vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 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: WA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department To : SPS Servicing From : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department at XXXX XXXX : I am XXXX XXXX and I am the owner of the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am in receipt of your notice of transfer from Select Portfolio Servicing ( SPS ), effective XX/XX/XXXX. Consider this your formal warning : This loan is currently subject to a pre-existing and active Hardship Dispute that I filed with SPS on XX/XX/XXXX. SPS attempted to XXXX XXXX XXXX this debt onto your books specifically to circumvent a XXXX legal stay I requested following a catastrophic XXXX XXXX industrial tort. As the XXXX in XXXX, you are now legally tethered to this dispute under RESPA. Notice of Intent to File XXXX Pendens : If XXXX XXXX attempts to move XXXX inch toward foreclosure, I am prepared to immediately file a Lis Pendens against the property title. I will lock this title down so tightly that you won't be able to sell or transfer this asset until my XXXX XXXXXXXX litigation against the City of XXXX and my Bad Faith claim against Farmers XXXX XXXX Claim # XXXX ) are fully adjudicated. I don't play games with my legacy. Here is why this default happenedand why it is your problem now : The Causal Chain of Enterprise Destruction : The Warning ( XXXX ) : After a XXXX at my XXXXXXXX XXXX, I personally flagged our power vulnerability and paid increased premiums to XXXX for XXXX protection. I did my job ; the insurers didn't do theirs. The XXXX ( XX/XX/XXXX ) : XXXX of XXXX contractors saw-cut directly through my electrical vault. I have the forensic photos and site logs to prove it. The Sacrifice ( XXXX XXXX ) : To save 100 % of my staffs jobs and protect my XXXX XXXX and XXXX contracts, I diverted my personal mortgage funds into the business. The XXXX ( XX/XX/XXXX ) : XXXX XXXX issued a XXXX XXXX denial, lying about the " physical damage '' despite the structural breach. The Administrative Death ( XX/XX/XXXX ) : Because the City destroyed my hub, the XXXX terminated my contract ( XXXX ) and I lost my XXXX Code. The Transfer ( XX/XX/XXXX ) : SPS transferred this loan to you after receiving my legal hardship notice. I am a federal-grade XXXX and a XXXX XXXX. I am not " behind on payments '' ; I am a victim of industrial negligence and insurance fraud. I am requesting a formal XXXX forbearance by the end of the week. We have already alerted the CFPB and the XXXX XXXXXXXX Attorney General that you are attempting to ignore a pre-existing legal stay. Govern yourself accordingly. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
They responded to my complaint and said it would be removed and 30 to 60 days still havent been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am responding to your recent communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt in its entirety and request that you provide proper validation. Specifically, please provide : The name and address of the original creditor The original account number A copy of the signed agreement bearing my signature A complete payment history showing how the amount you claim is owed was calculated Proof that your company is legally authorized to collect in my state Documentation showing you have been assigned or purchased this debt Until you provide the requested documentation, you must cease collection efforts and reporting to any credit reporting agencies. If this account is currently being reported to any credit bureau, please note that reporting inaccurate or unverified information may constitute a violation of the Fair Credit Reporting Act ( FCRA ). If you can not provide proper validation, I expect this account to be deleted and collection efforts to cease immediately. All future communication regarding this matter must be in writing. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NM

Complaint narrative:
I am writing to formally notify you that the above-referenced account being reported or collected by Jefferson Capital Systems is the result of identity theft and was not opened or authorized by me. I do not have, and have never had, a T-Mobile account associated with this debt. I have been a long-standing customer with a different mobile carrier for many years and have no relationship with T-Mobile related to this alleged account. My identity was previously compromised and documented in XXXX Police Department Report # XXXX ( XX/XX/year> ). Due to continued fraudulent activity involving my personal information, a new report has been filed with XXXX under Report # XXXX. These incidents have also been reported through the Federal Trade Commission Identity Theft reporting system ( IdentityTheft.gov ). Enclosed with this letter are copies of my police report and FTC Identity Theft Report, which establish that this account was opened fraudulently using my personal identifying information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 / Section 605B ), once a creditor or debt collector receives an identity theft report identifying fraudulent information, they are required to block the reporting of that information and cease collection activity. Therefore, I am formally requesting that Jefferson Capital Systems : Immediately cease all collection activity related to this account. Delete this account from all credit bureau reporting ( XXXX, XXXX, and XXXX ). Confirm in writing that the account has been permanently removed and that I have no responsibility for this debt. Because this account is the result of identity theft and has been properly documented, it must not continue to be reported or collected. Please confirm in writing that this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding the unauthorized addition of an add-on product called Account Assure to my XXXX credit card account associated with XXXX & XXXX XXXX. When activating the card, the process required calling a phone number. During that activation call, I was presented with a very persistent and persuasive sales pitch for the Account XXXX product. During the call I clearly declined the offer multiple times and did not consent to enrolling in this service. Despite repeatedly declining the offer during the activation process, I noticed today that Account XXXX was added to my account anyway and I was charged {$17.00} for the service. From what I understand, this fee appears to be calculated as a monthly charge based on the outstanding balance ( a rate applied per {$100.00} of balance ). I never authorized this product and did not agree to enroll in it. The fact that it was added after I explicitly declined it during the activation call is concerning and appears to be an unauthorized enrollment. I am requesting the following : Immediate removal of the Account XXXX product from my account Refund of the {$17.00} charge and any other charges associated with this service An explanation of how this product was added despite my repeated refusal during the activation call Consumers should not have add-on products placed on their accounts after clearly declining them during a recorded activation process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
On XX/XX/year>, I tried logging into my Rocket Mortgage account, and that is when I found out they had merged with XXXX XXXX. I was unable to log in to my account. I gave it a few days and tried again on XX/XX/year>, but was unable to log in, saying my account could not be found. I then called Rocket Mortgage and waited in line for 1 hr and 17 min to be transferred to several employees, then disconnected. I called back, waited another 45 min to be told the merge was causing online issues, and I would have to pay my mortgage by phone or mail a payment. By this point, my mortgage was due, so I chose to pay by phone. XX/XX/XXXX, I tried logging in again same thing I called and was told there was a 2 hr and 35 min hold time. I only have 1 hr lunch break. Again XX/XX/XXXX I tried online access, but still could not find my account. I called and was told 2 hr wait time. I tried on XX/XX/XXXX, still no access. I called, waiting 24 min and was told my info has not been entered into the account. I started searching and found many people on social media with the same complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by LoanDepot on my mortgage loan. LoanDepot has reported multiple 30-day late payments on my credit report. However, my payment history shows that many payments were made before reaching 30 days past due. Several entries on my account statement also show misapplication reversals, indicating that payments were received but applied incorrectly by the servicer and later corrected. In addition, I frequently paid more than the required monthly payment amount. Instead of properly applying the full payment and holding the excess funds as required, LoanDepot sometimes returned payments or applied them inconsistently. These servicing errors created temporary delinquency statuses in their system that were later corrected internally. Because payments sufficient to cover the monthly obligation were received prior to reaching 30 days past due, these months should not have been reported as 30-day delinquencies. I previously contacted LoanDepot to request correction of this inaccurate reporting. They responded with a denial letter stating their records were accurate but did not address the misapplied payments reflected in their own account history. I am requesting that LoanDepot conduct a full investigation into the servicing of my account and correct any inaccurate late payment reporting with XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach : XXXX XXXX XXXX account number XXXX, amount XXXX inquires XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
On the evening of XX/XX/year>, I discovered my Charles Schwab Bank checking account ( Charles Schwab Bank , XXXX ) was locked when I attempted to log in. On XX/XX/year>, I visited my local Schwab branch in XXXX, New York in person and completed whatever verification was required. Since then, I have called Schwab customer service every single day. Each time I call, I am told that someone will reach out to me, but I have received no callback and no resolution. When I informed Schwab that I have no access to money for basic necessities including food, I was told they can not do anything. It is now XX/XX/year> 4 days since I discovered the lock and 3 days since my in-person branch visit. This is my only bank account. I recently moved into a new apartment in XXXX, New York and am trying to get settled. I have approximately {$500.00} locked in this account and no access to any other funds. I currently can not afford food. Schwab has provided no timeline, no explanation for the continued lock, and no path to resolution despite an in-person branch visit and daily phone calls. I am requesting immediate intervention to unlock my account and restore access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I paid off the Loan for my vehicle from American Credit Acceptance. There was an overpayment and the company is refusing to tell me when the over payment will be refunded to me. They said there is no processing date and they refuse to elaborate on their refund practices. Paid off XX/XX/year> and as of XX/XX/year> they still say there is no date that I will receive the refund of my over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: NV

Complaint narrative:
I made an online purchase on XX/XX/2025. Use Citi bank credit card, and XX/XX/ 2025, shipment cancelled by XXXX, later Citi bank credit card still charged, I already dispute, no response, still charged, unit now, and the product amount is 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 monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Unauthorized Cash App Transaction Dispute Denied On XXXX XXXX, 2026, at approximately XXXX AM, a payment in the amount of {$160.00} was sent from my Cash App account to an individual named XXXX XXXX. I do not know this person, I did not authorize this payment and I have no payment history with them through Cash App. When reviewing the transaction details, I noticed that the payment was sent from a Pixel XL Android device. I do not own any Android devices and have never used a Pixel XL device to access my account. I also reviewed the location data associated with the transaction and it indicated the activity occurred in the XXXX XXXX, North Carolina area, which is approximately XXXX to XXXX hours away from my location. This is not the first time this has occurred. In XXXX 2026, a similar unauthorized transaction happened on my account where money was sent to a different user. After that incident, I took several security measures including : * Changing my Cash App PIN * Ordering a new Cash App card * Logging out of all devices connected to my account Despite taking these precautions, this unauthorized transaction still occurred. Additionally, immediately after the {$160.00} payment was sent at XXXX AM, there was another activity attempting to withdraw {$360.00} from my linked bank account at the exact same time. This further supports my belief that my account was compromised or accessed fraudulently. I reported this transaction to Cash App and submitted a dispute explaining that the transaction was unauthorized. However, my dispute was denied. Cash App stated that the payment was authorized or that I gave someone permission, which is not accurate. I believe Cash App did not conduct a thorough investigation. If they had reviewed the transaction details, they would have seen the following : * The transaction was made from a device I do not own * The transaction occurred in a location far from where I was * I have no payment history with this individual * There was a simultaneous attempt to withdraw additional funds from my bank account Based on these facts, I believe my account was either hacked or targeted by a scam. I am requesting that Cash App conduct a proper investigation and issue a refund for the unauthorized transaction of {$160.00}. I have already provided Cash App with the relevant information showing that this transaction was not authorized by me. My Cash App tag is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: F.H. Cann & Associates, Inc.
State: OH

Complaint narrative:
They keep calling me and texting me every day and when i say what debt is for they pause them hangs up on me i want them to leave me alone show valid proof of everything they supposed and stop bothering me its draining me make depressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover has not let me use my credit card for several years. They continue to make excuses for not letting me utilize my credit line even though Im well under the credit limit and pay my monthly bill on time. They claim they review accounts and decide if they should allow consumers to use it. I feel this is a violation of consumer rights and possible illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Subject : Immediate Deletion Demand Potential Fraud / Unverifiable Reporting To Whom It May Concern, I am disputing the above account as unverifiable and potentially fraudulent. I have reason to believe that the account information associated with my identity may be inaccurate, misleading, or unauthorized. Continued reporting may constitute identity theft and a violation of the Fair Credit Reporting Act ( FCRA 609, 611, 605 ). I demand that XXXX XXXX XXXX : Immediately delete this account from all credit reporting agencies. Cease reporting any information associated with this account unless it can be fully verified. Provide written confirmation of deletion within 30 days. Failure to comply will result in formal complaints to the CFPB, FTC, and state regulators, and may include civil action for damages due to willful non-compliance with federal law. This is my final demand for compliance regarding unverifiable and potentially fraudulent reporting. Sincerely, 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 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am disputing the above account as unverifiable and potentially fraudulent. I have reason to believe that the account information associated with my identity may be inaccurate, misleading, or unauthorized. Continued reporting may constitute identity theft and a violation of the Fair Credit Reporting Act ( FCRA 609, 611, 605 ). I demand that XXXX XXXX XXXX : Immediately delete this account from all credit reporting agencies. Cease reporting any information associated with this account unless it can be fully verified. Provide written confirmation of deletion within 30 days. Failure to comply will result in formal complaints to the CFPB, FTC, and state regulators, and may include civil action for damages due to willful non-compliance with federal law. This is my final demand for compliance regarding unverifiable and potentially fraudulent reporting. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To : CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Re : Demand for Validation of Alleged Debt Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the alleged debt your company claims I owe. The account you are reporting is as follows : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alleged Balance : {$3800.00} Date Opened : XX/XX/XXXX Status : Collection Account Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I demand that you provide full validation of this alleged debt. Specifically, I require : XXXX. The original signed contract or agreement bearing my signature, proving I am legally obligated for this debt. XXXX. Proof of ownership/assignment of the debt, establishing that your company has the legal right to collect on it. XXXX. A complete payment history showing how the alleged balance of {$3800.00} was calculated. XXXX. Verification of the original creditor and all assignments or transfers of this account in compliance with UCC 3-501 and 3-505. XXXX. Proof of your authorization to report this account to credit bureaus in accordance with the FCRA ( 15 U.S.C. 1681s-2 ). Until this information is provided, you must cease all collection activities and stop reporting this account to any credit reporting agencies. If you continue to report this account without proper validation, you will be in violation of the FCRA, FDCPA, and the UCC, and I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. Please note : Any attempt to collect this debt without providing the required documentation will be treated as a willful violation of my rights, and I will pursue all legal remedies available to me, including statutory damages. I require your response within XXXX days of receipt of this letter. If you can not provide proper validation, you must immediately cease reporting and delete this account from all credit bureaus. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation