vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
I applied for a VA refinance mortgage with Movement Mortgage. The loan was conditionally approved, and the transaction was expected to close in XX/XX/XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, Movement Mortgage issued multiple inconsistent and inaccurate adverse action notices for the same loan application. These notices cited conflicting reasons, including but not limited to : A purported mechanics XXXX on title ( which never existed and is public record ), Credit-related deficiencies contradicted by the lenders own loan XXXX communications, and Other adverse reasons that were inconsistent across notices. 

At no time did a valid lien exist on the property. The title issue involved Notices of XXXX later determined to be fraudulent, which were unrelated to any XXXX and were addressed separately through a notary surety process. Despite this, Movement Mortgage continued to issue adverse action notices referencing a lien or title defect that did not exist. 

Beginning in XX/XX/XXXX, I promptly notified Movement Mortgage of these inaccuracies and provided notice through multiple channels, including written emails and communications with senior regional personnel. Movement representatives acknowledged that certain adverse reasons were inaccurate or inconsistent and indicated the issues should not have occurred.

Despite these acknowledgments and repeated opportunities to correct the record, Movement Mortgage failed to issue a timely and accurate corrected adverse action notice. Some adverse action notices were issued outside the XXXX timeframe required under Regulation B, and others contained materially incorrect or contradictory information. 

As a result : I received multiple conflicting adverse action notices for the same loan application. 

The inaccurate disclosures were not corrected despite notice. 

My VA refinance was delayed and ultimately could not proceed as expected. 

The lenders disclosures did not accurately reflect the true basis for the credit decision.

This complaint concerns accuracy, consistency, and timeliness violations under the Equal Credit Opportunity Act and Regulation B, not the underlying title issue itself. I am requesting regulatory review
of Movement Mortgages adverse action disclosures and compliance practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I disputed a charge of {$4900.00} on XX/XX/year> for XXXX XXXX XXXX because the services provided were not as described and key amenities were unavailable without advance disclosure. 
After arrival I learned : The resort pool was closed for my entire stay The spa was closed The promised airport meet-and-assist and private lounge transfer did not occur Food and service were materially below the advertised five-star standard None of these limitations were disclosed before travel I am not an ocean swimmer and relied on the existence of a pool when selecting this remote resort. Had I known of the closures, I would not have booked. Because the property is on an isolated island with no alternatives, I had no ability to mitigate once there. 
I provided Citi with : The resorts written admission that the only alternative pool was occupied Booking confirmation showing no disclosure Emails confirming the arrival service failure My reliance statement Citi denied the dispute stating I received the services, which applies the wrong standard. The issue is whether services were AS DESCRIBED, not whether I physically stayed.

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 2026-02-09 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Navy Federal Credit Union in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Navy Federal Credit Union is reporting a charged-off account on my credit report with inconsistent and inaccurate information, including conflicting dates of delinquency, last activity, and charge-off across multiple credit reporting agencies. These discrepancies indicate potential illegal re-aging of the account, which is prohibited under FCRA 1681c ( a ) ( 4 ).

Additionally, the account is reported as closed, yet continues to reflect delinquency information, which is misleading and inaccurate. The severity of delinquency is also reported differently between credit bureaus ( e.g., 30 days late versus 120 days late ), demonstrating that the information is not being reported with maximum possible accuracy as required under FCRA 1681e ( b ). 

I have previously disputed this account with the credit reporting agencies. Despite the account being marked as dispute resolved ; consumer disagrees, the inaccurate information remains, and no documentation has been provided to substantiate the accuracy of the reported data or to verify the original Date of First Delinquency ( DOFD ) as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: PA

Complaint narrative:
On XX/XX/year> I received notice that XXXX  marked a major derogatory on my credit report for USCB Corp. for XXXX XXXX XXXX in the amount of {$820.00}. I have been a victim of identity theft several times in the past and this is fraud. I have no affiliation with this company, do not owe this debt, nor have I signed up for anything regarding this. I have never been contacted by this company regarding the fraudulent debt and did not have any information that this was happening until it hit my credit report. I am requesting that this be removed from my XXXX  credit report immediately and marked as fraud.

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I was alerted by the company XXXX  or about XX/XX/XXXX I believe I'm not sure of the date cash app sent me an alert saying they detected some fraudulent movement on my account and that they were going to lock my account from 24 to 48 hours so that they can do an investigation the following day I was alerted that my account was trying to bring up that by my phone I could see someone was trying to access my money but I was assured by cash out that the account was locked and the person did not get the money I called them at that time and they said they were aware of the situation and that they were handling the situation because they detected the fraud the following day XXXX and {$33.00} was taken out of my account family member sent me {$30.00} and that was taken out of my account I immediately contacted cash at at that time I was told again that the situation was being handled and a report was going to be sent to that fraudulent department I have not received anything from them so I proceeded to call and have been calling since the middle of XXXX I am being told every time I call that they are not aware of the old account there is no email set up for the old account no phone number for the old account after the money was stolen from my old account a new account appeared on my phone which I'm assuming was sent up bye cash app I opened the new account call them again they told me that they set up this new account cuz they were investigating the old account I gave them a new email it appeared that someone had hacked my email along with my cash app so I set up all new email account and gave them this information so that they could inform me of investigation I've called over 15 times and I have not received any results when this was going on I could see in my phone where the fraudulent person was chatting with cash at I was trying to let them know that this was not me but they did not acknowledge any of my messages they kept talking to the fraudulent person in the chat and I could see it in real time on my phone I made me tried it informed them by calling them and sending them messages and I was just completely ignored it's {$360.00} and I just want my money back I trusted them every time I call them it's the same thing we will put in a complaint for this it will be investigated and we will get back to you in 10 business days and then when I call them they have no idea what I'm talking about I'll talk to several agents and they give you the same spill over.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau regarding SoFi Banks unjustified closure and restriction of my bank account, which has resulted in significant financial hardship and inconvenience. 

Account Holder : XXXX XXXX XXXX XXXX : SoFi Bank SoFi Bank abruptly closed and/or restricted my bank account without providing any clear or justifiable reason. I did not violate any terms or conditions of his account, nor was I engaged in any suspicious or prohibited activity. Despite this, SoFi locked his funds, preventing me from accessing my own money.

Most concerning, SoFi failed to provide prior notice, explanation, or reasonable communication regarding this action. As a result, I have been unable to pay essential bills and meet financial obligations, causing unnecessary stress and disruption to my daily life.now facing the possibility of loosing my job due do not being able to access the necessary funds to secure transportation.

Repeated attempts to obtain clarification and resolution have been unsuccessful. SoFi has not provided documentation, evidence, or a valid basis for the account closure or the continued holding of my funds. This lack of transparency and due process is unacceptabl
e and inconsistent with fair banking practices.

I am requesting the CFPBs assistance to : Require SoFi Bank to release my funds immediately Provide a clear, written explanation for the account closure Ensure SoFi complies with consumer protection laws and proper notification requirements This situation has caused avoidable harm and hardship, and I respectfully ask for your prompt review and intervention. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX [ XXXX ] [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
COMPLAINT SUMMARY I am filing this complaint regarding serious mortgage servicing failures that resulted in improper default notices, ignored disputes, credit damage, loss of business funding, and foreclosure activity. 
DETAILED DESCRIPTION In XX/XX/XXXX, servicing of my mortgage loan transferred to United Wholesale Mortgage. Immediately after the transfer, my payment amount became incorrect due to failure to apply a XXXX temporary buydown. Autopay was disrupted. 
I paid the higher incorrect amount in good faith and contacted XXXX repeatedly ( XXXX calls ). I was later instructed on recorded calls not to pay while the issue was investigated and was told credit would not be negatively affected. 
Despite this, XXXX issued multiple written default notices beginning XX/XX/XXXX. At the same time, XXXX sent written confirmations stating that no delinquent reporting had occurred and that there were no credit issues. These statements directly contradict the default notices. 
In XX/XX/XXXX, I submitted a Qualified Written Request disputing the billing errors, default status, and credit impact. Receipt was confirmed. No substantive response was ever provided, and the loan was transferred unresolved. 
During this period, my credit score dropped from XXXX to approximately XXXX, and business credit lines ( including XXXX XXXX and business LOCs ) were reduced, resulting in approximately {$30000.00} in lost business funding. 
In XX/XX/XXXX, servicing transferred to XXXX. I immediately contacted XXXX and sent multiple emails to addresses provided by XXXX requesting payment instructions, loss mitigation, and guidance. None of the emails were answered, and promised callbacks never occurred. 
On XX/XX/XXXX, I received a foreclosure notice despite unresolved disputes, ignored QWR, lack of payment instructions, and ongoing servicing failures. 
I am not refusing to pay my mortgage. I am disputing servicing errors and requesting corrected accounting, loss mitigation, and time to cure arrears caused by servicer misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am submitting additional evidence and clarification regarding the disputed charge of XXXX XXXX ( {$2900.00} USD ), which was a refundable security deposit for a car rental while traveling in XXXX. 

Original Complaint XXXX XXXX XXXXXXXX Please see attached documentation.

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
XXXX XXXX customer service person put hold on my debit deposit in My XXXX  XXXX account I want my money be deposited in my personal account on XXXX  XX/XX/year> not waiting on XX/XX/year> XXXX compliant this came in My XXXX  XXXX account have phone number on cant get to my see my money from XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
Dear Aqua Finance , Inc., Thank you for your response. However, your explanation raises several unresolved issues that require clarification and correction. 

You state that the account was charged off as a loss on XX/XX/year>, and that the unpaid balance was written off from your receivables. Under IRS regulations ( 26 C.F.R. 1.6050P-1 ), when a creditor discharges indebtedness of {$600.00} or more and treats it as a loss, the creditor is generally required to issue a Form 1099-C to the borrower. To date, no Form 1099-C has been received, nor have I been notified that one was filed with the IRS.

If the debt was not discharged, then continuing to characterize the balance as a loss raises concerns regarding the accuracy and consistency of the reporting. If the debt was discharged, failure to issue a 1099-C is improper. Either scenario creates a material inconsistency that must be addressed.

Additionally, while you assert that Aqua Finance is not a debt collector under the FDCPA, you remain subject to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires that information furnished to credit reporting agencies be accurate, complete, and not misleading. Reporting a charged-off account as a loss while continuing to assert a remaining balancewithout clarity as to whether the debt was dischargedmay be misleading under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Complaint Narrative TransUnion Product : Credit reporting or other personal consumer reports Issue : Incorrect information on credit report Sub-issue : Account age / length of credit history I am submitting this complaint regarding TransUnions inaccurate and inconsistent reporting of credit aging metrics, including Average Age of Accounts and Oldest Account Age, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
Summary of the issue TransUnion is reporting credit age figures that materially differ from those reported by other national consumer reporting agencies ( including Experian and Equifax ), despite all agencies drawing from the same underlying credit history. These discrepancies demonstrate that TransUnion is either : Including accounts that should not be included in aging calculations, Excluding accounts that should be included, or Relying on inaccurate or unverified date opened data furnished by one or more data providers.

Credit age is a mathematical derivative of fixed historical account dates. It is not subjective. Different aging outcomes across bureaus indicate that TransUnions procedures are not ensuring accuracy. 
FCRA violations implicated This conduct implicates, at minimum : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a lawful reinvestigation of disputed information 15 U.S.C. 1681g ( a ) Failure to clearly and accurately disclose information used in credit scoring factors When credit aging metrics differ across agencies, at least one bureau must be reporting inaccurately. Continued publication of internally inconsistent aging data constitutes misleading credit reporting.

Harm caused This inaccurate credit aging information has caused and continues to cause : Artificial suppression of credit scores Increased perceived credit risk unrelated to actual payment performance Adverse impact on lending, housing, and credit access decisions Because credit age is a high-impact scoring factor, even small inaccuracies cause outsized harm. 

Requested resolution I am requesting that TransUnion : Conduct a documented reinvestigation of all account date opened data used in its credit aging calculations ; Remove or exclude any account data that can not be verified with complete and consistent historical records ; and Correct or suppress credit aging metrics that can not be calculated with maximum possible accuracy. 
If TransUnion can not ensure accurate and consistent credit age calculations, continued reporting of those metrics should cease. 
Supporting documentation demonstrating discrepancies across consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
The car started out at XXXX XXXX XXXX dollars. I put a down payment of XXXX XXXX dollars. I paid over {$11000.00} on this used vehicle and i still owe the same amount as when I started. 
The company told me to pay more money if I want to see the balance lower which is impossible for me. I pay over XXXX XXXX dollars a month. I feel like this company is robbing their customers legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
COMPLAINT SUMMARY I am filing this complaint regarding serious mortgage servicing failures that resulted in improper default notices, ignored disputes, credit damage, loss of business funding, and foreclosure activity. 
DETAILED DESCRIPTION In XX/XX/XXXX, servicing of my mortgage loan transferred to XXXX XXXX Mortgage. Immediately after the transfer, my payment amount became incorrect due to failure to apply a XXXX temporary buydown. XXXX was disrupted. 
I paid the higher incorrect amount in good faith and contacted XXXX repeatedly ( XXXX calls ). I was later instructed on recorded calls not to pay while the issue was investigated and was told credit would not be negatively affected. 
Despite this, XXXX issued multiple written default notices beginning XX/XX/XXXX. At the same time, XXXX sent written confirmations stating that no delinquent reporting had occurred and that there were no credit issues. These statements directly contradict the default notices. 
In XX/XX/XXXX, I submitted a Qualified Written Request disputing the billing errors, default status, and credit impact. Receipt was confirmed. No substantive response was ever provided, and the loan was transferred unresolved. 
During this period, my XXXX XXXX dropped from XXXX to approximately XXXX, and business credit lines ( including XXXX XXXX and business XXXX  ) were reduced, resulting in approximately {$30000.00} in lost business funding. 
In XX/XX/XXXX, servicing transferred to XXXX. I immediately contacted XXXX and sent multiple emails to addresses provided by XXXX requesting payment instructions, loss mitigation, and guidance. None of the emails were answered, and promised callbacks never occurred. 
On XX/XX/XXXX, I received a foreclosure notice despite unresolved disputes, ignored QWR, lack of payment instructions, and ongoing servicing failures. 
I am not refusing to pay my mortgage. I am disputing servicing errors and requesting corrected accounting, loss mitigation, and time to cure arrears caused by servicer misconduct

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