vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted the company prior to any delinquency and requested hardship assistance. During those communications, I was informed by a representative, and later confirmed by a management-level representative, that I had been enrolled in a hardship program and that no negative reporting would occur while the program was in place. I relied on these representations in good faith. Despite this, the account was reported with multiple late payments, including 30, 60, and 90-day delinquencies. The account is also being reported as closed while continuing to reflect delinquency and a past-due balance, which is inconsistent with the hardship representations that were made. I did not receive any written documentation outlining the terms of the hardship program, including payment terms or reporting conditions. I disputed this matter, but the reporting was not corrected. Additionally, this reporting has already resulted in adverse action by another creditor, including a reduction in my credit limit due to delinquency and past-due status reflected in my credit report. Given the lack of documentation supporting the hardship terms that were communicated to me, and the inconsistencies in the reporting, I am requesting that the company either : Provide complete documentation substantiating the accuracy of the reporting, including hardship program terms and how delinquency was calculated under those terms. or Delete the account from my credit file if the information can not be verified as accurate and complete. I am also requesting that all relevant account records, including recorded calls and internal notes, be reviewed as part of this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
CLAIM # XXXX XXXX To who it may concern my name is XXXX XXXX and I am writing this letter to inform bank of America that I been going through so much dealing with my claim which is XXXX XXXX AND CHECK NUMBER XXXX XXXX GETTING IT BACK AND I BEEN GOING THROUGH THIS FOR A WHILE ITS GOING ON 4 YEARS. I HAVE BEEN CONSTANTLY SENDING PROOF OF INCARCERATION ALSO BANKSTATEMENTS STATING THAT XXXX XXXX DIDN'T CASH A CHECK THERE BUT BANK OF AMERICA CONSTANTLY DENIEING MY CLAIM WITH OUT DOING A PROPER INVESTAGATION BECAUSE IF THEY DID I WOULD HAVE MY FUNDS.I HAVE SENT SEVERAL DOCUMENTS SUPPORTING MY CLAIM .. DURING THE TIME THE CHECK WAS CASHED WHICH WAS ON XXXX I WAS INCARCERATED I HAVE BEEN GOING THROUGH LEGAL TROUBLE FOR ALMOST 5 YEARS WHICH IS NOW BEHIND ME.. NOW IM ABLE TO GET EVERYTHING THAT WAS TOOK OR STOLEN FROM ME WHILE I WAS INCARCERATED ... ALSO THE ID THAT YOU GUYS HAVE ON FILE FROM THAT CHECK IS NOT MY ID SOMEONE OBVISIOUSLY WENT TO THE KIOSK MASHINE AND USED MY SOCIAL TO PRINT THAT ID.WITH THEM HAVING MY SOCIAL SECURITY NUMBER THEY WAS ABLE TO DO A LOT OF THINGS. THE RECORD WILL SHOW THAT I BEEN GOING THROUGH A LOT OF TROUBLE GETTING MY MONEY FROM YOU GUYS.YOU GUYS BEEN DENIEING ME AFTER DENIAL WITH OUT DOING PROPER INVESTAGATION .. XXXX XXXX EVEN TRIED TO HELP ME GET MY FUNDS FROM BANK OF AMERICA EVEN AFTER THEY WROTE A STATEMENT SAYING XXXX XXXX DIDN'T CASH A CHECK AT THERE BRANCH AND SAW BOA STILL DIDN'T RETURN FUNDS THIS IS REDICULOUS I REALLY NEED MY FUNDS... I WILL BE SENDING MY OTHER PROOF OF INCARCERATION FORM BUT BOA IS STILL HOLDING SERIOUS DOCUMENTS PROVING MY WRIGHT TO MY CHECK... I FINALY JUST GOT XXXX FROM ONE OF THE TWO CLAIMS NOW I NEED MY XXXX DOLLAS FROM MY OTHER CLAIM THAN I WILL THAN HAVE WHATS RIGHTFULLY MINES .. I BEEN GOING THROUGH A HEADACHE DEALING WITH BOA... I also sent proof of first state bank proving and writing a letter that I didnt cash the check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by Collection Management XXXX on my credit report associated with XXXX XXXX. This collection account appeared on my XXXX credit report without any prior notice, communication, debt validation, or opportunity to dispute the alleged debt before reporting. I was completely unaware of this alleged account until discovering the negative reporting on my credit profile. I have no records of receiving any written notices, collection letters, phone calls, emails, or documentation identifying the nature of this debt, the dates of service, the amount owed, or proof that I am legally responsible for it. Despite the lack of communication and validation, the company proceeded to place a derogatory collection account on my credit report, negatively impacting my credit score and financial standing. This reporting appears improper and potentially noncompliant with obligations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including requirements surrounding accurate reporting and validation of disputed debts. Additionally, this appears to involve medical-related debt connected to XXXX XXXX , which raises further concerns regarding compliance with current credit reporting requirements and notification obligations for medical collections. At this time, I formally dispute this account in its entirety and request the following : 1. Immediate investigation of this account. 2. Full validation and documentation of the alleged debt, including : - Original itemized billing - Dates of service - Proof of responsibility - Proof proper notice was sent 3. Immediate deletion of this collection account from all credit reporting agencies if proper validation can not be produced. Reporting a collection account without adequate validation or communication is unacceptable and has caused financial harm through damage to my credit profile. I request prompt resolution and removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit reports and discovered multiple accounts, collections, late payments, inquiries, and other negative information that I do not recognize or believe were authorized by me. I also found inaccurate personal information associated with my credit file, including incorrect names, phone numbers, addresses, and employment information. Some of the accounts appear to have been opened or reported between XXXX and XXXX without my knowledge or consent. I attempted to dispute several of these items directly with the credit bureaus after discovering the inaccuracies. Despite my disputes, many of the negative items continued reporting without sufficient documentation being provided to me proving the accounts belong to me. I am requesting a full investigation into the unauthorized and inaccurate information appearing on my consumer reports. The inaccurate information includes collections, charge-offs, late payments, auto loan/repossessions, and hard inquiries that have negatively affected my credit standing. I am requesting that any information that can not be properly verified be removed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am submitting this complaint regarding the closure of my CareCredit account through Synchrony Bank ending in XXXX. I recently received notice that my account was closed despite the account having a {$0.00} balance and a history of on-time payments. The explanation provided referenced balances on unrelated accounts with other creditors ( also on time payment history ). At no point was this account delinquent, over limit, or in default. In fact, my overall credit profile has recently improved. Older negative items connected to a prior divorce have since been removed from my credit history, and I have continued working diligently to maintain my accounts responsibly and improve my financial standing. After receiving the notice, I contacted customer service to request additional information and a review of the decision. I was advised that the decision was final and would not be reconsidered. I understand that creditors may make business decisions regarding credit risk ; however, this closure will significantly impact my overall credit utilization despite the account being maintained in good standing. In addition, I am currently pursuing career opportunities in industries that may require background and credit reviews as part of the hiring process, and this action has the potential to negatively affect prospective employment opportunities despite my responsible payment history. I have maintained my obligations responsibly and believe it is reasonable to request transparency and confirmation that my credit reporting remains accurate. Thank you for your time and review of this matter. I look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The account status being displayed appears to be based on incomplete or inaccurate payment information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal reporting of this account. The documentation provided in response to my prior dispute does not resolve material discrepancies regarding the balance, ownership, or method of verification. XXXX. Inaccurate and Unreconciled Balance The reported balance does not reconcile with the loan terms or payment structure provided in the agreement. The documentation reflects scheduled payments totaling {$1200.00} and indicates only one payment of {$96.00} was applied. However, no explanation, ledger, or amortization schedule has been provided to support the current balance being reported. XXXX. Missing Complete Payment and Accounting Ledger The company failed to provide a full itemized accounting history, including : * all payments received, * interest accrual calculations, * fees or adjustments applied, * payment posting dates, * and a full breakdown showing how the current balance was derived. Without this information, the accuracy of the reported balance can not be verified. XXXX. Incomplete Chain of Title / Ownership Verification No complete and verifiable chain of assignment has been provided establishing lawful transfer of ownership from the original lender to XXXX XXXX XXXX and/or Leafy Financial LLC . The documentation provided is insufficient to establish current legal ownership or authority to collect or furnish this account. XXXX. Failure to Provide Method of Verification The furnisher did not provide documentation explaining how the information was verified and reported to XXXX, XXXX, and XXXX, as required under the Fair Credit Reporting Act. XXXX. Dispute of Furnishing Accuracy Due to the unresolved discrepancies above, I dispute the accuracy and completeness of this account as currently furnished to the consumer reporting agencies. XXXX. Requested Resolution I request : * Correction of all inaccurate reporting, or * Deletion of the account from all consumer reporting agencies if the furnisher can not produce complete and verifiable documentation supporting accuracy and ownership. Until such documentation is provided, I maintain that this account is inaccurately reported and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
XXXX explicitly stated : " Documents notarized and sent. Okay, so we did receive them. '' This admits that the bank had the modified contract in its possession as of XX/XX/XXXX. XXXX admitted that a C & D was on file and that she would " get those notes removed from the account completely so people don't get confused. '' This is an admission that the bank 's internal record-keeping was the cause of the communication failure. FACTS : Regarding the Call Record of XX/XX/XXXX : Agent XXXX confirmed that the signed and notarized documents sent on XX/XX/XXXX were received and on file as of XX/XX/XXXX. '' The bank admits to a 'Cease and Desist ' confusion that prevented timely communication, despite my written instruction on XX/XX/XXXX to remove said restriction. I have provided proof via email on XX/XX/XXXX, of the deed recording that took place on XX/XX/XXXX, XXXX recording performed solely to satisfy a verbal directive from your underwriting department. As I have performed all conditions, I demand the modification be finalized XXXX XXXX XXXX to XX/XX/XXXX, and the XX/XX/XXXX, sale date be vacated immediately. Judicial Council of XXXX for XXXX XXXX states : In every contract or agreement there is an implied promise of good faith and fair dealing. This implied promise means that each party will not do anything to unfairly interfere with the right of any other party to receive the benefits of the contract. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: GOLDEN 1 CREDIT UNION, THE
State: SC

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX hour study materials with questions where you have an ability to take a real estate exam for {$360.00} on XX/XX/year>. I completed my required 60 hours of schooling and requested online to take the exam. No response. I called and emailed multiple times to schedule my test with the company and one employee told me they had a glitch in their system. The owner of the company contacted me via email and told me I must not have finished the 60 hours of required work and there was no way he had a glitch in his system since he's been doing this for 43 years and he does not have glitches. He became very upset and unprofessional. At this point there was no getting thru to him so I contacted the XXXX to file a complaint and called my credit union , XXXX XXXX XXXX XXXX to submit a dispute. Finally the XXXX complaint went thru and the owner contacted me again and was playing games. He said he would wait 30 days to respond to XXXX so I could not take my test and I would just have to wait. I sent him the email that his employee had sent regarding the glitch. We finally reached an agreement if I retracted my XXXX complaint, he would let me take the test. I called XXXX XXXX that same day I called in the dispute and told them to cancel the dispute and they said they would. Weeks later, I was able to take the test but the XXXX complaint still went thru and XXXX XXXX still pursued the dispute. The owner set up a XXXX meeting with me and said he would not let me retake the exam since I only partially passed. He charged my card the {$360.00} again without my permission. Now XXXX XXXX says they have done everything they can and the owner is denying the refund and told me I have to call the company and pursue the refund or get the schooling I paid for directly with the company. I tried one last time to schedule a test and I have had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XXXX admitted on recorded calls in XX/XX/XXXX ( reference # XXXX, rep XXXX ) that the {$260.00} Credit Control Services collection is false reporting and not owed. The auto policy from XXXX was properly canceled and never should have been sent to collections. XXXX submitted a back-office deletion request, but it failed internally ( no proof received even though none was ever requested from me ). I have called XXXX multiple times since then. Reps confirm the error but bounce me between departments, refuse to send written confirmation, and will not recall the debt from Credit Control. The collection remains on my XXXX report, lowering my credit score and causing denials ( including a recent XXXX XXXX denial ). XXXX has the ability to recall this erroneous debt but has not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent collection reporting associated with identity theft. I recently completed and submitted an FTC Identity Theft Report regarding accounts being reported by your company that I do not recognize and did not authorize. I formally disputed these accounts and requested investigation, validation, and removal pursuant to FCRA Section 605B, 15 U.S.C. 1681c-2. Despite my dispute and identity theft documentation, these accounts continue to be reported and/or collected upon, causing significant harm to my consumer reports and housing opportunities. I am requesting that the CFPB review this matter and require the company to : Conduct a proper investigation Provide full validation and supporting documentation Cease collection activity pending investigation Block and remove any fraudulent or unverifiable reporting Confirm the results of the investigation in writing Attached supporting documents include : FTC Identity Theft Report I am requesting immediate compliance with federal consumer protection laws and correction of my records.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, during a documented Coinbase system-wide outage, Coinbase erroneously credited approximately XXXX BTC ( plus smaller anomalous transactions ) to my account due to an internal ledger error. I immediately notified Coinbase support. I sent a total of XXXX BTC externally to my Ledger wallet ( XXXX BTC on XX/XX/year> and XXXX BTC on XX/XX/year> ). Acting in good faith and following explicit instructions from Coinbase support representative XXXX in support ticket # XXXX, I returned XXXX BTC ( XXXX BTC on XX/XX/year> and XXXX BTC on XX/XX/year> ). The remaining XXXX BTC remains untouched in my external cold storage wallet and has not been demanded back by Coinbase. Coinbase later admitted in writing to the Texas Department of Banking ( Complaint No. XXXX, response dated XX/XX/year> ) that the credit was accidental and that I had returned most of the funds. However, Coinbase then unilaterally debited my remaining pre-error legitimate balance of XXXX BTC ( valued at approximately {$31000.00} ), plus small amounts from my XXXX and XXXX wallets, to cover the final shortfall. They permanently closed my account. Compounding the issue, Coinbase issued a Form XXXX for approximately {$34000.00} in miscellaneous income for tax year XXXX. This directly contradicts XXXX earlier written assurance that fully returned erroneous credits would not trigger tax reporting. The XXXX treats Coinbases own internal error which they fully recovered through internal debits as taxable income to me. Additional concerning facts include : I received an email from XXXX XXXX, a Coinbase-contracted reviewer who claimed to have personally approved a related transaction and feared termination for the bug. The email contained highly specific internal details only someone with legitimate Coinbase access would know. My Coinbase account activity logs show only my own XXXX XXXX, Texas IP addresses during the entire period, ruling out external compromise. Coinbases XX/XX/year> regulatory response incorrectly cited a nonexistent Section 7.7 of the User Agreement as authority for closing my account. I have attached the following supporting documentation : Excel timeline with all transactions, emails, and screenshots Coinbases XX/XX/year> letter to the Texas Department of Banking ( with my annotations ) Relevant support ticket correspondence ( including XXXX assurances ) Account activity/IP logs Form XXXX XXXX XXXX email I am available for any follow-up and request a substantive response within the required timeframe.

Company response to consumer: Closed with explanation