vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
- XXXX XXXX XXXX has a promo plan once your period is up they add interest from date of purchase. this was not properly explained by my dentist and I had explained I could make payments of {$150.00} i was told that was over the minimum monthly payment etc. My understanding is that if I didn't pay on time I would pay interest on remaining balance because its like " XXXX XXXX ''. When you log into pay from your phone it never tells you the minimum payment to make to avoid interest, it just states a minimum payment amount that WILL result in missing the promotion period. Even though I paid over that amount it was never clear if I would be paying off ontime to avoid the inters. when the promo period end I was not properly notified I had les then {$500.00} left to pay and the payment screen you see immediately on logging in said nothing about the promotional plan ending, all i would get is a pop up about account assure then a pay now button. I tried contacting them as soon as the additional {$1600.00} interest was added to my account and they just state i was told and they work with providers to inform. No one properly informed me at sign up but what's worse when you log in to make payments the information is not easily visible. they lead me through several screens I had to go to to see a notice they posted 1 month before the " plan ended '' I addressed that this is not really visible and that this is not proper notice when its hidden away someplace you need to hunt for it, why would I do that I'm logging in to make my monthly payment it tells me what the minimum is no place on that screen when you log in does it tell you anything about the promo plan ending or to view your statements, you have to click on XXXX line navigate to transactions then to statements which wouldn't even open on my phone. They were not willing to assist at all after multiple attempts at explaining that I was never properly noticed that the promotional period was ending and that the answer I had to go hunt for it is not properly noticing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered that unauthorized accounts had been opened using my personal information. My federal tax return was rejected due to XXXX XXXX XXXX  coverage I never obtained. After contacting the XXXX and XXXX XXXXXXXX, I was informed the account was fraudulent and created without my knowledge. 

While investigating further, I reviewed my credit reports and discovered a XXXX XXXX account opened on XX/XX/XXXX, that I did not authorize, use, or benefit from. The account later became a charge-off and was referred to collections. I immediately disputed the account with the credit bureaus and contacted the parties involved. 

I have filed identity theft reports with law enforcement and other appropriate agencies. I am requesting removal of the fraudulent account and confirmation that I am not responsible for any charges related to this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/year>, my account with Walmart XXXX ( Synchrony Bank ) was charged {$20.00} for a phone payment that I did not authorize and did not make. I did not speak to anyone by phone and did not initiate this payment. 

This payment was returned, and I was then assessed a {$30.00} returned payment fee. 

I contacted the company multiple times through chat and phone to dispute this as an unauthorized transaction and requested documentation showing when and how this payment was authorized. 

The company was unable to provide any proof of authorization and stated that the fee could not be disputed. 

I was given reference number XXXX for this issue. 

When I requested escalation through the chat system, my chat was disconnected without resolution. 

I am requesting reversal of the {$20.00} charge and the related {$30.00} returned payment fee, and correction of my account.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
Denial of Access to Funds and Account Navy Federal Credit Union has effectively denied me access to my own funds for an extended period of time by disabling my online access, debit cards, and the ability to obtain assistance regarding my account unless I complete an identity verification process that they have made impossible to satisfy. 
For at least one month, and likely longer, I have been unable to log into my account to view balances, review transactions, or access my funds in any way. My debit cards have been disabled, and I am unable to withdraw, transfer, or use money that is deposited into my account. 
All of my direct deposits including XXXX XXXX  and XXXX XXXX XXXX  and my XXXX XXXX XXXX XXXX  continue to be sent to this account. Despite this, I am unable to access those funds to pay for housing, food, transportation, or basic necessities. 
Navy Federal has required that I verify my identity either in person ( which I can not do ) or by submitting documents via email. Beginning on or about XX/XX/2025, I have repeatedly submitted the requested documentation by email, dozens of times over the course of more than a month. 
After each submission, I have spent 3045 minutes on the phone attempting to confirm receipt. In several instances, Navy Federal representatives confirmed that my documents had been received and that processing would take approximately 48 hours. However, when I called back after that period, I was told the documents were not received or were no longer on file.

This cycle has repeated continuously, with Navy Federal alternately stating that documents were not received, were missing attachments, or were insufficient often contradicting prior confirmations. At no point have I been provided with a definitive explanation, written confirmation, or a reliable method to complete the verification process.

As a result, I remain locked out of my account and unable to access my own funds, despite making continuous good-faith efforts to comply with every instruction provided. 
This has caused severe financial hardship. I am a XXXX veteran, currently housing-unstable, and the prolonged denial of access to my funds has directly threatened my ability to maintain shelter and meet basic living needs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
debt does not belong to me XXXX XXXX XXXX  {$10000.00}

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 non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I dispute the accuracy and completeness of this collection tradeline. The furnisher has repeatedly failed to provide competent evidence of legal standing/authority ( ownership/assignment or placement authority ) for this specific account and has only sent a generic statement that I owe the original creditor. Because the furnisher can not substantiate the basis to report this account, it is not verifiable. Under 15 U.S.C. 1681i ( a ) you must conduct a reasonable reinvestigation, and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) you must delete information that can not be verified. Continued reporting also violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). Please delete this tradeline, or provide the results and procedure details required by the FCRA

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 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I am filing this formal complaint against Weltman, Weinberg & Reis ( XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unethical conduct during legal proceedings in case XXXX. 
Over three XXXX  hearings ( starting XX/XX/year> ), XXXX attorneys failed to engage in good-faith negotiations. Under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations. By intentionally withholding information about my right to an installment payment plan and focusing solely on bankruptcy, I believe the attorneys misled me to secure a full judgment for aggressive garnishment.

As a pro se defendant, I was never informed by the attorneys of my rights under 15 U.S.C. 1692g to receive a full validation of the debt. I have recently sent a formal request for a detailed mathematical breakdown of the {$18000.00} balance, including principal, interest, and fees. To date, the firm has failed to provide this information.

The fact that the court granted my petition for installment payments on XXXXa resolution I had to seek independently because the attorneys refused to mention it as an optiondemonstrates their predatory approach. I request an investigation into their failure to provide transparent communication to unrepresented consumers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am filing a complaint against LVNV Funding, LLC and its servicer Resurgent Capital Services regarding inaccurate credit reporting and unlawful re-aging of a debt. 

LVNV/Resurgent are reporting the Date Opened or account opening date on my credit report as the date they acquired or placed the account into collections, rather than the original account opening date with the original creditor.

This misrepresentation artificially makes the debt appear newer than it actually is and has the effect of resetting the perceived age of the debt, which is misleading to creditors and harmful to my credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers are required to report information accurately and completely. The date a collection account is opened can not replace or overwrite the original account opening date or the date of first delinquency.

I have disputed this inaccurate reporting, but LVNV/Resurgent continue to report the incorrect opening date. I am requesting that the CFPB require LVNV Funding and Resurgent Capital Services to correct the account to reflect the accurate original account information or remove the tradeline entirely if they can not verify it correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Sparrow Financial, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a payment of {$190.00} to my Sparrow Credit Card. The payment immediately showed as pending on my account statement, but the funds were never actually processed. Sparrows stated policy says payments take up to XXXX days to process. 

Despite the payment being marked pending, Sparrow later reversed the payment, which caused my account to go into a negative balance of approximately {$91.00} and triggered an additional {$30.00} returned payment fee. My account balance now incorrectly reflects {$260.00}, which includes legitimate charges plus the {$180.00} reversed payment and the {$30.00} fee.

I contacted Sparrow support regarding this issue and requested to speak to a supervisor. I was promised a callback within 12 hours, but no case number was provided and no supervisor contacted me. This is not the first time a similar issue has occurred with Sparrow. 

The payment reversal and returned payment fee were caused by Sparrows processing error, not by any action on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Experian, XXXX XXXX XXXX XXXX for continued inaccurate and unverifiable credit reporting related to a collection/charge-off account that is currently disputed and being actively updated. 

The account is reported as : Payment Status : Collection / Charge-Off Account Status : Open Balance : {$1300.00} Creditor Type : Collection Services Dispute Status : Account Information Disputed by Consumer Last Verified / Updated : XX/XX/year> I disputed this account with all consumer reporting agencies. Despite the active dispute, the bureaus continue to report the account as verified and allow ongoing updates without providing documentary evidence demonstrating that a reasonable reinvestigation occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
Freedom Mortgage has repeatedly over-collected escrow funds on my VA loan despite having verified documentation of my homeowners insurance premium and my property tax bill, which includes a legally applied Oregon veteran XXXX exemption. 
Their escrow analyses fail to account for the exemption and lower insurance premium, resulting in recurring surplus balances of several hundred dollars while continuing to collect inflated monthly escrow payments. This deprives me of access to my own funds for months at a time. 
I am requesting a corrected escrow analysis using verified tax and insurance figures, an adjustment to my monthly escrow payment, and a refund or credit of any over-collected escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
It shows I opened a XXXX  account in XXXX for XXXX but I have not did any of this. I only been fixing up my credit I did not open another phone company. This does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I do not have all the dates but I am contacted at different dates and times by different numbers fromMCM asking to return their call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding ongoing mortgage servicing issues with XXXX Bank related to my loan following a disaster-related forbearance. 

My property was located in an area officially declared a disaster zone, and my mortgage was placed into forbearance. The forbearance ended in XX/XX/year>. Since that time, I have been unable to obtain clear, consistent, or documented information from XXXX regarding the amounts due and the nature of several charges on my account. 



I am requesting assistance and clarification on the following issues : XXXX. XX/XX/year> Payment AmountXXXX has not been able to clearly confirm the total amount due for my XX/XX/year> mortgage payment following the end of forbearance. 

2. XXXX XXXX $ XXXXXXXX XXXX XXXX Department advised me that this balance is classified as a corporate advance. I was told it is non-interest-bearing and due at the end of the loan term ; however, I have not received written confirmation or documentation supporting this. 

3. XX/XX/year> Payment $ XXXX need confirmation as to whether this payment is still outstanding or whether it was included as part of the approved forbearance plan. 

4. Prior Closing Fees $ XXXX was informed of a charge labeled prior closing fees totaling {$990.00}. To date, I have not received any documentation, itemization, or explanation supporting this charge despite requesting it. 

I have requested written explanations and a full breakdown from XXXX but have not received adequate or complete responses. I am seeking CFPB assistance to obtain clear, written confirmation of all amounts owed, proper classification of balances, and documentation supporting all assessed fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA
State: TX

Complaint narrative:
MOHELA is reporting late payments on my federal student loan account to the credit bureaus for periods when my loans were in deferment/forbearance and no payment was due. 

According to my account records, my loans were not in an active repayment status during the time the late payments are being reported. Despite this, MOHELA has furnished late payment information to XXXX XXXX and XXXX. 

I have contacted MOHELA to request clarification regarding their credit reporting practices and to dispute the inaccurate late payment reporting. As of today, the incorrect information remains on my credit reports. 

I am currently in the process of applying for a mortgage, and this inaccurate reporting is negatively impacting my creditworthiness. 

I am requesting that MOHELA conduct a full review of my account, correct or remove any inaccurately reported late payments, and update all credit bureaus accordingly. I am also requesting written confirmation once corrections are made.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GFS II, LLC
State: NC

Complaint narrative:
This company I never did business with the original company of the account was closed in XXXX XXXX and this company reopened it in XXXX and have a different amount saying I owe XXXX XXXX and the original company said it was paid off with XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I dispute the accuracy and completeness of this collection tradeline. The furnisher has repeatedly failed to provide competent evidence of legal standing/authority ( ownership/assignment or placement authority ) for this specific account and has only sent a generic statement that I owe the original creditor. Because the furnisher can not substantiate the basis to report this account, it is not verifiable. Under 15 U.S.C. 1681i ( a ) you must conduct a reasonable reinvestigation, and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) you must delete information that can not be verified. Continued reporting also violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). Please delete this tradeline, or provide the results and procedure details required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: MI

Complaint narrative:
I received two Form 1099-G forms. I have a bank statement showing the unemployment benefits I received for XXXX, but I did not receive any payments for XXXX, as indicated on the XXXX Form 1099-G. 

Claim Number unemployment : XXXX I have sent it statment bank all years XXXX Im Just receive amount : XXXX Dollar Im Nit Receive amount : XXXX Dollar

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I keep a digital account with PayPal to receive and send money to family members and friends. 
Since I used the account often I have noticed since late XXXX to XXXX and Now, that when any person send me money using PayPal. My balance shows that when I recieve money that money is missing from that actual total amount sent to me. For instance if a family member send me money a flat fraction of that amount is extracted from those total amounts sent with No representation as to where that money has gone. I believe someone is fraudulent setting up my account to extract money from me since XXXX to XXXX. 
the most recent example is a family sent me money for rent, {$650.00}, and it appears in my PayPal as {$630.00}. 
family members have been sending money for about XXXX to XXXX XXXX. or more. 
also, multiple requests for money have been asking from people I do not know. 
and they now appear that they never requested any funds. 
Does my account not represent the money that is in the account Factually? 
or is an anonymous person committing fraud with my PayPal account.

Company response to consumer: Closed with explanation