vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 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: SC

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 explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXXVIA EMAIL: XXXXWells Fargo\r\nClaims Assistance Center\XXXX XXXX XXXX NC XXXXRe: URGENT: Rebuttal of Dispute Reversal Claim # XXXX XXXX XXXXnAccount ending in XXXXDear Claims Department,\r\nI am in receipt of your correspondence dated XXXX XXXX XXXX stating that your records indicate that I have received the \r\nfull amount of the funds requested and Wells Fargo will reverse the provisional credit on XXXX XXXX XXXX Your \r\ncorrespondence claims a reversal is being made because a credit was already received. This is factually incorrect. No \r\nsuch credit has posted to my account, nor has any refund been successfully processed by the merchant.\r\nI am writing to formally contest your decision to reverse the provisional credit for the transaction involving XXXXXXXX XXXX XXXX in the amount of $XXXX made on XXXXr\nThe facts of the dispute are as follows:\r\n Failure of Service: The third-party platform XXXX) canceled the reservation, \r\nclaiming the transaction failed. Consequently, the hotel had no record of payment.\r\n Duplicate Payment: Because the reservation was canceled, the guest was required to pay \r\nfor the hotel directly at the front desk to secure the room. Reversing my credit results in a \r\nduplicate payment for a single stay.\r\n Processor Error: XXXX deducted the funds from my Wells Fargo account, but the third\x02party platform maintains they never received the funds.\r\n I have attached proof that the third-party Merchant (XXXX) cancelled the charge. \r\n I have attached proof that XXXX is receiving the same information concerning the \r\ncancelled charge and this claim is still under investigation.\r\nI hereby demand that the provisional credit not be reversed on XXXX XXXX XXXX, and that this Claim be reinstated\r\nimmediately while a thorough investigation is conducted into where the funds are currently being held.\r\nThis matter is being escalated to the Consumer Financial Protection Bureau (CFPB) and the Office of the \r\nComptroller of the Currency (OCC) for failure to thoroughly investigate and resolve.\r\nSincerely,\r\nXXXX XXXXEnclosures'

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 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services
State: KY

Complaint narrative:
I have late payments on my credit history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. BEFORE XX/XX/XXXX i had spoken with EdFinancial to put my account in forbearance, it wasn't until XXXX i noticed my account was not in forbearance and 4 late payments were added to my credit report with a status of 120 days late. At this time i reached out to EdFinancial to do a retroactive forbearance to bring my account current as i have never used it in the past and they did, BUT the problem remains that i have 4 VERY late payments on my credit report which absolutely tanked and destroyed any hopes of repairing credit. I also filed a complaint with XXXX XXXX at the time as they help with some of these issues, but the late payments were not resolved. I find it very unfair that even though i requested forbearance, and i have plenty of months left of it, it was not properly applied to my account and now i am paying the consequences. PLEASE help rectify this. All i want is for the late payments to be removed. My payments resume in XXXX and i plan on paying continuing to pay the loan. I will also say that i was enrolled in a partner class with XXXX at the time. I was also not notified of my account being late and these late payments as they were happening, so i was not provided properly notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing an alleged collection account reported by Transunion on my file, XXXX XXXX XXXX # XXXX is the account which I do not recognize, I am sure that this is not my account because I did not give my consent for these kind of account to be reported on my file. I contacted the collection agency asking for the proper validation but they did not provide me any proof on how they validated this account. I did not even received any notification that this account will be reported on my file, this is a direct violation under 15 USC 1681b ( 2 ) because I did not give permission for this account to be included on my file. They also failed to maintain my file 's maximum possible accuracy which leads to another violation under 15 USC 1681e ( b ). I demand the immediate deletion of this account. This account is the reason why my credit score is declining and it is causing me in a lot of stress lately.

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My current balance is approximately {$6400.00} with a minimum monthly payment of approximately {$180.00}. Given my current loss of income, I requested either a temporary reduction in my minimum payment or a reduction in my interest rate so that my payments contribute meaningfully toward reducing my principal balance rather than going solely toward interest charges. Despite my 16-year history of responsible account management, Capital One declined to offer any form of temporary relief. I am reaching out proactively before missing any payments because I want to honor my financial obligations and maintain this account in good standing. I am requesting that the CFPB look into this matter and facilitate a resolution with Capital One that includes one or more of the following : A payment deferral option while I secure new employment Temporary reduction of my minimum monthly payment Enrollment in a formal hardship or financial assistance program Temporary reduction of my annual percentage rate ( APR ) I am not seeking forgiveness of my debt. I am seeking a temporary bridge to allow me to remain a responsible borrower during a period of involuntary unemployment. Thank you for your time and assistance in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit card : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I logged into my main dashboard for all of my Synchrony accounts and I show all 7 of my accounts closed as of today. Walgreens Mastercard - XXXX balance - opened XX/XX/XXXX Sams Club World Elite Mastercard - XXXX balance - opened XX/XX/XXXX Amazon Store Prime Card - XXXX balance - opened XX/XX/XXXX OnePay Cash Rewards Mastercard - Brand new card opened XX/XX/XXXX Sams Club Store Credit Card - XXXX balance - opened XX/XX/XXXX Lowes Store Card - XXXX balance - XX/XX/XXXX Care Credit - XXXX balance - XX/XX/XXXX Out of the 7 accounts I use 2 on a regular monthly basis and I routinly pay off the balance before the due date. There was a XXXX balance on one that I just just used to purchase groceries from Sams Club on XXXX. My bill was not due until XXXX XXXX and the min due was XXXX. I have never once been late on any of the cards. As a matter of fact I just opened a brand new card with them called the OnePay cash rewards on XXXX XXXX and that has also been closed. This credit card came with a XXXX XXXX membership that I paid XXXX for and as a reward I recieved XXXX in statement credit. I have been a loyal customer for many year with no issue. I have been granted several crexdit limit increases with the most recent being about 2 weeks ago. I do not understand if I was worthy of a credit increse approximately 2 weeks ago how that can go to a change of EVERY account with them being closed. This is a horrible practice that I hear is often common. When I called in to inquire - I was not given a reason at all. I was told to check my XXXX Credit Report and told they could help me no further. After the call I went on to the XXXX Credit Report and pulled my XXXX report and there is nothing on it that would warrant closing of all 7 of my accounts- I have 3 accounts on my credit report with balances- one being my car loan and 2 others both under XXXX each with a credit limit of over XXXX. Needless to say I am very upset with this change because it came out of the blue for no reason and very sudden with no explination - the accounts were all satisfactory yesterday!. I actually made a Sams Club purchase yesterday that I did a pick up for this morning. Then when I went to check the Sams account online I noticed it and all my other accounts closed.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Glasser and Glasser P.L.C. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Request for Debt Validation & Cease and Desist Account Number : [ XXXX ] To Whom It May Concern, I am writing in response to a notice regarding the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this alleged debt. I do not acknowledge this debt and request that you provide proper documentation to verify its validity. Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt The amount of the debt, including an itemization of any interest, fees, or charges Copies of any agreements or contracts bearing my signature Documentation showing that you are legally authorized to collect this debt Cease and Desist Notice : Pursuant to my rights under the FDCPA, I hereby demand that you cease and desist from all communication with me regarding this alleged debt, except to provide the requested validation or to notify me of specific legal action being taken. This includes, but is not limited to : Phone calls to my home, workplace, or mobile phone Emails, text messages, or any other electronic communication All future correspondence must be in writing and sent to the address listed above. Furthermore, you are instructed not to report this account to any credit reporting agencies until proper validation has been provided. If this account has already been reported, any unverified or inaccurate information must be removed immediately. If you fail to comply with this request, I will document your actions and may file complaints with the appropriate consumer protection agencies. Thank you for your cooperation. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I made a purchase online in Saks Fifth Avenue store with the credict card of the same store, i never got my package with my items fedex said he dropped off my door and they didnt, and now they deny to refund my money or send me the items back,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a check account with BMO Bank in XX/XX/XXXX and used it normally. On XX/XX/XXXX, my account was unreasonably reviewed and frozen. On XX/XX/XXXX, I called the customer service to inform them that I was returning to XXXX for the XXXX XXXX and that my original address could not receive checks. Therefore, I provided a new address for receiving checks. However, in XX/XX/XXXX, I called BMO Bank, and the customer service replied that the checks had been sent, but they were delivered to my original address, and the new address I had submitted last time had not been updated. They said that a new address would be registered and checks would be issued. So, after waiting for a while, on XX/XX/XXXX, I checked the check delivery status and was informed by the customer service that the checks were still being delivered to my original address. The new addresses I had proposed twice before had not been updated either. So, I provided another new address, and BMO Bank said that the checks would be received within 4-8 weeks. As of XX/XX/XXXX, which is about 8 weeks away, I still have not received the checks.BMO Bank has shown no sense of contract and deliberately fails to resolve customer issues, with the intent of embezzling their funds, which has violated relevant financial regulations.BMO Bank has shown no sense of contract and deliberately fails to resolve customer issues, with the intent of embezzling their funds, which has violated relevant financial regulations.

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My wife and I opened a SYNCHRONY PROJECT CARD ALSIDE credit card account to finance the purchase of windows under a zero-interest promotional financing offer. The account has otherwise been in good standing. For our first required payment, due on XX/XX/year>, I properly set up and submitted an ACH payment from our checking account through Synchronys system before the due date. We immediately received confirmation that the transaction was successful. Three days later, we checked our bank account and discovered that the funds had never been deducted. To ensure the payment was made on time and to protect our account and promotional terms, my wife promptly submitted a second payment on XX/XX/year>, which was successfully processed and deducted from our account. Less than a week later, we received a letter from Synchrony stating that our account had been closed due to too many unsuccessful payment attempts. At no point prior to receiving this closure letter did Synchrony ever contact us, notify us, or inform us that the first ACH payment had been unsuccessful or that there were any payment issues whatsoever. I immediately called Synchrony customer service. The representative confirmed the closure, stated that they would investigate whether the account could be reopened, and specifically instructed us to continue making payments while the investigation was underway. It has now been more than 30 days since that conversation, and we have received no further communication, update, or resolution from Synchrony. We have made every required payment on time exactly as instructed and have complete documentation. This sudden account closure without any prior notice or opportunity to resolve the issue has caused us significant inconvenience and concern, particularly because it puts our credit score and the XXXX-interest promotional financing at risk.

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
TO : : CFPB XX/XX/year> From : XXXX XXXX XXXX Firstly, purchases of {$100.00} and {$500.00} were charged to my Apple Card, and {$1000.00} to my Bank of America. Card and {$1200.00} on other cards. Additionally, all charges on other cards were refunded 1. I called XXXX for help with my Card and a bogus charge sometime around XX/XX/XXXX. I dont remember the exact date because I deleted the initial screens before realizing they could be relevant to this scam. 2. Additionally, they asked me to use a program called XXXX, which I had never heard of or used to buy gift cards. 4. When I finally realized it was a scam and tried to cancel and get my money back, the scammers were gone. 5. Except for Bank of America, all other credit card companies have refunded my money. 6. As a retired professor, I feel entirely mortified, but I dont cheat or lie. I live within 5 miles of shopping centers, hospitals, doctors, literally everything I could ever need. I have my own car, ( Some of the charges were to XXXX and XXXX XXXX ), and my sister, who lives with and takes care of me, also has a car. XXXX, XXXX and TD have refunded the bogus charges that were made on their respective cards. Im asking for your help because I was scammed 7. Im seeking a refund for the {$1000.00} charge, which I did not make. This is a continuation of my fling for XXXX XXXX and XXXX dated XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: AL

Complaint narrative:
I originally took out this loan in 2021 for debt consolidation, my husband owned a business, and then he couldnt hold down a job, we got divorced and now I cant pay the payment. The loan was structured as a business loan however, I didnt own a business and this was strictly used to consolidate personal debt. A UCC lien was placed on me, I was never provided a truth in lending disclosure and now they want to sue me. I can not afford for this to happen. Please help. I greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I wanted to see if I could get a freeze for hardship on my account or get the payments lowered to a manageable amount. I was paying between {$40.00} to {$65.00} a month then out of nowhere they started to charge me over {$100.00} a month which I can not afford. I explained this and they said they could only try to do any type of " payment arrangement '' if I closed my account but I didn't want to do that just get it more manageable. They said there were promos that expired on my payments that increased the amount for my payments due to interest and such but we're vague. They wouldn't lower anything to help me keep it as it is beneficia just to close it out. It's just my wife and I are struggling due to her medical care and health issues... They also destroyed my credit score and ding me almost XXXX pts like wth! That is VERY UNREASONABLE and I wish for you to help me to get to get them to lower my payments and keep my account and stop charging me these ungodly high interest rates! They are doing it intentionally to keep us in debt! They did it with my wife and now me! Please help.

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 2026-05-14 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: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
AmeriHome denied our loan modification application using broad, generalized reasons that appear inconsistent with our prior approved modification, which was previously closed due to a clerical error rather than inability to perform the agreement. We submitted a written appeal and request for specific denial details via email and certified mail within the stated appeal timeframe, including requests for clarification regarding the exact investor/guideline basis for denial and how our income documentation was evaluated. AmeriHome did not provide a substantive response to our appeal or requests for clarification. Despite the appeal window remaining open, foreclosure activity continued and a new foreclosure sale date was scheduled before the appeal period expired. We are requesting a detailed written explanation of the denial, confirmation of whether our appeal was reviewed, and clarification regarding continued foreclosure activity during the active appeal period.

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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I filed a complaint. The company reached out with a bill. I told them I DID NOT OPEN THIS ACCT. I explained to the agent that my ex had access but I did not know of several accounts until he no longer lived at my home after the divorce. I never authorized or submitted any application for credit. I tried to file fraud on the FTC site but was touted to CFPB. Its not my debt and I will not pay this. I gave them the info and all they sent were bills. I explained that I had no idea of him doing this. One of the reasons we are divorced.

Company response to consumer: Closed with explanation