vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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: MD

Complaint narrative:
I want to make it clear that this complaint is not submitted in error. My credit report contains multiple accounts with inaccuracies that are not being reported with maximum possible accuracy. These errors have been ongoing and are placing a significant burden on me, continuing to negatively impact my financial situation during already challenging times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint against Citibank regarding a {$380.00} balance transfer fee that resulted directly from incorrect guidance provided by their representatives and their repeated failure to deliver my credit card despite multiple requests. I was approved for a Citibank credit card that included a promotional offer of 0 % interest for XXXX months on new purchases. I intended to use this card for a purchase that required payment to a merchant by XX/XX/year>. Despite being approved well in advance, I never received the physical card. I contacted Citibank multiple times over approximately a month prior to the payment deadline to inquire about the missing card. Each time, I was told a replacement had been sent. However, the card never arrived. As the payment deadline approached, I contacted Citibank again and explained the urgency. I specifically asked if they could process the payment to the merchant directly due to the ongoing issue with card delivery. I was assured that a replacement card would be sent via overnight delivery and that the issue would be resolved. The card still did not arrive in time. Because I needed to meet the XX/XX/year> deadline, a Citibank representative instructed me to place the purchase on another credit card and then perform a balance transfer once my Citibank account was accessible. I relied on this guidance. As a direct result of following Citibanks instructions, I incurred a {$380.00} balance transfer fee. This fee would have been entirely avoidable had Citibank delivered the card as promised or processed the payment as requested. The fee exists solely because I followed the instructions provided by Citibank representatives after their failure to deliver the card. I submitted a formal dispute to Citibank explaining these circumstances. My request was denied without adequately addressing the service failure or confirming whether the recorded calls and account notes were reviewed. I am requesting that Citibank review the recorded calls where I was instructed to perform the balance transfer due to the failure to deliver my card, and that the {$380.00} balance transfer fee be fully waived and credited back to my account. I believe this charge constitutes a billing error resulting from reliance on incorrect guidance provided by the creditor. I called at XXXX XX/XX/year> to report that mailman did not deliver the credit card. The agent name was XXXX. @ XXXX XXXX XXXX me the balance transfer fee will be waived because the card did not get there in time. The duration of that call was XXXX min and XXXX seconds.

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 2026-04-13 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I received notification that a credit of {$80.00} was applied to my XXXX XXXX / XXXX credit card as a result of a return. When I accessed my account, I verified the credit on my account, but noticed that I had made XXXX subsequent purchased online, but the credit wasn't applied to either purchase, so it was just sitting in my account. The representative I spoke with told me that the credit was returned to my bank but further research confirmed that the credit was applied directly to my instore credit card. When asked why it wasn't applied to the XXXX charges made, no one could answer the question. I don't know where this credit is or how to access it as it appears to be just sitting in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I am filing a complaint regarding improper mortgage servicing by NewRez LLC involving misapplication of payments, escrow mismanagement, and obstruction of loan payoff. What Happened : I made multiple payments designated as additional principal through NewRezs system. These payments were sufficient to reduce my loan balance to zero. However, NewRez : placed payments into unapplied status failed to apply funds to principal prevented payoff of the loan Their own records show that the principal balance would have been {$0.00} after payment, yet they refused to apply funds. They then claimed that : their system does not allow partial payoff a full payoff including escrow and fees was required This is not consistent with my mortgage agreement. Escrow Issues : Hazard insurance was not escrowed under my loan NewRez paid hazard insurance anyway from escrow This created a negative escrow balance That balance was added to payoff This is improper and violates escrow servicing rules. Insurance Issues : I maintained valid insurance coverage NewRez claimed lack of insurance evidence They attempted to justify additional insurance requirements They referenced lender-placed insurance Their own documentation states insurance requirements are based on the outstanding loan balance. At the time, the balance was effectively zero. Current Issue : NewRez continues to maintain a nominal balance ( as little as {$0.00} ) and use that to : keep the loan open justify servicing actions interfere with payoff Violations : Misapplication of payments ( RESPA ) Improper escrow handling ( RESPA 1024.17 ) Inaccurate payoff statements Deceptive servicing practices ( UDAAP ) Breach of mortgage contract Resolution Requested : Correct payment application Remove improper escrow charges Adjust loan to reflect full payoff Provide release of lien Cease all servicing activity

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am eligible for XXXX XXXX XXXX XXXX with XXXX qualifying months of employment. However, due to a servicing/accounting error, XX/XX/year> is missing from my XXXX qualifying payment count despite certified qualifying employment. My tracker incorrectly skips from XX/XX/year> to XX/XX/year>, leaving me at XXXX instead of XXXX. MOHELA states they have reported correctly, and XXXX XXXX XXXX has not corrected the error despite a submitted reconsideration request. This error is preventing my XXXX discharge and buyback eligibility. I am requesting an immediate manual review and correction of my XXXX count to reflect all qualifying months. I have already made several calls and filed multiple reconsiderations without any action taken.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 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: ADP Inc.
State: AL

Complaint narrative:
I started to open account with ADP, because of misunderstanding with insurance. I decided not to use, them with workers comp. That was around XX/XX/XXXX. Workers ' comp is required for what doing, plus I am just starting up. I thought, everything was over the saleswoman, said it was cancelled. I never ran payroll or had any worker. I decided to try them again. I receive a email that I didn't get till last of XXXX saying, that I need to cancel, my new salesman said it was cancel. On XX/XX/XXXX my account was debit for payroll processing and XXXX. i never ran payroll or finishing setup account. I couldn't pay my insurance because unauthorize transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
THIS COMPANY IS A DEBT COLLECTOR AND HAS NO LEGAL RIGHT TO COLLECT ON A DEBT THAT I DID NOT HAVE WITH THEIR COMPANY. I DO NOT HAVE A CONTRACT WITH THIS COMPANY AND THEY CONTINUE TO REPORT A DEBT THAT THEY BOUGHT. SINCE IT WAS BOUGHT THAT MEANS IT WAS PAID AND I DID NOT RECEIVE A 1099-C FROM THEIR PURCHASE. I SENT A CEASE AND DESIST LETTER AND I ALSO DID NOT CONSENT FOR THIS DEBT TO BE BOUGHT. THIS COMPANY IS REPORTING NEGATIVELY AND DO NOT HAVE MY PERMISSION TO REPORT ANYTHING TO ANY COMPANY INCLUDING THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Investigation Solar Loan Account To Whom It May Concern, I am writing to formally disputing my solar loan account currently serviced by Regions Bank ( formerly EnerBank USA ) . I entered into this financing agreement based on representations made by the solar company that my total monthly energy costs would be approximately {$150.00}. However, my current monthly costs are significantly higher. i am paying approximately {$260.00} per month for solar loan in addition to {$150.00} or more for my electric bill, resulting in total monthly costs exceeding {$400.00}. Additionally the solar company presented tax incentives and rebates in a manner that suggested my overall system cost would be significantly reduced. in reality, i am financing approximately {$45000.00}. I have made multiple attempts to resolve this issue with the solar company but have received no meaningful response and have been given inconsistent contact information. I have also filed a complaint with the Federal Trade Commission regarding this matter. I am requesting : A formal investigation of this loan due to misrepresentation at the point of sale A full breakdown of loan origination, interest, and fees Information on possible dispute resolution of remediation options Account : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint regarding the sudden deactivation of my Cash App account without clear explanation. My account was used strictly for personal, everyday purposes such as paying bills, making purchases, and sending/receiving money with friends and family. I have never used my account for business, gambling, or any prohibited activity. The only recent transaction that may have appeared unusual was receiving {$430.00} from my brother, which I used shortly after to pay a phone bill. This was a one-time personal transaction and not part of any business or suspicious activity. Despite this, my account was permanently deactivated for an alleged Terms of Service violation. When I contacted support, I was not given any specific reason or details about what activity caused this decision. I am requesting : 1. A clear explanation of the specific reason for my account closure 2. A full review of my account and reversal of the deactivation if it was made in error I am willing to provide any additional documentation or verification if needed. This lack of transparency and inability to resolve the issue directly with support has caused inconvenience and concern. I respectfully request that this matter be reviewed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am submitting a complaint regarding Huntington Bank 's refusal to reverse a fraudulent/scam transaction totaling {$350.00}. I made an online purchase from a company called " XXXX XXXX '' The item I received was completely different from what I ordered. When I attempted to contact the merchant, I discovered they operate without a phone number, physical mailing address, or legitimate customer support. Their only communication channel was XXXX XXXX. When I informed them they sent the wrong item and requested a refund, they responded with " are you brain dead we are not refunding you anything '' and then blocked me, preventing any further communication. This clearly demonstrates fraudulent behavior and intentional refusal to resolve the issue. I disputed the charge with Huntington Bank. I have been a customer for over XXXX years and expected consumer protection. Huntington requested additional documentation and photos, which I provided. Despite this, they denied the dispute stating the transaction was " authorized. '' While the transaction was authorized, the merchant committed fraud by : Sending the wrong item Refusing return/refund Blocking communication Operating without legitimate contact information Using XXXX-only support to avoid accountability Huntington Bank failed to properly evaluate the dispute under fraud and consumer protection standards and instead relied solely on authorization of the transaction, ignoring the fraudulent fulfillment. As a result, I am left responsible for {$350.00} despite being the victim of a scam merchant. This response from Huntington Bank is unacceptable given my long-standing relationship and the clear fraudulent conduct by the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Company : Midland Credit Management Complaint Summary I am submitting this complaint as a formal escalation regarding Midland Credit Management and the continued reporting of multiple disputed accounts that remain inaccurate, inconsistent, and unverifiable. This matter was previously the subject of a CFPB complaint. However, Midlands response failed to resolve the issues and did not include sufficient documentation to validate the alleged debts. Accounts at Issue : Alleged Accounts ( Midland Credit Management ) : XXXX XXXX XXXX XXXX Key Violations & New Evidence 1. Material Inconsistencies Across Credit Bureaus The same accounts are reported differently across consumer reporting agencies, including : Conflicting dates of last activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent account status o Closed vs Open o Charge-Off vs In Good Standing No payment history reported on any account These discrepancies demonstrate that the information being furnished is not accurate, complete, or reliably verified. 2. Failure to Conduct Reasonable Investigation Despite multiple disputes, Midland continues to verify these accounts without : Identifying documentation reviewed Providing account-level records Demonstrating a reasonable investigation This indicates reliance on automated systems rather than compliance with FCRA requirements. 3. Failure to Provide Proper Validation Midland has failed to provide : Any signed agreement or contract A complete payment history or ledger Proof of ownership or chain of title Documentation establishing legal enforceability Their prior claim that verification was mailed is unsupported by any evidence and does not satisfy their obligations under federal law. Legal Violations FCRA Violations 15 U.S.C. 1681s-2 ( b ) Failure to conduct reasonable investigation 15 U.S.C. 1681i Failure of proper reinvestigation Furnishing inconsistent and inaccurate information FDCPA Violations 1 692e Misrepresentation of debt 1692f Attempt to collect unverifiable amounts Requested Resolution I respectfully request that : 1. These accounts be immediately deleted from all consumer reporting agencies due to : o Inconsistent reporting o Lack of verification o Failure to conduct reasonable investigation 2. Midland Credit Management : o Cease all collection activity o Provide written confirmation of deletion 3. All reporting be reviewed for compliance with federal law Final Statement This is no longer a standard dispute. The continued reporting of inconsistent and unverifiable information across multiple consumer reporting agencies demonstrates systemic failure to comply with the Fair Credit Reporting Act. If these issues are not resolved, I am prepared to pursue further regulatory action and legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
This collection account contains inaccurate, incomplete, and unverified information. I previously disputed this item with the credit bureaus and/or the furnisher, but the information continues to be reported without proper validation. Under 15 U.S.C. 1681i, the credit bureaus must conduct a reasonable investigation and delete any information that can not be verified. Under 15 U.S.C. 1681s2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection and provide validation upon request. The furnisher has not provided proper validation, yet continues to report this account, which is a violation of federal law.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I received notification from the credit bureau that a debt collection was added to my account by a company DRS in the amount of XXXX. I did not open an account with DRS. I have requested documentation in XXXX and have received nothing. I do not owe this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: MS

Complaint narrative:
On XX/XX/XXXX & XXXX my card was used at an online casino named lonestarcasino.com. Ive reached out the the website to get any information they can send to help understand how my card numbers were taken and used on their website but they have yet to return any information to me. Ive put in a dispute with my bank chime and they instantly denied my dispute within a day. Ive reached out and opened a rebuttal with chime and sent them what I could but, Im currently waiting on a police report but other than that idk what else to send them. I need help recovering the {$1700.00} that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Subject : Urgent Complaint Money Network Blocking Access to State XXXX Insurance Funds To Whom It May Concern : I am submitting this complaint regarding Money Network ( XXXX ), the payment contractor for the California XXXX XXXX Department ( XXXX ) State XXXX Insurance ( XXXX ) program. On XX/XX/year>, at approximately XXXX AM PST, I contacted Money Network regarding XXXX funds that were deposited into my Money Network account. I verified my identity, my routing number, and my checking account number. The representative confirmed that all information matched. Despite this, I was told to contact my bank. I immediately contacted my bank, who confirmed that there is no block, no restriction, and no issue on their end that would prevent an ACH transfer. I then attempted a threeway call with Money Network, but the call dropped. When I called Money Network back, I was placed on hold for an extended period and was unable to reach a representative. I also received contradictory information. XXXX informed me that a replacement card was being issued. Money Network stated that XXXX does not send cards, and that they had no record of a replacement card request. This contradicts both EDDs statements and Money Networks own role as the card issuer. At this time, I have funds in my Money Network account that I can not access, can not transfer, and can not withdraw, despite having a valid checking account and routing number on file. This has caused financial hardship and appears to be part of a broader pattern of consumer complaints involving Money Networks handling of XXXX benefits. I am requesting immediate regulatory review and intervention to : XXXX. Restore my ability to transfer my XXXX funds to my verified checking account 2. Investigate Money Networks handling of XXXX benefit accounts 3. Ensure that no improper holds, blocks, or delays are being placed on legally owed XXXX benefits I am prepared to provide call logs, screenshots, and documentation upon request. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation