-existing defects I have filed complaints with state regulatory agencies and initiated legal action to protect my rights. I am requesting that the CFPB review this matter and require the company to provide a fair resolution consistent with consumer protection standards. 

I am seeking : Full reimbursement of repair costs caused by undisclosed defects Correction of the vehicle condition to match representations made at sale XXXX that no negative credit impact results from this dispute Regulatory review of the companys practices affecting financed vehicle sales Supporting documentation is available and can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I was contacted by a fake Wells Fargo employee. The directed me to move my money into an XXXX XXXX, to protect myself. They stole my money, all my money, and the bank would do nothing about it.

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 2026-02-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX & XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$6700.00} XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$6700.00} XXXX XXXX XXXX : XX/XX/XXXX XXXX -> XXXX -- -> {$0.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX -- -> {$0.00} I HAVE NO ACKNOWLEDGEMENT NOR CONSENT OF THESE UNAUTHORIZED, FRAUDULENT, AND INACCURATE ACCOUNTS

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 2026-02-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXXreceived a call from XXXX Returned call after checking spam. Said he is XXXX XXXX for a charge sent to them - office of inspector General for a charge for XXXX XXXX on a XXXX card in my name from XXXX XXXX tx. Also another charge from address XXXX XXXX XXXX XXXX XXXX XXXX. 

2 serious charges on my social security number which he did not share He read a list of 9 banks one of which is one I do business with. 

I dont have a XXXX  card and did not make this charge. I refused to verify anything except my zip code at beginning of call. He asked if Id been to XXXX XXXX and if I had lost my identity cards recently. 

When I refused to give info verbally he said he would send it in writing and gave me a number to call back when I got written info XXXX Is this legit? What should I do now? 




Recorded line he said

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Co LLC
State: TX

Complaint narrative:
In 2021 my daughter was seen at an ER. We had medicaid. It was covered. The contracting doctor didn't attempt to bill medicaid until 6 months later. Covid was occurring and there were several laws in place protecting people. This was still reported to my credit. I had to go through hoops to get it removed. Medicaid and the collectors at that time communicated in a threeway call and explained that the Doctor failed to bill in time and waited to long. The doctor then tried to seek me to pay for my daughters ER bill but it was covered and then eventually removed and successfully disputed. Suddenly now, years and years later, it was able to be resubmitted?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am disputing a medical collection account in the amount of {$2500.00} being reported by Ability Recovery Services , LLC. 
I have no knowledge of this alleged debt and do not recall receiving medical services that resulted in this balance. I am not aware of any unpaid medical obligation from XX/XX/year>, which is listed as the date of first delinquency. 
I never received billing statements, validation notices, or documentation supporting this claim prior to it appearing on my credit report. 
I am requesting : The name and address of the original medical provider An itemized statement of charges Documentation bearing my signature agreeing to financial responsibility Proof that the claim was properly submitted to my health insurance Proof of assignment or transfer of the debt to Ability Recovery Services Confirmation of their authorization to collect in the State of Florida Until proper validation is provided, I dispute the accuracy and completeness of this account and request it be removed from my credit reports immediately.

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 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Rocket mortgage has been charging me {$40.00} in late fees monthly since XX/XX/year> for a total of {$2300.00} extra in fees. Payments have not been late. There system is claiming a missed payment in XX/XX/year>. I pay {$260.00} extra towards principal every month. Suddenly their system will not allow payment of extra principal. This is why I looked at the statements closer. " XXXX '' with no ID number claimed that they can only see the one false charge and would not look at other statements. He also claimed that there was no manager. He instead left me online while he waited for a manager and then hung up after an hour. I would like restitution without having significant extra work on my end. I am paying them for a service and their providing of the service has been fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been in the loan assumption process since 2023 with multiple delays from Chase Mortgage without the ability to speak to someone directly in the loan assumptions department. I divorced in 2023 and legally have rights to try to assume the loan from my ex-spouse. The loan is for less than {$650000.00} and I am a XXXX with steady salary of over {$350000.00} per year. I have had to reapply with a cosigner because I was originally denied after 9 months of back and forth. The cosigner XXXX XXXX also has steady income of {$250000.00}, over {$150000.00} in his bank account, and no debt other than car payment. I now have no debt, still making over {$300000.00} per year and Chase continues to request the same documents that have been sent in month after month. We have tried speaking with supervisor and escalating the case with no results or feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE 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 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
recently received a court order document from XXXX XXXX XXXX on the behave of LVNV Funding LLc which i have had issue with in the past CFPB complaint. I have ask that this LAw group provide me with a signed contract agreement ( LVNV ) in the past they have now entered into a lawsuit which is dated for XX/XX/year>. Asking that a pay the debit in full. I have told this company after researching I don't not have any agreement with LVNV FUNDIng LLC.. I have again only received a Credit CArd statement. I have ask the bureau to remove this item with thirty days if I was mot provided a signed a contract. I was served an court order document on a Saturday evening while eating dinner. I would like this matter review since I don't not live in the state in which this law group is collecting Nor have they furnished me with property documentation to validate the date- * * * * UPDATE * * as of XX/XX/XXXX this case was dismissed by the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Misleading Marketing and Inadequate Disclosure of Deferred Interest Terms ( Citibank / Best Buy ). 

I am writing to dispute a retroactive interest charge of {$1200.00} on my Best Buy credit card, issued by Citibank. At the time of purchase on XX/XX/XXXX, I was led to believe by the stores marketing and the sales associate that I was entering into a " 0 % APR '' promotional plan for 24 months. I was not clearly informed that this was a " Deferred Interest '' plan, which carries a predatory retroactive penalty if even a small balance remains at the end of the term. 
Under the CARD Act of XXXX, credit card issuers are required to provide " clear and conspicuous '' disclosures of promotional terms. I contend that : The distinction between 0 % APR and Deferred Interest was not made clear at the point of sale. 
The retroactive penalty ( charging interest all the way back to the purchase date ) was buried in fine print that contradicts the " No Interest '' headline marketing used by Best Buy. 
I have been a loyal customer and have made consistent payments on this account for two years. I am happy to pay the remaining principal balance, but the application of thousands of dollars in backdated interest due to a disclosure failure is unfair and deceptive. 
I would like to stay in good standing with citi bank and have no issue paying for what was purchased but a deceptive lack of clear disclosure on this promotional has made it difficult to remain in good standing. 

On the bottom of the receipt the deffered interest is mentioned using lowercase letters after a full capitalized letters not emphasizing the deffered interest charge.

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 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I am filing this complaint regarding Freedom Mortgage Corporations refusal to correct inaccurate credit reporting related to a XX/XX/year> payment on my mortgage loan. 

In XX/XX/year>, I initiated my monthly mortgage payment through Freedom Mortgages online payment system using my normal, previously successful payment method. At the time the payment was submitted, my bank account contained ample funds to cover the payment, which I have documented and provided. I did not receive any notification that the payment failed, was rejected, or was not successfully processed. 

The same payment method has worked successfully both before and after this incident. Based on these facts, the late payment appears to have resulted from an online payment processing or system error that was outside of my control, not from any failure or inability to pay. 

I disputed this matter directly with Freedom Mortgage and requested that they review their internal payment processing records and website transaction logs to determine why the payment did not debit. Instead of conducting a substantive investigation into the processing failure, Freedom Mortgage responded that my request was substantially similar to prior disputes and stated that their reporting remains accurate, without providing evidence that the late payment was caused by borrower action. 

To date, Freedom Mortgage has not provided : System or transaction records showing the status of the online payment submission Evidence that their payment platform was functioning properly at the time Documentation that a failed-payment notification was generated and delivered to me Proof that the late payment resulted from insufficient funds or nonpayment Under the Fair Credit Reporting Act, furnishers of information are required to conduct a reasonable investigation of disputed information. In this case, Freedom Mortgage has not demonstrated that it reviewed relevant internal records or determined the actual cause of the payment failure. 

This inaccurate reporting is damaging my credit despite my otherwise excellent payment history and documented ability to pay. 

I respectfully request that Freedom Mortgage : Conduct a thorough investigation of the XX/XX/year> online payment transaction, including review of system and processing records Determine whether the late payment resulted from a servicing or processing error outside of borrower control Correct or remove the inaccurate credit reporting if borrower fault can not be substantiated Provide written documentation supporting their determination I am willing to provide any additional documentation necessary to resolve this matter. 

Thank you for your assistance in facilitating a fair resolution.

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 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
The alleged debt arises from XXXX  services provided during a medically necessary XXXX XXXX at an in-network hospital. My health insurance was active at the time of service, and the facility and treating providers were in-network.

Under the No Surprises Act, patients are not responsible for balance billing for XXXX  services rendered at in-network facilities. Therefore, this debt is not legally owed by me.

Despite this, the account was improperly sent to collections and reported to XXXX. I disputed the account with XXXX, but it was incorrectly verified without proper consideration of the No Surprises Act protections.

I am requesting that the debt collector immediately cease all collection activity, correct any inaccurate credit reporting, and permanently remove this account from my credit file.

Company response to consumer: Closed with explanation