vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my repeated disputes, neither Equifax nor XXXX XXXX XXXX has provided any competent evidence validating the alleged late payments. Instead, the account continues to be reported without documentation. 

The account has not been reported since XX/XX/year>, yet remains marked open and derogatory, which further raises concerns regarding accuracy and compliance. 



Violations of Federal Law The continued reporting of this account constitutes violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to : 1. Failure to Conduct a Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) A reasonable reinvestigation requires more than automated verification. No documentation has been provided to substantiate the late payments.

2. Reporting Inaccurate or Unverifiable Information 15 U.S.C. 1681e ( b ) If the information can not be verified with documentary evidence, it must be deleted.

3. Failure to Disclose Method of Verification 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) I have not been provided the name, title, or contact information of the party who verified this account, nor what records were reviewed.

4. Furnisher Liability 15 U.S.C. 1681s-2 ( b ) Once notified of a dispute, the furnisher is required to conduct a reasonable investigation and report accurate results. Continued reporting without documentation suggests noncompliance.

5. Willful and/or Negligent Noncompliance 15 U.S.C. 1681n & 1681o Repeated disputes without documentary validation demonstrate reckless disregard for statutory obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
This complaint concerns systemic mortgage servicing misconduct by PennyMac Loan Services , LLC on my residential mortgage loan at XXXX XXXX XXXX, XXXX, Illinois. 
This complaint follows my prior CFPB submission ( Complaint No. XXXX ), which included a full evidence binder. PennyMac has continued to deny and refuse correction despite documented servicing errors. 
Beginning in XX/XX/XXXX, during the COVID-19 CARES Act forbearance period, PennyMac improperly applied my payments to corporate advances, escrow disbursements, and internal fees rather than promptly crediting my mortgage obligation. This created erroneous balances, unapplied funds, and servicing instability despite my continued timely payments. 
From XX/XX/XXXX through XX/XX/XXXX, during my Chapter XXXX bankruptcy case ( mortgage paid outside the plan ), PennyMac continued the same pattern of payment misapplication and suspense handling, while issuing mortgage statements with inflated total amount due figures far beyond the contractual monthly payment. 
In XXXX XXXX, PennyMac assessed bankruptcy-related charges directly onto my mortgage account, including Proof of Claim-related fees. PennyMac admits in writing that it charged {$950.00} for review and filing of a Proof of Claim and refused to waive these fees. 
On XX/XX/XXXX, I submitted written dispute and documentation requesting correction of these servicing errors. PennyMac issued a denial letter refusing to correct the account.

These repeated practices violate federal mortgage servicing protections, including RESPA and Regulation X error resolution requirements, and have caused significant financial harm, inaccurate billing, and ongoing account instability.

I request CFPB assistance in requiring PennyMac to correct all servicing errors, provide a complete payment and suspense history, remove improper bankruptcy-related fees, and restore accurate account reporting. 
Supporting documentation and the full evidence binder are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I am filing a complaint regarding excessive, unjust, and inadequately disclosed interest charges applied to my Comenity Bank account after my balance was paid in full and the account was closed. In addition, I am concerned that these improper charges may have resulted in inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite having paid the account to a XXXX balance, I was later charged so-called trailing interest, which rapidly increased from approximately {$2.00} to over {$150.00} within a four-month period. This represents an implied monthly interest rate of approximately 194 %, which is far beyond standard and reasonable credit card APRs. 

These charges continued to accrue even after the account was closed, without clear notice, proper explanation, or transparent disclosure. At no point was I adequately informed that interest would continue to compound after full payment and account closure. This lack of disclosure prevented me from addressing the balance in a timely manner.

As a result of these unjust charges, inaccurate or misleading information may have been furnished to credit reporting agencies, including inflated balances, delinquency status, or negative payment history based on improperly accrued interest. Reporting inaccurate, incomplete, or misleading information constitutes a violation of the Fair Credit Reporting Act. 

The manner in which this interest was calculated, applied, and reported is unclear and appears unfair, deceptive, and abusive. These practices have caused financial harm, emotional distress, and damage to my credit profile. 

I am requesting a full investigation into the interest calculations and credit reporting associated with my account, a detailed explanation of all charges, correction or removal of any improper interest, correction of any inaccurate credit reporting, and appropriate financial relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/year>, a money transfer was made from my account. My account was compromised, and I wanted to prevent this. I had {$3500.00} in my account, and a {$2000.00} transaction was made, which I couldn't recover. Currently, I only have {$1500.00} in my account. Since I am not in the US, I contacted the bank, but Bank of America was completely unhelpful. They told me to go to a branch. My account is restricted, and the payment order is closed. I can not access mobile banking, and they opened a new account for me. They told me I would need two IDs to go there to withdraw my money, which I don't have. I need help.

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 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: MD

Complaint narrative:
, fraudulent accounts or charges appear on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this follow-up complaint regarding the continued inaccurate reporting of the XXXX account XXXXXXXX XXXX XXXX XXXX XXXX balance {$21000.00}, opened XX/XX/XXXX, with last payment made XX/XX/XXXX, which remains reported with a 30-day late payment in XX/XX/XXXX despite my prior dispute and supporting records showing no delinquency for that period. I am exercising my rights under FCRA 611 ( 15 U.S.C. 1681i ) concerning reinvestigation of disputed information, 623 ( a ) ( 2 ) and 623 ( b ) regarding the furnishers duty to provide accurate information and conduct a reasonable investigation, and 1666 and 1666a governing billing error corrections and restrictions during disputes. My account statements, payment confirmations, and transaction history show no late payment in XX/XX/XXXX, making this reporting factually inaccurate and materially misleading, as it falsely portrays me as delinquent and directly harms my creditworthiness. This error has caused tangible financial harm including higher interest rates, credit denials, additional verification requirements, and administrative burdens, as well as emotional distress, reputational damage, and disruption to my financial planning. The continued reporting of this late payment after notice of dispute indicates a failure to comply with FCRA 623 ( b ), which requires furnishers to investigate, correct, and update disputed information, and undermines my rights under FCRA 611. I am requesting that the CFPB ensure XXXX and the reporting credit bureaus conduct a documented, thorough reinvestigation, including review of original billing statements, payment confirmations, full account ledger activity, and all communications during the disputed timeframe, and that I receive written confirmation of the investigation results, the evidence relied upon, and all updates made to my credit file.

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 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app put me in the arrears. On a XXXX transaction. when I did not have overdraft protection with cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this follow-up complaint regarding the continued inaccurate reporting of the XXXX account XXXXXXXX XXXX XXXX XXXX XXXX balance {$21000.00}, opened XX/XX/XXXX, with last payment made XX/XX/XXXX, which remains reported with a 30-day late payment in XX/XX/XXXX despite my prior dispute and supporting records showing no delinquency for that period. I am exercising my rights under FCRA 611 ( 15 U.S.C. 1681i ) concerning reinvestigation of disputed information, 623 ( a ) ( 2 ) and 623 ( b ) regarding the furnishers duty to provide accurate information and conduct a reasonable investigation, and 1666 and 1666a governing billing error corrections and restrictions during disputes. My account statements, payment confirmations, and transaction history show no late payment in XX/XX/XXXX, making this reporting factually inaccurate and materially misleading, as it falsely portrays me as delinquent and directly harms my creditworthiness. This error has caused tangible financial harm including higher interest rates, credit denials, additional verification requirements, and administrative burdens, as well as emotional distress, reputational damage, and disruption to my financial planning. The continued reporting of this late payment after notice of dispute indicates a failure to comply with FCRA 623 ( b ), which requires furnishers to investigate, correct, and update disputed information, and undermines my rights under FCRA 611. I am requesting that the CFPB ensure XXXX and the reporting credit bureaus conduct a documented, thorough reinvestigation, including review of original billing statements, payment confirmations, full account ledger activity, and all communications during the disputed timeframe, and that I receive written confirmation of the investigation results, the evidence relied upon, and all updates made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Dear Executive Office Supervisor, On or about XX/XX/year> I got a scam call from XXXX XXXX falsely saying she was Chase Bank XXXX XXXX. My checking & savings account had a freeze placed after I notified customer service at Chase Bank on XXXX. Customer service said at the moment the accounts where in good standing. Since then I have had no access to both my checking and savings account. My social security deposit was done on XXXX. After advising the social security department they stated that Chase Bank had to release those funds because it is illegal to hold those funds. My request is that my account be restored and gain full access to my SSA funds today! I tried to have a branch office help with no success. I have had my life placed in upside down since this happened. There has been many issues such as transfers, deposits, cashier checks and counter checks before this issue in XXXX. I have notified the bank that all transactions are indeed authorized by myself in XXXX verbally and in writing. 

Respectfully yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Over the last XXXX weeks and multiple transactions, Wells Fargo has blocked my accounts from being able to receive funds between each other. Today I was told by the corporate resolution team that they new what the problem was and when they called the branch manager and they told her, she said no that is not the problem. They had to reopen the case. They have blocked all of my 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 explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XXXX XX/XX/year>, I discovered my Capital One Account was closed, without my consent or notice of closure. My account was in good standing and had no debt. 

I last successfully logged onto my account on XXXX XX/XX/year>, the day before my closure. 

I immediately contacted Capital One customer support upon discovering my account was closed. I spoke to a supervisor, XXXX, and asked why my account was closed XXXX day after my successful log-in, without my consent or notice, and how to get it re-opened. I also asked what will happen to my XXXX miles. XXXX confirmed they closed my account the same day of my call ( XXXX XX/XX/year> ). He did not re-open my account. He told me he opened a case for my account, which will take XXXX business days to resolve. He made it clear to not be optimistic for my account to be re-opened or for my XXXX miles to be re-instated. The expectation is my account and miles are gone and my credit score will be damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Dispute of Debt and Request for Validation / Immediate Cease Collection Account Number XXXX ( Original Creditor : XXXX XXXX ) Notice of Identity Theft and Intent to File CFPB Complaint if Not Resolved / Demand for Immediate Removal from Credit Reports Dear Online Collections G / ONLINE Information Services Dispute/Validation Department : I am writing in response to the collection activity related to the above-referenced account, which appears on my credit report with a balance of {$220.00} ( original balance {$220.00} ), associated with original creditor Reliant Energy. 
I dispute this debt in its entirety. I did not open, authorize, use, or benefit from any services related to this alleged debt. This account is the result of identity theft and fraudulent activity using my personal information without my knowledge or consent. I am the victim of identity theft, as documented in the attached police report.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am formally disputing the validity of this debt and requesting that you provide verification of the debt within 30 days. Specifically, please provide : 1. The amount of the debt ; 2. The name and address of the original creditor ( XXXX XXXX ) ; 3. Verification of the debt, including a copy of any judgment ( if applicable ), the original contract or agreement bearing my signature, and proof that the debt is mine ; 4. Proof that Online Collections G / ONLINE Information Services is authorized to collect this debt on behalf of XXXX XXXX, including any assignment or agreement; 5. The date of last payment or charge, and a complete itemization of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: PA

Complaint narrative:
First nelnet stated that I attended the XXXXXXXX XXXX XXXX XXXX, in 2011 now it's state 's that I went to XXXX XXXX XXXX 
I am confused misleading Information on my credit report 15-USC16992 -- CC cease and desist. I have no knowledge about this information falsely fraudulent report...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, I sent {$240.00} via XXXX XXXX funded by my SoFi account to a mobile mechanic for brake line and leak repairs. 
The mechanic claimed the work was completed and pressured me to send payment immediately, stating he would not leave my property until paid. I was at work and could not verify completion, but sent payment due to the pressure. 
When I returned home, the repairs had not been completed. 
I filed a dispute with SoFi for services not rendered and payment sent under coercion. After two weeks, SoFi denied the claim, stating the transfer was authorized. 
I am requesting a reinvestigation based on the fact that the service was not completed and the payment was sent under pressure. I was also verbally informed by a SoFi representative that I would be reimbursed during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am writing this in response to your phone call on XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX services phone call on XX/XX/year> and for XXXX XXXX XXXX phone call on XX/XX/year> and when LVNV Funding call on XX/XX/year> regarding a alleged debt under the Fair Debt Collection Practices Act XXXX am formally requesting that you provid validation of this debt. Please provide the following information so I can make a informal decision. XXXX XXXX, verification of debt, amount owed, the authority to collect, and account history

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing in response to your communication regarding the above-referenced account.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. I do not acknowledge this debt and request that you provide competent evidence that I am legally obligated to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is furnishing and verifying inaccurate and misleading information on my credit report. 

The account was placed into collections in early XXXX. Despite the age of the account, Midland continues to report monthly collection status updates through XX/XX/XXXX. This ongoing monthly reporting creates a false and misleading impression that the debt is newly delinquent or actively defaulting, when it is not. 

I disputed this account through XXXX  on XX/XX/XXXX. XXXX verified the account as accurate without correcting the misleading monthly reporting and without providing any documentation substantiating the debt, the Date of First Delinquency, or Midlands legal basis for continued reporting.

I specifically requested verification of the alleged debt, proof of ownership, confirmation of the Date of First Delinquency, and an explana
tion for the continued monthly collection updates on a closed account. Midland failed to provide this information and instead relied on automated verification.

This constitutes a failure to conduct a reasonable investigation and a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). I am disputing the accuracy and manner of reporting, not liability for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I am filing a complaint regarding PayPals improper withholding of my funds following two declined in-person debit card transactions.

Both transactions were funded by my PayPal balance using my PayPal debit card. Each transaction declined at the point of sale, and the merchant has acknowledged and confirmed that both transactions declined and that no settlement occurred. 

Despite this, PayPal has held a total of {$15.00} USD from my PayPal balance for 24 days, repeatedly stating the transactions were under review, and subsequently denying my disputes by misclassifying the issue as a card-present goods/services dispute. 

This is not a dispute regarding goods or services received. This is a funds availability and authorization failure issue. Because neither transaction settled, XXXX has no role, and the funds never left PayPals control. 

Notably, the dispute denials occurred after multiple recorded calls in which I requested escalation and clarification. The timing of the denials raises concern that the dispute process was not handled neutrally or in accordance with PayPals own procedures.

PayPals continued withholding of my PayPal balance funds constitutes unreasonable delay, improper withholding of consumer funds, and misapplication of dispute procedures. 

I am requesting the immediate release of {$15.00} USD and a written explanation for PayPals handling of these declined authorizations.

Company response to consumer: Closed with monetary relief