vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Shellpoint Mortgage Servicing for failure to properly service my mortgage account, incorrect fees, and delay in providing hardship relief. Account Details : Loan Number : XXXX Servicer : Shellpoint Mortgage Servicing Address : XXXX XXXX XXXXXXXX, SC XXXX Phone : XXXX Background and Hardship : On XX/XX/year>, I was laid off from my corporate position at XXXX XXXX XXXX XXXX after XXXX years of service. Since then, I have been unable to return to my previous employment and have not been able to secure a new job, creating a severe and long-term financial hardship. Issues with Servicing : Late Fees Two late fees of {$47.00} each were applied during my hardship period. Escrow/Insurance Charges Hazard insurance was applied without my authorization. Failure to Offer Deferment I requested a hardship deferment or forbearance but have not received timely confirmation or proper servicing review. Account Accuracy Servicer has not corrected errors and has failed to follow federal servicing regulations ( RESPA and CFPB guidelines, 12 CFR 1024.35 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBJECT : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Dear, XXXXMidland Credit Management I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : Midland Credit Management XXXX XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The lender and dealership failed to process the XXXX claim after the insurance payout and instead cancelled the XXXX policy. The remaining balance being reported has not been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am formally disputing the account reported by XXXX XXXX XXXX, account ending in XXXX. I do not acknowledge this alleged debt and dispute the accuracy and completeness of this reporting. Under UCC 1-308 and UCC 3-501 , I reserve all rights without prejudice and request strict proof of claim. Please provide a verified contract bearing my wet signature, full accounting of the alleged debt, and documentation showing lawful assignment and authority to collect. Until such verification is provided, this account must be marked as disputed and removed from my consumer report pursuant to the Fair Credit Reporting Act. Failure to verify constitutes inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Midland Credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SUBJECT : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Dear, XXXXMidland Credit XXXX I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : Midland Credit XXXX XXXX XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Federal Law states company who sales a debt, must send the person a XXXX for Taxes. This was aware I was sick and trying to have a XXXX XXXX and lost my job and income.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
Bought a {$500.00} gift card XXXX XXXX card when I went to pay my items wit the card.The card was being used other locations that I was not at.The card was maxed out at those locations. I tried calling the number back of the card I could not get ahold of anyone. Called the store the card was purchased XXXX XXXX they could not do anything once the card was bought.the receipt does not match the card number that was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Company : Capital One Product : Platinum Credit Card Issue : Unexpected fee / Cash advance fee I am filing a complaint regarding unexpected cash advance fees charged by Capital One on XXXX transactions that I reasonably believed were purchases. On XXXX XXXX, XXXX, I used XXXX to pay an individual for a purchase. I selected the payment option through XXXX using my Capital One credit card. The transaction appeared to be processed as a normal purchase, and neither XXXX nor Capital One provided any warning during the transaction that the payment would be treated as a cash advance. After the transaction posted, Capital One assessed a {$10.00} cash advance fee on a payment of {$15.00}, as well as another {$10.00} fee on a separate XXXX transaction of {$66.00}. Interest also began accruing immediately. As a consumer, I had no reasonable way to know that using XXXX in this manner would trigger a cash advance classification. The XXXX interface did not warn that using a credit card could result in a cash advance fee from the card issuer, and the Capital One transaction authorization process also did not disclose that the transaction would be treated as a cash advance. I contacted Capital One customer service and escalated the issue to a supervisor, but they declined to reverse the fees. My concern is that the classification of these transactions as cash advances is not adequately disclosed to consumers at the time of payment. Without a clear warning, consumers can not make an informed decision about whether to proceed with the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: AR

Complaint narrative:
I recently reviewed some of the things the XXXX loan company was being sued for and truly felt Mohela also did the same to borrows like me. No communication about loans at all.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
on XX/XX/year> at XXXX, my Cash App account was hacked while i was sleeping and they were able to make to make XXXX purchases totaling XXXX off of my debit card I had stored in the app. I immediately reached out to Cash App and they started an investigation that said it would take XXXX business days but when I called on XX/XX/XXXX, I was told the investigation was still ongoing even though I hadnt received any updates to know that and was told to wait at least another XXXX weeks for an update. The persons name is XXXX XXXX in the app and made purchases of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WA

Complaint narrative:
Applied for XXXX buy back as I have been employed at a school for XXXX years with 92 % free and reduced price meals. I started working there full time XX/XX/XXXX. I was scheduled to have XXXX payments as of XX/XX/XXXX. I qualified for my loans to be forgiven as I would have made XXXX payments. XXXX of XXXX my loans were put into a forbearance against my wishes. Even if I made a payment, it would not have counted towards the XXXX payments required for forgiveness. XXXX of XXXX I removed myself from the SAVE Plan and entered into an Income Based Repayment Plan ( IBR ). I have been making monthly payments since then and am current with my payments as they are automatically deducted from my checking account. XXXX XXXX, XXXX I filed for the buyback plan as I had passed the XXXX year mark and XXXX payments for being employed by a qualifying government employer. XX/XX/XXXX I followed up with the program as I had not heard from them. Their response was to escalated my inquiry and get back to me or check on the website for updates. I have been checking for updates and/or responses. It is now XX/XX/XXXX and their has been no further messages or contact from this program. I clearly qualify. It has been 113 days from when I applied. It appears that they are stalling. Additionally, I have actually already overpaid. During the time of my forbearance, my monthly payments were {$360.00}. I made a payment on XX/XX/XXXX of {$360.00}. The forbearance lasted from XX/XX/XXXX to July 2025, 14 months. XXXX months X {$360.00} monthly payment amount = {$5100.00}. My payments started up again XX/XX/XXXX. The payments were raised to {$840.00}. I have been making additional monthly payments from XX/XX/XXXX to XX/XX/XXXX. 8 months X {$840.00} monthly payment amount = {$6700.00}. I have overpaid by {$1600.00}. I would like my refund please. The remaining balance on my student loans forgiven. And, the forgiven amount not be taxed as this should have all been done by the end of the year in XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I financed a purchase through Affirm for {$68.00} from an online merchant called XXXX. The product was advertised as a fully assembled burnaway bouquet intended as a ready-to-gift item for XXXX XXXX. The product page showed a finished bouquet that could be given as a gift. The item was also marketed specifically for XXXX XXXX delivery. When the package arrived, it did not match what was advertised. Instead of receiving a finished bouquet, the package contained loose components that resembled a do-it-yourself kit requiring assembly. The product delivered was materially different from the item shown in the advertisement. Additionally, the package arrived after XXXX XXXX, which defeated the purpose of the purchase since the product was marketed as a XXXX gift. I contacted the merchant to request a refund because the item did not match the advertisement. The merchant gave inconsistent responses. They initially stated personalized items were non-refundable, but then offered partial refunds and requested that I ship the item back to XXXX at my own expense. At XXXX point the merchant also stated that a refund had already been processed. I opened a dispute with Affirm and submitted evidence including photos of the item I received, screenshots of the advertisement, and the email correspondence with the merchant. Despite this evidence showing that the product did not match what was advertised, Affirm ruled in favor of the merchant and is requiring repayment of the loan. I believe consumers should not be required to repay financing for goods that are materially different from what was advertised. I am requesting that Affirm review this matter again and reconsider the dispute based on the evidence that the product was not as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/year> chime banking closed my checking and savings account without telling me anything by email or text. I was calling the customer service number and they telling me that there's nothing they can do about the information why they closed it and when. I really need that money in my savings account with them. They said its nothing they can do. Chime customer support didn't tell me that they would return it as a refund to my house address or nothing then they hung up the phone. I had over a XXXX dollars in my savings and XXXX dollars in my checking account and that money is for my daughter school.i need my money back right now. For chime to just close my account with letting me know anything and for to not be able to tell me why is so disrespectful and unprofessional. I really don't know what I am going to do now. This is horrible and wrong. I really need help with this, this is making me so upset.they cut off my account so I can't give you no documents from it. I can't log in to my account now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: ID

Complaint narrative:
Well apparently I had a writ of garnishment and they did a hard pull from my bank and then I called them the same day and they told me I owed {$3700.00} and that they could drop it down to XXXX if I paid right now and so I believe them and so I paid the {$3200.00} but the simple fact of the matter is they lied to me and told me they took {$500.00} off my debt when they really only took {$400.00} off because when I got the rent a garnishment the next day in the mail from my bank it said I owed {$3.00}, XXXX but the reason I'm making this complaint and I'm going to sue is because they use sneaky tactics and lied to me doesn't matter how much it was it was still a lie and still against the law and I'm going to activate my rights at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/XXXX Subject : Identity Theft Block Request Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally request that you block and remove fraudulent accounts from my credit file pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. I am a victim of identity theft, and the accounts listed below were not opened or authorized by me. Under federal law, once a consumer reporting agency receives proper documentation of identity theft, it must block the reporting of fraudulent information in the consumers credit file within four ( 4 ) business days. Enclosed with this letter are the required documents to support my request : A copy of my FTC Identity Theft Report A copy of my government-issued identification Proof of my Social Security Number Proof of my current address Please note that the law does not require a police report when an FTC Identity Theft Report is provided. Therefore, the enclosed documentation satisfies the statutory requirements for blocking fraudulent accounts. Fraudulent accounts to be blocked and deleted from my credit file include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX In accordance with federal law, you are required to block the reporting of this XXXX XXXX within XXXX ( XXXX ) business days of receiving this request. Please send written confirmation once these accounts have been permanently blocked and removed from my credit file. If you need additional information to process this request, please contact me at the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/XXXX Subject : Identity Theft Block Request Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally request that you block and remove fraudulent accounts from my credit file pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. I am a victim of identity theft, and the accounts listed below were not opened or authorized by me. Under federal law, once a consumer reporting agency receives proper documentation of identity theft, it must block the reporting of fraudulent information in the consumers credit file within four ( 4 ) business days. Enclosed with this letter are the required documents to support my request : A copy of my FTC Identity Theft Report A copy of my government-issued identification Proof of my Social Security Number Proof of my current address Please note that the law does not require a police report when an FTC Identity Theft Report is provided. Therefore, the enclosed documentation satisfies the statutory requirements for blocking fraudulent accounts. Fraudulent accounts to be blocked and deleted from my credit file include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX In accordance with federal law, you are required to block the reporting of this XXXX XXXX within XXXX ( XXXX ) business days of receiving this request. Please send written confirmation once these accounts have been permanently blocked and removed from my credit file. If you need additional information to process this request, please contact me at the address listed above. Thank you for your prompt attention to this matter. 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 non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy federal saying I had a credit card and it was never my card or bank the info was done by fraud am I been dealing with it for years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
I am filing a complaint regarding a collection account being reported for {$280.00} allegedly owed to XXXX XXXX XXXX. I mailed a certified debt validation request to the company reporting the account as Online Collections XXXX. The letter was delivered and signed for. The company later responded under a different name, Online Information Services, and only provided a copy of a final utility bill. They failed to provide proper debt validation such as a signed agreement, full account history, itemized statement showing how the balance was calculated, proof of assignment or ownership of the debt, or documentation establishing their legal authority to collect and report this account. Additionally, this same alleged debt is being reported under multiple inconsistent company names including Online Collections XXXX, Online Collections XXXX, Online Information Services, and Online Information Ser. All names reflect the same balance and dates, which creates inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act. The account also shows a recent balance update in XXXX despite the alleged delinquency dating back to XXXX, which creates the appearance of re-aging the debt.

Company response to consumer: Closed with explanation