vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: SC

Complaint narrative:
I uploaded my PSLF documents on XX/XX/year>. The website states that it should take 3-5 weeks to process. My paperwork has been processing for seven months now. No one from Mohela or federal student aid has contacted me about any issue preventing the paperwork from being processed. I had to be the one to reach out and ask about it. The first person I chatted with, and attached screenshots for the feedback with the federal student aid, said there were no issues with my paperwork and that I could either resubmit the paperwork or wait for it to process. If there were no issues with the paperwork, why would I resubmit it and why is it taking so long to process? No other advice was given, only to do those two options. I submitted the feedback/complaint and was told to log back in, that there was additional information needed on my account. I did that and tried to chat with an additional agent ( transcript attached ). I was then told by this person that the paperwork was unclear and that I needed to resubmit it. If that was the issue, why wasn't that communicated to me months ago? When you don't know the issue, you don't know how to fix it. This is a student loan, so I am more than motivated to get my loans forgiven- meaning I would have taken action months ago- if I had know. I believe this constitutes a Failure to Act in processing my paperwork. I asked for my paperwork to be processed because they have everything they need, and I believe it is clear enough to be processed. However, they are failing to do so. There are already lawsuits about failing to process paperwork and it is clear this is a systemic issue. While I realize it is easiest for the loan companies for the borrower to repay the loans or be trapped in an endless cycle, I am doing my part of PSLF, and expect them to do their part.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I applied for a personal loan on XX/XX/XXXX. On XX/XX/XXXX I got an email stating the loan was funded and it would be in my account within 3 business days. It's now been 7 and nobody is getting back to me with updates. I've had to call multiple times and I'm being told the problem was escalated to a specific team but they are not working on it and nobody can give me an update. I requested proof of dispursment and they could not provide it. I also requested the trace # and they are not providing that either. My bank says there are no failed, cancelled, or pending transactions for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-14 00:00:00
Product: Mortgage — VA 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: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
I am a XXXX veteran and the former owner of XXXX XXXX XXXX XXXX. Following XXXX XXXX, a XXXX XXXX, my home suffered significant flooding and tornado damage that made it unlivable. I immediately notified Pennymac of my situation and worked in good faith with them to complete a short sale to resolve the debt. Despite my total cooperation, Pennymacs administrative negligence directly caused 15 months of delinquency reporting and an eventual foreclosure. During the year-long short sale process, Pennymac switched my designated Point of Contact three times. These constant transitions caused months of silence and unresponsiveness. My realtor and I had multiple ready buyers, but Pennymacs failure to respond to offers in a timely manner caused those sales to collapse and the delinquency to accrue. As a XXXX veteran in a disaster zone, I was entitled to disaster-related protections, yet Pennymac failed to provide a Disaster Forbearance or suspend negative reporting while the property was unlivable. Furthermore, Pennymac engaged in prohibited dual tracking by proceeding with a foreclosure while I was actively participating in their loss mitigation program. I attempted to resolve this directly via their Secure Message Center, but Pennymac issued a summary denial without conducting a meaningful investigation into their servicing errors. I am currently facing homelessness due to the credit damage caused by Pennymacs negligence. I request a full deletion of all 15 late payments and the foreclosure associated with this account, as these marks are a direct result of servicer-caused delays and a failure to follow disaster reporting guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Under FCRA 15 U.S.C 1682 d I am writing to formally dispute inaccurate information that has been reported to you under my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681d. The details of the account in question are as follows : - Creditor : Sunrise Credit Services- Date Opened : XX/XX/XXXX - Balance : {$390.00} - Last Reported : XX/XX/XXXX - Account Number : XXXX I believe the information related to this account is inaccurate for the following reasons : " The alledged XXXX $ balance reported is incorrect, '' upon equipment returned back to XXXX replaced with new account and equipment XX/XX/XXXX Due defect and Technical Difficulties with services & no balance is owed @ moment account is in good standing with XXXX In accordance with the FCRA, I request that you investigate this matter and correct or remove the inaccurate information from my credit report. Enclosed are copies of documents that support my claim, including any supporting documents you are including, such as account statements Please conduct a thorough investigation of the disputed information and inform me of the results within the time frame mandated by the FCRA. I appreciate your attention to this matter. Thank you for your prompt attention to this issue. Sincerely, 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 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I transferred my Traditional IRA from XXXX XXXX to SoFi using XXXX. The transfer executed nicely. After two days at SoFi, I learned that they lacked several. capabilities that I consider essential. They are not a real investment broker -- they just pretend. So, I opened an account at XXXX XXXX and requested a full XXXX transfer which apparently angered SoFi. They immediately froze my account, denied me access, refused to complete the XXXX transfer, and refused to tell me why any of that was happening. They also refused to execute my sell instructions. I called my son to ask for his help. SoFi said I could appointment him as my Power of Attorney if he uploaded the proper documents which he did immediately. They denied the PoA request and, again, refused to say why. Last Thursday, a person named XXXX called me and said they want to keep my account frozen for 62 days. Since then, they have not responded to any of my calls or messages. I'm pretty sure they are discriminating against me because of my age. What can I do to get SoFi to release my money so it can be transferred to a real Investment Broker?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable reporting of multiple charged-off credit card accounts appearing on my credit report. The accounts are being reported with delinquency histories, charge-off statuses, and balances that I believe are not fully accurate or properly verified. I previously disputed these accounts through the credit reporting agencies and requested verification of the reported information, including the full payment history, balance calculation, charge-off details, and documentation supporting the accuracy of the reporting. The accounts were reported back as verified, however I did not receive any actual documentation or meaningful proof supporting the accuracy of the information being reported. The specific information I requested included a full itemized payment history, the original credit agreement, and a detailed explanation of how the reported balances and delinquency timelines were calculated. I was not provided with this information. As a result, I am concerned that the accounts are not being reported in full compliance with the Fair Credit Reporting Act, including accuracy and completeness requirements. I am requesting a full reinvestigation and validation of all reported information. If the companies can not provide complete and verifiable documentation supporting the accuracy of these accounts, I am requesting that the information be corrected or removed from my credit report.

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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
I was the victim of a fraudulent job scam in which an individual posing as an employer instructed me to take out a personal loan as part of what was represented to be a legitimate onboarding and employment process. The loan proceeds were deposited into my personal bank account and, acting under false pretenses and fraudulent representations, I was directed to transfer the funds to the scam company. This transfer was made solely because I was deceived into believing it was required for employment. This was not a legitimate personal borrowing decision for my own use or benefit. The loan was obtained as the direct result of fraudulent inducement and misrepresentation by a scam operation. XXXX XXXX has already reviewed related transactions connected to this scam and dismissed the charges, confirming the fraudulent nature of the scheme. I am requesting that Upstart conduct an immediate fraud review, suspend any collection activity and negative credit reporting while this matter is under investigation, and dismiss the remaining {$2300.00} balance associated with this fraudulent transaction. I am also requesting written confirmation of the investigation and the case number for my records. Supporting documentation, including text messages, chat logs, and evidence of the scam, can be provided upon request. The name of the company that the money was transferred to was XXXX XXXX XXXX, and it was wired to a website gaming company called XXXX on XX/XX/year>. I've enclosed pictures also that include the name of the company who scammed me, their address and phone number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year>, PNC Bank seized {$1500.00} from my individual Spend account ( XXXX ) to satisfy a debt on a joint loan ( XXXX ) that I no longer have access to view or manage. I immediately contacted the bank while the transaction was still in a " Pending '' status to formally dispute the seizure, citing a Lack of Mutuality of Parties, as individual funds can not be legally set off against a joint debt capacity without a specific waiver. Despite this timely notice and a follow-up Certified Letter ( Tracking provided ), the bank allowed the transaction to post. I was assigned to Executive Client Relations Specialist XXXX XXXX ( Case ID XXXX ), who, in a recorded call on XX/XX/year>, formally refused to reverse the funds. The bank is attempting to use a general " Right of Setoff '' clause in a consumer agreement to override the legal requirement of mutuality and has seized my private assets to pay an account I can not verify. I am demanding a full reversal of the {$1500.00} to my individual account and a formal review of these improper collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting a fraudulent account on my credit report. I did not open, authorize, or enter into any agreement related to this account. This account is the result of identity theft. I have filed an Identity Theft Report with the Federal Trade Commission and provided notice that this account is not mine. Additionally, this account was previously removed from my XXXX credit file on XX/XX/year>, but has since been reinserted, which is a violation of the Fair Credit Reporting Act. XXXX XXXX XXXX has failed to ensure the accuracy of the information they are reporting and continues to report this account despite being notified of the fraud. I am requesting : Immediate deletion of this account Proof of verification and documentation bearing my signature Confirmation that this account has been removed from all credit bureaus This inaccurate reporting is negatively impacting my credit and must be corrected immediately. Privacy Act

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 non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Rocket Mortgage requested that I sign a " Dispute Removal Letter '' stating that I no longer dispute a credit account. I am not comfortable signing a document that removes my dispute rights and could negatively affect my consumer rights. I believe requesting this document may be an unfair or deceptive practice, and I am requesting that the CFPB investigate Rocket Mortgage 's conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am filing this complaint regarding a permanent freeze placed on my Home Equity Line of Credit ( HELOC ) by Shellpoint Mortgage Servicing ( Newrez ), which appears inconsistent with the terms of my loan agreement and my current account status. The delinquency cited by the servicer occurred in XXXX during a temporary period of illness and unemployment. Those circumstances have been fully resolved. Since XX/XX/year>, I have brought the account current and maintained several months of on-time payments. Importantly, I had active access to my HELOC as recently as XX/XX/year>, which indicates that my borrowing privileges were not considered permanently revoked at that time. My loan agreement states that credit privileges may be reinstated if the condition causing the restriction no longer exists, upon written request by the borrower. I have submitted multiple written requests for reinstatement consistent with this provision. Despite this, Shellpoint has stated that once a payment becomes 45 days past due, a permanent stop applies with no reinstatement. The servicer has not provided documentation showing where this policy is contained in my loan agreement or how it supersedes the reinstatement provision. My concerns, * Application of a permanent stop policy that conflicts with reinstatement terms in the loan agreement * Failure to provide requested documentation supporting the policy * Failure to conduct or communicate a good-faith review based on current account status and resolved hardship Failure to state the account is frozen due to 45 days late * * Requested Resolution : * * 1. A formal, documented review for reinstatement of HELOC borrowing privileges based on my current standing 2. Written identification of the specific contract provision supporting a permanent freeze after 45 days past due 3. A clear explanation reconciling any such policy with the agreements reinstatement language 4. If reinstatement is denied, a detailed written determination outlining the governing policy and any available appeal process I am prepared to provide documentation including payment history, prior correspondence, and excerpts from my loan agreement. * * Attachments I am looking for : * Loan agreement excerpt showing reinstatement language * Email from servicer stating permanent stop * Payment history showing current status

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
There were XXXX transactions totaling about {$120.00}. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I do not own a XXXX and never give my card information. I did notice my card is missing from my purse. I disputed the transactions and was denied the cashapp closed my account without any details on why. When I requested the information they stated that I violated terms but wont tell me what term was violated. Hence because there wasnt any violations :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was charged a return fee of {$30.00} on XX/XX/year>. I have never had a chargeback fee on this account and due to a bank error. They used jargon like no one can help you with this, you are wasting your time.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: IN

Complaint narrative:
This complaint is against Branch ( XXXX XXXX ) and its issuing bank, XXXX XXXX XXXX XXXX. This is a refile of CFPB Case # XXXX, which was incorrectly routed to XXXX ( XXXXXXXX XXXX XXXX ). That institution confirmed they are not affiliated with my account, and the complaint was closed without resolution. This issue remains unresolved. I am filing a complaint regarding two ATM withdrawal transactions where funds were debited from my account but no cash was dispensed. Details : {$40.00} withdrawal on XX/XX/year> between approximately XXXX and XXXX at XXXX ( XXXX XXXX XXXX XXXX, XXXX, IN ) {$100.00} withdrawal on XX/XX/year> at XXXX at XXXX ( XXXX XXXX XXXX XXXX, XXXX, IN ) In both cases, the ATM printed a receipt stating that cash was dispensed, but no money was actually provided. I remained at the machine and waited, and no cash was ever presented. For the {$100.00} transaction, I remained at the ATM for approximately 20 minutes and recorded video evidence showing the machine making repeated dispensing sounds without releasing any cash, along with abnormal screen behavior. These transactions occurred at two separate XXXX ATMs, indicating a likely machine or network malfunction rather than user error. I filed disputes with Branch ( card provider ), but they denied my claim stating they are not able to assist with ATM malfunctions and instructed me to contact the ATM operator. This response does not comply with Regulation E ( Electronic Fund Transfer Act ), which requires the financial institution to investigate electronic fund transfer errors, including ATM cash dispense errors. This account is provided through Branch and issued by XXXX XXXX XXXX XXXX. These are the responsible parties for investigating and resolving this dispute. I am requesting that Branch and XXXX XXXX XXXX XXXX conduct a proper investigation, including reviewing ATM journal logs and cash balancing records with the ATM operator, and reimburse the missing {$140.00}. Requested resolution : A full refund of the {$140.00} that was debited from my account for cash that was not received. If this complaint is misrouted again, I am requesting manual review and reassignment to the correct institution ( s ), specifically Branch and/or XXXXXXXX XXXX XXXX XXXXXXXX XXXX I have video evidence available and can provide it upon request. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation