vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
I am a licensed real estate professional reporting an unauthorized electronic fund transfer ( EFT ) of {$1100.00} that was deducted from my XXXX business debit card on XX/XX/XXXX. The merchant of record is Fay Servicing , LLC. " On XX/XX/XXXX, I assisted the borrower in sending a formal RESPA Request for Information ( RFI ) to Fay Servicing. This was a legal request for the complete servicing history and a XXXX XXXX of mortgage assignments. My email was listed as the contact point. Fay Servicing never responded to this RFI, violating the 5-day acknowledgment and 30-day response requirements under Regulation X. Furthermore, after they ignored my legal request, my personal business debit cardwhich I have never used with Fay Servicingwas hit with an unauthorized charge of {$1100.00} on XX/XX/XXXX. I requested an immediate reversal and a written explanation of how they obtained my private card data. They have refused to provide any written accounting, and I believe this unauthorized debit was done in retaliation for my role in assisting the senior borrower with their RESPA RFI. '' Crucial Facts : Unauthorized Transaction : I am not a borrower on the affected loan ( # XXXX ), nor did I ever authorize this payment. I suspect my card information was harvested from a RESPA Request for Information ( RFI ) I assisted a family member with on XX/XX/XXXX. Unapplied Funds : Fay Servicings own official mortgage statement dated XX/XX/XXXX, proves that they received the funds but never applied them to the loan or an unapplied funds account, showing a {$0.00} balance. Failure to Refund : Despite admitting they have the money, Fay Servicing refuses to issue a refund. XXXX XXXX XXXX verbally claimed a 'third-party vendor ' ( PNM ) is responsible and refused to put this explanation in writing. Regulatory Violations : * Regulation E ( 12 CFR 1005.11 ) : XXXX and Fay are failing their error resolution obligations for an unauthorized transfer. UDAAP ( Dodd-Frank Act ) : Fay is engaging in 'Unfair and Deceptive ' practices by withholding stolen funds and refusing written communication. I demand an immediate reversal of the {$1100.00} to my XXXX account and a written explanation of where these funds were routed. '' I am attaching all evidence that was sent to XXXX to reverse the charges and they have refused telling me to report to CFPB. XXXX has ignored and refused my request to follow the regulations and reverse the charge telling me to file with the CFPB. I have attached all my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: LA

Complaint narrative:
In XX/XX/year>, my credit scores dropped significantly due to a late payment that was incorrectly reported by my loan servicer, Ed Financial. This late payment should not exist on my credit report. Prior to this period, I had applied for and expected to be placed in forbearance due to unemployment. However, Ed Financial failed to correctly process and file my forbearance request, leaving my account in an active repayment status without my knowledge. Because my account was never properly placed into forbearance on their end, a payment came due that I was not aware of and did not make reasonably believing I was protected under forbearance. This was not a failure on my part. I took the appropriate steps to request forbearance. The error was made by Ed Financial in failing to process my request correctly. As a direct result of their administrative error, a late payment was reported to the credit bureaus in XX/XX/year>, causing significant damage to my credit score. I am requesting that the CFPB investigate Ed Financial 's handling of my forbearance request, require them to correct the late payment reporting to all three credit bureaus, and ensure this error is removed from my credit report. I have been actively working to resolve this and am prepared to provide any supporting documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received IRS Notice XXXX stating that my XXXX tax return did not match third-party reporting. The notice shows that Block , Inc. f/k/a Square, Inc. reported {$210000.00} in payment card/third-party transactions under my SSN. I have never opened a Square account or processed payments through Square. On XX/XX/XXXX, I contacted Square to report identity theft. Square confirmed they submitted the 1099-K reporting {$210000.00}. However, they refused to provide account application records, linked bank information, transaction documentation, or identity verification records. I was advised to file a police report. I filed a report with the XXXX XXXX XXXX XXXX XXXX and filed an FTC Identity Theft Report. On XX/XX/XXXX, Square confirmed they opened an investigation and provided a reference number. They stated I had to wait for the investigation to conclude. Despite this, Square has not provided documentation, corrected the 1099-K, or issued written confirmation of fraud. I contacted Square again on XX/XX/XXXX, and was told there was still no update. It has now been over 60 days since initial notification. Square continues to maintain the 1099-K was issued but refuses to correct or void it. This exposes me to substantial IRS liability for income I did not earn and creates ongoing financial and tax harm. I am requesting that Square provide all account opening and verification records, complete a proper fraud investigation, and issue a corrected or voided 1099-K immediately with written confirmation to both me and the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Block, Inc.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, numerous transactions were processed on my Square-issued XXXX account XXXX including large charges at XXXX XXXXrelated merchants in XXXX and multiple Cash App transfers, totaling several XXXX dollars. At the time these transactions occurred, I was not in XXXX and was thousands of miles away from the merchant locations. I did not authorize these transactions, nor was I physically present to complete in-person purchases. I promptly disputed the charges with Square. Square denied the disputes, stating that the transactions were valid because they were authenticated via XXXX XXXX, biometrics, or passcode, and therefore considered authorized under XXXX regulations. I then submitted a formal reconsideration request, clearly stating that I was out of state at the time of the transactions and that there is a location impossibility conflict between my physical whereabouts and the merchant locations. Square acknowledged receipt of this reconsideration request and advised that a team member would respond within 13 business days. Despite this acknowledgment, Square has not provided any substantive response or follow-up, nor have they requested documentation or conducted a meaningful investigation into the location discrepancy. The denial relied solely on authentication method, without addressing physical impossibility or potential credential compromise. I am filing this complaint because : Unauthorized transactions occurred while I was out of state Square denied disputes without evaluating location evidence Square failed to respond to or properly investigate my reconsideration request I am requesting that Square be required to conduct a proper investigation that considers physical location evidence and potential fraud, rather than relying exclusively on XXXX XXXX authentication to deny disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On the XXXX of XXXX, from XXXX to XXXX I had five unauthorized Chase branch atm withdrawals happen which I had no knowledge of. Chase failed to alert me, or ask for my consent before my life savings were drained and {$3900.00} was lost. I never withdrawal money and especially not in that quantity, this is a complete failure by Chase to prevent fraud. For further context, I never lost my debit card nor was the pin written on the card. The only way the chip and pin was used is if I was victim of a shimming attack at a XXXX XXXX, which I am not liable for. According to the words of Chase bank, they will not review their own atms footage or do any further investigation because the chip was used. According to law, a chip being cloned to do fraudulent activity is not the liability of the consumer. I had my physical card with my at my home address during the time sense I work from home for the federal government for XXXX XXXX. They have a verifiable timesheet that shows I was no where near XXXX XXXX when the transactions took place. For further context the transactions were at two different Chase branch ATMs, one in XXXX XXXX the other XXXX XXXX Florida. I was at my home location and the United States government audits their timesheets to prove that. Chase is refusing to do a thorough investigation, as per regulation e, the consumer is not liable if their info was stolen. That includes the pin and the chip. Chase keep saying the chip is not possible to be duplicated but I know this is a lie. Chase needs to comply with my legal liability, I did not authorize the {$3900.00} and I need it back, I reported within twenty four hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
On XX/XX/year>, I scheduled an online payment for my XXXX mortgage payment to be taken from my checking account on XX/XX/year>. Rocket Mortgage drafted the payment on XXXX XXXX, 2026 instead of the scheduled XX/XX/year>. My loan was just purchased from XXXX by Rocket and I have never had any issues until it went to Rocket. Not only did they draft the note early from my bank, they set up an auto payment without my consent. I assume this happened when the mortage was purchased from XXXX. I have tried several times to contact someone and no one will return my emails and of course NO ONE answers the phone at Rocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
A new hard inquiry hit my credit report for syncb/amazon that I didnt apply for. I spoke with the merchant who confirmed someone applied for the credit using my information and a different address. They initiated a fraud complaint and canceled the application. I also called the credit bureaus and reported the fraud and to have the inquiries removed from my credit report.

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 2026-03-02 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: IN

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XX/XX/year>, I booked a two-night XXXX XXXX XXXX XXXX XXXX XXXX XXXX reservation at XXXX Washington XXXX DC using my American Express XXXX XXXX . The booking qualified for the annual {$300.00} XXXX credit tied to my XXXX benefit year. As the stay date approached, XXXX XXXX XXXX was experiencing ongoing winter weather cleanup, with forecasts indicating the potential for additional severe winter conditions. My wife was XXXX weeks XXXX at the time, and traveling under those circumstances was not a safe or reasonable option. Before canceling, I contacted American Express XXXX in advance and attempted to modify the reservation to alternative dates so that I could still use the booking and preserve the XXXX credit. At that time, the hotel confirmed availability for alternative dates. However, the American Express XXXX system would not allow the date modification to be processed. I was advised that manual intervention was required. Despite follow-up and attempts by Amex XXXX XXXX to work with the hotel, the change could not be completed through American Express systems . By the time further escalation occurred, the hotel no longer had availability for the requested dates. At that point, cancellation became the only remaining option to avoid an automatic penalty. The reservation was canceled, and as a direct result, the {$300.00} XXXX XXXX XXXX XXXX credit was clawed back. The loss of the {$300.00} credit was not caused by misuse of benefits or a voluntary cancellation. It resulted from American Expresss inability to process a reservation modification despite hotel availability, which forced cancellation and caused permanent loss of a paid annual benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Validation of Debt Request - JEFFERSON CAPITAL SYST - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XX/XX/XXXX2024 I opened an account at Wells Fargo with a {$22000.00} social security check, keeping {$250.00}, leaving {$22000.00}. Due to my frequent housing changes and inpatient stays with XXXX, Wells Fargo put my money in a possible fraud general ledger. They did send letters, however because of the changes with COPE housing and inpatient stays I didn't receive the letters timely enough to do anything. I went to Wells Fargo in XX/XX/XXXX2025 to ask about getting my money. They claimed that Social security needed to put in a claim for the money and then reissue it to me. I had multiple visits with SS and they could only provide me with verification that the money is mine. Wells Fargo refuses to release the money to me regardless of my frequent requests and submissions of proof. I have had multiple visits with Wells Fargo as well as phone calls and sending faxes to request the money. I have all the documentation in paper format to prove my complaint and can fax it upon request. Unfortunately it is not uploaded on my phone or digitized.

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 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
In XXXX of XXXX a bill was presented for collections on my account from XXXX, i immediately disputed through XXXX and was told it was accurate. I put it out of mind and tried calling both XXXX and could not find any evidence of a bill. I put it out of mind and still in XXXX of XXXX its been reported over 9 times by RADIUS GLOBAL SOLUTIONS. I called XXXX and they walked me through finding the invoice on XXXX website. it was not possible as there is no bill of mine in their system. they then identified a different birthday and zipcode associated but were unwilling to delete the file. they then transferred me to XXXX who also was unable to find a bill for me and they too were unwilling to send correspondence to XXXX ensuring the matter was resolved and tried to send me back to XXXX in an endless cycle. The amount of this bill is {$520.00} and the damage to my credit is significant. These companies should be liable for damages and held to a much higher standard of verification of debt ownership prior to reporting.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reel Time Capital LLC
State: SC

Complaint narrative:
They sold to a Third party on XX/XX/year> XXXX sold after i sent the requested information and police report. The address is not mine the phone number is not mine and yet XXXX refuses to remove, It is against the law to sell a fraudulent account, at least that what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting two accounts inaccurately and refusing to correct them even after multiple disputes. 1. XXXX XXXX XXXX XXXX Account XXXX XXXX This account is reporting a charge-off with late payments. I have disputed this account several times because the information is inaccurate and can not be verified. Equifax did not provide proper verification and simply kept the same inaccurate reporting. This account does not appear on any other credit bureaus except Equifax , which shows the information is not being verified properly. 2. XXXX XXXX XXXX XXXX Account This collection account contains multiple inconsistencies. Equifax is reporting the wrong date opened, the wrong classification, and contradictory information. The account was removed from the other credit bureaus, but Equifax continues to report it with errors. Equifax has failed to provide the required Method of Verification under FCRA 611. They did not show how they verified the accounts, who verified them, or what documents were used. Because Equifax is the ONLY bureau reporting these accounts, I believe the information is inaccurate, incomplete, and not verified. I am requesting CFPB assistance because Equifax has not corrected or properly investigated these accounts after multiple attempts.

Company response to consumer: Closed with non-monetary relief