vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I attempted making a transaction using PayPal checkout and selected credit card to make that transaction. the credit card transaction was denied, and PayPal instead directly took the money from my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/year> I was made aware of activity on a Robinhood account. I did not open the account nor did I authorize the account to be opened using any of my information. I have contacted Robinhood and they put the account under review but are asking me to upload information to verify my identity which I can not do because I did not create the account therefore, I do not have the information to log into and upload identifying documents being asked of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XX/XX/year>, certified mail was sent to Midland Credit Management to provide the following documents. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 623 ( a ) ( 8 ), and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are required to conduct a reasonable investigation and provide proper validation of the alleged debt. Accordingly, you are hereby directed to provide : 1. Competent evidence that you are the lawful owner of this specific account, including a complete chain of titles from the original creditor to your company. 2. A copy of the original signed agreement or contract bearing my signature. 3. A complete payment history and accounting of the amount claimed, including interest, fees, and the date of first delinquency. 4. Documentation demonstrating your authority to report this account to consumer reporting agencies. 5. Verification that your reporting complies fully with all federal and state laws. As of today, I have not received anything, and they continue to make phone calls. By law, this account should be removed from my credit report, but it has not been. All credit bureaus have sent updated reports stating that the account is accurate, but they have not provided any of the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My mortgage servicer, Onity ( formerly XXXX XXXX ), has made significant errors in handling my escrow account and has failed to provide adequate explanation or correction despite multiple requests. On XXXX XXXX XXXX, the servicer made two tax disbursements from my escrow account in the amounts of {$7100.00} and {$4000.00}, totaling {$11000.00}. These amounts are far in excess of my actual annual property tax obligation, which is {$1900.00} due to a valid tax abatement. Because these disbursements exceeded my escrow balance, the servicer required me to contribute {$5800.00} to fund the escrow shortage. On XXXX XXXX XXXX, I contacted the servicer to dispute these payments and requested documentation showing the tax bills and payees. I was instructed to contact their tax department via email, which I did, but I did not receive a substantive response. Subsequently, a partial refund of {$7100.00} was posted to my escrow account. However, the servicer has still not provided : Documentation showing what tax bills were paid, the recipient ( s ) of the payments, an explanation for the remaining {$4000.00} disbursement, and a reconciliation of my escrow account. Despite multiple follow-up messages including providing my actual tax bills and assessment documentation, I have not received a clear or complete response. In early XXXX XXXX, I received an escrow analysis statement that incorrectly lists my annual property taxes as {$12000.00}, which is materially inaccurate. The statement also shows a negative escrow balance and increases my monthly mortgage payment accordingly. The prior refund of {$7100.00} does not appear to be properly reflected in this analysis. As a result of these errors, I believe approximately {$10000.00} of my funds have been mishandled or are unaccounted for. I am requesting that the servicer : Provide a complete escrow account history for the past 12 months. Provide documentation of all tax payments made, including dates, amounts, and payees. Correct my escrow analysis to reflect my actual annual tax obligation. Properly account for the refunded amount and reconcile my escrow balance. Reverse any improper escrow shortage charges and adjust my monthly payment accordingly. If the servicer believes the higher tax amount is correct, they must provide documentation supporting that determination. The servicers failure to provide accurate accounting and timely responses has caused financial harm and significant frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported on my credit file by Equifax. After reviewing my credit report, I identified several accounts that do not belong to me and were never authorized by me. These accounts are : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX I do not recognize any of these accounts, I did not apply for them, and I did not provide authorization for them to be opened or reported under my name. I previously disputed these items with Equifax , requesting proper verification. However, the accounts continue to be reported without any documentation or evidence proving that they belong to me. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, Equifax is required to conduct a reasonable investigation and ensure the accuracy of the information reported. Simply stating that the accounts were verified without providing actual proof is not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I went to XXXX XXXX XXXX for a facial that was advertised on XXXX for {$60.00}. During the appointment, I was subjected to high-pressure sales tactics and was persuaded to purchase a much more expensive service along with a {$5000.00} beauty package. I was told that the promotion was only available for the month of XXXX and that I was just in time, which created urgency and pressure to make an immediate decision. I was informed that the beauty package cost {$5000.00} and was encouraged to make an upfront payment of {$800.00}. As a result of this pressure and the way the offer was presented, I agreed and was charged a total of {$1000.00} on my Visa debit card through Cash App. After leaving the appointment, I felt uncomfortable with how the transaction occurred and, after researching the business, I found numerous reviews and complaints from other customers describing similar experiences involving pressure sales tactics and misleading pricing. I immediately lost trust in the transaction and contacted the merchant to cancel. I was told there were no refunds and have not received any further response. I filed a dispute with Cash App on XX/XX/year>. I have since been informed that the merchant has not responded or provided any documentation. Despite this, the dispute has now been open for over 60 days with no resolution and no clear timeline. I am requesting a full refund of the {$1000.00} transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Credit Collection Services. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Credit Collection Services owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Credit Collection Services to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
URGENT : Systemic FCRA/FDCPA Violations & Willful Deceptive Practices I am filing this formal complaint against Ally Financial, for a pattern of willful non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Violation 1 : Fraudulent Misrepresentation of Creditor Identity ( 15 U.S.C. 1681s-2 ) The furnisher is willfully reporting false data by listing themselves as the " Original Creditor " on my credit file ( see attached evidence ). This is a factually false statement. I never executed a contract with this entity. By masquerading as the originator, the furnisher is corrupting the data lineage and misleading scoring models to treat this junk debt as a primary financial obligation. This is a deceptive trade practice under the FDCPA intended to confuse the consumer and the credit bureaus. Violation 2 : Predatory " Re-Aging " of Debt ( 15 U.S.C. 1681c ) The furnisher has manipulated the " Date Opened " field to show a recent date. This debt originates from a legacy account that is years old. Resetting the clock is a predatory tactic known as " Re-Aging, " designed to bypass the 7-year reporting statute of limitations and inflict fresh, malicious damage on my creditworthiness. This is a direct violation of the FCRA 's obsolescence standards. Regulatory Demand : This is not a clerical error ; it is a systemic failure of the furnisher 's compliance protocols. The furnisher is knowingly verifying false information to maintain leverage. I demand this compromised trade line be deleted immediately with prejudice. Furthermore, I request the CFPB flag this entity for a data integrity audit regarding their portfolio-wide reporting practices.

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 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services
State: WA

Complaint narrative:
Lendmark/XXXX XXXX is refusing to process a fraud claim unless I appear in person, despite my documented XXXX XXXX. They are ignoring my requests for XXXX accommodations and continuing to harass me via phone after being told to use email. One of them even acknowledged my inability to come in and yet still requested me to come in. This is a clear statement ignoring reasonable accommodations under the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I spoke with my loan servicer Nelnet today ( XX/XX/XXXX ) and they are denying a refund on the XXXX XXXX settlement for payments made to XXXX. They stated that this is a result of 2 FFEL loans in the consolidation loan made in XXXX. I am requesting a review for : A formal eligibility review under Sweet settlement Clarification on : Consolidation impact Refund eligibility by loan component I am also stating that the refund interpretation by the Servicer is incorrect and the Servicer is incorrectly denying full/partial refund based on mixed consolidation including FFEL loans XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I am writing to formally dispute a XXXX delinquency reported by Nationstar Mortgage ( Mr. Cooper ) for XX/XX/year>. This derogatory mark is factually inaccurate and must be removed for the following reasons : Nationstar unilaterally added approximately {$250.00} to my monthly mortgage payment for escrow purposes when it took over servicing of my loan from the prior lender. This addition was made in error. I am a 100 % service-connected, permanent and total XXXX veteran, and under XXXX of XXXX XXXX XXXX I am fully exempt from property taxes on my primary residence. As a result, I have no property tax obligation and no valid basis for an escrow account or any escrow-related payment increase. The new servicer failed to identify, carry over, or verify my XXXX exemption status during the loan transfer, and provided me with no prior notice of this escrow change before imposing it. Full Mortgage Payment Made : I made my full, original contractual mortgage payment in XX/XX/year>. I did not pay the erroneously added {$250.00} XXXX because it was not a valid charge under my loan terms. Verbal Agreement to Remove : XXXX XXXX representatives acknowledged the escrow error and verbally agreed to remove the XXXX late notation from my credit report. Despite this agreement, the derogatory mark remains on my credit file, constituting a continuing inaccuracy. Legal Basis for Dispute : FCRA 1681s-2 ( b ) : As a furnisher of information, Nationstar has a legal duty to investigate this dispute and correct or delete inaccurate information. Reporting a late payment based on an erroneous, unilateral fee increase is a violation of this duty. FCRA 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Retaining this notation fails that standard. RESPA 2605 ( 12 U.S.C. 2605 ) : Mortgage servicers are required to provide proper notice before adjusting escrow amounts and must respond to qualified written requests regarding account disputes. An improper escrow increase without proper notice violates RESPA. FCRA 1681i : I have the right to dispute inaccurate information and the credit bureau has a duty to conduct a reasonable investigation and correct the record. XXXX of XXXX XXXX : XXXX XXXX law XXXX a veteran who is rated 100 % service-connected, permanent and total XXXX is exempt from property taxes on their primary residence. This exemption eliminates any lawful basis for an escrow account tied to property taxes. Nationstars failure to identify and honor this exemption upon assuming loan servicing and its failure to provide any prior notice of the escrow change directly caused the improper payment increase that led to the disputed delinquency. Please investigate this matter and compel Nationstar Mortgage to correct my credit file within the XXXX statutory timeframe under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
I am submitting this complaint regarding the servicing of my mortgage loan by PennyMac, specifically related to the handling of private mortgage insurance ( PMI ). My loan closed on XX/XX/scrub>XXXX XXXX XXXX and my first mortgage payment was due on XXXX XXXX XXXX which is standard for mortgage transactions. At closing, I was not charged any upfront PMI, and my understandingas is standard practiceis that borrower-paid PMI is included as part of the monthly mortgage payment and not collected at closing. After closing, PennyMac informed me that my account has a PMI shortage, claiming that they disbursed a PMI payment prior to my first scheduled mortgage payment. As a result, they are now attempting to collect this amount from me. This situation raises several concerns : I was never informed or disclosed at closing that PMI would be advanced on my behalf before my first payment. This alleged advance was not reflected on my Closing Disclosure or any other loan documents. I have never missed a payment, and my first payment was made in accordance with the loan terms. It is my understanding that PMI is typically collected monthly and not advanced by the servicer before the borrowers first payment. I believe this represents either a servicing error or a failure in proper disclosure, resulting in an unexpected and unjustified financial obligation being placed on me after closing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On or abouXXXX XXXX my vehicle was repossessed by Citizens Bank despite the account being under active internal review. I had been in communication with the bank, and I was later informed that the payment resolution department had indicated that repossession activity should not proceed. However, due to an apparent lack of communication between departments, the repossession still occurred. During the repossession, the recovery company later represented that I voluntarily surrendered the vehicle and provided keys. This is incorrect. I did not voluntarily surrender the vehicle and did not provide keys at any time. The repossession caused significant disruption. I was without transportation and missed a scheduled medical appointment for my child. The event also occurred in the presence of my children, who were distressed while observing the vehicle being taken from our home. The vehicle was later returned, confirming that the repossession should not have occurred. Since that time, I have made multiple attempts to obtain information and resolution from the bank, including requesting a written explanation of how the repossession occurred, confirmation that no voluntary surrender is reflected in my account, a copy of the repossession agents report and related documentation, identification of the repossession company, and guidance on reporting any vehicle damage. I have not received a response. I have also attempted to contact the repossession/towing company regarding the incident and damage to the vehicle, but have received no response. Although I received a {$100.00} courtesy payment, this does not resolve the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
I had No notification of debt/ all of a sudden i had a collections account appear on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
In XXXX, Rocket Mortgage issued an escrow analysis reflecting a claimed shortage of {$1500.00}, resulting in a proposed monthly increase of {$130.00}. However, the same analysis shows that I paid {$7100.00} into escrow, while only {$6200.00} was disbursed in XXXX. Based on these figures, the projected beginning balance for XXXX should be {$930.00}. Notably, the escrow statements no longer display beginning balances, as reflected in the attached documentation, and there is no indication of the {$930.00} carryover anywhere on the statement. This omission raises significant concerns regarding the accuracy and transparency of the analysis. To verify actual costs, I obtained my homeowners insurance policy for the XX/XX/XXXX to XX/XX/XXXX term, which reflects an annual increase of {$270.00}. I formally requested a re-analysis on XX/XX/XXXX ( see attached ), but the response I received failed to address or explain the missing beginning balance or reconcile the discrepancies identified. Additionally, I requested that each escrow component be itemized separately, including mortgage insurance premium ( MPI ), homeowners insurance, and property taxes. Instead, the statement consolidates these amounts into a single line item labeled XXXX XXXX, which prevents proper review and verification. Given these inconsistencies, I have serious concerns regarding the management of my escrow account. My account did not begin in a negative position, and therefore, the asserted shortage of {$1500.00} appears unsupported and unwarranted.

Company response to consumer: Closed with explanation