vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I tried to contact them but since my account is closed phone or email is pointless. The party it was sold to, has settled and I paid for delete. Ive mailed a letter to them and have gotten no response or update requesting a courtesy deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: AL

Complaint narrative:
I was supposed to receive a refund from XXXX, I have a previous case with CFPB, about this same thing. Cash App will not investigate properly. They keep saying they sent it successfully and will not investigate the real issue which is XXXX refunded the money but it never arrived on my cashapp account. Its been since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I financed an XXXX 'XXXX XXXX XXXX XXXX  through Affirm ( loan issued by XXXX XXXX  ) via XXXX website in XX/XX/year> for approximately {$820.00}. 

The original unit was defective. XXXX XXXX seller issued a replacement, which was delivered on XX/XX/year>. 

The replacement unit is also defective and unusable, as it continuously loses air and requires reinflation multiple times per day. 

I contacted the XXXX seller and XXXX for assistance. The seller refused further help and instructed me to contact Affirm. 

I contacted Affirm multiple times and requested that a dispute or exception review be opened for the defective replacement. Affirm representatives and supervisors refused, stating that disputes are limited to 120 days from the original loan date and that the replacement is considered a merchant-only transaction. 

Affirm issued a final denial and confirmed it would not process a dispute or exception review ( Affirm Case ID : XXXX ). 

This refusal was made despite the loan agreement containing the FTC Holder Rule notice stating that the holder of the consumer credit contract is subject to all claims and defenses the borrower could assert against the seller.

As a result, I am required to continue making payments on a loan for defective goods, with no available remedy from either the merchant or the lender. I am requesting regulatory review and assistance. 

I am XXXX and I use this product for XXXX  reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding improper handling of Private Mortgage Insurance ( PMI ) under the Homeowners Protection Act.

My mortgage loan was formally recast ( re-amortized ) in XX/XX/2025, following a lender-approved principal curtailment. As part of this recast, the amortization schedule was revised. My LTV dropped to well below 78 %.

Subsequent to the recast, my mortgage loan was transferred to a new loan servicer. Despite the transfer, the recast and updated amortization schedule remain part of the permanent loan record.

Under 12 U.S.C. 4901 ( 18 ), scheduled amortization includes an amortization schedule as modified by the lender and the borrower.

Under 12 U.S.C. 4902 ( b ), PMI must terminate automatically when the principal balance, based on the scheduled amortization ( or as otherwise modified ), is first scheduled to reach 78 % of the original value of the property.

Despite the recast in XX/XX/2025 and the existence of a modified amortization schedule, the current loan servicer failed to update the PMI termination date and collected PMI for months before transferring my loan, effectively disregarding the lender-approved re-amortization.

I have requested confirmation of the PMI termination date using the post-recast amortization schedule, but the servicer has failed to provide a legally supported explanation for continuing to rely on the original schedule.

I am requesting : 1. Written confirmation that PMI termination is being calculated using the post-recast amortization schedule, consistent with 12 U.S.C. 4901 ( 18 ) and 4902 ( b ) ; or 2. A written legal justification, citing specific statutory or regulatory authority, explaining why a lender-approved recast does not qualify as a modified amortization schedule under the Homeowners Protection Act.

3. That all PMI payments collected after the mortgage recast and LTV below 78 % date are refunded to 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 explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT 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 2026-01-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this complaint because Experian is reporting multiple charged-off accounts, late payments, and inquiries on my credit report that I believe are inaccurate, incomplete, or unverifiable. 

Charged-Off Accounts in Dispute XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$210.00} XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX XX/XX/XXXX {$640.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$560.00} Inquiries in Dispute XXXX XXXX XXXXXX/XX/XXXX Late Payments in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Resolution : I request that Experian remove any account, inquiry, or late payment that can not be fully verified, or provide documentation proving the accuracy of these items under the FCRA.

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 2026-01-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: NC

Complaint narrative:
I contacted National Debt Relief to negotiate and settle payments with 7 creditors but only 2 has been paid off since XX/XX/year>. They settled for XXXX and the other XXXX. I have paid National Debt Relief XXXX for the past 2.5 years. I am currently paying them monthly to pay only two creditors who National Debt pay one creditor XXXX and the other XXXX monthly.

I am disappointed that 4 other creditors are sitting on the program who has not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I purchased airline tickets through XXXX using my Bank of America credit card. The charge was processed in full on that date even though the booking was shown as not confirmed. The return flight segment from XXXX to XXXX XXXX was issued several days later, at which point I discovered for the first time that it was completely non-changeable and non-refundable except for taxes. 

The amount paid for the unused return flight was USD XXXX. When I contacted XXXX multiple times by online chat and email to request cancellation or change, the merchant denied my request and stated that only USD XXXX in taxes could be refunded. The merchant refused to provide any cancellation confirmation or number because they would not process a refund beyond taxes. 

I disputed the unused return flight charge with Bank of America under services not as described / material terms disclosed after payment. I provided a detailed written explanation, evidence of the merchants refusal, and documentation showing the refund limitation. Bank of America denied the dispute, stating that they could not confirm I was supposed to receive something different than what I received and that I did not provide cancellation confirmation, even though cancellation was refused by the merchant. 

I am submitting this complaint because I believe Bank of America did not fairly evaluate a dispute involving post-payment disclosure of material terms and required documentation that could not exist due to the merchants refusal.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/XXXX, a check was issued from XXXX XXXX XXXX in the amount of {$15000.00} to make a payment to my barclays XXXX credit card account. The check was sent to Barclays at XXXX XXXX XXXX in XXXX Pennsylvania. This is the address requested for payments. The check was cashed on XX/XX/XXXX, and the endorsement on the back reflects a treasury stamp that is run through Barclays. It says : XXXX XXXX XXXX  followed with a long account number on line 1. On line 2 is my account number followed by the words XXXX XXXX. On the third line or the following words, Bank Absence of Endorsement Guaranteed. The last line has Barclays XXXX. I received a copy of this check from my bank this week and sent it to Barclays on Monday, XX/XX/XXXX. 
I spoke with XXXX XXXX after Barclay told me they did not have the money and that XXXX XXXX had it and to contact them. I spoke with a XXXX XXXX branch manager in XXXX, PA, that told me that he can see the check and it is sitting in Barclays financial institution. He also explained to me that if XXXX XXXX had cashed the check, they wouldve endorsed it in the endorsement lines at the top of the check with their own stamp, and that the endorsement was a treasury stamp that is used only by Barclays.

I then called Barclays back today to ask why they are doing this, why they are not giving me credit for the money, and why theyre giving me the runaround. I gave them all the information I had just received from the XXXX XXXX branch manager. They have now escalated this and said it would take another 7 to 10 business days to determine what theyre going to do with the money.

Meanwhile, Ive been paying interest on a much larger balance since this payment was made on XX/XX/XXXX. I have demanded the payment to be posted, and I have demanded the extra interest paid on the falsely escalated amount be refunded.

I can not believe this is even happening, and I can not believe I am having to jump back-and-forth between all these big financial institutions to get my money credited and or refunded.

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 2026-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
Carrington Mortgage fail to provide with Mortgage Assistance due to my XXXX XXXX XXXX  like a Modification or other mortgage assistance due to my XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX my Cash App account was closed. I have money on that account and they are refusing to let me withdraw my funds. I have been notified to try to withdraw smaller amounts, also to wait days and try to add a different account for withdrawal. None of these solutions, they gave me worked. So many days and so much time has been wasted. I have asked to verify my identity and provide them with any paperwork needed, go verify I am me and allow me to withdraw my money to my bank account. They have continuously told me they will contact me via email to solve the issue. I have been ignored and every representation on the phone has told me that there is no way they can help me. This very disappointing and I just want my money released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
VANCE & HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE & HUFFMAN LLC 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 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal Credit Union XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account No. XXXX Formal Notice of Dispute To Whom It May Concern, I am formally disputing the accuracy and legal reporting of the above-referenced account that Navy Federal Credit Union is furnishing to the consumer reporting agencies.

This account is currently being reported as charged off with a balance of {$27000.00}. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), you are required to possess and provide competent evidence that this debt is valid, accurate, and legally owed.

I am demanding that Navy Federal provide the following : The original signed credit agreement or application A complete payment history and account ledger Proof of how the alleged balance was calculated Documentation showing Navy Federal is the legal owner of the debt Proof the charge-off was properly accounted for Evidence that this account is being lawfully reported to XXXX, XXXX, and XXXX  If you are unable to provide this documentation, then the account must be deleted from all consumer reporting agencies under 15 U.S.C. 1681s-2 ( b ).

Additionally, continuing to report a charged-off balance without proper verification constitutes willful and negligent non-compliance under 15 U.S.C. 1681n and 1681o, which exposes Navy Federal Credit Union to civil liability.

This letter serves as my formal notice of dispute. You have 30 days to either validate this account or instruct all credit bureaus to remove it.

Failure to comply will leave me no choice but to pursue all legal remedies available. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am filing this complaint regarding Synchrony Bank ( PayPal Credit ) and XXXX XXXX XXXX concerning an account that was charged off and then sold after I was effectively prevented from curing the balance. 

On XX/XX/year>, Synchrony Bank sent me a written Notice of Right to Cure Default stating that XX/XX/year> was my final day to bring the account current by paying the stated cure amount. Before that date, Synchrony locked me out of my online PayPal Credit account, removing my ability to make a payment through the normal portal. When I called customer service prior to XX/XX/XXXX, I was told I was not permitted to make a payment and that the account would not be accessible again until after the cure deadline had passed. 

Despite being blocked from paying, I mailed a certified check on XX/XX/year>, the final cure date, in good faith to resolve the stated balance. Synchrony later returned the check, claiming they could not process it and giving no clear instructions or disclosure that the account had been charged off. I later learned that Synchrony had already marked the account as charged off on XX/XX/year>, XXXX days before the written cure deadline they provided. 

After this premature charge-off, the account was transferred/sold to XXXX XXXX XXXX. Midlands own correspondence shows a chargeoff date of XX/XX/year> and identifies XXXX as the sole owner of the debt. I contacted XXXX within the dispute period and requested verification and clarification of how the account could have been charged off before the cure date and why my payment attempts were blocked. XXXX has continued collection activity and sent settlement offers, but has only provided a onepage summary and has not supplied detailed records or any explanation of why I was prevented from curing the default. 

In short, I was given a written deadline to cure the account, then blocked from paying before that deadline, my certified payment on the cure date was refused, and the account was charged off and transferred anyway. I am disputing the validity and status of this debt and the manner in which it was charged off and sold. I request that the CFPB review this matter to determine whether Synchrony Bank improperly prevented payment before the cure date and whether XXXX XXXX XXXX is attempting to collect on a debt that was not given a meaningful opportunity to be cured.

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 2026-01-09 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: GA

Complaint narrative:
I underwent emergency XXXX and was placed on medical leave. They were trying to take payment from an account where the money wasn't there yet. Because they couldn't get the money for 2 payments, they closed my account. I didn't receive anything telling me my account had been closed. I went to a doctor 's appointment and tried to use my card to pay for services it was denied. So I couldn't complete the appt. During my recovery, I had no income while waiting for FMLA and short-term XXXX benefits to begin. During this same period, the government stopped issuing payments and later experienced a shutdown, which resulted in continued income disruption. 
While I was in medical recovery and without income, Synchrony attempted to debit my checking account. The funds were not available due to the circumstances described above. Shortly thereafter, Synchrony closed my account and reported the closure in a manner that caused a significant drop in my credit score. 
I was not offered meaningful hardship assistance or review despite the medical emergency and income disruption. The account closure and reporting occurred while I was actively recovering from XXXX and without the ability to stabilize my income.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: World Acceptance Corporation
State: MO

Complaint narrative:
Thank you for your response and for confirming that World Acceptance Corporation of XXXX  is no longer furnishing my tradeline and is no longer attempting to collect the alleged debt. 

I am submitting this response as part of a new case, as my prior CFPB case number XXXX was closed. This new submission is necessary to obtain clarification and written confirmation regarding the status of the tradeline deletion on my consumer credit reports. 

Specifically, I am requesting confirmation of the following : That a formal request to remove and delete the World Acceptance tradeline was submitted to all applicable consumer reporting agencies, including XXXX XXXX, and XXXX. 

The date ( s ) on which the deletion request or update was transmitted to each bureau. 

Confirmation that the request was for complete deletion of the tradeline, not merely an update, suppression, or closure. 

While your response references consumer credit report correction as non-monetary relief and states that you are no longer furnishing the account, it does not clearly confirm that a full deletion request was submitted to the credit bureaus. Given that this matter involves disputed ownership and identity theft allegations, and that collection activity has ceased, I am requesting written confirmation that the tradeline has been permanently deleted from my credit reports. 

Please provide confirmation through this CFPB portal or in writing so I can ensure that my credit files accurately reflect this resolution. 

Thank you for your attention and cooperation.

Company response to consumer: Closed with explanation