vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
in XXXX of 2025 I paid for homeowners insurance for a period of XXXX XXXX from XXXX XXXX  XXXX. When I paid for the insurance the carrier XXXX  sent me the policy. When I received the police I sent a copy of the police the lender ( XXXX ). XXXX never recognized the change in XXXX and continued to charge my as an escrow impound. This year I plan to purchase the insurance again for the year, but again the lender continues to not recognize the insurance I purchased. I have had the lender on the phone XXXX different times and the story continues to change. XXXX conversation the lender stated that an additional bill was received by the XXXX and was paid by XXXX. Odd the verification of insurance was sent to sent to XXXX and it can be seen in the outbox on the XXXX website, yet the lender continues to deny any letter regarding the insurance XXXX was ever received. I paid for the insurance in full for XXXX year, ( the amount I paid was {$2300.00} approx on XX/XX/year> ). As mentioned the lender has provided me different information, the last representative stated, " I ( XXXX XXXX ) am responsible to obtain a refund from the insurance company XXXX. The prior representative said, " The insurance carrier ( XXXX  ) was credited the amount of the premium. Regardless I am being double charged for the insurance ( paid in full XXXX and impounded / charged monthly by the lender and they fail to recognize the fact I paid for the insurance in full for a period of XXXX year and Rushmore continue to charge me and fails to acknowledge I have paid. Thank you in advance for your help. All the information stated above is XXXX percent true and fact to the best of my ability. Please note, XXXX insurance ( because I am in California is underwritten by XXXX under a different name which escapes me at the moment ( Home something ). Gladly I will provide you the police number and other information should you need. Thank you again in advance. Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Subject : Complaint Regarding Student Loans from XXXX XXXX XXXX XXXX Dear CFPB, I am a former student of XXXX XXXX XXXX, which has since closed. I currently have student loans for this school, and I am requesting guidance and assistance regarding loan discharge or forgiveness. 

Since the school closed, I have been unable to complete my program, and I am concerned about my loan obligations. I request that the CFPB review my case and advise on : XXXX. Whether my loans are eligible for discharge due to the school closure. 
XXXX. How to dispute or correct any inaccurate reporting related to these loans. 

Attached are copies of my loan documents and any correspondence from the school or loan servicer. I appreciate your assistance and guidance in resolving this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. Despite this, causing unnecessary stress, financial hardship, and damage to my credit. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX denied 20 unauthorized debit card transaction disputes on my account, claiming the activity was authorized based on login activity, rapid spending, and funding from a third-party XXXX XXXX account. These factors do not establish authorization and are known indicators of account compromise. 
The transactions occurred between XX/XX/XXXX and XX/XX/XXXX and show a clear fraud pattern, including small test charges followed by escalating amounts. I did not authorize these transactions and received no benefit from them. 
XXXX  has not provided evidence that the transactions originated from my device, IP address, or location, nor proof that I controlled or authorized the XXXX XXXX account used to fund the activity. Despite timely reporting and full cooperation, XXXX  denied all disputes without substantiated evidence, in violation of the Electronic Fund Transfer Act and Regulation E. XXXX  also inconsistently approved some transactions disputed in the same batch from the same vendor while denying others, despite relying on the same justification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lentegrity Management, LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am in receipt of your recent billing statement regarding the above-referenced account. This correspondence constitutes formal notice that I dispute this alleged debt in its entirety. 

To date, I have never been provided with a copy of the underlying retail installment sale contract, loan agreement, or any documentation establishing the terms, parties, or enforceability of the alleged obligation. I have also never received required disclosures typically associated with an auto loan transaction, including but not limited to warranty information and co-signer notices. 

Additionally, I dispute the accuracy of your records as to the identity and capacity of the parties to the alleged contract. Specifically, there are material issues concerning the designation of the primary buyer and co-signer at the time of origination. Any attempt to collect without producing the original contract and competent evidence resolving these defects is improper. 

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the XXXX Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ), and applicable California law, please provide the following : 1. A true and complete copy of the original retail installment sale contract or loan agreement, including all signatures, disclosures, and addenda.

2. Documentation establishing that I am legally obligated on the account in the capacity you allege.

3. A complete itemization of the amount claimed, including principal, interest, fees, and the contractual basis for each.

4. Competent evidence of your legal standing to collect, including a complete chain of assignment identifying this specific account from the original creditor to your organization.

5. Identification of the original creditor, date of default, and date of charge-off, if applicable.

Until such time as you provide the above validation, you are directed to cease collection activity. Any continued attempt to collect, or any reporting or updating of this disputed account to a consumer reporting agency without proper verification, may constitute violations of federal and California law. 

This notice is sent without waiver of any rights or defenses, and nothing herein shall be construed as an admission

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am sending this complaint with the intention of bringing attention to an inaccuracy that currently appears on my consumer credit report, and to formally request that this information be investigated and corrected in accordance with the Fair Credit Reporting Act. I take my financial responsibilities seriously and make a consistent effort to ensure that all information reported about my credit history is complete, fair, and accurate, as this information plays a significant role in how my overall creditworthiness is evaluated. The first account, XXXX account number XXXX, opened on XX/XX/XXXX, shows a current balance of {$0.00}, with a date of last activity of XX/XX/XXXX, and is reported as late XXXX  days in XX/XX/XXXX. The XXXX account, XXXX XXXX  account number XXXX, also shows a XXXX balance but is reported as late 90 days, tied to the opening of a separate account. Both accounts have been handled responsibly, with no outstanding balances, and their reporting does not accurately convey their resolved status. Under FCRA 611 ( 15 U.S.C. 1681i ), as a consumer reporting agency, is required to conduct a reasonable investigation when a consumer disputes information on their credit report and to correct or update any information that is found to be inaccurate or incomplete. Additionally, FCRA 623 ( a ) ( 2 ) obligates information furnishers to promptly correct and update previously reported data once an inaccuracy is identified. Ensuring that these accounts are accurately reported as Paid as Agreed is essential for compliance with this requirement. Furthermore, FCRA 623 ( b ) outlines the duty of information furnishers to conduct a thorough and good-faith investigation once a dispute is received from a consumer reporting agency. During this dispute process, 15 U.S.C. 1666 and 1666a emphasize the importance of proper billing accuracy and restrict adverse treatment of accounts that are under active review, reinforcing the expectation that consumer credit information must be handled with care, precision, and fairness.

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 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am sending this complaint with the intention of bringing attention to an inaccuracy that currently appears on my consumer credit report, and to formally request that this information be investigated and corrected in accordance with the Fair Credit Reporting Act. I take my financial responsibilities seriously and make a consistent effort to ensure that all information reported about my credit history is complete, fair, and accurate, as this information plays a significant role in how my overall creditworthiness is evaluated. The first account, XXXX account number XXXX, opened on XX/XX/XXXX, shows a current balance of {$0.00}, with a date of last activity of XX/XX/XXXX, and is reported as late XXXX  days in XX/XX/XXXX. The XXXX account, XXXX XXXX  account number XXXX, also shows a XXXX balance but is reported as late 90 days, tied to the opening of a separate account. Both accounts have been handled responsibly, with no outstanding balances, and their reporting does not accurately convey their resolved status. Under FCRA 611 ( 15 U.S.C. 1681i ), as a consumer reporting agency, is required to conduct a reasonable investigation when a consumer disputes information on their credit report and to correct or update any information that is found to be inaccurate or incomplete. Additionally, FCRA 623 ( a ) ( 2 ) obligates information furnishers to promptly correct and update previously reported data once an inaccuracy is identified. Ensuring that these accounts are accurately reported as Paid as Agreed is essential for compliance with this requirement. Furthermore, FCRA 623 ( b ) outlines the duty of information furnishers to conduct a thorough and good-faith investigation once a dispute is received from a consumer reporting agency. During this dispute process, 15 U.S.C. 1666 and 1666a emphasize the importance of proper billing accuracy and restrict adverse treatment of accounts that are under active review, reinforcing the expectation that consumer credit information must be handled with care, precision, and fairness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am sending this complaint with the intention of bringing attention to an inaccuracy that currently appears on my consumer credit report, and to formally request that this information be investigated and corrected in accordance with the Fair Credit Reporting Act. I take my financial responsibilities seriously and make a consistent effort to ensure that all information reported about my credit history is complete, fair, and accurate, as this information plays a significant role in how my overall creditworthiness is evaluated. The first account, XXXX account number XXXX, opened on XX/XX/XXXX, shows a current balance of {$0.00}, with a date of last activity of XX/XX/XXXX, and is reported as late XXXX  days in XX/XX/XXXX. The XXXX account, XXXX XXXX  account number XXXX, also shows a XXXX balance but is reported as late 90 days, tied to the opening of a separate account. Both accounts have been handled responsibly, with no outstanding balances, and their reporting does not accurately convey their resolved status. Under FCRA 611 ( 15 U.S.C. 1681i ), as a consumer reporting agency, is required to conduct a reasonable investigation when a consumer disputes information on their credit report and to correct or update any information that is found to be inaccurate or incomplete. Additionally, FCRA 623 ( a ) ( 2 ) obligates information furnishers to promptly correct and update previously reported data once an inaccuracy is identified. Ensuring that these accounts are accurately reported as Paid as Agreed is essential for compliance with this requirement. Furthermore, FCRA 623 ( b ) outlines the duty of information furnishers to conduct a thorough and good-faith investigation once a dispute is received from a consumer reporting agency. During this dispute process, 15 U.S.C. 1666 and 1666a emphasize the importance of proper billing accuracy and restrict adverse treatment of accounts that are under active review, reinforcing the expectation that consumer credit information must be handled with care, precision, and fairness.

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cash app due to inadequate customer service and unfair business practices that I believe violate the Consumer Financial Protection Act ( CFPA ). I have experienced unresolved issues, a lack of proper support, and unresponsiveness when seeking assistance. These actions have caused inconvenience, financial concern, and a significant lack of confidence in the companys handling of consumer-related matters. I am requesting a thorough review and resolution of this situation in accordance with consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Applied for and received a XXXX XXXXXXXX XXXX XXXX  from the Huntington Bank bank where my savings and checking accounts are. The bank manager, XXXX XXXX offered this credit card based on our XXXX  credit rating ( XXXX ). 
I used this card, and paid the account in full 3 days before the due date. My checking accounts records show this this payment was deducted on XXXX ; the payment was due on XXXX, so my payment was made 3 days early. I received a past due statement with a {$12.00} late payment fee. I contacted customer service and they stated that payment was not showing. The credit card division has no ability to check my savings account for verification. I went to my Huntington Bank branch, spoke with XXXX XXXX, who showed me on her computer that the payment was made and that the {$12.00} late fee was reascended. I received another late notice, called customer service, spoke to 'XXXX  ' who said that he would file a 'lost payment ' investigation - or something to that affect. I went, again to my local branch, spoke with XXXX XXXX again regarding the issue, and she showed me again on her computer that the payment had been made and there was no balance. I received another letter from Hunting Bank on XXXX stating that my account was overdue. I called customer service and he stated that there was only a recent {$38.00} charge, leaving a balance of {$38.00}. 
I received my second statement from Hunting Bank credit card on XXXX showing that payment had not been made from the XXXX monthly statement, the {$12.00} late fee was still showing along with interest fees as well. I got the Hunting Bank Credit Card because of their promotion which does not charge interest if payment is made in full with each monthly statement. Once again, I made the full payment from the XXXX statement 3 days before the due date. I have my bank statements to prove this. 
Respectfully

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$52.00} {$52.00} PURCHASE XXXX XXXX * XXXX XXXX XXXX {$46.00} {$46.00} MOBILE PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$55.00} {$55.00} MOBILE PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$120.00} {$120.00} TRANSACTION DESCRIPTION TRANSACTION AMOUNT DISPUTED AMOUNT PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$41.00} {$41.00} PURCHASE XXXX XXXX * XXXX XXXX XXXX {$150.00} {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX {$37.00} {$37.00} XXXX XXXX XXXX XXXX XXXX MN XXXX {$70.00} {$70.00} PURCHASE XXXX XXXX XXXX XXXX XXXX {$130.00} {$130.00}

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
This account is being reported inaccurately and in violation of the FDCPA. I have no contract or agreement with this debt collector, and they have failed to provide any legally required validation. A valid agreement requires my signature, which they can not produce. Because they did not follow the proper validation procedures, they are furnishing unverifiable information to the credit bureaus. Reporting an account that can not be validated is a direct violation of my consumer rights. Since this debt collector is unable to provide a signed contract or complete validation, I am formally requesting the immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/year> : I had initiated a $ XXXX wire to purchase a car. I had received a verification call that same day which I explained Im buying a car. They said that sounds good and we will send it out. 

XX/XX/year> : funds were not sent out, and I called again and they asked me the same questions regarding what is it for, but they were much more antagonizing and accusatory. I hung up after the first call and noticed my account was unable to be accessed. I called back again and they said theyre reviewing my account and give it until the end of day. 

XX/XX/year> : I called later the same day and the representative stated they will help me again, and to give it a day. Everything seemed to be in order. I was told a decision wouldve been made, but they gave me an excuse that it may take to tomorrow morning. 

XX/XX/year> : account is still unable to be accessed, I go physically into a branch and ask for help. We get on the phone together and confirm theyve decided to close my account. I am shocked, but my main worry is to remove my funds, as to which they say I will no longer have access to my accounts. I told them I need my money as this is my only way to pay bills. They state theyll get back to me and theyll escalate to see if I can get my funds. Theres no clear communication of why XXXX cant even access my account to remove my funds, and they would not release any funds to me and have no estimate of when this will be. I requested to have the ability to get a cashiers check that same day so I may pay my bills, to which they refused.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
The impact and toll this has had on me has been overwhelming being denied credit for something I have no knowledge to even be on my record this debt collector has done with the FDCPA prohibits. They furnished this account that I did not sign a agreement on .A Legal contract is signed by two parties and I didn't sign any documents they didn't follow the proper 5 step validation procedure according to the FDCPA, I'm entitled to compensation for these violations and clearly, they breached my rights and abused my privileges I demand this account be taken off immediately

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation