vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Google Compare Credit Cards Inc.
State: WI

Complaint narrative:
I'm having a recurring charge of {$8.00} from my XXXX XXXX XXXX from Google XXXX for the last 12 months. I've been trying to cancel thos subscription for over two years. The steps Google provides are complicated and does not work for me to successfully access the ccount to cancel. So for over two years, actually longer, I'vw been paying for something that is none existence. My bank, XXXX, can't stop payment without issuing me another debit card which will force me to contact each out to the merchants setup for recurring payment and inform of new debit card info, thays asking too much.

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 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Product : Student loan Issue : Incorrect loan information on credit report / loan records Company : MOHELA To Whom It May Concern, I am submitting this complaint due to incorrect federal loan reporting by MOHELA that is materially harming my ability to receive federal financial aid. 

I consolidated multiple federal student loans in XX/XX/year>. Loans that were paid in full through federal consolidation are being incorrectly reported by MOHELA to NSLDS/Federal Student Aid as CA Cancelled rather than PN Paid in Full through Consolidation. 

This misreporting has caused FAFSA to incorrectly calculate my aggregate loan usage, resulting in my school placing a hold on my financial aid. My financial aid office has confirmed in writing that I am not close to the aggregate limit and that this is a servicer reporting error by MOHELA. 

The specific loans affected are loan numbers XXXX, XXXX, XXXX, XXXX, and XXXX, which MOHELA reported as CA Cancelled as of XX/XX/year>, despite being paid off through consolidation. 

I have spoken with multiple MOHELA representatives and supervisors, all of whom refused to submit a correction to NSLDS. This is inaccurate reporting that must be corrected.

I am requesting that MOHELA : 1. Correct the loan status of the affected loans from CA Cancelled to PN Paid in Full through Consolidation 2. Submit the corrected data to NSLDS/Federal Student Aid 3. Provide written confirmation of the correction This error is preventing my enrollment and access to federal aid. I am requesting immediate review and resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
This complaint pertains to my primary residence in XXXX, XXXX. 

The XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) owns the subject propertys mortgage and dictates the policies governing the subject propertys mortgage servicing. 

SoFi Bank, the subject propertys mortgage servicer, refuses to offer me disaster relief options that comply with XXXX XXXX  policies for mortgages impacted by disasters although I meet the eligibility requirements in XXXX different ways : ( XXXX ) The Federal Emergency Management Agency ( FEMA ) declared the my place of employment ( i.e., XXXX XXXX, XXXX  ) a major disaster area on XX/XX/year> and ( XXXX ) the subject property experienced an unrelated insurable loss on XX/XX/year>. 

Although SoFi Bank granted me a disaster forbearance for 90 dayscovering XXXX, XXXX, and XXXX of XXXXit refused to extend it beyond those XXXX days and, instead, offered its own special forbearance that lacked some of the consumer protections that came with the disaster forbearance. After I appealed the switch from a disaster forbearance to a special forbearance, SoFi denied the appeal, took all forbearances off the table, and instead offered a loan modification that required monthly payments that I could not afford. At this point, I have no disaster relief options at my disposal.

Finally, SoFi Bank continues to send correspondences ( e.g., options to cure debt after the initial forbearance and responses to my appeals ) far beyond XXXX XXXX  timeframes, which has adversely and unfairly impacted me ( e.g., through credit reporting ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: LA

Complaint narrative:
I am submitting this complaint regarding unauthorized withdrawals from my savings account by a third-party financial app/company ( Albert ). 

Funds were withdrawn from my savings account over an extended period of time without my authorization. When I contacted the company, I repeatedly requested documentation showing where I authorized the creation of the account, activation of any plan, or recurring withdrawals. The company was unable or unwilling to produce any proof of authorization. 

Instead of providing documentation or full restitution, the company offered partial refunds described as courtesy refunds, which increased incrementally when I objected. This behavior suggests acknowledgment of unauthorized withdrawals while attempting to cap liability. 

During the correspondence, I consistently stated that I did not authorize the withdrawals. I did not allege identity theft or third-party fraud. Despite this, the company repeatedly mischaracterized my statements by asserting that I claimed the account was fraudulently created by someone else using my identity. This framing was inaccurate and was used to justify refusing refunds. 

The company ultimately marked the account as fraudulent unilaterally and stated that, due to this designation, it could not issue refunds, directing me instead to dispute the charges with my bank. This position is contradictory : the company acknowledged the absence of authorization but refused restitution for funds already withdrawn. 

In summary, this complaint concerns : Unauthorized withdrawals from a savings account Failure to provide proof of authorization Refusal to provide full restitution Mischaracterization of consumer statements Shifting responsibility to the bank after acknowledging lack of authorization I am requesting regulatory review of these practices and assistance in obtaining full restitution for all unauthorized withdrawals.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: MS

Complaint narrative:
I discovered that VALOR Intelligent Processing was reporting inaccurate information on my credit report in the amount of {$1300.00}. This account or balance is not accurate and does not reflect a valid debt that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
XXXX I requested that my XXXX educational award be sent to edfinancial to pay off my loan in its entirety ( total of {$3500.00} ) XXXX educational award received by edfinancial as confirmed by XXXX XXXX phone call with edinancial, was told told they had not received the educational award, and that I should wait XXXX phone call with edfinancial, was told they had received the award but that processing can take XXXX business days XXXX {$3500.00} loan begins accruing interest at 6.53 % XXXX phone call with edfinancial, was told the educational award had still not been processed. Was given no reason why, or how long processing might take. 
XXXX student loan still unprocessed and accruing interest. Complaint filed with consumer financial protection bureau. 
XXXX first payment of loan officially due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: TX

Complaint narrative:
Cash app closed my account and stated that I could still withdraw the money. I tried withdrawal with no success and reached out again to customer support. They continue to loop me around from call center to a manager that emails a stock reply having nothing. To do with my complaint and no way to contact that manager in return. They only send me back to the call center, who can't help according to them and then to another manager where I get the same email and same return to call center. The app won't allow me to link a card or bank to the account to move the money. The email I get tells me that my account has been closed but I can withdraw my money with directions on how to do that. BUT THE DIRECTIONS DONT WORK FOR MY ACCOUNT. This started on XX/XX/XXXX, and there is still no resolution. Now they put me in hold indefinitely, if a live agent, or loop the same info with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Penn Credit Corporation
State: TX

Complaint narrative:
I am submitting this complaint because a debt collector violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, a representative of Penn Credit called my XXXX  grandmother, from number ( XXXX ) XXXX, regarding a debt they claimed I owe. During the call, they discussed details about the debt ( cost ) and asked her to verify my personal information, including my address and phone number. My grandmother is XXXX  and has XXXX XXXX, and she was not able to meaningfully verify this information. 

I believe this is a violation of the FDCPA because debt collectors are prohibited from disclosing or discussing debt information with third parties other than the consumer, the consumers spouse, or the consumers attorney. They also may only ask for minimal location information, not verification of identity details, which they unlawfully attempted in this call.

I am requesting that the CFPB investigate this practice by Penn Credit and take appropriate action. I also request confirmation that my rights have been violated under the FDCPA.

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
This account is not mine. I've never had a phone or internet service with XXXX XXXX I have an open case for identity theft since XXXX. My only phone service has been through XXXX XXXX since XXXX, and I think the XXXX account was opened by the person who is stealing my identity. I need you to investigate because this is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: DC

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 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am disputing repossession threats related to my TitleMax title loan. I made a partial payment on XX/XX/XXXX, which TitleMax accepted. After accepting my payment, TitleMax added late fees and began making verbal phone calls threatening repossession. 

I have not received any written notice of default or written explanation of the balance, fees, or payoff amount. My current balance is stated as {$6600.00}, yet the payoff amount is {$7600.00}, a difference of nearly {$1000.00} that has not been properly explained. 

My vehicle is essential for work, school, and medical needs. I am requesting written clarification of all fees and charges, confirmation of my account status, and a pause on any repossession activity while this dispute is under review. I am requesting all future communication be provided in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I got my phone and wallet stolen and as a result someone was able to access my Robinhood account. They were able to sell off stocks in my IRA account and when I noticed this i immediately got in touch with Robinhood to freeze my account. I was traveling the following day so I wasn't able to provide the information they requested immediately. They asked me to submit documents within XXXX days of receiving the request but I wasn't able to do it within that time. 

I had about XXXX of stocks sold off and now my account is in limbo. I tried to get them to reopen my case but they told me the case was closed and now I can't access my account or get support. I wanted it temporarily frozen until I got a handle on my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America removed the ability to download account transactions in XXXX ( XXXX ) file formats from online banking. The bank now states that XXXX file downloads are no longer supported and directs customers to connect accounts directly through XXXX. While Bank of America still offers XXXX downloads, those files are not standardized for use with many financial software products and require manual editing each time to be usable. The XXXX format previously provided a widely supported, interoperable standard. Removing it materially reduced my ability to access and use my own transaction data without sharing login credentials with third-party services.

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 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
My mortgage was transferred to Valon mortgage in XXXX of this year. I've attempted to create a new account on their system. I have since been unable to log in. When I try to reset my password it says I haven't registered, when I try to re-register it says I'm already registered. All I've gotten back from the mortgage company is a reset password link which doesn't work I started the process on the XXXX of XXXX and the only response was on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: FL

Complaint narrative:
An account reported by XXXX was opened in XXXX and reported as closed in XXXX with an alleged balance of {$1600.00}. I dispute the accuracy and legitimacy of this account. 

Beginning in XXXX and continuing through XXXX, I submitted more than four ( 4 ) formal disputes regarding this account. Despite these repeated disputes, XXXX continued reporting the account without correcting, removing, or properly validating the information. 

At no point has XXXX provided documentation establishing that I am legally obligated for this debt, that the reported balance is accurate, or that they have lawful authority or consumer authorization to report this account to consumer reporting agencies. 

Each time the dispute was submitted, the account continued to be reported with no meaningful change, indicating that a reasonable investigation was not conducted. The continued reporting of this disputed account after multiple disputes has caused ongoing harm. 

I am submitting this complaint because XXXX has failed to comply with its obligations under the Fair Credit Reporting Act to investigate disputes and ensure only accurate and verifiable information is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Reference : Alleged Negative Option Billing Account # XXXX TransUnion Ticket Numbers : XXXX, XXXX, XXXX, XXXX, XXXX To Whom It May Concern at TransUnion / XXXX : I am writing to formally dispute the validity of the above-referenced account and to demand the immediate cessation of all billing activity and related collection/harassment communications. This matter has remained unresolved since XX/XX/year>XXXX  and has created an unreasonable and ongoing burden requiring repeated follow-ups to stop billing for services I did not authorize. 

UNAUTHORIZED ACCOUNT / UNAUTHORIZED BILLING On XX/XX/XXXX & XXXX XXXX I explicitly refused your services in writing to a TransUnion representative via email. On XX/XX/year>, that representative acknowledged my refusal by email and stated the account would be closed and that I would not be billed. On XX/XX/year>, I again stated that I wanted the account canceled and to be removed from future emails. 

Despite my repeated refusal of TransUnion services communicated to multiple representatives, TransUnion opened and/or maintained an account in my name and/or business name and has invoiced me for services I never authorized, accessed, or used. On XX/XX/year>, I also called TransUnion and spoke with a representative to confirm the cancellation of the account. I have since called multiple times for the same issue. 

As of XX/XX/year>, I have received an email from TransUnion collections department looking for payment for {$120.00}. 

This conduct constitutes negative option billing and appears to be an unfair or deceptive practice under the Federal Trade Commission Act ( 15 U.S.C. 45 ). Further, billing for unordered services is inconsistent with consumer protection requirements, including those governing unordered merchandise/services ( 39 U.S.C. 3009 ).

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 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: CT

Complaint narrative:
A prior CFPB complaint regarding duplicate charges was closed after Zip Co. stated the issue was resolved. However, this is not accurate. 

As of today, my Zip account still shows XXXX active installment orders related to the same XXXX purchase activity, and the COMBINED balance exceeds the amount of a single order ( {$340.00} ). 

Despite Zip 's claim that only XXXX order was fully captured and that adjustments were completed, my account continues to reflect more than XXXX active obligation. There are not pending authorizations ; they are active installment plans. 

I am requesting that Zip fully correct my account so that only the amount actually captured by XXXX remains active, remove any duplicate installment plan, and provide written confirmation that no duplicate balance or finance charges remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am submitting this letter as a formal complaint regarding the improper force-placement of flood insurance on my mortgage account. 

I have lived in my home for over 20 years and have never previously been required to carry flood insurance. Recently, I was notified that Rushmore force-placed flood insurance on my property with a premium of {$2500.00}, despite the fact that I had already obtained valid flood insurance coverage on my own. 

I personally purchased flood insurance through XXXX XXXX, and both I and XXXX XXXX provided Rushmore Servicing with the declaration page and proof of coverage. This documentation clearly shows that my property is insured and compliant with flood insurance requirements. 

Despite receiving this proof, Rushmore Servicing proceeded to force-place flood insurance, resulting in unnecessary and improper charges to my account. This action is incorrect, duplicative, and financially harmful.

I am formally requesting that Rushmore Servicing : Immediately remove the force-placed flood insurance American Securites Insurance Company from my account Reverse and refund the {$2500.00} premium charged Confirm in writing that my XXXX Insurance policy is accepted and active Ensure my account is corrected with no negative credit reporting or penalties Please treat this matter as urgent. I have complied fully with all insurance requirements, and there is no legal or contractual basis for maintaining force-placed insurance on my property.

Company response to consumer: Closed with explanation