vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
XX/XX/2026 Dear XXXX XXXX, I received your voicemail messages on XX/XX/XXXX and XXXX, XXXX, in which you offered assistance from the Ombudsmans Office to an individual named XXXX XXXX. I believe this may have been an error, as I am not associated with XXXX XXXX. However, I am currently dealing with an ongoing foreclosure issue with Select Portfolio Servicing and have made multiple requests for assistance from your office without success. It is possible that you were attempting to reach me, XXXX XXXX, and I am hopeful that this may present an opportunity to connect regarding my situation. I would greatly appreciate the opportunity to speak with someone from your office about potential options to modify my loan, including adding the past-due balance to the back end of the loan. As a XXXX XXXX veteran with a service-connected XXXX, I have experienced financial challenges, but I remain committed to meeting my obligations. Unfortunately, a significant increase in my mortgage payment is not a sustainable solution on a XXXX salary. Because I am a XXXX XXXX, I am unable to take phone calls during the school day. Email would be the best initial method of communication, and I would be happy to arrange a time to speak by phone afterward if needed. Thank you for your time and consideration. I look forward to the opportunity to discuss possible solutions. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: SC

Complaint narrative:
I don't have the statement .but last XXXX they stole the quantity of the sums XXXX and never payed me it's been a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm charged off {$100.00} loan for a gift card I never got. I canceled the transaction. They tried to debit my bank acct still even after knowing I didnt get it and canceled. Now I have been going back and forth with them for a month to fix it I have provided documentation to prove its inaccurate information I reached out to the merchant and everything. I do not owe this {$100.00}. Affirm is saying they cant dispute even though one of the agents told me to call and dispute once I sorted my proof that its inaccurate. They keep disconnecting me, transferring my call and are not trying to correct it. It is wrong and inaccurate and I provide plenty of proof to show this!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RENASANT CORPORATION
State: FL

Complaint narrative:
Renasant XXXX has decided to transfer mortgage payment servicing from XXXX to XXXX XXXX, effective XX/XX/XXXX. As part of this transition, clients were informed of a two-month blackout period during which no late fees would be charged. I sold the property associated with this mortgage, with a closing date of XX/XX/XXXX. Given the timing of the servicing transfer and the closing, I chose to include any outstanding payments in the total mortgage payoff amount. However, upon receiving the payoff statement, neither I nor my banks mortgage account manager could clearly understand how the payoff amount was calculated. Specifically, it was unclear whether the outstanding balance had been included. Additionally, the payoff statement provided by XXXX in XXXX was significantly higher than the payoff statement issued by XXXX in XXXX. Despite numerous calls and emails from both my account manager and myself, XXXX has been unable to provide a clear explanation for this discrepancy. Furthermore, the level of customer service has been unsatisfactory, with repeated difficulties in obtaining accurate and consistent information.

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 2026-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
Complaint to CFPB Inaccurate and Contradictory Mortgage Reporting ( XXXX / XXXX Loan ) I am filing a formal complaint regarding inaccurate and misleading credit reporting by XXXX XXXX as reported on my consumer credit file with XXXX. The account in question is an FHA mortgage serviced by XXXX XXXX. My XXXX credit report reflects multiple contradictions and inaccuracies regarding this account. Specifically, the account is being reported as : - $ XXXX monthly payment - Paid in full/ transferred to another lender - Yet also showing delinquent status and negative payment history These entries are inconsistent and do not accurately reflect the true history of the account. The mortgage was paid in full, transferred appropriately, and maintained in good standing, with no late payments during the life of the loan. The reporting of delinquency is incorrect and misleading. Additionally, the reporting of a $ XXXX monthly payment does not reflect the actual agreed mortgage payment terms and contributes to an inaccurate credit profile. This inconsistent reporting is materially damaging my credit score and financial standing. It creates a false impression of delinquency despite the account being paid as agreed. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure that all reported data is complete, accurate, and not misleading in context. Reporting conflicting statuses such as paid in full, transferred, and delinquent simultaneously violates these standards and results in an inaccurate credit file. I have not been provided sufficient documentation supporting any alleged delinquency or negative reporting on this account. # # # Requested Resolution : 1. Full investigation into the reporting by Flagstar Bank. 2. Verification of complete mortgage history, including : - Payment history and amounts - Proof of any alleged delinquency - Transfer and payoff documentation 3. Correction of inaccurate reporting showing delinquency or late payments. 4. Correction of inaccurate $ XXXX monthly payment reporting. 5. Update of account status to accurately reflect paid in full, transferred, and never late/ paid as agreed. 6. Deletion of any derogatory or inaccurate information if it can not be fully verified. 7. Updates sent to all credit bureaus : XXXX, XXXX, and XXXX if applicable. 8. Written confirmation of investigation results and corrective actions taken. This reporting is inconsistent, inaccurate, and materially harmful to my credit profile. I request prompt investigation and correction in accordance with federal credit reporting laws. Thank you.

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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized transactions conducted through my accounts with Cash App and XXXX between approximately XXXX and XXXX, totaling over {$5000.00}. I recently discovered that funds were being transferred through my XXXX account into Cash App without my knowledge or authorization. At the time, I was not aware of these transactions and did not authorize any third party to access or use my accounts. This situation indicates potential unauthorized access, account compromise, or identity misuse. I did not knowingly approve these transactions, nor did I benefit from them. Upon discovery, I immediately reported the issue to both Cash App and XXXX and requested a full investigation. However, I am concerned that due to the age of the transactions, my claim may not be properly investigated or may be dismissed without adequate review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Mohela is my loan provider. I have no idea what I owe or how much I am supposed to be paying. I cant get online. They said I do not exist. I emailed and called numerous times. No one answers my emails and the phone doesnt exist. What am I supposed tp do?

Company response to consumer: Untimely response
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am filing this complaint against Debt Solutions Recovery for inaccurate credit reporting and failure to properly handle a disputed debt. On XX/XX/2026, I sent a written dispute and request for validation via certified mail. The company received my dispute on XX/XX/2026. Despite receiving my dispute, Debt Solutions Recovery reported and/or updated the collection accounts on XX/XX/XXXX, XXXXjust one day later. At the time of reporting, the accounts were not marked as disputed, and no validation of the alleged debts had been provided. I have also sent a follow-up demand letter ( attached ), which is in transit to the company. This conduct constitutes violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including continuing collection activity after receipt of a dispute and furnishing inaccurate and incomplete information by failing to report the accounts as disputed. I also disputed these accounts with XXXX, XXXX, and XXXX. The accounts were verified based on information provided by the collector, which remains inaccurate and misleading. I have submitted documentation supporting my claim, including certified mail records and correspondence. I have also sent a follow-up demand letter to the company, which is attached. Requested resolution : - Immediate deletion of the collection accounts from all credit reporting agencies - Written confirmation of deletion I request that this matter be investigated and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MN

Complaint narrative:
I am a public service employee with over XXXX XXXX of service at a community action agency in Minnesota. As of XX/XX/year>, I had made 108 qualifying payments toward XXXX XXXX XXXX XXXX ( XXXX ). On that same date, I applied for a buyback of 12 payments to reach the required 120 payments. The U.S. Department of Education has failed to process my buyback request in a timely or good faith manner. Had my request been processed appropriately, I would have received approval prior to subsequent legal challenges affecting the SAVE repayment plan. Due to these delays, I am now at risk of being required to make higher monthly payments and potentially face tax consequences on forgiven loan amountsoutcomes that would not have occurred if my application had been processed when submitted. I am requesting that my buyback be processed under the terms in place at the time of my application and that I not be penalized due to administrative delay.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
In XX/XX/XXXX a debt was posted to my credit report of {$100.00}. The collector XXXX XXXX XXXX identified an address for the account that I have never lived at in FL. They never attempted to collect the debt. I disputed and reported as fraud to the FTC and with all bureaus and the debt was removed. I heard nothing further until Equifax posted the same debt on my account on XX/XX/XXXX. I contacted the collector XXXX XXXX XXXX who informed me they did not have the address of the account holder and has NEVER made calls or sent notices. I disputed the debt since both Equifax and XXXX are reporting this same debt with different origin dates making it likely to be not valid. Equifax returned a few days later refusing to remove the account. One of my creditors have lowered my credit limit based on this. My account is flagged for ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: TX

Complaint narrative:
I have received eight ( 8 ) emails from a credit collections company called InDebted, from an email 'no-reply@indebted.co '. There is no way to respond to them. This is a BOGUS debt that was issued by XXXX ( XXXX ) communications for a prior account with them. That 'debt ' was given to another Collections company, XXXX XXXX XXXX in XXXX, XXXX. I found out about it by a notice from XXXX XXXX and immediately disputed the debt. The debt was shortly thereafter removed from my credit and resolved. I am attaching that dispute documents to show the same amount. Also attaching emails from InDebted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is knowingly reporting a materially false debt on my credit reports despite being provided with a binding court judgment establishing the correct amount. The company is reporting {$26000.00}, while a final court order establishes the debt as {$13000.00}. I have submitted disputes, documentation, and prior complaints, yet the company continues to report false information. This is not a dispute over interpretationit is a direct contradiction of a court judgment. National Credit Systems has therefore : Furnished information it knows is inaccurate Failed to conduct a reasonable investigation Continued reporting false information after notice This constitutes willful violations of the Fair Credit Reporting Act. I am requesting : 1. Immediate deletion of this account from all credit bureaus 2. Confirmation of deletion 3. Regulatory enforcement action for knowingly reporting false financial information This company is damaging my credit profile using information that has already been adjudicated as incorrect by a court of law. Immediate intervention is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
A company called portfolio recovery XXXX has been harassing my sister about my debt. And its becoming a big problem. They dont just call once they call more than five times already within one week. As of today, Sunday, XX/XX/XXXX of XXXX at around XXXX they called my sister about my debt. And they have been calling her about my debt consistently. I didnt give any consent for them to harass my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I made a purchase for XXXX on XXXX and cancelled the order the next day the package was never shipped or even left their warehouse Ive spoken to XXXX and they said they issued my refund and theres no reason I shouldnt have had it in the 3-5 business days this is currently the third week when I speak to cashapp they say the refund was never posted but XXXX says it was and cashapp says it wasnt cashapp wont contact XXXX to see the issue everytime Ive tried to contact a cashapp manager they say we already made a final decision that decision being made cause on their records XXXX never initiated the refund but when I spoke with XXXX representatives TWICE they said it had been so I have to play middleman for two horrible customer service companies and obviously cashapp isnt taking my word for it I need my money back and assistance PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
b'I am disputing a debt of $XXXX that XXXX XXXX XXXX XXXX is attempting to collect on behalf of XXXX XXXX XXXX (Account No. ending in XXXX, Reference ID: XXXX), originally from Citibank, N.A.\n\nOn XXXX XXXX XXXX, I sent XXXX a formal written dispute and demand for debt verification via Certified Mail (tracking no. XXXX XXXX XXXX XXXX XXXX XXXX). I requested: (1) a complete chain of title and assignment documentation from Citibank XXXX XXXX XXXX XXXX (2) the name and contact information of every entity that held the debt; (3) dates of each assignment; (4) the purchase price paid for the debt; (5) the original signed credit agreement; (6) a complete itemized account history; and (7) proof that XXXX is licensed to collect debts in Connecticut.\n\nOn approximately XXXX XXXX XXXX, XXXX responded with two documents: (1) an "Account Summary Report" that XXXX generated itself on behalf of XXXX XXXX XXXX, and (2) a copy of a XXXX XXXX Citibank account statement. Neither document addresses the chain of title, assignment documentation, purchase price, original signed agreement, or licensing proof I requested.\n\nOn XXXX XXXX XXXX, I sent a second formal dispute letter via Certified Mail (tracking no. XXXX XXXX XXXX XXXX XXXX XXXX) explaining in detail why their response was legally insufficient under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act (FDCPA), and again demanding the seven categories of documentation. I received no substantive response.\n\nOn XXXX XXXX XXXX XXXX sent two additional letters. The first acknowledged receiving an "inquiry" and stated they initiated a review. The second enclosed the same self-generated Account Summary Report as purported verification which is the identical inadequate document they provided in XXXX.\n\XXXX has now received two certified written disputes and has failed, across multiple responses, to provide: any chain of title documentation, any assignment or bill of sale, any original signed credit agreement, a complete itemized account history, or proof of Connecticut collection licensing. A self-generated account summary prepared by the debt collector itself does not constitute adequate debt verification under the FDCPA.'

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 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am reporting XXXX unauthorized wire transfers from my Bank of America account totaling {$28000.00}. These transactions were sent to XXXX XXXX and XXXX XXXX without my permission or knowledge between XX/XX/year>, and XX/XX/year>. Detailed transactions : - XX/XX/year> : {$5000.00} ( XXXX ) - XX/XX/year> : {$5000.00} ( XXXX ) - XX/XX/year> : {$8000.00} ( XXXX ) - XX/XX/year> : {$2000.00} ( XXXX ) - XX/XX/year> : {$8800.00} ( XXXX ) I only recently discovered these fraudulent activities. The bank failed to flag or stop these large, repetitive, and suspicious outgoing wires. I have already contacted Bank of America to dispute these charges and am seeking a full investigation into how my account security was compromised.

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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
XXXXI am disputing a debt of XXXX that Resurgent Capital Services, L.P. is attempting to collect on behalf of LVNV Funding LLC (Account No. ending in XXXX Reference ID: XXXX), originally from XXXX XXXXOnXX/XX/XXXX, I sent Resurgent a formal written dispute and demand for debt verification via Certified Mail (tracking no. XXXX XXXX XXXX XXXX XXXX XXXX. I requested: (1) a complete chain of title and assignment documentation from XXXX to LVNV Funding LLC; (2) the name and contact information of every entity that held the debt; (3) dates of each assignment; (4) the purchase price paid for the debt; (5) the original signed credit agreement; (6) a complete itemized account history; and (7) proof that Resurgent is licensed to collect debts in Connecticut.XXXXOn approximately XX/XX/XXXX Resurgent responded with two documents: (1) an "Account Summary Report" that Resurgent generated itself on behalf of LVNV Funding LLC, and (2) a copy of a XX/XX/XXXXXXXX account statement. Neither document addresses the chain of title, assignment documentation, purchase price, original signed agreement, or licensing proof I requested.XXXXOn XX/XX/XXXX, I sent a second formal dispute letter via Certified Mail (tracking no. XXXX XXXX XXXX XXXX XXXX XXXX) explaining in detail why their response was legally insufficient under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act (FDCPA), and again demanding the seven categories of documentation. I received no substantive response.XXXXOn XX/XX/XXXX Resurgent sent two additional letters. The first acknowledged receiving an "inquiry" and stated they initiated a review. The second enclosed the same self-generated Account Summary Report as purported verification which is the identical inadequate document they provided in XXXXXXXXResurgent has now received two certified written disputes and has failed, across multiple responses, to provide: any chain of title documentation, any assignment or bill of sale, any original signed credit agreement, a complete itemized account history, or proof of Connecticut collection licensing. A self-generated account summary prepared by the debt collector itself does not constitute adequate debt verification under the FDCPA.'

Company response to consumer: Closed with explanation