vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
I received a written settlement offer from Sequium Asset Solutions , LLC regarding my XXXX XXXX account ( Reference Number : XXXX ). The email, dated [ XX/XX/year> ], stated that I could settle my account for {$300.00}, representing 30 % of the total balance of {$1000.00}. The email did not include any expiration date or deadline. Five days later, I paid {$700.00} to settle the account. I only became aware of the written {$300.00} offer after making the payment. I contacted Sequium Asset Solutions to request a review and refund of the difference. Customer service representatives repeatedly told me that the account was closed and could not assist. When I requested a supervisor, the supervisor confirmed the account was visible in the system but refused to escalate the matter or review the settlement discrepancy. The supervisor disconnected the call while I was still speaking. Additionally, representatives provided inconsistent statements about the expiration of the offer : one representative said the offer had five days remaining, while the supervisor later claimed it had expired in one day. The written email contained no expiration date, making these statements contradictory and misleading. I made multiple attempts to resolve this issue respectfully and professionally, asking for escalation and a review, but was repeatedly refused and hung up on. I did not use abusive language or make threats. I am requesting a refund or adjustment of the difference between the {$700.00} paid and the {$300.00} written settlement offer, as well as a formal review of the handling of this account by Sequium Asset Solutions XXXX or XXXX department. The supporting documents are attached. The company Sequim has record of the several phone calls I made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted Credit Collection Services to resolve an outstanding debt of {$180.00} related to an XXXXXXXX XXXX XXXX policy that had appeared on my credit report since XXXX. My intention was to pay the debt in full and request that the account be removed from my credit report. During the call, the representative informed me that the company could not offer a pay-for-delete option. Instead, she told me I could pay {$190.00} for the company to file a legal dispute with the credit bureaus on my behalf to attempt to have the account removed. I declined this option because I understood that consumers have the right to dispute credit reporting for free. The representative then stated there might be other options available but that I would need to pay {$1.00} so they could pull my credit report through a third-party service to determine what I qualified for. I expressed hesitation but was told this was necessary for them to review my credit report. I agreed and paid the {$1.00}. Immediately after providing my information and completing the transaction, I received a fraud alert from my credit card issuer for the {$1.00} charge. I later discovered that the charge was made to a company called IdentityIQ, a credit monitoring service that I did not request or authorize. After the call, I received an email from XXXX stating that a password reset had been requested for an account associated with my information. I had never previously created an XXXX account and did not request any password reset. I contacted XXXX directly and was informed that my password had in fact been changed. I immediately reset the password to secure the account. It appears that the representative used my personal information to create or access a credit monitoring account with XXXX without clearly disclosing this during the call. I was led to believe the {$1.00} charge was solely for the purpose of pulling my credit report to review options related to the debt. I believe these actions were deceptive and inappropriate. Additionally, after I declined to pay {$190.00} for the dispute service and instead offered to simply pay the {$180.00} debt, the representative became XXXX and stated that I would eventually need to call them back for help. I attempted to contact Credit Collection Services twice afterward to speak with a supervisor about this situation but was informed that no supervisors were available. I am requesting that Credit Collection Services investigate this matter, explain why a credit monitoring account was created or accessed using my personal information without clear authorization, and address the deceptive practices used during this call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: Experian Information Solutions Inc.
State: FL

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 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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including XXXX XXXX dataset that contains the personal information of XXXX of students enrolled in the XXXX XXXX XXXX program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am filing a complaint regarding how American Express handled a dispute for a business credit card transaction totaling {$3000.00} for XXXX XXXX The dispute involved a XXXX XXXX that was booked online under the name XXXX XXXX, but the credit card charge was processed under a different merchant name, XXXX XXXX XXXX. The technician arrived and began work without providing a price estimate. The price was only disclosed after work had already begun and after multiple service visits were required due to installation issues. When the technician completed the work, he refused to leave the premises until payment was made, placing pressure on our staff to sign the invoice and authorize payment so our office operations could continue. In the dispute process, the merchant submitted a statement claiming that the price was disclosed and approved before work began. This statement is inaccurate. The document they provided is a post-service invoice signed only to process payment after the work was completed and under pressure from the technician. It was not a pre-work estimate or agreement to pricing. We provided American Express with documentation explaining the timeline, the lack of a pre-work estimate, and a competitive quote showing the work should have cost approximately {$1300.00}. Despite this evidence and the merchants inconsistent business name, American Express denied the dispute solely because the invoice and credit card receipt were signed. I am requesting that American Express review the dispute again and explain why evidence of misrepresentation and unfair billing practices was not considered. The merchants response contains statements that do not accurately reflect the circumstances under which the work was authorized and payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I need a statement from XX/XX/XXXX to XX/XX/XXXX. I submitted the request more than 1 month ago. Amex refuses to work on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Subject : Incorrect Credit Reporting Due to Servicer Error and System Outage I am filing a complaint regarding inaccurate credit reporting by PennyMac Loan Services related to my mortgage account. I had been successfully enrolled in automatic payments for an extended period of time and had never missed a payment. However, PennyMac removed my autopay due to what their representatives acknowledged was a system error on their end. Because I spend a significant portion of time outside of the United States, I rely on autopay to ensure my mortgage payments are made on time. After the autopay was removed without my knowledge, a payment was missed. PennyMac attempted to contact me by phone, but the call was filtered by a spam blocker and no voicemail message was left. Once I was eventually reached and informed of the issue, I immediately brought the account current. After resolving that issue, I attempted to set up payment again. However, the payment arrangement did not properly process through PennyMacs system. While traveling outside of the country, I made multiple attempts to access the PennyMac website to submit payment manually, but the website was unavailable at the time. I have photo documentation showing the site outage when I attempted to log in and make the payment. Despite these circumstances, PennyMac reported a late payment to the credit bureaus. This reporting is inaccurate and unfair because the delinquency resulted from : A PennyMac system error that removed my autopay Failure of the payment setup process after the issue was corrected A website outage that prevented me from making payment My immediate action to bring the account current once I became aware of the issue I have maintained a responsible payment history and acted in good faith to resolve the issue as soon as possible. Reporting this late payment does not accurately reflect my payment behavior and resulted from servicing failures outside of my control. I am requesting that PennyMac correct the inaccurate reporting by removing the most recent late payment from all credit reporting agencies, including XXXX, XXXX and XXXX Additionally, I request confirmation that my autopay settings are properly restored so this issue does not occur again in the future. I am attaching documentation showing my attempts to access the PennyMac website during the outage as well as evidence that the account was brought current immediately. I respectfully request that this matter be reviewed and corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I've been unable to verify the principal balance, and the second principal balance with the 8 page transaction history that was provided by the lender. There are charges and inconsistencies that are not clear to meXXXX XXXX XXXX XXXX XXXX, Payment Reversals, and more. I've requested additional information that can possibly help with this. The lender has not complied with anything that has been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a notification from cash app saying that some one tried to take XXXX out of my account and declined it so they lock my account temporarily until they investigated so on XX/XX/XXXX they unlocked my account and everything was good. So on XX/XX/year> I received a notification from cash app saying some one login to my account and they said contact them if it wasnt me so I contact them right away and when I was chatting with cash app my funds disappeared. So they let that person take XXXX out of my account. They said different phones was login to my account as I told them I only uses one phone with them and its XXXX XXXX and they saw it on their end they said it was XXXX XXXX XXXX etc the map shows XXXX and XXXX I live in XXXX. I filed a police report cash app gave me two case numbers and I passed it along to the law enforcement. Cash app says it takes 10 days for investigation .. and today I received another notification that some one tried to login to my account. This morning at XXXX cash app do not secure our account. I feel its the cash app workers they selves I just want my funds back I have kids to feed they want let me close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
Car was repossessed on XX/XX/year>. The company said I had 10 days to redeem the vehicle and pay the full amount owed or it would be sold to the auction. I paid the full balance ( {$3700.00} ) on XX/XX/year>. The company said they would release the car to the tow lot and they sent the title to my home address. However the car was picked up for auction transport on XX/XX/year> from the tow lot to XXXX XXXX, Missouri and XXXX is refusing to pay to bring the car back to XXXX XXXX, Missouri. They did not cancel the transport until XXXX on XX/XX/XXXX instead of immediately after I paid. The transport was cancelled XXXX minutes after the car was picked up by transport.

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 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This submission contains supporting documentation for my existing CFPB Complaint ID XXXX filed XX/XX/XXXX against Bank of America for wrongful foreclosure of my property in XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I am submitting this additional filing because I was unable to log into the CFPB portal to add documents to my existing complaint. Please link this submission and all attached documents to Complaint ID XXXX. CRITICAL NEW EVIDENCE DISCOVERED XX/XX/XXXX : I have located XXXX original regulatory letters spanning XXXX through XXXX proving a XXXX year documented record of fighting this fraud : XX/XX/XXXXXX/XX/XXXXComplaint XXXX against XXXX XXXX XXXX XXXX XXXX months of loan origination. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX confirmed in writing to XX/XX/XXXXthat XXXX XXXX XXXX merged into XXXX on XX/XX/XXXX exactly XXXX months before the fabricated Assignment was purportedly signed by the already dead XXXX on XX/XX/XXXX. XX/XX/XXXXXXXX XXXX XXXX sent complete loan file including HUD-1 Settlement Statements. I was actively building foreclosure defense six months before void judgment. XX/XX/XXXXXX/XX/XXXXBank of America, AND XXXX XXXX XXXX. XXXX directed me to XXXX. My XXXX analysis proves XXXX 's account number appears on the fabricated Assignment. XX/XX/XXXX XXXX confirmed my complaint filed XXXX days before Bank of America sold my home XX/XX/XXXX. Complete Fraud Evidence XXXX XXXX XXXX attached. XXXX XXXX XXXX has XXXX submissions on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX late payment for XX/XX/year> on my Ally Financial auto loan account. I have maintained a perfect payment history, and I am in possession of an official letter issued by Ally Financial on XX/XX/XXXX, which explicitly certifies that my account was paid as agreed and there is no record of any late payments. Despite this official documentation from Ally, they continue to report this false delinquency to the credit bureaus. I have previously attempted to resolve this directly with the credit bureaus, but the inaccurate information persists due to Ally 's failure to correct their internal records. I request that Ally Financial 's Executive Resolution department immediately review the attached certification letter, correct their internal reporting system, and instruct all credit bureaus to remove the erroneous late payment mark from my credit file. This inaccurate reporting is causing me significant financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: FL

Complaint narrative:
I've sent this to all Taylor morrison representatives i worked with through closing and they are not explaining where the closing payments towards taxes of XXXX and into the year XXXX went .. the newest lender was never contacted regarding our payments into the account. I have gotten to a point where taylor morrison is pushing it around to several different departments and not giving a real answer. They have offered a check already, however this will not cover what we have already paid for. Additionally since the non ad valorem taxes were pre paid at closing into XXXX, we are paying them again. I have all supporting documents shown to them and they still will not give me the money which is owed to me. This is my last resort, as I have been learning a lot with this whole situation I've been through. It has been a stressful to say the least. " Good evening XXXX XXXX, As I mentioned that check will be short. I've contacted the lender XXXX XXXX, they have nothing to do with this error when it was initially started at closing and taylor morrison funding. At closing an estimated amount of taxes were pre paid for through XXXX ( ad valorem and non ad valorem ) and also until XX/XX/XXXX ( for non-ad valorem only ) see signed closing statement. Which should have been translated into our escrow account with XXXX XXXX but was not. Additionally taxes were removed from our escrow account with XXXX XXXX of {$6200.00}, in which taylor morrison is attempting to issue a check to refund us for. Another point for us to make, every month in XXXX, we are again paying for Non Ad valorem taxes again through XXXXXXXX XXXX throughout XXXX. I would understand paying non ad valorem from XXXX To the end of the year of XXXX, however not paying these again like we have at closing. Our question is, where did the {$3700.00} go towards at closing which were for taxes if they were not applied to our escrow account. Please tell me from reviewing our closing documents if any of the numbers mentioned above are incorrect? I've sent these multiple times throughout this thread, I can send them again if you need them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, My Cash App account was taken over without my authorization. I received a notification that my email and phone number were removed from my account and I was automatically logged out. While I was locked out, {$3500.00} was transferred from my Cash App balance to another account. I did not authorize this transaction and did not provide my login or security code to anyone. Cash App initially told me they were investigating, but later said the transaction was authorized even though I could not access my account at the time until they helped me regain access yesterday. I am requesting a proper fraud investigation and reimbursement for the unauthorized transfer.

Company response to consumer: Closed with explanation