vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am disputing an account reported by LVNV Funding on my credit report. I do not recognize this debt and have not received proper validation of the alleged obligation. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request full validation of this debt including the original signed agreement, complete payment history, and documentation proving LVNV Funding has the legal authority to collect this debt. Despite the lack of validation, LVNV Funding continues reporting this account to the credit bureaus which is damaging my credit profile. If LVNV Funding can not provide sufficient documentation verifying this debt, I request the immediate removal of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
I am a borrower on mortgage loan # XXXX. On XXXX XXXX, 2026, I sent a formal Notice of Error ( NOE ) and Qualified Written Request ( QWR ) via Certified Mail to AmeriHome Mortgage Company , LLC at their designated address in XXXX, GA. According to XXXX tracking, the letter was delivered and received on XXXX XXXX, 2026. Under 12 CFR 1024.35, the servicer was required to : Acknowledge receipt within 5 business days. They failed to do so. Investigate and provide a substantive written response within XXXX business days. This deadline expired in late XXXX 2026. As of XXXX XXXX, 2026, I have received no substantive response or resolution regarding the errors identified ( incorrect trial payment calculation and interest rate ). This failure to respond constitutes a direct violation of RESPA and Regulation X. Furthermore, I am attempting to resolve this hardship by renting the property to military families at the nearby XXXX XXXX XXXX XXXX, but XXXX refusal to communicate or acknowledge my legal requests is preventing me from implementing this loss mitigation strategy. I request that the CFPB compel XXXX to : Immediately respond to my Notice of Error. Suspend all foreclosure activity while this investigation is pending. Acknowledge my proposed rental plan as a viable path to loan reinstatement. '' And they simply stated in a letter we stand by our first loan modification and can not basically do anythign for me but did not use a different team of people to go over my loan again.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Hello, I am filing this complaint about Sunrise Credit Services for reporting an unverified debt on my credit report. I disputed this account and requested to receive proper validation. The company responded only with a billing statement showing my name and a balance. They did not provide any contract, service agreement, or any documents showing I opened this account or agreed to the debt. Despite the lack of proper validation, the company still continues to report this account to the credit bureaus. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a billing statement alone does not constitute proper validation of a debt.

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I paid off our mortgage via phone on XXXX XXXX. I received a letter stating and overage payment of XXXX cents. Again XXXX cents. I received a check for XXXX cents on XXXX XXXX Additionally, in said statement, I have an escrow in the amount of {$2900.00} that I should have received at the time of the XXXX XXXX cents. I HAVE YET TO RECIEVE THAT CHECK! I have called RUSHMORE SERVICING MORE TIMES THAN I CAN COUNT. They have yet to reissue a check through their expediting department to no avail. Those escrow funds have been saved to pay for property and school taxes. I currently have a property/township tax due by the end of the month. I am at wits end. I'm begging for help.

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: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am submitting this update regarding my complaint against SoFi Bank concerning the disputed {$330.00} XXXX transaction associated with XXXX XXXX # XXXX. In SoFis response dated XX/XX/year>, the bank stated that my dispute was denied because the merchants documentation showed that the voucher was redeemed. The bank also advised that I should continue working directly with XXXX to resolve the matter. Following SoFis recommendation, I continued communicating with XXXX escalation team regarding this issue. XXXX again confirmed that the service associated with the voucher was never rendered. During their review of my case, XXXX attempted to process the remaining refund of {$330.00} to my original form of payment. However, in a follow up email from XXXX regarding XXXX XXXX # XXXX, their escalation team explained that although a refund request was initiated on XX/XX/year>, the refund did not successfully complete within their system and therefore was never transmitted to my financial institution for processing. This means that no refund was ever sent to my bank and no credit has been posted to my SoFi account. As a result, I still have not received any refund or value for the transaction despite the fact that the merchant has confirmed that the service was never provided. SoFis response indicates that the dispute can not be reconsidered and that I should continue working directly with XXXX. However, XXXX has already confirmed that the service was not rendered and that the attempted refund did not successfully transmit to my financial institution. Because the refund was never sent to the bank, there is no refund for SoFi to post to my account, and the underlying dispute remains unresolved. I am requesting that SoFi reopen and properly review this dispute in light of the updated information confirming that the service was not rendered and that the refund attempt was never transmitted to my financial institution. I have still not received a refund or credit for this transaction and am seeking the appropriate resolution for services that were never provided.

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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Complaint Against Santander Bank ATM Deposit Error I am filing a formal complaint regarding an ATM deposit error and the handling of my claim by Santander Bank. On XX/XX/year>, at approximately XXXX PM, I attempted to deposit {$600.00} in cash at ATM machine XXXX located at XXXX XXXX XXXX XXXX, XXXX, NY. During the transaction, the ATM accepted the cash but the transaction timed out and the funds were never credited to my account. Earlier in the same session, I had successfully deposited {$800.00}, which was credited correctly. However, the subsequent {$600.00} deposit was not processed even though the ATM retained the cash. I immediately contacted Santander Bank to report the issue and opened a claim. The claim number provided by the bank is XXXX. Santander initially issued a provisional credit of {$600.00} to my account while they conducted an investigation. Later, the bank reversed the provisional credit and informed me that their investigation concluded the ATM did not show excess funds and that camera footage did not confirm the deposit. They also stated that because I do not have a receipt, they would not reopen the claim or conduct any further investigation. I strongly dispute this outcome. The ATM retained my {$600.00} cash deposit and the bank has failed to properly resolve the error. As a consumer, I reported the issue immediately and provided all details available, including the time, location, and ATM machine number. The lack of a receipt should not invalidate my claim, especially since ATM errors are known to occur and are documented electronically by the bank. I am requesting that Santander Bank : XXXX. Reopen and conduct a full investigation of this ATM deposit error. XXXX Review the ATM transaction logs and balancing records for machine XXXX on XX/XX/year> around XXXX PM. XXXX. Restore the {$600.00} that was taken by the ATM and never credited to my account. I respectfully ask for assistance in resolving this matter, as the bank has refused to reopen the claim despite the fact that the ATM retained my funds. Thank you for your attention to this complaint.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this formal complaint against Citibank regarding the freezing of my bank account and the withholding of my funds without reasonable explanation, despite my successful identity verification. On XX/XX/year>, Citibank representatives verified my identity using the phone number and email address associated with my account by sending verification codes via text message and email. My account information has not changed, and my identity was confirmed at that time. However, on XX/XX/year>, Citibank suddenly claimed they were unable to verify my identity and blocked my access to my account and funds. This occurred even after I visited a Citibank branch in person, where I presented my California Drivers License, my Citibank debit card, and successfully provided my PIN number to a bank teller. Despite verifying my identity in person, Citibank employees refused to restore my access to my account or release my funds. These funds consist of direct deposits from my employer, and XXXX refusal to provide access to my money has caused significant financial hardship and emotional distress. Because of this action, I am currently unable to pay my rent and other essential bills in a timely manner. During my attempts to resolve this issue, I spoke with XXXX, a Security Department Manager, who refused to assist me or escalate my concern to a higher-level manager. I also spoke with several other Citibank associates, including a branch teller and branch manager, who failed to provide any reasonable explanation or resolution. Citibanks actions are unacceptable. I am requesting the following : 1. Immediate restoration of access to my account and funds. 2. A written explanation as to why my account was frozen despite successful identity verification. 3. Compensation or remediation for any financial damages caused by Citibanks actions, including late fees or penalties resulting from the inability to access my funds. If this matter is not resolved promptly, I am prepared to pursue further action through the appropriate regulatory agencies, including the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency. I expect a prompt investigation and resolution to this matter. 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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). A collection account currently being reported on my XXXX and XXXX credit reports was previously disputed with XXXX. After conducting an investigation under FCRA 611 ( 15 U.S.C. 1681i ), XXXX deleted the account from my credit report. Despite the deletion by XXXX following its investigation, XXXX and XXXX continue to report the same account as verified and accurate. This creates clear inconsistencies between the national consumer reporting agencies and raises serious concerns regarding the accuracy and verification of the information being furnished and reported. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information they report. Continuing to report a collection account that has already been deleted by another major consumer reporting agency after investigation calls into question whether reasonable procedures were followed. Additionally, under FCRA 611 ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information contained in their credit file. If the information can not be properly verified, it must be deleted. The continued reporting of this account by XXXX and XXXX despite the deletion by XXXX suggests that the information may not have been properly verified or that the investigation conducted was inadequate. I am requesting that XXXX and XXXX conduct a thorough and reasonable reinvestigation as required by the FCRA and remove this inaccurate collection account from my credit reports. Documentation showing the deletion of this account from my XXXX credit report has been attached for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check from my car crash settlement of {$47000.00} and they refuse to release the funds into my bank even though the whole date was for today and we were supposed to release the funds today XX/XX/year>. I deposited the check on XX/XX/year>. I keep getting told that they need to verify it and they havent been able to verify it even though Ive given them plenty of material numbers everything for myXX/XX/XXXX told me to give them so they can verify the check. I gave them a specific number of my XX/XX/XXXXtold me to give them for a check verification. They cant tell me the same thing over and over and over theyre not able to verify theyre not able to verify and they wont do any other outside sources myXX/XX/XXXXIve tried to contact them that wasnt good enough and they just give me the runaround. They dont have any communication. They never call me back and they just keep putting me off and putting me off and putting me off and it feels like they want to keep my money. I dont know if they can or not but I feel like Im gon na get screwed over by Chase XXXX Ive never had an issue with them until this and they close my account for fraudulent and Im just frustrated. I just went out of this bank. I wan na get my money and I wan na get a new bank account and I never wan na deal with Chase again.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding collection accounts being reported on my credit report by XXXX XXXX XXXX and XXXX XXXX XXXX for an alleged medical debt of {$1400.00}. These accounts do not belong to me and I believe I am a victim of identity theft. I did not open, authorize, or agree to the alleged debt being reported. I disputed the accounts and requested verification from the companies reporting them. The only documentation that appears to exist is a medical billing statement from XXXX XXXX XXXX XXXX XXXX that lists Cascade Capital Funding , LLC as the current creditor. This document does not demonstrate that XXXX XXXX XXXX or XXXX XXXX XXXX have the legal authority to collect or report the alleged debt. Despite my disputes and requests for verification, the companies have failed to provide competent documentation proving that I authorized or am legally responsible for the alleged debt. No signed agreement, application, or documentation showing a valid chain of assignment to the companies reporting the account has been provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ) ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy and conduct a reasonable investigation when disputed information is reported. Because the companies have failed to provide proper verification and I have reported that this account resulted from identity theft, the continued reporting of this account is inaccurate and harmful to my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian , alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, when Experian has neither corrected nor removed disputed items despite the evidence i have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I would also like to include law XXXX XXXX XXXX ( XXXX ) ( A ) as what has an active dispute is attached to me.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a Complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely, effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive because they did not comply with the 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 violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: CA

Complaint narrative:
I am filing this complaint because Citibank has engaged in deceptive billing practices, breached a written settlement agreement, and erroneously re-billed me {$7800.00} for a known " bait-and-switch '' credit card fraud. XXXX. The Original Fraud ( XX/XX/XXXX ) : I authorized several small cover charges ( approx. XXXX to XXXX JPY ) at a merchant named " XXXX XXXX '' using XXXX XXXX ( biometric authentication, no physical PIN ). The merchant subsequently manipulated the final settlement files, capturing exponentially higher amounts in USD ( e.g., changing a XXXX JPY tap to a {$1900.00} USD settlement ). XXXX. Citibank 's Favorable Resolution ( XX/XX/XXXX ) : I disputed the charges. Citibanks investigation agreed with me, and my XXXX statement explicitly stated : " THIS DISPUTE HAS BEEN RESOLVED IN YOUR FAVOR, '' permanently crediting the fraudulent markups. XXXX. The Written Settlement ( XX/XX/XXXX ) : A Citibank Wealth Advisor confirmed to me in writing that the dispute was resolved. Relying on this written confirmation from a bank agent, I invested {$13000.00} of my capital. XXXX. The Unjust Reversal ( XX/XX/XXXX ) : Without warning, my XXXX statement showed Citibank reversed the credits and absorbed {$7800.00} of my funds, labeling them " Valid Charges. '' Citibank based this reversal on a fabricated paper receipt from the merchant that falsely claimed a physical PIN was entered. Citibank 's automated dispute system is blindly accepting forged paper receipts from the merchant while refusing to pull their own internal digital EMV Cryptogram ( ARQC ) logs. Those digital logs will indisputably prove that the amount requested by the terminal at the time of my XXXX XXXX tap was in small XX/XX/XXXXYen, not thousands of US Dollars.

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