vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am filing this complaint against Early Warning Services , LLC for maintaining and/or reporting inaccurate and misleading information that is negatively impacting my ability to open a bank account. This issue originates from an account with XXXX XXXX XXXX, XXXX. that was reported as Suspected Fraud Activity. However, the facts clearly show that this classification is incorrect. On XX/XX/2025, I deposited a {$500.00} check issued by a third party as payment for services. I later learned that the check was fraudulent and that I had been the victim of a scam. I did not create, issue, or knowingly deposit a fraudulent check. As soon as I was notified, I immediately repaid the full {$500.00}. My account reflects a {$0.00} balance, and the matter resulted in NO MONETARY LOSS. Additionally, I filed a police report confirming that I was the victim of fraud. Despite this, I am being treated as if I committed fraud, and this information is preventing me from opening a bank account. Early Warning Services is maintaining and/or reporting inaccurate, incomplete, and misleading information that does not reflect the true nature of the situation. This is causing significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
Despite coming up with an agreed upon plan to cure the escrow shortage nearly a year ago after repeated attempts to contact the company PennyMac has again conspired to increase the shortage payment based on PennyMac sending the incorrect Insurance Company the Incorrect amount for our XXXX insurance renewal. They did the SAME thing last year where despite being told that our insurance was paid for the year IN TOTAL from our own funds... they sent a payment to our XXXX XXXX company. XXXX XXXX was the contact the dealt with both of these issues nearly a year ago. PennyMac claims they tried to call me but I did not receive a call from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by Santander. I previously disputed this account with the credit bureaus, but they verified the information without providing proof of accuracy. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 requires credit reporting to be fair, accurate, and verified. 15 U.S.C. 1681n1681o ( 616617 ) hold furnishers and credit bureaus liable for willful or negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I sent a request to this credit card company to to provide me a form XXXX form for this account. I have viewed my credit reports on ( XXXX, XXXX and XXXX ) and it shows that is credit card company is reporting this account as changed off account. A Changed Off - is when a creditor cancels or forgives a debt of {$600.00} or more and no longer believes a borrower will repay, several months of missed payments and writes off the unpaid debt as a loss. When this happens this is considered taxable income. Taxable income needed to be reported to the IRS. Not reporting Taxable Income can result in potential tax implications! I asked this credit card company to issue a form XXXX and they failed to provide it and ignored my request! I contacted the IRS and they informed me that no XXXX was issued but this credit card company is still reporting this account as changed off! This is considered fraud and I just wanted to be given my taxable document and for my credit report to be updated with the correct information!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I got a chime card in the mail out of the blue. Ignored it because I never made an account thinking it was some sort of promotional thing. I found it on my credit report from XXXX XXXX and disputed it back in XXXX thinking this would solve the issue. Recently, I received a check in the mail from Chime stating its a refund. Ive never signed up for Chime, nor do I want to. Customer service asked for social security, email, phone number. I asked to close the account, one member said the account was closed, another said I didnt have an account. When I asked how I dont have an account yet your company mailed me a check he could not answer. Now to go through the next steps with the fraud department at Chime, I need to take a picture of my physical ID and send to them with my FTC claim. Im not sending them the information and I need this account I never made closed. XXXX XXXX dispute resolution came back as unknown. XXXX XXXX has me opening the account in XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I had a account with XXXX. I had a cell phone as well as wifi router equipment I returned the wifi router buy was told that they could not take back the cell phone device and that I would owe for the phone device.this account was given to transworld systems inc on XX/XX/year>. The collection agency address is XXXX XXXX XXXX XXXX XXXX XXXX. Phone number is XXXX the amount is {$620.00}. The account number ends in XXXX. When I tried to communicate with XXXX and the debt collector I tried to explain to them I did return the equipment and that im not responsible for this deb buy I was told and threatened that this will remain on my credit profile until settled

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Business Processing Solutions, LLC
State: VA

Complaint narrative:
Company name| Professional Account Management , LLC * Company address -- XXXX XXXX XXXX, XXXX XXXX NY XXXX | | * * Company phone * * | ( XXXX ) XXXX | | * * Account number * * | XXXX | | * * Amount in dispute * * | {$340.00} | -- - I am filing this complaint against Professional Account Management , LLC ( " PAM '' ) for attempting to collect a debt that is not owed and that is the product of an unresolved fraud/billing dispute currently under active review by the Virginia Department of Transportation ( VDOT ) and XXXX Virginia XXXX * * Background of the Disputed Debt : * * The alleged debt arises from VDOT Toll Violation Citation No. XXXX. On XX/XX/XXXX, I formally disputed the underlying toll violation with XXXX Virginia and filed a complaint with VDOT, reporting the charge as fraudulent and not validly owed. XXXX Virginia confirmed in writing ( signed by Representative " XXXX # XXXX '' ) that " Your concerns are under review with VDOT. We will be in touch once the research has been completed. '' No final determination has ever been issued. * * Improper Referral to Collections : * * Despite my timely-filed dispute and the open status of the VDOT review , the account was nevertheless referred to PAM for collection. PAM is now attempting to collect {$340.00}, which consists almost entirely of administrative fees stacked on an original toll amount of {$0.00}, on an account that should never have been referred to collections while under active dispute. * * Failure to Validate the Debt ( FDCPA 1692g ) : * * PAM sent me a debt validation response dated XX/XX/XXXX claiming attached " documentation supporting the validity of the debt. '' However, no actual supporting documentation was provided only a one-page VDOT printout listing fees, with no toll transaction records, no vehicle identification evidence, no toll plaza data, and no proof of liability. This does not constitute lawful validation under the Fair Debt Collection Practices Act. * * Violations Alleged : * * XXXX. FDCPA, 15 U.S.C. 1692g Failure to provide proper validation of a disputed debt. 2. FDCPA, 15 U.S.C. 1692e False or misleading representation of the character, amount, or legal status of a debt. 3. FDCPA, 15 U.S.C. 1692f Unfair practices in attempting to collect a fraud-disputed debt. 4. FCRA, 15 U.S.C. 1681s-2 Risk of furnishing inaccurate information to consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am requesting assistance regarding my auto title loan with OneMain Financial. I have made multiple attempts via email, text, and written correspondence to request critical information about my loan, and the company has failed to provide adequate responses. Specifically, I have requested : * A complete copy of my loan agreement and terms * An itemization of all add-on products ( including GAP and service contracts ) * Information about cancellation and prorated refunds for these add-ons * My current payoff amount and balance breakdown * Information about hardship assistance or payment relief options Despite these repeated requests, the branch has either ignored my questions or responded only with offers to defer payments, without addressing my requests. My requests for documentation have not been fulfilled. I am concerned that I am being denied access to required loan documentation and information necessary to make informed financial decisions. I am also concerned that I may be paying for add-on products that I have requested to cancel but have not received confirmation or refund details. Additionally, I was previously informed that hardship assistance may be available in the event of financial difficulty. However, when I recently requested assistance, I was told no options were available beyond deferrals, which contradicts what I was told at the time of origination. This lack of transparency is preventing me from resolving my financial situation and may be contributing to ongoing financial hardship. I am requesting : 1. A full copy of my signed loan agreement and all associated documents 2. A complete breakdown of my balance, including principal, interest, and add-ons 3. Immediate review and processing of cancellation and prorated refunds for any eligible add-on products 4. Written clarification of all available hardship or repayment options 5. Confirmation that my account has been reviewed for all applicable consumer protections I would like all responses provided in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
First claim id XXXX Your previous response from XXXX XXXX did not address or resolve my complaint or the specific questions I asked. I have already spent a significant amount of time trying to get clear answers, and multiple Bank of America representatives across different departments have told me they could not identify any fraud on my account. Despite that, my access to XXXX has been blocked, and I have been wrongfully reported for suspected fraud to other financial institutions. This is unacceptable and needs be corrected. I am requesting a thorough investigation and a clear, detailed explanation of exactly which transactions were flagged as fraudulent and why they led to these actions. I also expect you to take immediate steps to reverse any wrongful fraud reporting made against me. It is not my responsibility to continue chasing down this information. That is your obligation. This is precisely why I escalated the matter to the Consumer Financial Protection Bureau. I expect a direct and complete response addressing these issues without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I received an email from Acima leasing on XX/XX/year> that I was approved for {$4200.00} to use at XXXX XXXX and it had an exp date on it but I ignored it thinking it was just some promotional email. The next day I received another email saying {$10.00} was taking from card ending XXXX to start the lease with XXXX XXXX. I do not have a card or an account with those numbers. I received another email stating with my verbal verification my new weekly payments will be {$150.00}. I have never spoken to anyone at Acima until I had to call and report this fraudulent account. I went to Acima website and there's 2 accounts listed. XXXX for XXXX XXXX and XXXX for XXXX. The XXXX order is mine. The XXXX XXXX order is fraudulent. The lease for XXXX XXXX has my name and an address of XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived or visted the state of PA and dont know anyone there. I also contacted XXXX XXXX and they have no record of this transaction being made in my name. The fraudulent Acima lease # XXXX states the first payment due is XX/XX/XXXX and the 90 day purchase price is {$4300.00} or {$8000.00} if it's not paid in 90 days. I am worried about this affecting my credit that I have worked hard on getting better. I have contacted Acima 's fraud department and I have also submitted a copy of my FTC report. I have not heard back from Acima 's fraud department since submitting the report. I would really like some help with this. I also XXXX that XXXX, PA address and it is listed for sale so it could possibly be a vacant home that the delivery was sent to. I really need help with this as I do not know what other steps to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I attempted to purchase a flight through XXXX XXXX for {$350.00}, along with optional flight protection for {$30.00}. The initial transaction did not go through successfully, which led me to contact PayPal Credit customer service for assistance. After speaking with a representative, I was advised to resubmit the payment. I did so, and the transaction was successfully completed. However, I later discovered that I am being charged twice for the same purchase both for the flight ( {$350.00} ) and the flight protection ( {$30.00} ), totaling duplicate charges of {$380.00}. I contacted PayPal Credit customer service multiple times to resolve this issue, but the experience has been extremely frustrating. The representatives have been unhelpful, and the issue remains unresolved. I have not received a clear explanation or a timely correction of the duplicate charges. Some error happened on paypal credits end and it must be corrected, terrible experience banking with you guys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I have a collection account on my credit profile for unpaid rent due to an XXXX. The collection account has been assigned to fair collections and outsourcing on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number ending in XXXX. The owed amount is $ XXXX unpaid rent. I lived at this complex from XXXX XXXX of XXXX and and In XXXX also I was XXXX from for approx 6 months. The apartment complex was aware that I was not living in the apartment due to me being XXXX. I dont feel that I should be responsible for this debt and it should be removed from my credit profile with XXXX XXXX XXXX XXXX XXXX I have tried several times to reach out to the apartment complex to explain why I was not able to pay the rent but they refused to speak to me because they said it was with this collection agency.This delinquent account should be removed from my credit profile as they were aware I was not living in the apartment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been attempting to make payments toward a Consent Judgment Agreement handled by XXXX XXXX XXXX on behalf of a major credit card issuer. The agreement requires monthly payments, and I have been making them as scheduled. Recently, the online payment portal stopped accepting my File ID and displayed an error stating that the file ID is invalid or that the account can not access the portal. I contacted the firm multiple times by phone and left several messages requesting assistance, but I have not received any response. Because the portal is inaccessible and the firm has not returned my calls, I can not verify my payment status, confirm that my payments are being properly credited, or obtain updated balance information. I also can not determine whether the account is restricted or whether the firm has changed the File ID or payment process. I am trying to remain compliant with the courtapproved payment schedule, but the lack of communication and inability to access my account create uncertainty and risk. I am requesting that the company provide written confirmation of all payments received, the current remaining balance, and clear instructions for how I am supposed to continue making payments. I am also requesting that they restore online access or provide an alternative secure electronic payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: DailyPay, Inc
State: FL

Complaint narrative:
I was accessing Dailypay Through XXXX for my XXXX XXXX job for this tax season XXXX and as soon as they stopped offering daily pay payouts they started holding my checks until Friday instead of sending them to my bank account as soon as they recieve d it. I can confirm through my employer and XXXX the check was sent.... they are lieing about not having the check yet which I cuaght during a chat with an agent of theirs. Most likely using money to invest with without knowledge or consent and not paying interest for using said income. This is shady and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A review of my consumer reports from XXXX and Equifax reveals material inconsistencies in how delinquency data is being reported for the same accounts. XXXX reports nine ( 9 ) 90-day delinquencies without corresponding 30-day or 60-day late payment progression beginning XX/XX/XXXX Equifax reflects 30-day and 60-day delinquencies prior to sixteen ( 16 ) 90-day delinquencies beginning in XX/XX/XXXX ending in XX/XX/XXXX This creates a situation where the same account reflects conflicting payment histories depending on the reporting agency, which is not logically or mathematically consistent.The absence of this progression in one report, while present in another, demonstrates that the furnished data is inconsistent and unreliable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: TX

Complaint narrative:
I entered into a delinquent property tax installment agreement with XXXX XXXX, Texas under XXXX and made XXXX payments while in good standing. Despite this active agreement, my mortgage servicer, Taylor Morrison Home Funding serviced by XXXX XXXX, advanced payment for the remaining property taxes and created a forced escrow account. This caused my monthly mortgage payment to increase from approximately {$3400.00} to over {$7400.00}, creating an unsustainable payment obligation and directly resulting in partial payment application, late fees, and negative credit reporting. The servicer initially denied that any payment agreement existed, but later admitted through their CFPB response that XXXX XXXX confirmed the installment agreement was in place and that payments had been made. They also admitted their XX/XX/2025 notice requesting proof of payment contained an impossible same-day deadline, which they later called a typo. Only a partial tax refund of {$1800.00} was applied to escrow, despite the county refunding the overage created by the servicers payment. The escrow shortage calculations remain inflated and unclear. The servicer is also reporting inconsistent mortgage payment amounts across the XXXX credit bureaus. XXXX reports my monthly payment as {$3400.00}, while XXXX and XXXX report {$7400.00}, materially damaging my debt-to-income ratio and credit profile. XXXX and XXXX also show conflicting dispute status language. I submitted a RESPA Notice of Error and hardship request due to identity theft, financial fraud, and recent unemployment in the household, but relief has been limited and the servicer continues to treat the forced escrow as fully valid.

Company response to consumer: Closed with explanation