vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
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: FL

Complaint narrative:
My parents committed mortgage fraud and identity theft against me from the inception of this loan. 

FORGED DOCUMENTS : 1. My signature was FORGED on the original mortgage I never signed it 2. My signature was FORGED on multiple loan modifications I never authorized them 3. All documents bearing my signature are FRAUDULENT RESULTING HARM : 1. My credit has been destroyed by delinquent payments on loans I never signed 2. My home is now in FORECLOSURE due to my parents ' deliberate default 3. I am the sole owner of record but have no access to loan information 4. My parents are now attempting to SELL my home without my consent through a family member who is a real estate agent WHAT I NEED : 1. Copies of ALL documents bearing my signature for forensic handwriting analysis 2. Copies of ALL loan modification agreements 3. Complete payment history 4. Explanation of how this loan was originated without my actual presence or consent 5. HALT of foreclosure proceedings pending fraud investigation 6. Investigation into whether your company verified identity at origination and modifications This fraud has been reported to : - Local police ( fraud, forgery, identity theft ) - FBI ( mortgage fraud, wire fraud ) - Florida Attorney General - Florida DBPR ( real estate license violations ) - Florida DCF ( child abuse parents turned off water to my children ) I demand a complete investigation and all documents for law enforcement review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
They continue to harass me repeatedly before XXXX and after XXXX waking up my new born from her sleep I just really want this to stop immediately theyve been constantly does this for years. 
The law 15usc 1692c states that they shouldnt be able to do that at all. 

Name : CREDIT ACCEPTANCE CORP Address : XXXX XXXX XXXX XXXX MI, XXXX Account Number : 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
I have received a Swiss Colony prepaid XXXX which is a debit card that I do not want and did not as

k for. Company does not provide their phone number or address. Information included states that I will be billed
for not using the card. 

How can I get help without having to hire an attorney to prevent credir issues? 

thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have reached out and called to the Chase Bank fraud about my claim denied reference # XXXX and asked them for more information about the denial. The fraud agent told me that they denied my XXXX  fraud claim due to their investigation team said I had somebody XXXX  card in my phone digital wallet!?!? I asked the fraud agent how can I even have someones else XXXX  card added to my phone digital wallet??? This is bizarre and unfair investigation. They said they wanted to see the history of cards in my phone digital wallet and then they will re-open my fraud claim case. I have attached the history of my phone digital wallet and there is no XXXX  card linked. I have never had a XXXX  account either. I called XXXX and reported it to their fraud department and they were able to find the scammer account by the last 4 digits of my stolen Chase bank debit card. The XXXX  agent even told me that the name on the XXXX account did not even match my name and that all those transactions were not authorized by me. And they said my Chase debit card information was manually entered by the XXXX  account owner. I feel like I am doing more leg work for my own investigation than the Chase Bank Fraud Investigation department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
This complaint supplements my prior CFPB complaint ID : XXXX filed XX/XX/XXXX. 

Since that filing, MOHELA 's obstruction has escalated.

NEW ISSUE # 1 : IBR Application Wrongfully Denied ( XX/XX/XXXX ) On XX/XX/XXXX, MOHELA denied my IBR application stating my loans are " not in repayment. '' This denial is improper : I submitted my IBR application on XX/XX/XXXX ( attached ) On the application, I checked Item 4 : " Yes, and I do not want to start repaying my loans until the deferment or forbearance ends '' the form explicitly allows applying during deferment XXXX confirmed the application was COMPLETED and sent to MOHELA the same day My deferment ended XX/XX/XXXX my loans were in active repayment for four months MOHELA failed to process the application during that window MOHELA placed my account in administrative forbearance on XX/XX/XXXX MOHELA is now using a forbearance status THEY created to deny an application I submitted six months earlier NEW ISSUE # 2 : Forbearance Shorter Than Promised On XX/XX/XXXX, MOHELA representative XXXX ( ID # XXXX ) granted me a 60-day administrative forbearance with next payment due XX/XX/XXXX. My account now shows forbearance ending XX/XX/XXXX only 32 days, not 60. 
ONGOING ISSUE : Escalation Unresolved My XX/XX/XXXX escalation was due within 10 business days. That deadline passed XX/XX/XXXX. Still unresolved. 

BACKGROUND : 25+ years of repayment XXXX qualifying payments ( XXXX required ) confirmed by XXXX Paid over {$170000.00} on ~ {$75000.00} {$85000.00} originally borrowed DOE confirmed in writing ( XX/XX/XXXX ) I qualify for IDR forgiveness Eligible for tax-free forgiveness under AFT settlement if effective date is XXXX SUPPORTING DOCUMENTATION ATTACHED : 1. XX/XX/XXXX MOHELA denial of IDR application 2. XX/XX/XXXX MOHELA Admin Forbearance confirmation 3. XX/XX/XXXX MOHELA account screenshot showing forbearance ending XX/XX/XXXX 4. XX/XX/XXXX DOE confirmation via XXXX XXXX ( XXXX XXXX ) 5. XX/XX/XXXX XXXX Confirmed Receipt of IBR application 6. XX/XX/XXXX MOHELA Confirmation of Request 7. XX/XX/XXXX inquiry re IBR Application 8. XX/XX/XXXX Income-Driven Repayment Application showing Item 4 checked allowing application during deferment

Company response to consumer: Untimely response
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting a collection account from XXXX XXXX  that has not been validated by the furnisher. No itemized billing, contract, or proof of authorization has been provided. Reporting unverifiable information violates FCRA 611 ( a ) ( 1 ) ( A ) and 623. I request immediate deletion.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
In XXXX XXXX, I discovered two fraudulent debit card transactions on my checking account : a {$20.00} charge dated XX/XX/XXXX from a merchant called XXXX, and a {$58.00} charge dated XX/XX/XXXX from a merchant called XXXX, along with a {$1.00} international transaction fee. I immediately contacted Huntington Bank to report the fraud. Huntington confirmed that both transactions were made using my debit card, and as a result, the card was closed and replaced with a new one.

While reviewing my account during that call, we also identified a recurring monthly charge of {$2.00} plus a {$0.00} international fee from a merchant called XXXX XXXX XXXX. Huntington confirmed that these charges were also made via debit card. I indicated that I did not recognize or authorize these transactions and believed they were fraudulent. This {$2.00} charge had been recurring monthly since XX/XX/XXXX. 

The day after my call with Huntington Bank, I noticed temporary credits posted to my checking account for the following amounts : {$20.00} ; {$58.00} plus {$1.00} ; and three separate credits of {$2.00} plus {$0.00}. However, I later received a letter dated XX/XX/XXXX, stating that the temporary credit for the {$58.00} charge would be reversed. The letter explained that transactions that occurred after XX/XX/XXXX will not be researched further because you contacted us later than 60 days after we sent you the statement on which the transaction appears. 

Because this explanation did not make sense to me, I contacted Huntington Bank for clarification. I spoke with XXXX XXXX, who explained that because the {$58.00} transaction occurred more than 60 days after the date of the first {$2.00} fraudulent charge, it was not eligible for reimbursement under XXXX and Huntington Bank policy. She further stated that, despite the fraudulent charges involving three different merchants, my fraud claim is limited to a single 60-day window under those policies.

Is this consistent with United States banking laws?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 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: IL

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 2026-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C.
State: AR

Complaint narrative:
this was sent to us. all the information they have is not correct. its information and references along with bank accounts that we have never be connected to. this loan does not belong to us, and we believe its a scam. inforamtion obtained possible through data breaches File No : XXXX XXXX XXXX Original Client : XXXX XXXX XXXX XXXX  Account No : XXXX Settlement Amount : {$710.00} Dear XXXX XXXX, This letter is to confirm your account with XXXX XXXX XXXX XXXX XXXX. 

The debt was originally opened with XXXX XXXX XXXX XXXX. The debt was assigned to our office on XX/XX/year>. The current amount due to our office is {$710.00} which includes interest and fees added to the original balance. 

We will need payment information on file in order to set up your payments. Once payments have cleared your financial institution, your account will be considered paid in full. You will then receive a letter describing the closed status of your account in an e-mail. 

We would appreciate your cooperation in order to resolve this matter in a timely fashion. We can be reached by phone at XXXX or by fax at XXXX. Please pay attention to the important notice below. 



Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: CA

Complaint narrative:
CFPB, I am writing to provide an update regarding my existing complaint involving Fizz.

At this time, I want to note that I am still actively trying to work with the company to resolve the issue. I am making good-faith efforts to submit payments and to cooperate with Fizz so that my account can be handled appropriately.

However, despite these efforts, I continue to experience difficulties that make it challenging for me to complete payments successfully. While I remain hopeful that the matter can be resolved, the issue has not yet been fully addressed. 

I wanted to keep the CFPB informed of the ongoing situation and to document that I am continuing to engage with the company in an effort to reach a resolution. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Last week, ANOTHER fraudulent check was paid from our account for another {$10000.00}. This shows a pattern of negligence and breach of warranty by Chase. 

( See Complaint # XXXX for a description of the facts regarding the first fraudulent check that was paid. ) Chase has credited this second {$10000.00} but refuses to be held responsible for the first {$10000.00}. 

There is clearly lack of process/procedure to ensure checks are properly payable. If Chase can not ensure checks are not washed/altered, then they need to update their systems. Systematic fraud is an issue that Chase refuses to fix/take accountability for. 

I plan to reach out to our contact at Chase to let her know about this additional fraud, and we hope that the first {$10000.00} gets credited to our account. 

We will otherwise fight the battle in court. Now that there is a pattern of negligence and breach, our case will be stronger.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
I am submitting this complaint regarding improper servicing and inaccurate credit reporting by M & T Bank on my VA mortgage. 

As soon as I experienced financial hardship, I proactively contacted M & T Bank and requested a forbearance before missing payments. During this outreach, M & T Bank instructed me to cancel our automatic mortgage payments beginning in XXXX and advised that once three payments were missed I would qualify for a forbearance. We relied on this guidance in good faith. Although the forbearance had not yet been formally approved, the servicers instructions directly led to the missed payments. Reporting these payments as delinquent is inaccurate and misleading. 

M & T Bank later issued a written forbearance agreement, which reflected an effective start date in XXXX or XXXX ( exact date pending servicer documentation ). Despite following the servicers guidance and being proactive in requesting assistance, M & T Bank reported the missed payments as 30/60/90-day delinquencies to the credit bureaus. 

This loan is a VA-guaranteed mortgage, and the reporting of delinquent payments under these circumstances is inaccurate and misleading for the following reasons : We requested assistance and followed M & T Banks explicit instructions before missing payments The missed payments were the result of servicer instruction while awaiting formal forbearance approval, not borrower neglect VA servicing guidance emphasizes early intervention and prohibits punitive credit reporting when borrowers rely on servicer direction Although we resumed payments as instructed, M & T Bank has failed to retroactively correct the inaccurate credit 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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I was the victim of an account takeover and bank impersonation scam. I attempted to make a purchase on what I later learned was a fraudulent website. Shortly afterward, I received a phone call from an individual impersonating my banks fraud department. The caller used urgency, accurate banking terminology, and fraud-prevention language that led me to reasonably believe I was speaking with my bank. 

Under deception and coercion, I was instructed to provide one-time passcodes that I believed were required to stop fraudulent activity and secure my account. These passcodes were then used by the scammer to gain unauthorized access to my account, initiate transfers between my linked accounts, reverse legitimate mortgage payments, and direct me to send funds via XXXX XXXX. 

I did not knowingly authorize payments to a scammer. All transactions occurred as a direct result of criminal impersonation, social engineering, and account takeover while I believed I was cooperating with my banks fraud department.

My bank denied my fraud claim solely on the basis that I shared one-time passcodes, without properly considering that this was a case of impersonation and account takeover fraud. The bank failed to reasonably protect my account despite clear indicators of fraud, including unusual payment reversals, rapid transfers, and multiple high-dollar payments to a digital wallet. 

The total loss is approximately {$25000.00}. I am requesting that the bank conduct a proper re-investigation under impersonation and authorized push payment fraud standards, reimburse the fraudulently transferred funds, and ensure that the reversed mortgage payments do not result in negative credit reporting. I am cooperating with law enforcement and have filed or am filing reports with local police and the FBIs Internet Crime Complaint Center ( IC3 ).

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 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 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: MN

Complaint narrative:
In XX/XX/XXXX, I discovered that 3 federal Direct Unsubsidized Loans serviced by Edfinancial Services were delinquent. The total past-due amount at the time of discovery was approximately {$240.00}, with a total balance of approximately {$22000.00}. 

The loans were originated between XXXX and XXXX while I was a XXXX XXXX  at XXXX XXXX. I do not recognize authorizing all of the loans currently on my account. 

On XX/XX/XXXX, at XXXXXXXX XXXX, I contacted Edfinancial Services and requested copies of all Master Promissory Notes and loan origination documents associated with each loan. After initial pushback on XX/XX/XXXX and XXXX, Edfinancial Services acknowledged the request and stated that document retrieval is in process on XX/XX/XXXX, and provided an estimated timeline of up to 30 business days. 

Despite the active dispute and pending document review, Edfinancial Services has continued to issue delinquency notices and payment demands and has refused to place the account into administrative forbearance during this investigation.

Company response to consumer: Closed with explanation