vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I fell on financial hard times and was unable to complete last payment on car to BECU. Car loan was sold to a company ( XXXX XXXX ). I was told once I could pay them I would have title transferred to my name from BECU, both by BECU and XXXX XXXX. I paid in full XXXX total {$1500.00}. XXXXXXXX XXXX advised me to call BECU to gain title. I called BECU and was then advised they sold the title to an entirely separate company XXXX XXXX XXXX XXXX without my awareness. I called them and they demanded {$7900.00} to release the title to me. This amount is more than XXXX what my remaining loan was. I was also never made aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
They went to court. They got my garnish 's wages, but they take {$450.00} every XXXX weeks out of my paycheck, which I think is more than XXXX %. Because I make XXXX after taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX Synchrony Bank store credit card that was opened with a deferred interest promotional financing offer " No Interest if Paid in Full '' within a XXXX promotional period. At the time of purchase, the XXXX XXXX employee helped me set up my payments with the understanding that I would pay off the full promotional balance within the XXXX period. I believed my automatic payments were configured at an amount sufficient to pay off the balance before the promotion expired. Instead, the payments were set to the minimum payment amount which Synchrony 's own website acknowledges " are NOT guaranteed to pay the promotional balance within the promotional period. '' During the entire promotional period, I made every required payment on time without exception. My balance declined from approximately {$2600.00} in XX/XX/XXXX to approximately {$1800.00} by XX/XX/XXXX. Despite this track record, when the promotional period expired, Synchrony retroactively assessed approximately {$2000.00} in deferred interest charges dating back to the original purchase date on my XX/XX/XXXX statement. My balance nearly doubled overnight from {$1800.00} to {$3900.00}. The only warnings I received were brief " XXXX ( XXXX ) Expiring Shortly '' notes on my XXXX and XX/XX/XXXX statements roughly XXXX XXXX into the XXXX promotion. For the first XXXX XXXX, no statement or communication indicated that my payment amounts were insufficient to avoid retroactive interest charges. No suggested payoff amount was ever communicated. I contacted Synchrony by phone to dispute the charges and was unable to reach anyone with the authority to review or reverse 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 monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I made the payment on time. These entries do not reflect my true payment history, and I will not accept false reporting that damages my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple credit card accounts that are currently being reported on my consumer report with charged-off status and significant balances, yet lack proper verification and supporting documentation. The accounts in question is : AMEX Account XXXX. XXXX These accounts have previously been disputed ; however, they continue to be reported without any documentation demonstrating that a reasonable investigation was conducted or that the information is accurate and complete. To date, I have not been provided with : - A copy of any original signed agreement or contract establishing liability - A complete accounting of how the balances were calculated - Documentation confirming the date of first delinquency and charge-off accuracy - Evidence that the furnisher conducted a proper investigation as required under federal law Under the Fair Credit Reporting Act, specifically FCRA 611 ( a ) and 607 ( b ), all information reported must be accurate, complete, and verifiable through a reasonable investigation. Additionally, under FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ), furnishers are prohibited from reporting information that is inaccurate or failing to properly handle disputed information. The continued reporting of these accounts without adequate verification raises serious concerns regarding compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: TN

Complaint narrative:
Re : Formal Demand for Debt Validation & Notice of FCRA Violations To Whom It May Concern, This letter serves as a formal notice and demand for validation of the alleged debt you claim I owe in the amount of {$3300.00} on XX/XX/2025. I have previously requested validation of this account, and to date, you have failed to provide any competent evidence that I have a legal obligation to pay this debt. Your continued attempts to collect, along with any reporting of this account to credit reporting agencies without proper verification, constitutes a potential violation of federal law. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), you are required to provide verifiable proof of this debt before continuing any collection efforts or furnishing information to credit bureaus. At this time, I formally demand the following : The name and address of the original creditor The original account number A complete accounting of the alleged debt, including all fees, interest, and charges Copies of any contracts or agreements bearing my signature Documentation proving I am legally obligated to pay this debt Proof that your agency is authorized to collect on this account Evidence that you have verified this debt in accordance with FCRA requirements before reporting it Be advised : You are not permitted to continue collection activities without validating this debt You may not report or continue reporting this account to any credit reporting agency without proper verification Reporting unverified or inaccurate information is a direct violation of the FCRA If you have already reported this account to any credit bureau without conducting a reasonable investigation, you are in violation of FCRA 1681s-2 ( b ). Failure to comply with this request within 30 days of receipt of this letter will leave me no choice but to take further action, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing a complaint with the Federal Trade Commission ( FTC ) Pursuing legal remedies for violations of the FDCPA and FCRA Additionally, if you can not provide the requested validation, you must : Immediately cease all collection efforts Delete any reference to this account from all credit reporting agencies Provide written confirmation that the account has been closed and removed All future communication must be in writing. Telephone contact is hereby refused. This is your opportunity to resolve this matter in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts on it.

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 2026-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: E Mortgage
State: CA

Complaint narrative:
I originally received a call someone calling for XXXX XXXX at E-Mortgage XXXX on XX/XX/2025. While my interaction with him was not bad I continued to get calls after my initial interaction with him. I asked his team mates not to call me. I have asked repeatedly not to be contacted and to be but on a do not call list. They call me 1 to 3 times a day since. Every time from a different numbers to be clear I dont know if its XXXX or someone that works directly with him. It is e mortgage XXXX and I keep on asking to not be called. They hang up when I ask for contact information. When I ask why they keep on calling the get aggressive and say do I want to refinance or not? I just want the calls to stop.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Collection Account To Whom It May Concern, Please see the attached letter from XXXX confirming cancellation of the debt. Based on this documentation, I am requesting that the collection account in the amount of {$470.00} be removed from my credit report. Thank you for your prompt attention to this matter. Please update my credit file accordingly.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint regarding AVIO Credit. I have never opened an account with AVIO Credit, taken out a loan throug h them, or conducted any type of business with this company. Despite this, AVIO Credit is associated with a debt or reporting connected to my name. I do not recognize this account and never authorized any agreement with this company. Because I have never done business with AVIO Credit, I believe any reporting connected to my name is inaccurate. If an account exists, it was opened without my knowledge or authorization. I am requesting that AVIO Credit provide full verification of this alleged account, including any signed agreement or documentation showing that I entered into a contract with them. If AVIO Credit can not provide valid proof that I authorized this account, I request that any reporting connected to my name be immediately removed and corrected. This situation is affecting my financial record and credit profile, and I am requesting that this matter be investigated and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I am filing this complaint against PayPal ( Case XXXX ) for refusing to reverse {$530.00} in fraudulent transactions resulting from a documented Technical Account Takeover ( ATO ) and Criminal Extortion. On XX/XX/year>, my computer was infected with XXXX ( Stealer malware ) as verified by forensic antivirus logs ( captured in file extortion proof XXXX ) at XXXX PM. During this window of infection, the attacker used remote access to bypass my security and initiate unauthorized transactions. I have provided PayPal with XXXXXXXX XXXX XXXX Police Report XXXX, which officially classifies this incident as " Fraudulent use of credit device-unauthorized '' ( XXXX XXXX ). Despite this, PayPal 's XXXX XXXX XXXX ( XXXX : XXXX ) has denied my claim based on " verifiable confirmation '' provided by the recipient. However, I have submitted evidence ( XXXX XXXX XXXXXXXX ) where the recipient explicitly admits to " staging '' evidence and planting illicit content on my account to deceive PayPal 's investigators. PayPal is knowingly relying on admitted criminal fabrications over a verified XXXX Police Report. This is a violation of my rights under Regulation E regarding unauthorized electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PatientFi, Inc.
State: TX

Complaint narrative:
I have a chronic spine issue and decided to try stem cell therapy through XXXX XXXX. XXXX XXXX utilizes a financial company, Patient FI, which offered a loan in the amount of {$12000.00} to be repaid over a 12 month 0 interest period beginning in XX/XX/XXXX. I provided a valid debit card info to Patient FI and everything proceeded without incident through XX/XX/XXXX. Then on XXXX XXXX I received an email from Patient FI advising my debit card will expire the last day of XX/XX/XXXX, which was correct. Patient FI always submitted their bill for payment on the XXXX of each month except for XXXX XXXX. On XX/XX/XXXX I received another email advising my card would be expiring the last day of XX/XX/XXXX. For some reason they decided not to request the payment for XX/XX/XXXX on the XXXX like the previous 11 months. According to Patient FI my lack of payment on the XXXX of XXXX I did not fulfill my contract with them. The debit card I provided was still active and the funds was available in my bank account. On XX/XX/XXXX I made a manual payment in the remaining amount of {$1000.00}. Loan Paid in Full. Continue to receive emails from them indicating i owe over {$2000.00} in late fees with the latest urging me to address the matter to avoid further consequences. I repaid the {$120000.00} loan in the agreed 12 month period, I truly believe they developed this situation to provide a method to charge and collect interest or late fees. I now consider this harassment and it needs to stop,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THERE ARE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AND BELIEVE MAY BE REPORTED IN ERROR.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
On a Friday XXXX I received a text message from a scammer acting as a Chime agent. Which is who I bank with. This person texted saying that they were with chime as an agent and asked me to reply with Y for yes or N for no on a transaction attempt to my card. After me replying N they mentioned that a chime agent will call me and that they placed a temporary block on my card. The same number that texted me called me and the scammer proceeded to read to me my checking balance which I dont know how she got into my account to see my information. She began to inform me urgently that my account was compromised and that someone logged into my account and that I needed a new account and that she would transfer my money, unknowingly of course I fell victim to the scam. I have screenshots of her message and her call duration. After this the scammer had me to transfer XXXX dollars on one occasion and XXXX on another. I called the real chime customer service number to inform them of what happened so that we could file XXXX disputes. Both of my disputes was denied. After this I went to the sheriffs department to file a police report on XXXX and chime reopened one of the disputes. Later to deny it again. Chime then sent me a email showing me documents used for my dispute but they only emailed me ONE screenshot that showed the transferring of funds request from the scammer, they did NOT show the document of the screenshot text message of the scammer texting my phone number. This scammer was able to drain nearly XXXX from my account, and chime is choosing to not consider the debt of this dispute and is completely writing it off as a transfer of money. It 100 % was a scam and act of fraud and I would like to be credited my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I am filing a complaint because of a serious concern regarding the joint loan my husband and I took out on XX/XX/XXXX, with the representative, XXXX. During the loan process, XXXX clearly explained and offered us XXXX insurance. She assured us that in the event either of us was unable to work due to injury or illness, the insurance would cover our monthly payment in full, with no repayment required, for an additional charge. Given that both of us are elderly, we agreed to this option for peace of mind, and XXXX guided us through every step, having us sign all necessary documentsincluding the XXXX insurance agreement. She went through the paperwork page by page and confirmed that all signatures were complete and the loan was ready to be submitted. I want to stress that we would not have proceeded with the loan had we known the XXXX insurance would only cover one of us. XXXX was very clear in stating that we were both protected under this policy. Unfortunately, when my husband was injured and required XXXX on XX/XX/XXXX, resulting in several months out of work, we filed a claim with XXXX as instructed. We provided all the paperwork requested for my husbands claim, only to be told that his claim was denied because the insurance was solely in my name and not his. This is both confusing and disappointing. It does not make sense that, for a joint loan, only one applicant would be covered by the XXXX insurance. This is a significant misrepresentation and, in our view, a breach of the agreement we entered into. XXXX, who no longer works with your company, assured us repeatedly that everything was in order and congratulated us upon completion. I even requested to hear the recording of our transaction, but this request was denied. They offered for us to pay {$300.00} of the monthly payment but I can not afford that with just my salary. It is not our fault that the representative failed to properly complete or verify the loan agreement and insurance details before submission. We trusted her guidance and believe XXXX should honor the coverage agreement as it was explained and intendedfor both my husband and myself. If this can not be resolved, we feel the loan was misrepresented to us and would not consider it binding. Please review this matter as soon as possible. It is extremely important to us, especially considering our age and the circumstances. I look forward to your prompt response and a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: KS

Complaint narrative:
The Department of Education offered a one-time IDR Account Adjustment that would have credited my full XXXX loan history toward forgiveness, but XXXX borrowers had to consolidate into a Direct Loan by XX/XX/XXXX. I was never properly notified of this deadline. XXXX communicated exclusively by email, a practice their own settlements deemed legally insufficient. The XXXX XXXX XXXX XXXX has formally stated that the failure to notify XXXX borrowers of this deadline likely violates federal and state consumer protection law. I have conducted extensive research and documented my case thoroughly. I have a XXXX loan servicer response and account history from MOHELA, XXXX XX/XX/XXXX. This document contains my complete payment history, deferment and forbearance records, repayment plan history, and all servicer correspondence dating back to XXXX. It substantiates every claim in this letter and provides a clear, month-by-month accounting of my XXXX XXXX of loan history and my legitimate path to forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: MOHELA
State: CA

Complaint narrative:
I have mutliple open tickets with Mohela, and I have started communicating them about these issues in XXXX. They have the autopayment deduction amount incorrect and say my account is much overdue. I have paid the outstanding balance many, many times. They will not figure out a resolve and this has impacted my credit score. This is extremely messed up - Call XX/XX/XXXX - Post 10 Days Due Call for Backend Resolve - XXXX escalations previously ( submitted XX/XX/XXXX, both are open and processing ) - XXXX business days is just an estimate but they have not resolved for months

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
Well I'm XXXX of the people that is currently getting paying for credit insurance and other additives on my loan that is already high high in percentage rate and then I got to have to get a refinance another one to get any didn't even help me

Company response to consumer: Closed with explanation