vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This account has been paid off and is not updating information on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was scammed in a private sale involving a university parking permit. The seller claimed they were transferring/selling a parking permit and I sent a XXXX payment to them about XXXX hour ago. After receiving my payment, the seller then demanded an additional {$500.00} insurance fee and repeatedly pressured me to pay, but refused to provide any official proof or policy showing this fee is required. This indicates the transaction was fraudulent and the promised permit transfer/service was not delivered. I have screenshots of the full conversation, the XXXX payment confirmation, and the sellers contact information. I called chase, after a ton of selections with bots, they transferred me to different departments. I said I would like to stop/recall the money, but if that's not possible, at least flag the fraud account. Their final answer is can not help me from their end.

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I had a friend send me XXXX for XXXX XXXX and they froze my account only transaction on my account was that no reason XXXX XXXX sent them a copy of my state ID and of my birthdate XXXX XXXX card they still won't release my XXXX that was gifted to me by my friend they just keep giving me the run around now they said I only had a certain amount of time to take care of this or what I asked send it back to my friend I have him send it to me another way well of course there not going to do it help me please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I bought a car in classic XXXX grapevine, and the financial institution was Santander consumer usa, the sales representative apply a lot of pressure on me and told me that the best is not to put to much down, I didn't have a good knowledge about finances and this company takes advantage about that, they give me a 20.6 % anual interest rate, then a couple months after that I tried to talk with the lender for a better rate but the denial saying that " Santander consumer usa don't refinance his own loans '' I said ok the give me a copy of my loan documents and pay off quotes to look for another lender, they never send me the documents, I asked for those XXXX  times and I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Unaware of this dept. I would like this removed from my credit report and any negative transactions.

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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: Chime Financial Inc
State: NY

Complaint narrative:
I made an deposit in XXXX my account from my taxes soon as the money hit the account it was token from me within seconds XXXX on the phone with chime as the fraud it's continually to happen they allowed whoever " XXXX XXXX " transfer {$1500.00} then {$1300.00} they keep asking to provide myself being home being that they see somebody in the account see there is an different device it's being taken off and everything but I still have to provide proof to get my money back it isn't fair

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Unifin Inc.
State: TX

Complaint narrative:
Unifin is the name of the company they text me that I owe a debt but didnt want tell me in details

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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
It says that I have a closed account possibly due to fraudulent activity

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: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST PORTFOLIO SERVICING INC
State: WI

Complaint narrative:
I am writing to formally file a complaint regarding my account with Total Visa and the inconsistent and misleading information I have received about my enrollment in a hardship program. 

On XX/XX/year>, I contacted Total Visa and spoke with a representative to request enrollment in a hardship program. I was on the phone with this representative for nearly an hour. During that call, I was advised that in order to enroll, I needed to make an initial payment of {$24.00} by XX/XX/year>. I agreed to this requirement. I was also informed that, once enrolled, I would be required to make monthly payments of {$41.00} by my regular due date of the XXXX of each month through XX/XX/year>. I confirmed that I agreed to these terms. 

On XX/XX/year>, I received a call from Total Visa that I missed. When I returned the call, I was told I had a past-due balance. I explained to the representative that I was enrolled in a hardship program. The representative was dismissive, so I requested to speak with a supervisor. The supervisor apologized and explained that the call was a courtesy reminder. He confirmed that I was enrolled in the hardship program and reiterated that I needed to make my monthly payments by the XXXX through XXXX. I advised that I would make the payment which I did and it has posted to the account. 

However, on XX/XX/year>, I received an email stating that I owed {$81.00}. I immediately called Total Visa for clarification. The first representative I spoke with stated they had no knowledge of any hardship program on my account. I was then transferred to an account supervisor named XXXX, who told me that I was not enrolled in a hardship program. When I asked him to identify the supervisor I previously spoke with on XX/XX/year>, he refused to provide that information. He stated that the matter would be escalated for call review, but given the repeated inconsistencies, I expressed concern about trusting that this would be resolved appropriately. 

I have been given conflicting information multiple times, which has caused significant confusion and stress. I am currently dealing with the loss of my home due to an electrical fire and am actively working to rebuild my life while continuing to meet my financial obligations. This situation has added unnecessary emotional distress during an already difficult time. 

Due to the lack of clear communication and the conflicting statements from Total Visa representatives and supervisors, I am requesting that the CFPB review this matter and assist in ensuring that my account is handled fairly, accurately, and in accordance with the hardship agreement that was represented to me.

Company public response: Company believes complaint is the result of an isolated error
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 is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing this complaint regarding multiple unauthorized transactions on my account that were disputed but unfairly denied without proper investigation. 

Between XX/XX/XXXX and XX/XX/XXXX, several transactions were made from my account without my authorization. These include charges from merchants such as XXXX, XXXX, XXXX XXXX, and XXXX, totaling a significant amount. I immediately reported these transactions and filed disputes for XXXX unauthorized transactions. 

Despite submitting the disputes on time, my financial institution closed the case and denied all disputes without providing a clear explanation or evidence showing that the transactions were authorized by me. I did not receive any detailed investigation results, merchant proof, or valid justification for denial. 

These transactions were not made by me, and I did not share my card details, XXXX, or login credentials with anyone. This appears to be fraud, and I believe my dispute was not handled in accordance with consumer protection and fair investigation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MN

Complaint narrative:
We were called from XXXX saying I owed USBank {$1000.00} for an old checking acct. we did not give them our new address but they had an old address ( XXXX XXXX  ). I said I dont recall anything and could they send any paperwork to my email so I could look at it? I also said we bank at US bank and a checking account listed under my name from XXXX years ago wouldve shown up when they took on our mortgage. 

I called XXXX XXXX  fraud department and she looked my acct up and there was nothing listed under my name from them. They verified it was a scam and not to worry.

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: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank Credit Card. This account is listed as a collection with a remark indicating it was " PLACED FOR COLLECTION. '' I do not recognize this debt, and I have never entered into any contract with Wells Fargo Bank.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO 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 response to consumer: Closed with non-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: HW Holding, Inc
State: AL

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FirstPoint Collection Resources
State: TX

Complaint narrative:
First Point Collection Services emailed me threatening to sue me for a debt not owed and threatened to collect exempt funds. As a permanently XXXX XXXX Veteran my funds are exempt from the claims of creditors. They refuse to validate this debt and I will not tolerate being harassment or tolerate abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Hi my name is XXXX XXXX I have had my auto loan since XX/XX/XXXX XXXXi believe I am concerned about refinancing or something that was done to my account that I was unaware of and my car payment did go down a XXXX dollars but the years went back to when I purchased it. I am not sure what happened. I am now late partially my fault holidays happened and we had shut down. But anyways I heard there was discrepancies with this company and one is loan modification without knowledge so I was wanting to look into it Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX I called Synchrony Bank / CareCredit to request a copy of my full account agreement in PDF format so I could review the terms. The phone call lasted 22 minutes and involved being transferred multiple times. 

The first several representatives I spoke with each told me they were not the right department to handle that request. I was transferred repeatedly, sometimes to reps who still couldnt assist, or to someone who said the appropriate department wasnt available and would try again. Eventually, I reached someone who appeared to be a higher-level representative within the correct department. 

That final representative told me that account agreements could not be sent via email and could only be mailed. However, I had already received a letter from Synchrony Bank by email confirming my enrollment in the XXXX XXXX XXXX. I mentioned this contradiction during the call, and while he acknowledged my concern, he still insisted they could not send the agreement electronically. He offered only to submit a request regarding my concern, without providing a clear reason for the policy or a path to resolution. 

This inconsistent messaging and refusal to provide my legal agreement in a format theyve already used for other official documents raises serious concerns. I am simply trying to review the official terms of my account, and I believe I have a right to access those documents in a timely and accessible way. The obstruction I experiencedespecially after being bounced between departments and denied a clear explanationfeels unnecessarily evasive and unprofessional.

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 — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NE

Complaint narrative:
I am currently in a XXXX  XXXX bankruptcy that is close to closing out in three months. Through the life of my loan, my mortgage has been sold multiple times. One of the reasons I have filed for bankruptcy in the first place is because my mortgage payment payments are not being applied or I dont believe theyre being applied correctly. I also believe that my escrow funds have not been applied correctly my biggest point to my miss servicing of my loan is I have lived in my house for 19 years and I currently owe more than I bought the home for. I do not understand how that is possible so I have requested from my mortgage company account detail from the start of my loan. I would like to know payments made, and how they were applied. I would like to understand the changes that have been made to my loan and a paper trail for the funds that I have paid for my home. I would like this to include information about the selling of my loan because the first time I ever saw a discrepancy was the first time my loan was sold and each time it has been sold since then I dont receive any type of information as to the status of my loan throughout my loan Ive received notification that my payments were not being made when they were and I have had financial struggles at time that I was unable to pay, but those are all paid at this point. I need a truth in lending page. I also need to understand the deferred amount that is on my statement because it actually makes me owe more for my mortgage than I originally paid for the house with my escrow at one point I was told I was owed a surplus then that money disappeared and then I was told I had a deficient amount in my escrow that I have had to pay back. I need my mortgage investigated entirely because I can not even get answers to any questions when I contact Selene XXXX nor can my bankruptcy attorney when they have asked. During my bankruptcy I have received notice that Im not paying payments from the mortgage companiess attorney then when I prove that Ive made the payments. The attorney comes up with an amount that I have to give them. I do just to keep my home, but it never makes any sense. I never know what Im paying for. How much I owe where my money is going I just continue to give them money on my statements that I receive the amounts arent correct and they tell me that thats because Im in a bankruptcy and its applied differently, but yet I cant speak to the department that applies it or even understand where or when the money comes from or goes. I believe that Selene XXXX  is a continuation of my previous predatory lender company. I initially started with XXXX and then had nation star then XXXX XXXX and now Selene XXXX. I would like the payment information and escrow information from the start of my loan to current so I can see how my payments were applied and where my money went.

Company response to consumer: Closed with explanation