vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase initially approved and issued provisional credits totaling {$11000.00} and {$3400.00} related to an employment scam. Chase then reversed all provisional credits and closed all related fraud claims, asserting the transactions were authorized. These transfers were induced through criminal misrepresentation by individuals posing as an employer and directing the consumer to withdraw funds as part of fake job tasks. This is not valid authorization. Chase has failed to apply Regulation E consistently and has provided no documentation showing third-party reimbursement. The reversal of all credits constitutes improper application of the authorized-transaction standard and failure to protect the consumer in a documented employment scam. 

Law Enforcement Reports A police report has been filed regarding this employment scam ( Police Report XXXX ). In addition, all evidence related to this matterincluding communications, screenshots, transaction records, and the identities used by the perpetratorshas been submitted to the FBI Internet Crime Complaint Center ( IC3 ). I am cooperating fully with law enforcement and will provide any investigative updates or documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK
State: PR

Complaint narrative:
Subject : Illegal Account Closure, False Reporting, and Credit Damage Discover Card closed my account without any prior notice, creating an artificial default and reporting a charge-off that I was never given the opportunity to prevent. 

This action caused severe and unjustified damage to my credit profile. 

Discover failed to : - Provide adverse action notice - Provide debt validation - Accurately report the date of first delinquency - Cease re-aging the account - Justify balances exceeding the credit limit This conduct violates the Fair Credit Reporting Act and CFPB Regulation V.

I am requesting : 1. Immediate deletion of the account from all credit bureaus 2. Correction of all inaccurate data 3. Written confirmation of compliance This complaint is submitted for immediate regulatory review. 

DISCOVER CARD Revolving Credit Opened : XX/XX/XXXX Limit : {$1500.00} Last Payment Recorded : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$1900.00} Current Status : Charge-Off Reporting continuous late payments until XXXX Scheduled Removal : XXXX CLEAR LEGAL VIOLATIONS : VIOLATION # XXXX CLOSURE WITHOUT NOTIFICATION ( VERY SERIOUS ) Discover closed the account without prior notice, which : Caused an artificial default Generated a debt that could not be prevented Triggered delinquency reports without an opportunity for correction Direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate Information FCRA 623 ( a ) ( 5 ) Failure to Notice of Action Adverse CFPB Regulation V VIOLATION # 2 IGNOT LATE PAYMENT REPORTS The first few months are listed as OK Then they appear as : 30 / 60 / 90 / 120 / 150 / 180 days late NO evidence of prior notice or restructuring NO validation of submitted debt This makes the late payments disputeable on a case-by-case basis VIOLACIN # 3 RE-AGING ILEGAL DEL CHARGE-OFF The account was closed in XXXX But it continues to be reported monthly until XXXX Artificially maintaining the active damage Violation of : FCRA 605 ( c ) Incorrect date of first delinquency Re-aging prohibition VIOLATION # 4 INFLATED BALANCE Limit : {$1500.00} Reported balance : {$1900.00} No contract, interest, or breakdown Unverifiable information = MUST BE DELETED This account is reported to all XXXX credit bureaus : Transunion, Equifax, and Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing this complaint for a violation of Regulation E ( 12 CFR 1005.11 ) and the XX/XX/XXXX CFPB Consent Order ( File No. XXXX ). 
1. Timeline of Error : On XX/XX/XXXX, {$38.00} was erroneously/unauthorizedly removed from my account. I formally notified Cash App of this error on XX/XX/XXXX, and was issued Reference Number # XXXX XXXX. Failure to Resolve : Under Regulation E, Cash App was required to resolve this or provide a provisional credit within 10 business days ( by XX/XX/XXXX ). It has now been 30 days. They have neither returned the funds nor provided a provisional credit. 
XXXX. Obstructive Support : When I followed up, support agent XXXX XXXX ' refused to provide a transcript of our chat and characterized my legal dispute as 'product feedback. ' On XX/XX/XXXX Cash App sent a message claiming the 'complaint portion ' of the case was resolved without an investigation or refund. 
Resolution Requested : I demand an immediate refund or provisional credit and a formal explanation for why the 10-day legal investigation window was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
On XX/XX/year>, I received an supposedly automated message saying I attempted a zelle transfer of {$1000.00} and it asked was that me who attempted it. I replied no and thats when I received another message saying someone from my bank ( Navy Federal ) will reach out to me. I then received a call from and an Individual who misrepresented their identity as a Navy Federal Rep. I have photos of the message and call log of that day. I was deceived into sending XXXX dollars via cashapp to the individual who then hung up once he received the payment. The individual 's number somehow showed up as Navy Federal 's number which contributed to the misrepresentation of the individuals identity. Immediately called Navy Federal to explain the situation. They then told me someone will investigate the matter. I received an email today saying fraud claim was denied, which is why I am reaching out to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover representative promised to match my payment of {$1000.00} if I made a payment by XXXX, which I did but the company never followed through with matching the payment. I called and spoke to one representative after another and none of them will do anything to help me and refuse to credit my account. This is just one of many many issues that I have had with Discovers horrible service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Legal Group, P.C.
State: GU

Complaint narrative:
I engaged XXXX XXXX XXXX XXXX ( CLG ) under a service agreement dated XX/XX/year>, to represent me in matters involving creditor disputes and debt validation. CLG represented that they would challenge debts, communicate with creditors, and defend me in lawsuits related to enrolled debts.

However, CLG failed to disclose what would occur if debts were validated. Despite this omission, they continue to retain fees without providing meaningful relief or refund. Their contract states that fees are earned when paid, but this was never clearly explained during enrollment. I have voice recordings of conversations with CLG staff that contradict the written agreement and demonstrate misleading assurances about refunds and outcomes.

-- - Details of the Complaint CLG promised to challenge debts and provide relief but did not disclose that validated debts would result in no refund.

The process of debt validation was never explained clearly, and they only emphasized what happens if debts are invalidated.

CLG failed to provide proactive updates ; I had to call multiple times to get information.

When I did reach someone, I was told new information that had never been disclosed before.

CLG stopped working with a company they had previously partnered with, but I was never informed of this change.

Fees were retained despite debts being validated, leaving me without the promised benefit. 
Their practices amount to misrepresentation, unfair business practices, and unjust enrichment. 

Over the 20 months of me being in the program I paid {$5400.00} and they only offered me a refund of {$440.00}

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
XXXX XXXX  called on XX/XX/year> pertaining to my house payment before the grace period is over. I requested no calls and no text before then. They texted me today after I spoke with them. This is harassment, bullying and retaliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My original complaint was closed without including information from all of the Loan Servicers involved with my mortgage. CFPB did not investigate loan Servicers Chase, and XXXX. This information was supplied and not investigated. I also never refinanced my home, instead I received a modification. XXXX was the original loan servicer, and Chase was right after XXXX. Please complete the investigation. 
Complaint XXXX XXXXXXXX, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
Company name : Revolut Technologies Inc . 

Product : Credit card / Digital banking account Issue : Identity theft account opened without authorization Complaint narrative : I am the victim of identity theft. An account was opened with Revolut Technologies Inc. in my name without my knowledge or authorization.

I did not apply for, open, or consent to any Revolut account or credit product. I began receiving account statements and notices despite having no relationship with this company. 

I have taken the following actions : Placed credit freezes with XXXX XXXX XXXX XXXX Sent a formal written identity theft notice to Revolut via certified mail requesting immediate account closure and confirmation of no liability Despite these actions, I have not received timely or effective resolution. I am requesting that Revolut : Immediately close any fraudulent account ( s ) opened in my name Confirm in writing that I have no financial liability Ensure no negative credit reporting has occurred or will occur Cease all billing and account communications I am requesting CFPB assistance to ensure prompt compliance and written confirmation of resolution. 

Desired resolution : Immediate closure of fraudulent account ( s ) and written confirmation of no liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Shellpoint Mortgage Servicings refusal or failure to postpone a scheduled foreclosure sale, despite clear evidence that the property securing the loan is actively listed for sale and will result in a full payoff of the mortgage debt. 
Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Scheduled Sale Date : XX/XX/year> The property is currently actively listed on the CRMLS at a competitive market price and was recently reduced to encourage an expedited sale. Based on current market conditions and buyer activity, a successful sale and full payoff are reasonably imminent. Documentation supporting the active listing and price reduction has been provided to the servicer. 
Proceeding with a foreclosure sale under these circumstances is unnecessary, avoidable, and harmful, particularly when the servicer is positioned to be paid in full through an arms-length market transaction. Allowing the sale to proceed would create irreparable harm to the borrower while providing no financial benefit to the investor beyond what is already assured. 
I am the listing real estate broker and authorized third party, and I have formally requested that Shellpoint postpone the sale date to allow sufficient time for the transaction to close escrow. This request is reasonable, time-limited, and aligned with loss-mitigation principles and the CFPBs servicing standards, including the obligation to avoid unnecessary foreclosure where alternatives exist. 
Shellpoints failure to pause the sale under these conditions raises serious concerns regarding : Failure to exercise reasonable loss-mitigation discretion Unnecessary advancement of foreclosure despite a pending full payoff Potential unfair servicing practices causing avoidable consumer harm This complaint seeks CFPB intervention XXXX require Shellpoint to postpone the XX/XX/year> foreclosure sale and allow the open-market transaction to proceed to closing, resulting in full satisfaction of the mortgage debt. 
If additional information is required, I am available immediately. 
Sincerely, XXXX XXXX XXXX Real Estate Broker | XXXX XXXX # XXXX Authorized Third Party Phone : XXXX Email : 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 explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am submitting this complaint regarding a restriction placed on my Capital One checking account following a check deposit. Capital One stated that the restriction was due to their inability to verify a phone number associated with the check.

I have cooperated fully and promptly with all requests from Capital One. I have contacted the bank almost daily for over a week seeking updates or a resolution, but I have not been provided with a clear explanation, meaningful progress updates, or a firm resolution timeline. Capital One has also not provided a way for me to submit a written complaint or secure message through the app or online, leaving me with no documented method to communicate other than repeated phone calls. 

I have since confirmed with the check issuer ( my XXXX ) that the deposited check has been successfully withdrawn from his bank account on XX/XX/year>, indicating that the funds have cleared on the issuers side. Despite this confirmation, Capital One continues to restrict my account and deny normal access to my funds. 

In addition to restricting access to my funds, Capital One has also restricted my access to certain functions within the Capital One mobile app, limiting my ability to manage or monitor my account during this process.

Capital One has stated that the only temporary access available is ATM cash withdrawal with prior phone approval required for each withdrawal. While this confirms that the funds are acknowledged as mine, this process is burdensome, time-consuming, and not a reasonable substitute for normal account access. It prevents me from paying bills, making electronic payments, and managing my finances effectively, and it continues to cause financial hardship and risk of late fees. 

At no point have I been informed that fraud has been confirmed. The prolonged restriction, lack of written communication, limited app functionality, and absence of a firm resolution date are unreasonable given the circumstances and my continued cooperation.

I am requesting : 1. Immediate executive or regulatory review of my account restriction 2. Restoration of full access to my funds and mobile app functionality 3. Written confirmation of the investigation status and a firm expected resolution date 4. Reimbursement of any fees, penalties, or financial losses incurred as a direct result of this restriction I am submitting this complaint because my repeated good-faith efforts to resolve this matter directly with Capital One have been unsuccessful, and the continued restriction has caused ongoing financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK
State: IL

Complaint narrative:
Your proposal for Discover Bank ( XXXX ) was sent XXXX XXXX  XX/XX/year> at XXXXXXXX XXXX and was rejected Tue, XX/XX/year> at XXXXXXXX XXXX 

This was the proposal : Creditor : Discover Bank * ( XXXX ) Debt Type : Credit Cards/Unsecured {$13000.00} {$0.00} {$310.00} {$310.00} XXXX XXXX XXXX/XXXX Debt Owner : Fair Share : Yes XXXX XXXX XXXX XXXX I was told the proposal was rejected because the balance was higher and the payment was too low. I sent the statement showing I had been making payments and they keep charging interest even though the card hasn't been used in months. They resent the proposal with a higher payment and it was accepted. Discover did not lower the interest rate until I filed a complaint and even then that is all they did was lower the interest on paper because everything else stayed the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: PA

Complaint narrative:
MidFirst Bank foreclosed on my property without the production of any/all original documents. I was denied civilian due process and the trial court judge signed a summary judgement for possession denying my right to a trial and due process of law. Demand for Discovery and Accounting, pursuant to the inherent jurisdiction of equity over trusts and fiduciaries, MidFirst Bank is hereby compelled to produce the required original wet-ink instruments and documents for inspection. 
XXXX. The original wet-ink promissory note/allonge and any endorsements. 
XXXX. The full chain of assignments of any mortgage or deed of trust related to the res. 
XXXX. All securitization Records, including trust, pulling agreements, certificates, and valid assignments. 
XXXX. All credits, payments, insurance proceeds, validation of debt and derivative recoveries applied against the alleged obligation. 
XXXX. Any and all ledger or accounting records, showing balance of obligation after subrogation, insurance, recovery or right 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 2026-01-06 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
It has been over XXXX since I transferred money from my money network account to my external bank account. 
I have not received any funds {$500.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation