vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 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: Central Portfolio Control Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding institutional student loan debt associated with my enrollment at XXXX XXXX University, which has caused significant financial harm and ongoing credit damage. I was enrolled at XXXX XXXX University while the institution was on a probationary status with the U.S. Department of Education. At the time of my enrollment, I was not informed or made aware of this probationary status or any risk associated with the schools accreditation, financial standing, or ability to remain operational. Shortly before I was scheduled to graduate and begin my required clinical hours, the institution abruptly closed. As a result : - I was unable to complete my program. - I could not obtain my degree. - I was unable to transfer my earned credits to any other institution, including schools within New York State such as XXXX. - I effectively lost approximately one and a half years of educational progress. Following the closure, my federal student loans were discharged in full without issue due to the circumstances surrounding the schools closure. However, the institutional loans issued directly by the school were not discharged. These institutional loans have since been sold or transferred to third-party collection agencies and are currently being reported on my credit report as collections. The balance continues to increase over time due to fees and interest. This has significantly impacted my creditworthiness and my ability to obtain housing and financing. I believe this debt is unjust for the following reasons : 1. The school failed to disclose its probationary status and associated risks at the time of enrollment. 2. The institution closed before I could complete my program, rendering the education incomplete and unusable. 3. The credits I earned are not transferable or recognized by other accredited institutions. 4. The federal government has already acknowledged the harm by discharging my federal loans Additionally, I understand that XXXX and its affiliated institutions have faced legal action and findings related to misconduct, including misuse of funds and deceptive practices. I believe my situation is directly impacted by these actions. Additionally, I contacted representatives affiliated with federal student aid ( FAFSA ) to explain my situation. After reviewing the details, they expressed concern and indicated that the circumstances surrounding my institutional loans did not appear appropriate or consistent with standard practices. They also questioned why the institutions probationary status and associated risks were not properly disclosed at the time of my enrollment, and advised me to escalate the matter to the appropriate regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
SoFi is denying me access to a advertised $ XXXX Bitcoin promotion by refusing to accept a valid U.S. Passport for identity verification. Despite their official policy stating passports are accepted, their technical system only allows for a driver 's license or state ID. I requested a manual verification from a Resolution Specialist ( XXXX ) on XX/XX/XXXX, and on XX/XX/XXXX was told to 'try better lighting ' or use a different ID, effectively denying my right to use a federal document to access their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I purchased " XXXX ( Remove Ads ) '' in the app XXXX - Life Simulator through the Google Play Store ( Order # XXXX ) for a total of {$2.00}. At the time of sale, this was explicitly marketed as a " Lifetime '' purchase that included access to ALL future premium content. The developer ( XXXX, XXXX ) has publicly committed to honoring this for all users who purchased before XX/XX/XXXX. Despite this, the developer has revoked my access to numerous expansion packs ( including Zoo, Cult, Investor, Secret Agent, and Landlord expansions ). While they provided a " XXXX XXXX '' code, it is an incomplete restoration that fails to fulfill the original " All Future Content '' promise. I have attempted to resolve this through Google Support ( Case XXXX ). Google is intentionally obstructing a resolution by instructing me to contact the developer via an " official '' support email ( XXXX ) that is defunct. I have provided Google with a screenshot ( dated XX/XX/XXXX ) of an automated response from that address explicitly stating : " We are no longer actively monitoring this email address. '' Despite receiving proof that the developers contact method is non-functionala direct violation of Google Plays Developer Program PoliciesGoogle continues to stall and refuses to issue a refund or enforce the entitlement I paid for. Google is facilitating a bait-and-switch scam by allowing a developer to unilaterally revoke " lifetime '' purchases made on its platform. I am requesting a full refund or a manual override to restore the promised services.

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 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I am a long-time XXXX XXXX loyalty member. Following a service disconnection, there was a communication gap regarding a final balance and equipment returns. XXXX sent a balance of {$790.00} to collections ( Eastern Account System ). I have since acted in good faith and returned all equipment, which XXXX has officially acknowledged and processed. This return reduced the actual balance to {$270.00}. Despite this, the original, inflated amount of {$790.00} is still being reported on my credit profile. Under the Fair Credit Reporting Act ( FCRA ), reported information must be accurate. Since over 65 % of the reported debt was for equipment XXXX now possesses, the current collection entry is inaccurate and misleading. I have attempted to resolve this with finity directly, offering to pay the {$270.00} service balance in full immediately in exchange for a Debt Recall to correct my credit record. XXXX has refused this reasonable request from a loyal customer. I am requesting that finity recall the debt from the collection agency so I can pay the original creditor directly and have this inaccurate, inflated collection entry deleted from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I am reporting a coordinated campaign of identity theft, forgery, and financial retaliation by Global Lending Services, XXXX of XXXX XXXX, XXXX XXXX, and XXXX XXXX. Since XX/XX/2026, these entities have performed 92 unauthorized credit inquiries without my consent, causing my credit score to drop from XXXX to XXXX. They forged my signature on financial documents and illegally seized my vehicle along with all my personal belongings, which they still refuse to return. Furthermore, when I requested information, representatives 'XXXX XXXX and 'XXXX ' from Global Lending Services verbally harassed me, mocked my English skills, and told me to 'Learn English ' before hanging up. This is a clear case of predatory lending, discrimination based on national origin, and retaliation for reporting their illegal actions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint regarding Cash Apps failure to properly investigate and resolve a disputed transaction involving fraudulent and misrepresented services. Funds were used in connection with a transaction for a rental service that included insurance as a required component. The insurance provided was later confirmed to be fraudulent and nonexistent. I obtained confirmation from both the insurance company listed and the State of Alabama that no valid policy existed. Because the insurance was a material part of the service, this constitutes misrepresentation and renders the transaction invalid. I notified Cash App and attempted to dispute the transaction, requesting verification of the legitimacy of the service and the associated insurance coverage. Despite this, Cash App failed to properly investigate or resolve the issue. The transaction should have been treated as unauthorized due to misrepresentation, or as services not rendered, yet it was not handled under the correct classification. Additionally, the use of fraudulent insurance documentation could have exposed me to legal and financial risk. I am requesting that this matter be properly investigated, that the transaction be reversed, and that Cash App confirm compliance with applicable federal requirements for dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable credit reporting by my federal student loan servicer, Central Research , Inc. ( CRI ). CRI reported a serious delinquency ( XXXX XXXX past due ) to the credit bureaus without my receiving proper written notice prior to adverse reporting. I have requested documentation of : The date any delinquency notice was sent The address used The method of delivery ( mail or electronic ) Proof of any consent to electronic delivery To date, no such documentation has been provided. I disputed this information with the credit bureaus, including XXXX, XXXX, and XXXX. In each case, the account was verified by the furnisher, yet no meaningful explanation or documentation was provided. I also requested the method of verification from the credit bureaus. However, I did not receive a compliant response identifying the documents reviewed, the method of verification, or how the delinquency and notice requirements were substantiated. Additionally, the same XXXX delinquency has been reported inconsistently across credit bureaus ( e.g., XXXX XXXX vs. XXXX XXXX past due ), which raises further concerns about the accuracy and reliability of the reporting. The account now includes multiple dispute resolved subscriber disagrees notations, indicating repeated verification without substantiation. Given the lack of documentation, inconsistent reporting, and failure to properly validate the delinquency, I believe the information being reported is inaccurate and/or unverifiable. I am requesting that CRI : Provide full written validation of the delinquency, including proof of proper notice and delivery ; or Correct or remove the inaccurate delinquency from all credit reporting agencies. I am also requesting that the credit bureaus ensure compliance with their obligations under the Fair Credit Reporting Act to conduct a reasonable investigation and provide the method of verification upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I filed a complaint against United Auto Credit Corporation ( UACC ) because they are reporting inaccurate and inconsistent data across the XXXX major credit bureaus for my XXXX XXXX XXXX account. XXXX shows the account as Open and As Agreed while XXXX and XXXX report it as a Collection/Charge Off with a balance of {$11000.00}. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ), which requires furnishers to provide accurate information. Furthermore, UACC has failed to provide evidence of proper authorization to report this data to my credit profile as required by 15 U.S.C. 1681b.In the response from UACC dated XX/XX/XXXX, the company admitted that discrepancies or delays exist in how this information is displayed. Although they claim the account was charged off on XX/XX/XXXX, they have allowed conflicting information to remain on my credit profile for over a year. They attempted to blame the credit bureaus for processing cycles rather than taking responsibility for failing to sync the data they provide. Under 15 U.S.C. 1681i, once a dispute is raised, the furnisher must conduct a reasonable investigation and correct any inaccuracies, which they have failed to do for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I am filing a complaint regarding how my credit card dispute was handled. I disputed a {$1200.00} charge related to a vehicle purchase that I cancelled before taking possession of the vehicle. The dealership acknowledged my cancellation in writing and agreed to refund my down payment, stating it would be processed next week. I never received the vehicle, financing was not completed, and I cancelled the associated insurance policy. Despite this, my dispute was denied without proper consideration of the evidence. I provided proof showing : I cancelled the transaction The merchant agreed to a refund The vehicle was never delivered I am requesting that this dispute be reopened and properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I paid off my XXXX XXXX credit card on XX/XX/year>. I called them to request a decrease in their XXXX XXXX XXXX and no monthly fee since I paid off the account. I can't close them because it will affect my credit score. They disapproved both requests. So, I have to pay a monthly fee for something im no longer using, which shouldn't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
This is not a duplicate complaint against XXXX XXXX, this has updated information regarding have no other drivers license besides in the state of XXXX. And screenshots showing this is the only consumer finance protection board account CFPB, I have ever used, assuming this is not spoofed and still under the XXXX XXXX XXXX XXXX XXXXXXXX email address I XXXX XXXX social security ending XXXX, XXXX XXXX, have no other CFPB account. I have never been married, no civil union, sterile no progeny, and no lawyer, paralegal, intern, anyone is working on my behalf in the XXXX, but in XXXX and XXXX. I have no financial access. XXXX XXXX gave a loan to my knowledge for XXXX {$000.00}, XXXX XXXX dollars that they should never have given and were even sued for. Supposedly a lawyer named XXXX XXXX was involved in litigation in pursuing a class action lawsuit. XXXX. XXXX. I XXXX XXXX, social security ending XXXX, XXXX XXXX, was never informed how much was actually taken out and never actually refunded. I am temporarily unhoused due to this id theft and fraud, and staying in my vehicle by a friend of a families church friends ' house in XXXX XXXX XXXX. I am not in any hotels at this time. I am not in any military, law enforcement, healthcare, education jobs at this time due to flat feet, XXXX, and XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. Inactive modal What would be a fair resolution to this issue? I XXXX XXXX social security ending XXXX, XXXX XXXX want all of my money, from every private loan company that XXXX XXXX used to get money, back. A photo of my fingerprints is already on file with the CFPB in my XXXX complaint. I also need to press federal charges against whoever did this and I know it wasn't my family but possibly a corrupt law enforcement group outside of XXXX or XXXX XXXX something or other since the person who posed as a lawyer was XXXX XXXX. I am attaching a copy of the CFPB XXXX I have registered along with all the current complaints I have, this is not a duplicate complaint, I have no other CFPB account. I am also attaching copies of myself, my side profile ( face ) and my XXXX driver 's license, XXXX use passports, XXXX passport, and drivers license. And attaching copies of the XXXX attorney general complaint form I filed in person in XXXX XXXX. Also attached is all of the financial cards and financial accounts stolen from me which I do not have access to. ( From original updated complaint ).

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, my cashapp Account : XXXX XXXXXXXX was deactivated/closed for suspected gambling without any specific evidence provided. I do not use this app for gambling. All transactions were personal [ payments/transfers ]. '' I contacted Cash App Support on XXXX XXXX and was told the decision was permanent without being given the opportunity to provide proof of my legitimate transactions. I even contacted them as late as today XXXX XXXX. I use my account generally to pay my friends and family when they favors/errands for me. I repay them here on cashapp. # XXXX. My activity consists of mostly friends and family I pay or receive money from. Some of the transactions that consisted of higher numbers of money were my clients as I have an online XXXX XXXX. I would sometimes send these payments as XXXX to my XXXX XXXX wallet so I can use it to trade stock. My XXXX handle is XXXX XXXXXXXX for proof I have a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
This loan company is calling my workplace and they have been told not too be calling the work place

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CRESCO CAPITAL INC.
State: NC

Complaint narrative:
I got a semi from them and motor lock up the first XXXX days cesco capital and XXXX XXXX a XXXX i got from XXXX XXXX had a major oil leak and only had XXXX weeks turn them both back in and never gave my money back and the said they would and put on my credit.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I am selling my home and in the process the escrow company contacted Rocket Mortgage for a payoff quote. Rocket Mortgage offers XXXX options for receiving a payoff statements : Email, Fax, and mail. Rocket Mortgage calls email and fax " expedited services '' and they charge {$25.00} to send out the notice within XXXX hours. They say the free mail notice takes XXXX business days. Additionally, when they mail out the notice, a PDF copy of the letter is uploaded to your online account. This online notice would therefore arrive XXXX days before the mailed letter arrives. Presumably, the online notice would be available within XXXX days of request. But Rocket Mortgage does not state this, they only highlight the " XXXX days ''. So, when my title officer requested the payoff statement, they selected email delivery and I was charged a {$25.00} fee each time. I contacted Rocket Mortgage who refused to budge on waiving the fees. My title officer is not willing to budge on the fees. I am emailed a stack of documents to electronically sign and given no I am the person paying fees that I was not notified of, I had no time pressure that required the payoff statement to be received within XXXX days, and I have no recourse on these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
This is a continuation of CPFB complaint # XXXX regarding a {$1100.00} dispute that was improperly denied via an internal charge dispute with Goldman Sachs XXXX XX/XX/XXXX. I am resubmitting this complaint with additional documentation that was not previously included. This transaction was a retail purchase of a XXXX XXXX puppy from a business operating as XXXX XXXX XXXX. Key Facts of my case : - A signed purchase order/invoice confirms the purchase of a puppy for {$1100.00} - The merchant confirmed payment and scheduled delivery for XX/XX/XXXX. - The puppy was never delivered. - No shipping confirmation or proof of fulfillment was ever provided. - The merchant ceased all communication after receiving payment. - The listed phone number does not work. Additionally, I am including a XXXX XXXX XXXX report documenting identical scam activity by the same business, including the same contact information and pattern of behavior. Goldman Sachs previously denied this dispute based on the conclusion that XXXX fulfilled the transaction. This is incorrect. XXXX was only the payment processor. The merchant failed to deliver the purchased goods. The bank is incorrectly evaluating whether funds were transferred rather than whether goods were delivered, which is the core requirement under the Fair Credit Billing Act. This dispute clearly qualifies as " goods/services not received. '' I am requesting : - A proper re-investigation under the correct classification. - Documentation of how the prior investigation complied with FCBA requirements. - Reversal of the charge due to merchant non-delivery. This matter has been ongoing for nearly a year and has not been properly evaluated. I am requesting regulatory review and resolution.

Company response to consumer: Closed with explanation