vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
I applied for a tax exemption for my property taxes for the town of XXXX due to me being on XXXX. I reported the new property taxes balance to lakeview mortgage company to be updated. It appears the update was never done, the company claims that the amount can not be verified as being correct. I reached out to them on XX/XX/year> after having the new tax information emailed to me from the Town of XXXX so it could reach them in time to get paid and have a new escrow analysis done prior to my XX/XX/XXXX payment. The new payment reflect a decrease that may help my escrow account balance from increasing.

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 2026-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
My husband and I are elderly My husband is a XXXX XXXX with XXXX The cost of living has gone up tremendously I'm trying to back on track with my mortgage I need options all they want to do is foreclose because we are elderly We need to stay in our home we need help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: GA

Complaint narrative:
Dispute it as a fraud account. If you're online with the bureaus put in the comment section I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I submitted an application for a loan ( # XXXX ) based on a specific amount financed ( {$56000.00} ), as set term ( XXXX months ), and a payment ( {$1200.00} ), which matched my expectations based on an XXXX based calculation using the same term, rate and principal balance. Furthermore, even the PenFed website reflects the correct amount up until you get to the promissory note, which then reflects a payment of {$1200.00}, which is {$2.00} per month higher and a total of {$110.00} over the term. When speaking with a PenFed agent I was told it is due to the numbers of days in the months and that the {$1200.00} was just an estimate. I have never had a straight-line amortized loan not calculate out exactly as it should, since the payment is based on the number of days since last payment not days in a given month. I asked if the payment date was moved back, which resulted in additional interest and the agent stated the payment dates are different, but noted that she was relaying it based on what was told to her. So, the agent was not at all familiar with the loan process and could not clearly articulate why their estimate and my estimate did not match what their loan documents reflected, in the amount of an additional {$110.00}, which I could not avoid paying. This is the classic bait and switch. There is no reason why the payment or additional interest expense could not have been displayed sooner in the process, even if it is clearly erroneous, and it resulted in me incurring a hard credit pull for which I received no benefit. I will sign the loan based on the terms I have repeatedly been offered, and I independently calculated, but I will not allow PenFed to scam me out of {$110.00} for which they can't even explain.

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 2026-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION
State: GA

Complaint narrative:
On XXXX, I recently pulled my credit report and noticed several negative accounts that are reporting inaccurate and without my knowledge. Please help me get these accounts removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I put a deposit of {$250.00} for a hotel room on a company trip from XXXX XXXX, and stayed without issue and the incidental charge was released by the hotel immediately after my final checkout, which was verified by the hotel XXXX. I called the next week and asked when the funds would be released, and TD Bank said the hotel never released it ( which was a lie ). I called and got confirmation that the hotel released the funds and sent the documentation that they provided with all transaction information to the fax given to me by the TD Bank employee that I spoke to. I called next day to verify the fax was received, to which they stated it wasnt. I verified it was sent in my end. After yet another business day, I reached out again, and TD stated that they wont release the funds until XX/XX/XXXX. I escalated the claim for my funds to be released. TD then told me that it wouldnt be released until the actual hotel sent the documents on company letterhead verifying that the release was processed. After the happened, no response. It is now XXXX weeks after I initially sent documentation to TD, the funds are still being held, and now the actual branch that I go to, the XXXX is involved for the last XXXX days sending the same information that has been sent multiple times and she is now escalating the issue internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dispute it as a fraud account. If you're online with the bureaus put in the comment section I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
On or about XX/XX/year>, a MILITARY STAR credit card account was opened and later reported to the credit bureaus in my name without my authorization. The account is currently reporting a balance of approximately {$3300.00} and a recent XXXX late payment. I did not apply for, open, authorize, use, or benefit from this account. As a result of this reporting, my credit scores have been significantly damaged. The account is being reported as delinquent and continues to negatively affect my ability to obtain credit. I have reason to believe this account is the result of identity theft and/or unauthorized use of my personal information. I am requesting that MILITARY STAR conduct a reasonable investigation, provide all application and account-opening records associated with this account, including any signatures, electronic application records, IP logs, identity verification records, transaction records, and communications, and determine whether the account was fraudulently opened. I have disputed this account and am seeking correction of inaccurate information being reported to the credit bureaus. Despite my efforts, the account continues to be reported. The inaccurate reporting has caused substantial harm to my credit profile and financial standing.

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 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
In early XXXX I attempted to make a payment on my Target credit card account over the phone for a small balance ( approximately {$10.00} ). Although I completed the payment process, the payment did not successfully process due to what appears to have been a system or processing issue. I was not notified that the payment failed, and I did not receive any clear communication that the account had become past due. As a result, this small balance escalated into a reported XXXX day delinquency. This does not reflect my actual payment behavior, as I made a good-faith effort to pay the account. The issue arose from failed payment processing and lack of notification, not from intentional nonpayment. This derogatory mark, reported around XX/XX/year>, continues to negatively impact my credit profile even though the account is now closed and the balance issue was minimal. I am currently in the process of applying for a mortgage, and this inaccurate and disproportionate reporting is affecting my ability to obtain favorable terms. Additionally, I have remained a consistent Target customer and actively use a Target debit card, demonstrating an ongoing positive relationship with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: IN

Complaint narrative:
I had {$550.00} of a repossession fee to pay off at the end of my car loan. I was told that the automatic payments would come out and received text messages on XX/XX/year> and XX/XX/year> stating that an automatic payment was going to come out. I checked my account the night before to make sure that there was money in the account and there was. The payments did not come out and there was no notice that the payments werent made. I received a letter dated XX/XX/year> stating that the balance for the reposition fee was still owed. I received this the following week and it was opened on XX/XX/year>. On XX/XX/year> I called and spoke with a representative asking why those payments were not taken out. He said that they are on a separate system and that they arent able to use the auto payment option with those. I asked why that wasnt what was communicated to me when the last payments were set up. He wasnt sure and stated that I would have XXXX days to pay off the remainder. I spoke with a supervisor today XX/XX/year> and they told me the same thing. They are saying they are unable to give me the extra time to pay it off and Im on the hook for the remainder after I paid what I could on XX/XX/year> ( {$150.00} ) and have until XX/XX/year> to pay the rest off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dispute it as a fraud account. If you're online with the bureaus put in the comment section I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capitol is a third party in have never had any contract with them they bought the debt from XXXX and It the wrong date and amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Dispute it as a fraud account. If you're online with the bureaus put in the comment section I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/2026, I contacted SoFi customer service to close my checking and savings accounts due to ongoing service issues. The phone agent processed the closure but failed to provide a confirmation number or send a confirmation email. When questioned, the agent placed me on hold but failed to mute their microphone. I overheard the agent explicitly stating to a colleague or to themselves that they had no idea if a confirmation email will be sent and asked me to just trust him. My account access has been revoked, I have no paper trail, and the agent 's hot-mic admission proves negligence and a total lack of training. I demand immediate corporate tracking of my funds, an official confirmation of closure, and delivery of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: IA

Complaint narrative:
The company that is harassing me is Wilshire Consumer Credit for a loan that is no longer applicable due to the original financial institution going bankrupt and the project that the loan was for not being completed. I have talked to multiple lawyers who have stated that I do not need to pay for a loan that has these sorts of issues. The last contact with XXXX XXXX XXXX was back in XXXX by this company to try to get me to pay for said loan I refused at that time due to said issues and the company dropped the issue due to multiple lawsuits. Earlier this year Wilshire Consumer Credit took over said loan process and started asking me to pay for this loan which is around XXXXXXXX XXXX I have asked and told them multiple times the reasoning for refusal to pay and to not contact me but they still are.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
When I received my XX/XX/year> credit card statement from Citicard, there were a number of fraudulent charges on it. I notified Citicard on XX/XX/XXXX and identified all of the erroneous charges and paid the valid charges in full by the due date. When I received the next statement, Citicard transferred XXXX of the fraudulent charges to the new account. I called them again on XX/XX/XXXX and was told that the other fraudulent charge was credited back on XX/XX/XXXX. However, when I received my XXXX statement, they had not done it and also charged me interest for not paying the balance in full. That agent told me that they would remove the interest charge and they did that. However, when I received my XXXX statement, the fraudulent charge is still included in the outstanding balance and they again charged me interest. Over a period of XXXX days I tried calling Citicard and finally got through on XX/XX/XXXX. That agent could not explain why the fraudulent charge had not been removed and I did not get a clear answer from them. I need your help. When this has happened on my other cards, I'm never responsible for fraudulent charges and most certainly should not be charged interest when I pay the valid balance in full each month. This particular card never leaves my home and only has on it several recurring bills each month. In addition, every time I call them their voice recognition system does not recognize my account when I enter it..... Thank you. P.S. I apologize but I will not be able to reply to any correspondence until after XX/XX/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 monetary relief
Consumer complaint received 2026-06-09 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: TX

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair 3Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

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 2026-06-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair 3Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I requested the complete investigative reports and documentation relied upon to deny my fraud claim, as permitted under Regulation E. Cash App customer support agreed to send these documents to my email, and I am currently waiting to receive them. However, during the exact same conversation, the representative explicitly denied my request to submit new physical evidence ( a local police report and proof of a fraudulent XXXX tracking number ) and stated that all scam reports are final with no option for an appeal. Another victim of the scammer reached out to me asking if I got scammed as well, the other person send money to a different cashapp account. Showing this is multiple accounts associated with intentional scams on the cashapp platform. I have a screen recording of my conversation with the scammer, it's a large file and can't be uploaded on this portal, please contact me directly for it if desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I had a credit card in collections for the amount of {$10000.00} and they agreed to settle for {$4800.00}. I received a check from the finance company ( refinanced the house ) for the full original amount. I sent both check and settlement letter to USAA for payment. They kept the entire {$10000.00} and stated, since the check is for the original amount, then the difference will no be refunded

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
When I updated to a new phone, Sofi bank app did not transfer. Many days and calls later I have a complaint number have spoken to XXXX managers and have a tech ticket for the error. XXXX has failed to attempt to resolve the issue and I can not have access to my savings account because I can not see the correct account information on the app. My savings is important to me for emergency health care and it is needed urgently. At this time, I can not access any funds from savings or even see what transactions are going through my account.

Company response to consumer: Closed with explanation