vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: PA

Complaint narrative:
This fraudulent company responded to my proof of fraud by trying to have me hospitalized in a mental facility. Which of course did not work because i dont have a mental illness. What I have is proof that i did not open this loan, did not authorize it, proof that ive never resided at any of the addresses/phone numbers/emails/jobs they have listed for the applicant. Rather than properly investigate they have opted to instead attempt to hospitalize me because of the mental duress this fraud and their poor investigation causes. It is normal for anybody victim of identity theft to be stressed and very upset. This company should literally be sued AGAIN because they are a predatory fraudulent organization who thrives on attempting to extort and ruin the lives of innocent people. 

Sallie Mae heres a message to you- it wont work. I will never stop fighting this as it truly is fraud. And also heres an even bigger news flash - your subtle harassment is all being recorded. I have a record now of you literally attempting to hospitalize me. The lengths this company will go to, to avoid taking responsibility for fraud is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
CMG continues to minimize its admitted servicing failure while refusing to fully remediate the financial harm caused by withdrawing funds during my approved military deferment. My deferment was confirmed through XX/XX/year>, and principal and interest were not contractually due. Despite this, CMG drafted {$4800.00} on XX/XX/year> and applied it as a standard installment while I was XXXX overseas. This was not a harmless system oversight. It was the collection of funds during a protected deferment period. 

CMG has failed to confirm that my principal balance has been restored to the correct amount as of XX/XX/year>, failed to confirm that no excess interest was assessed or capitalized, failed to provide a corrected escrow accounting, and failed to confirm that no adverse credit reporting occurred. Instead, CMG attempts to shift responsibility by stating I did not draft a XXXX payment. That does not remedy the improper XXXX withdrawal and does not restore my loan to the condition it should have been in absent CMGs error. 

I believe this conduct reflects clear targeting and retaliation in response to my prior regulatory complaint and assertion of my rights. The withdrawal occurred after CMG was formally notified of its servicing obligations and while I was under XXXX  military protections. I further believe this action was not accidental but a willful attempt to collect principal and interest that CMG was otherwise unable to collect during the deferment period. The timing, the failure to suspend automatic drafts, and the continued refusal to fully restore the account create the appearance of intentional misconduct rather than mere negligence. At a minimum, this reflects reckless disregard for the financial protections afforded to XXXX servicemembers. As a result, I was placed at risk of overdrawing my checking account while XXXX, creating significant financial harm and unnecessary stress. 

Whether CMG characterizes this as a system issue or not, I view this as deliberate interference with an approved military deferment and retaliatory conduct designed to penalize me for asserting my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I paid this account in full in 2020 and provided Equifax and the furnisher XXXX XXXX  with receipts showing the balance was satisfied yet the account is being reported as an open collection with a balance of XXXX I have disputed this account multiple times and each time it returns with only minor cosmetic changes instead of deletion or real correction Equifax states it was verified but also states that additional information and historical account information were modified which means it was not actually verified only patched I have repeatedly requested the verification and documentation used to confirm this tradeline and none has ever been produced this account is being reported as open with a collection status code no payment terms no last activity date and only one month of history which is internally contradictory and not reasonably verifiable XXXX  deleted this same account after a dispute for inability to verify which shows the furnisher can not validate the data consistently this pattern shows defensive updating to avoid deletion while continuing to furnish inaccurate information I am requesting full deletion and proof of what was used to verify this account or removal for failure to comply with the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I recently discovered an Auto lease with American Honda Finance was fraudulently open under my name. I filed an identity theft report with FTC. Report is attached. 
Lease was opened on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
According to XXXX XXXX official website ( XXXX XXXX XXXX  ), the promotion states In-Store Only 0 % Interest. At the time of my purchase in XX/XX/XXXX, the promotion offered was for two years. The transaction was completed in store at XXXX XXXX, XXXX XXXX, where I worked with Store Manager XXXX and representatives XXXX, XXXX, XXXX, and Manager XXXX. 

On XX/XX/XXXX, I contacted Synchrony Bank XXXX XXXX XXXX Credit Card ) and was informed that they do not have my original credit application or any signed promotional agreement reflecting the terms of the financing. 

It is a fundamental consumer right to receive supporting documentation upon request. If the creditor can not produce the underlying signed agreement or promotional terms, its claims should not be enforced. I agreed in store, at the time of purchase in XX/XX/XXXX, to a 0 % interest financing plan with equal monthly payments.

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 2026-02-12 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: NC

Complaint narrative:
I am submitting this formal dispute regarding charges applied to my Rooms To Go account, financed through Synchrony Bank. The sectional purchased on XX/XX/year>, was defective upon delivery, and I acted in good faith in reporting the defects and following the merchants instructions to discard the furniture. 
The merchant failed to notify Synchrony Bank to remove the charges, and I am now being pursued for the remaining balance. This has also resulted in a reduction of my credit limit despite over 15 years of good-standing accounts with Synchrony.

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KS

Complaint narrative:
NOTICE OF INTENT TO FILE SUIT CERTIFIED MAIL RETURN RECEIPT REQUESTED Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX RE : CurrentAccount Number : UNKNOWN Previous Account Number '' [ XXXX ] | FINAL NOTICE / CEASE AND DESIST To the XXXX Department of Jefferson Capital Systems , LLC, This is my second formal notice regarding the inaccurate and unlawful reporting of the above-referenced account. 
Background of Dispute : In XX/XX/XXXX, I formally disputed a balance of {$640.00} on this account. On XX/XX/XXXX, I received a written response from your office acknowledging my dispute and explicitly stating that Jefferson Capital Systems would cease collection activity and request that the consumer reporting agencies delete this account. 
Current Violation : As of XX/XX/XXXX, the account has not been deleted. Instead, it is currently appearing on my credit report with a balance of {$780.00}, allegedly opened on XX/XX/XXXX. This is a direct contradiction of your written agreement and a violation of federal law. 
Legal Violations : Your current actions constitute the following violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation and failure to delete information known to be inaccurate.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Use of false, deceptive, or misleading representations. Specifically, reporting a balance that you previously agreed was disputed and slated for deletion.

FDCPA, 15 U.S.C. 1692e ( 8 ) : Communicating credit information which is known to be false.

Demand for Action : I am giving you ten ( 10 ) business days from the receipt of this letter to : Completely delete this trade line from XXXX XXXX, and XXXX. 
Send me a " Letter of Deletion '' confirming this has been processed. 
Notice of Legal Action : If this is not resolved within the timeframe provided, I am prepared to file a formal lawsuit under 15 U.S.C. 1681n ( Willful Noncompliance ) and 15 U.S.C. 1692k ( Civil Liability ). Be advised that these statutes allow for statutory damages, actual damages, and the recovery of all attorney 's fees and court costs. I will also be escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX  Attorney Generals Office. 
Govern yourselves accordingly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

XXXX U.S. Code XXXX - Civil Liability for XXXX XXXX, XXXX U.S. Code XXXX - Civil Liability for Negligent Noncompliance, and XXXX U.S. Code XXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA XXXX U.S.C. XXXX ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX U.S.C. XXXX ( d ) ( XXXX ). 

Accounts listed below in green XXXX highlighted and tagged as in violation under XXXX U.S. Code XXXX ( b ) billing error are inaccurate, late payment history, and must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, XXXX U.S. Code XXXX ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( XXXX U.S.C. XXXX ), And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tagged FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information must be deleted immediately!. 

XXXX Accounts listed below in yellow color highlighted as tagged as in violation of XXXX U.S. Code XXXX, Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer report. No consent is a violation of XXXX XXXX. Instruction : As a consumer, by law, this account must be deleted immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Many accounts were opened using my information associated to a different address. I need these accounts removed from my credit report. There are also numerous inquiries along with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to request a one-time humanitarian reversal of a deferred interest charge of {$1000.00} that was applied to my account on XX/XX/XXXX by Synchrony bank. 

While I am aware that the promotional period expired on that date, my family has endured extreme and compounding hardships over the last XXXX  months that made it impossible to manage the technicalities of this deadline. Specifically : XXXX XXXX : My mother was diagnosed with XXXX  XXXX XXXX. As her primary caregiver, my mental and financial resources have been entirely dedicated to her intensive care, treatments, and end-of-life planning. 

Special Needs Transition : During this same period, we had to move my autistic son into a full-time home-schooling environment to accommodate his developmental needs. This transition required an enormous amount of time, oversight, and a shift in our households ability to manage administrative tasks. 

These events created a " perfect storm '' of emotional and cognitive overwhelm. My failure to pay the final balance by the XX/XX/XXXX deadline was not a lack of intent to pay, but a direct result of these severe family crises. 

I have been a responsible customer, but I am now facing a massive interest penalty that I can not afford given our current medical and educational expenses. I am begging for a one-time " Goodwill Reversal '' of this interest charge based on these extraordinary circumstances. I have already made a good-faith effort to Synchrony bank on XX/XX/XXXX and was rejected.

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 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Citi credit card was fraudulently charged {$40.00} on XX/XX/25 at XXXX in XXXX XXXX XXXX XXXX, {$740.00} at XXXX  in XXXX, XXXX, and {$1000.00} at XXXX XXXX in XXXX, XXXX. I live and work in XXXX, XXXX  and was nowhere near these places on XX/XX/25. I asked that these charges be removed and they were temporarily, but then they were put back on my card

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 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a victim of identity theft and fraud, my personal information was stolen and this account was opened under my name without my authorization or knowledge, I am unaware of this account. Attached is the copy of my police report to proof this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
is not an accurate portrayal of my financial position

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
I got a call from a CHIME MEMBER SERVUCE AGENT saying I need to secure my account and to log in once I clicked link my phone service went and went in to SOS MODE now my money is missing out of my account and was sent to a person name XXXX XXXX.. I dont know this person. Never herd of this person but my money is missing out of my account in the amount of XXXX $ on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX address. Says the " master key is disabled ''. Can not complete transactions. 
It's the same with the other addresses in these 10 wallets using Coinbase wallet XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, ETH : XXXX, ETH : XXXX, ETH : XXXX, ETH : XXXX, ETH : XXXX, ETH : XXXX, ETH : XXXX, ETH : XXXX, ETH : XXXX, ETH : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX And yet I see very recent transactions taking place. Some even for the time I was XXXX. I just tried again today with XXXX. Failed twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding Wells Fargos prolonged restriction and pending closure of my bank account, which has resulted in {$6500.00} of my payroll funds being frozen

for over three months. The only dispute associated with this account was a {$150.00} item not received claim related to a clothing purchase. Despite this minor dispute, Wells Fargo froze my entire account balance and has repeatedly extended the account closure date in three-week increments without providing a clear explanation in writing. My employer has confirmed that my {$6500.00} direct deposit was properly issued and has not been reversed or recalled. There are no issues on my employers end. However, Wells Fargo continues to withhold access to my payroll funds while stating that the account is under investigation. It has now been over three months with no final resolution, no written explanation detailing the reason for the continued hold, and no definitive date for release of my funds. Each time I contact Wells Fargo, I am given another future date, which is then extended again. I am requesting : A clear written explanation for the extended investigation. Confirmation of whether there is any legal or fraud hold beyond the {$150.00} dispute. Immediate release of my remaining balance if no legal restriction exists. A firm and final account closure date. Holding {$6500.00} in payroll funds for over three months due to a {$150.00} dispute appears excessive and unreasonable. I am requesting prompt regulatory review and assistance in resolving this matter.

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