vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Guild Holdings Company
State: OR

Complaint narrative:
Complaint : This complaint is not a duplicate and contains new and material information not included in prior submissions. I have been actively attempting to communicate with my loan servicer for several months in order to pursue loss mitigation options and avoid foreclosure. In XXXX, I requested a Single Point of Contact ( SPOC ) as an accommodation related to my XXXX under the XXXX to ensure consistent and effective communication. This request was made during a recorded phone call. A Single Point of Contact was never provided, and I was not informed of the identity of any designated contact. During this time, I completed and submitted a full loss mitigation application and was notified that my application was complete. Despite having a complete loss mitigation packet on file, my loan was moved forward into foreclosure rather than being properly evaluated for available retention options. After disclosing my XXXX and XXXX XXXX, communication from the servicer significantly declined. During a period when I was hospitalized, a no-contact restriction was placed on my account without my knowledge or consent. This prevented me from continuing communication or participating in the loss mitigation process while foreclosure actions continued. As a result, I was effectively excluded from the process during a critical period despite having a complete application on file. Additionally, I was steered toward selling my property through a real estate channel connected to the servicer rather than being guided through retention options that may have allowed me to keep my home. I believe the handling of my account reflects a failure to properly evaluate my completed loss mitigation application, a breakdown in communication following disclosure of my XXXX, and improper progression toward foreclosure despite my ongoing efforts to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am the beneficiary of a XXXX ( Uniform Transfers to Minors Act ) account held at TD Bank in Pennsylvania. I am currently XXXX XXXX XXXX, which is well beyond the statutory termination age of XXXX under Pennsylvania law ( XXXX XXXX XXXX XXXX XXXX ). Under this law, custodianship has legally terminated, and the custodial property is required to be transferred to me as the beneficiary. Despite this, TD Bank has refused to allow me to access, retitle, or transfer the funds unless the custodian is present. I have contacted TD Bank both in person and by phone, and I have been repeatedly told that their internal policy requires the custodian to be present to close or access the account. However, the custodian no longer has legal authority over the account, and I am the sole legal owner of the funds. TD Bank is effectively restricting access to funds that I legally own by enforcing an internal procedure that conflicts with the termination of custodianship under Pennsylvania law. I am requesting that TD Bank : XXXX. Retitle the account into my name as the beneficiary, or XXXX. Release or transfer the funds without requiring custodian involvement I am also requesting clarification on the legal basis TD Bank is using to require custodian involvement after custodianship has terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
It was fraudulent account I never owned the card .my ex opened it and I found it during divorce.i

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint against Capital One regarding their handling of my debit card dispute ( Claim # XXXX ). I made multiple transactions using my debit card for goods that I never received. As a result, my account was debited without receiving the benefit of the transactions. I promptly reported this issue to Capital One and filed a dispute. Since then, more than 10 business days have passed. Despite this, Capital One has refused to issue provisional credit and has stated that my claim does not qualify, without providing a clear regulatory basis. Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ), financial institutions are required to investigate errors in a timely manner. If the investigation can not be completed within 10 business days, the institution must provisionally credit the consumers account while the investigation is ongoing. I have made multiple good faith attempts to resolve this matter directly with Capital One, including several written communications requesting updates and clarification of the investigation timeframe. These efforts have not resulted in a resolution or a sufficient explanation. Capital One appears to be misclassifying my claim to avoid its obligations under Regulation E. I am requesting that Capital One : Issue immediate provisional credit for the disputed amount Provide a written explanation citing the specific law or regulation used to deny provisional credit Confirm that my claim is being properly investigated under Regulation E I am seeking a fair resolution and full compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INC - XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 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 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am submitting a follow-up complaint against Fair Collections & Outsourcing ( FCO ) regarding Account # XXXX in response to their prior CFPB response dated XX/XX/XXXX. FCO claims they mailed validation on XX/XX/XXXX ; however, the ONLY document ever provided was a copy of the lease. This does not meet validation requirements under FDCPA 809 ( b ), as no itemized ledger or accounting was provided. We vacated the apartment in XXXX XXXX. Public rental records show the unit was re-listed on XX/XX/XXXX and removed from the market on XX/XX/XXXX. This demonstrates the landlord mitigated damages, yet the reported balance does not reflect any rent received after re-listing. Additionally, a security deposit of {$2500.00} was paid prior to move-out and has not been credited toward the balance. As of XX/XX/XXXX, FCO continues to report approximately {$8000.00} on my credit report and approximately {$8000.00} on a co-leaseholders credit report, resulting in a combined reported balance of approximately {$16000.00}. This misrepresents a single lease obligation and inflates the amount owed. Despite multiple disputes and a prior CFPB complaint filed in XX/XX/XXXX, FCO has never provided a full itemized accounting, rent ledger, or proof of how the balance was calculated. This constitutes violations of FDCPA 809 ( b ) and 807, and FCRA 623 ( a ) ( 1 ) ( A ) and 611. Attached screenshots from XXXX show the rental history of the unit, including that it was listed for rent prior to our tenancy in XXXX and removed from the market when we moved in. The unit was then re-listed on XX/XX/XXXX shortly after we vacated in XXXX XXXX, and removed again on XX/XX/XXXX, indicating it was re-rented. This confirms the landlord mitigated damages and that the reported balance does not account for re-occupancy or rent received after the unit was re-listed. A copy of co-lease holder XXXX XXXX XXXX XXXXXXXX credit report is also attached reflecting the double charge of {$8000.00}. I am requesting immediate deletion of this account from all credit reporting agencies and written confirmation of removal.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX-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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: OK

Complaint narrative:
am filing a complaint against Jefferson Capital Systems for violations of the Fair Debt Collection Practices Act ( FDCPA ). This company has repeatedly contacted third parties, specifically my father, regarding an alleged debt. In these communications, they disclosed my name and directly referenced a debt associated with a XXXX credit account, instructing that payment be made. These messages were sent multiple times via text message, not as a single attempt to obtain location information. This conduct goes beyond what is legally permitted. Debt collectors are only allowed to contact third parties for the limited purpose of obtaining location information and are not permitted to disclose the existence of a debt or repeatedly contact such individuals. By identifying themselves as a debt collector and referencing my specific account, they improperly disclosed private financial information to a third party. Additionally, the repeated nature of these communications constitutes harassment and an invasion of my privacy. This has caused distress and is a clear violation of my rights under federal law. I am requesting that this matter be investigated, that all unlawful communication cease immediately, and that appropriate action be taken against the company. I am also requesting deletion of this account from my credit report due to these violations. I have retained documentation of the messages sent and am prepared to provide evidence upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
its with paypal .. ive had my account for over XXXX years. i went on XXXXXXXX to make a purchase, selected paypal it opened a new window to connect to my pp account and then said the transaction failed. so i logged into my pp account and found that they blocked my account claiming they needed to confirm who i am. this meant uploading my license and facial scan .. so i said no. i contacted PP and said im not doing that because there was no reason for it and then more of my info would be on their systems which is even more dangerous for me if they are hacked .. they said they would not unlock my account .. so i said close my account and remove ALL my info. they then said that they wont close it unless i supply the exact facial scan and documents i told them I DONT WANT THEM TO HAVE.. so now my account and info is being held hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year>, a charge of {$170.00} from XXXX was posted to my account, and on XX/XX/year>, a charge of {$190.00} from XXXX was posted. I did not make or authorize either of these transactions. I noticed these charges on XX/XX/year>, and immediately contacted my bank to dispute them. The bank denied my dispute without providing any explanation or supporting evidence. I am requesting a proper investigation and all evidence used in the banks decision, including IP address, device information, and transaction location. If they can not demonstrate that I authorized these transactions, I request a full refund. I did not authorize anyone to access my account, and I have no prior history of similar transactions with this merchant.I am requesting a full refund of both of these transactions, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I filed a dispute on the XXXX less than XXXX hours chime bank denied my disputes without properly conducting a proper investigation. I made point of contact with the merchant. The merchant informed me that they have not even heard anything from the bank I reached out to Chime and ask them how did they come up with a denial so fast seeing that they did not consider my evidence or reach out to the merchant the supervisor informed me that there was nothing else she could do and Im asking to CFPB to get involved to see whats going on The merchant said they have received no correspondence from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Servicer under contract with Federal Student Aid
State: NE

Complaint narrative:
I am writing to formally file a complaint regarding the handling, communication, and processing of my XXXX XXXX XXXX XXXX ( XXXX ) application. I initially applied for XXXX during the period when program updates were actively being implemented under the previous administration. At that time, I was able to receive guidance via phone regarding the process. However, as administrative changes occurred, communication became inconsistent, and critical updates regarding the program appear to have stalled. Since submitting my application, I have made multiple attemptsvia both phone and emailto obtain clarity regarding the status of my loan forgiveness. Unfortunately, I have consistently received vague or generic responses indicating that processing is delayed, without any specific information, timeline, or direction. Key concerns include : I have not received a clear status update on my PSLF discharge. I have been unable to obtain confirmation of where my application is in the review process. Representatives have provided conflicting or unclear information ( including being told that multiple submitted forms may have negatively impacted my place in processing, without explanation ). I was advised to place my loans into forbearance due to uncertainty around processing, despite believing I qualify for forgiveness. I filed a prior complaint with the Department of Education and received only a generalized response citing delays. It has now been over 18 months since I began this process. Given that PSLF processing timelines have been communicated as approximately 45 days, this delay is excessive and unacceptableparticularly without transparency or accountability. At this time, I am formally requesting the following : XXXX. A complete and detailed status report of my student loans. XXXX. Documentation of all PSLF forms submitted on my behalf, including dates received and current status. XXXX. A record of all correspondence and actions taken on my account. XXXX. Clarification on where my application currently resides within the processing system. XXXX. Identification of the department or entity currently responsible for reviewing my application. XXXX. A clear and realistic timeline for completion of my XXXX discharge. Additionally, I want to express concern about the broader lack of clarity and accessibility within this process. Borrowers should not be left navigating conflicting information, unclear procedures, and indefinite timelinesespecially when fulfilling public service requirements tied to federal programs. I have also escalated this matter to my congressional representative, XXXX XXXX, due to the lack of resolution through standard channels. This process requires significantly improved transparency, communication, and accountability. I am requesting a substantive response addressing the concerns outlined above.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I obtained a {$1000.00} line of credit from CashNetUSA. I did not take any additional advances beyond the initial {$1000.00}. Since that time, I have made consistent biweekly payments of approximately {$100.00}. Despite making regular payments, my balance has remained extremely high. Based on information provided by the company, I have paid over {$1800.00} in total, including approximately {$430.00} toward principal and over {$1300.00} in interest and fees. However, my current balance is still approximately {$890.00}. The company applies payments primarily to interest and fees before principal, while continuing to charge daily interest at an extremely high annual percentage rate of approximately 299 %. As a result, my payments have had minimal impact on reducing the principal balance. I requested a detailed breakdown of how my payments were applied and an explanation of how my balance remains so high despite significant payments. While the company provided some information, their explanation confirmed that most of my payments were applied to interest and fees, and that interest accrues daily, making it difficult to reduce the balance. I believe this lending structure is unfair and predatory. I was not clearly informed or did not fully understand that the majority of my payments would go toward interest and fees rather than reducing the principal balance. This has resulted in me paying significantly more than the original loan amount while still owing nearly the full balance. I have attempted to resolve this issue directly with the company and requested to close the account, but they have refused unless the full balance is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SERV/PROGRESSIVE - XXXX * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is card XXXX neve opened it.probably my ex opened without my knowledge

Company response to consumer: Closed with explanation