vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Additional Error Loan Modification Agreement Handling and Timeline I am disputing the handling of my loan modification agreement due to significant errors in processing and timeline evaluation. The original deadline for the HUD modification agreement was XX/XX/year>. This deadline was later changed to XX/XX/year>. In compliance with the updated deadline, I signed and had the agreement notarized, and mailed it on XX/XX/year>, using the XXXX delivery shipping label provided by your company. Despite my timely execution and use of the provided shipping method, I was later informed that the agreement was received late. Any delay in delivery was due to the shipping carrier and was outside of my control. Additionally, during this same period, your representatives refused to accept my mortgage payments unless I agreed to the modification. This created a situation where I was prevented from making payments while also being penalized for alleged delays in returning the signed agreement. These actions have directly contributed to the current status of my account. - The modification deadline change from XX/XX/XXXX to XX/XX/year> - The date I executed and mailed the agreement ( XX/XX/year> ) - The shipping method and label provided by your company- The date of receipt and internal processing of the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
I am writing to file a complaint against American Education Services ( AES ) regarding the reporting of my student loan account ( Lender : XXXX ) on my credit report. This account had never previously appeared on my credit report at any point. On or around XX/XX/year>, the account suddenly appeared for the first time reporting a 90-day delinquency. Notably, no 30-day or 60-day late payment was ever reported prior to this the account went from completely absent on my credit report to showing a 90-day delinquency overnight with no prior warning or graduated reporting. Upon discovering this on XX/XX/year>, I immediately paid the outstanding balance in full the same day and set up automatic payments to prevent any future issues. The delinquency was the result of an inadvertent oversight I was unaware the account had become delinquent as it had never appeared on my credit report previously. I am requesting that AES remove this late payment notation from my credit report for the following reasons : 1. The account never reported at the 30-day or 60-day delinquency thresholds, jumping directly to 90 days which constitutes inaccurate and incomplete credit reporting 2. Upon discovery I paid the balance in full immediately 3. I have a 98 % on-time payment history across all accounts 4. I have never missed a single mortgage payment in my history as a homeowner 5. I set up automatic payments on XX/XX/year> the same day I discovered the delinquency This sudden and improperly reported delinquency has severely damaged my credit score at a critical time I am currently trying to purchase a primary residence with a closing date of XX/XX/year>. The damage to my credit score as a result of this reporting is jeopardizing my mortgage financing. I am requesting immediate removal of this late payment notation and a review of AES 's reporting practices for this account. The failure to report the 30 and 60 day delinquency marks before reporting a 90-day late payment represents inaccurate and incomplete credit reporting that does not comply with Fair Credit Reporting Act standards. I respectfully request the CFPB 's assistance in resolving this matter as quickly as possible given my XX/XX/year> closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
to whom it may concern iam writing because my credit report has been compromised for a very long time. I see accounts on my credit report from 5 years ago or more then aren't mines at all. I have no knowledge of these accounts and never did and if they were open without my consent. my lawer advised me to dispute these accounts i already files and ftc report now iam making cfpb report because my lawyer advised me to. can someone please help me to remove all accounts on my credit report as soon as possible. i have no had a good credit report in many years due to fraudulent accounts open on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I am requesting validation of an alleged account associated with Comenity Capital Bank, as I have concerns regarding the accuracy and proper verification of this debt. After reviewing my personal financial records, I have not found sufficient documentation that clearly establishes my legal responsibility for this account. I have not been provided with a signed agreement, complete billing statements, or a full payment history that would allow me to verify the origin of the account or how the reported balance was calculated. What raises further concern is that accounts from retail-backed creditors like Comenity Capital Bank are often tied to store-branded credit lines, yet I have not received any documentation identifying the specific original account, merchant relationship, or terms associated with this alleged obligation. Without this information, I can not determine whether this account has been accurately reported or properly attributed to me. Additionally, I am concerned that this account may be the result of inaccurate reporting, mixed file issues, or even a data breach, where my personal information may have been used without authorization, resulting in an account being reported that may not legitimately belong to me. The absence of proper documentation makes it impossible for me to verify the legitimacy of this account. Under 15 U.S.C. 1681s-2 ( b ), Comenity Capital Bank , as a furnisher of information, is required to conduct a thorough and good-faith investigation when a dispute is raised. Under 15 U.S.C. 1681e ( b ), only accurate and verifiable information should be reported. To the extent that this account is being collected or handled by a third party, I am also invoking my rights under 15 U.S.C. 1692g ( b ) to request full validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: NY

Complaint narrative:
I ordered an XXXX ( Order # XXXX ) via Apple Card Monthly Installments. The order was cancelled by Apple, and the status officially shows 'SHIPPING_TO_STORE_REFUND_COMPLETE '. Despite the cancellation, the bank ( Goldman Sachs ) charged me for XXXX months ( $ XXXX ) plus an initial tax of {$200.00}. I contacted the bank via a phone call with XXXX XXXX, and the bank promised a refund within XXXX months, but it was never issued. I am seeking a full refund of all payments made ( ~ {$980.00} ) and the closure of the inactive installment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I just opened up a business, I deposited a large sum of money into my account. I also had to pay bills with this money. So money was going in and coming out. The money came in from another bank from the XXXX. They locked my account and froze everything. I called, they had a statement in the account saying the account was under review and I would have to wait till the review was done. It's been 5 days since the account was locked. I called this morning, they told me the account was closed and any funds in the account would be mailed to me in 30-60 days. No reason was given.

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 2026-04-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint against Citibank , N.A . regarding a billing dispute that was improperly investigated and wrongfully denied in violation of the Fair Credit Billing Act ( FCBA ). I disputed a charge of {$750.00}, part of a {$2200.00} transaction for a ticketed live event ( XXXX XXXX, XX/XX/year> ). The dispute is based on material failure of services and misrepresentation, not non-use. The event materially deviated from what was advertised. A headline XXXX ( XXXX ) did not perform, and the event became significantly disrupted and unusable due to performer misconduct. The service delivered was not the service purchased. Citibank denied the dispute solely on the basis that services were utilized, without evaluating whether services were delivered as agreed. This misapplies the FCBA, which covers services not delivered as agreed or involving failure of consideration. Citibank failed to conduct a reasonable investigation. They did not : Compare advertised vs. delivered services Evaluate the failure of a headline performer Assess event disruption and usability Determine whether the merchant fulfilled its obligations Instead, Citibank issued a conclusory denial and directed me to the merchant. This is improper. Once a dispute is invoked under the FCBA, the creditor must independently investigate and resolve it. This complaint concerns : Failure to conduct a reasonable investigation Misapplication of the FCBA Improper denial of a valid dispute Deflection of statutory responsibility to the merchant

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to formally request a one-time goodwill adjustment to my credit reporting for XXXX and XX/XX/2026. During the XXXX XXXX XXXX XXXX XXXX, I have been managing a significant XXXX XXXX requiring ongoing XXXXpecialist care and diagnostic procedures. This medical situation created a temporary administrative oversight during which I believed a payment deferral or hardship assistance had been secured. While my primary focus was on physical recovery and medical treatment, a formal deferral was not processed, resulting in a reported delinquency. As soon as I became aware of the account status, I took immediate action. In the last seven days, I have made payments totaling {$250.00}, with a total of {$350.00} recently applied to the account. This demonstrates my commitment to my financial obligations and my intent to maintain a positive relationship with Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
I have never attended this college and it it on my record that money has been distributed to this college in my name and shows that I received money when I have never attended this college before.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
failed refunds, low security, not able to get in touch with tech support

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
on XX/XX/2026 i discovered XXXX unautorized transactions on my XXXX account that i did not approve or intend to send. one was in the amount of {$980.00} to XXXX. the other was {$630.00} to XXXX XXXX. i have no connection to either of these accounts. these transactions occured as a result of unathorized access to my account, during which my account was compromised and used with out my consent. while the transactions may appear as though they were iniatiated by me, they were not completed with my knowledge or informed authorization. this situation constitutes account takeover and fraud, not a voluntary payment. i promptly reported the issue to XXXX, however my claim was denied and incorrectly classified as authorized transactions. i am requestion that XXXX conduct a full fraud investigation, including a review of account access, device activity, and transaction patterns, and reclassify these tranfers as unauthorized. i am also requesting reimburement for the funds lost due to the account compromise. additionally, i have been informed that other financial institutions involved in this incident have identified the activity as fradulant and have issued refunds related to this matter. this further supports that these transactions were not legitiment or authorized. i also received communication from the part responsible for the fradualnt activity indicating that the funds would be returned ; however no reimbursement has been received. this demonstrates the deceptive nature of the scheme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
Credence Resource Management is reporting a {$51.00} collection account ( account # XXXX, original creditor : XXXX XXXX ) on all three credit bureaus. I was never properly notified of this debt before it appeared on my credit report. The account was placed in collections in XX/XX/year> and I did not receive written validation within 30 days of first communication as required under the FDCPA. I have since paid the original balance directly to XXXX XXXX and have written confirmation that the account is satisfied. Despite this, Credence continues to report a derogatory collection tradeline. I have contacted Credence multiple times including speaking with their Director of Operations, and they refuse to delete the tradeline. I am requesting deletion of this account from all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am filing a complaint regarding a collection account being reported by TrueAccord related to XXXX XXXX XXXX. I have repeatedly attempted to dispute and request validation of this account over a period of several weeks. Despite multiple communications, TrueAccord has stated they are unable to locate my account unless I provide additional information, while continuing to report this debt on my credit file. This is concerning because the company appears to be reporting a debt they can not properly identify or validate. Additionally, the account has inconsistent reporting dates and appears to have been reassigned from a previous collection agency, raising concerns about inaccurate reporting and possible re-aging of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
Complaint Against Skrill Unauthorized Transactions & Inadequate Security Review I am filing this complaint regarding unauthorized transactions on my Skrill account totaling approximately {$4200.00}. Skrill denied my claim on the basis that the transactions were completed using my correct login credentials. However, I did not authorize these transactions, nor did I knowingly provide my login information to any third party. The use of correct login credentials does not prove authorization. Unauthorized access can occur through compromised passwords, phishing, or other security breaches. Skrill has not provided sufficient evidence that I personally initiated or approved these transactions. Importantly, prior to these unauthorized transactions, I received a restriction/security-related notification from Skrill regarding my account. This indicates that Skrill had already identified potential risk or unusual activity. Despite this, Skrill still allowed the transactions to proceed, which raises serious concerns about the effectiveness of their security controls and risk prevention measures. Additionally, there were clear red flags that should have triggered enhanced security measures, including : Potentially unusual login activity ( device, location, or behavior ) Rapid or high-value transfers Prior account issues, including a restriction placed on my account before these transactions occurred Despite these indicators, Skrill allowed the transactions to proceed and later denied my claim without adequately addressing these security concerns. Unauthorized transactions occurred : Thu, XX/XX/XXXX at XXXX PM {$2000.00} ID XXXX & Thu, XX/XX/XXXX at XXXX PM {$2200.00} ID XXXX The above transactions were not authorized by me and do not reflect my normal account activity. Actions I Took to Resolve This Matter : I reported the unauthorized transactions to Skrill as soon as I became aware of them I fully cooperated with Skrills investigation and provided all requested information and documentation I submitted responses to their questionnaire honestly and to the best of my knowledge I disputed Skrills decision after receiving their denial I took steps to secure my account ( such as changing my password and reviewing account access ) Despite taking these steps promptly and in good faith, Skrill denied my claim without adequately addressing the unauthorized nature of these transactions. I am requesting : 1. A full re-investigation of my case 2. A detailed explanation of how these transactions were deemed authorized 3. A refund of the unauthorized transactions, either full or partial based on findings I believe Skrill failed to provide adequate account protection and did not properly investigate my claim. I am seeking a fair resolution and accountability for these failures. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Total Amount Disputed : {$3400.00} Dates of Incident : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/year> Recipient of Unauthorized Funds : XXXX XXXX and XXXX XXXX XXXX 1. Incident Overview : I am reporting a violation of 12 C.F.R. 1005.11 ( Regulation E ) regarding XXXX unauthorized P2P transfers from my Chime account. These transfers totaled {$3400.00} and consisted of my federal income tax return. 2. Proof of Physical Impossibility : At the time of all transactions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I was physically XXXX at XXXX XXXX XXXX XXXX and did not have access to my mobile device, which had been stolen. I am attaching my official XXXX XXXX XXXX paperwork to this complaint, which confirms I was in XXXX during this entire period. 3. Failure of Investigation : I have submitted XXXX previous disputes with Chime, all of which were denied with the generic response " no error occurred. '' Chime has failed to conduct a reasonable investigation, as they have ignored the physical evidence of my incarceration. A transaction can not be " authorized '' by an account holder who is legally and physically documented as being in XXXX XXXX without electronic access. 4. Formal Demand : I request a full reversal of these unauthorized transfers. Furthermore, I request that Chime/The Bancorp Bank provide the " Evidence File '' used to deny my previous claims, including the IP addresses, device IDs, and location data associated with these transfers, as required by 12 C.F.R. 1005.11 ( d ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I was behind on mortgage payments due to XXXX. When I recovered and started working again my mortgage company said I was {$8000.00} behind and my home was scheduled for foreclosure. I called to get an exact amount owed and was told its over {$12000.00} to reinstate because of fees. I asked about the fees and was told by my mortgage company that the fees were related to the foreclosure process. After paying the full {$12000.00} amount I noticed on my mortgage statement that I owed {$1200.00} in foreclosure fees. I asked my mortgage company t o send me an itemized copy of all fees and other debts paid to bring my loan current. I was told by the Carrington Mortgage agent that they could not tell me what the over {$5000.00} in fees were for. Interest late fees were already included in the {$8000.00} in arrears. This over {$5000.00} in junk fees is outrageous and an attempt to bilk consumers of money. Its pure greed. There is no where in our national with such fees. Please help. Carrington Mortgage is my loan servicer through XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation