vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
- Refused to notify me of the hold- gave me incorrect information regarding the payments several times - multiple reps lied about information on the account and the companies procedures- Provided several pieces of incorrect or illegal information, especially talking to me without verifying my account. 
- Refused to release funds after XXXX days, continue to say XXXX more business days every time i call. 
- Refused to allow me to speak to a manager. 
- Refused to provide me the documentation in writing. 
- Refused to give transactional level break down of the account - Refused to give concrete timeline of policy. 
- Refused to give me a place to form a complaint. 
- Refused to give me access to an account level breakdown

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously disputed this account, and it was removed from my credit report. It has now reappeared, and I am formally disputing it again. I do not recognize this account and have never conducted any business with this company. Additionally, I do not recognize the listed inquiries and did not authorize any individual or entity to access my credit report. This information is inaccurate and should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously disputed this account, and it was removed from my credit report. It has now reappeared, and I am formally disputing it again. I do not recognize this account and have never conducted any business with this company. Additionally, I do not recognize the listed inquiries and did not authorize any individual or entity to access my credit report. This information is inaccurate and should be removed immediately.

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 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Flexible Finance, Inc.
State: OH

Complaint narrative:
Complaint Against Flex XXXX XXXX XXXX I am filing this complaint against Flex, XXXX XXXX XXXX XXXX for failing to correct or refund a rent payment that was sent to the wrong property due to a Flex processing error. 

On [ enter date ], a rent payment in the amount of {$490.00} was processed through Flex but was misapplied to the wrong property ( XXXX XXXX XXXX XXXX ), which is not my rental address. My correct rental property is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX I notified Flex immediately after discovering the error. Instead of correcting the mistake or issuing a refund, Flex has failed to take responsibility and has repeatedly told me to contact the property management myself. 

I contacted the XXXX XXXX XXXX leasing office, and they confirmed : They have not received a payment of {$490.00} in my name They do not see the funds applied to any account Flex has not contacted them to correct the error or request a refund They do not understand why Flex is not handling this directly, as the error originated with Flex This confirms the issue is an internal Flex error, yet Flex continues to delay, provide no meaningful communication, and has not refunded my money. 

As a direct result of Flexs failure to act, I have now received an eviction notice and am at serious risk of losing my housing. This has caused extreme financial hardship, emotional distress, and uncertainty.

Flexs lack of response, refusal to take accountability, and failure to protect consumers in a rent payment situation is unprofessional, negligent, and harmful. 

I am requesting that Flex be required to : 1. Issue an immediate refund of {$490.00}, or correctly apply the payment to my actual rental property 2. Provide written confirmation and a clear timeline for resolution 3. Correct their internal processes to prevent this from happening to other renters I am submitting this complaint because Flex has ignored my attempts to resolve this matter directly, and I am now facing eviction due to their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony Bank owes me a credit/refund in the amount of {$420.00}, which has not been properly issued to my account. 

I submitted a formal dispute on XX/XX/year>, and provided all supporting documentation at that time. The dispute concerns Synchrony Banks reporting that a credit of {$420.00} was issued on XX/XX/year>, for furniture that I never received from XXXX XXXX 

Although Synchrony Bank reported that the credit was applied, the credit was not actually issued. My account balance remains unchanged, and the {$420.00} has not been properly credited despite their claim. 

Synchrony Bank requested XXXX XXXXays to provide a resolution to my complaint. That timeframe has now passed, yet the issue remains unresolved. I have not received the owed credit, nor a satisfactory explanation for the continued delay. 

This constitutes an unreasonable and improper delay in issuing a credit that is owed. I am requesting that Synchrony Bank immediately apply the {$420.00} credit, correct its records to reflect the accurate account balance, and provide written confirmation of the resolution.

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been unable to enroll my Bank of America credit card in AutoPay due to a system defect. As a result of this system issue and lack of resolution, I missed a payment once, which negatively impacted my credit score.

Bill Pay reports that my credit card is already enrolled for eBills, but AutoPay does not appear under the credit card Payments section.

I contacted Bank of America support multiple times, including phone support and an in-person branch visit. Despite these efforts, no representative was able to resolve the issue or escalate it appropriately.

The late payment resulted from Bank of Americas inability to provide a functional AutoPay or statement-balance payment mechanism due to a system defect. My credit card account was in a partial eBill/AutoPay enrollment state, which prevented enrollment in AutoPay and recurring statement balance payments.

This appears to be a technical issue in eBill/AutoPay. Support has been unable to correct this.

I am requesting : Fixing AutoPay Correction of any negative credit reporting related to this missed payment Confirmation that the issue has been fully resolved

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 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XXXX. 
This is in response to my dispute that was initiated on XX/XX/XXXX. 
The dispute ID is XXXX XXXX 
The external payment Id is XXXX. 
I first said that the payment was for a XXXX car which is why the claim was denied and did not give complete information on the original agreement and transaction. I was purchasing XXXX parts from XXXX XXXX ( now not sure what his real name is ). The parts were a hood, left front fender and a drivers side door off a XXXX XXXX XXXX that he said he was selling parts off of. I did contact XXXX immediately after the transaction because he then asked for more money to be XXXX to a different account. I reported the account immediately to XXXX and they said to block account. I did but now do not have any evidence of conversation because XXXX removed account. I have tried contacting XXXX for information but have not gotten anywhere and this is all that I have. I have tried to send an email through XXXX to XXXX XXXX but have had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I requested written & mailed verifiable proof of ownership for this debt, ever since I found out about the debt. I have never received it, I have tried to negotiate for pay for delete & more. That has ultimately led for said debt collection agency to state they dont negotiate ( even if youre trying to prove the debt isnt yours ) & that they wont settle. Upon informing every agent of recording the calls, they no longer answer the phones.

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 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
Per their own published policy, and in line with the XXXX XXXX XXXX XXXX, Section 8203.4 and the Homeowners Protection Act, the Private Mortgage Insurance ( PMI ) payments should have stopped being paid after the XXXX mortgage payment in XX/XX/XXXX, when the Loan-to-Value ( LTV ) ratio dropped below 78 % of the original loan value. 

As of this point the PMI has been paid out of my escrow account 5 times since then. I first reported this discrepancy to the servicer via phone on XX/XX/XXXX. On that call they directed me to fill out their PMI Removal Request Form ( url XXXX XXXX XXXX XXXXXXXX ) Later that same day I e-mailed them back stating that I did not believe this form to be necessary, as it ( A ) only addressed borrower-requested PMI removal, and ( B ) would legally make me required to have an unnecessary, lender-approved, up-front appraisal at the cost of $ XXXX $ XXXX, which does not apply to an automatic-PMI drop nor to a drop that is for an LTV based on Original Value. I later also stated that their requirement on that form for a forced appraisal based off of original value was unlawful and should be removed from the form. 

A week later, after having no response, I called them again on XX/XX/XXXX to inquire why I had not received a response. This time they told me that the form was necessary because it was a XXXX XXXX loan, which made no sense. The form they directed me to this time was the one for XXXX XXXX ( " powered by XXXX '' ), but it was the identical form, with the identical requirements. I informed them, again, that this form was not required for an automatic PMI drop, was trying to " bait '' me into legally signing for a $ XXXX unnecessary appraisal, and that they were violating federal law, the HPA XXXX and XXXX XXXX XXXX guidelines. 

I also informed them at this time that I would file a complaint with the CFPB and XXXX XXXX if I did not get a response from them. 

On XX/XX/XXXX I sent them another e-mail stating that it had been 3 weeks and I had not received a response, and asked for a reply to the e-mail. 

On XX/XX/XXXX, I sent them another e-mail stating that I had now had 4 months of unnecessary PMI payments from my escrow account, and still have not received a response back, and that I would now file complaints with the CFPB and XXXX XXXX. 

On XX/XX/XXXX, a XXXX unnecessary PMI payment was paid out of my escrow. 

Today is XX/XX/XXXX and I am filing those complaints. I still have not received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: CT

Complaint narrative:
The item I am disputing is : Midland Credit Management XXXX This information is inaccurate, incomplete, or can not be verified, which is a direct violation of the accuracy and reporting standards set under XXXX U.S.C. XXXX ( b ) and XXXX XXXX. XXXX. 

I am writing to dispute specific information on my credit report pursuant to my rights under XXXX XXXX. XXXX et seq. of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I found inaccurate and/or unverifiable information that must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau I am submitting a complaint against Nelnet Direct Loan regarding inaccurate credit reporting on my federal student loan account. 

Issue : Nelnet reported that I was 90 days past due on my loan, which is incorrect. At the time the late payment was reported, my account was under legal forbearance due to my bankruptcy, and therefore should not have been reported as delinquent. This error caused my credit score to drop by XXXX points and negatively affected my financial standing. 

Actions Taken : I contacted Nelnet directly and was informed that the delinquency was reported in error and that my account should be restored to good standing. 

I have submitted multiple disputes with XXXX and XXXX regarding this inaccurate reporting. Despite this, the incorrect late payment remains on my credit reports. 

Resolution Requested : Immediate correction of my account to reflect the accurate payment status.

Removal of all inaccurate late payment reporting with all credit bureaus. 

Written confirmation from Nelnet that the corrections have been completed. 

This inaccurate reporting has caused significant financial harm, and I request the CFPBs assistance in ensuring this matter is corrected promptly. 

Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX continued to bill me after my account was formally closed. Those post-closure charges were an error and violate XXXXXXXX XXXX  own billing policies. That erroneous billing directly resulted in XXXX furnishing derogatory information to XXXX, even though the account should never have been reported as delinquent. The account is now reported as closed with a XXXX balance ; however, the derogatory mark remains on my credit report and is directly tied to XXXX 's improper post-closure billing, not to any legitimate delinquency. 
This constitutes inaccurate credit reporting. I disputed this issue multiple times directly with XXXX by phone. I have called XXXX more than ten times over an extended period, and on each occasion I was told the issue would be escalated and that a manager would call me back. 
No manager ever followed up, and the issue was never resolved. I also filed a CFPB complaint against XXXX. XXXX confirmed only that the account is closed and has a XXXX balance, but failed to investigate or address the derogatory reporting itself. XXXX relied on XXXXXXXX XXXX verification, which was inaccurate because the underlying billing that caused the negative reporting should not have occurred. Under the Fair Credit Reporting Act ( 15 U.S.C.

1681s-2 ), XXXX, as the furnisher, is required to ensure that all information furnished to credit bureaus is accurate and must correct or delete information that results from its own

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

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 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Faloni Law Group
State: NJ

Complaint narrative:
I am submitting a formal complaint regarding Faloni Law Group LLC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX, in connection with their handling of my account, File Number XXXX. 

I have made consistent payments since my account has been placed with them. {$50.00} a month to be exact. They stated they haven't received any payment since XXXX. Despite providing proof of payment, Faloni Law Group LLC has acknowledged that they can not determine where my payments were applied and has provided conflicting and unclear information. As of this filing, my payments have not been properly credited, and no clear accounting has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: PA

Complaint narrative:
I participated in Discover Bank promotion for my account ending in XXXX required to add {$25000.00} in New Funds from an external source directly to your Account ending in XXXX by XX/XX/year>. If your balance is still at or above {$63000.00} through XX/XX/year>, your {$200.00} bonus will be automatically credited to your account by XX/XX/year>. When offer was made my account balance was {$38000.00}. On XX/XX/year> my account balance was {$160000.00} or way above required {$25000.00} in New Funds. I have not received {$200.00} credit Discover Bank promised me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: WV

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TN

Complaint narrative:
I disputed a charge and they approved the dispute but closed the account for violating terms but cant tell me what I did wrong. I tried to appeal the closure and they denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: TN

Complaint narrative:
Numerous letters received without backup of the actual dates/ amounts/ doctors/ facilities that has been requested multiple times. 

The creditor noted is APP of XXXX XXXX XXXXXXXX and a quick XXXX search shows them attempting to collect debts already paid by Medicare and that they are out of business. 

the most recent letter dated XX/XX/year> has a reduced settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
XXXXIm alleging other incidents took place with Crown assets management, and that is illegal appointment & unfair practice my complaint is crown assets there address is 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Crown assets still trying to pursue after XXXX letter which was XXXX XXXX XXXX the law firm they use is law office of XXXX XXXX XXXX XXXX XXXX and when I ignore that letter I'm on social security they use XXXX XXXX XXXX police to serve letter to my house in person. XXXX month later Crown assets sended a XXXX letter on XXXX XXXX it was a illegal appointment XXXX  attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the attorney was sent by crown assets management asking for payments for debt or they will garnishment, freeze account, assets etc. I would like to give you a copy of both letters crown assets got attorney stack on top of each other XXXX in that time period of XXXX XXXX XXXX XXXX XXXX, every XXXX months they keep sending letters for debt garnishments. My social security right were violated and crown assets I allege there selective enforcement came speedy and brought my assets in less XXXX year and sent court order letter threating to garnish me on my debt of XXXX crown assets, broke fair debt collection practice act and harass and lied to me by sending cops to my house in XXXX XXXX XXXX they violated social security act by continue to pursue debt in XXXX XXXX XXXX I don't grant excess to manipulate name crown assets who crave control and disregard the law I don't want letter of garnishment every XXXX months I hope I end it."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation