vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a home equity line of credit ( HELOC ) with XXXX XXXX XXXX, with payment due on the XXXX of each month. I submitted the payment due XX/XX/year> on XX/XX/year> 29 days after the due date, before any XXXX delinquency could be reported using XXXX 's XXXX mobile app, funded from my external bank account. Because I submitted the payment through XXXX 's own system, XXXX received it on XX/XX/XXXX. XXXX applied a XXXX business-day settlement hold, did not credit the payment until XX/XX/year> ( 32 days ), and then reported my account " 30 days late '' to all three credit bureaus. I filed a direct dispute. XXXX denied it, stating that no error occurred and that it credits payments only as of when funds are received ( settle ), not when I submitted the payment. XXXX 's position is incorrect. Under Regulation Z, 12 C.F.R. 1026.10 ( a ), a creditor must credit a payment as of the date of receipt, which the XXXX XXXX defines as when the payment reaches the creditor not when the funds are collected or settle. I submitted the payment through XXXX 's own app on XX/XX/XXXX, so XXXX received it on XX/XX/XXXX ; XX/XX/XXXX reflects only settlement. Regardless of XXXX 's crediting practice, reporting my account " 30 days late '' is inaccurate and materially misleading under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : I submitted a complete, authorized payment through XXXX 's XXXX platform at 29 days, and the only reason it crossed the XXXX line was XXXX 's internal settlement XXXX. XXXX has refused to correct it. This mark is harming my credit during a serious medical period and is jeopardizing a pending financial application. Attached please find my payment submission to XXXX on XX/XX/XXXXXXXX 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 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I am disputing an alleged debt associated with a former XXXX XXXX account that is now being collected by XXXX XXXX or XXXX. Multiple agencies are trying to collect and XXXX is misrepresenting on Equifax as if they still own the account AND reporting two accounts of the same credit card. I dispute the alleged debt and have requested verification of the amount claimed and the basis for collection. Despite the existence of this dispute, collection efforts have continued without providing sufficient documentation establishing the accuracy of the balance or my legal obligation for the amount being collected. Specifically, I request : 1. A complete account history from opening through closure. 2. All account statements. 3. A transaction-level accounting showing how the final balance of {$2300.00} was calculated. 4. Documentation supporting any fees, interest, adjustments, charge-offs, credits, or other charges included in the balance. 5. Documentation demonstrating the accuracy of the amount being collec ted by Halsted Financial. 6. Documentation showing how the account was investigated after I disputed account activity with XXXX. I am concerned that the balance being collected may not accurately reflect the account history and transactions that were previously disputed. There are multiple discrepancies with payment history on Transunion from this account. If XXXX XXXX can not substantiate the balance with complete account-level documentation, I request correction or removal of any inaccurate reporting and cessation of collection efforts based on unverified amounts. I also request that all future communications regarding this matter be conducted in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to IQ DATA INTERNATIONAL INC. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that IQ DATA INTERNATIONAL INC currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to IQ DATA INTERNATIONAL INC. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Allied Enrollment Centers LLC
State: PA

Complaint narrative:
I was contacted by whom I now know are 3rd party vendors who are not associated with Studentaid.gov to assist me with my PSLF ( Public Service Loan Forgiveness ) application and processing. Paperwork was sent to me and filled out by myself and my then employers. I recently found out through verified sources that they haven't been submitting my applications at all which should've been getting done yearly to receive credit. Meanwhile, there have been automatic recurring payments being made to them since XXXX. They have ALL of my information including my XXXX, XXXX, address and account number as well as my routing number. They actually called me end of XXXX to state that it's time for a reevaluation and they've texted me on XX/XX/XXXX to inform me that my payment will be deducted on XX/XX/XXXX. The company 's name is XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. Phne number XXXX. I have another address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My agents were XXXX XXXX & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
SERVICER SENT WRONG PACKET ( USDA MORATORIUM REQUEST ) Subject : Update : Servicer Sent Incorrect Packet Instead of USDA Moratorium Application I am submitting this update to report an additional servicing issue related to my USDAguaranteed mortgage. After I requested a USDA Payment Moratorium due to involuntary unemployment, a Shellpoint supervisor confirmed that the correct USDA moratorium application packet would be sent to me. Instead, Shellpoint sent me a generic lossmitigation packet, which is not the USDA moratorium application and does not comply with USDA servicing requirements. Why this is a problem A USDA Payment Moratorium requires a specific USDA moratorium form, which includes : USDA Moratorium Request Form Hardship Certification Income/Expense Worksheet Unemployment Verification USDArequired supporting documentation This form is not publicly available and must be provided directly by the servicer. Sending a standard lossmitigation packet prevents me from applying for the correct USDA hardship option. This issue occurred alongside other misrepresentations This is now part of a pattern of inaccurate information, including : Shellpoint incorrectly stating I am ineligible for a USDA moratorium due to being more than 12 months delinquent ( a restriction that does not exist in USDA regulations ) Shellpoint quoting an incorrect modification payment amount that contradicts their own written documentation Requested CFPB Action I am requesting that CFPB require Shellpoint to : Provide the correct USDA Payment Moratorium application packet Confirm in writing that my moratorium request is being processed Pause foreclosure activity during USDA moratorium review Ensure all representatives provide accurate USDA information Correct the previously misquoted modification payment amount Thank you for your continued assistance. Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: AMERIPRISE BANK, FSB
State: MN

Complaint narrative:
This is a follow-up complaint regarding my previous CFPB complaint ( ID : XXXX ), submitted on XX/XX/year>, which has remained in Submitted status for over 30 days without being forwarded to the company or any progress update. I am filing this complaint again due to the lack of action and continued unresolved issue. My mortgage is currently serviced by XXXX Bank. The original property value is {$380000.00}, and my current loan balance is approximately {$280000.00}, which results in a loan-to-value ( XXXX ) ratio of about XXXX XXXX Under the Homeowners Protection Act, PMI should be automatically removed when the XXXX reaches 78 %, and borrowers have the right to request removal once the XXXX reaches 80 %, provided the loan is current. My loan is current and meets all conditions for PMI removal. Despite this : - XXXX continues to charge PMI of approximately {$95.00} per month - Their system incorrectly indicates PMI removal eligibility as XX/XX/year>- I submitted a request for PMI removal through their mobile app approximately 30 days ago - I have made multiple attempts to contact them by phone but have not received any meaningful response or resolution I am requesting : XXXX. XXXX forwarding and processing of my complaint by CFPB XXXX. Enforcement of PMI removal in accordance with federal law XXXX. Correction of the incorrect PMI eligibility date in the servicers system XXXX. Reimbursement of any PMI charges that should not have been applied Please link this complaint with my previous case and expedite review, as this issue has already been pending for an extended period without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I'm getting repeated phone calls every day from different numbers marked as " PORTFOLIO RECOVERY ''. I picked up twice and there was silence on the line after that the call frequency increased to every day. I'm not picking up anymore, and blocking the numbers doesn't help since they call from a different one every day. I do not have any debt and have a clean credit history. Please help me stop these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The vehicle tied to this loan suffered a catastrophic collision on XX/XX/year>, and was deemed an immediate total loss. Due to mandatory state registration and title processing delays for a newly purchased vehicle, the primary insurance company could not finalize the claim payout until XX/XX/year>, at which point XXXX successfully received a payout of {$21000.00}. While fully aware that a total loss claim and state-level registration transfer were actively in progress, XXXX prematurely accelerated the account to a " Charge-Off '' status in XX/XX/year>. Furthermore, XXXX is actively reporting a remaining deficiency balance of {$4000.00} on my credit reports. At the time of purchase on XX/XX/year>, I executed and fully financed a XXXX Guaranteed Asset Protection ( GAP ) Contract Addendum ( Contract # XXXX ). Under the strict contractual terms of this financed agreement, XXXX is required to waive the remaining deficiency balance. XXXX 's failure to apply the financed GAP waiver and their active reporting of a {$4000.00} delinquent balance constitutes inaccurate credit reporting and a material breach of our financing contract.

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 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
CFPB Complaint Text I am filing this complaint against Cash App / Block regarding case number XXXX. Cash App denied my fraud claim for a {$290.00} transaction by stating that the transaction was authorized by you or someone you authorized to use your credentials. I dispute that conclusion. I did not authorize this {$290.00} transaction. I did not authorize anyone else to use my Cash App credentials, card information, or account information. This happened after I received a phishing email impersonating Cash App. The email falsely stated that my account was restricted due to fraudulent activity. Believing it was Cash App, I clicked the link and was directed to a fake site that asked me to verify my identity and enter card/account information. After looking more closely, I realized the email was not actually from Cash App. My information was obtained through fraud and impersonation. The transaction occurred after my information was stolen. I received no benefit from the {$290.00} transaction. Cash App denied the claim and closed it. I am requesting that Cash App : XXXX. Reopen the investigation. XXXX. Reclassify this as an unauthorized transaction caused by phishing/stolen credentials. XXXX. Reimburse the {$290.00}. XXXX. Provide all documents and data records Cash App relied on to deny the claim, including device, IP address, location, timestamp, recipient/merchant details, transaction pathway, login/session records, account history, and any other records used to conclude that the transaction was authorized. XXXX. Preserve all records related to the transaction and the investigation. I am attaching the Cash App denial email, the transaction record, the phishing email, and any related screenshots/documents I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern, I am formally requesting immediate assistance regarding a fraudulent online purchase of {$78.00} and the mishandling of my dispute claim. I purchased two shampoos from a website that appeared to represent XXXX XXXX. After placing the order, I discovered that the seller was not affiliated with the legitimate company and was operating fraudulently. The individual identifying himself as XXXX sent me incorrect items that did not match my order. When I contacted the seller regarding the incorrect items, I requested a prepaid return shipping label because the seller shipped the wrong merchandise. Instead, I was repeatedly told that I needed to pay for return shipping myself before receiving a refund. I then opened a dispute with my credit card company, Citibank, because the seller failed to properly resolve the issue. Despite explaining that I received incorrect items and that the merchant appeared fraudulent, the dispute was repeatedly reopened and inadequately investigated. Citibank ultimately informed me that I needed to return the items in order to receive my refund. Following those instructions, I paid approximately {$12.00} out of pocket to return the merchandise on XX/XX/year>. After the seller received the returned package, XXXX repeatedly assured me that my refund would be processed within 10 business days. However, it has now been over a month, and I still have not received my refund. I have independently investigated this seller and discovered evidence indicating that this is a scam operation impersonating the legitimate XXXX XXXX company. I have already submitted supporting evidence, including emails, tracking information, proof of return shipment, screenshots, and communications with the seller, to Citibanks disputes department. Despite providing substantial documentation, my credit card company has failed to properly protect me from this fraudulent transaction or assist me in recovering my money. I am requesting the following : 1. Immediate reimbursement for the fraudulent transaction. XXXX. Reimbursement for the {$12.00} return shipping expense I was forced to pay. XXXX. A thorough reinvestigation of this dispute. XXXX. An investigation into the fraudulent seller impersonating XXXX XXXX. XXXX. Confirmation that appropriate action will be taken to prevent additional consumers from being scammed. I have maintained all records and evidence related to this matter and am prepared to provide additional documentation upon request. Thank you for your prompt attention to this serious issue. Sincerely, XXXX XXXX XXXX XXXX XXXX for my dispute with Citibank

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 monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
LoanDepot Credit Reporting Department Loan Number : XXXXXXXX XXXX XXXX XXXX Subject : Goodwill Adjustment Request To Whom It May Concern, I am writing to respectfully request a goodwill adjustment regarding a late payment reported on my account for XX/XX/year>. This account is now closed, and throughout my relationship with LoanDepot, I made every effort to manage my obligations responsibly. The XX/XX/year> late payment was an isolated incident and does not reflect my overall payment history or commitment to meeting my financial responsibilities. Since that time, I have worked diligently to maintain my accounts in good standing and improve my financial situation. I am grateful for the opportunity I had to do business with LoanDepot and appreciate the service your company provided. As a gesture of goodwill, I respectfully ask that you consider removing the XX/XX/year> late payment notation from the credit bureaus. I understand that you are under no obligation to do so, but such consideration would greatly assist me as I continue to strengthen my credit profile. Thank you for taking the time to review my request. I appreciate your consideration and look forward to your response. Sincerely, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX ON MY NOW CLOSED ACCOUNT WITH LOAN DEPOT, I HAD A 30 DAY LATE IN XXXX OF 2023 THAT WAS DUE TO ME CONTRACTING XXXX XXXX. I WAS INFORMED THAT I WOULD NPT RECEIVE A LATE and STILL DID. I KNOE THAT THE ACCOUNT IS CLOSED, BUT I WANT TO KMOW IF IT COULD BE UPDATED TO MAKE MY FILE PERFECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX XXXX servicemember XXXX in XXXX. I relocated from XXXX state in XX/XX/year>. XXXX XXXX is holding my XXXX state title and has failed to forward it to XXXX XXXX to facilitate an interstate title transfer for over 120 days. I have contacted XXXX XXXX multiple times and they have only provided a lien information letter which XXXX XXXX does not accept for registration. I am now past XXXX 90-day registration requirement and can not legally drive my vehicle. XXXX XXXX directed me to contact XXXX DOL, but they hold the physical title and must be part of the transfer process. I need XXXX XXXX titling department to forward the XXXX title to XXXX XXXX immediately so I can register my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Unable to pay debt at the moment. I was selected for student loan forgiveness but it was never forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: A-1 Premium Acceptance, Inc.
State: TX

Complaint narrative:
Never received money they say they sent, they show a balance owed that is accruing interest, I reported and requested cancellation day one, I have phoned and emailed receiving zero response amd only one person answers phone who does nothing but says Ive sent them a message, claims to be a supervisor named XXXX, useless in giving any info and refuses to let me CC speak to anyone else, again they are charging me for money I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Medicredit keeps calling me on behalf of XXXX XXXX XXXX XXXX claiming I owe them money I have never been to that location I've blocked them but they keep leaving me voicemails every couple of days. They call me from different numbers and each time I've blocked them they continue to harass me with voicemails. I've already spoken to XXXX to get this to stop but it hasn't. It's just gotten worse. This is been going on for over a yr

Company response to consumer: Closed with explanation