vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
On XX/XX/year> I received an email from XXXX bank regarding a past due balance. This was the first time I was ever notified about the payment regarding my student loan. XXXX was my original loan servicer for my loan but at some point it had been switched to XXXX. I was never made aware of this change and thus had been checking XXXX regularly for updates regarding my loan ( XXXX showed no balance and also never informed of the switch ). So when I was made aware of this I became current on my payments and have been ever since. This has greatly impacted my credit score and I would like that issue to be resolved. XXXX will not accept responsibility for the lack of communication being provided, yet will not show any evidence of them contacting me. I have communicated with XXXX several times over online chat and phone calls to which they were very unwilling to assist me. I have also contacted all 3 credit reporting bureaus which did not work either due to XXXX 's unwillingness to accept fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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 Systems,Inc.
State: AL

Complaint narrative:
XXXX. XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I noticed {$1000.00} was borrowed from my Cash App account that I did not authorize, the next transaction was from an email that wasnt mine for {$1.00} where at that point my account was flagged for suspicious activity. I reported this on the XXXX and was told it would be looked into. A few days later, I noticed my account had been unlocked and this is where that borrowed amount was sent out to multiple accounts that I do not know. So I was hacked AGAIN. The sent out amount was over {$1000.00} because they used the Afterpay as well, an option I had never used and didnt even know existed. 

I of course reported this again where I was told in XXXX business days I would hear from Cash app, this was around XX/XX/XXXX. Since the XXXX, I've also seen login 's to my account in states I'm not in ( the notification said in XXXX and I'm in XXXX  ) and that a card was approved on my account and being shipped out. Not to mention I was logged out and can no longer see the detailed activity on the app. Cash App has offered little to NO help to fix this and close my account, Ive initiated all contact and when I finally received an email, the representative, who I was told was investing my account asked the exact same questions I submitted back on the XXXX. Each email is a different person asking the same questions. This is the absolute worse customer service I have ever dealt with and despite me being thorough about supplying details Im not closer to fixing my problem a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GULF COAST COLLECTION BUREAU, INC.
State: GA

Complaint narrative:
In my previous complaint I requested gulf collection bureau to stop contacting me and stop all collection attempts but they never responded to that request. Today I received a phone call from their office and the phone number was XXXX. This is a disregard and harassment. My rights are being violated as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
I verified my identity. I provided my California identification card with my current address. My address on my license matches the Cash App account address. Everything I submitted was the original and showed my current information. After one business day I received an email that my account was closed. With no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Company : Shellpoint Mortgage Servicing Issue : Mortgage servicing / Loss mitigation / Successor in Interest Complaint Narrative : Shellpoint Mortgage Servicing approved a Partial Claim on XX/XX/year>, stating in writing that no action was required on my part and that documents would be sent within 30 days. The Partial Claim was never applied, and no documentation was sent. 

I am the successor in interest and beneficiary following the death of the borrower, my mother. Despite my legal status, Shellpoint failed to implement the approved loss-mitigation option and failed to properly service the loan. 

This failure constitutes a violation of RESPA and Regulation X, including failure to implement an approved loss-mitigation option and failure to properly recognize a successor in interest. 

I am requesting immediate correction of the loan, application of the approved Partial Claim, recognition as successor in interest, and written confirmation of resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
billing error pursuant to the Truth in Lending Act ( TILA ), 15 U.S.C. 1666 ( b ). I am disputing the late payment entries reported on the above-referenced account and demanding their immediate removal from all consumer reporting agencies.

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 2026-01-26 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: VA

Complaint narrative:
I am filing a formal complaint against Synchrony Bank regarding my PayPal Credit account due to ongoing billing errors, promotional balance misallocations, and failure to correct an inaccurate account balance despite repeated notice and documentation. 


This issue began in at least XX/XX/XXXX. At that time, PayPal Credit customer service confirmed that my entire balance was promotional and admitted that refunds and returns may have been misapplied across promotions instead of being credited to the original purchases. A support ticket was opened, but the balances were never properly reconciled. 


On XX/XX/XXXX, PayPal Credit again admitted via chat that my balance was incorrect due to manual reallocations, stating that miscellaneous adjustments were the reason my balance was higher than it should be. I was told the issue would be corrected within one billing cycle. It was not. 


On XX/XX/XXXX, I made a payment and explicitly instructed that it be applied to specific special financing purchases. PayPal Credit confirmed that the payment was applied as requested and further confirmed that only one promotional balance remained, expiring in XX/XX/XXXX, and that my non-promotional balance was {$1.00}. 


That final promotional purchase was fully refunded by the merchant on XX/XX/XXXX. At that point, my account should have had a XXXX balance. 


However, on XX/XX/XXXX, PayPal Credit informed me that my account still had a promotional balance of approximately {$3900.00}. At the same time, my online account showed all balances as XXXX. When I asked for the identity of the unpaid purchases, PayPal Credit admitted that their system could not display the details. 


I sent a written billing dispute via certified mail on XX/XX/XXXX. On XX/XX/XXXX, Synchrony Bank responded, confirming that manual promotional and non-promotional balance reallocations had been made, and that credits and debits were used internally to move balances between categories. Despite this, the incorrect balance remained. 


I have made multiple payments on this account while the billing error has been unresolved, solely to avoid credit harm. These payments do not constitute acceptance of the validity of the balance, and I am requesting that all payments made during the dispute be refunded or properly reapplied once the ledger is corrected. 


Synchrony Banks systems have been internally inconsistent, with customer-facing balances showing XXXX while internal ledgers report thousands of dollars in promotional balances that can not be tied to any valid unpaid purchases. This constitutes an ongoing billing error under the Fair Credit Billing Act.

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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: The Savings Group, Inc.
State: FL

Complaint narrative:
I was using the XXXX XXXX XXXX  to check my credit score when I saw an offer to refinance my car. There was a button labeled See Offer. After I clicked it, another screen opened with the name RateGenius and a disclaimer stating, Thank you for your inquiry. XXXX of our representatives will contact you. Almost immediately, I received a call from someone at RateGenius saying he was calling to proceed with signing my new loan with them. I told him I had not approved any loan and asked whether my credit had been run. He said yes. I was extremely upset and asked to speak with a manager and requested proof of any agreement or authorization. The representative stated that they did not have any documentation because they were only the broker and that everything was completed electronically through XXXX XXXX. I asked for a copy of this agreement, and she then said she did not have it. When I spoke with the manager, she initially said they did have a copy but could not show it to me. I explained that this violated my consumer rights, as I am entitled to see any agreement I supposedly signed authorizing a credit inquiry. She then changed her statement and said they did not have the agreement because it was electronic and that XXXX XXXX  had it, and that it would take time to obtain. At that point, it was clear I had been given multiple conflicting and misleading statements, so I informed them that I would be filing a complaint. I then contacted XXXX XXXX through their chat support. I was told they also did not have any agreement on file and that they do not run credit checks themselves. They blamed RateGenius, stating that RateGenius was responsible for running the credit inquiry. I also notice after that I received XXXX emails, XXXX from rate genious stating that they were going to call me about my application and XXXX from XXXX XXXX where they advised that my credit report was affected because of a hard inquiry and when I checked my credit report. It was lower XXXX points. I was left with no answers no one could explain who ran my credit or provide the agreement authorizing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have an American Express platinum credit card. They sent me an email stating that if I opened a savings account, deposited XXXX XXXX XXXX dollars and left it there for XXXX days I would receive a XXXX XXXX dollar bonus. I waited more than XXXX days and didn't receive it, so I called them. They claimed there is an offer like that but I must not have set it up correctly because I'm not eligible. I clicked the link in the email they sent me, and now they refuse to give me the promotion promised. Below are the contents of the email : American Express, opens a new tab Don't Live Life Without It, opens a new tab Account ending : XXXX Member since : XXXX  American Express Card Hello, XXXX XXXX Watch Your Savings Soar : Earn a {$400.00} cash bonus XXXX bank being boosted by cash See how you can earn a {$400.00} cash bonus with an American Express High Yield Savings Account Earn over XXXX the national average XXXX more reasons to feel confident See how much you may earn Elevate your savings with an exclusive {$400.00} cash bonus Explore more with your American Express Card Add someone to your account Refer a friend Add Amex Offers to your Card Check out the Shop Small map App-Icon Get the American Express App Manage your account on the go by turning on alerts, monitoring charges, and much more. 
Download on the XXXX XXXX, opens a new tab Get it on XXXX XXXX, opens a new tab

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
Narrative Description BSI Financial XXXX ( Late Payments Only ) I disputed the late payments reported by BSI Financial XXXX  for XX/XX/year>, XX/XX/year>, and XX/XX/year> after identifying inaccuracies in the payment history being reported to the credit bureaus. In response, the credit reporting agencies stated that BSI Financial XXXX  verified the late payments and also acknowledged that certain account fields were updated. 

The acknowledgment that account fields were modified indicates that the original reporting was inaccurate or incomplete. Despite this, the late payments for the disputed months continue to be reported without BSI Financial XXXX  providing billing statements, payment posting records, or documentation showing how delinquency was calculated for those months. 

I requested documentation to support the reporting of these late payments, including due dates, payment receipt dates, and records relied upon during bureau investigations. As of this complaint, BSI Financial XXXX  has not provided the requested documentation, yet the late payments remain on my credit reports. 

I am disputing the continued reporting of these late payments because they have not been properly substantiated and remain unsupported by clear documentary evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I do not believe the companys response adequately resolved my complaint or addressed the core issue. I am therefore creating a new case, as my previous CFPB case ( XXXX ) was closed without resolving the dispute, even though the account does not belong to me. The account in question was not opened, authorized, or used by me, which is why I filed an Identity Theft Report with the Federal Trade Commission ( FTC ). The companys response relies primarily on internal records and public-record matching rather than addressing the identity theft claim itself. Barclays Bank Delaware states that it can not accept the account as fraudulent because certain personal information allegedly matched public records. However, identity theft commonly involves the misuse of accurate personal information. The presence of matching name, address, or date of birth does not prove that I personally applied for, authorized, or used this account. The response does not provide evidence of my consent, such as a signed application, verified electronic authorization, or proof that I personally initiated or benefited from the account. Additionally, the account was previously removed and later reinserted after being verified. The companys response does not explain what new or materially different evidence justified reinsertion, nor does it explain how reinsertion complies with identity theft protections. This reinsertion has caused renewed harm to my credit profile and is a key reason I am reopening this matter under a new case. The documents referenced by the company, including a cardmember agreement and billing statements, do not establish that I owned or authorized the account. Generic agreements and statements do not prove consumer authorization in identity theft cases. The response also fails to meaningfully address my FTC Identity Theft Report or explain why the account was not blocked or removed despite that filing. Instead, the company reiterates its prior position and closes the complaint without resolving the dispute. Because my prior case ( XXXX ) was closed without correcting the inaccurate reporting, I am submitting this new CFPB case to request further review and oversight. I do not consider the companys response fair, complete, or satisfactory, and I am requesting continued CFPB involvement to ensure identity theft protections are properly applied and that fraudulent accounts are not reported or reinserted without valid proof of consumer 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 explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was charged a {$25.00} equity line overdraft fee due to a one-time timing issue. I attempted to resolve by phone but was told I must visit a branch and that there is no written or email dispute option. I am requesting a one-time courtesy reversal. This is not a recurring issue on my account.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 explanation
Consumer complaint received 2026-01-26 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX the XXXX  I initiated a payment through XXXX  for XXXX. Unbeknownst to myself, XXXX had a setting for enabling debits that I was unaware of so they returned the payment despite having sufficient funds in the account. As soon as I discovered this via email from XXXX, I immediately went back in and updated the settings.And tried to reinitiate the payment. Unfortunately, the credit card was closed without my consent or knowledge. I only discovered that it was closed when I logged into the app.For the credit card i tried appealing the decision and contact a customer service, but they were of no use. Since the payment rejection was not my fault.I feel like it is unfair.That they closed it as well as did not give me any notification.Or warning to make the situation right. I paid in good faith. And it was an administrative technicality that was beyond my controll or knowledge.And I am being punished for something that is not my fault.

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian placed a security freeze on my credit. I never received a PIN. I mailed verification documents and attempted to resolve by phone, but I am unable to reach a human representative. The automated system will not allow identity verification or a supervisor. This freeze is preventing me from accessing credit and housing. I am requesting immediate removal of the freeze or direct contact from a specialist.

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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
None of my information was updated properly and the company is now involved in a unfair act lawsuit and even tried sueing without the correct information updated and did not send me anything regarding the mater

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