vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XX/XX/year> there was a data leak on my bank account ( SoFi ) website. A popped up alert stating that there was a data leak and to change my password so I did. Someone signed into my account and sent my tax refund loan plus other money totaling to {$600.00} to a strangers XXXX! They also changed the person on XXXX name I believe to hide the info. SoFi did not help me get my tax refund loan back! They denied me and I appealed and still denied me even though their website had a data leak and someone completely stole my money! I mentioned to them that I have XXXX  more coming from the rest of my taxes and they did not help me at all and make sure Im protected with my money nor did they make sure I got the money took back!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage servicer, Newrez LLC, retroactively charged lender-placed insurance back to XX/XX/XXXX, even though it admits it did not notify me of an insurance lapse until XX/XX/XXXX and XX/XX/XXXX. 

As a result, Newrez billed over {$8300.00} at once, created an escrow shortage, and permanently increased my monthly mortgage payment. 

I acknowledge there was a lapse in coverage, but Newrezs two-year delay in providing notice denied me any opportunity to cure the lapse and avoid these charges. 

Newrez issued a final no error determination on XX/XX/XXXX after a RESPA dispute ( Complaint # XXXX ), relying on an incorrect interpretation of CFPB Regulation X to justify retroactive billing. 

I am requesting CFPB review of this unfair retroactive billing practice and assistance in obtaining credits for the improperly backdated charges assessed before I was notified.

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pinebrook Holdings, LLC
State: MO

Complaint narrative:
So me, my ex wife and my XXXX old dad all keep getting the same voicemail for me from this company. I will paste the exact voicemail message we all got later here. 

I called the number back. The message said Location Services, when the lady answered she said this is not XXXX XXXX. She said this is XXXX. I said XXXXXXXX XXXX XXXX she said no just XXXX. I asked that she cease and desist all calls to everyone. I then said mail me any documentation if it belongs to me. She said we only email and have emailed. I said please email and cease all calls. You have theareatened to come to my home or work is I dont sign something by XX/XX/XXXX. I said if this is a case then XXXX XXXX would send service of lawsuit. This is a scare tatic and now my exwife and my father are extremely scared and worried. I asked what is this, I believe she said a debt wiXXXX XXXX XXXX XXXX  Again I asked to mail this to me and please please cease and desist all communication until this is received and reviewed via mail by me. 

Below is the exact voicemail my dad texted to me from this company. 

XXXX is my dad first name but the same message was left to everyone. 

" This message is intended for XXXX XXXX. This is XXXX XXXX wXXXX XXXX XXXX contacting you again in reference to claim number XXXX XXXX that's been filed against XXXX XXXX requesting his immediate signature. XXXX XXXX was given the opportunity to contact the office that is processing his claim. However, I have yet to receive any documents ordering me to stop the previous order of location. My call today is to confirm his scheduled delivery. I'm responsible for obtaining a signature by the end of business. Uh, tomorrow, XX/XX/XXXX, I have XXXX addresses listed here for him. One looks to be a place of employment, which I would like to avoid if possible. Therefore, I'm providing the filing party 's information XXXX last time. The phone number to contact is XXXX. If they're not contacted, I have no choice but to continue moving forward with XXXX 's order of location, and he will need to be available to provide a signature. '' Click here : XXXX to listen to full voice message.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
am writing to notify you that a phone account numbered [ Account Number, if known ] was fraudulently opened in my name without my knowledge or consent due to identity theft, in violation of the federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.. Under FCRA Section 623 ( a ) ( 1 ) ( F ) and 1681c-2, you must block, terminate, and permanently delete any such fraudulent account from my credit reports and your records upon receiving my notification, supported by the attached FTC Identity Theft Report and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX l presume that Proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2026-01-23 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: OK

Complaint narrative:
I went to XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/year> and my debit card was stolen out of XXXX of their ride cubbies as well as a few of my other belongings and my ID was also stolen and my debit card was used to purchase trailblazer passes almost {$180.00} worth of trailblazer passes I reached out to XXXXXXXX XXXX XXXXhey told me there was nothing they could do. They couldnt even refund my money, so I followed a dispute chime refused to investigate the dispute and just denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am traveling abroad and they have blocked me from using online or mobile banking requiring me to verify either inside the app I am blocked from or go into a branch ( which obviously is impossible ) or validate the phone number I no longer have access to. They will not allow the use of an international number on the account which I currently am using or a VOIP number to the states that I use to call back home. They won't change the number til I validate the number on a phone service plan I canceled months ago. I have passkeys, and all types of ways to verify my identity such as social security cards, passports, drivers license, birth certificate yet the only one they find credible is my old phone number? What can I do to unlock my account and have access to my own account? I believe in security and privacy but this is counterproductive if it blocks me from my own account. There has to be a way. They can't XXXX me? See me? XXXX  call me? What? What do I have to do? This is insanity. If privacy keeps us out of our own accounts, the policy should be adapted to user friendlier methods. I have two accounts with Bank of America and can not access either now. I can not even speak to someone when I call because I can not verify I am myself to their satisfaction. Come on people. Let 's use some common sense here. I have spent hours on hold today on my own expense because there is no collect calling to the US where I am located, and I have to pay for VOIP calls to XXXX or toll free numbers. At my own expense per minute while on hold.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Description of complaint : I provided the bank with XXXX papers on XX/XX/year> to assist my mother. She wanted to add me to her account but the bank would not because her id was expired. Bank XXXX, XXXX XXXX, said I needed POA. XXXX has strict XXXX day turn around to approve or decline with explanation. The bank is not adhering to XXXX law. 
The bank will not give me their attorney information for my attorney to inquire why they are not approving MY POA after XXXX days. Furthermore, the account is locked, bc my mom thought she lost her card, which she did not, we went to the bank together, again they refused to honor her request bc her id was expired so I am unable to pay my moms immediate bills at the XXXX home she was placed in a few weeks ago. Additionally, I need XXXX  years of bank statements for her XXXX application. They are putting her care in risk by not accepting the POA paperwork that I submitted that was drawn up by my attorney and signed by my mother and notarized. They are not communicating with me what the problem is or when it will be resolved.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
ABSOLUTE RESOLUTIONS I is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS I is a debt collector. They are falsely reporting on my credit!! Account number is # XXXXis 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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made 2 payments one was for the upcoming month payment, and was told that it wouldnt count for upcoming month. So I asked for refund and was told that I would receive I check for my refund, and after asking to speak to supervisor. I was told that I could no longer receive a refund. So I called again and was put on hold for almost a hour as I tried to make a formal complain, I ask for a email on my complain and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
There is a lengthily list of complaints I had filed over several months against after Chase bank illegally removed {$25000.00} from my XXXX checking account this past summer. 
They refused to acknowledge it but finally in XX/XX/year>, they sent a letter saying they " forgave ' my alleged debt of {$25000.00}. 
I did not continue to argue this because I simply wanted them to get out of my life and make things right. 
To now receive a tax statement saying I still owe a mortgage of {$100000.00} is simply outrageous. 
I am still uncertain if the new owners have clear title but I KNOW for a FACT that I no longer have a mortgage with this bank. 
PLEASE find a person to immediately correct this error and provide proof to me that there is NO mortgage due and that there is CLEAR title for the new owners, Thank you for your contemplated cooperation with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I paid my GM Credit Card, issued by Barclays, in the full amount of the statement ehich was {$3600.00}. I pay my card in full every month. My payment was an electronic payment from my checking account through XXXX. Barclays say they have never received it. XXXX has verified through a Proof of Payment document that it was paid and provided to me with the XXXXransaction ID and Trace Number. The information and supporting documents have been provided to Barclays mutiple times. I have contacted Barclays by phone no less than XXXX times to resolve. I have talked talked to the same person and have to tell the customer service representative each time what took place. The payment I sent to Barclays on XXXX was to Barclays, but had my XXXX XXXX XXXX ( previous GM card provider ) account number. XXXX XXXX XXXX transfered all GM Card related transactions to Barclays on XXXX. I have sent XXXX letters to Barclays XXXX XXXX XXXX and have received a return call XXXX time. To this date, this issue has not been resolced and Barclays still has my {$3600.00}. Every time I contact Barclays they say they connot find the payment even though XXXX verfies the payment was sent to Barclays. I would like Barclays to return my {$3600.00}.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CADENCE BANK
State: TX

Complaint narrative:
My checking account was originally held at XXXX XXXXXXXX XXXX XXXX XXXXXXXX and later reported to XXXX  by Cadence Bank. The account was closed by the bank on XX/XX/XXXX with an alleged balance of {$550.00}. I reasonably believed the account was closed or inactive around this time and did not opt into overdraft protection. 

Despite this, transactions totaling {$550.00} posted prior to the account closure. I was not provided documentation showing overdraft opt-in or authorization for these transactions, nor was I properly notified of the negative balance before the account was closed and the balance sent to collections. 

I disputed this reporting with XXXX  on or about XX/XX/XXXX. The item was marked confirmed, but Cadence Bank has not provided documentation showing the account was open at the time of the transactions, that overdraft authorization existed, or that the reported balance is accurate. 

I am requesting a full review of the account records, correction of any inaccurate reporting to XXXX, and withdrawal of the account from collections if it can not be properly validated. I also request confirmation in writing of the corrected account information and removal from XXXX, and waiver or reversal of any fees posted as a result of unauthorized transactions or bank errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: LA

Complaint narrative:
ABSOLUTE is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 2026-01-23 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: U.S. BANCORP
State: CA

Complaint narrative:
On or about XX/XX/year>, my account was charged twice in the amount of {$39.00} from XXXX. I made a car reservation through this company and when I updated my reservation time, they accidentally charged me a second time. On their own, XXXX refunded one of the {$39.00} charges. However, the reservation I paid for was not honored by the car rental company. When I showed up, they had no vehicles whatsoever. I was unsuccessful in getting in touch with XXXX regarding this, so reported it to US Bank. However, they have refused me bet and over again to reimburse this bogus charge. I have spoken to them several times and have been disconnected mid call even and no one called me back. About 4 times I have reached out to US Bank and ultimately they told me XXXX had reimbursed me. Ive explained over and over again that XXXX only reimbursed me one of the fees. US Bank remains firm not to resolve this issue, despite my having reported this to the XXXX. I would like them to take responsibility for protection over their consumers monies while in their care. Further, not requiring such an arduous process to get back what belongs 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 non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Beginning in XX/XX/year>, my SoFi Bank personal loan was charged off and subsequently transferred to third parties. Since that time, multiple entitiesincluding XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and most recently XXXX XXXX XXXX ( XXXX  ) have contacted me claiming authority to service or collect the same account. 

I have repeatedly disputed the debt and requested proper written validation. Despite this, I received an unsolicited text message from XXXX stating that it was now servicing the account and directing me to access an online portal using my Social Security number. I did not receive any prior written validation notice from XXXX identifying the current creditor, the amount owed, or my statutory dispute rights before this communication occurred. 

This contact appears to violate 15 U.S.C. 1692g ( a ) and 12 C.F.R. 1006.34, which require a debt collector to provide a written validation notice before or within five days of the initial communication. The use of an unsecured text message to prompt access using sensitive personal information further raises concerns under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) regarding safeguarding of nonpublic personal information. 

Additionally, the involvement of multiple collectors without clear notice of assignment or servicing authority raises concerns under 15 U.S.C. 1692e ( false or misleading representations ), 15 U.S.C. 1692c ( improper communications ), and 12 U.S.C. 5536 ( a ) ( unfair, deceptive, or abusive acts or practices ). I am requesting CFPB review of whether these communications and data-sharing practices comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: NY

Complaint narrative:
On XX/XX/year>, I ordered a coat from XXXX, I received the item and returned it on XX/XX/year> order # XXXX, the shipping # XXXX XXXX. On XX/XX/year>, I have received an email from XXXX stating that the item has been received and to allow 10 business days for the return to be completed. I have waited two weeks and still haven't received a refund, the merchant did not provide any information regarding how much longer it would take for the refund to be processed. I went ahead and opened a dispute with Citi bank on XX/XX/year>. I provided Citi with the screenshot of the email confirming that the item has been received by the merchant, I provided a shipping confirmation that the item was delivered to the warehouse with the signature of their employee. On XX/XX/year>, Citi Bank issued a letter stating that they completed investigation and that I am still responsible due to the fact that the merchandise is in my possession as it was claimed by XXXX. They are stating that they did not receive proof even though I provided it to them multiple times.

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 2026-01-23 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: AL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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