vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
I am filing this complaint regarding my mortgage servicer, M & T Bank, and the handling of a property tax refund tied to my escrow account. I am a 100 % XXXX veteran with a VA-backed mortgage loan. Due to my XXXX status, my property became exempt from property taxes effective XX/XX/year>. XXXX XXXX XXXX XXXX XXXXXXXX issued a property tax refund check in the amount of {$3100.00} payable to XXXX XXXX XXXX, which is the tax vendor used by M & T Bank for my mortgage escrow account. XXXX XXXX confirmed the following details : Check Number : XXXX Amount : {$3100.00} Issued : XX/XX/year> Received by XXXX : XX/XX/year> Cleared the bank : XX/XX/year> Despite the refund being deposited and cleared through the mortgage servicers tax vendor system, the funds have not been applied to my escrow account or refunded to me. I began contacting M & T Bank in XX/XX/year> to inquire about the missing refund. During multiple communications, I received conflicting responses from the servicer, including statements that the refund had not been received, that the tax office confirmed a refund was being issued, and that a work order had been opened to research the issue. On XX/XX/year>, M & T Bank stated that a work order was initiated to contact the tax office regarding the refund. However, the tax office has already confirmed that the refund was issued and deposited months earlier. As of today, the {$3100.00} property tax refund that cleared on XX/XX/year> has not been properly accounted for in my mortgage escrow account. I am requesting that M & T Bank trace the funds received by their tax vendor, properly apply the refund to my escrow account or issue the refund to me, and provide a written explanation for the delay in properly accounting for these funds.

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 monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Hello. My name is XXXX XXXX and I'm reaching out because I need some assistance in knowing how to move forward. I moved into the XXXX plan back in XXXX and am currently still enrolled. Recently, with the XXXX plan ending, I've spent time trying to decide on which plan to move into. I qualify for student loan forgiveness after 25 years so wanted to check my loan status on XXXX. When I read through it, I realized there is a 7 year gap in my record history from XX/XX/XXXX through XX/XX/XXXX. I was paying for my loans during that time frame and have the tax records to prove it. My record records everything, including forbearances from XXXX and payments that were made during that time. Then, a complete blank in my records until XXXX. The only other thing listed during that 7 year gap was a delinquency for XX/XX/XXXX. So, my next move was to call Nelnet because after contacting XXXX XXXX they said Nelnet would have my records. I made a phone call on XX/XX/XXXX at XXXX XXXX and spoke to XXXX XXXX He also confirmed there is a gap in my records and he can not tell me anything, including payments made, or forbearances from XXXX. It's like I don't exist for those years. I refuse to pay a single cent towards my school loans until I have this investigated. Because if they lost my loan information, both at what was previously Department of EducationXXXX XXXX and Nelnet, that is a major mismanagement of my loan. I was also never notified by Nelnet of this supposed delinquency that I had in XXXX of XXXX. They can not tell me how many qualifying payments I've made towards student loan forgiveness. They basically can give me no information for at least 7 years of my loan and that is extremely concerning, especially because I was actively making payments during this time. It's a total blank in my history with Nelnet and when I asked XXXX XXXX directly if they had any documentation of my payment history from XXXX, he said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Im filing this complaint because Credit Collection Serv is reporting a collection account on my credit report that I don't recognize. I disputed this account and asked for validation, but I still have not received anything that actually proves the debt is valid. I have not been given basic information like : * A clear identification of the original creditor * Documentation showing I owe this debt * A breakdown of the amount being reported Instead, the account is being reported with a status like XXXX, which doesnt even make sense. I cant tell what that means, and it makes it impossible to verify the account. From my understanding, under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is supposed to provide proper validation when a consumer disputes a debt. That hasnt happened here. On top of that : It feels like this account is just being reported without any real proof behind it and I am trying to buy a house.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Prior reported of which potentially to the Consumer Financial Protection Bureau regarding XXXX, an XXXX App Store credit repair application where the Consumer Pays or Affords an amount to a Card to establish " Credit '' where to a sense of longer term payments Savings are then promised to be returned to such stated Consumer. When applying to any manner of an Amazon Credit Card ; to a lower or barried Credit Score ; Amazon offers the Consumer a sub-tier card irrespective to any sense of long-standing Consumer Loyalty to purchases from Amazon Services ; where the Consumer is provisioned " Credit '' on the to a manner of which a Consumer allots or provisions initially to a Deposit on such stated Card ; where Self was linked or forwarded to such initial query on the promotion of Purchase Savings to any sense of an order ; conditional on applying and being approved for an Amazon Credit Card . Where to initial application being denied for such sub-tier Card, is such Savings or Order Discount then potentially not applied, likewise to any consideration that Amazon is able to actually able to rebuttle or recoup such Savings to actual increased or encouraged Consumer Lock-In relevant to an Amazon Store Card , viability to return purchases, and interest ; whether or not interest is shared or established to Amazon in-lieu of simply Financial Services infrastructure. Likewise to manner of Amazon holding a Consumers Deposit to any sense of " Credit '' to future afforded promise of opportunity that Card will be upgraded to and Amazon Credit Card upon completion of future use, purchases, and consumer loyalty after a 12 - month period. Where to any sense a Deposit may not therein otherwise be returned to the Consumer, where their lies no mention of such. To a sense of persons Credit being intentionally damaged relevant to Amazon Partner interests, where Amazon is then to practice potentially charging or holding Consumers to like consideration of Consumer Lock-In for the amount of their therein Deposit ; that to all likeness they will forget to reclaim or ask for such to be returned following a 12-month period, that would otherwise perhaps not be afforded or given to any matter of later Card cancellation or upgrade to an Amazon Credit Card, or `` End-of-Life '' servicing to consideration of Consumers. Potentially to own likeness therein intentioned of which either way to consideration of identity XXXX and XXXX XXXX within or to end of stated period towards otherwise persons to their therein interests.

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 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. System is attempting to collect and report an inaccurate and inflated balance of {$3300.00}. This debt stems from documented billing errors committed by the original creditor XXXX XXXX XXXX XXXX ). I do not owe this wrong amount, and I.C. System is making false representations on my credit reports by reporting it. I have already filed a XXXX complaint with the FCC against XXXX XXXX XXXX ( Ticket # XXXX ) for the underlying billing fraud. I request immediate deletion of this trade line.

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 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. The account in question is listed as : Creditor : Credit Acceptance Corporation Account Number : XXXX This account is currently being reported as OPEN, with a balance of {$15000.00}. However, based on the payment history and status ( including multiple 180-day delinquencies ), this account appears to be inaccurately reported. An account that is severely delinquent to this extent should not be reported as open and active. This is misleading and does not accurately reflect the true status of the account. Under the Fair Credit Reporting Act ( FCRA ), I request that you : Conduct a full investigation of this account Verify the accuracy of the reporting status Correct the account status to reflect accurate information Or delete the account entirely if it can not be properly verified Please provide me with written confirmation of the results of your investigation. If you are unable to verify this information as accurate, I request that it be removed from my credit report immediately. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX, Maryland XXXX Last four digits SS XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I added {$35.00} to my XXXX account. After I purchased crypto currency in the form of XXXX ( XXXX ). I attempted to transfer the funds to a known wallet and was given the message that I was unable to send funds at that time. To try again later. I sold that crypto to receive my cash back and now my funds are being held for 5 days until the XXXX of XX/XX/XXXX. Today, I added {$30.00} to my XXXX account. After I purchased cryptocurrency in the form of XXXX ( XXXX ). I again attempted to send those funds to a known wallet and was met with the same message. Frustrated, I sold the XXXX back to the exchange and again, my funds are now held until the XXXX of XX/XX/XXXX I contacted XXXX via chat & phone and was only given a generic excuse of " reviewing transactions '' and " waiting until transactions have cleared the account '' before releasing funds. This is unacceptable. No reason, no solution. I am far within the designated transfer amount of {$20000.00} per week. Nowhere even close to it. There is no reason for holding onto such a small amount of money over " security " concerns. My personal and business XXXX accounts are both verified some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint regarding a credit account reported by Capital One that does not belong to me. According to Capital Ones reporting, this account was opened on or about XX/XX/year>. At that time, I was incarcerated and therefore could not have applied for, authorized, or opened this account. Capital One has stated the account was opened online or by phone and has been unable to provide a signed agreement or complete documentation verifying that I opened this account. This raises serious concerns under the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies and furnishers must ensure maximum possible accuracy. Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation of disputed information. Despite lacking documentation and being provided with a clear basis that the account could not have been opened by me, this account continues to be reported on my credit file. I can provide documentation verifying my incarceration during the time this account was opened. Because this account is unauthorized and can not be verified as legitimately mine, I am requesting : Immediate deletion of this account from my credit report A full investigation into how this account was opened Written confirmation that this account has been removed This account is the result of unauthorized use of my identity and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Issue : Incorrect mortgage payoff quote resulting in financial loss I am filing a complaint regarding an incorrect mortgage payoff quote that resulted in an unnecessary additional payment being taken from my account. Here is the timeline : In XX/XX/year>, I made two mortgage payments of {$2300.00} each. On XX/XX/year>, I was provided with a payoff quote of {$260000.00}, which included both payments. Around XX/XX/year>, one of those payments was reversed. This increased the actual payoff amount to {$260000.00}. However, this updated payoff amount was not communicated to me or the title company prior to closing. At closing, the title company sent the originally quoted payoff amount of {$260000.00}. Because the payoff quote was not updated, the loan was not fully satisfied and remained active. As a result, my XXXX autopay of {$2300.00} was withdrawn unnecessarily to cover the shortfall caused by the incorrect payoff quote. I relied on the official payoff quote provided by the bank and had no knowledge of any changes after it was issued. The failure to update the payoff amount in a timely manner directly caused this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MO

Complaint narrative:
My cash app account was hacked on XX/XX/year>. I received a notification that something was odd with my account. My account was logged into by an XXXX phone in XXXX. I have an XXXX in XXXX. My account was hacked and {$2100.00} was taken. Then the XXXX phone logged out of my account. I sent all this information to cash app support, I also called immediately. I was never told how the investigation was going. I was just told it was closed and my money apparently is gone. They need flagged for not taking hacking seriously and protecting their clients. I have read multiple stories online about this happening to other people and them not getting their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My mom died. She received a check recently and its drawn on Bank of America. Im in XXXX. Im the only child and theres no spouse. I went and got an affidavit notarized stating that I am the legal heir. The check is less than {$15000.00}. Ive been to XXXX different branches and Ive been denied. No one will cash 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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter Finance calls my business phone multiple times a day for the last five months, asking for a former employee. I notified them that he does not work here anymore and then notified them to stop calling me and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My car got repo and I paid the fees and all to get it back. I provided confirmation # to ally finace and they said you can get vehicle, when I went to the place they said its been sent to an auction this morning thats in XXXX XXXX XXXX away. I called ally finance and they said call the auction place to schedule a pick up. Im XXXX XXXX away from there with no transportation. I was told by rep to pick up at XXXX XXXX so false info was told

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 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I disputed a collection account with XXXX on XX/XX/year> and again on XX/XX/year>. The account had already been deleted by XXXX after my dispute. XXXX responded both times that the account was verified as accurate and updated but did not provide the method of verification or documentation showing I am legally responsible for this debt. I requested verification and documentation from the original creditor, including proof of ownership of the debt and how the information was verified. XXXX failed to provide the name, address, and phone number of the party who verified the account as required by the Fair Credit Reporting Act. Because proper verification has not been provided after multiple disputes, I am requesting that this account be deleted from my XXXX credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Revco Management, LLC
State: GA

Complaint narrative:
Received notice of debt for XXXX, XXXX from XXXX XXXX XXXX XXXX account number XXXX. Never received services and when I left messages with XXXX XXXX they never return phone calls. Cease and dease all communication until you prove debt is valid. Services rendered. Also contracts and exchanges of power.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
On Tuesday XX/XX/XXXX, I placed XXXX dollars into my Robinhood account for the purpose of XXXX XXXX. I had lost money on Monday and was emotional so I had removed all money from my account, but then decided that Tuesday I would make some safer trades so I decided to refund the account again on Tuesday. I place XXXX trades Tuesday, for a small profit of XXXX dollars and found that my account was restricted in the afternoon that day when I tried to start an ACH back to my bank acount that Robinhood showed I was able to do. Following the restriction of my Robinhood account Robinhood had requested bank statements and I have submitted XXXX bank statements for XX/XX/year> However, I am unable to submit the requested bank statement for XXXX XXXX at this time given that it is XXXX days into XXXX and my bank has not released this Bank Statement out to me yet. I wanted to speak to someone or request info to see if I can provide something for the third XXXX statement but I have not been able to reach anyone. I utilized Robinhoods ask a question feature from Robinhood Support team and they claimed to have had someone looking at the restriction but they closed my ticket without any updates or anyone reaching out to me. I then tried calling their support line but was unable to have anyone take my request or speak with me. I have heard others have had similar experiences to mine, which ultimately led me to file a complaint today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: LA

Complaint narrative:
FINAL NOTICE! I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. Under 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability. Pursuant to FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ) Credit Bureaus is mandated to implement the FCRA Law, As I want this Collection account deleted in my report as they are in violation 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is US law Violation of 5 U.S.C. 552a Additionally, as per FCRA, a violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

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