vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) states that fair and accurate credit reporting is essential to the banking system, and inaccurate reporting impairs its efficiency. I recently reviewed my consumer report and discovered an incorrect late payment on this account, despite the fact that I have never been late. This inaccurate reporting violates the Fair Credit Billing Act and the Truth in Lending Act, including 15 U.S.C. 1666b, which require accurate reporting and timely correction of errors. Please investigate this matter and, if you can not provide documentary evidence of any late payment, promptly correct the account to reflect on-time payments in full compliance with the law.

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 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hello CFPB XXXX denied my dispute.i don't know why I says my XXXX debit card compromised, Someone use my card on XXXX XXXX XXXXBut I don't have XXXX account. How to compromise my XXXX debit card let 's explain I was targeted by a sophisticated phishing scam originating from a XXXX advertisement. I was led to a fraudulent website that falsely promised income. To facilitate a " withdrawal, '' the site required me to link my XXXX XXXX XXXX. This was a malicious site designed to harvest card credentials ( Social Engineering/Phishing ). The Unauthorized Activity : Immediately after my card details were harvested, unauthorized charges were made via XXXX ( a third-party crypto service ). I did not authorize, initiate, or receive any goods/services from XXXX or the fraudulent website. My account is fully secure now The Dispute Process : I filed a dispute with XXXX. However, XXXX denied my claim, stating the transaction was " authorized. '' Why XXXX Decision is Wrong : Under Regulation E ( Electronic Fund Transfer Act ), an " unauthorized electronic fund transfer '' includes transfers initiated by a person who obtained the access device through fraud or without the consumer 's actual authority. I was a victim of a credential-harvesting scam. I did not authorize a payment to XXXX. XXXX has failed to provide a thorough investigation or fulfill their consumer protection obligations. I have open dispute few weeks later bcz This was my first experience in life, I had no idea about it before.When I called my police friend, he asked me to dispute it. XXXX information Compromised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debit card information was compromised And I do not have a XXXX account Desired Resolution : I request a full reversal of the fraudulent charges and a credit of {$690.00} back to my XXXX account. I also request XXXX to provide the specific documents and evidence they used to determine the transaction was " authorized. '' My XXXX card is compromise If this matter can not be resolved through chime internal review process or the CFPB complaint resolution process, I respectfully reserve the right to pursue additional legal remedies available to me like small Claim cort.or any other applicable legal actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year>, my husband tried to send my {$40.00}, and it was denied. So I checked my account and it said that it was deactivated, when I logged into my account to see what was going on, there was a massage saying that there was activity on my account that violated and went against their policy. So I contacted them to see what the problem could have been. But I was speaking with a Bot. I was asked if I wanted to appeal, I said yes, and that someone needs to call me. No one called, but the Bot, transferred me to an Advocate which is a representative. He sent two policy links of their Terms and Services pages... referencing that I was suspected of Gambling that goes against their terms, and another link reference just says goes against our terms. Which none of which applied to me. After stating that, I was asked if I would like to appeal. I responded with, Yes. On XX/XX/year>, I received an email basically stating that their decision wasn't changing. I then found a number and contacted them to see what they were talking about, and the Advocate just went in circles, and offered for me to open a new account. I told him that made no sense, to open a new account with the same information when they can just open the one they closed, that I had for years. And I demanded to know exactly what the problem was. After so long, and back in forth. He sent me an email, saying it was Money Laundering. That's when I went back to the account contact information and again, had to speak with the Bot, that eventually sent me to an Advocate. I told them that I had just hung up with speaking to someone that I could barely understand at times, and shared what he sent me in the email and that a proper investigation wasn't done, and that they didn't give me a proper explanation. Such as what transaction or transactions, and on what day or days are the speaking of. I also told them that I'm sure that they can see my transactions, So where is this violation? But it was pretty much the same things said. They really couldn't tell me anything but to appeal the appeal. So I did that. On XX/XX/XXXX and XX/XX/year>. I contacted the Bot to see if there was an update on my account, since I hadn't received anything back. Still, nothing has changed, It asks me to send an appeal. But I don't think that they are really looking into it. Because, if they were it will be simple to see, that none of what they claimed rather it was Suspicious activity, Gambling or Money Laundering, took place from my account. Then today XX/XX/year>. I contacted them to see why I haven't received my account back by now, and that I still haven't received an email explaining what I actually violated and when? Which led me to why I'm here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
In XX/XX/year>, I disputed a collection account reported by Vance & Huffman LLC that originated from XXXX XXXX, with an approximate balance of {$4500.00}. I requested full validation of this debt, including a signed contract, complete payment history from the original creditor, proof of legal authority to collect, and the date of first delinquency. Despite this request, Vance & Huffman LLC failed to provide competent evidence of the debt but continued to report it to the credit bureaus. This account is inaccurate, incomplete, and unverifiable, and it is negatively impacting my credit report. I am requesting that Vance & Huffman LLC either provide full validation of the debt or immediately remove the account from all credit reporting agencies, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Bought a used car from XXXX XXXX XXXX XXXX XXXX in XXXX OH on XX/XX/year>. We negotiated the out the door price with financing they arranged through Fifth Third Bank. When the loan was initiated, the amount financed through the bank was different than that out the door price. Then bank had charged a {$190.00} origination fee that I wasn't told about and is not listed anywhere in my paperwork. It's not in the purchase agreement or the federal truth-in-lending disclosure. I have reached out numerous times by phone and email to the dealership. They admitted it was probably a fee but once I asked why it wasn't listed on the paperwork they have stopped responding. I reached out to the bank, and they stated that the bottom number on my purchase agreement should include all taxes and fees and that number should match the loan amount. However, even though it's been 33 days since the purchase, the bank states they can't put in for a dispute as they are still waiting on paperwork from the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I am a federal student loan borrower pursuing Public Service Loan Forgiveness ( PSLF ) and have worked full-time for a qualifying nonprofit employer since XXXX. My loans are serviced by MOHELA. In XXXX XXXX, I submitted an Income-Driven Repayment ( IDR ) application requesting to switch from the SAVE plan to the PAYE plan. In XX/XX/XXXX, a MOHELA representative told me my application had been approved but had not yet been reflected on my account, but should go into effect. XXXX payments were subsequently withdrawn under the SAVE plan ( not the PAYE plan ) before my account was placed back into SAVE administrative forbearance in the winter. On XX/XX/XXXX, I contacted MOHELA again and was told that the previous information I had received was incorrect and that my IDR application had never actually been approved, and I should have NEVER been told that. After escalating the issue with multiple supervisors, I was told the application would be approved within 10 business days and that my account would transition to the PAYE plan in XXXX. When I called again on XX/XX/XXXX, I was told the application was still pending and that it was actually been approved in XX/XX/XXXX but was never applied to my account. My account remains in SAVE administrative forbearance due to servicing and processing issues. MOHELA representatives have repeatedly provided contradictory information about the status of my IDR application, and the servicers failure to properly process my request has left my loans in prolonged administrative forbearance. This situation is preventing me from making qualifying payments toward PSLF and may delay my eligibility for loan forgiveness. I am requesting that MOHELA correct this servicing error, process my IDR request for the PAYE plan, apply the change retroactively if appropriate, and ensure that any months affected by servicer processing delays are properly addressed with respect to PSLF eligibility.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I answered a call by Ally back in early XXXX, I told them I have intentions on paying but I am having extreme hardship. They told me I was behind XXXX that I was and was very inconsistent with the information they gave me which did not make any sense and did not line up with what I had on record at the time. I asked the rep for manger and he proceeded to say he was the manager. I did not care for him too much but I proceeded. I then provided him information for hardship to be able to move my payments to the end of the loan term and to be able to have XXXX months without payment and resume payment on my next due date of XX/XX/XXXX. He stated he put some stuff in his computer and I could pay the amount of {$630.00} payment by XX/XX/XXXX ( Case # XXXX ). He went back a fourth with the payment and I asked him to clarify because at XXXX point he said {$390.00}. I asked him to provide me a copy via email for my records and he said he would mail it to me but I never received anything. On XX/XX/XXXX I received a message that said I committed to pay {$390.00} on XX/XX/year>. I then logged in the system and paid that amount. On XX/XX/year> I received a message that said that my payment is 4 days past due. They proceed to send me messages that said I missed a payment. I then just paid anyway another {$25.00} because I did not have any money and I made a previous agreement not to have any payments until XX/XX/year>. I called them to rectify the situation and got hung up on multiple ties because I wanted to speak with sometimes in the united states. They then put a female on the phone who took all my personal information but kept asking for more and stated she could not verify me ( which I gave her my social security number, date of birth, email address and confirm my phone number ) she told me she can not help me with my account because the information I provided doesn't match the system but I provided she eventually hung up on me. I have received phone call from them all day all night and they have reported negatively on my credit report. I need them to correct this and take accountability for their error.

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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Company Name : Westlake Financial Services Issue : Incorrect information on the credit report Complaint : I am submitting this complaint regarding Westlake Financial Services ' inaccurate and unverified credit reporting. I have sent multiple certified written disputes to Westlake Financial requesting validation of an auto loan account they are reporting to XXXX XXXX XXXX XXXX. Despite these efforts, Westlake has failed to provide proper documentation to support their reporting. Specifically, I requested : A copy of the original signed contract bearing my signature Proof of assignment or ownership of the alleged debt Documentation establishing their legal authority to collect and report A complete accounting of the balance In response, Westlake only provided a payment history, which does not constitute proper validation of the debt or proof of ownership. Additionally, their report includes repossession-related charges, even though I remain in possession of the vehicle. This raises serious concerns regarding the accuracy and integrity of the information being reported. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers of information are required to conduct a reasonable investigation and ensure that all reported information is accurate and verifiable. Westlake has failed to meet these obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Card was issued for alarm system in home, only used for that. Synchrony did a soft pull, says credit is lower and risk of non payment. The account has had a XXXX balance and can not be used again.They did not need to perform a soft pull, they could have just closed the account because it's not usable anyway. There is absolutely no reason they needed to check my credit before they close the account when the account can not be used and I was never late and it has been paid off.

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 2026-04-01 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
In or around XX/XX/year>, I contacted CHFA to discuss a temporary financial hardship caused by a short-term employment gap between jobs. At that time, my missed payment exposure was minimal, and I was seeking guidance on how to avoid falling further behind. I submitted a loss mitigation application reflecting a temporary hardship, which was denied. Following that denial, I was provided verbal guidance by a CHFA representative indicating that continued delinquency for approximately 90 days would be necessary to qualify for additional loss mitigation review. As a result of relying on that guidance, my delinquency increased significantly beyond my initial circumstances. Following the increased delinquency, my loan was placed into a XXXX Recovery Modification. In exchange for a monthly payment reduction of approximately {$100.00}, I received a nearly 3-point interest rate increase from 5.25 % to 8.125 %, a 10-year loan term extension, and a {$81000.00} subordinate lien encumbering my property . I was not clearly informed of these consequences prior to signing. While modification documents were provided, the long-term financial implications, including the lien 's effect on my ability to sell or refinance, were not explained to me in a manner I could reasonably understand. Although I am current on my modified mortgage, the modification has materially impacted my financial position. Due to the structure of the loan and the partial claim XXXX in the amount of {$81000.00}, I am now unable to sell my home without an estimated shortfall of approximately {$20000.00} {$30000.00}, depending on market conditions and closing costs. This outcome was not clearly explained or anticipated at the time of modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NV

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 : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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 non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I have called Lloyd & McDaniel who is actively suing me, for a statement on the amount we agreed upon of {$2700.00} so that I may pay them. They continue to give me the run around, hang up on me after hours of waiting to get through to them, they have yet to send me a statement via email or postal mail & keep telling me check tomorrow or next week etc. I called again today as they told me I should recieve an email XXXX & XXXX XXXX, still havent received it. Now Im told I will recieve it on XXXX. I have no faith. If they want their money so bad, why are they not giving me an appropriate email with the payoff amount included so that I may pay them in a timely manner instead of continue to get the run around. This is taking away from my XXXX time to keep calling with NO progress from them.

Company response to consumer: Closed with explanation