vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Marlette Funding, LLC
State: TN

Complaint narrative:
I was in a car accident on XX/XX/year>. My car was totaled by XXXX on XX/XX/year>. XXXX has been reaching out to XXXX XXXX since XX/XX/year> and I have also. XXXX XXXX either says they dont do a letter of guarantee, will only release the title to the XXXX , theyve already sent it, or they just cant help. We did a 3 way call on XX/XX/year> with myself, XXXX, and XXXX XXXX We were told again it has been sent 3 times. XXXX confirmed the email and informed them it has never been received. XXXX XXXX also said they sent me an email with the info, and I never got anything from them as well. We were told it would be another 3-5 business days. This has been ongoing since XXXX. I am still having to make this payment and interest just keeps accumulating. I am stuck with no car, no money, and no way to get another one util this loan is paid off. XXXX XXXX is making this as difficult as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I purchased a specific prom dress for my daughter using my Cash App debit card on XX/XX/year>. The dress that I received on XX/XX/year> was not the dress that I ordered. I reached out to the merchant XXXX XXXX about this issue beginning on XX/XX/year>. I sent numerous emails ( as this was the only method listed on their website ) to include pictures of what was received opposed to what was ordered l. XXXX XXXX replied on XX/XX/year> that they were going to issue a full refund on this issue. On XX/XX/year> I had to dispute a dispute with Cash App due to the refund from the merchant never being received and the merchant having stopped refunding to my emails. Cash App denied my claim after having received all evidence including the invoice that included a picture of the dress that was ordered, a picture of the dress that was received, all email correspondence from the company including the one where the company stated a refund would be issued, emails in which the merchant stopped responding to correspondence, and screenshots of complaints filed by me against the company with XXXX and the FTC. The website that was used to order the Dess does not exist any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: U.S. BANCORP
State: FL

Complaint narrative:
According to FCRA section 605B it is illegal t report information on my credit report without my permission. Please remove this item from r credit report thank you.

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 2026-05-18 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: MD

Complaint narrative:
I have held a PayPal business account for 16 years with no history of high-volume sales, chargebacks, fraud, or policy violations. My account has always been low-volume, used primarily for personal purchases and subscription services with minimal sales activity. A third party began sending me unsolicited money requests, which I did not initiate, did not accept, and ignored entirely. PayPal subsequently limited my account under their Acceptable Use Policy ( Case Reference : XXXX ). I contacted customer support twice ; both representatives reviewed my account, stated there was no legitimate basis for the limitation, and escalated for dispute review. Despite two escalations, I received only automated responses. PayPal then permanently deactivated my account and cited " High Tier '' status and a " High Volume Dispute fee '' classifications with no basis in my actual account activity. Their automated systems appear to have misinterpreted unsolicited inbound money requests as high-volume merchant transactions. PayPal has also stated they may hold funds for up to 180 days despite no outstanding disputes or financial liabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Mortgager- Fifth Third Bank Date of mortgage payoff- XX/XX/year> As of today XX/XX/year> we have not recieved our Escrow Refund Balance Check. We have made multiple points of contact with them to remind them and to let them know they are required by law XXXX to have it issued with in 20 days after closing. We are way past this threshold. Escrow refund check in the approx amount of {$4500.00}. We have ensured they have our correct address and contact information multiple times through the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have had this account for years and Everytime I get a large amount they try to close my account then once I dont use them they try to open the account back. I can not transfer funds, get a check sent or anything. Said they would do a review but didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NM

Complaint narrative:
I received a text message stating XXXX accessed my Chime account via a new device. I did not initiate this. I contacted Chime who denied the first dispute. Then I requested an appeal got a partial approval of XXXX. I sent a 3rd request with police report. I did not make these transfers I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB Complaint Statement I am filing this complaint against XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX XXXX XXXX has reported inaccurate and misleading information regarding my payment history to the consumer reporting agencies. This information is incorrect and has remained on my credit report for an extended period of time, despite multiple disputes submitted directly to the company and through the credit reporting agencies. Under the FCRA, specifically : * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. * 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, furnishers are required to conduct a reasonable investigation and correct or delete any inaccurate or incomplete information. * 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Despite being notified multiple times, XXXX XXXX XXXX has failed to conduct a proper investigation and has continued to report inaccurate payment history. Additionally, the credit reporting agencies have failed to correct or remove this information after being notified, further compounding the harm. As a result of these ongoing violations, I have been forced to live with inaccurate and damaging information on my credit report for several years.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I recently reviewed my credit report and identified fraudulent card and unauthorized inquiries that do not belong to me. These items are negatively impacting my creditworthiness and ability to obtain financing. I did not authorize these loans or inquiries, and I believe they may be the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these loans and inquiries from my credit report. Please provide written confirmation once these items have been 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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
XXXX has frozen or locked my account. I fell in front of the hospital because I come out of serious illness. I had to get a new phone because mine is broken. The telephone number would not switch so I had a new one. Somehow this lots of my account which is not fair. I have {$0.00} my bills are all due my water bill is due today. I'm on XXXX I have no way to go get any food or water I have no gas and I need my funds released. I have emailed venmo and PayPal several times and I have called the number several times and now I can not get through to a live person. I'm very afraid they're keeping my money and that's all I have. They keep telling me in XXXX hours it will work and that's been 7 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: STOCKTON MORTGAGE
State: KY

Complaint narrative:
I was never given a copy of of the FHA appraisal for which I paid {$550.00} prior to purchasing my home located at XXXX XXXX XXXX, XXXX, KY, XXXX. After recently experiencing both flooding and squirrel intrusion due to gaps in the roof, I requested a copy of your report from my lender. I realize that the appraiser identified two issues directly related to the issues I am experiencing with my home : " RAR : Improvements -.... ( 2 ) install handrail at both sections of the rear exterior stairs ; ( 3 ) install/repair missing flashing/molding at both sides of the exterior basement walkout door ; ( 4 ) Repair threshold of rear basement walkout door - currently light is visible on the interior indicating the potential for water ingress ; ( 5 ) repair gutter and/or flashing on the second floor, rear, left corner - the gutter appears too short and the flashing doesn't adequately cover the fascia to prevent water infiltration ; estimated cost to cure {$1500.00}. '' My seller did not make the gutter repairs, and did not disclose knowledge of these issues on the purchase contract. And my mortgage company did not provide a copy of the FHA inspection. Had I seen the FHA appraisal noting the gutter separation and need for repairs, I would have had the issue looked at, which presumably would have addressed the issues I am now encountering. Two companies have now said the gutters need replacement ( aprox {$3000.00} ), and XXXX has quoted me {$2000.00} to close off the gaps in the roof to prevent further rodent intrusion, and to lay attic insulation that also repels critters. ( I also learned that the attic was not insulated after the inspection. )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/year> I was charged for a purchase at " XXXX XXXX XXXX, '' a XXXX establishment located on site at the XXXX XXXX XXXX XXXX XXXX, KS. I was in town on business and ate at the hotel restaurant as a means of ensuring that I received the advertised {$50.00} quarterly statement credit for my card. After not automatically receiving the {$50.00} statement credit as expected, I contacted American Express customer service and was informed that they were denying me the statement credit due to the charge being back coded as a " Restaurant '' rather than a " Hotel '' purchase. As a consumer, I have no control over how a XXXX property chooses to code transaction data from their on site restaurants vs. a charge at the front desk. In denying me the {$50.00} credit that I was owed, American Express engaged in deceptive practice by not delivering on a promotion that they promised me when I signed up for the card. " XXXX XXXX XXXX '' is clearly a XXXX-property establishment. This is even reflected on the documentation I have received from American Express thus far. Specifically, under " Transaction Details, '' the purchase is documented as " XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' and " XXXX * XXXX XXXX XXXX. '' Furthermore, under " Additional Details, '' the " Business Contact Details '' are noted as " XXXX. '' In order to resolve this, I request that American Express manually issue me a {$50.00} statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SERVICEMAC, LLC
State: NM

Complaint narrative:
I went under contract on a property with an assumable VA loan on XX/XX/year>. On XX/XX/XXXX, call attempts and an email were made to the mortgage department of ServiceMac, the lender to begin the assumption request. The lender did not cooperate until XX/XX/XXXX when the lender agreed to mail the assumption packet. The packet was received and digitized by the seller 's agent on XX/XX/XXXX. The buyer completed and returned the assumption packet to the lender on XX/XX/XXXX. The lender reviewed the packet and requested additional information which was acknowledged as received in entirety by the lender on XX/XX/XXXX. Since XX/XX/XXXX, the lender has slowly requested petty additional information from the buyers over the course of several weeks. When queried about the status, the lender has simply stated the application is in a queue. On XX/XX/XXXX, XXXX XXXX XXXX took over processing of the loan. The representative from XXXX engaged in some email updates and requested further financial documents from the buyers. On XX/XX/XXXX, the XXXX XXXX XXXX representative sent an update email to all parties ( revealing all email addresses in the recipients line ) stating that all needed documents were in receipt and the application was officially in the underwriting stage going through initial review. In all emails, the company is adamant that they can not guarantee closing dates or timeline estimates. This is in clear violation of federal regulations and VA circulars that require a 45-day underwriting decision once the entire application is received. I have reached out to the VA XXXX XXXX XXXX. They confirmed they have communicated with the lender, but recommended I submit a CFPB complaint against the lender for their non-compliance on processing the mortgage assumption for the VA-assumable loan.

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 2026-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I am an FHA borrower in an active forbearance agreement with Shellpoint Mortgage Servicing from XX/XX/XXXX through XX/XX/XXXX. Approximately one month ago, Shellpoint began reporting my mortgage as 120 days past due to XXXX, despite my forbearance still being active. When I contacted Shellpoint by phone on XX/XX/XXXX to address this, the agent stated that the reporting was correct and that my credit report should have special notes. I informed the agent that this was not accurate and that the account had been fully reported incorrectly, negatively impacting both my credit and my husbands credit. Rather than investigating the error on their end, Shellpoint said I would have to provide them proof before they would take any action. As of today, the account still appears 120 days past due on my TransUnion credit report. Additionally, Shellpoint denied my request for a forbearance extension citing a XXXX maximum, despite having previously approved a XXXX forbearance period as shown in my forbearance proof document. Throughout the forbearance period, Shellpoint also required monthly phone calls to maintain the forbearance status, which was an unnecessary hassle during an already stressful time. Reporting a mortgage as delinquent during an active forbearance period is a violation of the Fair Credit Reporting Act and HUD servicing guidelines for FHA loans. Proof of credit reporting and forbearance dates attached.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Comenity Capital Bank regarding my XXXX XXXX XXXX account. I have a flawless, long-standing payment history with this issuer and have never missed a payment deadline prior to this billing cycle.Due to an inadvertent billing oversight, my recent payment of {$2400.00} was submitted exactly one day ( 24 hours ) past the designated due date. Upon realizing the error, I immediately paid the balance in full to mitigate any further issues.Comenity Capital Bank subsequently assessed both a late fee and an interest charge of {$59.00}. While a customer service representative acknowledged my positive account standing and agreed to waive the late fee, the bank adamantly refused to waive the accompanying {$59.00} interest charge.Charging nearly {$60.00} in interest for a 24-hour delay on a first-time mistake is predatory and entirely disproportionate. The bank 's refusal to grant a standard, one-time courtesy waiver for the interestdespite granting it for the late feedemonstrates a rigid and punitive customer service policy that exploits XXXX consumer errors for profit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation