vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
Company Name : United Wholesale Mortgage Complaint Summary : United Wholesale Mortgage changed our mortgage billing method from mailed paper statements to paperless billing without my knowledge or authorization. Because we did not receive a mailed mortgage statement for XX/XX/year>, the payment was unintentionally missed. 
Once the error was discovered, we immediately contacted UWM and brought the account fully current. Despite this being a servicing error caused by an unauthorized billing change, UWM reported a 30-day late payment to the credit bureaus.

This inaccurate reporting has materially damaged our excellent credit score and does not reflect my true payment history. I have attempted to resolve this matter with UWM directly, with no resolve.

What I Am Requesting : Immediate deletion of the XX/XX/year>XXXX  ( 30 ) -day late payment from all credit bureaus Written confirmation of correction Documentation showing when and how we allegedly authorized paperless billing This is a clear servicing error and a failure to provide proper billing notice. I am requesting CFPB assistance to ensure compliance and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2026-01-02 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/XXXX, I called to verify that if I used my PayPal Credit card to make a purchase, would I automatically be enrolled on a promo plan the agent I spoke with assured me that if I spent over {$140.00} I will get a six-month plan if I spent over {$600.00} I will get a 12 month plan. I took that information and proceeded to pay the IRS {$1500.00}. I later noticed that the payment was not on a plan. I called and have spoken with five Account, Managers from XXXX, XXXX, XXXX, XXXX and today on XX/XX/XXXXXXXX  I spoke with XXXX I requested that the call be listened to every time I spoke with an account manager. XXXX let me know that the call was not listened to. She let me know that the letter from PayPal states that they will not honor my request because the transaction does not meet eligibility, which is exactly why Ive called excessively because I was given the wrong information by a PayPal agent. XXXX went on to say that when I received the XXXX the terms were in the envelope I had to let her know I received that card months on top of months ago and thats why I called previous to using the card to be doubly sure that Im using it correctly yetPayPal is not holding themselves responsible for the information that I was given

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I made 3 separate purchases from XXXX by PayPal utilizing my XXXX credit card on XX/XX/XXXX. 

Each of these transactions was filed as a 'cash advance ' by PayPal and I incurred a {$15.00} fee for each of the transactions. 

I disputed this on XX/XX/XXXX as a 'billing issue ' and PayPal denied my claim. 
I inquired with XXXX about the charges and they said there was nothing they could do because the charges originated from PayPal. I inquired with XXXX about the charges and they said there was nothing they could do because the transactions are registered through PayPal. 

PayPal account is : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XXXX/XXXX/2925 I ordered a XXXX XXXX XXXX XXXX XXXX We communicated via text. The contract she sent was to pay {$300.00} up front and the other {$250.00} when I got the cat. I sent the {$300.00} to a Chime address ( XXXX XXXX ) later she requested the other {$250.00} for transportation from XXXX XXXX I sent that through Chime to ( XXXX XXXX XXXX She then sent the cintract via email. The cat was to be delivered on the XXXX. Around XXXX am on the XXXX. they wanted another {$500.00} to get the cat transported. I refused and asked for my money back. XXXX I went back to Chime on XXXX and under those handles there's a request for refund which I could only do for XXXX. Chime never called or texted. So this morning I called them and basically stated they would look into it after telling this story to XXXX different associates. I tried to impress upon them that their platform was being used to defraud people. They were not concerned and basically not mu ch they could do about it. There was a third Chime address, I never sent miney to, but they were also not concerned about it. 
I'm XXXX XXXX XXXX and have never used Chime and will never again. But, I feel this platform is used to defraud people without any safe guards, no protections. At least on XXXX if you don't get the product you get your money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I booked a hotel through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for a stay from XX/XX/2025 through XX/XX/2025, paying {$470.00}. Upon arrival, the room was uninhabitable, so I checked out within approximately XXXX hour and secured alternative lodging the same night. 

I attempted to resolve the issue with both the hotel and XXXX : I called the hotel ; the front desk appeared intoxicated and laughed when I explained the situation, and no management contacted me despite promises. 

I called XXXX but could not reach a live agent. I emailed XXXX, and they responded that they could not assist with a refund because the bank dispute was already open, which is not a valid reason for refusing to provide the contracted service. 

I also filed a complaint with local XXXX  health authorities, who inspected the room and documented that it was not fit for habitation. 

I filed a dispute with my bank, Capital One, but it was denied. The bank stated that because the merchant responded, they were denying my dispute, without reviewing the substantial evidence I provided, including : Proof of alternative lodging booked the same night XXXX  inspection findings Correspondence with XXXX The merchant failed to provide habitable lodging, XXXX refused to remedy the situation, and the cancellation confirmation was never emailed. At no point was it disclosed that the reservation was non-refundable or that cancellation would not be allowed. 

I am requesting a full refund for this charge and a proper review of all submitted evidence, as the charge constitutes services not rendered and a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I began on XX/XX/XXXXXXXX  to request to transfer out of the SAVE plan and on to a graduated repayment plan. I called on XXXX XXXX  and I have been told my request was submitted, however my account still does not reflect the change. This has caused me to lose money in interest due to my account not reflecting changes requested. They have not performed their duty to comply with my requests. On a phone call on XX/XX/XXXX, EdFinancial denied that I requested to exit the SAVE plan on XX/XX/XXXX, however another agent confirmed on XX/XX/XXXXXXXX  seeing the request submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Under the provisions, a penalty interest can be assessed for a late payment of up to 39.99 % APR. However, according to the company representative, it is in the contract when the account is open that the consumer APR will change, without consent, to the penalty ( this is abuse of the penalty feature ). Additionally, the consumer will incur the new interest rate to any additional purchases without consent as if they are penalty fees. It is unethical to think a consumer would willingly and knowingly agree to change their interest rate to the max ( penalty ) as possible.

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 2026-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Sent out dispute. Havent heard anything from the collector. Called they said they sent validation out on XXXX XXXX, and to get it off my credit I would have to pay a settlement on and incorrect bill that is not mine

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 2026-01-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear Sir or Madam at Consumer Finance, I maintained my Macys account in good standing and used it only sporadically. On XX/XX/, I paid the outstanding balance of {$1300.00} in full, with the understanding that the account would be fully satisfied. After the balance was paid, two unexpected late fees of {$24.00} and {$41.00} were assessed, despite my good-faith effort to bring the account current and close out any obligation. 

Although these fees were promptly addressed once they came to my attention, the resulting late-payment reporting caused a significant and disproportionate drop in my credit score, which does not accurately reflect my overall creditworthiness or payment history. This situation arose not from neglect or refusal to pay, but from timing and administrative issues following a full payoff. 

I have since ensured the account is fully resolved and remain committed to responsible credit management. Given that the principal balance was paid in full and the remaining fees were minimal and quickly corrected, I respectfully request that this account be reviewed with consideration for a goodwill adjustment or correction of negative reporting, so my credit report more accurately reflects my responsible financial behavior. 

Kind regards, XXXX 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 non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My homeowners insurance was cancelled by XXXX on XX/XX/XXXX. Forced coverage was put in place in XX/XX/XXXX because no company would insure me due to past water claims. I was dropped by XXXX other homeowners companies before now having a policy with XXXX. Rocket Mortgage added {$2000.00} to my mortgage as a penalty for not having insurance between XX/XX/XXXX and XXXX IN ADDITION TO the forced insurance fee that they purchased from XX/XX/XXXX to XX/XX/XXXX. They did this even though they were collecting escrow from my account for insurance between the same dates. Now they want to charge me {$200.00} for insurance I did not carry between insurance carriers that dropped me shortly after signing me between the dates of XX/XX/XXXX to XX/XX/XXXX. How is it legal for Rocket Mortgage to add a penalty fee to my existing mortgage, and how is it legal to charge me to purchase insurance in the present for past weeks or months where no claims were made? 
The answer from their employees over the phone is, " This is Rocket Mortgage policy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FlexShopper, Inc
State: NH

Complaint narrative:
I entered into a lease agreement with FlexShopper for an XXXX XXXX. Before delivery occurred, the shipment was intercepted and returned to the sender at the shippers request. 

UPS has confirmed multiple times, in writing, that the package was returned to the sender due to a shipper-requested return and was never delivered to me. I never had possession of the product and could not refuse delivery or return it myself.

Despite this, FlexShopper : Marked the item as delivered internally even though carrier records show non-delivery Continued billing me for the lease Refused to cancel the lease or stop billing unless their vendor confirms receipt of the returned package Told me I must return an item I never received Disconnected a call after placing me on extended hold without resolution FlexShopper has acknowledged that the product is returning to their vendor but continues to keep the lease active and billing ongoing while waiting for vendor confirmation. I am being charged for a product that was never delivered and never in my possession. 

This is improper billing for non-delivered merchandise. I should not be financially responsible for delays or logistics between FlexShopper and its vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Ability Recovery service # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

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 2026-01-02 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: NJ

Complaint narrative:
I am submitting this complaint against Goldman Sachs Bank USA regarding their handling of fraudulent charges on my Apple Card, which bears the XXXX logo. 
XXXX unauthorized charges were made on my account by a bad actor through an online transaction system. Each charge was in the amount of {$690.00}, for a total of XXXX identical fraudulent transactions. While the card is used by my daughter, these charges were not authorized by either of us. 

I reported these fraudulent transactions to Goldman Sachs multiple times immediately upon discovery. Despite these repeated disputes, Goldman Sachs has repeatedly stated that the issue was resolved, while continuing to hold me financially responsible for the fraudulent charges. 

I dispute this determination. The charges were unauthorized, identical in amount, and processed online, all of which strongly indicate fraudulent activity. Goldman Sachs has failed to conduct a reasonable and thorough investigation as required under the Fair Credit Billing Act. 

As a result of Goldman Sachs actions, I am being improperly charged for fraud that I did not commit and did not authorize. I am requesting that the CFPB review this matter and require Goldman Sachs to remove these fraudulent charges, correct any related account balance or interest, and ensure that no negative credit reporting results from this dispute. 

I am prepared to provide all supporting documentation, including dispute correspondence and transaction details, upon request. 

Thank you for your assistance. 
XXXX XXXX XXXX Apple Card Account Holder Issued by Goldman Sachs Bank USA

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank closed my 4 accounts that were in perfect standing. No reason provided except telling me something on my credit caused it, but they didn't tell me what. My scores dropped almost XXXX points after the closure. The accounts closed are : Care Credit XXXX XXXX XXXX XXXX XXXXXXXX had XXXX balance on XXXX limit card ( Care credit ), on two I just made purchases because I moved ( furniture and appliances ) and one was almost empty ( XXXX ). I used them because they approved them. Nothing on my credit reports is concerning - no late payments, no collections, only inquiries ( including those from Synchrony ). This caused so much stress to me and my family because we were mortgage shopping at the time. I lost almost XXXX of credit limits.

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 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
I am requesting a review of how an Upstart personal loan account is being reported to the credit bureaus. 

This loan was opened in XX/XX/XXXX and closed in XX/XX/XXXX with a reported balance of {$0.00}. The account is currently reported with remarks such as profit and loss write-off and purchased by another lender, along with multiple late payments from that period. 

The loan has been fully resolved and has not had an outstanding balance for several years. I previously contacted the company requesting a review and clarification of the continued reporting of late payments and remarks on this closed account. I did not receive a response or resolution. 

I am not disputing ownership of the loan or the reported balance. I am requesting a review of the accuracy, completeness, and fairness of the continued reporting of late payments and write-off language on a closed, paid account, particularly given the passage of time and my improved payment behavior since that period. 

I respectfully request that Upstart review this account and make any appropriate corrections or adjustments to the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
Company name : Foster & Monroe LLC Account number : XXXX Amount : {$900.00} What happened Foster & Monroe LLC is reporting a collection account on my credit reports for a debt that does not belong to me. I have never had an account with the alleged original creditor, nor have I agreed to any debt in this amount.

Despite the debt being inaccurate, Foster & Monroe LLC has continued to report this account as a collection every month, causing ongoing harm to my credit profile.

I formally disputed this debt and requested validation. To date, Foster & Monroe LLC has failed to provide competent evidence that I am legally responsible for this alleged debt, including any signed contract, application, or proof of ownership.

By continuing to report this account without proper validation, Foster & Monroe LLC is : Reporting inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ) Attempting to collect and report a debt that is not owed, in violation of the Fair Debt Collection Practices Act ( FDCPA ) Failing to conduct a reasonable investigation before furnishing negative information to credit bureaus Causing ongoing financial and reputational harm through repeated collection reporting

Company response to consumer: Untimely response