vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I am submitting this statement to report ongoing identity theft involving federal student aid that was taken out in my name without my knowledge or authorization. I have already completed and submitted the full fraud packet requested by the school, including the identity theft affidavit and all supporting documentation. Despite this, the fraudulent party is still being allowed to access and use student aid funds under my identity. The disputed Aidvantage/financial aid account has already been deleted from XXXX, confirming that the account is fraudulent and not attributable to me. However, XXXX continues to report the account, even though I have provided all required identity theft documentation and proof that the account is not mine. I am requesting immediate action for the following reasons : I did not authorize or receive any of the student aid funds associated with this account. I submitted the schools fraud packet and identity theft forms exactly as requested, yet the school has continued to allow the fraudulent individual to access and use federal student aid under my name. XXXX has already removed the account, which further supports that the account is fraudulent. XXXX is still reporting the account, causing ongoing harm to my credit, despite the evidence provided. The continued disbursement of funds to someone else under my identity is a violation of federal student aid regulations and identity theft protections. I am requesting the following corrective actions : Immediate investigation and full removal of the fraudulent account from XXXX. Immediate suspension of all financial aid activity under my name until the fraud investigation is complete. Written confirmation that no further funds will be disbursed to any party using my identity. Correction of all inaccurate information previously furnished to any credit bureau. I am attaching documentation showing that XXXX has already deleted the account, along with the fraud packet and identity theft forms I submitted. I am also requesting that this matter be escalated, as the continued misuse of my identity is causing ongoing financial and legal harm. Thank you for your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I'm receiving frequent texts from this debt collector called Sentry Credit since XXXX of 2025, claiming that I owe a debt I don't owe. The debt is allegedly to a company I've never heard of. I've attempted to contact the debt collector multiple times by phone to request written proof of this debt. Multiple times daily, I call during their regular business hours. Every time, the machine says their office is closed. I've tried every number option on their answering service. They all give the same message that the office is closed. I tried to look up the company who I allegedly owe a debt to, and it appears to be an apartment complex in a city I've never lived in. I've also never been to nor heard of the apartment complex. I've never applied for residence there or had any type of contact with them. Again, never lived in that city. The XXXX reviews of the apartment complex ( XXXX XXXX in a city called XXXX XXXX ) allege illegal activity and all manner of code violations. I believe this debt is fraudulent. I have called the debt collector multiple times at these XXXX numbers and have never reached a person. ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
After putting my paycheck on Cash App and making purchases using the card. The next day my account was deactivated saying I violated the term. I've asked the agents and their managers what was the reason. I've had this account for 7 years. I didn't commit any fraud or gambling. The appeal still denied my reactivation. I literally started using the Cash App card to build up the credit for the {$500.00} loan. It stated that after I spent {$500.00} it would let me borrow {$500.00}. They deactivated my account 2 months after using my Cash App card. I've reached out to Cash App through XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Filed bankruptcy and the account with XXXX was paid as agreed and then they sent it to Resurgent when they closed the account. Need to get this shown and flags removed to be able to have a new XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: NJ

Complaint narrative:
I am a PayPal customer and recently received payments for a legitimate business transaction. PayPal placed a limitation on my account and is holding my funds even after I provided the requested information and documentation. The transaction was not fraudulent, and I have cooperated fully with all verification requests. I submitted proof of my business activities, transaction details, and fulfillment information as requested by PayPal. Despite providing the requested documentation, my funds remain unavailable, causing financial hardship and preventing me from accessing money that rightfully belongs to me. I am requesting that PayPal complete its review promptly, release my funds if no fraud found. They can even call the customers that bought from me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am filing this complaint because Citizens Bank has not resolved or provisionally credited a fraudulent debit card transaction from my checking account. On or about XX/XX/year>, I noticed an unauthorized debit card transaction in the amount of {$3200.00} listed as XXXX XXXX. I do not have a XXXX XXXX account, credit card, loan, with XXXX XXXX that would authorize this charge. I reported the transaction to Citizens Bank while it was still pending and was told they could not dispute it until it posted. The transaction later posted and the funds were removed from my account. I immediately reported the fraud to Citizens Bank by phone and was given a claim number. Citizens replaced my debit card, which confirms this was treated as debit card fraud. I later went to a branch for help. I have made repeated attempts to get information, including calling Citizens XXXX customer service number and visiting the branch. The representatives have not provided meaningful information. The branch XXXX stated she had no information about the status of the investigation and would not let me speak directly with the fraud department. Citizens Bank told me they had until XX/XX/year>, which they described as XXXX business days. As of today, the XXXX period has passed, and I still do not have the money back in my account, nor have I received a clear written explanation, provisional credit, or meaningful status update. This has caused significant financial hardship and stress. I am requesting that Citizens Bank immediately provide provisional credit or return the stolen funds, provide a written status of the fraud investigation, explain why no provisional credit has been issued after the XXXX period, and provide direct contact information for someone who can address this claim. Under CFPB information on unauthorized transactions, banks generally have XXXX business days to investigate after notice of an unauthorized transaction. If they need more time, Regulation E allows a longer investigation period only if certain requirements are met, including provisional credi Requested resolution : I want Citizens Bank to immediately return or provisionally credit the full amount of {$3200.00}, provide a written explanation of the claim status, confirm the date the fraud claim was opened, explain why provisional credit was not provided after XXXX business days, and give me a direct contact for escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am seeing inaccurate late payments still appearing on my credit report this morning and I do not understand why this is still happening. These inaccurate late payments were not removed even after I refreshed my browser, which is very frustrating. I urgently request that the documents I have submitted be carefully reviewed so this issue can finally be fully resolved and I do not have to keep worrying about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I was the victim of fraud when I discovered that a Bilt XXXX credit card was opened in my name. I tried numerous times to communicate with them via email with no response. They have several addresses, two in XXXX XXXX XXXX and one in XXXX XXXX CA that I know of. I have not been able to find a phone number. On XX/XX/year> I received my first invoice in the amount of {$95.00} with a due date of XX/XX/year>. Today, XX/XX/year> I received a message from XXXX stating that an account was opened under my name by BILT/CARDLESS/COL at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX I informed XXXX that this is part of the fraudulent Bilt card and they claim to have noted that in my record. I have been enrolled with XXXX and XXXX since XX/XX/year>, the day after the fraud occurred. Have also filed a report with the FTC as well on the same date, report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
ive been having problems with XXXX about my charged off bill from 2025. I do not know whats going on but whenever I received emails from them, not sure if it was even them, but they would offer me payment plans and wanted my debit card information to set up the payment plans if I am not mistaken. It sounded like a foreigner. Then on top of that, I would get calls about my past due bills from them but still sounded like a foreigner. So I started reporting them to the XXXX, I think on XXXX occasions. The president of vp of the company would call me to get things figured out and I told him what was going on. He said they don't do anything like that or it was not them. So anyway, not the turned it over to a collections agency. I was involved in a very bad vehicle accident on XX/XX/XXXX, XXXX and after XXXX XXXX paid for by the VA , I found out I have white matter with XXXX XXXX XXXX XXXX I get XXXX XXXX, I have to get nerve block injections in the back of my head every month, take medication for the XXXX XXXX XXXX and do XXXX XXXX through the VA for all of this. I believe they turned it over to the collections agency last XXXX because that is what it looked like on my credit file.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Citibank XXXX XXXX XXXX CFPB XXXX XXXX, XXXX Citibank XXXX account ( ending in XXXX ) was abruptly and unexpectedly closed by the bank 's automated risk system without any prior notice or explanation. I strongly believe this is a false-positive automated decision error that unfairly penalizes a legitimate consumer. Recently, I conducted legitimate personal transactions using XXXX XXXX while traveling in XXXX XXXX. Around the same time, a legitimate merchant refund/deposit return of approximately {$390.00} was credited back to my account. Because my credit limit is {$200.00}, this legitimate refund resulted in a current negative balance of - {$27.00}, meaning Citibank currently owes me money. It appears that Citibank 's automated system misinterpreted this normal international travel activity, the XXXX XXXX XXXX logins, and the subsequent merchant refund as suspicious high-risk behavior, leading to an immediate automated account shutdown. As a consumer, I am deeply frustrated by this lack of human oversight. I am a well-meaning customer who uses this card strictly for legitimate digital services and personal travel needs. I am ready to cooperate and clarify any transaction history if requested. I respectfully request an executive-level manual review of my account to verify the legitimacy of these activities and reinstate my account. Thank you for your time and assistance in resolving this unfair account closure.

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 2026-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am filing this complaint against Onity Mortgage Corporation, formerly known as PHH Mortgage Corporation, regarding mortgage servicing errors, escrow handling, rejection/mishandling of my payment, and improper late fees after my loan modification was transferred from the prior lender/servicer. I entered into a written loan modification with XXXX XXXX XXXX XXXX XXXX. Under that modification, my principal and interest payment was set at {$1200.00}, with escrow then estimated at approximately {$530.00} {$530.00}, for a total payment of approximately {$1800.00} {$1800.00}. I was making payments under the modified terms. After Onity/PHH took over servicing or control of the account, PHH issued a XX/XX/2026 escrow analysis that increased my payment to {$2100.00} effective XX/XX/2026. The increase was based on a claimed escrow shortage of {$4800.00} spread over 12 months. Then, Onity issued a second escrow analysis dated XX/XX/2026 reducing the payment to {$1900.00} effective XX/XX/2026, while using the same annual tax and insurance figure of {$5700.00}. This shows that the prior increase was at least questionable and requires a full accounting. I mailed a payment check in good faith consistent with the loan modification and/or disputed amount, but Onity rejected XXXX failed to properly credit my check and then began adding late fees. I dispute the rejection of my payment, the late fees, any negative delinquency status, and any negative credit reporting arising from Onitys handling of this transfer and escrow change.

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 2026-06-11 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Re : Complaint Against Mortgage Lender Uninhabitable FHA Property Property : XXXX XXXX XXXX, XXXX, Florida Dear CFPB Representative, I am filing this complaint against my mortgage lender for failing to properly disclose material conditions affecting my property and for engaging in bad faith negotiations following the discovery of those conditions. SUMMARY OF FACTS : I purchased XXXX XXXX XXXX, XXXX, Florida using an FHA loan. Within one week of closing, I received an official notice from the XXXXXXXX XXXX XXXX declaring the property uninhabitable until it is structurally elevated at an estimated cost exceeding {$100000.00}. This municipal restriction also prevents any sale or transfer of the property. This condition was never disclosed during the loan process, and the FHA appraisal failed to identify it, despite it being a pre-existing local government directive. I have made 12 months of full mortgage payments on a property I can not legally occupy. LENDERS RESPONSE : Upon notification, the lender offered two options : deed-in-lieu of foreclosure or short sale. Both are legally impossible due to the municipal restriction on the property. The lender has not offered any meaningful resolution and appears to be attempting to place full financial responsibility on me for a situation that resulted from failures in the loan origination process. Respectfully, XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX Loan/Account Number : XXXX Bank Name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/year> two transactions in the amount of {$6000.00} & {$2300.00} was transferred from my guardian account to my personal account by a representative impersonating himself as my bank while I was on the phone with an additional person posing as a representative from XXXX. They were working together. The XXXX person had me typing in what I thought was cancellation codes per the scammer but were actually money transfers. The US Bank scammer transferred the funds without my knowledge or consent. The funds from my personal account should have immediately been flagged by the bank because there were not enough funds in the account to cover the amounts that the XXXX scammer had me typing in as cancellation codes.

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 2026-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
On XX/XX/year> spoke to someone from suppose.to.be XXXX XXXX saying I owe a debt to lendnation set up payment plan with the lady and sent emails And had also made the payment of XXXX That was withdrawn from one of my credit cards to set up the payment arrangement and something just didn't feel right So I got in touch with lendnation and they have no such information about this person I had talked to And the amount of debt that I owe was not the right amount, the lady had said

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 2026-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ClearBalance Holdings, LLC
State: MO

Complaint narrative:
On XX/XX/2026 spoke to someone from suppose.to.be XXXX XXXX saying I owe a debt to XXXX set up payment plan with the lady and sent emails And had also made the payment of XXXX That was withdrawn from XXXX of my credit cards to set up the payment arrangement and something just didn't feel right So I got in touch with XXXX and they have no such information about this person I had talked to And the amount of debt that I owe was not the right amount, the lady had said

Company response to consumer: Untimely response