vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: NEW YORK COMMUNITY BANCORP INC
State: IA

Complaint narrative:
My home was burnt down and the insurance company paid it off and issued a check to the loan holder Flagstar, on XX/XX/XXXX of XXXX. On XX/XX/XXXX of XXXX that check was cashed and cleared. My insurance companies bank, XXXX XXXX XXXX, was able to tell me that information. The original company that had my loan or mortgage was XXXX who then sold it to Flagstar. Flagstar is who received the check ( as that is who the check was written out to ). They then sold it or transferred my mortgage to XXXX XXXX, XXXX XXXX then transferred it to XXXX & XXXX, who informed me that XXXX and XXXX was who I needed to speak to as they are who is managing the account. I was just notified by a XXXX XXXX that my home was being auctioned off today. They got a hold of me I'm going to say Thursday of last week which would have been XX/XX/XXXX. I've spent XXXX hours on the phone today trying to figure out whether or not my home was being auctioned off ( or rather my property ). I spoke with the insurance company, the insurance company assured me that the check was not only issued but it was cashed on XX/XX/year>. I then spoke with Flagstar who couldn't tell me anything and just transferred me and I continued to just be transferred from XXXX person to another. The problem is Flagstar was on the check, they cashed the check, and then they turned around and sold the mortgage to another company. Either way it's it's been paid for and it seems to be that their auctioning it off today and no one seems to be able to help me. Regardless of what company it is I finally got to XXXX and XXXX and got nothing but answering machine so I'm really just kind of beside myself as to what to do or what's happening! Please help me! They're double dipping and destroying my credit and they've been paid since XXXX of 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 2026-02-24 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: UT

Complaint narrative:
I was approved for a XXXX and XXXX XXXX ( XXXX ) discharge by the XXXX Department of Education effective XX/XX/2024. Despite providing the approval letter and repeated written and verbal notice, Nelnet XXXX Sloan Servicing continues to bill me and display a live balance and past-due amounts on a loan that should be XXXX. I have submitted documentation multiple times to the servicer and through the Department of Educations feedback and escalation systems. Those DOE cases are repeatedly closed without response, and the servicer claims it has not received discharge instructions. Sloan Servicing has stated in writing that it has not been notified by the XXXX Department of Education of my approved TPD discharge, despite my discharge being granted and documented. This administrative failure between XXXX, the XXXX XXXX ( XXXX XXXX ), and the servicer is resulting in continued billing and collection on a debt I do not owe. This is an administrative failure between the Department of Education, the guarantor/agent, and the servicer, but the result is ongoing collection activity on a debt I do not owe. I am requesting that CFPB require Nelnet/Sloan Servicing XXXXo immediately process the XXXX discharge, cease all billing and collection activity, coordinate with the XXXX ( XXXX XXXX XXXX to correct the loan status in all servicing systems, and provide written confirmation that the account has been closed as XXXX. Upon confirmation and processing of my XXXX and XXXX XXXX discharge, I demand that all negative credit reporting associated with this loan ( including any delinquency, past-due, or collection history ) be corrected with all consumer reporting agencies to reflect a discharged/paid-in-full status, with no adverse payment history attributable to periods after my discharge eligibility date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 remove

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> around XXXXXXXX XXXX. I called chime because I started having problems that I could not access my funds I could not move my funds and I could not access my virtual card number it is now XXXX XXXX XXXXXX/XX/XXXX and I have called XXXX times with no useful helpful information given. The last time I called I asked to speak to a supervisor a man got on the phone and told me basically the same thing that everybody else was telling me that it was a security thing and they could do nothing about it could not override it and when I asked him if I could speak to his supervisor he told me no he said that I could not speak to no one else and then he eventually hung up on me after put me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: NY

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Regarding : Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX CFPB Complaint Debt Validation and Disputed Collection Activity To Whom It May Concern : I am submitting this formal complaint regarding collection activity by Credit Control , LLC concerning the above-referenced account. I received written correspondence attempting to collect an alleged debt. I dispute this debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of the alleged debt. Specifically, I request : 1. The name and address of the original creditor ; 2. The complete account number associated with the alleged debt ; 3. A copy of the original signed agreement bearing my signature ; 4. A complete payment history, including charge-off details ; 5. Documentation showing the date of default and date of charge-off ; 6. A copy of any assignment, transfer, or purchase agreement demonstrating that Credit Control , LLC has legal ownership and authority to collect this debt ; 7. Proof that Credit Control , LLC is licensed to collect debt in the State of Georgia. This alleged debt was previously included in a bankruptcy filing in XX/XX/XXXX. Although the bankruptcy case was later dismissed, the status of the debt and any post-bankruptcy collection activity must comply strictly with federal law. Additionally, I dispute any reporting of this account to consumer reporting agencies. If this account has been reported, I demand it be marked as Disputed by Consumer immediately pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Until proper validation is provided, Credit Control , LLC must cease all collection activity, including phone calls, letters, and credit reporting. If validation can not be provided, this account must be permanently closed and deleted from any consumer reporting agency to which it has been furnished. I request that the CFPB investigate this matter and ensure compliance with federal consumer protection laws. I expect written confirmation of your investigation and resolution. 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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I operate a food truck and rely on accurate accounting records for tax reporting and financial reconciliation. I requested transactionlevel detail for all 2025 sales processed through Quick Accept, including the sale amount, tax, tip, actual fees charged, and how each transaction maps to the deposits made into my bank account. Quick Accept informed me that they can not provide any type of transactionlevel report. I was told the only way to obtain this information is to manually open each individual transaction in their portal and enter the details into a spreadsheet by hand. This is not feasible due to the volume of transactions. Additionally, the portal only displays fees approx rather than the actual fees charged, and there is no deposit mapping that links individual sales to the deposits made into my account. Because of this, I have no way to verify that I have been paid for all transactions or that the fees assessed are accurate. The lack of itemized fee disclosure and the absence of deposittotransaction mapping make proper reconciliation impossible. Expecting a merchant to manually reconstruct thousands of transactions using incomplete and approximate data is unreasonable and prevents me from meeting my accounting and tax obligations. I am requesting CFPB assistance because the provider is refusing to supply the basic transactionlevel records necessary to verify payments and fees. I have contacted Quick Accept multiple times throughout the year by phone, and I submitted a written request on XX/XX/XXXX. Each time, I was told that manually reviewing each transaction is the only option. No one has addressed my concerns about being provided only approximate fees, and no one has responded to my requests for deposit mapping. I still do not have access to the information required to reconcile my sales and verify the accuracy of the fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AdvantageFirst Lending Inc.
State: AL

Complaint narrative:
I applied for a refinance with Advantage First Lending. I signed initial disclosure documents but did not sign any closing documents. During a phone conversation today XXXX XX/XX/2026, the loan XXXX, XXXX XXXX, pressured me to proceed with the refinance and stated that in six months we can attack the interest rate, implying a future interest rate improvement if I moved forward. I asked for this statement to be put in writing. XXXX XXXX stated that he could not put this in writing by law. I found this concerning, as material statements were made verbally but refused in writing. When I informed the company that I did not wish to proceed with the refinance, I was told that my decision was a waste of time for his team and company. Instead of a straightforward cancellation, I experienced continued pressure. I requested written confirmation of cancellation and clarification of the statements made, but the company did not provide the requested information in writing. I am submitting this complaint due to pressure tactics, verbal representations regarding future interest rates, and refusal to provide requested information in writing during the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: VA

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 2026-02-24 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: NC

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 2026-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
My mortgage was transferred from XXXX to Carrington on XX/XX/year>. Carrington sent me an email on XX/XX/year>, to go online and register on their website. Then Carrington sent me and email on XX/XX/year>, welcoming me to Carrington. Carrington sent me an email to download a document from their website, which was about their XXXX Program. Document stated : Carrington has received your request and completed the enrollment process for the Monthly XXXX XXXX. The first draft date will begin on XX/XX/year>. For {$1300.00}. While I was on Carrington 's website, I seen they offered Bimonthly payments, so I requested it, had to set it up on their website. Carrington sent me another email for another document on their website, which was the Biweekly document dated XXXX, 2026. It stated : Carrington has received the XXXX change which will take effect as of XX/XX/year>. XX/XX/year>.... Carrington did not tap my bank account for the {$1300.00}. On XX/XX/XXXX I phoned Carrington and the first person I spoke with was was very difficult to deal with, so she handed me off to a higher up person. He basically told me because I submitted for the Biweekly payments it cancelled my XX/XX/XXXX Payment. No where in any of their documents does it state this! After speaking with the person, I was informed the {$1300.00} payment still has to be paid and I have to use a third party service to pay it! I went online and paid {$700.00} on XX/XX/year>. Carrington emailed me on XX/XX/year> to download a document. The document dated XXXX XXXX stated I owed Carrington {$2600.00}. On the document it showed my {$700.00} as unapplied funds. Also Carrington withdrew {$700.00} from my checking account on XXXX, XXXX, 2026. This {$700.00} didnt show on this document as it was dated XX/XX/year>, but Carrington notified me on XX/XX/year> of this document on their website. XXXX XX/XX/year>, I used Carringtons third party service to send another payment of {$630.00}, in and effort to resolve the {$1300.00} Carrington did not take from my checking account as their document on XX/XX/year> stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
I am filing a complaint against Trident Asset Management LLC regarding an alleged debt they claim I owe. Account Number : XXXX ( XXXX ) Reported Balance : {$770.00} Date Opened : XX/XX/year> Date Last Reported : XX/XX/year> I do not acknowledge or admit owing this debt, and I do not recognize Trident Asset Management LLC as a lawful creditor. I formally disputed this account and requested full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Texas Finance Code Chapter 392. Specifically, I requested : A copy of the original signed contract or agreement creating the obligation The name and address of the original creditor A complete itemization of the alleged {$770.00} balance Proof of legal standing, including full chain of title/assignment Copies of any judgments ( if applicable ) To date, they have not provided proper validation demonstrating that I owe this debt, that the amount is accurate, or that they have legal authority to collect it. Despite the dispute, the company may be continuing collection efforts and/or credit reporting without first providing validation. This may constitute violations of : Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f, 1692g ) Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Texas Finance Code 392.202 and 392.304 If this account is being reported to any consumer reporting agency, it must be marked as disputed and properly investigated. Reporting unverified or inaccurate information is harmful to my credit. I am requesting that Trident Asset Management LLC be required to : Provide full and proper validation of the alleged debt ; OR Cease all collection activity permanently ; Delete the tradeline from all consumer reporting agencies if they can not validate the debt ; Ensure the account is properly marked as disputed. I am requesting a full investigation into this matter and appropriate corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
BSI Financial has repeatedly ignored my requests for information related to a loan assumption which is in underwriting currently. They've supposedly escalated this to management, and despite them telling me that this would be addressed, there has been no follow-up or information from them in over a week.

Company response to consumer: Closed with explanation