vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
I am filing this complaint regarding SoFi Banks improper handling of multiple unauthorized electronic fund transfers involving the merchant XXXX XXXX, and SoFis refusal to reopen or properly investigate the disputes despite substantial new evidence. SoFis actions appear to violate Regulation E ( 12 CFR 1005 ), including the requirement to conduct a reasonable investigation, consider new information, and correct errors.

SoFi denied my original disputes by citing the 60day rule, despite the fact that the merchant engaged in deceptive and unauthorized activity. I have since provided SoFi with extensive new evidence, including documentation showing that XXXX repeatedly failed to comply with responsiblegaming requirements, failed to honor selfexclusion requests, and continued to process transactions after the account should have been restricted. These failures directly contributed to the unauthorized charges. Under Regulation E, when a consumer provides new information, the financial institution is required to reopen or reevaluate the dispute. SoFi has refused to do so.

Additionally, SoFi did not conduct a reasonable investigation during the initial dispute process. SoFi did not request or review the merchants responsiblegaming logs, did not consider the pattern of unauthorized charges, did not evaluate the merchants regulatory failures, and did not address the fact that XXXX XXXX XXXX form was nonfunctional at the time the transactions occurred. SoFis investigation consisted of a blanket denial based solely on the passage of time, which does not meet the standard of a reasonable investigation under Regulation E.

SoFi is now attempting to rely exclusively on the 60day rule to avoid reopening the dispute, even though the law requires a new investigation when new evidence is presented. SoFis refusal to consider the new information, combined with its failure to conduct a proper investigation initially, appears to be a violation of 12 CFR 1005.11. 

I am requesting the CFPBs assistance to ensure that SoFi : 1. Reopens the dispute and conducts a full, reasonable investigation as required by Regulation E.

2. Reviews all new evidence provided, including documentation of XXXX responsiblegaming failures and unauthorized activity. 
3. Provides a written explanation of how its investigation meets the requirements of Regulation E.

4. Corrects any improper denials or failures to credit funds.

5. Ensures that SoFis dispute-handling procedures comply with federal law and do not rely on the 60day rule to avoid required investigations.

I am seeking a full regulatory review of SoFis handling of this matter and correction of any violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
b'On XXXX XXXX XXXX, I made a deposit through Mobile Banking with an amount of XXXX in my Bank of America account, which became effective on XXXX XXXX XXXX. When this check was not found in my name, the bank marked it as a possible fraud and withdrew the funds from my account. On XXXX XXXX, the financial institution notified me that my account had been closed and that the funds, if determined to be my due, would be returned to me or otherwise returned to the original account from which the money had been withdrawn. From that moment on, the official owner of the check and I have been communicating with the bank by phone and in person without any positive response. In visits made to different branches of the Bank, we have been told things such as that the procedure is under review, that a check would be sent to me, that the final decision would be to return it to the account from which the money was withdrawn, that the Bank could take 90 business days to complete the refund process, and many other excuses. but no conclusive answer. When I call the Number XXXX XXXX (Fraud Department) where they were supposed to give assistance, they also only give excuses to continue delaying the process, and they have even transferred us to other departments such as the Risk Department and the Claims Department, where they do not give any correct answer either. Today, XXXX XXXX XXXX, it has been 91 business days and more than 4 months without a final decision being made to recover the money with the amount indicated, which is why I am going to this institution to help me recover the funds retained by the Bank of America.'

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 2026-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
They sold me a condemned house with a closed dam and no electricity on XXXX XXXX. That house should have never passed inspection for a {$270000.00} loan! Then the XXXX XXXX tax auditor stole all my escrow money out my escrow account with a fake tax notice and caused me to foreclose and prevented me from refinancing the house in XX/XX/XXXX. Rocket mortgage used my escrow refund they were suppose to return last year XXXX to pay the taxes on the house and other things I am not responsible for XX/XX/XXXX! I want another VA Loan. Thats a violation of the fair lending act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, Bank of America ( BoA ) exercised a setoff, debiting {$490.00} from my recent paycheck deposit in a joint checking account to apply toward my mother 's {$20000.00} disputed credit card debt. This account receives all my income as a retail worker ; attached paystubs prove the {$490.00} was my sole earnings, unrelated to my mother 's obligation. 

I have called BoA at times on [ XX/XX/year> at XXXX XXXX  XXXX ], speaking to representatives, transferred to supervisors who looped me back to frontline reps, and informed 'nothing can be explained until processing completes ' without a timeline or reference number. This leaves me without access to essential funds during the active dispute. 

Requested resolution : Immediate reversal of my {$490.00} setoff, protection of future deposits, written confirmation of joint account policies, and case number for tracking. ''

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 2026-01-22 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: NV

Complaint narrative:
To Whom It May Concern, I am writing in response to the collection account you are reporting on my consumer credit report. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Under 1692g ( b ), I am exercising my right to request full and complete validation of this debt. Until such validation is provided, you must cease all collection activity, including the reporting of this account to any consumer reporting agency.

Please provide the following : XXXX. The name and address of the original creditor XXXX. The amount of the alleged debt, including an itemized breakdown XXXX. A copy of the original contract or agreement bearing my signature XXXX. Proof that you are legally authorized to collect this debt XXXX. Documentation showing that the debt is accurate and belongs to me If you are unable to provide the above documentation, you are required under federal law to delete this account from my credit file and cease further reporting.

Any continued reporting of this account without proper validation constitutes a violation of 15 U.S.C. 1692g, as well as the Fair Credit Reporting Act, 15 U.S.C. 1681, and may subject you to legal liability.

Please respond in writing within the time period required by law. 

Sincerely, XXXX 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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
My youngest daughter has is diagnosed with XXXX and is waiting for XXXX. Ever since she was born its been challenging to have a normal life. She needs XXXX  every week and has XXXX  XXXX  often. After divorce, got hard to keep up with providing care and bills alone. Just need a break from this mess and start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB COMPLAINT STATEMENT Against : Equifax Information Solutions.

I am submitting this formal complaint regarding multiple inaccurate and unauthorized accounts that Equifax is reporting on my consumer credit report. These accounts were reported without providing me a meaningful opportunity to dispute, and several are the result of identity theft or were not authorized by me, in violation of the Fair Credit Reporting Act ( FCRA ) and Regulation F ( 12 CFR 1006.34 ). 

Disputed / Negative Accounts : XXXX XXXX XXXX XXXX Account XXXX XXXX ( Charge-Off XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( Closed/Late ) XXXX XXXX XXXX XXXX  Account XXXX XXXX ( Closed/Late ) XXXX XXXX XXXX Account XXXX XXXXXXXX ( Charge-Off ) XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX ( Charge-Off ) XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Charge-Off XXXX XXXX XXXX XXXX  Account XXXX XXXX ( Collection ) XXXX XXXX XXXX Account # XXXX ( Collection ) XXXX XXXX Account XXXX XXXX XXXX Collection ) XXXX XXXX XXXX XXXX  Account XXXX XXXX ( Closed/Late ) Equifax reporting violates 15 U.S.C . 1681e ( b ), 1681b, 1681c-2, and 1681i. I did not receive proper notice or a fair opportunity to dispute these accounts, and Equifax failed to block information resulting from identity theft. These violations have caused substantial harm to my credit profile, resulting in financial and emotional distress. I respectfully request that the CFPB investigate this matter and require Equifax to remove or block all unauthorized and inaccurately reported accounts listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Description of Incident : I am filing this complaint because an inaccurate and unrecognized collection account is being reported on my Experian credit file. The account is listed under XXXX XXXX XXXX, Account Number : XXXX, for the amount of {$160.00}. 

I have no record of any financial agreement or contract with XXXX XXXX XXXX or any underlying original creditor for this amount. I do not recognize this debt and believe it is either a reporting error or a result of identity inaccuracies. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request a full validation and verification of this information. To date, this item remains on my report despite it being unverified and unrecognized.

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 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I reported identity theft to Experian and disputed inaccurate information under FCRA 605B. Experian classified the dispute under code 1618I.

Despite this, Experian continues to report and score a XXXX XXXX XXXX filed around XX/XX/year>, along with multiple tradelines reported as petition for bankruptcy or included in bankruptcy, all of which are derived from the same fraudulent event.

FCRA 605B requires credit reporting agencies to block identity-theft-related information and any information derived from it within four business days. Re-verification is not permitted, and reinsertion requires new verified evidence and prior written notice.

Experian has failed to block this information and continues to penalize my credit score, in violation of FCRA 605B and 611. 

I am requesting immediate and permanent blocking of the bankruptcy and all associated accounts and remarks, and full correction of 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 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Central Research Inc
State: FL

Complaint narrative:
I paid in full, or so I thought, the balance of my student loan around 8 years ago. I do not have bank records from that long ago but the student loan provider XXXX has now reported late payments supposedly due to them after the Covid forebearance, as being 120 days late which has now tanked my credit score. I have not given this loan any thought since I had thought it was paid in full years ago, and was now surprised to find out it supposedly had a small balance due of around {$110.00}. When I found out I immediately paid it off in full, but the supposed late payments will be on my credit reports for 7 years. I called XXXX to discuss it and they said there is nothing they can do. I also called the Studentloan.gov number directly 2 times with no success. But yet they can not give me any sort of statement which indicates where the small amount comes from or how it was calculated. I find that very questionable. How can they report my loan as delinquent, but can't back up the balance due? That is all I am asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: FL

Complaint narrative:
{$210.00} the amount of the XXXX XXXX XXXX XXXX. I called them with the tracking number on XX/XX/XXXX, and I RECEIVED the device on XX/XX/XXXX. But was still sent to this collection agency MRS XXXX XXXX XXXX XXXX. I got text message XX/XX/XXXX asking me to setup a payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company name : Comenity Capital Bank.

Product/brand : Dell Pay Credit .

I am filing a complaint against Comenity Capital Bank regarding its handling of a billing dispute on my Dell Pay Credit account.

I disputed a charge for a laptop that was never delivered to me. The shipment required my signature but was delivered to an XXXX locker without my authorization ( There is videotape of the package being delivered to the locker instead of me and videotape that I was not in the property at the time of the delivery - This was provided to Comenity ), with a forged signature recorded by XXXX. The package was tampered with and empty upon retrieval. I was not present at the property at the time of delivery. I promptly notified both Dell and Comenity and provided supporting documentation.

In its dispute denial letter dated XX/XX/year>, Comenity stated that I claimed the laptop was stolen after delivery. This statement is false. I never made such a claim. My dispute has always been that the item was never delivered to me due to improper delivery and a forged signature.

This mischaracterization originated in Comenitys correspondence and was not a statement made by me. By relying on a factual premise I did not assert, Comenity failed to conduct a reasonable investigation and improperly denied my dispute.

I am requesting that the CFPB review Comenity Capital Banks investigation process, require correction of the factual record, and ensure appropriate remediation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: TX

Complaint narrative:
This account is inaccurate and Im requesting verification. Please investigate and remove if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have three Capital One CDs, each maturing on a different date, with my set instruction to transfer funds to my Capital One 360 XXXX at maturity, not auto-renew. While the first CD executed this correctly, the second and third CDs were unexpectedly renewed, and Capital One now wants to charge a 3-month interest penalty for early withdrawal after I discovered this three weeks later. They failed to send the promised maturity notices approximately one month prior, leaving me to manage the situation after the fact

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The XXXX has had my unemployment money for over 3 years on a debit card. I have accessed my account many times and have attempted to do external transfers with no success. The transfer says pending and then the next day it disappears. 

With that, I had attempted to contact customer service many times to talk with someone and am never able to get a live person to help assist me. 

I also have made plenty of attempts at using the debit card given to get money out of the ATM, for example today, I successfully input my PIN number and all the accounts said there no balance. I attempted to still withdraw {$50.00} dollars to see if it would work and it said, the financial institution declined your request My balance is available online when I log into the account. I have never been able to get funds out of my account since Ive been given the card and I have nowhere else to turn for 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 explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I am writing to formally document and report my experience during a phone call with Lendmark Financial on XX/XX/year>. 

On this date, I contacted Lendmark Financial and spoke with a representative named XXXX, as well as her manager, to explain my current financial hardship and the reasons I have been unable to make my monthly payments. During this call, I clearly explained that I intend to repay my debt through National Debt Relief, as I am no longer financially able to maintain the existing payment arrangement. 

Throughout the conversation, XXXX repeatedly spoke over me and would not allow me to fully explain my situation. Both XXXX and her manager stated that Lendmark would continue calling me multiple times and threatened to contact my current employer to garnish my wages if payment was not made immediately. These statements were made despite my explanation that I am actively pursuing a legitimate debt repayment program. 

The tone of the conversation became increasingly hostile, and XXXX manager raised their voice, which caused me significant distress. Due to the stress of the interaction, I ended the call. 

I suffer from XXXX XXXX  and XXXX, and this experience significantly worsened my medical condition. I found the behavior during this call to be intimidating, unprofessional, and emotionally distressing. 

I am requesting that this matter be reviewed and documented, and that all future communication be conducted in a professional and respectful manner. I also request that any communication comply with applicable debt collection laws. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am filing this complaint regarding a XXXX collection account that was given to Jefferson Capital Solutions, a third party agency in the amount of {$1200.00} that is being reported on my credit report. I dispute this debt and have not been provided proper verification proving that I owe it. 

I have requested validation of this alleged debt, but XXXX has failed to provide documentation showing the origin of the debt, a signed agreement, billing statements, or proof that the account belongs to me. 

Despite the lack of verification, the account continues to be reported negatively on my credit report, which is causing harm to my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Additionally, I am requesting that all collection activity cease until proper validation is provided. If the debt can not be validated, I am requesting that the account be removed from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Tebo Financial Services, Inc.
State: OH

Complaint narrative:
Tebo finical services where I got my Loan through been getting threatening messages from XXXX of there employees named XXXX.Always threatening messages in emails how they are going to send XXXX to the house to get possession of the Vehicle sending it to collections basically whatever they have to do to get the Vehicle in possession.Been threatening messages for months now.I have tried to work with these people but with the harassment threatening messages its hard to solve this issue

Company response to consumer: Closed with explanation