vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please see all supporting documentation pertaining to the XXXX data breach

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 2026-05-18 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: TX

Complaint narrative:
In XXXX, I noticed that Loan XXXX ( XXXX Consolidated Subsidized ) on my MOHELA account reflected a negative balance of approximately - {$580.00}. I contacted MOHELA at that time to request review and correction of the account, as the loan appeared to be improperly reflected on my account. After several months without resolution, I contacted MOHELA again in XXXX to follow up and request that the issue be resolved. Since that time, the negative balance that originally appeared on the account has now been removed and the balance reflects {$0.00} ; however, the loan still remains marked as active despite having no remaining balance. Over the course of these multiple contacts, I have repeatedly requested that the loan be properly closed or corrected, but the issue remains unresolved and no clear explanation or timeline for resolution has been provided to me. Because the loan continues to remain active on my account, it has continued impacting my repayment obligations and has caused unnecessary financial burden. I am concerned about the prolonged failure to resolve what appears to be an account servicing/reporting issue despite repeated attempts to address the matter directly with the servicer. At this point, I am requesting immediate review and correction of the loan status, written clarification regarding why the loan remains active despite a {$0.00} balance, correction of any repayment or billing impacts tied to this issue, and confirmation that all reporting associated with the account is accurate and up to date.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Last week I looking on website XXXX laptops and they have add financing monthly payment.. Showing pre qualifying. Financing credit is XXXX.. I add all info and on end showing I qualifying for {$500.00} credit I can buy laptop on XXXX. I declining to sum application for credit financial. I go back to XXXX and choose laptop using XXXX. Next day I have email about XXXX XXXX XXXX XXXX they say I owe {$470.00}. I never buy and using XXXXXXXX XXXX I talk with XXXX Representative and they don't know anything about this. I call cancara and I ask all info, why they charge me, and what is ordered and from where. She don't know how spell item. And refuse to spell me.. Looks to me is fraud. I like report and if you can help me to resolve problem and close this account Concora Credit Financial Issued by the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing regarding fraud involving my mother, XXXX XXXX, and her account with Fulton Bank. My mother is elderly and suffered a XXXX prior to these events. She has been a Fulton customer for more than 20 years and handled her banking almost entirely in person. She never meaningfully used online banking or regularly conducted ACH transactions. In XX/XX/XXXX, unauthorized activity apparently occurred involving her account. Because of her medical condition following her XXXX, it was not discovered until XX/XX/XXXX. I became involved after my mother asked me to help check her balance. I have been a secondary signer on her account since at least XXXX. When I attempted to access the account online, the two-factor authentication information had been changed. The phone number was unfamiliar to our family, and the recovery email was a XXXX email address nobody in our family had ever created or used. At that point it became obvious someone had electronically accessed the account and changed the security information. Despite repeated follow-ups between XX/XX/XXXX and XX/XX/XXXX, I was repeatedly under the impression Fulton was still attempting to recover the funds until I was finally advised on XX/XX/XXXX that the investigation was over and no further efforts were being made. What is most frustrating is that my mother likely would have been reimbursed had this activity been discovered within the reporting period. Instead, because discovery occurred outside that period due to her XXXX and medical limitations, the answer now appears to simply be that nothing further can be done. My brother and I already replaced the money ourselves because the stress this caused my mother was becoming overwhelming, and we were concerned about another XXXX. I respectfully request review of this matter and broader protections for elderly and medically vulnerable banking customers in XXXX 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 explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Complaint for violating my mortgage documents and HUD rules and illegal use of unregulated artificial intelligence in responses to me and CFPB. PennyMac, who is not the lender and not the Note holder, failed to comply and continues to fail to comply with my mortgage documents and HUD rules and never offered me face to face meetings before initiating foreclosure proceedings and demands from me money which I already paid during the bankruptcy. Moreover, my escrow surplus {$2600.00}- which is two full years of all escrow payments- disappears and not referenced in any reinstatement quotes. In XXXX XXXX. XXXX XXXX XXXX the XXXX XXXXXXXX XXXX XXXX Second District ruled that mortgage lenders attempting to foreclose an FHA-insured mortgage must demonstrate strict compliance with a HUD regulation mandating face-to-face meetings within three months of a payment default or forgive potentially years of monthly payments because lenders can not go back in time to correct their alleged noncompliance. I never received any face to face meetings- despite numerous demands and nobody never validated to me accurately of amounts claimed as past dues

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Relay Financial (US), Corp.
State: MI

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I received an email from Relay Financial notifying me that my business banking account was closed effective immediately by their compliance team. The email provided only vague reasons, stating it was most often due to concerns around documentation for the business, the nature of the business, or transactions in Relay that have raised flags. No specific details, flagged transactions, or opportunity to provide additional documentation were given before the closure. This account was our primary and only business checking account used for all operations, including receiving client payments, paying vendors, payroll, and funding daily job expenses. The sudden closure has created an immediate and severe cash flow crisis for my small business. We have a full schedule of committed jobs that require funds for labor, materials, and operations right now. A mailed check ( promised only after an investigation that could take up to 45 days ) will not allow us to meet our current obligations. I have not yet had any meaningful response or resolution from Relay despite the urgent nature of the situation. I am requesting a detailed explanation of the specific issues that led to the closure and the immediate release of all remaining funds via electronic transfer due to the documented business hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I discovered that XXXX XXXX XXXX had reported an alleged debt to a collection agency, which subsequently appeared on my credit report. Upon learning of this matter, I immediately filed disputes with both XXXX XXXX XXXX and Experian because I did not recognize or understand the basis for the claimed balance of {$1500.00}. In XX/XX/XXXX, Experian notified me that it had completed its investigation and verified the debt as accurate. However, neither Experian nor XXXX XXXX XXXX provided documentation explaining how the alleged balance of {$1500.00} was calculated or substantiated. Around this same time, I was contacted by XXXX XXXX from XXXX XXXX XXXX. Because the initial call occurred during my work hours, I was unable to answer. Nevertheless, I promptly returned the call at my earliest opportunity and left a voicemail message requesting further communication. On or about XX/XX/XXXX, I received Consumer Service Agreement documents from Credence Resource Management XXXX, including paperwork dated XX/XX/XXXX. The accompanying correspondence stated that the information was being provided in response to my request and that XXXX & XXXX had been notified accordingly. However, the materials provided consisted primarily of service agreement documents and did not include any billing statements, itemized account history, payment records, or other documentation explaining or validating the alleged balance of {$1500.00}. After not receiving further communication from AT & T, I sent a follow-up email to XXXX XXXX XXXX She apologized for the delay and indicated that she would contact me again. She later attempted another phone call ; however, that call also occurred while I was coaching a spring basketball team and I was unable to answer. Following that attempt, I emailed XXXX XXXX again, thanked her for her patience, and specifically requested that we arrange a mutually agreed-upon date and time for a telephone conversation. XXXX XXXX agreed to call me at XXXX a.m. on a weekday. Despite this agreement, I never received the scheduled call. After the missed appointment, I made at least XXXX additional attempts to contact XXXX XXXX through her direct telephone line and left voicemail messages requesting a return call. I did not receive any response to those messages. To date, despite my repeated and good-faith efforts to resolve this matter and obtain clarification regarding the alleged debt, I still have not received sufficient documentation explaining or validating the claimed balance of {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I disputed the reporting of my Apple Card account after noticing inconsistencies in the post-bankruptcy reporting being furnished to the credit bureaus. The account is reported as included in XXXX XXXX bankruptcy and closed ; however, the payment history continues reflecting derogatory progression, delinquency indicators, and charge-off reporting that appear inconsistent with a closed and discharged account lifecycle. I disputed the reporting through the credit bureaus and later requested a direct reinvestigation regarding the accuracy and consistency of the reporting. The account was subsequently marked verified as reported, but no explanation was provided regarding how the post-bankruptcy payment history was validated or whether the reporting reflects actual account activity versus retrospective/system-generated coding. The reporting continues reflecting derogatory payment history after the bankruptcy inclusion and account closure, which raises concerns regarding the accuracy, consistency, and verification procedures used. I am requesting review of the procedures used to verify the reporting, whether payment history fields continued updating after bankruptcy inclusion and closure, and whether all reporting fields are accurate, complete, and internally consistent. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE REMOVE FRAUDULENT ITEMS FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: OK

Complaint narrative:
On XX/XX/year>, while I was asleep, an unauthorized device logged into my Cash App account. Multiple fraudulent transactions totaling {$2400.00} were then debited from my linked XXXX XXXX account into Cash App. The transactions included : {$25.00}, {$26.00}, {$50.00}, {$78.00}, {$100.00}, XXXX charges of {$210.00} each, {$730.00}, and {$840.00}. In addition there was {$940.00} borrowed from Cash App which incurs interest and late payments. I discovered the fraudulent activity the next morning on XX/XX/year>, through bank fraud alerts. I immediately contacted XXXX XXXX to cancel my card and they recommended filing the dispute with Cash App. I called Cash App Support to report the unauthorized access and file a dispute. Cash App Support helped me regain access to my account. At that time, I saw over {$1900.00} still being drained and asked them to stop the transfers, but the funds had already been moved. Cash App told me the investigation would take XXXX business days. I filed a police report with the XXXX XXXX XXXX XXXX ( XXXX # XXXX ) on XX/XX/year>. On XX/XX/year>, XXXX XXXX XXXX confirmed that my dispute was with the correct team. On XX/XX/year> ( the XXXX business day ), XXXX XXXX XXXX confirmed the dispute was still with the correct team and escalated it to the investigation team. On XX/XX/year>, XXXX XXXX XXXX stated there was no update available. Since XX/XX/year>, I have sent multiple follow-up emails ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) specifically requesting provisional credit as required under Regulation E, along with a status update on the investigation. Cash App has not responded to these emails. On every phone call, I am told to wait for contact from the investigation team via email or in the app. As of XX/XX/year> well past the XXXX mark no provisional credit has been issued and I have received no meaningful updates. Cash Apps own website states they will issue provisional credit on the XXXX business day if the investigation will take longer. Their continued failure to provide provisional credit violates Regulation E requirements for resolving errors on electronic fund transfers. As a direct result of this delay, my linked bank account was overdrawn. This caused late payments on my mortgage, car loan, cell phone, utilities, and credit cards, along with damage to my credit reputation and significant financial hardship. I am requesting that the CFPB require Cash App to immediately issue provisional credit for the full {$2400.00} plus late fees, credit the {$940.00} borrowed in the app, complete a timely investigation, provide written results, and confirm that I have XXXX liability for these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a checking and savings account with Wells Fargo. I received some XXXX transactions from my clients. I sell health insurance independently. The clients in question then canceled the insurance and reported fraud to Wells Fargo in attempt to receive their money back. I have all the signed applications and proof that these clients agreed to proceed with the insurance and the XXXX method for payment. I even tried to reach out to Wells Fargo to plead my case and defense in the matter. But, they sided with the clients and blocked my XXXX from further usages with them and any bank And closed my accounts. I feel this was unfair and unjustly done. In this business people purchase insurance and if theyre unhappy they cancel. After XXXX days theyre unable to receive refunds. Which theyve been made well aware of this. I feel that in these cases I didnt get a chance to defend myself but shut out and told I couldnt bank with Wells Fargo because of it and would lose my XXXX access.

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXXDuring the week ofXX/XX/XXXX I contacted US Bank Customer Service for Prepaid Cards to request they replace my XX/XX/XXXXgift card that expired on XX/XX/XXXX They verified that the card had never been used nor even registered. I explained that I was not able to register the card because I got too many warning alerts that their website was not safe. After several attempts to reach a manager, I was finally to told that they would not replace the card and the funds would be forfeitedXX/XX/XXXXI contacted the following numbers with no success:XX/XX/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 explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I applied for a Capital One QuicksilverXXXX credit card with a credit score of XXXX. I was approved with only a {$300.00} credit limit and a {$39.00} annual fee. I never activated or used the card. I called Capital One to close the account before making any transactions. They closed the card but still charged me a {$39.00} 'member fee '' and are demanding payment. I believe this is an unfair practice - charging an annual fee for a product I never used and voluntarily closed. I request a full refund of the {$39.00} fee and removal of this charge from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zarzaur and Schwartz, PC
State: MS

Complaint narrative:
This debt was first brought to my attention in XXXX of XXXX, when a company I had never heard of contacted my job and stated they were garnishing my paycheck for an auto loan supposedly taken out in XXXX. I did not authorize this loan, I never applied for it, and I have never used or provided the personal information listed in the documents associated with this account. The documents I eventually obtained contain multiple indicators of fraud, including a misspelling of my legal name, mismatched personal information, and a vehicle trade-in that is impossible for me to have made. According to the creditor, this loan was approved using a trade-in of a XXXX XXXX XXXX I have never owned, driven, or had possession of a XXXX XXXX in my life, so it is not possible for me to have traded XXXX in or used it toward the purchase of a vehicle. This alone confirms that I am not the person who initiated or benefited from this transaction. Despite having provided evidence of identity theft and clear proof that the information does not belong to me, I have been subjected to wage garnishment for a debt I did not create. This situation has caused a severe financial crisis, as funds are being taken directly from my paycheck without proper verification, documentation, or response from the collecting agency. I am urgently requesting a full investigation, immediate cessation of garnishment, and verification from all relevant agencies to prevent further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: Mercury Financial Intermediate LLC
State: FL

Complaint narrative:
I filed a dispute for a charge. The company closed without fulfilling the contract. The credit card denied my claim. They provided me evidence as to why they denied my claim. Included in the evidence was fabricated communication between me and the company I had the contract with. They lied about an email exchange. I then filed a police report. The case number is XXXX. It is with XXXX county police department in Florida. Its under criminal investigation. I then contacted the credit card and re opened the dispute due to the other company falsifying communication and gave them the case number. In spite of the evidence being false, they denied my dispute a second time without further investigation.

Company response to consumer: Closed with monetary relief