vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
CFPB Complaint : Urgent Financial Hardship and Lack of Due Process To the Consumer Financial Protection Bureau, I am filing this complaint because Charles Schwab has frozen my entire financial life for no stated reason and with zero communication, causing catastrophic damage to my household during my first year of marriage and my first month of a new career. The Situation : My account was suspended without an email, a call, or a notification. When I reached out, I was told " fraud was detected, '' yet I have committed no fraud. I am a law-abiding citizen simply trying to pay my bills. To comply with their demands, I drove a significant distance to a physical branch to provide my proof of address in person. I was told the issue would be resolved in 4 business days. That deadline has passed. My account remains frozen. The Impact : The " laziness '' and lack of internal communication at Schwab is destroying my life in real-time : Housing at Risk : My landlord is threatening legal action because I can not access my funds to pay rent. Credit Damage : My credit score is being destroyed as my automated bill payments bounce, undoing years of hard work. Personal Loss : I was forced to cancel a long-awaited vacation, losing money and time with my wife during our first year of marriage. Employment Stress : As a new employee in my first month on the job, I am being forced to spend my work hours desperately trying to reach a human at Schwab who has answers. No one knows anything. No one will help. Requested Resolution : I demand the immediate unfreezing of my assets. I have provided every document requested. Schwabs failure to complete a simple verification in the promised timeframe is a violation of my rights as a consumer and is causing me extreme emotional and financial distress. I am requesting an immediate manual review and a formal explanation for this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened a Zales credit card issued by Comenity Bank and made a purchase on XX/XX/XXXX in the amount of {$2100.00} under a 12-month no interest if paid in full promotional financing offer. During the promotional period I made all required payments on time and kept my account in good standing, with an outstanding balance of approximately {$900.00} at the end of the promotion. When the promotion expired on XX/XX/XXXX, Comenity Bank applied {$690.00} in deferred interest to my account at once, significantly increasing my balance. I contacted customer service to request a goodwill or promotional interest adjustment. During that call I was informed that assistance may only be available if the account becomes delinquent, which would require intentionally missing a payment. I am concerned that being advised to become delinquent in order to qualify for assistance places consumers in a position where they must damage their credit in order to receive help. I am requesting that Comenity Bank review my account and consider a reasonable goodwill adjustment of the deferred interest while allowing me to remain current on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: TX

Complaint narrative:
On XX/XX/year>, I transferred {$84.00} from my PayPal account to my bank account. The bank rejected the transfer because the account was closed and returned the funds to PayPal. My bank statement clearly shows that the funds were returned. However, PayPal continues to state that the bank has the money, and the {$84.00} has not been credited back to my PayPal balance. It has been over 30 days, and I still do not have access to my funds. I have contacted both the bank and PayPal multiple times, and the issue remains unresolved. I am requesting a full ACH trace investigation and immediate return of my {$84.00} to my PayPal account. I would also like written confirmation of the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: NJ

Complaint narrative:
My mortgage is with Roundpoint Mortgage. I completed a mortgage assistance form, and the company sent a letter dated XX/XX/year> saying " Forbearance Plan : You are approved for this workout. A separate approval letter reflecting the terms of the workout is being generated and sent separately from this Evaluation Notice. '' I did not receive the letter and on XX/XX/year> at XXXX XXXX EST I called Roundpoint Mortgage to follow-up on the approval letter. The representative I spoke to stated that the letter was incorrect and that I was denied for the forbearance plan due to my property not being a primary residence. Roundpoint Mortgage had made no effort to notify me that my letter was incorrect, and after receiving my initial letter dated XX/XX/XXXX, I had already planned my finances around this written approval that was later rescinded without proactive notification. The representative also stated they have no other financial support options outside of XXXX XXXX and that an incorrect letter does not qualify me for any one-time exceptions for further support. Thus, I am seeking reinstatement of the approved forbearance plan as a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding my SoFi credit card account. I have autopay enabled on my account to ensure my credit card payments are made on time. However, the autopay did not process for one billing cycle even though it had already been set up and active. As a result, I was charged {$56.00} in interest on XX/XX/year>. As soon as I noticed the charge, I immediately made a manual payment to bring my account current. I then contacted XXXX customer support to report the issue and request a refund of the interest charge since the payment failure was related to the autopay not processing. SoFi opened a support ticket for this matter ( Ticket # XXXX ). Since then, I have followed up multiple times requesting an update. However, it has now been several months and I have not received any resolution, refund, or clear explanation. I have made repeated good-faith efforts to resolve this issue directly with SoFi but have not been able to obtain a response. I am requesting that SoFi review this matter, refund the {$56.00} interest charge from XX/XX/year>, and provide an explanation of why the autopay did not process as expected. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, my vehicle was repossessed. When the tow truck driver arrived, he immediately began yelling repo in front of my home and neighbors. The way the repossession was handled felt aggressive and unprofessional, and it caused embarrassment and distress. I was not given clear information about the process or what steps I needed to take regarding my vehicle after it was taken. I believe the situation could have been handled in a more professional and respectful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XX/XX/XXXX XXXX - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted LexisNexis, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. LexisNexis, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XX/XX/XXXX XXXX - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted LexisNexis, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. LexisNexis, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: ID

Complaint narrative:
I am filing this formal complaint against Tivalli/MG properties for their failure to engage in good-faith debt resolution and for reporting inaccurate information to my credit file following a constructive eviction. During my tenancy at XXXX, I repeatedly documented and reported severe health and safety violations, caused by the pervasive and illegal drug use of neighboring tenants. Despite providing multiple written notices, management failed to take corrective action to restore the unit to a habitable state. Under the principle of constructive eviction, I notified management that the premises were no longer habitable and vacated the property. The management company has since assessed a debt against me which I dispute in its entirety based on their breach of the lease agreement and the implied warranty of habitability. I have made exhaustive attempts to resolve this matter through : Phone calls Emails The creditor has consistently ignored these communications, refusing to provide a validation of the debt or discuss a resolution. Rather than engaging in a resolution process, the company has bypassed communication and moved to negatively impact my credit profile. This appears to be a retaliatory tactic. Reporting a disputed debt as " delinquent '' without acknowledging the dispute or providing requested documentation is a violation of my rights as a consumer. I request that the CFPB intervene to compel MG Properties to : 1. Cease all negative reporting to the credit bureaus while this debt is in active dispute. 2. Provide a full validation and itemized breakdown of the alleged debt. 3. Engage in a formal discussion to resolve the account based on the documented habitability failures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The company credit control center want to collect debt that doesnt belong to me. This account was listed multiple times

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
NATIONAL CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT 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 explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: KY

Complaint narrative:
I discovered a collection account for {$730.00} reported by Advanced Collection Bureau on my credit report in XX/XX/year>2025 related to a prior rental in XXXX, Pennsylvania. I moved out of the apartment due to serious habitability concerns, including a malfunctioning air conditioning system and ongoing criminal activity in the building that I reported to both the apartment management and local authorities. After moving out, I never received any written notice, itemized statement of damages, or explanation of charges from the landlord or property manager. I was not provided documentation showing how the amount of {$730.00} was calculated. Because I never received proper notice or documentation, I disputed the account with XX/XX/XXXX The collection agency verified the debt but did not provide supporting documentation or validation of the alleged obligation. I am requesting that the company provide proper documentation validating the debt, including an itemized statement of charges and proof that notice of the charges was provided after move-out. If the company can not provide this documentation, the collection account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I am disputing the accuracy of a Tower Loan account. I did not visit the branch to open or renew this loan and did not personally authorize or sign any renewal agreement. I have reason to believe the account may have been renewed without my authorization. I was also not served the original lawsuit related to this account and only later became aware that a judgment had been entered. I am requesting verification of the original loan application, any renewal documentation, and the signature authorization used for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I get my social security through chime and I was supposed to get paid two payments and I got my first payment for {$430.00} but they said in the show on chime that there was a direct deposit of a {$820.00} also but the funds never showed up in my checking account and they're giving me nothing but a hassle about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I purchased a item through XXXX. Paid in installments through Affirm Since I've returned item to XXXX. XXXX received item XX/XX/XXXX. And refunded to Affirm XX/XX/year> {$560.00}. I still have not received my refund. I've contacted both XXXX and affirm multiple times. XXXX has confirm to me that they sent the refund XX/XX/XXXX. Also sending a confirmation email saying that the item had been refunded to affirm. I've spoken to affirm multiple times they keep telling me that they have not received my refund. I did a dispute they close it and told me that XXXX will be giving me the refund personally. I call XXXX again they tell me this is not true that they have released the funds to affirm and send me a transaction ID for the money that they sent. I contact affirm again open up another dispute. They just continuously tell me they have not received money from XXXX and they refuse to look up the transaction ID because they say they have no way to do that. And then I will have to wait another XXXX XXXX They have all the proof and all the information they need to know that the refund have been transferred to them. I just want them to do what is right and give my refund back. They're just holding my {$560.00} and making me still make payments to them for the money that they have already received back and not given back to me and have not stopped my loans. And if I don't pay them they will report me to collections.

Company response to consumer: Closed with explanation