vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Issue : Failure to Provide Accurate Payoff Statement and Resulting Financial Loss Property/Loan Info : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX ID XXXX The Error : During my refinance process, Shellpoint Mortgage Servicing provided a payoff statement for the wrong property. While the name on the account was correct, the property data and payoff figures were for a different location. The Discrepancy : The initial incorrect payoff was estimated at {$260000.00}. After the error was identified and finally corrected, the actual payoff amount was only {$150000.00}. Violation of Timeliness : Under 12 CFR 1026.36 ( c ) ( 3 ), mortgage servicers must provide an accurate payoff balance within 7 business days of a written request. My title company and loan servicer contacted Shellpoint immediately to report the " wrong property '' error, yet it took Shellpoint XXXX weeks to issue the correct statement. Financial Damage : Due to this excessive delay in correcting their own gross negligence, my interest rate lock expired. I was forced to pay {$1800.00} in rate lock extension fees to close the loan. Desired Resolution : I am seeking a full reimbursement of the {$1800.00} in rate lock extension fees. Shellpoint 's failure to meet the federal 7-day accuracy requirement for payoff statements directly resulted in these actual damages.

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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
On XX/XX/year>, I sent a written debt validation letter via USPS certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX XXXX account they are attempting to collect. XXXX signed and returned the green card on XX/XX/year>, confirming receipt. Under the FDCPA, once a consumer requests debt validation, the collector must cease all collection activity until the debt is properly validated. XXXX XXXX XXXX failed to provide any debt validation response within the required XXXX period. The deadline passed on approximately XX/XX/year> with no response. Despite receiving my validation request, XXXX continued to allow negative credit reporting on this account. My credit report shows this account was updated on XX/XX/year>, after they received my validation letter, with an escalating past due amount that increased every month from XXXX through XX/XX/year> while under the validation hold. XXXX XXXX XXXX violated the FDCPA by failing to validate the debt and by continuing collection activity, including negative credit reporting, while the debt remained unvalidated. I am requesting that the CFPB investigate this violation and require XXXX to delete this account from all XXXX credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-04 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
Itemized bill ; paid fir fees in advance referred to as intentional final payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I XXXX XXXX received my monthly statement in the mail saying I owe XXXX for my final payoff of borrowing XXXX that took me almost 3years to payoff So one I called the tittle max store to pay my loan off. The cashier told me my payoff was XXXX so I then ask to speak to the store manager to get the issue resolved the store manager would even talk to me. So I then called corporate and they told me that someone will contact me soon. So 8 days later I called back to the store and corporate they then told me some will call back again. No one call XXXX so I called corporate back its now 3weeks later someone called me saying I now owe XXXX because of late fees. I have ever call record of tittle max saying they see the problem but the.company will not fix it Now talking about repo my truck. Need help asap Additional information provided by consumer : XXXX The consumer would like to correct the company name to " TitleMax ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These dates I have not authorized these amounts, multiple times I have told them to cancel the membership and it started charging me double amount, the number I sent was my personal trainer who I was contacting about the over charging, she sent me to the XXXX XXXX who had me do a bunch of XXXX signature in person and in reality i wasnt signing anything i was signing to continue the membership and not cancel so i kept getting charged every XXXX since the beginning of XXXX no charge was authorized since and it kept charging me and i kept signing and nothing changed just got charged more and more and more, I then looked on reviews from the company to see if im the only XXXX and I wish i looked before i got the membership XXXX % of the reviews are people saying how much XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is scamming people on a daily, they take your money and say they canceled when in reality you give them more money that was not authorized from me, I told them over text in person on calls and nothing changed they kept charging me and i demanded it to stop The number is XXXX XXXX XXXX XXXX from the above location and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Majority USA, LLC
State: CA

Complaint narrative:
b'El 23/04/2026 mi cuenta fue reactivada, pero no se me devolvieron los fondos. Solicitud de confirmacin a la empresa sobre la recepcin del dinero, pero no obtuve respuesta. La cantidad involucrada fue de 1470 y no se ha reflejado en mi cuenta.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: MI

Complaint narrative:
I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
I am disputing this debt in full under the Fair Debt Collection Practices Act. I request validation of the alleged debt, including : * Original account records from Peoples Gas * Full payment history * Itemized breakdown of all charges, interest, and adjustments * Proof I am responsible for this account * Name and address of the original creditor if different Until this information is provided, you must cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> ( Friday evening ), I filed a fraud claim with Chase for {$5200.00} in unauthorized transactions ( claim # XXXX ). At the time of filing, the Chase agent promised provisional credit would be issued within XXXX hours. I never received it. I called Chase on Saturday, XX/XX/XXXX and was told provisional credit would be issued that day. I never received it. I called Chase on Monday, XX/XX/XXXX and was told the claim had already been closed at XXXX EST. Chase stated a team reviewed the claim on Saturday meaning they investigated and closed a {$5200.00} fraud claim in approximately XXXX business day without issuing provisional credit at any point despite promising it multiple times. Under Regulation E, Chase is required to provide provisional credit within 10 business days while investigating a fraud claim. Closing the claim in XXXX business day without provisional credit and without providing any denial reasoning is a clear violation of that obligation. I am requesting that Chase immediately issue provisional credit of {$5200.00} and reopen the claim for a proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, a person by the name of XXXX XXXX sent me {$6400.00} out of the blue to my PayPal business account. I was hit with a seller 's fee of {$190.00}. Subsequently, I was hit with a dispute fee of {$15.00}, totaling {$200.00}. The person who sent me the money told me to send it back. I thought this was some kind of scam/fraud so I ignored his request. Then days later, there was a chargeback, and the funds in my account went back to him. So now I am left with a seller fee of {$200.00} that I am not responsible for. I reached out to PayPal supervisor and they said they have no way to revert this chargeback. So the logic here is, get sent money that it's not mine, money gets taken back, and now I owe money to PayPal for a service that I did not conduct. This is outright consumer fraud where PayPal is trying to get paid for doing absolutely nothing. There is no protection to me as the seller in this case. I have an email from the sender stating very clearly that they sent me this money in error, yet PayPal refuse to see the e-mail and simply gave me no reason as to why they can't revert this charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: IN

Complaint narrative:
I am submitting this complaint regarding the reporting of a charge-off on my account with Wilshire Consumer Financial ( Westlake Services , LLC ). I acknowledge that the account became delinquent during a period where I was unable to consistently meet the full minimum payments. However, I remained engaged with the account and continued making payments over the past 68 months in good faith. As of XX/XX/year>, the account has now been paid in full. In addition, I currently have another active account with the company that has been maintained in good standing with on-time payments. I contacted the company directly, including escalation to their compliance department, requesting a goodwill adjustment to remove or reconsider the charge-off designation based on my consistent repayment efforts and the account now being fully satisfied. In response, I was informed that the companys policy is that they are unable to remove charge-offs, although they may remove a late payment. I am not disputing the historical accuracy of the account. However, I am requesting that the company conduct a formal review to determine whether any exception, adjustment, or alternative reporting treatment may be appropriate given that : The account has been paid in full. I made consistent payments over several months to resolve the debt. I maintain another account with the company in good standing. I am requesting reconsideration of my goodwill request and any possible adjustment that may reduce the negative impact of the charge-off reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2026, I deposited cash into a Chase ATM in multiple batches. The first two deposits were successfully accepted, totaling approximately {$2300.00}, which the bank has acknowledged. During the third deposit, the ATM displayed an updating message, then restarted and showed an error. At one point, my card could not be retrieved. The transaction was interrupted and never completed, and no receipt was issued. XXXX had already been inserted during the third deposit before the malfunction occurred. I contacted the bank immediately while still at the ATM and was instructed by a representative that I could move my car and that a claim would be filed. The bank initially issued a temporary credit of {$5000.00}. Later, they reversed {$2600.00} and concluded that only the first two deposits were valid. This conclusion is not reasonable. The entire deposit occurred within a single continuous transaction session, which was interrupted by a system malfunction. It is not appropriate to accept part of an interrupted transaction while rejecting the remainder. The ATM did not complete the counting or posting process, so the record can not be considered complete or reliable. The absence of an overage does not prove that the third deposit did not occur. This is not a case of miscalculation. The missing {$2600.00} was part of the same deposit session but was not properly processed due to the ATM malfunction. I am requesting a full reinvestigation, including : - ATM transaction logs showing each cash insertion event - Maintenance logs confirming the system update and malfunction - Explanation of how interrupted transactions are handled - Any available surveillance footage showing the sequence of my deposit The bank has not provided a sufficient explanation of how the interrupted transaction was handled. I request that the missing {$2600.00} be restored or that the bank provide a complete and documented explanation of how the unprocessed cash was accounted for. The bank acknowledged part of the transaction but denied the remainder without explaining how the inserted cash from the interrupted portion was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Account opened without my knowledge and only noticed when XXXX pulled my credit and showed a closed account from Suncoast Credit Union as a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: UT

Complaint narrative:
I've submitted a claim involving wrongful transactions to my checking account then my bank netspend has failed to provide a provisional credit in the 10 day time frame stating my account is new when it is not per there policy an account is new if it is under 30 days of opening mine is well over that time frame they are stating it will take over 25 days to see if I qualify for a provisional credit but they do not guarantee a provisional credit even tho they state thst they immediately release funds and advertise it to gain customers they were also sued in 2017 for these same false claims by the fdc and was awarded XXXX XXXX dollars in settlement they will boldly lie to you and rewrite there policy to try and bypass paying to slide through the system untouched do not use this card the are no good and very untrustworthy.

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 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report maintained by Experian and identified multiple items that are inaccurate, inconsistent, and unverifiable. Specifically : Account reporting errors on multiple XXXX XXXX XXXX XXXX XXXX accounts that are paid and closed but are inaccurately reporting 6090 day late payments and incorrect account details ( dates, balances, and payment history ) Unauthorized inquiries that were made without my knowledge or permissible purpose These discrepancies indicate that the information being reported is not accurate or complete. Experian has failed to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and has not conducted a reasonable reinvestigation as required under 1681i. Additionally, the unauthorized inquiries violate 1681b, which requires a permissible purpose. The continued reporting of these inaccuracies is causing harm to my credit profile.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. This is 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
While review my credit report i see inquiries that i did not authorize i contacted the companies and they stated nothing they can do about it : Capital One on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Default Resolution Group ( DRG ) for engaging in deceptive, misleading, and unfair debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e and 15 U.S.C. 1692f, as well as furnishing misleading information to consumer reporting agencies. Facts of the Complaint The account at issue is being reported on my consumer credit reports under the name U.S. Department of Education as a collection account. However, the entity responsible for handling and collecting this account is the Default Resolution Group ( DRG ). DRG has admitted that it is not part of the U.S. Department of Education, yet continues to allow or cause the account to be reported solely under the name U.S. Department of Education without disclosing its identity or role in the collection process. This creates a false and misleading impression that a federal government agency is directly collecting the debt, when in fact a separate entity is engaged in collection activity. FDCPA Violations 1. False, Deceptive, or Misleading Representation ( 15 U.S.C. 1692e ) DRGs conduct violates 1692e by : Misrepresenting the identity of the entity collecting the debt Creating the false impression of government involvement Failing to clearly disclose that DRG is the entity engaged in collection activity The use of U.S. Department of Education without clarification is materially misleading and capable of deceiving a reasonable consumer and third-party users of my credit report. 2. Unfair or Unconscionable Means ( 15 U.S.C. 1692f ) DRGs conduct is also unfair and unconscionable in that it : Uses the authority and reputation of a federal agency to enhance collection efforts Obscures the true nature of the collection process Deprives me of the ability to understand who is actually collecting the debt Additional Reporting Concerns In addition to the identity issue, the account is being reported with incomplete and misleading data, including but not limited to : Missing or incomplete payment history No monthly payment information No recent payment data Inconsistent or non-standard account terms This incomplete reporting further contributes to a misleading and inaccurate portrayal of the account. Harm Suffered As a result of DRGs actions, I have suffered : Confusion regarding the identity of the entity collecting the alleged debt Reputational harm due to misleading credit reporting Difficulty in understanding and addressing the account Time and effort spent disputing inaccurate and misleading information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: KS

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation