vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 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: Experian Information Solutions Inc.
State: MA

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 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I sent {$100.00} to a contact in my cash app. I was unaware that the individual had made a new cash app I sent {$100.00} and then I was notified that the person no longer had that cash app I immediately called XXXX XXXX asked them to refund the money back to me so I could get it to the right account and they refused so I tried to call again on two other different occasions I believe and they still have not sent me my {$100.00} back it is not fair that I had to wait and that I'm having to go to this extreme to be able to just to get my money back because cash app refuses to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2026, I requested SCRA benefits to be applied for my Auto loan with Regional Acceptance. I provided the applicable documentation to include, Military orders, Command verification letter, Enlisted contract, and my contact information to include address, phone number, email and contact information for my command. Since then i have not received any correspondence pertaining to my request. I called again on XX/XX/2026 and was told that someone would get in contact with me as they said previously and still nothing. I am requesting assistance on this because this company refuses to communicate and comply with my request under the SCRA Ohio provision. Thank you!

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

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 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
A confirmation that my application is considered 'facially complete ' under RESPA Regulation X. A definitive decision ( approval or denial ) on the Deed in Lieu. The paperwork for the Deed in Leui was received by Freedom Mortgage on XX/XX/year> via registered mail. A clear explanation for the delay, as the 30-day federal window for evaluation has expired. Despite these requests, the company has only provided verbal 'circle the wagons ' responses and has failed to provide the legally required written status of my file. I have sent an entire packet to Freedom mortgage which included XXXX XXXX, two months of bank statements, two years of tax returns, proof my house was on the market for 55 days, proof of the cancellation of the house off the market, proof of my limited income, proof of letter for social security award starting XXXX, XXXX. Some of these documents are included in the attachments.

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 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am writing to formally raise a complaint regarding my experience with SoFi Banks mobile check deposit process, which I believe is excessively dependent on an unreliable automated verification system and lacks adequate customer support alternatives. I attempted to deposit an income tax refund check through the SoFi mobile application using their standard process, which requires taking a photograph of the check. Despite making more than five attempts under well-lit conditionswith clear, high-quality images free from shadows or distortionthe application repeatedly returned an error stating that it was unable to verify the amount. Upon contacting SoFi customer support, I was informed that the backend image from their image processing system, is not generating a clear processed image from my submissions. I was instructed to continue retaking the photo as many times as it takes, which I find unreasonable and impractical, particularly given that the original photos are already clear and legible. As an alternative, I was advised to physically mark the four corners of the check to improve detection. I declined this option, as altering or marking an official financial instrument is not something I am comfortable doing and may not be appropriate. I further requested that SoFi manually review the submitted images, since the raw photos are clear and readable to the human eye. However, it appears that no such manual verification option is available, and the process remains entirely dependent on automated image recognition. My concern is that customers are effectively blocked from accessing basic banking services due to limitations in SoFis technology, with no viable fallback or escalation path ( I have also filed a formal complaint with the bank too ). Requiring customers to repeatedly retry a failing process without offering manual intervention places an unreasonable burden on the consumer. I respectfully request that this issue be reviewed, and that SoFi be encouraged to : Provide a manual verification option when automated processes fail or Improve the reliability of their mobile deposit system Thank you for your attention to this matter. I have attached the response that I have received from the SoFi and also the photo that I am able to take it from my phone in the same environment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Credit card ending XXXX I am writing to formally escalate a serious concern regarding my recent experience with Capital One, specifically related to account setup, customer service interactions, and verification processes. While I recognize and support the importance of fraud prevention and identity verification, my experience has been marked by inconsistent communication, conflicting information from representatives, and a lack of transparency, which has significantly eroded my confidence in your processes. Summary of Key Issues : Conflicting Information During Account Setup : I applied for a Venture card on XX/XX/year>. During subsequent calls, I received contradictory statements regarding when my card was issued, including a claim that it was sent prior to my application datean issue that was never adequately explained. Redundant and Burdensome Verification Process : After completing identity verification ( including submission of passport and biometric selfie ), I was later asked to provide additional documentation ( drivers license, proof of address, and bank statements ), despite having already been verified and actively using the card. Inconsistent and Unclear Justifications for Account Restriction : Following normal usage activity, my account was flagged during a transaction. Since then, I have received varying explanations from different representatives, including transaction size concerns and unspecified verification requirements. Lack of Proactive Communication : On XX/XX/XXXX, I was informedonly after initiating contactthat my verification had failed due to a perceived income discrepancy. No proactive outreach was made to communicate this decision or request clarification. Clarification on Income Assessment : The discrepancy cited does not accurately reflect my financial profile : Bank statements reflect net income, not gross compensation Additional compensation ( bonuses and equity ) is not captured in routine deposits A more complete income assessment would require review of formal tax documentation ( e.g., XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Stark Collection Agency, Inc.
State: OK

Complaint narrative:
With no notice my perfect credit score was tanked. After contacting the Stark Agency I was informed that the debt was for a previous internet provider. The provider had turned off auto pay yet continued to bill me for a service that was not provided. I paid the illegitimate debt to protect my perfect credit as the Stark Agency said that they would remove the marks against my credit. One month later Stark Agency still hadnt held up their end. I called Stark Agency who then charged me {$1.00} to pull my credit report. After review they then informed me that I would need to pay them {$190.00} to have the 3 credit agencies fix my credit report and that I would need to pay them {$30.00} per month during the dispute period which would last 3 months. After verifying that I was being asked to pay Stak Agency to dispute themselves I was told that they were a different company all while speaking to the same person for over an hour without being transferred or put on hold.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am disputing the balance of Loan # XXXX under the FTC Holder Rule ( 16 C.F.R. 433 ). My installer, XXXX XXXX, is bankrupt and in breach of contract. The system was sold with a XXXX XXXX production guarantee, but XXXX monitoring shows a 17 % deficit ( only XXXX XXXX produced in XXXX ). Furthermore, a contractually mandated 3rd-party insurance policy ( XXXX XXXX ) was never provided. As the holder of the contract, XXXX XXXXSolar Servicing LLC is liable for these seller breaches. I have already paid {$16000.00} toward a {$42000.00} contract that was not fulfilled. I am seeking a {$15000.00} principal reduction to reflect this loss of value.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I applied for a XXXX XXXX XXXX card on XX/XX/year>. Application was immediately denied. Letter came a week later indicating it was due to elements associated with fraud. I called the FNBO to get more information and they will not provide anything other than this. I have excellent credit and there is absolutely no reason why I shouldnt be able to get a card, so I am very concerned that it seems like someone has been using my personal information to fraudulently apply for a card. This company will not give any information nor is there any way to dispute the denial, which not only prevents me from having knowledge about unauthorized use of my information, but also gives the company cover to deny an application for any reason, call it fraud, and then refuse to explain themselves. And that is an unfair business practice. They didnt even pull my credit report, which means they are going strictly on the minimal information that they asked for in the application, which is just basic personally identifiable information like name, address, SSN, DOB , employer, and salary. So if any of those elements have been used in a fraudulent application, I should have a right to prove who I am and find out that information. I mean if my SSN was used in a fraudulent application and companies dont give you the opportunity to prove that you are who you say you are, how am I ever supposed to get credit?

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 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Sent validation letters on XX/XX/year> to the following creditors : XXXX XXXX XXXX, Account number : XXXX of {$890.00} XXXX XXXX XXXX XXXX XXXX VA XXXX Midland Credit Management Accounts : XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management Accounts : XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received a response for these accounts and therefore would like for these accounts to be removed from my credit report. Attached are the mail receipts and the letters I sent requesting verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau Complaint Company : Synchrony Bank / PayPal Subject : Failure to Conduct Reasonable Investigation, Inaccurate Credit Reporting Demand for Immediate Deletion I am filing this complaint against Synchrony Bank regarding the continued reporting of a disputed Synchrony/PayPal account on my consumer credit reports. The disputed tradeline is reported as : * SYNCB/PAYPAL This account is inaccurate, misleading, incomplete, and unverifiable. Synchrony continues furnishing derogatory information despite failing to provide competent documentary evidence substantiating the validity and accuracy of the account. The reporting contains inconsistent delinquency history and unreliable furnishing data that materially damages my creditworthiness. I dispute this account in its entirety and demand immediate deletion unless Synchrony Bank can fully validate the tradeline through competent documentary evidence. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate information. Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a meaningful investigation after receiving notice of dispute. Under 15 U.S.C. 1681e ( b ), furnishers and reporting agencies must maintain maximum possible accuracy. Under 15 U.S.C. 1681i ( a ), unverifiable information must be deleted after reinvestigation. Synchrony has failed to provide : * Original signed agreement; * Full account statements; * Complete payment history ; * Itemized balance calculations; * Documentary proof supporting the derogatory reporting; * Method of verification used after dispute. Automated XXXX responses and superficial database verification procedures are insufficient under the FCRA. The continued furnishing of disputed and unverifiable information after notice of dispute may constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o.

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 2026-05-11 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: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year> my account /card with chime bank was hacked or comprimised. They were able to steal XXXX from my account before chime contacted me saying fraud was detected. I spoke with them and they said they will take care of it. Here it is today XX/XX/year> I get a message saying dispute denied no billing error occurred and case closed nuthing they can do. This is inacceptable they refuse to provide any info about this just that my money is gone oh well. I kno it a little a mount of money but its my money and I trusted this company with it and they do this smh.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
You can use this updated version : While traveling in XXXX, I lost my phone, credit card, and identification. After these items were lost, unauthorized charges totaling approximately {$25000.00} were made on my Bank of America credit card. When I initially reported the fraud, the representative incorrectly documented that I still had possession of my credit card. This information was inaccurate. I clearly explained that my phone, credit card, and identification had been lost. Because my phone was also missing, it is possible that an unauthorized person had access to verification codes or account information, which may explain how the transactions were processed. My fraud claim was denied based on the incorrect information recorded in the original report. I did not authorize these charges and did not give anyone permission to use my card. This is now the second time I am requesting this information and asking for my case to be properly reviewed. I also have documentation from my XXXX insurance provider confirming that I filed a claim for my lost phone. Based on this information and supporting documentation, I respectfully request that Bank of America please review and reopen my fraud case again using the correct facts.

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 2026-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
The company is submitting false information the account is reporting late payments when the account was under forbearance, The account also was never in foreclosure.and the home has sold and is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX XXXX XXXX Access Failure and Request for Annual Fee Refund Dear Capital One Customer Relations, I am filing a formal complaint regarding an unacceptable experience at the Capital One XXXX at XXXX XXXX XXXX on Monday, XX/XX/year>. I am a XXXX XXXX cardholder and pay the {$390.00} annual fee largely because of the premium travel benefits and lounge access associated with the card. Despite this, I was denied lounge access after lounge staff incorrectly claimed that I was not the primary account holder on my XXXX XXXX account. While standing at the lounge entrance, I contacted Capital One customer service on speaker phone. Your representative confirmed directly that I am the primary account holder on the account. However, the lounge staff and management refused to speak with Capital One customer service to verify the information or help resolve the issue. Instead of attempting to de-escalate the situation or provide a reasonable verification process, the interaction became increasingly confrontational and embarrassing in front of other travelers. Multiple managers became involved, and I was ultimately left with the clear impression that security was about to be called if I did not leave. What makes this situation even more frustrating is that I have successfully accessed this same Capital One XXXX at XXXX XXXX XXXX at least XXXX times already this year using the exact same account and card. This strongly suggests the issue originated from Capital Ones internal lounge verification systems or operational processes rather than any issue related to my account status. I contacted Capital One again afterward, and your representative again confirmed that I am the primary account holder. However, they still could not assure me that I would reliably be granted lounge access in the future despite confirming my eligibility. At no point did anyone from the lounge staff attempt to reasonably resolve the contradiction between the lounge denial and Capital One customer service confirming my account status. I am specifically concerned that Capital One lounge personnel appeared either unable or unwilling to verify account status with Capital One customer service in real time, leaving customers vulnerable to arbitrary denial of paid premium benefits. At this point, I no longer have confidence that the premium benefits associated with the XXXX XXXX card will function reliably when traveling. For that reason, I am formally requesting a refund of the XXXX XXXX annual fee due to this experience and the failure to properly support or resolve the situation. I also request that this incident be reviewed internally with the XXXX XXXX XXXX XXXX so that other customers are not subjected to similar treatment. Capital One Case Reference number : XXXX The incident was recorded as part of the Customer Service Call. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation