vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
I have paid them most recently XXXX dollar on XX/XX/XXXX. I have XXXX debts with them. XXXX of the XXXX debts was closed by them on my credit report. So I stopped paying that XXXX because they closed it. I pay XXXX dollars per month. I live in Washington state and my disposable income is paid weekly at XXXX per week. I make less than the minimal income for garnishment. The institution that is trying to garnish me without notice is XXXX XXXX XXXX XXXX have threatened to sue me for non payment before when I tried to work with them for alternate payment options when I can barely afford to pay them at all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX Servicing Corporation allowed their lawyers to auction off my property without giving me the heir qualifying documents such as successor-in-interest this is violation of Federal Law. I have been fighting 3 years with lawyers that they hired at no point do this company reach out to me as Personal Rep. Of The Estate Of XXXX XXXX XXXX I wanted this to be investigated, because I have all of the lawyers motions and nothing from the Lender. The finial packet that was submit to the judge had no correspondence between myself and the lender. I do not know how this is legal, when their are laws that state that the lender is to make contact with potential successor -in-interest, to qualify them by asking for documents that only I would have. In 3 years no such documents where never sent. I want to know WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
XXXX navient held my student loans i asked for payment arrangements due to the fact that it took me over 6 months to get my registration from XXXX to XXXX working in my career as a result, they said the only option was forbearance made it sound like a resolution without fully explaining how they where going to add XXXX of interest and restart the loan agreement they doubled my debt before I withdrew all my loans from there company... and I just found out about this class action lawsuit which I have definitly been victim to and there was no information put out that I ever heard up until today and they say there making checks already. while my information has changed since I was with that company there is no way of knowing if they attempted to contact me and or if I'm getting any part of this settlement which seems pretty unjust. I do appreciate the information that i was not the only XXXX upset with there business and that someone is doing something about it. However, please let me know what I can do to obtain more XXXX in these regards possibly obtain these settlement funds. please and thank you! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding XXXXredit Collections continued reporting of inaccurate and unverified information on my consumer credit reports. The account is reported as follows : Account Number : XXXX Original Creditor : Frontier Communications Balance : {$79.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Credit Report This account is being reported as a collection/charge-off without supporting documentation and with incomplete reporting data. No payment history is reflected, and adverse rating information is inconsistent or incomplete across reporting agencies. These deficiencies raise concerns under 15 U.S.C. 1681e ( b ), which requires furnishers to report information with maximum possible accuracy. I have formally disputed this account with the credit reporting agencies on two separate occasions. Both disputes were returned as verified. Despite verification, Credit Collections has not provided competent documentary evidence substantiating the validity of the debt. I have submitted written requests for validation pursuant to 15 U.S.C. 1692g, requesting : Full validation of the alleged debt Itemization of the balance Documentation evidencing lawful assignment and chain of title Proof of legal authority to collect Evidence of authority to collect debt in Virginia No adequate documentation has been provided. Under 15 U.S.C. 1681s-2 ( b ), Credit Collections is required to conduct a reasonable investigation upon receiving notice of dispute from consumer reporting agencies. Verifying disputed information without substantiating documentation suggests that a reasonable investigation did not occur. If Credit Collections can not produce competent evidence establishing lawful ownership, accurate balance calculation, and authority to collect, continued reporting constitutes furnishing inaccurate or unverifiable information in violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Torriere Holdings INC
State: MI

Complaint narrative:
Today XX/XX/year>, XXXX XXXX XXXX messaged my XXXX XXXX about my debt when they have no reason to discuss any information with anyone but me. I never gave them her number or gave permission

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My vehicle went missing on XX/XX/XXXX, and to this date I have not received any written notice by mail informing me that it was repossessed or providing the legally required details regarding its location, redemption rights, or next steps. The absence of proper written notice is extremely concerning and does not reflect fair or transparent business practices. I believe this repossession was wrongful and predatory in nature. I was making a consistent good faith effort to pay on the loan despite an extremely high interest rate that appears excessive and potentially usurious. Even during periods of financial hardship, I continued making payments and actively attempted to bring the account current. My recent documented payments include : XX/XX/XXXX {$50.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} I also made multiple consistent payments throughout XXXX and XXXX. I made a partial payment in XX/XX/XXXX before the vehicle was taken again in XX/XX/XXXX, while I was still attempting to recover financially from the prior tow and repossession-related charges. The pattern of repeated repossessions and added fees created a cycle that made it nearly impossible to catch up. Each tow added substantial repossession fees and related charges, significantly inflating the balance. This practice appears predatory because the repeated towing increased the total amount allegedly owed rather than providing a fair opportunity to cure the default. The total being demanded is not consistent with the actual market value of the vehicle, valued at no more than {$13000.00}, the majority of which I have already paid. Additionally, when I specifically requested corporate office contact information from the collections department, they refused to provide it. This lack of transparency further supports concerns about how my account has been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
I am filing this complaint regarding Bull City Financials continued reporting of inaccurate and unverified information on my consumer credit reports. The account is reported as follows : Account Number : XXXX Original Creditor : XXXX XXXX Florida Balance : {$660.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Credit Report This account is being reported with inconsistent and conflicting information across consumer reporting agencies, including differing status designations ( open versus closed ) and inconsistent adverse rating data. These discrepancies raise concerns under 15 U.S.C. 1681e ( b ), which requires furnishers to report information with maximum possible accuracy. I have formally disputed this account with the credit reporting agencies on two separate occasions. Both disputes were returned as verified. Despite verification, Bull City Financial has not provided competent documentary evidence substantiating the validity of the debt. Additionally, I have submitted written requests for validation pursuant to 15 U.S.C. 1692g, requesting : Full validation of the alleged debt Itemization of the balance Documentation of lawful assignment and chain of title Proof of Bull City Financials legal right to collect Evidence of authority to collect debt in Virginia No adequate documentation has been provided. Under 15 U.S.C. 1681s-2 ( b ), Bull City Financial is required to conduct a reasonable investigation upon receiving notice of dispute from consumer reporting agencies. Verifying disputed information without substantiating documentation and while reporting materially inconsistent data suggests that a reasonable investigation did not occur. If Bull City Financial can not produce competent evidence establishing lawful ownership, accurate balance calculation, and authority to collect, continued reporting constitutes furnishing inaccurate or unverifiable information in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX SELF/XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist from any and all communication with me regarding the above-referenced alleged debt. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except : To advise that further collection efforts are being terminated ; To notify that certain specified remedies may be invoked ; or To notify that the debt collector intends to invoke a specified remedy. You are therefore directed to : Immediately cease all telephone calls to my home, mobile phone, workplace, or any third party. Cease all written correspondence except as permitted under federal law. Refrain from any further contact beyond what is expressly allowed by statute. Be advised that I am documenting all communications. Any violation of the FDCPA will result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office. I also reserve the right to pursue civil remedies for statutory damages, actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1692k. This letter is not an acknowledgment of the alleged debt and does not constitute a waiver of any rights or defenses. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Complaint Description Draft On XX/XX/year>, a fraudulent charge in the amount of {$230.00} appeared on my One Pay Cash Rewards credit card ( handled by Synchrony Bank ) account. I did not authorize this transaction. I reported the fraudulent charge to the issuer immediately and have contacted them a total of six times regarding this matter. Despite multiple calls, the charge remains on my account. The company has told me verbally not to worry about making a payment while the investigation is ongoing. However, my account currently shows : Current balance : {$230.00} Minimum payment due : {$30.00} Due date : XX/XX/year> The minimum payment being assessed appears to be based entirely on the disputed fraudulent charge. I have not received written confirmation that : The disputed amount has been removed from the minimum payment calculation. No late payment will be reported during the investigation. Interest will not accrue on the disputed amount. I am concerned that if I do not make the minimum payment on a balance that is entirely fraudulent, I may be reported late or incur fees. I am requesting : Immediate provisional credit for the {$230.00} disputed charge. Written confirmation that the account will not be reported delinquent while the dispute is under investigation. Confirmation that no interest or late fees will accrue on the disputed amount. A written explanation of the status of the fraud investigation. I am simply asking that the fraudulent charge be handled in accordance with federal billing dispute protections.

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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: CO

Complaint narrative:
I am formally disputing the collection account being reported by this collection agency for an alleged debt originally from XX/XX/XXXX in the amount of {$2500.00}. I do not recognize this debt and dispute its validity in its entirety. This account is being reported as placed for collection and is causing significant harm to my credit profile. The account is listed as opened on XX/XX/XXXX and updated on XX/XX/XXXX, with an estimated removal date of XXXX/XXXX. I have not been provided with any documentation proving that this debt is mine, that the amount is accurate, or that the collection agency has the legal authority to collect and report this account. I am requesting full validation of this alleged debt, including a copy of the original signed agreement, a complete itemized payment history, and proof of assignment or ownership of the debt. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, a debt collector must provide proper verification when a debt is disputed. If this account can not be fully validated, it must be immediately removed from my credit report. Continued reporting of an unverified or inaccurate debt may constitute a violation of federal law.

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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau, I am submitting a formal complaint against Select Portfolio Servicing, Inc. ( SPS ) regarding improper escrow administration, inaccurate account information, and conflicting mortgage payment representations. Property Address : XXXX XXXX XXXX, XXXX, PA XXXX Number : XXXX SPS previously claimed there was an address discrepancy related to my homeowners insurance policy. My correct address is XXXX XXXX XXXX. SPS internally listed my address incorrectly as XXXX XXXX while simultaneously issuing official tax documents ( Form XXXX ) reflecting the correct spelling. Despite having correct documentation in its system, SPS attempted to attribute the issue to my XXXX XXXX. Due to overlapping insurance disbursements, my escrow account reflected a shortage of {$4200.00}. SPS advised me to make a payment toward the negative balance. On XX/XX/2026, after speaking with an SPS XXXX, I paid {$2900.00} toward the escrow shortage. I was specifically informed that once this payment posted, my monthly mortgage payment would decrease to {$600.00}, leaving a remaining escrow shortage of {$580.00}. However, when I logged into my account to make my XX/XX/2026 payment, the amount due remained {$900.00}. When I contacted SPS again, a XXXX named XXXX ( Employee ID # XXXX ) stated that the payment reduction would not take effect until XX/XX/2026. This directly contradicts the prior representation made to me. I made a substantial payment based on SPSs stated representation regarding my adjusted mortgage amount. I am now receiving inconsistent and contradictory information from different SPS representatives. Under the Real Estate Settlement Procedures Act ( RESPA ) and its implementing regulation ( Regulation X ), mortgage servicers are required to properly administer escrow accounts, provide accurate annual escrow analyses, and avoid misapplication or misrepresentation of escrow balances and payment obligations. My concerns include : Inaccurate internal account information Improper escrow analysis and calculation Conflicting payment representations Failure to provide clear and consistent written escrow accounting Potential misapplication of escrow payments I am requesting that SPS be required to : Provide a complete escrow transaction history and accounting. Confirm in writing my accurate monthly mortgage payment and effective date. Correct any servicing errors or improper charges. Conduct a new escrow analysis reflecting accurate figures. I respectfully request that the CFPB investigate SPSs escrow administration and servicing practices and require correction of my account. Sincerely, XXXX XXXX XXXX XXXX XXXX, PA XXXX Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Last Four of SSN : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist from any and all communication with me regarding the above-referenced alleged debt. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except : To advise that further collection efforts are being terminated ; To notify that certain specified remedies may be invoked ; or To notify that the debt collector intends to invoke a specified remedy. You are therefore directed to : Immediately cease all telephone calls to my home, mobile phone, workplace, or any third party. Cease all written correspondence except as permitted under federal law. Refrain from any further contact beyond what is expressly allowed by statute. Be advised that I am documenting all communications. Any violation of the FDCPA will result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office. I also reserve the right to pursue civil remedies for statutory damages, actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1692k. This letter is not an acknowledgment of the alleged debt and does not constitute a waiver of any rights or defenses. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation