vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: Central Research Inc
State: IL

Complaint narrative:
Central Research XXXX ( XXXX ) acquired the servicing of our XXXX loans in XX/XX/year>. CRI failed to notify us of the change in servicers. CRI sent all correspondence via USPS mail to a former XXXX XXXX XXXX address that had previously been updated with the prior servicer " XXXX ''. Payments for these loans were made on time to XXXX until XX/XX/year> when XXXX refused to accept any additional payment through the XXXX XXXX XXXX XXXX XXXX. We inquired with XXXX via email twice and USPS mail twice but received no response from them regarding the payment refusal. It wasn't until XX/XX/XXXX that I discovered several thousand complaints about a company called CRI regarding their handleing of student loans recently aquired. Many of the complaints found online in chat rooms like " XXXX '' & " XXXX '' described multiple instances of lack of notice, refusal to address payment processing, and assorted other service issues. I called CRI and was able to inquire as to the Student loans we were attempting to pay. Speaking with CRI agents it was determined that they did in fact have the servicing, and had obtained it XX/XX/year>. It was also determined that all notices of the switch were sent to the wrong address. This led to multiple attempts to correct the address, make payment, and remove any derogatory credit reporting. On or about XX/XX/XXXX after several fruitless phone conversations the accounts were brought current in full, the address was corrected by a supervisor although even today it still shows incorrect in the online portal, and a request to remove derogatory credit payments was placed. The supervisor at that time stated that we could request a correct to payment history, but the department responsible would not do it. She was correct, they have not removed derogatory reports even as of today. Had CRI sent appropriate notice to us we would have made the adjustment and paid on time. the fault lies with CRI for not making any effort to contact the borrower and explain the situation. Furthermore not one time did CRI attempt to collect any of the overdue payments. Which has resulted in worsening the situation for the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Issue : Mortgage Servicer Overcharging Escrow and Failing to Correct After Notice I am filing a complaint against Newrez LLC for failing to correct an escrow error that is causing ongoing overcharges to my mortgage payment. I previously submitted a formal Notice of Error under RESPA, but the issue remains unresolved. The servicer is including a {$3100.00} property tax amount in my escrow analysis that does not belong to my loan. This amount relates to a separate parcel that is not escrowed, was paid outside of escrow, and was previously refunded. As a result of this error, my actual monthly mortgage payment increased from {$1800.00} to as high as {$2300.00}, an increase of approximately {$490.00} per month. This has resulted in approximately {$850.00} $ XXXX in overpayments over the past two months, and the servicer continues to collect inflated payments. Despite being formally notified, the servicer has : Failed to remove the incorrect tax obligation Failed to correct the escrow analysis Continued collecting excessive escrow payments I am requesting : Immediate correction of the escrow analysis Removal of the incorrect tax amount Recalculation of my monthly mortgage payment Refund of all escrow overpayments caused by this error This is a servicing error and a failure to correct after formal notice, resulting in ongoing financial harm. I am requesting prompt review and resolution.

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 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing multiple late payment entries on a single account that appear to be the result of billing and reporting errors. Payments I made were not properly recorded, and there are clear calculation discrepancies in the amounts being reported. Additionally, I was not provided with the required 21-day notice before the payment due dates, which calls into question the validity of any reported late payments. These issues do not comply with TILA ( 15 U.S. Code 1666 ( b ) ) and are unfairly damaging my credit standing.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, a fraudulent message impersonating Cash App was received. A link within that message was clicked ; however, no transaction was authorized, approved, or knowingly initiated. Shortly thereafter on XX/XX/year>, a notification was received indicating that the account had been accessed from a new device located in California. The account holder was located in New York at the time and did not initiate or authorize this login. Immediately following this unauthorized access on XX/XX/year>, a {$300.00} transaction was executed and sent to another individual without the account holders knowledge or consent. The incident was reported to Cash App on XX/XX/year>. A formal dispute was subsequently opened on XX/XX/year>, and all requested information and supporting documentation were provided. On XX/XX/year>, additional information was requested by Cash App and was promptly provided. On XX/XX/year>, Cash App denied the claim and classified the transaction as authorized, despite clear indicators of account compromise, including the out-of-state login and immediate transfer of funds. Following the denial, Cash App has made multiple attempts to collect or debit funds related to this transaction from the linked bank account, while the transaction remains disputed. This matter involves an unauthorized electronic funds transfer resulting from account takeover. The transaction was not initiated or approved by the account holder, and the denial does not reflect the evidence provided. Resolution requested : reversal of the {$300.00} transaction and cessation of any debit or collection activity related to this disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i was looking at my credit report and saw 1 account that was not authorized by me they are fraudulent WFBNA CARD XX/XX/year> Please investigate and remove the is account

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 2026-05-05 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: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
In XX/XX/year>, I received five refund credits from XXXX retail stores posted to my SoFi checking account ( ending in XXXX ) totaling {$2000.00}. These credits resulted from in-store returns where XXXX staff refused to issue cash refunds or apply credits to a gift card, leaving XXXX XXXX as the only available refund method. The credits posted as follows : XX/XX/year> XXXX # XXXX : {$540.00} XX/XX/year> XXXX # XXXX : {$350.00} XX/XX/year> XXXX # XXXX : {$760.00} XX/XX/year> XXXX # XXXX : {$200.00} XX/XX/year> XXXX # XXXX : {$160.00} On XX/XX/year> approximately one month later five corresponding debits totaling {$1800.00} appeared on my account, reversing most of the credits. I did not authorize these debits. I contacted SoFi, and a SoFi representative confirmed that these debits were the result of chargebacks initiated by XXXX. I filed a formal dispute and appeal with SoFi. On XX/XX/year>, SoFi issued a final determination denying my claim. SoFi recharacterized the XXXX debits as a settlement delay claiming the XXXX credits were posted before settlement cleared and the XXXX debits simply reflected delayed settlement from XXXX. This explanation is inconsistent with the facts for several reasons : 1. A legitimate settlement delay would not produce new, separate debit line items appearing one month after the original credits. Settlement reconciliation occurs internally and would not appear as distinct negative transactions. 2. SoFis own representative previously confirmed these were merchant-initiated chargebacks directly contradicting the final determinations settlement delay characterization. 3. SoFi did not provide the network transaction type codes or chargeback reason codes for the XXXX debits, which would definitively resolve whether these were chargebacks or settlement entries. I have requested this documentation. 4. Under Regulation E, the burden is on the financial institution to demonstrate that no error occurred. SoFi has not met that burden it has simply recharacterized the transactions without producing supporting network documentation. I am requesting that the CFPB require SoFi to : ( 1 ) produce the network transaction records and reason codes for the XX/XX/XXXX debits ; ( 2 ) reverse the {$1800.00} in unauthorized debits ; and ( 3 ) reconcile the conflict between their representatives prior statement and the final determination. I have bank statements documenting both the XXXX credits and the XXXX debits and am prepared to provide all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN COMPANY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I am submitting this complaint regarding unauthorized credit card accounts opened in my name without my knowledge or consent and the lenders failure to meet its obligations under the Fair Credit Reporting Act ( FCRA ). While I was married, my XXXX XXXX opened one or more credit card accounts in my name without my authorization. I did not apply for these accounts, did not use them, and was unaware they existed until after she stopped making payments and I began receiving late and delinquency notices. I reported this matter to Chase as fraud and identity theft and formally disputed the accounts. Chase rejected my claim, stating that because prior payments were made from a joint bank account, the accounts are not considered fraudulent. This rationale is incorrect and inconsistent with FCRA standards. Payment from a joint account does not establish that I authorized the opening of credit in my name or had knowledge the accounts existed. Under the FCRA, furnishers are required to conduct a reasonable investigation when a consumer disputes the accuracy or authorization of an account. I specifically requested that Chase review objective application and transaction data, including IP addresses and other identifying information associated with the credit applications and account activity, to determine whether I was involved. Chase has not provided evidence that I applied for or authorized these accounts, nor have they demonstrated that a reasonable investigation was performed. Despite my dispute, negative information related to these unauthorized accounts is being reported and/or threatened to be reported to the credit bureaus. As a result, I am being held responsible for debt I did not knowingly incur, causing ongoing credit and financial harm. I am requesting CFPB intervention to ensure compliance with the Fair Credit Reporting Act, including : A proper and documented reinvestigation of the disputed accounts Removal of unauthorized accounts from my responsibility Correction and suppression of any inaccurate or adverse credit reporting Confirmation that lack of authorization to open credit can not be overridden solely by payment source The lenders current position improperly conflates access to shared funds with consent to open credit, which does not meet FCRA requirements for accuracy or reasonable investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I received a garnishment order open look like it came off a fax machine nit delivered by a legitimate legal authority or public legal document server or such as a legal order server or sheriff or officer of the court or legal system Received an open notice that I owed XXXX dollars on a debt it didn't specify to Midland credit in like if XXXX XXXX. The judgement was granted by some judge in another county that did not contact me and allow for due process and legal cour service for. An amount over felony of XXXX in Oklahoma. The company XXXX XXXX called XXXX XXXX and XXXX no XXXX uei or legit verdict or verification the document was from the court and paid Midland credit my money in a illegal and un founded claim if owed money and garnishment. Again no green stamps cold be provided no court server or sheriff of legal actions served it the boss handed me an open form that said you owe and garnishment my wages. The company was XXXX XXXX store in XXXX XXXX XXXX XXXX I was employee there and they fulfilled the Midland credit request by ohine verification and I had no due process no legal XXXX no way to fight the garnishment with a five day lead time to react. The document said to have contained eight pages and was only 2 page were given to me if the package. I field a legal complaint and about two weeks before the court date the XXXX suspended me for supposedly XXXX XXXX XXXX priors and no longer had the money to keep up the lawsuit I filed in XXXX XXXX the original service was California and the pass the buck thie in the high transpired instead of a legit invesirged by the courts and I would like to talk about getting my money back form this illegal and outside the legal statute if limitations that is XXXX years and the said debt was XXXX plus years old

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

Complaint narrative:
I am filing a complaint regarding a dispute handled by Capital One that was improperly denied. I was charged {$770.00} by XXXX XXXX for a flight. The flight was canceled, and I was issued credits, which I later used for a second booking. That second flight was also canceled, and additional credits were issued. At this point, I am unable to access or use any of those credits. The airline has ceased operations and announced refunds would be issued, yet I have not received any refund. This means I have not received the service paid for, nor do I have access to the value of my purchase. Despite providing documentation, Capital One denied my dispute and closed the case. I am requesting a formal review of this matter, as it constitutes a clear case of services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a frustrating situation with this Bank just for tried to make a transfer to pay for goods, literally tried to pay with an transfer to a business " Total tools '' for products that need to acquire but when tried to make the transfer an alert and block appears just for that, called many times to phone support and wires phone support for able to fix it and explain that if the problem are for the transaction please cancel, so on the phone line are a lot of noise and the banker just not understand anything and refuse to restore my online banking access so after that I will go to branch and they required my ID and some details but just said " call to this phone department because the alert is placed for this department '' the phone department is XXXX so after that I called and they said that need to go again to branch, so this is a joke?, I just tried to make a transfer with my money and this bank just blocked my online access simply for this?, is a joke?, I need the restoration of my online banking!!!

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX 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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On Saturday, XX/XX/year>, I had a total of {$340.00} sitting in my XXXX account. On Sunday, XX/XX/year> at XXXX XXXX EST, I received an email stating that your XXXX instant transfer has been sent and it stated that {$340.00} had been transferred to a XXXX Personal Checking account with a number that I dont recognize. I dont even have any XXXX bank accounts. On Sunday, XX/XX/year> at XXXX XXXX EST, I received another email from XXXX telling me that my XXXX XXXX XXXX account has been added and verified. This account number matches the one on the email alerting me to the instant transfer. This account is not mine. I immediately called XXXX and opened a dispute with them on Sunday, XX/XX/year>. At XXXX XXXX EST on XX/XX/year>, I received an email denying my XXXX dispute. I immediately called XXXX to find out why my dispute was denied and they were not able to answer my question. They gave me an email address to inquire why my dispute was denied. I sent an email to that address and it bounced back to me. I appealed my denied dispute with XXXX. They told me there was no one I could speak with in the appeals department. They said everything is done via email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I visited a Citizens Bank branch to open a checking and savings account and receive a {$400.00} promotional offer advertised on the bank 's website ( conditions : open both accounts same day, receive a $ XXXX direct deposit within 60 days, and deposit $ XXXX for three consecutive months ). The branch staff said they could not apply the promotion in-branch and directed me to apply online. I applied online the same day but received a rejection email from Citizens Bank stating they were unable to open my account based on the information provided, and suggesting I try a branch instead. I called Citizens Bank customer care the same evening ( approximately XXXXXXXX XXXX ). After explaining the situation, I was transferred to a sales supervisor who acknowledged my online application had been rejected. He explicitly told me to go to a branch, open the account, call back, and that he would coordinate with the marketing team to apply the promotional offer to my account. Based on this assurance, I opened the account in-branch on XX/XX/XXXX. I called customer care on XX/XX/XXXX where I spoke with the marketing team where they told me they cant help apply this offer and was told to contact the sales team. On XX/XX/XXXX, I spoke with the sales team and their supervisor for approximately one hour. They acknowledged the miscommunication on the bank 's part but said no exception could be made and that the promotion only applies to online account openings the same channel the bank had already rejected my application through. I would not have opened this account without the explicit assurance from the sales supervisor. I am requesting that Citizens Bank honor the {$400.00} promotional offer as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
OneMain financial added on home/auto policy on my loan that they never told me I was paying monthly for through the loan. I took the loan out in XXXX.

Company response to consumer: Closed with explanation