vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting that has not been corrected despite multiple disputes. The following accounts are being reported in a manner that is inconsistent, misleading and not compliant with the Fair Credit Reporting Act ( FCRA ) : This account is being reported with XXXX materially different balances : {$30000.00} and {$17000.00}. This discrepancy exceeds {$13000.00} and clearly demonstrates inaccurate and inconsistent reporting. The account is also being reported with recurring monthly CHARGE OFF or COLLECTION updates, which creates the false impression of ongoing delinquency and recent activity. Additionally : The accounts continue to report past-due balances after being charged-off The Date of First Delinquency ( DOFD ) has not been clearly verified Prior disputes were marked as Verified without providing any documentation or explanation of the method of verification. The collection account has not been properly validated despite my request This raises serious concerns regarding violations FCRA 1681i, 1681e ( b ), 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am requesting validation of an alleged debt associated with AMEX XXXX XXXX XXXX XXXX XXXX as I have reason to question the accuracy and validity of this account. After reviewing my personal records, I have not found sufficient documentation that clearly establishes my responsibility for this debt. I have not been provided with a signed agreement, complete account statements, or any detailed breakdown explaining how this balance was calculated. The lack of documentation raises concerns about whether this account has been properly verified before being reported or pursued for collection. Additionally, I am concerned that this account may be the result of inaccurate reporting, misidentification, or even a data breach, where my personal information may have been used or associated with an account without my knowledge. Under 15 U.S.C. 1692g ( b ), I am exercising my right to request full validation of this debt. Furthermore, under 15 U.S.C. 1681s-2 ( b ), any information furnished must be properly investigated for accuracy, and under 15 U.S.C. 1681e ( b ), only accurate and verifiable information should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I reached out to the Following via certified mail on XXXX XXXX in attempt to verify the following debts Transworld a 3rd party collection agency that bought a debt and is not the original lender is reflecting a balance of {$1000.00} & XXXX I sent them a debt validation letter and they responded- I sent back a response as they refused to correct the incorrect amount being reported as a collection and they also refused to settle on the actual debt. I did not dispute a debt was owed- I disputed the amount in question- They also reported during the months they were supposed to halt the reporting due to my dispute with the credit bureaus. They have yet to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NM

Complaint narrative:
Working with EdFinancial and StudentAid.gov I have at least XXXX eligible payments from XXXX of XXXX to XXXX of XXXX that they refuse to even list in my count, much less review for eligibility I have continue to submit current forms as well that are being denied because I have to stay in a deferred status while waiting on Department of Ed to process I feel that I should be well past the XXXX payment count for eligible forgiveness and now have only 1 month left in my deferment eligibility and thus will begin to have this negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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 a {$500.00} misdirected transfer on XX/XX/year> at approximately XXXX XXXX to phone number XXXX using Cash App. This payment was sent in error to an incorrect phone number. Immediately after the transfer, I contacted the number and confirmed that it is no longer associated with the intended recipient ( XXXX XXXX ) and is not linked to an active Cash App account. The current holder of the number confirmed this. Later that same day ( approximately XXXX XXXX ), I sent funds to the correct number ( XXXX ), and the intended recipient successfully received that payment. On XX/XX/year>, I mailed a written demand to Cash App requesting a refund. Cash App has refused to return the funds. To date : The {$500.00} has not been received by the intended recipient Cash App has not provided proof that the funds were received or accessed by any user Cash App continues to retain the funds despite notice and demand Under California Financial Code 2102, a licensee must transmit funds according to the senders instructions. Because the intended recipient did not receive the funds, the transaction was not properly completed. I am requesting : A full refund of {$500.00} Documentation showing whether the funds were delivered to any account and accessed An explanation of why funds are being retained if not received If this matter is not resolved, I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Made XXXX payment on the lender portal. Unbeknownst to me, this action resulted in automatic ACH debit monthly. Double payments made because I then made monthly payments on my own. Mortgage was prepaid by 3 months, and the lender still continued to debit, even though XXXX payment was due!!!! Unscrupulous business practice! I have cancelled the XXXX auto debit, once I realized what was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/year> {$1700.00} I spoke with CashApp and requested a new card and I activated my new card. On my Direct Deposit day, I received a message that my funds were returned. After several calls and transfers, I was told my account number was changed. I didn't request for my account number to be changed only a replacement card. This caused my Direct Deposit to be returned to my Employer. CashApp, neglected to tell me my account number had changed and I was unable to update this with my employer in a timely manner. CashApp, has refused to reverse my Direct Deposit from my Employer. I have spoken to them several times and advised them this is illegal and they can't change anything on my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am sending you regarding a prior dispute I submitted concerning fraudulent hard inquiries appearing on my credit report. To date, I have not received an adequate response, nor have any corrections been reflected on my credit file. Despite continued monitoring, the unauthorized hard inquiries remain. This demonstrates that Equifax failed to conduct a reasonable and lawful reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
* * Subject : Complaint Regarding Failure to Process Short Sale Offers in a Timely Manner Resulting in Financial and Emotional Harm * * I am filing a formal complaint against CMG Mortgage regarding repeated delays and failure to properly process short sale offers on my VA-backed mortgage. In XX/XX/year>, I experienced the loss of my spouse, which required me to vacate the home due to financial hardship. Since that time, I have made consistent, good faith efforts to resolve the mortgage through a short sale. I have a wonderful Realtor who is putting in as much effort and spending more time than should be expected. Multiple purchase offers have been submitted on the property located at XXXX XXXX XXXX, XXXX, TX XXXX. However, CMG Mortgage has consistently taken * * over 30 days * * to review and respond to each submitted offer. As a direct result of these excessive delays, potential buyers have withdrawn their offers and moved on. Additionally, each time a buyer withdraws due to these delays, I am required to * * restart the short sale process from the beginning * *, including resubmitting all required documentation. This has created a continuous and unreasonable cycle that has prevented resolution of the loan. This ongoing situation has caused significant financial harm : * I continue to incur late payments on my credit report each month. * The mortgage remains on my debt-to-income ratio, negatively impacting my financial standing. * My repeated efforts to resolve this matter have been unsuccessful due to the servicers delays. Furthermore, this situation is causing * * extreme emotional distress * *, as the property in question is the home where my spouse passed away. The prolonged inability to resolve this matter is making it increasingly difficult for me to move forward. XXXX XXXX : XXXX I am requesting the following : 1. Immediate review and prioritization of any active or future short sale offers. 2. A clear explanation for the repeated delays exceeding 30 days in processing submitted offers. 3. Consideration for credit reporting relief due to servicer-caused delays. 4. Assignment of a dedicated single point of contact to expedite resolution of this matter. I am seeking a fair and timely resolution so I can move forward following both significant personal loss and ongoing financial hardship. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I'm getting XXXX about my escrow overage refund from Carrington Mortgage. My taxes decreased, and I should've received an escrow overage. I did not receive an escrow analysis in the mail but saw it in my portal that an escrow analysis statement dated XX/XX/year> was made. In the letter, refund of {$1000.00} will be received within 30 days of the date of the letter. Despite multiple calls and a conversation with a supervisor, I still haven't received my refund. XXXX assured she will call me back but no callback received. It's unfair that they're keeping my money and earning interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I am the primary buyer. The dealership used my address to secure a loan with Foursight Capital as the address of my co buyer in a contract I never signed l. I never signed these documents and the dealership forged my e-signature on the contract. The forgery was done on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO SYNCH is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO SYNCH is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Model Finance Company
State: GA

Complaint narrative:
The debt is over XXXX XXXX XXXX Ive requested for it to be removed from my credit report

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I reviewed my Early Warning Services ( EWS ) Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, un-authorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair and equitable manner that it be investigated and, if necessary, be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: GA

Complaint narrative:
I am being contacted by Unifin regarding an alleged debt that does not belong to me. The first text message I received was on XX/XX/XXXX at approximately XXXX XXXX ( XXXX ). I received another text on XX/XX/XXXX at approximately XXXX XXXX ( XXXX ). On XX/XX/XXXX at approximately XXXX XXXX ( XXXX ), I sent a written notice to Unifin disputing the debt in its entirety, stating that I am not the individual responsible, and demanding that they cease all communication with me regarding this matter. Despite this written cease-and-desist notice, I received another text message from Unifin on XX/XX/XXXX XXXX approximately XXXXXXXX XXXX ( XXXX ). Unifin is attempting to collect a debt from the wrong person and has continued to contact me after being clearly notified in writing to stop. They have also failed to provide any validation of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am formally requesting validation of the account listed as BK OF AMER XXXXXXXX XXXX XXXX XXXX XXXX as I do not have sufficient evidence to confirm that this debt is accurate or properly attributed to me. Despite reviewing my financial records, I have not found documentation supporting the existence, balance, or terms of this account. I have not received a complete payment history, original contract, or any records demonstrating how this debt originated or how the current balance was determined. This lack of transparency raises serious concerns about whether this account has been properly verified prior to being reported or collected. Additionally, I am concerned that this account could be tied to inaccurate data reporting, mixed file issues, or a potential data breach, where my personal information may have been incorrectly linked to an account that does not belong to me. Under 15 U.S.C. 1692g ( b ), I am requesting full validation of this alleged debt. Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a thorough investigation when disputes are raised, and under 15 U.S.C. 1681e ( b ), credit reporting must meet the standard of maximum possible accuracy.

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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I went into the Bank of America branch on XXXX XXXX in XXXX XXXX on XX/XX/year>. I obtained a receipt for the deposit which is attached. The information on the receipt is false. The amount available to me, {$12000.00} the amount of the XXXX XXXX check, will not be available until XX/XX/year>. I have contacted XXXX XXXX, they stated that Bank of America has the funds as of XX/XX/year>. So while I am being charged interest at XXXX XXXX XXXX Bank of America has the amount on their balance sheet and is able to use the funds for their benefit. My checking account with Bank of America has been open approximately two years. There has never been an overdraft or any other negative event during this time.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Acorns Grow Incorporated
State: MO

Complaint narrative:
I attempted to initiate a transfer of funds from my investment account to my checking account using a linked bank in the Acorns app. Though the account was verified through XXXX, verification deposits had been initiated, as well. These deposits were promised in 2-3 business days on XX/XX/year>. Despite submitting requested documents after chatting with support, the promised manual override was not performed and a second chat request was submitted. I have now received another email with instructions on verifying the micro deposits. This company is holding money that does not belong to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding the handling and denial of my mortgage assistance ( loss mitigation ) request by the lender. I recently received a denial notice indicating that a loan modification was not approved due to Investor Approval Declined. However, the notice does not provide any specific explanation, guideline reference, or justification for this decision. This lack of transparency makes it impossible to determine whether : The investor does not allow loan modifications for this loan type, or The denial was based on financial qualification criteria that may be subject to change or reconsideration I contacted the lender directly to request clarification, but I was informed that no additional details could be provided unless a separate written request is submitted. This creates an unnecessary barrier to understanding the decision and limits my ability to properly respond or correct any potential issues in my application. I am requesting the following : A clear and detailed explanation of the investors denial, including the specific guideline or restriction used to make the decision Confirmation as to whether a loan modification is an available option for this loan under investor guidelines A full and fair review of my application, including any updated financial information Compliance with all applicable loss mitigation and borrower communication requirements, including transparency in decision-making I am trying to retain my home and pursue a sustainable solution. However, I can not properly move forward without understanding the basis of the denial. I respectfully request that the lender and/or investor provide a complete explanation and reconsider my application if appropriate.

Company response to consumer: Closed with explanation