vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian , XXXX XXXX XXXX violated my rights as a consumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Employers ; XXXX Correction XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Inquires ; XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; XXXX XXXX XXXX, XXXX date ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX XXXX date XXXX XXXX XXXX, XXXX XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Shellpoint Mortgage Servicings improper and unlawful freeze of {$14000.00} in undrawn funds on my homeequity line of credit ( HELOC ), immediately after the loan was transferred to them. Timeline of Events XX/XX/year> I signed closing documents for a {$70000.00} HELOC originated by XXXX XXXX XXXX XXXX. XXXX Standard 3day rescission period. XX/XX/year> XXXX funded the mandatory initial draw of {$56000.00}. XX/XX/year> The loan was transferred to Shellpoint Mortgage Servicing. XX/XX/year> Shellpoint immediately froze the remaining {$14000.00} of available credit. To date I have not received any written notice explaining the freeze or citing a permissible reason under Regulation Z. Regulation Z Requirements Under 12 CFR 1026.40 ( f ), a servicer may only freeze or reduce a HELOC when one of the following conditions exists : 1. A material decline in property value 2. A material change in the borrowers financial circumstances 3. The borrower is in default 4. Government action impairs the lenders security interest 5. The borrower committed fraud or misrepresentation A servicing transfer is not a permissible reason to freeze a HELOC. Additionally, 12 CFR 1026.40 ( f ) ( 3 ) ( i ) requires the servicer to provide written notice within 3 business days of taking adverse action on a HELOC, including : The specific reason for the freeze The borrowers rights The conditions for reinstatement Shellpoint has provided no notice at all, which is a direct violation of Regulation Z. Closing Documents Contain No Freeze Authorization I reviewed my closing package, including : Errors & Omissions Agreement XXXX Notice of Right to Cancel Material Disclosures Patriot Act Disclosure Taxpayer Consent Form None of these documents authorize a postfunding freeze or grant the servicer discretionary authority to suspend access to undrawn HELOC funds. Nature of the Freeze Because the freeze occurred the day after the servicing transfer, and because no adverse change occurred in my credit, income, or property value within XXXX hours, this appears to be : A servicingtransfer freeze, A postfunding QC audit freeze, or A boarding delay freeze None of these are legally valid reasons under Regulation Z. Harm Shellpoints freeze has : Denied me access to {$14000.00} in approved credit Violated federal disclosure requirements Created financial uncertainty Prevented me from using the HELOC as intended and contracted

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 2026-04-13 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX we discovered fraudulent charges to our checking account. The charges are from Affirm.com and we contacted them the same day. They were not able to help us but did create a case. We asked them to identify the individual so we can report them to the police and to put a stop on the account so that they stop charging our checking account. Neither have been done and we are still getting charged as of XX/XX/XXXX. In total we had XXXX charges for {$5600.00} since XX/XX/XXXX with an average charge of {$62.00}. We tried contacting them again and they responded via email saying they can do nothing since we are not a customer of Affirm.com and for us to contact our bank. We have already done that. I responded today XX/XX/XXXX with the following request We need you to identify the individual from the Affirm.com account so we can report the individual to the local police. We also demand that you Cease all withdrawals, Refund our funds in total, and provide fraud investigation results. You have a responsibility to do this under the Electronic Fund Transfer Act ( EFTA ) and associated Regulation E .. Again they said they can not help us since we do not have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
XXXX - initiated bank transfer on Way2Go\n4/9 - transaction cleared Way2Go and account shows XXXX - call Way2Go to get an ACH trace number and have to walk the person through what that is; given trace numberXXXX - call bank and give them that number, they cant find anything.XXXX - call Way2Go who verifies my account number that was entered and they tell me everything is correct except the first digit.XXXX - call bank and give the trace number again; still cant find it; assumes the transaction will reject if account number wasnt rightXXXX - call Way2Go again to verify trace number and given the confirmation. I explain thats not the right number because it has to be 15 digits and that number just given was only 11. Told he cant give me anything else other than that and Im just going to have to until XXXX to call back and start another process to request a rejection if the funds still havent shown up. I ask to speak to his supervisor and told he was the last contact and I wouldnt get to speak to anyone elseXXXXXXXXIm frustrated that no one can tell me where XXXX is currently at and no one seems to care enough to try to help me.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My business funds are currently being held by XXXX despite being informed that a release has already been sent. As of XX/XX/XXXX, I still do not have access to my funds. I have contacted XXXX multiple times and was told they are waiting on a response from a third-party company, XXXX. However, this delay is causing financial hardship and directly impacting my ability to operate my business. I have also taken action by contacting XXXX myself to resolve the issue, but my funds remain frozen with no clear explanation or resolution. I requested confirmation of the release, the reason for the continued hold, and a clear timeline for when my funds would be made available. I have not received a clear or complete response. At this point, my funds are being held without a valid reason, and I am being negatively impacted by delays between companies that I can not control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Long story short. Vehicle was paid off in whole of XX/XX/XXXX .Took a long time to get it out. Due to errors on there end. Released after that, they wouldn't release a title due a repossession fee paid they wanted paid off. That is what the employee informed me. Which i did on, XXXX. As of XX/XX/XXXX the XXXX has informed me they have not electronically released the hold on the vehicle. California Vehicle Code 5753 .. is westlake financial law guideline to obey and meet. Which they have not. I have documents screenshot of payments. This is a ongoing issue with the banking institute. I have had previous issues with them, and y'all have helped me resolve this, which I'm hoping y'all could help me resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
account XXXX XXXX XXXXXXXX i'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide certified mail with receipts displaying my signature. if not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc
State: VA

Complaint narrative:
Ive submitted XXXX dispute cases with XXXX. I recently sent a dispute with Mnet Financial regarding my supposed medical debt that XXXX sold to them. Mnet Financial sent me an invoice with the balance that is due. What Im not understanding is, my debt with XXXX was for {$3300.00}. Mnet is saying Im responsible for {$2900.00}. When I added the patient balance total on the invoice, it came to {$2600.00}. Both companies arent being truthful and Im tired of dealing with of them. This is borderline fraud because theres no clear understanding on how much I supposedly owe. A patient balance is the amount the patient is supposed to pay. Theyre trying to charge me {$3300.00} dollars when Mnet says its {$2900.00}, but on the invoice I was provided by Mnet totals {$2600.00}. XXXX is still contacting me regarding my debt. Truthfully, I want both XXXX and Mnet Financial to stop contacting me. Every time I call XXXX, they say I have no outstanding balance and they can not access my account since it was given to Mnet.

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 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: LA

Complaint narrative:
I am writing to formally file a complaint regarding my recent experience with your institution. On XX/XX/year>, I opened an online account to take advantage of the advertised 4.10 % promotional rate. Following the successful account setup, I initiated a transfer of {$5000.00} from my XXXX XXXX XXXX XXXX account to fund the new account. However, on XX/XX/year>, at XXXX XXXX, I received an email stating that the transfer could not be completed because the account you are transferring to can not currently be used for transfers. This was confusing, as I had just opened the account and was under the impression it was fully operational, including the ability to receive funds. On XX/XX/XXXX at XXXX XXXX, I contacted customer service and was informed that my account had been closed. No explanation was provided at that time. Since then, I have made multiple attempts to understand why this action was taken, but I have consistently received no clear reasoning. Further adding to the confusion, on XX/XX/XXXX at XXXX XXXX, I received an email notifying me that an account statement was availabledespite being told days earlier that the account had been closed. Most recently, on XX/XX/XXXX, I contacted customer service again. After verifying my information, the representative informed me that the bank had decided to close my account, yet again without offering any explanation. This repeated lack of transparency and communication is deeply concerning and reflects a troubling level of unprofessionalism. While I appreciate that the {$5000.00} is being returned to my original account, the overall experience has been frustrating and disappointing. I am left without answers as to why my account was closed so abruptly and without justification. I request a formal explanation for the closure of my account and clarification regarding the failed transfer. Clear communication and accountability in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit One LLC
State: NY

Complaint narrative:
TO : COLLECTION CREDITONE LLC XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX I am formally disputing this alleged debt in its entirety. This debt is not mine and appears to be the result of identity theft or error. I have never had an account or debt with COLLECTION CREDITONE LLC\Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are required to cease all collection activity immediately until you provide proper validation of the alleged debt. Enclosed is my Identity Theft Report. Any further collection activity without validation will constitute a violation of federal and New York law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CreditNinja Lending, LLC
State: NE

Complaint narrative:
For Credit Ninja... I am filing a complaint regarding a loan from Credit Ninja. My original loan amount was {$2000.00}. I have been making consistent, on-time payments for approximately XXXX months. Despite this, I am currently being told that I still owe {$1700.00}. According to my loan agreement, the APR on this loan is approximately XXXX %, with total payments scheduled to exceed {$6300.00}. While I understand that interest is charged, it is not reasonable or transparent that after XXXX months of regular payments, the principal balance has barely been reduced. The structure of this loan, where payments are applied primarily to fees and interest before principal, has resulted in minimal progress toward paying down the actual loan amount. This was not clearly understood at the time of borrowing and is highly misleading in its real-world impact. I am requesting : A full payment history A detailed breakdown of how each payment has been applied A clear explanation of why the principal balance remains so high A review of whether this loan structure and its disclosures meet fair lending and transparency standards Additionally, I have experienced a similar issue with another lender, which suggests a broader pattern of lending practices that may be confusing or potentially predatory. I am requesting a full audit of my account and a fair and transparent 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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MO

Complaint narrative:
I am submitting an updated complaint regarding Cash Apps handling of my dispute claims involving XXXX XXXX XXXX Cash App determined that some transactions within this activity were unauthorized, yet denied others that occurred within the same timeframe, with the same merchants, and under the same pattern of activity.l only because of threshold being over XXXX. This is inconsistent and not supported by a reasonable investigation. Cash App has not provided : A transaction-by-transaction explanation Any documentation showing how authorization was determined Any clear distinction between approved and denied transactions Instead, only general statements have been provided that the transactions were authorized, which does not justify the inconsistent outcomes. The transactions : Occurred within the same timeframe Involve the same merchants ( XXXX and XXXX ) Follow the same pattern already deemed partially unauthorized I am formally demanding : 1. A full reinvestigation of all denied transactions 2. Detailed documentation for each determination 3. A clear explanation of why identical transactions were treated differently 4. Immediate refund or credit for all denied transactions that fall within the same pattern already determined to be unauthorized If Cash App can not provide specific evidence that these transactions were authorized, they must be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XX/XX/year>, I contacted M & T Bank regarding a {$15.00} overdraft fee on my account caused by an XXXX charge that I did not authorize. A manager told me that if I provided proof the charge was not mine, the overdraft fee would be removed. I followed those instructions and submitted proof. The XXXX charge was subsequently reversed and returned to my account, confirming it was unauthorized and visible directly on my account. On XX/XX/year>, I called back to follow up. A representative named XXXX told me that because one overdraft had already been removed earlier this year, nothing further could be done directly contradicting what the manager told me on XX/XX/XXXX. XXXX repeatedly cut me off and placed me on hold without resolution. I requested escalation multiple times. I was transferred to someone presented as a manager who also refused to help and stated he had no way to escalate the matter. When I asked to be transferred to a claims or complaints department, both individuals refused. At approximately XXXX PM on XX/XX/year>, the representative hung up on me. I called back immediately, navigated through all prompts, and when someone answered they hung up on me again. Despite documented proof on my own account that this overdraft was not caused by me, M & T Bank is still requiring me to pay the {$15.00} fee.

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 monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Regarding : First National Bank of Omaha Disputed Amount : {$36.00} Subject : Formal Complaint Regarding Disproportionate Credit Reporting and Lack of Meaningful Notice I am filing this formal dispute regarding a delinquent balance of {$36.00} reported by First National Bank of Omaha. This reporting is inaccurate and unfair based on a lack of proper notification, potential overpayment of interest, and a significant reporting discrepancy relative to the minimal residual balance. 1. Lack of Meaningful Notice Prior to this account being marked as severely delinquent, I received no meaningful notice from the company. I did not receive any physical mailers, phone calls, or electronic notifications regarding this specific {$36.00} residual balance. A consumer can not be expected to rectify a balance they have not been properly informed of, and the leap to " severe delinquency '' without a documented attempt at communication is a violation of fair billing and reporting practices. 2. Potential Overpayment and Interest Discrepancies Based on my records, specifically the billing statement dated XX/XX/XXXX ( Note : user provided XX/XX/XXXX, please verify if this was a typo for XXXX ), it appears that I may have paid the interest on this account two-fold. There is a clear discrepancy in how interest was calculated and applied, which may mean the {$36.00} balance itself is the result of a calculation error rather than an actual debt owed. 3. Technical Discrepancies Regarding Email Receipt While the company may claim emails were sent, I have encountered technical issues where records may indicate an email was " read '' or " delivered '' despite never actually reaching my inbox or being accessible. I am disputing the validity of their digital communication logs as proof of notice. 4. Disproportionate Reporting The decision to report a minimal residual balance of {$36.00} as a " severe delinquency '' is entirely disproportionate to the amount owed. This reporting has caused undue harm to my credit profile that far outweighs the financial significance of the {$36.00} in question, especially given the lack of prior outreach to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
Subject : Credit Reporting Dispute Carrington Mortgage Services ( XXXX Payment ) To Whom It May Concern, We are submitting this statement regarding a negative credit reporting entry by Carrington Mortgage Services related to our XXXX mortgage payment. We want to be clear and transparent the XXXX payment issue resulted from our oversight. Our mortgage payment had been set to an automatic fixed amount, and we did not adjust the payment after a property tax increase caused a {$34.00} shortage. We accept responsibility for that error. However, despite this minor and unintentional shortfall, we did in fact make a substantial payment toward our mortgage for that month. The issue was not a missed payment, but a small underpayment due to an escrow adjustment that we failed to catch in time. What is deeply concerning is the severity of the credit reporting impact. This single {$34.00} shortage resulted in a credit score drop of over XXXX points, which we believe is disproportionate and does not accurately reflect our overall payment history or creditworthiness. We promptly contacted Carrington Mortgage Services, explained the situation, and requested a one-time courtesy adjustment or goodwill correction. Despite our history of making payments and our good faith effort to resolve the issue, Carrington declined to provide any customer service accommodation. We are respectfully requesting a review of this reporting. Given the circumstances a small, unintentional shortage rather than a full missed payment we believe this situation warrants consideration for adjustment or correction. Our goal is simply to ensure that our credit report reflects a fair and accurate representation of what occurred. Thank you for your time and consideration. Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation