vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CO

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX would not repair the AC or fix locks in windows. We were robbed and lost over {$4000.00} worth of belongings. I sued this company for fraud and I won. I sent Experian the court documents and they refuse to remove the debt. I do not owe a debt. I sued and won in court. I do not know how to make this any more clear. My credit is suffering and I am trying to buy a house. They claim I owe {$3100.00}. I do not. They ended up having to pay ME over {$6000.00}. Please help me resolve this issue asap.

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 2026-03-26 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: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
Subject : XXXX Misapplied Forbearance Complaint Complaint : I am a federal student loan borrower whose loans were serviced by XXXX I graduated with {$100000.00} in loans and began repayment immediately, always using automatic withdrawals. XXXX placed my loans in forbearance and deferred payments without my knowledge, causing tens of thousands in additional interest. I only voluntarily paused payments from XXXX XXXX one time due to temporary financial constraints. I currently owe {$150000.00} under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a check deposit limit increase request to Mercury ( Ticket # XXXX ). Mercurys confirmation email stated the typical response time is XXXX hours. On XX/XX/XXXX, I followed up requesting an update. On XX/XX/XXXX, Mercurys Compliance team responded promising a resolution by end of day. As of XX/XX/year>, I have received no response and the request remains unresolved three business days after submission with a broken promise in between. The unresolved limit is directly preventing me from depositing funds into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding the handling of my mortgage loss mitigation application by Shellpoint Mortgage Servicing. I experienced a financial hardship but have since regained the ability to make my regular mortgage payments and have been actively attempting to resolve my account and avoid foreclosure. I submitted documentation for loss mitigation assistance in good faith. However, I later received a letter dated XX/XX/year> stating that my application could not be completed due to missing documentation. At no point was I clearly informed of what specific documents were missing. During this time, I was actively calling and communicating with the servicer and was under the impression that my application was being properly handled. I later learned that my file may have been resubmitted without my knowledge or authorization, which XXXX have contributed to the incomplete review and denial. I have made repeated efforts to obtain a clear list of required documents so that I can complete my application, but I have not been provided with clear or consistent guidance. Additionally, I am facing a foreclosure sale date of XX/XX/year>. I am attempting in good faith to complete a loss mitigation application prior to this date, but the lack of clear communication and handling of my file has made this difficult. I am requesting the following : A clear and detailed list of all documents required to complete my loss mitigation application Confirmation of all documents previously received and logged by the servicer A fair opportunity to submit a complete application and be fully evaluated for all available loss mitigation options Consideration of postponing foreclosure activity while my application is being properly completed and reviewed I am willing and able to make payments and am actively seeking to resolve this matter in good faith. I believe the servicers handling of my application has hindered my ability to do so.

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
i found about around XXXX of 2025 my Cashapp account that i had used with virtually XXXX issues for XXXX years was closed without any warning. I asked for a reason they said they couldnt tell me. I appealed it XXXX or XXXX times in the last XXXX months .. begging for it back because i never violated the terms of service ( which i read ) but they wont help. I need my account as my friends, customers and clients used it frequently. I never even got a notification or warning .. they just took it for no reason and its not fair. I committed XXXX fraud or gambling or anything like that. I used my account only as directed in the terms of service. They said they have bots and robots that decide not humans .. and it was an error in this case .. because i didnt use the account for anything illegal ever. I researched all the red flags, triggers of their automated system and read the terms of conditions and i did not violate anything listed .. and i had a cashapp business account not a cashapp personal and followed the rules. All my identity matched, i only had XXXX issue like XXXX years ago when i tried to get a refund back but other than that XXXX issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: United Shore Financial Services, LLC
State: TN

Complaint narrative:
I refinanced my mortgage ( United Wholesale Mortgage ) going into the new year of 2026. I was told I would be skipping my XXXX and XXXX payments and resuming payments in XXXX. I was on a autopay at the time for my old mortgage and I was not able to stop the autopay, I called my mortgage at that time to see if they could help stop it and the rep told me it was too late to stop it and that the payment would be pulled. At that point I told her I would dispute it and the rep said ok and did not inform me that if I was skipping that payment and the payment was still made this would be considered a overpayment and I would get those funds back on the escrow check. So I proceeded to dispute and got the funds back. When I got the escrow check there was no indicator to me that those same funds were on that check as well as my other escrow funds. I deposited that check and approximately a month later I received a letter demanding those funds back which I do not have and Im being threatened with adverse action if I dont get them back to them by XXXX sometime. Simply put I do not have another {$2500.00} set aside for another mortgage payment, the representative has a responsibility to educate me on how certain processes are handled in this case a overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TransferWise Ltd
State: DC

Complaint narrative:
It has been XXXX business days since theyve submitted the chargeback for my atm dispute. My dispute falls under eligible disputes for XXXX XXXX provisional credit which they have yet to credit and I have escalated via phone, chat, email and placed XXXX separate complaints. A XXXX XXXX told me they will see what they can do within XXXX days which sounds illegal to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone made XXXX purchases online with XXXX XXXX in XXXX, XXXX, XXXX, and twice in XXXX. Capital One dropped the ball providing more provisional credits than what was needed. There should have only been XXXX provisional credits given for XXXX. Someone gave like XXXX credits which is no fault of mine. I am very upset because this WAS NOT ME who purchased XXXX XXXX and SOMEONE WITH CAPITAL ONE DROPPED THE BALL AND MADE A MISTAKE I WANT FIXED. I have also attached police documentation when I first became a victim of identity theft. My name is XXXX XXXX & I'm reaching out regarding a claim # XXXX. I am a victim of identity theft & have my credit frozen along with a police report that shows I'm a victim of identity theft. Someone had gotten ahold of my information & purchased XXXX XXXX online. I have NEVER purchased XXXX XXXX. My account is now negative for something that I honestly didn't do & I am requesting the information provided by the merchant that ya 'll said they provided to ya 'll that shows/proves it was me that made these purchases for XXXXXXXX XXXX online which is false. I will also be filing another police report for fraud .I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to challenge this collection account, as I believe the debt is not correct and request confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
My XXXX count dropped from XXXX to XXXX AFTER I made XXXX payments and submitted my signed employer verification XX/XX/XXXX. I have a pending buy back request which I made over 15 months ago, and some of my payments were marked late due to servicer account access issues. My payments stopped counting in XX/XX/XXXX, and then resumed counting XX/XX/XXXX. Had the buy back request I made 15 months ago been processed, I would not have needed to make the XXXX payments I started making in XX/XX/XXXX. I have been employed by the Federal Government since XX/XX/XXXX. My Federal employment status alone is more than enough time with a qualifying employer ; however I do have XXXX additional years time with other qualifying employers giving me more than the required 120 months. Sometime last year I was placed into a forbearance due to XXXX litigation. I did not request to be placed on XXXX, which occurred while waiting for my XXXX recertification to process in XX/XX/XXXX. Furthermore, I have made XXXX large payments toward the loans while on XXXX in XXXX and XXXX. My XXXX should have been granted sometime in XX/XX/XXXX. It is now, 12 months past that and my XXXX still has not been processed. My last employment verification was signed and dated by my employer, and I uploaded it to the system on/around XX/XX/XXXX. That's more than the required 120 months. Please help because I have over paid this loan and now it's causing a hardship.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to escalate my dispute regarding a fraudulent collection account reported by National Credit Systems on behalf of XXXX XXXX XXXX, claiming I owe over {$11000.00}. This account is not mine. I have never lived at or near this property. On XX/XX/XXXX, I vacated a residence in XXXX XXXX, Florida, where I lived with my wife and children under a signed lease making it physically impossible for me to have simultaneously resided at XXXX XXXX XXXX. This is the fourth fraudulent collection account tied to my identity, and the only one that remains after XXXX investigation removed the other XXXX. Notably, I successfully disputed a separate fraudulent National Credit Systems account for a different apartment complex in XX/XX/XXXX, which was removed establishing a clear pattern of my identity being used to fraudulently obtain housing. My personal information, including my Social Security number and email address, has been compromised in XXXX confirmed data breaches and found on the dark web. I have filed a police report specifically for this account and submitted it along with my government-issued ID, my XXXX XXXX XXXX XXXX, and prior lease documentation directly to National Credit Systems . I have received XXXX response after more than 30 days. The account contains incorrect identifying information, including a wrong date of birth and incorrect email address, further confirming this is not my account. My credit report also shows approximately XXXX addresses I do not recognize, as well as an unknown employer listed as XXXX XXXX, none of which belong to me. I am requesting that the CFPB investigate National Credit Systems for failure to conduct a reasonable reinvestigation under the FCRA, failure to respond to a direct dispute within the required timeframe, and continued reporting of a fraudulent account despite documentation proving I am not the responsible party. I am requesting immediate deletion of this account and a full investigation into the pattern of fraudulent activity connected to my identity. Additionally, I have multiple utility and service accounts from this same time period that confirm my correct address in XXXX XXXX, Florida, including an active XXXX XXXX account and an XXXX internet account, both of which were billed to my XXXX XXXX XXXX. My landlord at that address is also available to confirm my tenancy and can provide a statement verifying that I was a resident at that location during the period in which XXXX XXXX Apartments claims I was living at their property. This further establishes the impossibility of the debt being mine and corroborates the documentation already submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: IL

Complaint narrative:
My name is XXXX XXXX not Fails my new phone number is XXXX. Im divorced and I have a new phone number Meanwhile this is proof of payment of payment XXXX XXXX XXXX Deposit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Withdrawal Bill Payment # XXXX GLS XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX Deposit Debit Card XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Withdrawal Bill Payment # XXXX GLS XXXX XXXX XXXX XXXX XXXX SC. I paid my vehicle off in full and have been requesting my title and nitro received my title nor the letter to obtain my title! I have contacted the Secretary of State and the company refuses to provide the information at hand to me or the State!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Hello, I am filing a complaint about XXXX XXXX regarding my account. My tax refund was supposed to be transferred to my bank, but XXXX XXXX locked my account after I changed my password. I was told the transfer could take days, which caused extreme stress and financial hardship. I was lured into opening a XXXX XXXX account by XXXX to have a XXXX day early tax return, which I paid for and did not get the XXXX day early tax refund. XXXX I spoke with were overseas, and hung up on me. I would like CFPB to investigate this issue and help ensure I receive my funds promptly. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENTAGON FEDERAL CREDIT UNION
State: ME

Complaint narrative:
I was not made aware at any point during the initial stages of my mortgage process that there would be a {$490.00} fee for a third-party service ( XXXX ), nor that using this service would be required. I was first informed on XX/XX/XXXX that this fee would be necessary, and I received the formal request for payment on XX/XX/XXXX. I paid the full {$490.00} immediately upon receiving the request to avoid any delays in the underwriting process. Additionally, the initial pre-approval process was unnecessarily difficult and prolonged. It took approximately 30 days to verify my income, despite my providing all requested documentation in a timely manner. Communication throughout this process was poor, with questions often only partially answered or not clearly addressed. In contrast, my new mortgage broker has not encountered these same difficulties, highlighting concerns about the efficiency and handling of my file by the original broker. On XX/XX/XXXX, I was also informed that I was required to open an account with Pentagon Federal Credit Union and was told that the {$5.00} minimum balance would be funded on my behalf. However, this did not occur, and I was ultimately required to fund the account myself, contrary to what was communicated. Despite my prompt payment of the XXXX fee and full compliance with all requirements, the third-party service did not complete or approve the condo document review in time to meet my scheduled closing date of XX/XX/XXXX. As a direct result of this delay, I was forced to switch to a different, local mortgage broker and extend my closing timeline by an additional 23 weeks, causing significant inconvenience and potential financial impact. I was later informed that the {$490.00} fee is non-refundable, despite the fact that the service did not produce a usable or timely result and ultimately failed to support the completion of my loan. I was not clearly informed in advance that this fee would be required, that the service would definitively be used, or that it would be non-refundable regardless of outcome. I am seeking a refund of the {$490.00} fee, as the service paid for did not fulfill its intended purpose and directly contributed to delays in my home purchase.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
hi i bank with chime and since XX/XX/2026 chime keeps denying my dispute no matter what evidence i provide showing that the charges were unauthorized

Company response to consumer: Closed with explanation