vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
In XX/XX/XXXX I was furloughed due to the federal government shutdown. I contacted Freedom Mortgage immediately and was approved for a XXXX XXXX effective XX/XX/XXXX. Despite this, Freedom Mortgage reported me XXXX days past due to all three credit bureaus, dropping my score XXXX points. On XX/XX/XXXX they approved me for a Standalone Partial Claim and a Trial Payment Plan. I have made all trial payments on time and am in full compliance. My XX/XX/XXXX statement simultaneously shows a Mortgage Assistance Program notation and a XXXX delinquency a direct contradiction. Freedom Mortgage is a CFPB-documented repeat offender currently under a XXXX consent order for data reporting violations. The delinquency reflects payments suspended under an approved forbearance due to a government furlough, not voluntary non-payment. I have filed disputes with all three credit bureaus and submitted a RESPA Qualified Written Request to Freedom Mortgage. The inaccurate reporting has not been corrected.

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 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
sent at least 5 letters 1 every month since XXXX Despite sending multiple dispute letters, the company continues to respond with the same generic account summaries and has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). They have not provided competent evidence of the debt, only internal summaries, which do not constitute proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a targeted promotional offer via email for a {$70.00} reward certificate after spending {$2000.00} or more outside of Best Buy using my My Best Buy XXXX card between XX/XX/year>XXXX and XX/XX/year>. I also received multiple reminder emails encouraging me to complete the required spending. I completed over {$2000.00} in qualifying purchases outside of Best Buy on or around XX/XX/year>, within the promotional period. Based on the terms, the reward certificate should have been issued within 34 weeks after the purchases were posted. As of late XXXX and early XX/XX/year>, I had not received the {$70.00} reward certificate. I contacted Best Buy customer support multiple times and also contacted Citibank, the card issuer. Two separate escalations were opened ( case numbers XXXX and XXXX ), but both were denied because they stated the promotion could not be located in their system. Despite this, I have clear documentation of the original promotional email and reminder emails sent to me. This indicates that the offer was made to my account, and I completed the required spending in good faith. This appears to be a system or tracking issue between Best Buy and Citibank. I am requesting that the promotional offer be honored and that the {$70.00} reward certificate be issued, or that an equivalent credit be provided. I made multiple good-faith attempts to resolve this directly with the companies, but the issue remains unresolved.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I received notification emails from Wells Fargo stating that my account had been closed. However, no clear explanation or reason was provided in those communications. Concerned and confused, I contacted Wells Fargo directly to understand the situation. During my call, I was informed that there were transactions on my account that were deemed suspicious. I want to clearly state that I did not authorize these transactions under any circumstances. I immediately expressed that I was a victim of fraud and requested to file a dispute regarding the unauthorized activity. Unfortunately, the representatives I spoke with were rude and dismissive. I did not feel that my concerns were taken seriously, and there was a lack of empathy and professionalism throughout the interaction. This experience has caused me significant emotional distress, as I have lost access to my funds without proper explanation or support

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 2026-04-06 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: NM

Complaint narrative:
Made purchase on online shopping website. Website was a scam and they charged my card without sending me the items I purchased. Reported the store to the FTC. Want the charge refunded on my bank of america checking account. The charge was for {$21.00}. Already contacted online store website. They won't refund money and store owner sent bogus reply. They shut down the website and took offline. Want my money refunded to my account. Thank you.

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 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX = monthly amount due XXXX at 35.25 % interest. Loan term length : 36 months Each payment I've made since receiving this loan in XX/XX/XXXX, is being applied to interest and not the principle balance. Most recently I made a payment for XXXX on XX/XX/XXXX. Only XXXX of that payment was applied to the balance, the other 85 %, XXXX, was applied to interest. I've contacted Onemain several times regarding this matter and was told that the amounts reflected are correct, although they're collecting way more than 35.25 % in interest. I was also told that I have to specifically request the payment amounts be applied to the principal balance and not the interest. At the rate I'm being charged, it is impossible for me to pay off the loan provided in the term length agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Follow-up to CFPB Complaint # XXXX I am submitting this follow-up because Southwest Credit Systems, L.P. ( SWC ) has still not provided complete validation of the {$440.00} XXXX debt ( account XXXX ) and has not deleted the collection from my credit reports. On XX/XX/XXXX, SWC responded to my original complaint and stated the debt is valid. They attached only two billing statements ( XX/XX/XXXX and XX/XX/XXXX Disconnect Notice ). These documents do not fully validate the final balance of {$440.00}. On XX/XX/XXXX, I sent SWC a detailed written dispute ( attached ) requesting : A complete itemized statement and audit trail showing exactly how the {$440.00} was calculated Documentation for the early termination fee and remaining XXXX Assistance Plan installments Confirmation of equipment return status ( serial numbers XXXX and XXXX ) I have received no response from SWC to this dispute letter as of XX/XX/XXXX. They continue to treat the debt as valid and have not marked the account as disputed or deleted it from my credit reports. Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), SWC is required to provide complete validation when requested. They have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My wife got a care credit card through Synchrony bank. I was making the monthly payment. I paid far beyond the minimum payment due each time. Except XXXX time and I made the minimum. They text reminders and I paid far beyond their minimum. After talking with the company, they stated my minimum would have to be almost twice as much to avoid the promotional end charges ( predatory period ). They added XXXX dollars to the account balance. Putting the account in over balance. They also charge 39 % interest. So no matter how much of their specified minimum payment was, it sets you up for the predatory lending that they call promotional. I would have paid the payment to pay the promotional period off. But they did not make it clear to my wife it was only promotional, they didn't make it clear that the minimum payment they specified wasn't going to be enough to avoid the predatory lending fees. The card company was deceptive about the minimum payment, because I always paid more. The minimum payment was less than XXXX XXXX according directly to the card company. I always paid more at least XXXX XXXX. After talking with the customer service agent, I was told the minimum should have been over XXXX XXXX to pay it down. I was attempting to pay the card off in good faith. They didn't disclose the real minimum payment to keep the charges from happening. A trap. A predatory trap. Synchrony bank was deceptive to say the very least. Likely criminal

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 2026-04-06 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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I am filing this complaint against Affirm regarding a collection account being reported on my credit report. On or about XXXX XXXX XXXX I sent a written request for validation of the alleged debt. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any response or documentation validating this debt. Despite failing to provide validation, Affirm continues to report this account to the credit bureaus. This constitutes continued collection activity without proper validation and raises serious concerns regarding the accuracy and legality of the reporting. On XXXX XXXX XXXX I sent a follow-up letter requesting deletion of this account due to the failure to validate the debt. Affirm has failed to respond to this request as well. Affirm has not provided : * Any proof that I have a legal obligation to pay this debt * Any documentation showing the origin of the account * Any evidence that they have the right to collect or report this debt Their continued reporting of this account without validation is misleading, potentially inaccurate, and in violation of federal law, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Community Health Investment Company, LLC.
State: IN

Complaint narrative:
I was in XXXX for XXXX days and received over a XXXX in bills. Called this company and set up payment plan but after a few payments they quit sending me a bill. Just found out they contacted credit reporting bureaus and my credit dropped XXXX points. I made all of my payments when I received a bill and only owed {$140.00}. Made my XXXX payment and never received another bill or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2026-04-06 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: NV

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 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am submitting this complaint regarding what I believe to be an unfair and potentially unlawful denial of credit in connection with an auto loan application. On or about the date of my application, I applied for vehicle financing through EXTER FINANCE LLC for the purchase of a car from XXXX XXXX XXXX. I later received an Adverse Action Notice stating that my application for credit was denied. The reasons listed included failure to meet a required 10 % down payment, excessive or recent delinquency on an open auto loan, the amount financed exceeding the lenders limits, and the number of derogatory accounts being too high. I dispute this decision and believe that I was denied access to my own credit under circumstances that may violate federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). I have reason to believe that the information used to evaluate my application may be inaccurate, incomplete, or improperly reported. Additionally, the requirement of a 10 % down payment raises concerns about whether fair lending standards were properly applied. As a consumer, I have the right to accurate credit reporting, fair consideration in lending decisions, and clear, truthful explanations for adverse actions. I am requesting a full investigation into this matter, including : Verification of all information used to deny my credit application Disclosure of the specific consumer reporting agency and data relied upon Correction or removal of any inaccurate or unverifiable information A reassessment of my application if errors are found I am seeking accountability, correction of any errors, and assurance that my consumer rights have not been violated. This denial has impacted my ability to obtain reliable transportation and has caused financial and personal hardship. I appreciate your prompt attention to this complaint and request a timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — VA 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: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I hold a XXXX mortgage serviced by CMG Financial and subserviced by XXXX XXXX XXXX I am an XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and unable to communicate by telephone. All servicing matters must be handled in writing. XXXX XXXX has a documented history of blocking and mishandling principal curtailment payments on this account. In XX/XX/XXXX, I submitted an additional principal-only payment that XXXX held in suspense rather than applying as directed. The effective date of that payment was subsequently shifted without my authorization. XXXX has also repeatedly blocked my online portal access for principal-only payments, offering shifting and contradictory written justifications each time I have raised the issue. These actions violate 38 C.F.R. 36.4323 and VA XXXX XXXX, which protect a VA borrower 's unconditional right to make additional principal payments at any time without penalty, condition, or restriction. I now wish to submit an additional principal-only payment of {$7400.00}, effective XX/XX/XXXX. However, given XXXXXXXX XXXX prior conduct, I have reasonable cause to believe this payment will again be misapplied, held in suspense, or used as a pretext for further adverse action. I am therefore submitting this complaint through the CFPB portal before remitting funds, so that regulatory oversight is in place prior to the payment being received by XXXX. I am not withholding payment in bad faith. I am withholding payment pending written confirmation from XXXX because their prior retaliatory conduct has made it necessary to create a documented record before submitting any additional funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: PA

Complaint narrative:
I initiated an international remittance transfer through your platform on XXXX XXXX XXXX, for an amount of {$5000.00} to an XXXX bank account. Transaction Details : Transaction ID : XXXX Amount Sent : {$5000.00} Expected XXXX Amount : XXXX Current Status : In Process ( as of XXXX XXXX XXXX ) Despite multiple follow-ups, the transaction remains incomplete. I was initially informed that the transfer would be settled by XXXX XXXX XXXX. Subsequently, revised timelines of XXXX XXXX XXXX and then XXXX XXXX XXXX were provided. However, the funds have still not been credited to the recipients bank account. I have contacted customer support several times, but I have not received a clear explanation or a definitive resolution. This is highly concerning, as a significant amount of money remains unaccounted for. I request your immediate attention to this matter and ask that you take one of the following actions without further delay : Immediately complete the transfer and credit the funds to the recipients bank account, OR Initiate a full refund of {$5000.00} back to my original account

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
I received a debt collection notice from Jefferson Capital Systems LLC dated XX/XX/year> claiming I owe {$410.00} for a XXXX postpaid account ( JCS Reference Number XXXX, account number XXXX ). I have never had a XXXX postpaid account. This debt does not belong to me. I am disputing this debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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