vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I XXXX XXXX representative of the entity XXXX XXXX is reporting that the said debt was paid in full. I Am Demanding this account be discharged and removed from my credit within 30 days. Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
to whom it may concern, i am writing to file a formal complaint against the following furnishers for placing unauthorized hard inquiries on my consumer credit reports without permission purpose, in direct violation of the fair Credit Reporting Act, 15 U.S.C. statute 1681b.

1. Bank of America, two ( 2 ) hard inquiries appearing on my XXXX XXXX XXXX XXXX XXXX XXXX 
Date of inquiries : XX/XX/year>, and XX/XX/year> I did not apply for credit with Bank of America, nor authorize any application that would trigger a hard inquiry. 

The hard inquiries was made without my knowledge or consent and without any permissible purpose under 15 U.S.C. statute 1681b.

The fair Credit Reporting Act ( 15 U.S.C. statute 1681b ( a ) ( 3 ) ( A ) - ( F ) strictly limits the circumstances under which a consumer reporting agency may furnish a consumer report ( including hard inquiry ).

15 U.S.C. 1681b ( a ) 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: KY

Complaint narrative:
Filed a dispute for a {$500.00} transaction. There was an authorized {$6.00} transaction in the dispute on accident. They denied my claim and did not give me my money back for the {$500.00} fraud dispute that I issued with them. I reached out over XXXX different times to re open the dispute for the {$500.00} they just continually tell me that they will reach out XXXX business days and I never hear back from them I just want my money back that was reported for fraud. This has been an ongoing issue for almost a month now and Im tired of hearing the same thing and nothing getting done.

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 2026-01-03 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
I began messaging the company XXXX directly on XX/XX/year> trying to settle the refund issue and they are refusing to issue the refund so since I originally went through Affirm to set up the payment plan on the product they are coming at for the remaining balance that is owed on the product. I explained to the company that I was unable to use their product for health and safety reasons and they are not cooperating with issuing the refund to Affirm to settle the account. I have email messages from them refusing to issue the refund and I even attempted to dispute it on my credit card as well but they are blocking it. The product has caused pain and discomfort and the company has no concern or consideration towards that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Made a promise to pay for XX/XX/XXXX and XX/XX/XXXX. Although promise to pay is active they mailed a letter XX/XX/XXXX stating that it was due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: TX

Complaint narrative:
In XX/XX/XXXX, I made a XXXX XXXX  purchase financed through a Synchrony Bank store credit card under a 24-month no interest if paid in full promotion. I made all required monthly payments and was never late. 

In XX/XX/XXXX, I made a second XXXX XXXX  purchase under a separate XXXX promotional offer. At no point during this second purchase was I informed that my payments would be reallocated in a way that could jeopardize my earlier 24-month promotion, nor was it disclosed that overlapping promotions would cause payments to be applied to the newer or shorter promotion first.

I continued making consistent payments in good faith. However, when the 24-month promotional period ended in XX/XX/XXXX, Synchrony Bank charged over {$3000.00} in deferred interest retroactively to the original purchase date. 

When I contacted both the retailer and Synchrony Bank, I was told that my payments had been allocated to the later 12-month promotion because it ended earlier. This payment allocation method was not clearly disclosed at the time of either purchase, and I was not informed that I needed to designate payments to protect my original promotion.

I relied on the advertised promotional terms and would have adjusted my payments had this information been disclosed. I am requesting a review of this matter and a goodwill reversal of the deferred interest that resulted from unclear and misleading promotional disclosures.

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 2026-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Ally Financial is giving me an hard time. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must maintain maximum possible accuracy of consumer data. Reporting charged-off accounts with ongoing activity, incorrect DOFDs, or inconsistent payment codes violates this requirement and causes misleading harm to my credit profile.i do not want a computer generated response as verified.Please delete account from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland credit management had threatened a lawsuit against me for old credit card debt. First off the account opened date is incorrect, I opened that account mid XXXX, not in XXXX. Secondly, I had called them XX/XX/XXXX and asked for validation of the debt to ensure all the charges and balance belonged to me. They ensured me it would be sent to me and I had verified my address etc with them. It is now XX/XX/XXXX and I never received this information yet theyve been collecting payments from me each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is trying to collect a debt of {$3000.00} and is reporting missed payments on my credit report. I have never had an account with this company. These are fraudulent charges against me. I do not know what this company is or who they are.

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 2026-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
A few weeks ago, I received a fake mortgage loan postcard that contained a first class stamp on it and required that I called to verify my information. I called because the postcard did look valid, but became suspicious on the information request. About a few days later, I received two phone calls and one message from XXXX Tx, XXXX, with a person named XXXX on XXXX XX/XX/XXXX. The number is a scam one, so I never called back and blocked it. I received another mortgage attempted fraud call from XXXX on XXXX XX/XX/XXXX, the name is XXXX and both caller left no last name. 

I received another one from XXXX on XXXX XX/XX/XXXX and another yesterday XXXX XXXX from XXXX but not sure if these calls are related to the mortgage fraud attempts. 

Just FYI I do screen my calls, I dont answered unlisted calls, my credit is always locked and frozen and I monitor my financial transactions. 

Hopefully, you all can investigate these criminals and catch them. 

Thanks in advance, XXXX 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 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: FL

Complaint narrative:
On XX/XX/year>, I made a vehicle loan payment of {$990.00} to Global Lending Services LLC from my XXXX XXXX XXXX bank account ending in XXXX. The payment was debited from my account but the lender stated they did not receive it, forcing me to make a second payment on XX/XX/year>. Both payments were withdrawn from my bank account. 

Additionally, Global Lending Services LLC stated that my XX/XX/year> payment was reversed and returned to my bank. However, XXXX XXXX XXXX never credited or refunded this amount to my account. 

XXXX XXXX XXXX also referenced rejected payments from XXXX and XXXX tied to a previously closed XXXX XXXX Bank account. I had already notified the lender that this account was closed and updated my payment method to XXXX XXXX XXXX prior to these issues. 

I am requesting a full investigation, reimbursement of duplicated and missing payments, correction of my loan balance, and assurance that no negative credit reporting occurs due to these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NV

Complaint narrative:
Transactions for XXXX in XXXX XX/XX/year> at XXXX pm for XXXX there where XXXX transactions for XXXX and XXXX for XXXX my last transaction before that was at XXXX XXXX in XXXX XXXX where I used my physical card to make payment at XXXX for food XXXX mins later these XXXX transactions for XXXX popped up on account even tho i wasnt in XXXX I live in XXXX XXXX and was in XXXX XXXX time these transactions happened they denied my claim twice and didn't provide any info as to why even tho I provided proof I was on the clock had them re open dispute for XXXX time and this time I filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
In XXXX, I financed {$5700.00} for a XXXX that was later cancelled. On XX/XX/XXXX, the merchant refunded the full {$5700.00} back to XXXX. Prior to this refund, I successfully made XXXX ( XXXX ) scheduled payments toward the balance. This resulted in an overpayment of approximately {$1100.00} once the refund was applied. Despite numerous calls and written requests over several years, I have not received the refund owed to me. I was previously told that a refund check had been mailed, yet no check number. Then it became were issuing a check to a dispute being placed in because a check was never issued. Ive been getting the run-around regarding my refund for years and its exhausting. I called XXXX Credit card and Comenity Capital Bank over XXXX times regarding my refund to where they stopped responding to my emails and ceased communicating. They even erased all the correspondences online that I sent back and forth but I still have those messages screenshotted on my end. No resolution or refund has been issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, i entered an agreement to pay the amount of {$3200.00} for a credit card debt. My term to start paying started on XX/XX/XXXX in the amount of {$150.00}, every XXXX of each month. At that time, i registered online on the portal website that was on the legal agreeement i recieved which was www.jmlaw.com. I was to be done with this payment plan as described on XX/XX/XXXX, with the final payment amount of {$73.00}. During the duration of this debt, aroung XX/XX/XXXX, my payment of {$150.00} which was to be taken out of my bank account by the company, all of a sudden the payment wasn't deducted. I called in to ask, why it hadn't been deducted at which time they told me they were no longer accepting a debit card to deduct payments from bank account, and i needed to give them a bank account, to which i then asked if i could just go in monthly and pay the amount of {$150.00} monthly, because i did not have my bank information with me such as routing/bank account, they told me yes, that i was going to give the payment in good faith, i could go in monthly to their new website [ https : //connect.jmlaw.com/login ] and give payment, to which i agree. I was getting ready to give my last payment for XXXX XXXX, and i log into the website on XXXX, to see that they had added to my debt. I proceeded to call and ask, why there was a new amount added and at XXXX on XXXX i spoke to XXXX, a representative for the company and he explained they had sent a letter, explaining that they were no longer accepting debit cards as a payment method to the debt i had with them. I asked him to please fwd me letter because i never recieved anything and he rudely told me letter was already in court. He did say i was late on XXXX payment, which happened because they stopped retrieving money via my debit card, the automatic payemnt just stopped, and by the time i noticed, XXXX to XXXX  days had passed, i did email them to ask, why my payment hadn't been retrieved, and we did have a discussion, but those emails are not unreachable since their old website portal is no longer active. I was appaled at the fact that eventho i kept giving my payments in good faith and i kept on with the agreed amount they were so unhelpful and now expect me to pay a bigger amount. This debt happened because i was furloughed during covid and my work hours were reduced and i was placed on unemployemnt, i still tried to do the right thing and finish my agreement with this attorney. On XX/XX/XXXX, i gave my last payment of {$73.00}, and now they extended the payment plan for {$150.00} monthly til XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Complaint Description : I am currently receiving unemployment benefits and submitted a request for an unemployment deferment on my student loan with Aidvantage, but my request was denied without clear explanation beyond maximum deferment limit reached. I've only been previously approved for 30 days when I an eligible for 6 months. 

Date of Initial Request : XX/XX/year> Date of Subsequent Request : XX/XX/year> Action Taken by Me : I was initially approved for a 30-day unemployment deferment, but when I tried to request a further deferment, I received a message stating " maximum reached '' with no further explanation. I requested clarification and the ability to reapply on XX/XX/year>, as I believe I am eligible for a longer deferment based on my current unemployment status. However, I recently received a denial, again with no additional information provided.

Action Taken by Aidvantage : Aidvantage provided no details or explanation when denying my request. Their website indicates that borrowers who are unemployed may be eligible for up to 6 months of deferment or longer, yet I have not been given the opportunity to reapply for a longer deferment period, nor have I been informed about the reasons for the denial.

I am requesting that my unemployment deferment request be reconsidered, and that I be provided with clear information regarding the denial and the process for reapplying for an appropriate deferment period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I purchased a horse trailer on XX/XX/year> {$22000.00} from XXXXtotal they said it would be delivered on XX/XX/XXXX no trailer arrived contacted the merchant no response. Started a dispute with Goldman sacs credit card company. tried again a couple days later and the merchant answered said he ran in problems and he would ship the trailer now if I stopped the dispute so called the credit card company and told them and they stopped the dispute. 
Waited and waited no trailer arrived. 
Started another dispute and waited the 90 days and they ruled in merchant favor. Started another dispute had merchant on the phone with the credit card company Goldman Sachs merchant over a recorded line said he never shipped the trailer yet because hes never paid. He sent me an email saying that the trailer was never paid for so it never shipped sent that to the credit card they ruled again in the merchant favor started a third dispute sent the email that the merchant sent me saying that he never shipped the trailer. Ive also done research there is no company in Wyoming operating under this business. Ive looked at consumer affairs, consumer reports, and theres a whole bunch of people thats been scammed from this company since screenshots of the company not in business in XXXX  also sent screenshots of other people being scammed from this company and Im waiting for the credit card to do their last ruling. Goldman Sachs is now in the possession of the email that the merchant never sent the trailer. They have a recording of the merchant saying that he never sent the trailer. I have screenshots that he is scammed other people I have screenshot theres no business in XXXX  thats being an operation with that name. Also, the trailer is still for sale on the same website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: NE

Complaint narrative:
I contacted XXXX XXXX customer service 5 times between XX/XX/XXXX and XXXX because my online rent and other bills aren't being processed. There has been high call volume all weekend so I know that's what everyone else is calling about. They told me to change my pin on the XXXX and then wait a couple of hours so I did but it still doesn't work. My card is only 2 months old and I have never taken it out of my billfold or my apt and it has never been physically used so it's in perfect condition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute an account placed by PROCOLLECT , INC, listing XXXX XXXX XXXX XXXX XXXX XXXX as the original creditor. This account was reported in my name due the identity theft. I did not authorize or participate in any transaction related to this account. 

Under the Fair Credit Reporting Act ( FCRA ) and relevant laws, I have the right to dispute and request the removal of information resulting from fraudulent activity. I would like to ask that PROCOLLECT , INC immediately remove and delete all records related to this fraudulent account from my credit report and records. 

If this matter is not resolved promptlywith complete removal and deletion of the above-referenced informationI am prepared to escalate the situation. My next steps will include filing formal complaints with regulatory authorities and pursuing legal action through the court of law to protect my rights. 

Please confirm, in writing, that you have conducted a thorough investigation and removed all fraudulent items related to XXXX XXXX / XXXX XXXX XXXX from my records. 

Thank you for your urgent attention to this serious matter. 

Sincerely, XXXX 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