vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
i called the number on XXXX after filing a dispute with them and being declined. When i contacted diversified adjustments they got my information and stated " we do not have an open account '' i said ok then why am i seeing this they said " oh well let me transfer you '' they transferred me to another number. The number i was transferred to then asks for my address i give them a XXXX address, they stated " ok you owe {$700.00} to XXXX '' i let them know that i do not owe anyone {$700.00} she then states " well you just confirmed you lived at that address '' then i explained yes at a XXXX address i owe nothing to XXXX i received a full deposit back and have had no communication. she says " well we spoke to you on the XXXX and emailed and you confirmed its your account '' i got very concerned saying i havent spoken to anyone this is fraud i am concerned she then told me to go online and hung up on me. I called the number back and it was disconnected. all utilities were through the lease which was paid in full and reporting accurate as paid full deposit received nothing is owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Hello, I am filing a complaint regarding PennyMac Loan Services and my repeated attempts to request mortgage assistance due to a recent job loss. My husband contacted PennyMac on XX/XX/year> to request information about forbearance. I personally called three times on XX/XX/year> and spoke with three different representatives, including one named XXXX. During each call, I was told that I do not qualify for forbearance unless I am at least two months behind on my mortgage. This guidance is concerning and appears inconsistent with standard mortgage servicing practices, which allow borrowers experiencing a financial hardship to request assistance prior to becoming delinquent. At no point was my financial situation meaningfully reviewed, and my request was effectively dismissed. I also contacted the loan owner, XXXX XXXX XXXX XXXX, and was directed back to PennyMac as the servicer responsible for handling hardship assistance. I am requesting the following : 1. A formal and documented review of my hardship and eligibility for forbearance or other loss mitigation options. 2. Identification of the investor on my loan and the specific guidelines being applied that all of my requests for assistance have been properly recorded. 3. I am making a good-faith effort to stay current on my mortgage and avoid falling behind. Being told I must first become delinquent in order to receive help places me at unnecessary financial risk. I request prompt review and resolution of this matter. Sincerely, XXXX XXXX Loan # XXXX Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Cell # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Goal Structured Solutions, LLC
State: NJ

Complaint narrative:
This is a more precise explanation of complaint # XXXX. On XX/XX/year>, I received an alert that my credit report was hit with a derogatory debt for a Launch Services, LLC./XXXX. I has called XXXX to find out what this was about. They stated, we told you that we were working with Launch Services to collect a debt. Now as of this point, when XXXX took over the payments, it was understood the were just maintaining my loan for XXXX. I never signed any paperwork for XXXX, they maintained taking payments from me, I even just received that the payment of {$87.00} was just taken on XX/XX/year>, 4 days after Launch Services, LLC. has the debt placed on my credit report for collections. How can it be a collections and a maintained agreement at the same time. I have never signed any document with XXXX, and this Launch Services, LLC. never called, emailed, or sent a letter to notify me of the collection debt, it just simply sent to my credit report, at this point since my XXXX contract was with XXXX and never signed a document releasing the loan to XXXX , I want the debt discharged immediatly and removed from my credit report. I still have servicing with XXXX, so XXXX had no right to bring in a debt collector, especially with a account in good standing. I have done research on them and this is the predatory behavior they exhibit, with my contract never being with them, my contract with XXXX was violated and they XXXX XXXX XXXX. never had a right to place a derogatory statement on my credit report, reuslting in a XXXX point hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I awoke to texts from my bank, SoFi, starting at XXXX ET and I awoke at XXXX and called them at XXXX that same day. The texts flagged that there were some suspicious charges and they blocked some but I needed to call to confirm the other fraudulent charges. I called and walked through with the SoFi agent and we were able to cancel some charges but the agent stated some may still go through and if they did I needed to call back so we could open a dispute and I could get my money back. Three charges did go through, two XXXX charges for {$160.00} each made in XXXX XXXX and a {$500.00} XXXX XXXX card. I called and filed a dispute with SoFi but it was denied due to the following reasons. I am also providing my evidence on why these reasons are invalid and provided this plus evidence to SoFi but it was denied again twice more. " Reason 1 : The transaction ( s ) are consistent with previous activity on the account '' My counter argument is I have never purchased an XXXX XXXX card before. I have purchased from XXXX but only ones located in NC or SC. These charges where made in Arizona which I've never been, " Reason 2 : The card is in your possession and there is no other fraudulent activity on the account around the time of the disputed transaction ( s ). '' My counter, the card was in my possession but SoFi currently has a class action lawsuit against them for a data breach in XXXX and there was other fraudulent activity at the same time as these charges. I provided proof of those charges and they have records of me speaking to the agents highlight those fraudulent charges. " Reason 3 : Your credentials are stored on file with the merchant and used before in other transactions that were not disputed. '' My counter, I have purchased with XXXX and XXXX before but never in Arizona nor an XXXX XXXX card. " Reason 4 : There are frequent authenticated logins and access to view the account activity '' My counter, I never lost access to my card or account so yes I would still be able to see the activity? But as soon as I was notified of the fraud I froze my debit card and called SoFi to report and order a new card and cancel the charges. Despite providing screenshot, records and appealing three times they continue to give me the same reasons for denying my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: National Collection Systems, Inc.
State: CO

Complaint narrative:
In XX/XX/year>, I received a collection notice from National Credit Management ( NCM ) stating I owed {$2900.00} to XXXX XXXX XXXX , plus an additional {$770.00} in fees, for a total of {$3700.00}. The original creditor 's own final account statement, dated XX/XX/year>, clearly shows the balance as {$2900.00} with {$0.00} in interest and {$0.00} in fees. NCM provided no explanation or contractual basis for the additional {$770.00}. On XX/XX/year>, I sent a written dispute and debt validation request via email to NCM 's published email address, as printed on their collection notice. The dispute deadline stated on NCM 's notice was XX/XX/year>, making my XX/XX/XXXX email well within the required window. On XX/XX/year>, I sent a follow-up email to the same address noting I had not received a response to my initial dispute. On XX/XX/year>, I called NCM directly. The representative confirmed that they had in fact received both of my emails. However, they stated that their responses had been sent to an incorrect email address for me one that I never provided to them. When I asked the representative to verify the email address they had on file, it was completely different from my actual email address. I have no record of ever supplying NCM with an incorrect address, and I have no way of knowing how a wrong address ended up in their system. As a result, NCM was receiving my dispute emails successfully, but was directing all responses to an address I never provided and could not access. This left me with no ability to receive or act on any response, through no fault of my own. This is NCM 's internal record-keeping error, not mine. Throughout this entire period, NCM continued collection activity on a debt that included {$770.00} in fees never authorized by the original creditor, while I was actively and in good faith attempting to dispute and resolve the account. I am willing to pay the original principal balance of {$2900.00} in full immediately if NCM agrees in writing to waive the unauthorized {$770.00} fee.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: 2288984 Ontario Inc.
State: AZ

Complaint narrative:
I had a hard credit pull and I havent applied for a loan. Company the loan was applied for is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been trying to close my account with bank of America since XX/XX/year>. I became ill in XX/XX/year> and due to my illness, I am unable to travel. I reached out initially wanting to add my daughter to the account so she could drive to a branch and close the account. I was given instructions and sent papers for us to notarize and send back to accomplish this. After obliging with the request, I was informed a signature was needed however they never stated this or sent the card when they sent the initial papers. Called back in in XXXX spoke with a supervisor named XXXX who instructed to make a 2nd account online and add my daughter as a co-applicant and then could move funds to the joint account and potentially close the account. I did that and in XXXX was informed that the account could be opened dues to a fraud alert. Reached out to corporate and was assigned a XXXX XXXX XXXX representative by the name of XXXX XXXX who insured she could have the account closed and a bank check sent with a tracking number because of the large amount of money. Then she stated I needed to send a notarized letter requesting closure and a bank check with tracking, I did that. Now a new agent has taken over and is telling me the check has to be mailed regular mail. This bank has closed my account ; I have no access to my money and refusing to send me a check with tracking. How is this legal? Keep in mind we are in May, and I have been trying to do this since XXXX. At this point I need to speak with a lawyer to sue because this is ridiculous. I have been a client for 17 years and this is how they treat their clients.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-05 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: FL

Complaint narrative:
I am really need some assistance. I am a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL. I have been a XXXX for almost XXXX years. I have been in public service for that long. I am currently in XXXX. I should have already had my loans forgiven a few years ago but for whatever reason ever since I consolidated my loans they have been messed up. I am sent in complaints, reconsiderations etc .. on XXXX XXXX, XXXX I sent in for a reconsideration due to inaccurate information. From XX/XX/XXXX- XX/XX/XXXX my loans prior to consolidation showed in forbearance/deferment. After consolidation it shows not classified. I get a response back today from my XXXX XXXX, XXXX reconsideration request. It says this : For XX/XX/XXXX to XX/XX/XXXX, we show that there is an error with how this time period is reported. We advise that you contact your loan servicer Mohela regarding this time period. You can call Mohela at XXXX ( XXXX ) XXXX. I have tried reaching out to Mohela numerous times and they will not help me. They said that they are not in charge of XXXX but they are the ones reporting this time period inaccurate. This is almost XXXX years of inaccurate information not being reported and due to this my loans have accrued so much interest and has damage to my credit report. I have called Mohela like I said even called them today and they said sorry can't help me due to they were not my loan servicer at that time XXXX XXXX was. They are no longer in business. I called Department of Education again and they said Mohela is reporting the information wrong they need to fix. Please help

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MN

Complaint narrative:
This is my second formal dispute regarding an account reported on my consumer credit reports I previously disputed this account through the consumer reporting agencies, and despite that, the furnisher/collection agency continues to verify the account as accurate without providing any competent validation of the alleged debt. To date, I have not received any documentation that proves I have a legal obligation to pay this account. The company has failed to provide basic validation such as a signed contract, a complete payment history, or proof of their legal authority to collect this debt. Additionally, the account contains multiple inaccuracies and inconsistencies, including : Reporting a credit limit on a closed account Inconsistencies between the last payment date and delinquency status Incomplete and misleading account details These issues demonstrate that the information being reported is unreliable and unverifiable. Furthermore, by continuing to verify this account through the consumer reporting agencies without conducting a reasonable investigation, the company is violating its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). At the same time, their failure to provide proper validation of the alleged debt raises serious concerns under the Fair Debt Collection Practices Act. Despite being given prior notice and an opportunity to correct these issues, the company has failed to comply with federal law and continues to report inaccurate and unverified information, causing harm to my credit profile and financial opportunities.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XXXX XXXX XXXX unauthorized withdrawals totaling {$9800.00} were made from my Cash App account after my phone was stolen. I did not authorize these transactions. I reported the unauthorized activity to Cash App on XX/XX/year>, immediately after discovering the issue. I also filed a police report documenting the theft of my phone and the resulting unauthorized access to my account. Cash App denied my dispute multiple times, claiming the transactions were authorized. However, they failed to provide any actual evidence to support this determination. The only documentation provided was a list of the transactions, which does not demonstrate authorization. Cash App did not provide IP address logs, device identifiers, login history, or geolocation data. They also failed to meaningfully consider the fact that my phone was stolen and used without my permission. Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ), financial institutions are required to conduct a reasonable investigation of unauthorized electronic fund transfer claims. Cash Apps failure to provide supporting evidence or demonstrate a reasonable investigation indicates noncompliance with these requirements. I am requesting reimbursement of {$9800.00} and production of all documentation relied upon in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Over the past several weeks, I have been unable to access my funds due to repeated declined withdrawal attempts, including wire transfers, ACH transfers, and check issuance. I contacted the bank multiple times and spent many hours on phone calls with XXXX XXXX and XXXX. Despite these efforts, I was not provided with a clear explanation for the issue, nor a consistent timeline for resolution. I was instructed to wait for a review period and follow up later ; I waited over a week, but the issue remained unresolved and all withdrawal methods continued to be declined. I also participated in third-party verification calls with my previous banks to confirm that the accounts used for funding were closed, as requested by the bank. Despite complying with all requests and providing all required information, I still can not access my funds and have not been given clear instructions on how to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reported my account to XXXX as suspected fraud activity, which is a serious allegation that has negatively impacted my ability to access banking services. I formally disputed this information with both XXXX and Bank of America requesting documentation supporting the fraud claim. XXXX responded stating that the information was verified as accurate, however no documentation, investigation report, or evidence of fraud was ever provided. Bank of America has also failed to provide any proof that fraud occurred or that I engaged in fraudulent activity. The use of the term suspected fraud is speculative and does not constitute a verified or factual determination. This reporting is inaccurate, misleading, and damaging.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
on XXXX of XX/XX/XXXX I sent another XXXX XXXX locally in my city {$250.00} to do a song with me we both agreed he never did the song and I have text message documentation showing him stalling me so I reached out to Cash app for a refund because I paid through cash app they denied my refund because they said that they completed a investigation I contacted cash app and requested a copy of the investigation that they did it is going on over two weeks and they still have not sent me a copy of the investigation and I have called them over eight times to request for the paperwork to why they denied my investigation even though I gave them taxes and phone Texas and XXXX XXXX XXXX from me conversing about the money that was owed to me by the XXXX and me and him having a conversation showing clear evidence that he never delivered the product

Company response to consumer: Closed with explanation