vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 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: CA

Complaint narrative:
I am writing this follow-up regarding my XXXX XXXX dispute to ensure that your agency is strictly adhering to the procedural requirements mandated by federal law during this active investigation period.I understand and acknowledge that Credit Reporting Agencies , in compliance with the law, must provide adequate time for creditors/furnishers to respond to a formal dispute. As mandated by 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ), the furnisher has a maximum of 30 days to complete their investigation. And in Strict Liability Violation under the Fair Credit Reporting Act ( FCRA ) Please be advised that this period is governed by strict mandates that your agency and the furnisher must fulfill : STATUTORY MANDATES FOR INVESTIGATION 15 U.S.C. 1681i ( Reinvestigation Duties ) : Your agency is mandated to conduct a meaningful reinvestigation to verify the actual source of the data. A mere automated verification through a third-party software ( e.g., e-OSCAR ) does not satisfy the " reasonable investigation '' requirement if the underlying data remains unverified. 15 U.S.C. 1681s-2 ( b ) ( Duties of Furnishers After Notice of Dispute ) : Upon receipt of notice from your agency, the creditors are legally obligated to review all relevant information provided, conduct a thorough investigation, and report the results back to all nationwide consumer reporting agencies. 15 U.S.C. 1681e ( b ) ( Compliance Procedures ) : You are required to follow reasonable procedures to assure maximum possible accuracy. MANDATORY REMOVAL REQUIREMENT Under 15 U.S.C. 1681i ( 5 ), if the furnisher fails to respond within the statutory timeframe ( typically 30 days ) or if your agency is unable to verify the data through physical evidentiary matter, the law requires the immediate removal of the inaccurate/unverifiable information. As a consumer, I expect that the disputed items listed below will be investigated with fair results and maximum possible accuracy. This following accounts listed below are all previously disputed with your agency 35 days ago, yet it was not notated as disputed. Pursuant to 15 USC 1681s-2 Deleted this specific item if proven not notated as disputed should deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding Fay Servicings handling of my mortgage escrow account and default status. Over the past two years, Fay Servicing substantially increased my monthly escrow payments, including collecting approximately {$500.00} extra per month for alleged escrow shortages. Despite these increased collections, the company is now claiming another large escrow shortage and has issued a Notice of Default demanding {$4600.00}. I dispute the accuracy of the escrow accounting and believe the escrow funds collected may not have been properly credited or applied. I requested an escrow waiver and communicated my concerns regarding the escrow calculations. I continued making my regular monthly mortgage payments during this dispute. However, Fay Servicing appears to have placed payments into an unapplied or suspense account and treated the loan as delinquent. I am requesting : a full escrow accounting, correction of any servicing or accounting errors, proper application of all payments received, removal of improper fees or default status, and investigation into whether Fay Servicing improperly handled escrow funds or mortgage servicing practices. I am also concerned because Fay Servicing has previously been the subject of CFPB enforcement actions related to unlawful foreclosure and servicing conduct. I request immediate review and assistance resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX a Direct Rollover from my Government retirement account of {$81000.00} ( XXXX XXXX XXXX ) was deposited by XXXX via check despite my request to utilize Sofi 's XXXX XXXX XXXX . - I was notified by the Federal Govt 's XXXX retirement office that they initiated the direct roll-over via check because the Government/XXXX is not able to use Sofi 's XXXX account . I was told this is how the Government does it and that financial institutions are aware. - Sofi did not contact me nor notify me that this would disqualify me from the 1 % bonus, EVEN as a retiring goverment employee. I am aware of the fact that if the XXXX XXXX house was not used, it would disqualify the bonus by my retirement office with the Federal Government stated this is an exemption as financial institutions are aware of how the Government handles Direct roll overs. - I contacted SOFI customer service on XX/XX/XXXX to explain this ovbious miscommunicator/issue that wasnt due to my choice, I was told I out of luck and SOFI would not assist in still providing the 1 % match. I find this to be poor customer service, communication and abuse of the customer 's good faith in attempting to bring my business to SOFI. It is very clear is was an error outside of my control. This is the digital response I received from my Government 's retirement office : * * * You can not use SoFi 's standard XXXX XXXX XXXXAutomated Customer Account Transfer ( XXXX ) to move your retirement XXXX account. As financial institutions are aware, we will issue a " direct rollover '' via check payable to the SoFi account listed * * Please feel free to examine the deposit and confirm the check was provided by the XXXX XXXX XXXX ( Retirement savings plan of the Federal Government )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America has not been helpful. On XX/XX/year> at approximately XXXX XXXX I signed into my BOA business bank account to pay bills. The log in failed and I was asked to enter a 6 digit code that was sent to my phone. I entered the code and the website just kept spinning and froze. Then they send me another 6 digit code to my cell phone and it did it again. Still no access to the BOA website. It kept spinning and froze. It happened a third time and once I entered the third code, a screen popped up that said BOA website is down for maintenance. I knew this sounded wrong so I immediately went to my desktop in my home office to sign in. It was at this time I saw a Wire Transfer had been initiated to an unknown person. I did not initiate this transfer. I immediately got on the BOA app on my cell phone to use the virtual assistant to report this as fraud. The virtual assistant provided me an XXXX number to call. I called immediately. No answer. Typical recording stating they were experiencing higher than normal call volume. After 11 minutes, I hung up and tried again. Same experience. No answer. I then jumped in my car to drive to the physical bank location. While in route, I tried a third time to reach someone at the wire fraud dept. Finally someone answered the phone. I told her the issue and she said she would start a claim and ask for a recall. Then she stated " if you had just called us a few minutes earlier I would have been able to stop this transfer ''. That really upset me because I called AS THE TRANSFER WAS HAPPENING AND THEY DIDN'T ANSWER THE PHONE FOR OVER 30 MINUTES. I have called every other day since then. BOA started a claim and then said it was denied for me to get the money back because the transfer looked like it was initiated from a computer I had used in the past and I had entered the 6 digit code sent to my cell phone. I filed a local police report and an IC3.gov complaint. I even took my computer to XXXX XXXX and provided BOA a report stating mirroring software had been put on my computer without my knowledge. They don't care. The only thing they have to say is " Thank you for being a loyal customer for 6 years, you may get a survey at the end of this call ''

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 2026-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I have a Barclays savings account and I saw an add stating if I deposited min XXXX that I would receive {$200.00} bonus after 90 days. I called customer service before depositing and asked if it applied to existing accounts and was told yes. I Made the deposit and waited 90 days and now I'm told it does not apply to existing account because I got a bonus when I opened it on a separate program. This is clearly false advertising or they lied to me to secure the deposit.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
I am filing a formal complaint against Midland Credit Management for violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ) for knowingly furnishing false, misleading, and non-compliant data to the credit reporting agencies. Midland Credit Management sent me an official response letter dated XX/XX/XXXX ( attached ), explicitly stating that this account was a standard consumer line with XXXX XXXX XXXX that officially charged off on XX/XX/XXXX. Despite this internal record, Midland is currently furnishing data to XXXX classifying this debt as a 'Factoring XXXX XXXX loan with an XXXX ' account status. Furthermore, they are furnishing a month-by-month 'Payment History ' and 'Balance History ' grid to XXXX and XXXX with a " XXXX Term XXXX ' Under XXXX XXXX standards, a third-party debt buyer can not report an account as Open/Factoring, nor can a closed collection account possess a recurring monthly payment history or active terms. Midland is intentionally keeping these incorrect codes active to artificially depress my XXXX XXXX and force a payment. Because Midland has already 'verified ' these errors through the dispute process, they are in willful violation of the law. I demand the immediate and permanent deletion of this trade line from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: Bilt Technologies, Inc.
State: IL

Complaint narrative:
I scheduled my credit card payment on XX/XX/XXXX for XX/XX/XXXX. My bank account was charged twice for this payment even though I only requested it to be paid once.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was going through the modification process, with Onity Mortgage, and had completed the trial ; which was set for XX/XX/XXXX- XX/XX/XXXX. I made all XXXX payments of {$1800.00} which the dates were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received the final modification documents, which the new amount was {$1900.00} ; and I made XXXX of those payments, XXXX on XX/XX/XXXX, and the other on XX/XX/XXXX. I sent the notarized signed documents back. But, by midXXXX, I was informed that the modification was denied. The reason given, by several agents over the phone, was because the notary didn't sign the documents correctly ; and there was not enough time to resend documents and go back through the review process, even though I could have retrieved the documents from the online portal. Although I was advised of the notary issue, when the denial document was sent, the reason on it stated it was due to me not completing the trial. I have asked twice for a copy of the final executed documents, which one agent advised she emailed them, but I never received the email. Another agent submitted the request to mail them, but I have yet to receive the mailed copy. I was informed that I could not send the XX/XX/XXXX payment for {$1900.00} because it wouldn't be accepted due to the denial, I could only pay the total of XXXX payments. Now, I'm still being told XXXX payment wouldn't be accepted, and I would need to send XXXX payments as the minimum payment. I have had multiple agents resubmit applications for assistance, but they all were denied, with the last reason being I have had too many reviews in the same period. I have sent a letter to escalate the issue, but as of date, I was informed it hadn't been received yet. I also contacted XXXX for assistance, but was informed, even though it's XXXX XXXX loan, it's no longer guaranteed by XXXX. Therefore, XXXX can't assist and I was referred to go back through the mortgage company to seek assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
b'I am filing this complaint regarding XXXX denial of a fraud totaling approximately $XXXX. On XXXX XXXX XXXX XXXX I was the victim of a coordinated fraud attack scammer spoofed my banks real phone number XXXX XXXX XXXX called me late at night pretending to be my bank and convince me to share my phone screen via XXXX during this remote access session. The scammers could see everything on my phone screen in real time, including my XXXX account with my XXXX account in it, my account balance, and my transaction history they use this live screen access to make unauthorized transactions from my account'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
I called Credit Management Company on XX/XX/XXXX about a different bill that I was getting resolved with my insurance ( I recently switched insurances and there had been trouble ). While I was on the phone, the agent informed me that I had a debt of XXXX. I had the itemized bill from the different bill I was calling about and saw nowhere on there a total of XXXX. I asked where this could be from. He said on your bill. I told him multiple times that my bill did not read that. I asked him if he could check where this XXXX was coming from. He then comes back to tell me there is a bill from 2 years ago for XXXX. I then ask him for the bill so I can see what he is talking about and he is getting angry with me. He says he already sent them. I say that I dont know what he means. He says the bills are from XXXX and he does not have to send them. I start getting confused and asking for just an itemized bill so I can know what these charges are even for. I ask for a bill and he says he refuses to send it. I ask why as I am trying to pay him but need to know what I am paying. I also add How would I even know what to pay if I dont have a bill? And he says I am telling you the number, pay this. I can not trust what someone is just telling me to pay. He refused to show me any proof. I asked to speak with someone and he hung up on me. I hope a supervisor contacts me soon, but this company is keeping a debt and refusing to show me any information. Thank you. I have a video of this interaction but file limit exceeds the amount. Please let me know if youd like me to send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Federated Student Loan Services
State: NC

Complaint narrative:
This case has been outstanding since XXXX it is now XXXX and there has been no response from anyone. Case ID XXXX should be closed and resolved with the removal of all NEW added lines to my credit report. This is an unfair practice used to discourage lenders and other lending institutions against me indiscriminately. I have been patient and at this time there has been ample time for XXXX, XXXX and XXXX XXXX to respond as well and remove these newly added items to my credit report. They don't get to add things back that have been on my report for more than the statute of limitations causing me undue harm. These were up for forgiveness during the XXXX administration. The servicer does not get to add these arbitrarily because XXXX XXXX 's unqualified leader gets to remove the forgiveness and aggressively add this multiple time trying to destroy my credit.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Sunbit, Inc.
State: MD

Complaint narrative:
In XX/XX/year>, I was contacted by XXXX XXXX XXXX XXXX and informed that my vehicle repairs were complete. I was sent a Sunbit financing link and made a {$400.00} down payment toward the repairs. Shortly afterward, the repair facility informed me that additional issues had been found with the vehicle, and my car remained in the shop from XX/XX/year> through XX/XX/year>. During this time, I did not make monthly payments on the Sunbit account because the vehicle was still in the repair facilitys possession and the total repair cost had not been finalized. In XX/XX/year>, I explained this situation to Sunbit when contacted about payment, and I was told the information would be noted on my account. On XX/XX/year>, I was informed that my vehicle was finally ready for pickup. However, when attempting to retrieve the vehicle, I was told by Sunbit that my original financing agreement had expired due to alleged late payments totaling approximately {$400.00}. I disputed these charges because the vehicle was not in my possession during that time. In order to retrieve my vehicle, I paid approximately {$400.00} toward the disputed balance. I was then informed that I could no longer use the original financing agreement and would need to open a second loan and make an additional down payment of approximately {$550.00} for the same repair matter. I believe I was unfairly charged and pressured into making additional payments connected to a repair process that was delayed for several months while the vehicle remained with the repair facility. I am requesting an investigation into the disputed charges, the expiration of the original financing agreement, and the requirement that I open a second loan to retrieve my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I applied for a loan of {$8000.00} from Onemain Financial in XXXX Alabama and was basically convinced into accepting {$15000.00} with the employer telling me that they didn't think that {$8000.00} was enough to start a transportation business using a personal vehicle as collateral, my business didn't kick off as planned and I do take full responsibility for my lack of better judgment, but XXXX going through a cycle of paying $ XXXX a month with the amount owed to XXXX never reducing with multiple thousands paid and asked for a XXXX day payoff still being {$15000.00}. Literally never can move the needle on this account, if I were to pay the loan amount out the allotted time of XXXX years the amount paid with be over 50 % of what was borrowed, Not wanting to bankrupt or have any kind of non-payment but I feel like ive been mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I sent {$25.00} to XXXX XXXX through Cash App. He had canceled and requested the money be sent back to me and I still have not received the {$25.00} back into my account. Ive contacted Cash App and reported this issue more than once. They blame my bank, Ive contacted my bank and there has not been any refund or pending refund of {$25.00} returned to my account. Cash App continues to report that money was returned to my account and it has not been. Its almost a month later with no refund? I recently changed my bank card due to scans like this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I previously filed a dispute for over {$1700.00}. I filed a FTC report A CFPB report and a police report and I contacted the merchants and still no progress on getting a refund. I waited for the second half of the transactions to be settled, which is what XXXX asking for in this complaint. Its over {$50.00} worth in a refund. I would like back that I did not spend and was fraudulent and they are refusing to even look at it as they denied it XXXX minutes after I filed the dispute and I have evidence and supporting documents that it was fraudulent from merchants and from Me they were all fraudulent and not made by me because my card was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My aunt sent me XXXX dollars thru XXXX for my job. I got the account opened on XX/XX/25 and then all the sudden they said they had to verify it was me so I submitted my tx driver 's license with photo. They told me it would take 5 to 7 business days to respond. There judgement caused me to now loose my job which I informed them that it was going to happen

Company response to consumer: Closed with non-monetary relief