vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: DC

Complaint narrative:
I am writing in response to your letter dated XX/XX/year>, regarding my dispute under Section 623 ( a ) ( 8 ) of the Fair Credit Reporting Act ( FCRA ) for account number XXXX. This correspondence provides the specific information being disputed, the basis for the dispute, and references to supporting documentation, as requested. 1. Specific Information Being Disputed I am disputing two late payment notations reported by EdFinancial to the nationwide consumer reporting agencies on my federal student loan account. 2. Basis for the Dispute The two late payments are inaccurate and misleading because they were reported during a period in which my account qualified for, and was communicated as being placed into, federally protected relief. Specifically : My account was approved for a financial hardship arrangement with XXXX XXXX monthly payments. I received written notice from EdFinancial confirming that, under the U.S. Department of Educations post pandemic on ramp period, my loan would be placed into forbearance for the months I missed, my account would no longer be considered delinquent, and would be made current. Despite this written confirmation, my subsequent applications for forbearance were denied, and two late payments remained reported, which is inconsistent with the communicated on ramp forbearance and hardship determination. Because the missed payments occurred during a period that EdFinancial stated would be covered under forbearance and not treated as delinquency, the continued reporting of late payments does not accurately reflect my account status. 3. Supporting Documentation The basis of this dispute is supported by documentation previously provided and available to EdFinancial, including : Written on ramp forbearance notices sent to me by EdFinancial, Confirmation of my approved hardship arrangement with {$0.00} payments, an Billing and account communications that conflict with the on ramp forbearance notice. If necessary, I am prepared to provide a copy of my credit report highlighting the disputed late payments upon request. 4.Request for Investigation This dispute is not frivolous or irrelevant. It identifies specific inaccurate information, provides a factual basis, and references supporting documentation. I am formally requesting that EdFinancial conduct a reasonable investigationpursuant to FCRA 623 ( a ) ( 8 ) and correct the inaccurate reporting by removing the two late payment notations. Please provide written confirmation of the results of your investigation. Sincerely, XXXX XXXX XXXX Number : XXXX Number : XXXX Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I accidentally scheduled two of the same transfer from an external bank account into my SoFi account. The external account had insufficient funds for both and pulled both back. In my haste, I immediately tried to schedule the second transfer back to my external bank before realizing that they had been returned for insufficient funds. When I tried to move money back into SoFi, there was suddenly a deposit limit that was not only met, but exceeded, of {$1000.00}. I was unable to make my transfer, and was given the bare minimum customer experience throughout trying to resolve this. Instead, I was told to use alternative methods like XXXX or a wire transfer. I pushed back because those have fees, and I was planning to make more than $ XXXX in deposits per month. Instead of listening, I was suddenly given credits to pay for a wire transfer without my consent. Then they tried to hold that over my head for not doing it - I was never going to do a wire transfer or XXXX. I wanted to transfer from one bank to the other, like I always do, and have not been given an acceptable explanation for the limit other than " to protect the bank and you '' but it did not protect me, it harmed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I am filing a complaint regarding my merchant account with Fiserv / Clover, under XXXX XXXX XXXX. My account was closed and funds were placed on hold for 180 days. While I understand that reserves may be applied, I have repeatedly requested the following information and have not received it : A copy of the executed merchant agreement for XXXX XXXX XXXX A formal written notice of account closure A detailed reserve ledger and transaction-level breakdown of held funds A full statement of all processing fees charged Despite multiple written requests, the company has failed to provide this documentation. They have only provided partial batch totals, which do not allow me to verify the accuracy of the funds being held or the fees charged. This lack of transparency is concerning given the financial impact and prevents me from properly reconciling my account. I am requesting that Fiserv provide full documentation and a detailed accounting of all funds and fees related to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I'm trying to close on sell of my property asked for payoff Demand since XX/XX/year>XXXX and they keep payoff quote.I am about to lose my security clearance because need to payoff debt with proceeds.Title company keeps calling them I have communicated.The person that is buying property is about to back of deal.I am about to lose XXXX for home sale because Carington refusing to send correct documents to Title company and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
This company calls every day, multiple times a day. I have talked to them numerous times, made arrangements with them and they call the very next day. I representatives have told me they have no way of stopping the daily calls and they have advised many customers of this. I have advised them that I consider the excessiveness harassment and they agreed with me. I am now current and they are still calling me. I have advised them that I know after a communication has been made with me, they are not to call me again for 7 days. They advised they have no way of stopping the calls. This has caused me a lot of XXXX and stress. There has been times when I answer, verify my information, they've confirmed I talked to them the previous day but they still continue to call daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> i applied for a pre qualified offer by capital one. The offer was spend {$500.00} in 3 months receive XXXX bonus flight miles upon card approval. I was approved instantly and have spent well over the amout. My account doesnt reflect this award. I called and spoke to a manager and was told the details of this offer are not linked to my account and there's nothing they can do despite me having proof of the offer. They refused to look at it. I explained its not a generic ad this is a pre qualified offer that personally names me in the offer. I rightfully earned these bonus miles and pay my account on time each month. I never would have applied for the card at all if it wasnt for this specific offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I reached out to Continental finance and explained that I am being charged for credit protection that I never agreed to. The representative stated that the manager said I applied for it when I opened the account. I then left a message for the manager, and she called me back and stated that she had proof that I applied through their website for the credit protection. She stated that she was going to send me proof and never did. I know that I did not apply for any credit protection with them.

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 2026-04-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AL

Complaint narrative:
Company : Cash App / Square , Inc. Date of incident : XX/XX/year>XXXX Amount : {$350.00} Issue : Unauthorized debit / fraud Complaint : On XX/XX/year>, my Cash App Card was used without my permission for {$350.00}. I did not authorize this transaction. I filed a claim and an appeal with Cash App, but both were denied. I am requesting help to recover the stolen funds and ensure proper fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing a complaint against Bank of America regarding two auto loans on my account. On XX/XX/year>, I contacted Bank of America and spoke with a representative regarding financial hardship. During that call, I was approved for a payment arrangement in which my XXXX payment would be deferred and then split evenly over the following six months. The Payment agreement was {$900.00} for the loan for six months that was {$770.00} due on XX/XX/XXXX they and first payment would be XXXX XXXX of the new amount. The other was for a loan due XX/XX/XXXX that would have been {$980.00} cents. The agreement would of made the payment XX/XX/XXXX in the amount of {$1100.00} I relied on this agreement to manage my finances. Now, Bank of America is refusing to honor that agreement and is stating that the arrangement is not possible, despite the fact that it was already offered and agreed to by their representative. This has placed me at risk of falling behind on my loans through no fault of my own. I made financial decisions based on the terms they provided. I am requesting that Bank of America : Honor the original agreement made on XX/XX/year>, to defer my XXXX and XXXX payment and spread them over six months, OR Review the recorded call from that date and provide a reasonable resolution consistent with what was promised This situation is causing significant financial stress and uncertainty. I am simply asking that the bank follow through on the agreement that was made.

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 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
My husband, XXXX XXXX, tried to make a payment after the forbearance ended, after not being contacted about making arrangements as we were told we would be, and he was told the total amount of approx {$10000.00} was due, and the forbearance was just a pause, and the entire previous unpaid amount was now due all at once. Then we were told not to make any payment because the loan needed to be at least four ( 4 ) months past due for loan modification to be available to us. Since we missed XX/XX/XXXX 's payment while waiting to get forebearance approved, XX/XX/XXXX made four months, so this does not make sense, and now, as of XXXX, we are six ( 6 ) months behind. I know that this is not the way forbearance is supposed to work, and none of the options that are supposed to be available were offered. The fact that Planet Home Lending did not contact us thirty days before the end of the forbearance period and attempted to demand a balloon payment at the end of the forbearance period, and is now allowing our loan to go even further in arrears while they say they are doing a loan modification, makes absolutely no sense and makes us fearful of losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to Caine & Weiner Company, INC under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to Caine & Weiner Company , INC, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report I found XXXX accounts that I did not authorize and have no knowledge of. I sent the credit bureaus my ID theft report with these XXXX accounts listed. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account # - xxxxxx XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account # - xxxxxx XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Account # - 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 2026-04-09 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/year>, Citizens Bank received my Notice of Error and Request for Information under 12 C.F.R. 1024.35 and 1024.36 ( RESPA / Regulation X ), confirmed by USPS delivery. Citizens Bank acknowledged receipt in correspondence dated XX/XX/year>XXXX but failed to provide the required substantive response within 30 business days. No extension notice was provided. The response deadline expired on XX/XX/year>. This constitutes a failure to comply with 12 C.F.R. 1024.35 ( e ) and 1024.36 ( d ), which require a reasonable investigation and written response within the statutory timeframe. This failure is consistent with a broader pattern over multiple years in which Citizens Bank has failed to properly process borrower correspondence, including misapplied payments and inaccurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
My deceased father had a judgment against him with Barclays Delaware for {$3500.00} and I am trying to close on a piece of property and the closing attorney is requesting a payoff letter to pay this at closing. I have repeatedly sent the probate documents saying I was appointed personal representative for my fathers estate and Barclays has yet to send the payoff letter. I provided all the required paperwork and followed up countless times on the phone and they've done nothing. I can't close on this house until the closing attorney receives this letter. 4 weeks this has been going on.

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, so what happen is that in the end of XX/XX/year>, capital one credit card company locked my credit card for a suspicious, which is the normal thing for a credit card company lock the card, but that is whre everything start it, when i called to unlocked my card which was used by my son in XXXX, and after my 2 phone calls almost 2 hours nd frustration they didnt unlocked my card which i still was have credit left. i believe {$300.00} ( credit card limit ( {$5.00} ) XXXX by the way they left my son stranded and unable to access to the card. so afte this almost 2 hours they didnt unlocked my card even after give them all the info they were asked for ... ( until they ask me to scan my ID ) which i did multiple time.. but they were found an excuse to do not unlocked my card until i told them that if they dont unlocked my card i will close the account without pay a pennis, since they breach the contract .. and now we are to the point that we went 3 times to the court and finally today i had the letter from the court staed that i owe them {$7.00} which i will not pay. so i asked you to investigate this fraud from this wild dogs. and i specifically i was requested the 2 phone calls where it will resolve this matter, but they never brought to the court,, they were there " only '' for the money doesnt matter who's fauld it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
American Express did not address my complaint in substance. For account ending in XXXX, it refused to respond because the account is in litigation, even though my complaint was about continued collection-related conduct after repeated identity-theft notice, not court procedure. For account ending in XXXX, it again denied my fraud claim, refused to change its reporting, and said its decision was unchanged. Most importantly, American Express now claims that because payments were made from my XXXX XXXX XXXX account, I accepted liability for the disputed American Express account. That is the exact point I dispute. I submitted an updated FTC Identity Theft Report ( XXXX XXXXXXXX ) stating that AmEx account XXXX and related account XXXX were not opened, authorized, used, or ratified by me, and that the XXXX account activity was compromised. I also attached a XXXX fraud alert showing fraud monitoring had already been triggered on my debit card ending in XXXX. American Express did not meaningfully address that evidence and instead repeated its prior position and closed the matter.

Company response to consumer: Closed with explanation