vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I was informed that I would receive a loan modification so long as I made a down payment. I made this down payment which was received by Shellpoint on XX/XX/year>. However, now, XXXX XXXX  later, I never received the terms of the loan modification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Sometime in late XXXX, my account was restricted. I could not use my account to pay vendors. When I inquired with the company, they said it was because my account was linked with another account tha has issues. When they gave me the email of the other account, I confirmed with them that it is not my email and it should not be associated with my account. They refuse to lift the limitation until the other account resolves their issue but it is not my issue. In the meantime, they will not let me close the account or remove my banking information from the platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
Document XXXX : Master Notice of Non-Compliance To : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX ) CC : XXXX XXXX, XXXX. ( Counsel for TransUnion ) Date : XX/XX/XXXX RE : RESPONSE TO FRIVOLOUS LEGAL CLAIMS/ LOAN ID : XXXX To the Compliance Department : I am in receipt of your correspondence dated XX/XX/XXXX. Your assertion that dental financing is not " medical debt '' under California XXXX XXXX is a bad-faith misinterpretation of the law. 
XXXX XXXX XXXX : Under CA Civil Code 1785.27, medical debt is defined as debt " arising from health care services. '' XXXX XXXX is a health care service. Your attempt to re-characterize this as a " consumer installment loan '' to bypass the reporting ban is a deceptive practice. 
Holder Rule Liability : Your claim that you " do not participate in the delivery of services '' is precisely why the FTC Holder Rule ( 16 C.F.R. 433 ) existsto ensure the lender bears the risk of the merchant 's defective performance.

FCBA Violation : You are currently in violation of 15 U.S.C. 1666a by threatening to report a debt that is subject to an active, unresolved billing error dispute.

Final Warning : Any reporting of this void and disputed medical debt to Equifax, Experian, or TransUnion will be treated as a willful violation of the FCRA and SB 1061. 
Sincerely, XXXX XXXX Document 2 : Consolidated Dispute ( For CFPB, Equifax, Experian, and TransUnion ) Subject : FORMAL DISPUTE OF VOID MEDICAL DEBT & FCBA VIOLATION Consumer : XXXX XXXX | Loan ID : XXXX Furnisher : Cherry Technologies/ Lead Bank To the Credit Reporting Agency and CFPB : I am filing this formal dispute and complaint against the above-named furnisher and the Credit Reporting Agencies for the continued reporting of a void and disputed medical debt.

1. Violation of California SB 1061 : I am a California resident. The debt in question is for dental services XXXX XXXX XXXX XXXX ). Under California Civil Code 1785.27, this medical debt is prohibited from appearing on my credit report. Furthermore, because Cherry Technologies furnished this information in violation of the reporting ban, the debt is now void and unenforceable per Section 1785.27 ( d ).

2. Violation of the Fair Credit Billing Act ( FCBA ) : This account has been in a formal billing error dispute since XX/XX/XXXX. Under 15 U.S.C. 1666a, neither the furnisher nor the bureau may report the account as delinquent while the dispute is pending. Cherry Technologies has admitted in writing that they intend to ignore this federal mandate.

3. FTC Holder Rule Defense : The services provided by XXXX XXXX XXXX were defective. Pursuant to 16 C.F.R. 433, I have a legal defense to payment that is valid against the holder. Reporting a balance on a debt where a legal defense to payment exists is a violation of the FCRAs " Maximum Possible Accuracy '' requirement. 
Requested Resolution :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

The details of the fraudulent account are as follows : Creditor Name XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened Transunion XX/XX/year> and Equifax XX/XX/year> Amount : {$1300.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary.

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Additional issues were in establishing myself as a customer, including another two-week delay in receiving a new debit card due to communication issues and a lack of transparency. Every time I called to get a status update on my debit card ( their XXXX XXXX only provides very generalized information ), I would get conflicting information and a resolution that only resulted in more delays or additional steps. I received a card that did not match the debit card in my app, which now results in having to get ANOTHER card in the mail ( 7-10 business days ), and the card that was promised to be expedited is now not even an option after all. I don't comprehend how I can be given wrong information at EVERY STEP of establishing myself as a customer with SoFi. Ultimately, I am in the process of closing this account ; I am not only disappointed by the overall process of my attempts to be a SoFi customer, but I am also completely baffled by how this financial institution does business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 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: NY

Complaint narrative:
On XX/XX/year> I received an email from Mohela that 1/2 of my remaining student loans had been forgiven due to my PSLF through FSA. I was instructed from Federal Student Aid to check with Mohela if I had overpaid those specific loans, as I was eligible for a refund for overpaying if so. I logged on to Mohela and found out that one loan I overpaid by {$770.00} and the other I overpaid by {$720.00}. Online on Mohela 's website it says a refund check would be mailed automatically, but since I had not received anything, I called this morning. After speaking with 3 different people at Mohela, the final woman I spoke with told me that because I have two other loans with Mohela with balances, I can not get my overpayment money back and that it will be automatically applied to my other two loans that still remain ( even though they are also on PSLF and only have a few more months to pay on ). I'm still in disbelief that this is really policy. It's MY money that I overpaid and therefore should be refunded to me, per the website and what FSA has told me. We are talking about {$1500.00} here, not a small amount. The purpose of my email is that someone in administration at Mohela can confirm that this is correct, even despite from what I am reading/ hearing from FSA representatives. Please advise.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC is collecting on a {$940.00} debt allegedly from XXXX XXXX Bank I never had. They have not provided any validation of this debt, yet they continue reporting it to credit bureaus, damaging my credit score as I seek business financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My physical credit card was stolen. Within XXXX XXXX, XXXX days, XXXX unauthorized transactions occurred at multiple unrelated merchants, totaling approximately {$1100.00}. These transactions took place in a city where I was not present. I did not authorize any of these charges and did not authorize anyone to use my card or my PIN. 

I contacted Bank of America and filed a fraud claim. The claim was denied based on the use of chip, PIN, and/or signature. During the initial review, the fact that my physical card had been stolen was not recorded. 

I later contacted Bank of America again to explain that my card was stolen and requested that the claim be reopened for review with this information included. I was told the claim would be reopened. However, more than XXXX XXXX  has passed and there is no record of a reopened claim, no written confirmation, and no status update provided. 

I am requesting a proper and timely review of my fraud claim, reversal of the unauthorized charges, and restoration of any provisional credit.

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 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I bank with Bank of America, XXXX  acount name : XXXX XXXX XXXX My name is XXXX XXXX XXXX My account number is XXXX Routing number : XXXX Claim ID # XXXX Claim ID # XXXX I am submitting this complaint regarding Bank of Americas handling of my fraud dispute involving unauthorized transactions made through XXXX XXXX 

On XX/XX/XXXX, I lost my personal mobile phone at a local shopping mall. At the time, my XXXX XXXX account was logged in on that device. I did not authorize anyone to access my phone, XXXX XXXX account, or my linked Bank of America account. 

After I no longer had possession or control of the device, unauthorized transactions were initiated through XXXX XXXX without my knowledge or consent. These transactions were not performed by me and were the result of unauthorized access/account takeover. 

I reported the incident and filed a police report with the Sheriffs Department. The assigned police report case number is XXXX XXXX. I later contacted Bank of America regarding the fraudulent transactions and filed disputes. 

Bank of America denied the disputes, stating the transactions appeared to be authorized or made by someone I know. The claims were closed without requesting or reviewing my police report or supporting documentation. 

After the denial, I was informed that I could reopen the disputes by submitting the police report and a written statement, which I have prepared and provided. I am requesting that Bank of America conduct a proper manual review of my documentation and reconsider the denied disputes under unauthorized access and fraud guidelines. 

XX/XX/XXXX Best regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: VI

Complaint narrative:
I am a federal student loan borrower currently serviced by Nelnet and a covered Post-Class Applicant under the XXXX v. XXXX settlement agreement. 

Borrower Defense Application Number : XXXX The Department of Education issued written notice dated XX/XX/XXXX confirming that I am a Post-Class Applicant because I filed my XXXX XXXX application between XX/XX/XXXX and XX/XX/XXXX. 

That notice states the Department was required to issue a decision on my XXXX XXXX application no later than XX/XX/XXXX. The notice further states that if no decision is issued by that deadline, I am entitled to an automatic discharge of the federal student loans associated with my XXXX XXXX application and deletion of the related credit tradeline from my credit report. 

As of today, no decision has been issued by the Department by the XX/XX/XXXX deadline, yet Nelnet continues to show these loans as active with an outstanding balance and has not implemented the required settlement discharge relief. 

I have not made any payments on these loans ; therefore, the relief owed is discharge and credit correction. 

I am requesting that Nelnet immediately coordinate with the Department of Education to : Apply the required XXXX XXXX XXXXXXXX settlement discharge Ensure no billing or collection activity occurs Correct all credit reporting by deleting the tradeline Provide written confirmation that discharge processing is underway I am attaching the Departments official Sweet settlement Post-Class notice letter and current account documentation. 

Attachments XXXX XXXX Notice ( XX/XX/XXXX ) Nelnet screenshot showing balance + Admin Forbearance XXXX  screenshot showing Dept of Ed/Nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I ask them to mail me the requested debt or whatever I owed and to stop contacting me!! And they wont they harassing me daily when THIS DEBT ISNT REAL NOR IS IG REALLY OWED TO THEM!! I need compensation for this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: MO

Complaint narrative:
XX/XX/2024 I had an incident where I had to be taking to the hospital but I have XXXX XXXX XXXXXXXX which should had cover all hospital cost but there saying I owe them a total of {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Account was hacked some time ago, I have requested to close it many times to no avail. They are asking me to provide proof of a debit card that does not belong to me in order to delete my account. I have personal details such as my ssn and previous address and feel uncomfortable that someone may have access to this. There are also two addresses I've never lived at or resided added to the account. I have attached them below, the address circled in red belongs to me, the others are from states I have never lived in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit 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: Scratch Financial, Inc.
State: TX

Complaint narrative:
Company : Scratchpay Also mention : XXXX ( issuing bank ) Product : Personal loan / medical financing Issue : Problem with a loan / dispute not handled properly CFPB Complaint Loan Authorized Under Merchant Misrepresentation I am submitting this complaint regarding Scratchpay and its issuing bank, XXXX, related to a veterinary financing loan obtained under false pretenses. 
On XX/XX/year>, I obtained a Scratchpay loan totaling approximately {$4100.00} to cover emergency veterinary services from XXXX XXXX XXXX XXXX. I authorized the loan only because I was informed that my dog was seriously ill and required immediate emergency treatment. 
Subsequent veterinary evaluation and medical records from an independent provider confirmed that my dog did not have the condition represented and that no emergency existed. The loan was therefore authorized based on false and misleading medical representations by the merchant. 
I notified Scratchpay of this misrepresentation and formally disputed the loan. Scratchpay has declined to meaningfully investigate the merchants conduct and has stated that only the clinic can issue a refund, effectively leaving me responsible for debt induced by deception. 

This raises concerns regarding : Failure to investigate merchant misrepresentation Unfair allocation of liability to the consumer Inadequate dispute resolution practice I am requesting CFPB assistance to require Scratchpay/WebBank to : Conduct a proper investigation into the merchants misrepresentation Suspend interest, fees, and negative credit reporting during review Provide appropriate relief for a loan obtained under false pretenses I can provide invoices, veterinary records, and written correspondence upon request.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I requested a XXXX payment to be sent out on Saturday, XXXX XXXX at XXXX pm for {$4000.00}. However, the transaction was denied and I was directed to speak to the fraud department. After being redirected to a supervisor I was informed that no XXXX payment. had been approved and that even if I could send out a XXXX payment the highest value could be {$2000.00} until the following week. The phone conversation ended with no XXXX being able to be processed. I sent this payment out by other means not related to my XXXX account. For some reason a day later, as confirmed by the information I gathered from various Chase departments, the XXXX payment for {$4000.00} was processed and sent out after I was assured this was not possible. I wrote the chase executive office and spoke to them on the phone at XXXX XXXX   on XXXX XXXX, " a recorded line '', and they informed that they had no access to the phone recordings from that day when I spoke to the fraud department, electronic money processing team, and other supervisors. My PDF attachment describes timeline of events with names of employees and supervisors involved.

Company response to consumer: Closed with explanation