vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX XXXX disputing a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I met the XXXX XXXX XXXX requirement with a {$5200.00} XXXX XXXXXXXX push from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX evaluation window closed on XX/XX/XXXX, and the XXXX payout period expired on XX/XX/XXXX. SoFi staff verified my eligibility on XX/XX/XXXX but failed to disburse the funds. On XX/XX/XXXX, representative XXXX admitted in writing ( see attached XXXX XXXX ) that the bonus was not paid due to an internal " coding error. '' Despite this admission, the bank refused to issue a manual credit, claiming I must wait " another XXXX pay cycles '' and essentially perform more direct deposits to fix their internal error. My account already reflects SoFi XXXX status and unlocked XXXX features and the XXXX XXXX APY for Savings, proving the bank 's system recognized the qualifying deposit months ago. I am seeking immediate disbursement of the {$400.00} bonus. The bank 's demand for further deposits to rectify their own admitted technical error is a predatory operational practice. NOTE : To eliminate external variables, I am noting that my employer XXXX XXXX XXXX XXXX XXXX issued a parallel XXXX XXXX XXXX push to a competing institution ( XXXX XXXX during the same payroll window. The competing institution correctly identified, processed, and credited those funds as a qualifying direct deposit immediately. This confirms that the XXXX payment rails were utilized correctly by the sender, and the failure lies solely with SoFis internal recognition logic. SoFis demand for further deposits to 'test ' a system that has already failed is an unacceptable resolution. Furthermore, this is NOT an isolated incident. I have had to manually seek resolution for every checking and savings referral I have participated in with SoFi, as none have tracked correctly. This is my third manual intervention to receive a promised incentive. The fact that I must provide forensic audit trails for every promotion indicates a systemic failure in SoFis automated tracking and payout infrastructure. I am seeking a permanent fix to my account tracking in addition to the {$400.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my Borrower Defense to Repayment application, Case # XXXX, which has not been reviewed or resolved despite being submitted to the U.S. XX/XX/XXXX I have received no meaningful communication regarding the status of my case, no explanation for the delay, and no timeline for resolution. This inaction has left me in financial uncertainty regarding my student loan obligations. I am requesting that the CFPB : XXXX. Investigate why mXX/XX/XXXXase has not been reviewed XXXX. Compel the Department of Education or my loan servicer to provide a written status update and timeline XXXX. Document this complaint as part of any broader pattern of delayed Borrower Defense processing My loans remain outstanding while this case sits unresolved. I believe this delay is harmful and unacceptable. XXXX XXXX : # XXXX Please contact me at the information provided to follow up on this matter. Sincerely, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
I come up ahort and mossed.a couple payments so I have negatives on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Continental Currency Services, Inc.
State: CA

Complaint narrative:
* * Complaint Unauthorized Forced Debit Transaction and Financial Hardship ( XXXX XXXX XXXX XXXX Transaction Issue ) * * I am filing this complaint regarding an unauthorized and improperly processed debit transaction involving my prepaid account through XXXX and a check cashing merchant, XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. On XX/XX/XXXX, I visited XXXX XXXX to withdraw funds from my account. Before processing the transaction, the employee checked my account and confirmed I had a positive available balance of * * {$1700.00} * *. However, when the withdrawal was attempted, I was told the card was declining. Despite this, the merchant proceeded to manually force or rekey the transaction as a debit signature transaction. At no point did I receive any cash, funds, or services in exchange for this transaction. However, my account was charged approximately * * {$1700.00} * *, resulting in my account now being negative at approximately * * - {$1900.00} * *. This represents my paycheck funds and has caused immediate financial hardship, as I am unable to pay essential bills. I did not authorize a completed transaction under these conditions, and I did not receive any value in exchange for the charge. The discrepancy between my confirmed available balance prior to the transaction and the final negative balance indicates a serious transaction processing error or unauthorized merchant action. I have contacted XXXX to dispute this transaction and request assistance. However, I have been informed that I must wait for an investigation and was denied provisional credit despite the fact that this involves my paycheck and no funds were received. * * Requested resolution : * * XXXX. Immediate provisional credit for the full disputed amount XXXX. Reversal of the {$1700.00} transaction XXXX. Correction of my account to remove the negative balance of {$1900.00} XXXX. Investigation into the merchants practice of forcing or rekeying declined transactions without providing funds XXXX. Written explanation of how this transaction was authorized and processed XXXX. Expedited handling due to financial hardship This situation has caused significant financial harm, as these funds are my paycheck and are needed for essential living expenses. I am requesting urgent intervention and resolution. Sincerely, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IN

Complaint narrative:
* * Issue : Credit reporting / Incorrect information on credit report * * I am filing a complaint regarding the improper reinsertion and inaccurate reporting of a collection account on my credit This account was previously * * deleted from my credit report on XX/XX/year> * *, but it was later * * reinserted without the required 5-day written notice * *, in violation of the Fair Credit Reporting Act ( FCRA Section 611 ( a ) ( 5 ) ( B ) ). I did not receive any notification of reinsertion. Additionally, I dispute the validity and amount of this debt. The account stems from a lease termination involving a documented safety incident that required police involvement. I was initially told I could terminate the lease for approximately {$3000.00}, but the balance was later increased to {$14000.00} without proper explanation or justification. I also want to report prior conduct by a representative of this debt collector. In 2021, I received a phone call from a collector regarding this account. During that call, the representative was verbally aggressive and dismissive of my safety concerns related to the incident that led to the lease termination. The interaction caused significant emotional distress and appeared to disregard fair debt collection standards. Due to the reinsertion violation, the disputed and inaccurate balance, and the concerning conduct associated with this account, I am requesting : * Immediate and permanent deletion of this account from my credit reports * Confirmation that this account will not be reinserted again * A full investigation into the reporting and collection practices of this company This matter has negatively impacted my credit and caused unnecessary distress. I expect a prompt resolution in accordance with federal law. I have continued to dispute afterwards and was met with denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
An inquiry for a credit card was submitted on XX/XX/year>. It was a bank credit card and the company name is COMENITYCAPITAL/XXXX . Ive never applied for credit through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I received an email today for navient XXXX XXXX for more info I sent all of this 3 times I submitted a claim before the end date in navient claims pricess where's my money I have been in forbearance over 10 years and had to go to hospitals for this related calls telling me I would end up in jail and otger horrible lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
1. I am requesting a full explanation of the New Investor XXXX Name, Address, Phone & Contact information for the Investor Transaction on XX/XX/XXXX and any documents XXXX XXXX mailed to us at XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX regarding this New/Old Investor transaction. Please see the attached Transaction History from XXXX XXXX and the transactions XXXX & XXXX on XX/XX/XXXX. Please provide the full information requested above for both New Investor XXXX and Old Investor XXXX and any documents XXXX XXXX has regarding this Investor Transaction 2. Full accounting history and explanation from XXXX on the misappropriation of suspense payment account that XXXX caused account to alleged default of XX/XX/XXXX, when clearly the funds for XX/XX/XXXX were available over {$7000.00} in the suspense account from modification payment & partial payments ordered by Bankruptcy Judge while in Bankruptcy court and ordered to make 60 % monthly payments which were made by XXXX each month & XXXX was fully aware of and what the funds were being used for while in suspense payments account. {$3000.00} was misappropriated from the suspense payment account, which should still be there along with the {$1600.00} that is currently in the suspense payment account which would make The account is not in the alleged default and should be in good standing and all actions made by XXXX since XX/XX/XXXX are Void.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: TX

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
At the beginning of XX/XX/XXXX I was notified by XXXX that suspicious activity was noted on my credit report. I checked my report and a former partner XXXX XXXX with a phone number of XXXX used my personal information to open a series of buy now pay later accounts from XXXX XXXX thru XX/XX/XXXX. Affirm researched and removed the information from my credit report and told me my account was all cleared and everything was set. I told them my bigger concern was the use of my personal data including social security number to obtain the credit in the first place. I've emailed them and even sent a certified mail return receipt req letter # XXXX in accordance with FTC rules that state I must be provided information on what the pepetrator ( XXXX ) used to obtain credit based on my data. This was also contained within the FTC ID Theft report # XXXX. I provided a copy of my drivers license, ID report from FTC, XXXX XXXX Police Report Case # XXXX ( which for the record Affirm has still NOT replied to their subpoena request and are very late ). I need this information so I can pursue a 3rd degree Felony charge against XXXX ( who I had a order of protection against in the State of Florida ). My numerous emails and their responses fall on deaf ears. They basically continue to reply that everything was taken care of and reversed and my credit is fine. The Fair Credit Reporting Act Section 609 ( e ) 15 U.S.C. Part 1681g requires that they provide me this information within 30 days of a written request and I did everything required perfectly. They are over 3 weeks late as of now. They have also ignored XXXX XXXX Police Dept requests too. Please I need this information to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: FL

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
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp
State: WI

Complaint narrative:
I moved out of my rental unit in XX/XX/XXXX and provided proper notice, along with my forwarding address. The company also had my email address. Despite having both forms of contact information, they did not send me a final bill, itemized statement, or written notice of any balance owed before reporting this account. The account later appeared on my credit report in XX/XX/XXXX. That was the first time I became aware that the company was claiming I owed this balance. I was not given a fair opportunity to review, verify, dispute, or pay the charges before the debt was sent to collections and reported on my credit. After I discovered the account, I contacted the company and requested an explanation and a ledger. They provided a breakdown only after the account had already been reported. There are also inconsistencies and discrepancies in the information provided. The ledger has shown changes over time, including months being added and removed and fees appearing, being removed, and then added again. This raises concerns about the accuracy and reliability of the amount being reported. Additionally, there are inconsistencies in how the unit was re-rented. While I was still in communication with management, I informed them that I had a qualified individual ready to apply for the unit. I was told there was already a pending application and that I would only be responsible for XXXX and XXXX. However, information later provided shows that the same application was denied that same day, and I was never informed that my contact could then apply. As a result, I was prevented from reasonably minimizing the balance and was later charged for additional time. Due to the lack of proper notice, inconsistent and changing charges, and misleading communication, I dispute the accuracy and fairness of this account. I am requesting a full investigation and removal of this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: NV

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was scammed on XXXX XXXX while attempting to purchase a home. I sent the payments using my Chime account. I submitted three separate disputes with Chime regarding these fraudulent transactions. All three disputes were denied within two days of submission. I also provided over XXXX supporting files/documents that were never acknowledged or addressed by Chime. I called Chime customer support multiple times seeking resolution. During the first hour-long call, the representative who identified himself as a supervisor stated there was no one above him when I asked to speak with higher authority. On subsequent calls, other representatives claimed I had never contacted them previously, even though I have recordings and call logs proving the prior conversations. In addition, Chime has never awarded the referral bonus owed to me and my sister. Although we have proof that she started the referral process in XX/XX/year> and fully completed all requirements within the required time period, Chimes system incorrectly shows that she started in XX/XX/year> and did not meet the requirements. There is also another dispute that has remained open on my account for the past month with no resolution. Every time I have called for an update, I am told to wait and that I will be contacted, but no further communication has been received. Despite being a loyal Chime customer for three years, I have been treated poorly by customer support. Representatives have been unprofessional, dismissive, and repeatedly refused to escalate the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I received a collection notice from Resurgent Capital Services regarding an alleged credit card debt they claim to be collecting on behalf of LVNV Funding LLC. I submitted a formal written dispute and request for validation pursuant to the Fair Debt Collection Practices Act, requesting documentation including a signed agreement, complete account history, and a full chain of title demonstrating their legal authority to collect. In response to my initial dispute, the company provided only limited and insufficient documentation that did not constitute proper validation of the alleged debt. After receiving this inadequate response, I sent a follow-up dispute notifying them of their failure to validate and again requesting proper documentation. On XX/XX/year>, the company responded again, but did not provide any of the requested validation. Instead, they sent a generic letter stating that a review had been initiated and suggested that I contact customer service. This response did not include any documentation validating the debt. At no point has the company provided : A signed agreement or contract A complete chain of title Complete and accurate account-level documentation Despite multiple requests, the company has failed to properly validate this alleged debt. I believe this conduct is misleading and unfair, as the company continues to respond to validation requests without providing the required documentation.

Company response to consumer: Closed with explanation