vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am filing a complaint regarding a frozen XXXX account that contains approximately {$370.00} of my funds. My account has been frozen for several months due to identity verification issues. XXXX repeatedly asks me to upload verification documents, and I have submitted the requested documents multiple times. Each submission is rejected with a generic message stating that some of the documents could not be verified. XXXX has never explained what information is incorrect or what additional documentation is needed. I am currently XXXX XXXX XXXX and created the account a while ago. It worked perfectly fine for me then all of the sudden stopped. I am concerned that this may be related to the verification issue, but XXXX has not provided any explanation or instructions for resolving the problem. I have attempted to contact XXXX through every available support channel. The chatbot only provides automated articles and does not connect me with a human representative. The phone system repeatedly directs me to an email that I never received. I have been unable to obtain assistance from a live representative despite repeated attempts over several months. As a result, I have approximately {$370.00} in my account that I can not access. I am requesting that XXXX provide a manual review of my account, explain the reason for the verification failures, and provide a clear process for recovering my funds. I am not seeking compensation beyond access to my funds and a resolution of the account restriction. I simply want a meaningful review of my account and instructions on how to regain access to the money currently being held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposit my paycheck from the same organization, the same way, every XXXX weeks vi amobile app ( whihc seems to have changed a bit ) and my check was accepted AND deposited. My house payment came out and it stated i was overdarwn, which it should not have been. upon checking i saw my paycheck was reversed ( no explanation given ). so i had to call, the agent stated teh account number was no\t valid. yes it is. i porcess the paychecks for teh organization. she them hmm and ahhed and then came up with, maybe it's becaise ut is blurry? well then why was it accpeted AND DEPOSITED in the first place? i asked if i can redeposit the check which of course i can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
Submitted a feedback on STUDENTAID.GOV. No response received. Followed up by telephoning phone number ( studentaid.gov is XXXX ) and advised an open case was established and their Ombudsman would contact me no later than XX/XX/2026. That never happened. I called back only to be then advised that I needed to contact XXXX ( this is the SAME PHONE NUMBER FOR STUDENTAID.GOV ). However, after locating a different source for XXXX they referred me back to Studentaid.gov and vise versa. This merrygoround continued until I finally filed a complaint with your agency assuming resolution would be made. As usual, it was not. I only received notification from your agency that the case was closed in response to XXXX letter received. Now .. I dont work for a government agency but I am confident in saying I would do my job thoroughly if I were to work for one rather than " pass the buck '' and avoid accountability of the job roles that consumers requested my assistance for to begin with. But that's just me. XXXX is STUDENTAID.GOV. View the bottom of the letter you received in response to my previous complaint! All I know is the information reported, rather that be from XXXX OR STUDENTAID.GOV ( SHARED COMPANIES ) IS INCORRECT AND I ASKED YOUR COMPANY TO INVESTIGATE THE MATTER NOT LET ME DO ALL THE LEG WORK WITH THE COMPANIES THAT I HAVE ALREADY SPENT NUMEROUS HOURS ON AN UNRESOLVED MATTER!

Company response to consumer: Untimely response
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have repeatedly attempted to contact this company to obtain information regarding an alleged debt that they claim I owe. I have called multiple times and specifically requested written validation of the debt, including the amount owed, the original creditor, and documentation showing how the debt was calculated. Despite my repeated requests, the company has failed to provide any written statements or supporting documentation. As a result, I have no way to verify whether this debt is accurate, determine where it originated, or confirm the amount they are attempting to collect. Instead of providing the requested information, representatives have continued collection efforts without validating the debt. This has caused significant confusion and concern because I am unable to determine whether the debt is legitimate or whether the amount being claimed is correct. I am requesting that the company be required to provide complete written validation of the debt, including the name of the original creditor, the account information, the amount allegedly owed, and any documentation supporting their claim. If they are unable to validate the debt, I request that all collection efforts cease and that any inaccurate reporting associated with this account be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX could not afford payment the car due to a lost job then car malfunction cost me almost XXXX XXXX and couldn't afford payments and the amount to have the car fixed less than XXXX miles later drivetrain malfunction on a vehicle XXXX XXXX XXXX dealership said would cost XXXX to fix and that's more than what the car alone is worth car has less than XXXX miles on it which is absolutely ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this account and the inaccurate personal information associated with my credit file multiple times. Despite my previous disputes, Equifax continues to report information that is inconsistent and inaccurate. The XXXX XXXX XXXX XXXX account is reported differently across the credit bureaus, including different account information and balances, while XXXX does not report the account at all. My personal information, including my name, is also reported inconsistently and contains inaccuracies. Because I have already disputed these issues and they remain unresolved, I am requesting deletion of the disputed account from my Equifax credit report. I am also requesting removal of all inaccurate name variations, aliases, addresses, and any other inaccurate identifying information associated with my file. In addition, Equifax reports information regarding this account that differs from information reported by other credit reporting agencies. These inconsistencies raise concerns regarding the accuracy and verification of the account. If Equifax claims the account has been verified, I request that Equifax provide the documentation, records, and method of verification used to support its continued reporting. If Equifax can not provide such documentation, the account should be deleted immediately. I am also requesting correction and removal of all inaccurate personal identifying information from my credit file and written confirmation of the actions taken in response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have XXXX loans that are reported to be in default status. XXXX ) {$3800.00} XXXX ) {$4400.00} XXXX ) {$3000.00} I have provided evidence via certified mail that ALL of these loans were paid in full and reported paid in full status via fedloan to the default resolution group and my evidence is not being heard and is affecting me largely as it dropped my credit score XXXX points! Incorrect Student Loan Default Status Despite Full Payment and Repeated Documentation I am submitting this complaint because my student loan account is being incorrectly reported and/or treated as being in default despite my having paid the loan in full in 2020. Since discovering this error, I have repeatedly contacted the loan servicer and/or responsible agency and provided documentation demonstrating that the debt was satisfied. Despite submitting evidence of payment, the incorrect default status has not been corrected. Summary of the Issue : * The student loan was paid in full in 2020. * I possess documentation supporting the payment and satisfaction of the debt. * I have provided this documentation to the company on multiple occasions. * The company has failed to properly investigate and correct the account records. * As a result, I continue to experience harm due to the inaccurate reporting and/or account status. Attempts to Resolve : I have made good-faith efforts to resolve this matter directly with the company by submitting supporting documentation and requesting a correction. Despite these efforts, the issue remains unresolved. I have not been provided with an adequate explanation as to why the account continues to be reported or treated as being in default. Requested Resolution : I am requesting that the company : XXXX. Conduct a complete review of my account and all payment records. XXXX. Correct any inaccurate records indicating that the loan is in default. XXXX. Update all reporting to reflect the accurate status of the account. XXXX. Provide a written explanation of their findings and the actions taken to correct the error. XXXX. Remove any adverse reporting that resulted from this inaccurate default designation. I am attaching supporting documentation, including proof of payment and correspondence related to my prior attempts to resolve this matter. Thank you for your assistance in ensuring that my account records are accurate and that this matter is resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
I had a payroll garnishment, we paid the garnishment off. However the My check is still being garnished I contacted the company to stop the garnishment and they haven't even sent my payroll department a letter to stop the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: AL

Complaint narrative:
My account was in forbearance due to the save program which it stopped me for applying credits towards my PSLF application for 2 full years. I submitted all necessary documents and military documents. My account balance of what I pay a month has been {$0.00} dollars since I qualify for XXXX under Government program. Now they save I have to buy the time back which my account should've never went into Forbearance if my balanced was already at {$0.00} dollars a month. My XXXX application still haven't got settled yet. I still have the same 42 qualifying credits. I already change the save program to another ICR Plan and those payments haven't reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Re : Request for Removal of Obsolete Collection Account To Whom It May Concern : I am writing to dispute the accuracy of a collection account being reported by Midland Credit Management on my XXXX credit report. The account in question is being reported as an active collection account ; however, the original delinquency date on this debt is more than XXXX years old. Under the Fair Credit Reporting Act ( FCRA ), collection accounts generally may not be reported more than XXXX years from the date of first delinquency. Because this account exceeds the allowable reporting period, I am requesting that XXXX conduct an investigation and remove the account from my credit file immediately. Please provide : The date of first delinquency being used for reporting purposes. Verification that the account is legally eligible to remain on my credit report. Written confirmation of the results of your investigation. If the account can not be properly verified as reportable under the FCRA, I request its immediate deletion. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last XXXX of XXXX : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I requested debt validation from Midland Credit Management regarding an alleged XXXX XXXX XXXX account with a reported balance of {$2300.00}. In response to my request, Midland provided account statements only. The documentation provided did not adequately establish ownership of the alleged debt, the chain of title, or Midland Credit Management 's legal authority to collect and report the account. I subsequently sent a follow-up dispute requesting complete debt validation, including proof of ownership, chain of title, account records, and documentation supporting Midland 's authority to collect and furnish information regarding this account. The requested documentation was not provided. Despite the lack of sufficient verification, the account continues to be reported. As a consumer, I am entitled to accurate and verifiable information under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681 and 15 U.S.C. 1681s-2 ( a ), which require the reporting of accurate information. I am also exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request proper validation of an alleged debt. I am requesting that Midland Credit Management provide complete documentation supporting its claim and authority to collect and report this account. If Midland can not provide sufficient verification, I request that the account be removed from all consumer credit reports and that all collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
Communications with AmeriHome Mortgage XX/XX/XXXX Per Customer Service Rep XXXX - AmeriHome Mortgage paid taxes to XXXX XXXX on XX/XX/XXXX in the amount of {$2800.00}. These funds were returned and deposited back into Escrow on XX/XX/XXXX. I was instructed to website : XXXX and provide a PIN ( DNHL ) to upload my documents. I submitted my documents on the same day. I was told that I would have resolution by XX/XX/XXXX and I was told that I would not be charged for the late fees. I also provided contact information for XXXX XXXX Treasurer : o XXXX XXXX, Deputy Treasurer I o XXXX ( XXXX ) o XXXX The CORRECT Real Estate Tax due was {$2100.00}. XX/XX/XXXX Per Customer Service Rep Chute my complaint was never escalated I was told I would receive a call back within XXXX hours from the XXXX Dept . XX/XX/XXXX After being on the phone for XXXX minutes while the Customer Service Rep XXXX researched my complaint and verified my information, I was transferred to a Supervisor XXXX. Once again, I provided the contact information to XXXX XXXX XXXX. XXXX did call and leave a voice mail for XXXX XXXX that they were investigating the issue. XX/XX/XXXX Emailed complaint to AmeriHome customer service. XX/XX/XXXX XXXX - email from AmeriHome achknowledging my complaint and to expect a call from a Specialist today. XXXX received a call from AmeriHome Specialist that they were looking into my complaint. XXXX - email from AmeriHome that their XXXX department was working with their " tax vendor '' to confirm the tax infomration on file and to pay the total amount due. XX/XX/XXXX Email from AmeriHome that XXXX XXXX would be my direct point of contact " as we work toward a resolution ''. I confirmed with the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX that they have not been contacted by anyone from AmeriHome regarding the status of my deliquent taxes.

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 2026-06-03 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:
I opened my account XX/XX/year> but never started to use this account until my direct deposit on XXXX. On XX/XX/XXXX I had XXXX charges from XXXXXXXX XXXX XXXX for {$250.00} and {$170.00} that are not mine. When I saw them I cancelled my card immediately and called customer service. They said I have to wait until the pending either gets paid or returned. I don't know why it was not returned after I called and said it was fraud, I was denied once and now it is still pending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
XXXX placed a matter into collections. The amount initially placed in collections was approximately {$1600.00}. For almost the past year I have been arguing that I only owe my final bill of approximately {$240.00}. Recently XXXX has agreed that I only owe the {$240.00}. I have requested that XXXX remove this matter from collections as it is ruining my credit score and I will gladly pay the {$240.00}. XXXX refuses to remove the matter from collections. I inquired with the collection agency if they will do a " pay and delete '' and they have advised that decision would be made by XXXX. I am requesting the CFPB 's assistance with this matter. The following information is the collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Phone # XXXX. I am also providing the following contact information for the XXXX Executive Relations Team. I am being assisted by XXXX who can be reached at XXXX ext. XXXX. Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
House fire XX/XX/XXXX. XXXX XXXX released over $ XXXX to repair but send claim check with payees that included my wife and I ( mortgage owners ) and Roundpoint in early XX/XX/XXXX. Contractors have been ready to get to work and some of the permits have expired and Roundpoint has failed to release monies to pay them. Their own contract says they will release " a minimum of 20 % of the total insurance claim disbursement amount within XXXX days after receiving the signed check with our signatures ''. We mailed the first check ( {$11000.00} ) a month ago and they tell us they are too busy to meet the deadlines they set. We can not move forward without the money. I have sent 6 letters, am now in escalated mode, and they are causing us to potentially lose our contractors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Can you verify this entry? It's delayed and potentially wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I discovered negative information on my credit reports and contacted the company to understand the nature of the alleged debt. At the time, I was unaware of my right to request written debt validation and did not know that I should obtain documentation before making any payment. During my conversations with the company, I was offered a settlement to resolve the account. Based on the information provided to me, I accepted the settlement offer over the phone and paid the agreed amount in full. Despite satisfying the settlement, the negative reporting associated with this account continues to appear on my credit reports and has significantly damaged my credit profile. The derogatory reporting has negatively affected my ability to obtain financing and has impacted my overall creditworthiness. I believe I acted in good faith to resolve this matter. Had I been properly informed of my rights and provided with complete written validation of the debt, I would have been in a better position to evaluate the account before making payment. I am requesting that the company review this matter and remove the derogatory reporting associated with this account from all consumer reporting agencies. Alternatively, I request that the company provide complete documentation supporting the debt and the continued reporting of this account. I also request that all credit reporting be updated to accurately reflect that the account was settled and paid.

Company response to consumer: Closed with explanation