vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Evidence of Servicing Notification Error & Failure of Timely Notice leading to Inaccurate Credit Reporting Inaccurate Periodic Statement/Material Misrepresentation of Account Status : -Received email on XX/XX/year>, that payment was posted, did NOT receive any email to say that payment was reversed. 
-Monthly mortgage statement, generated on XX/XX/year>, explicitly states that my account is " XXXX '' and lists {$0.00} in late fees. 
-Received email on XX/XX/year>, for monthly mortgage statement, generated on XX/XX/year>. 

Active Communication : -In direct email contact with your research department regarding mortgage inquiries on XX/XX/XXXX, XXXX, and XXXX. 
-Called on XX/XX/XXXX at XXXX for XXXX minutes. 
-At no point during these interactions was informed of a payment reversal or late mortgage payment. 

XXXX XXXX : -Relying on XXXX 's official XX/XX/XXXX statement showing a current status, provided this document to a mortgage broker on XX/XX/XXXX for a new home purchase. 

Lack of Notification : XXXX XX/XX/year> payment was subsequently reversed on XX/XX/year>. 
-Received no notification from Mr. Cooper XXXX this failure via mail, the online XXXX XXXX, or phone until email sent on XX/XX/year>. 
-Called immediately on XX/XX/XXXX due to the holidays -Provided immediate payment for late mortgage payment and future mortgage statement. 

Failure of Provide Reasonable Prompt Notice : -Received no notification of any issue until XXXX 's email on XX/XX/year>. 
-By failing to notify until the XXXX, denied the opportunity to cure a bank reversal before the XXXX reporting threshold. 
- XX/XX/XXXX email was XXXX notification received and explicitly stated " avoid fees and negative credit reporting, '' yet the servicer reported the delinquency on that same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: NJ

Complaint narrative:
I am submitting this complaint due to ongoing, unresolved credit reporting inaccuracies and compliance failures involving multiple furnishers on my consumer credit reports. Despite repeated disputes, these companies continue to report inaccurate, contradictory, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts listed below are being reported as charged off, past due, or delinquent, yet they simultaneously display conflicting balances, inconsistent payment histories, and re-aged delinquency markers that can not legally coexist with a finalized charge-off or closed account status. In several cases, the same accounts are reported differently across credit bureaus, demonstrating a failure to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 

I have made good-faith efforts to resolve these issues directly by disputing the inaccuracies with the consumer reporting agencies. However, the furnishers have either failed to properly investigate, relied on automated verification methods, or continued reporting without providing competent, source-level documentation to substantiate the alleged debts. 

These reporting practices have caused measurable harm, including credit denials, higher interest rates, and damage to my creditworthiness. Once an account is charged off, it may not continue to accrue delinquency codes, reflect fluctuating balances, or be reported with internally contradictory data. Continued reporting of such information after notice constitutes willful or negligent non-compliance with federal law. 

The following accounts are affected by these violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dated XX/XX/year> In addition, the XXXX XXXX inquiry was placed on my credit report without my authorization or proof of a permissible purpose, in violation of 15 U.S.C. 1681b. I have never provided written consent nor received documentation showing that I applied for credit with this institution. 

These ongoing failures demonstrate a lack of reasonable investigation, improper reliance on furnishers self-certification, and continued publication of inaccurate information after notice. I am requesting regulatory intervention because direct dispute efforts have not resulted in lawful compliance

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 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: NJ

Complaint narrative:
I am submitting this complaint due to ongoing, unresolved credit reporting inaccuracies and compliance failures involving multiple furnishers on my consumer credit reports. Despite repeated disputes, these companies continue to report inaccurate, contradictory, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts listed below are being reported as charged off, past due, or delinquent, yet they simultaneously display conflicting balances, inconsistent payment histories, and re-aged delinquency markers that can not legally coexist with a finalized charge-off or closed account status. In several cases, the same accounts are reported differently across credit bureaus, demonstrating a failure to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 

I have made good-faith efforts to resolve these issues directly by disputing the inaccuracies with the consumer reporting agencies. However, the furnishers have either failed to properly investigate, relied on automated verification methods, or continued reporting without providing competent, source-level documentation to substantiate the alleged debts. 

These reporting practices have caused measurable harm, including credit denials, higher interest rates, and damage to my creditworthiness. Once an account is charged off, it may not continue to accrue delinquency codes, reflect fluctuating balances, or be reported with internally contradictory data. Continued reporting of such information after notice constitutes willful or negligent non-compliance with federal law. 

The following accounts are affected by these violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dated XX/XX/year> In addition, the XXXX XXXX inquiry was placed on my credit report without my authorization or proof of a permissible purpose, in violation of 15 U.S.C. 1681b. I have never provided written consent nor received documentation showing that I applied for credit with this institution. 

These ongoing failures demonstrate a lack of reasonable investigation, improper reliance on furnishers self-certification, and continued publication of inaccurate information after notice. I am requesting regulatory intervention because direct dispute efforts have not resulted in lawful compliance

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: 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: Klarna AB
State: NY

Complaint narrative:
I booked a resort through XXXX using Klarna. 
The booking was cancelled the same day. 
XXXX never captured or collected funds from Klarna. 
This was a pre-capture cancellation, not a refund. 
Despite this, Klarna continues to charge me while claiming the case is under investigation. 
I am requesting that Klarna void the authorization, stop all billing attempts, and correct my account balance to {$0.00}. 
I have already contacted Klarna multiple times, and they have failed to resolve the issue.

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: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: NC

Complaint narrative:
In XXXX we were given a {$500.00} Visa ( says US Bank ) debit card from XXXX XXXX, a grovcery store in XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX. The card package was not opened until late XXXX. When trying to use the card at a restaurant it did not work. I called the number on the back of the card ( XXXX ) which is part of XXXX XXXX  When I spoke to someone they said the card was inactive because of a possible fraud. Again, the package was never open. I was told I needed to upload the front and back of my drivers license. I called back and now they want me to also send a picture of the back and front of the gift card. I XXXX this and found this is a scam and others have not been able to use their card. I am not sure what else I can do to be able to use this gift card. Is it possible to get a replacement gift card from the grocery store?

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: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute unauthorized transactions on my Cash App account and to demand reimbursement for funds that were fraudulently taken from me. 

My Cash App account was compromised, resulting in two transactions that I did not authorize, initiate, or benefit from : XXXX, XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$98.00} I did not place these orders, I did not receive any goods or services, and these purchases were not delivered to my state. As a result of this fraud, my account was completely drained, leaving me with a XXXX balance. 

I promptly reported these transactions as unauthorized and filed disputes in good faith. Despite this, Cash App denied my claims and refused to refund my money, forcing me to suffer a financial loss for fraudulent activity that was not my responsibility. 

Under consumer protection laws, including Regulation E, I should not be held liable for unauthorized electronic transactions when they are reported in a timely manner. Cash Apps failure to properly investigate and resolve this matter is unacceptable.

I am requesting the following resolution immediately : 1. A full refund of {$360.00} 2. Restoration of my account balance 3. Written documentation explaining the basis for the denial of my fraud claims If this matter is not resolved promptly, I will continue pursuing all available remedies through regulatory agencies and formal complaints. 

I expect this issue to be escalated and handled accordingly. 

Sincerely, XXXX

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 — Problem with fees
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
My problem is with the Syncrony Bank XXXX or XXXX. Account ending in XXXX. Fist they unexpectedly lowered my balance from XXXX to XXXX but that was ok. I didnt use the card that often. However, I ask them to close the account and send a payoff balance which they never did and when I would try to log on to the account to make a payment it wouldnt let me. I was told that I couldnt log in because I closed it. When I spoke to someone on the phone they told me I needed the account number which I no longer had due to disposal of the physical card. I ask to be contacted only threw mail since they were calling all the time. I was able to log on today XXXX and spoke to two different people regarding my account. XXXX and XXXX. I ask for a payoff sans late fees and they refused to do so and told me they couldnt send me a payoff amount.

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 — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Promotional plan ended without notification other than small area on statement. 

This seems predatory and Comenity has no interest in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I recently obtained a copy of my credit report from your agency and discovered that : XXXX XXXX is reporting late payments on my studentloan account ( Account No. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX XXXX XXXX late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX of XXXX XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account No. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Professional Debt Mediation is reporting a collection account that has not been properly validated. 

I have not received documentation proving : - That Professional Debt Mediation owns this debt - That the amount reported is accurate - That I am legally obligated to pay this account This collection is being reported without proper verification, which violates the Fair Debt Collection Practices Act ( FDCPA ). I am requesting full validation or immediate deletion of this account from my credit report.

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: Radius Global Solutions LLC
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Radius Global Solution XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: MI

Complaint narrative:
I am vehemently disputing the charge-off and collection entries from Credit Control LLC , linked to XXXX  as original creditor, added on XXXXXXXX XXXX and XXXX XXXX, as these represent fraudulent activity stemming from identity theft. Under the Fair Credit Reporting Act, Section six eleven, I demand immediate deletion of this inaccurate information from all credit bureaus and request full investigation citing fifteen U.S. Code one six four three, which mandates creditors verify debts before reportingfailure to do so renders this claim void.

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 — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I ordered some furniture on line from XXXX and applied for financing, I was approved with Synchrony and they sent me a statement that said pay this monthly so I set up auto withdrawals and have never been late or missed a payment. I was looking at XXXX XXXX yesterday because my husband and I were trying to pay off some of our credit card dept with his bonus from work and I thought that charge didn't look right I called them and they said I had not met the terms of the promotion and they charged me {$700.00} in interest back to the beginning. I thought I was making them payments it was extremely deceptive they said they waived the {$150.00} they charged me in XXXX. I paid the {$1200.00} I think I owed on XXXX in good faith to pay my debt. I didn't keep my statements or even really look at them because in my mind this was on auto withdrawal with what they told me to pay. I'm extremely upset and I feel like I acted in good faith with my payments. I don't know for sure when it expired XXXX person said XX/XX/year> XXXX said XX/XX/year>. I don't feel like I got any information from them at all. I would like at a minimum to know if they waived the around {$150.00} from XXXX that I owed and then I paid off the balance what was the fee that was left. It seems like they could have told me that instead of being hateful and hanging up on me.

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 monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have documents copies of items that I requested from my Amazon account. All items that I didn't request from Amazon was kept and return back to Amazon by XXXX! Statement by SyncB/Amazon XX/XX/scrub>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 explanation