vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2026-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Management, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I disputed account # XXXX with A-1 Collection Agency, demanding that they provide me with proof to support the {$1200.00} debt they claim I have with their company. On XX/XX/XXXX, A-1 Collection Agency reported this account had been verified, but to this day this company has failed to provide any documentation or competent relative information to legally support their claim. Additionally, I This is really having a negative effect on my livelihood and quality of life. 

Despite my efforts to resolve this matter directly with A-1 Collection Agency the issue has not yet been resolved. They have failed to provide any competent information to support this claim and they continue to engage in the same predatory conduct. I believe this behavior violates consumer protection laws pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), the furnisher was legally required to conduct a reasonable investigation and report the results within the statutory timeframe. Their failure to respond constitutes a failure to investigate. 
Because no verification was provided within the time allowed by law, the continued reporting of this account is inaccurate, unverifiable, and unlawful. As such, you are required to DELETE this account immediately from my consumer file. 

Any attempt to continue reporting this account, or to reinsert it without proper certification as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), will be considered willful noncompliance and negligent violation of federal law.As a result of this issue, I have suffered the following harm ( s ) :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This complaint is an escalation following a prior dispute. The furnisher updated the date of delinquency but failed to correct the underlying inaccuracy.

The original landlord issued an Eight Day Notice to Pay Rent or Deliver Possession dated XX/XX/year>. That notice clearly states that eviction proceedings would only occur if rent was not paid OR possession was not delivered. 
I delivered possession of the premises on XX/XX/year>. XXXX were surrendered, management was notified in writing, and possession was returned. Under the landlords own notice and Florida law, surrender terminated the tenancy and any ongoing rent obligation. 
Despite this, National Credit Systems continues to report a collection account related to this tenancy. This reporting is inaccurate because the account should have been closed and resolved as of the surrender date. Changing the delinquency date does not correct the error ; the presence of the account itself is inaccurate. 
The Fair Credit Reporting Act requires furnishers to report information that is complete and accurate. Reporting a collection based on a tenancy that was terminated by surrender misrepresents the legal status of the account. 
I am requesting full deletion of this tradeline, as partial corrections do not resolve the inaccuracy and continue to cause harm, including repeated housing denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am a protected veteran submitting this complaint regarding inaccurate and harmful credit reporting by Mr. Cooper, formerly XXXX XXXX, related to a mortgage loan that was transferred for servicing effective XX/XX/year>. 
I experienced a severe financial hardship due to divorce, which ultimately resulted in the sale of the home. Despite the sale and hardship circumstances, late payments and derogatory information continue to be reported. These entries are materially damaging my credit profile and are directly preventing me from obtaining safe and stable housing. 
I contacted XXXX XXXX  regarding these inaccuracies and was formally advised by the XXXX XXXX XXXX XXXX that they no longer service the loan and that all matters must be addressed with Mr. Cooper. 
This confirms Mr. Cooper is the responsible furnisher and servicer for the reporting in question. 
Discrepancies Identified : Late payments reported during or after the servicing transfer period, despite federal protections under RESPA. 
Failure to properly consider hardship, divorce, and home sale circumstances when furnishing information. 
Continued reporting of adverse information that is misleading, incomplete, and harmful. 
Applicable Laws and Violations : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Furnishers must report information that is accurate, complete, and verifiable. Reporting late payments without full context or verification violates 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ).

Real Estate Settlement Procedures Act ( 12 U.S.C. 2605 ) : During a servicing transfer, payments received within the 60-day window may not be treated as late. Any reporting that contradicts this protection is unlawful.

CFPB Mortgage Servicing Rules ( Regulation X, 12 C.F.R. Part 1024 ) : Servicers must exercise reasonable diligence and error resolution when disputes are raised. Failure to correct or investigate constitutes noncompliance.

Servicemembers Civil Relief Act ( 50 U.S.C. 3901 et seq. ) : As a protected veteran, I am entitled to enhanced consumer protections against actions that materially harm housing stability.

Fair Housing Act ( 42 U.S.C. 3604 ) : Reporting practices that effectively block access to housing may constitute discriminatory impact.

Attorney General Basis for Enforcement : The continued furnishing of unverifiable and harmful mortgage data constitutes unfair and deceptive acts and practices. This conduct warrants investigation and enforcement under state and federal consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX  Request for Investigation  Hazard Insurance Policy & Adjuster ConductXXXXPolicy No. XXXX XXXXTo Whom It May ConcernXXXX am submitting this formal complaint regarding improper charges to my mortgage accounts related to hazard insurance coverage. I currently maintain two (2) mortgage loans with JPMorgan Chase BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX have maintained continuous and adequate homeowners insurance coverage through XXXX  Insurance (The Members Insurance Company, XXXX XXXX). My Homeowners Declaration Policy, XXXX XXXX XXXX XXXX was issued by my agent at XXXX XXXX XXXX XXXX XXXX and remains active from XXXX  through XXXX No claims have been filed, and at no time has there been a lapse in coverage.\nDespite this, Chase Mortgage charged my accounts for what was described as expired hazard insurance, subsequently applying a lender placed premium totaling XXXX for the period XXXX to XXXX. These charges were deducted from my mortgage payments even though proof of continuous coverage was available and on file.XXXXMy insurance agent, XXXX XXXX XXXX (Agency XXXX XXXX  at XXXX  Insurance, has been provided with all relevant documentation, including proof of continuous coverage and a statement of no loss as of the date of this letter for both properties that I own with the enclosed account number. My agent can be reached at XXXX or XXXX XXXX XXXXGiven the above, I respectfully request:XXXXtA full investigation into why Chase Mortgage assessed hazard insurance charges despite active coverage.XXXXA full refund of the lender placed insurance premiums totaling XXXXVerification that there is no confusion between my two adjacent properties located at XXXX  and XXXX XXXX XXXX XXXX which may have contributed to this error.XXXXThank you for your prompt attention to this matter. I look forward to a timely resolutionXXXXSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Account : Spending Account XXXX XXXX I opened an Ally Bank Spending ( checking ) account on or about XX/XX/XXXX under a promotional offer that advertised a {$300.00} cash bonus for meeting qualifying deposit and/or activity requirements within the specified time period. 

I carefully reviewed the promotion terms and completed all required qualifying activity, including the required deposits and maintaining the account in good standing. The account has remained open, active, and in compliance with all stated conditions. 

Based on the promotion terms, the {$300.00} bonus should have been credited after the qualifying period and statement cycle were completed. As of XX/XX/XXXX, the bonus has not been posted, despite sufficient time having passed. 

Since opening the account, I have monitored my transaction history and balances closely. My records show that all required deposits were made, funds were successfully credited, and the account remained active and in good standing throughout the qualifying period. 

There have been no overdrafts, account restrictions, or violations of the promotional terms. The bonus simply has not been credited as promised. 

I did not request additional information from Ally Bank because the promotion terms were clear and I expected the bonus to post automatically once the requirements were satisfied.

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 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im getting called repeatedly, texted and even emailed daily. Im getting calls with false caller ID names. For example XXXX XXXX XXXX XXXX XXXX, but its the same debt collector that just called from the company 's name listed on the caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Capital Ones mishandling of a credit card dispute involving a merchant, XXXX XXXX, which has resulted in financial harm to me. 

Timeline of events : XX/XX/XXXX : I contacted XXXX XXXX to request a return and refund after receiving a ring that was materially different from the product advertised. 

XX/XX/XXXX : I provided photos documenting the defects and discrepancies. 

XX/XX/XXXX : XXXX XXXX approved the return and instructed me to ship the item back for a refund. 

XX/XX/XXXX : I returned the item via XXXX and provided the tracking number to the merchant. The package was successfully delivered. 

XX/XX/XXXX : After the merchant failed to issue a refund, I notified them that I would escalate the issue through my credit card issuer. 

XX/XX/XXXX : XXXX XXXX informed me in writing that because a dispute/chargeback had been opened, the funds had already been removed from their account and that the refund would need to be handled by my financial institution. 

XX/XX/XXXX : I reminded the merchant that Capital One stated the merchant was responsible for issuing the refund. XXXX XXXX again confirmed that the chargeback was still pending and that they could not refund me while Capital One was holding the funds. 

Capital One has told me that the merchant must issue the refund. The merchant has provided written confirmation that they can not refund me because Capital One is still holding the disputed funds. As a result, I am caught between both parties, with neither taking responsibility. 

I complied fully with all dispute and return requirements. I no longer have the product and have not received my money back. 

I have written documentation from XXXX XXXX confirming that they are unable to issue the refund due to Capital Ones handling of the chargeback XXXX XXXX XXXX. Despite this, Capital One has not resolved the dispute or issued reimbursement.

This reflects a failure in Capital Ones dispute resolution process. A consumer should not lose both the merchandise and the funds due to internal miscoordination between a bank and a merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Sezzle Inc.
State: AR

Complaint narrative:
Sezzle withdrew money from my bank account for disputed and excessive fees after I refused to pay them. The withdrawal caused my account to go into overdraft and resulted in financial harm. I was unable to stop the debit, and the fees were unreasonable compared to the original purchase. I am requesting a refund of the fees, reversal of the debit, and removal of any overdraft-related charges caused by this withdrawal. The amount I was supposed to pay was {$5.00}, instead I was charged and added {$17.00} and {$7.00} fee on top of that for late and failed payment. This was due on the XXXX XXXX XXXX, which I was unable to pay due to the big snow storm hitting and being unable to go anywhere, as well as the power outage due to that. I had emailed and told them this just to be ghosted and a forced payment went into my account which put me into overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a {$100000.00} CD with Synchrony Bank in XXXX XXXX. I asked over and over for them to never send anything in the mail, online/paperless only. This was due to the horrific loss of mail that has occurred at the XXXX XXXX  XXXX XXXX where I live. Getting into the wrong hands could have very, very serious consequences. 
They never got it. I received mailings that included my account number and the last digits of my XXXX account. 
No way was I going to continue having the possibility of my identity and account stolen. I called to close it out. They charged me a penalty {$870.00}. I want this money reimbursed Thank you for your consideration

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 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN SHOULD BE INVESTIGATED FOR POSTING FALSE INFORMATION REGARDLESS OF PROOF SENT OTHERWISE. EXPERIAN IS POSTING FALSE, FRAUDULENT INFORMATION TO MY CREDIT DESPITE THE PROOF OF DISPUTE I SEND. I BELIEVE THE MERCHANT IS PAYING EXPERIAN TO KEEP FALSE INFORMATION ON CONSUMERS CREDIT REPORT. THIS NEEDS TO BE INVESTIGATED. I WANT TO FILE A COMPLAINT AGAINST EXPERIAN.

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX created fraud against my company through the reoccurring payment process. When a customer card has a hard decline XXXX allows the XXXX to retry the customer card XXXX more times after first decline. This has cause my company charge backs and XXXX placed my company illegally on XXXX XXXX when XXXXXXXX XXXX  XXXX created the fraudulent charges. XXXX authorized the payments as if XXXX XXXX XXXX process the payment. By FTC rules XXXX did not have no right to process any payments as if they are 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
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
Velocity Investments received funds originating from a XXXX account that was opened using my personal identifying information without authorization. Those funds were then used in an attempt to manipulate my credit profile by making payments through an unauthorized settlement arrangement involving XXXX XXXX XXXX, which withdrew funds from the XXXX account that has since been confirmed as fraudulent.

Any alleged communications, negotiations, or authorizations attributed to XXXX XXXX XXXX were unauthorized. I did not authorize XXXX XXXX XXXX to act on my behalf or to negotiate, settle, or make payments related to these accounts.

Any payments Velocity reported as made to XXXX XXXX XXXX  or related entities are false and unauthorized. Those payments did not originate from any legitimate account under my control. " See XXXXXXXX XXXX Fraud Conclusion Attachment ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: GA

Complaint narrative:
On XX/XX/year>, I applied to be enrolled in an income-driven repayment plan for my student loans, taken out to attend law school. That application is attached. At that time, I also attached my paystub from my new job as proof of income - indeed, I was specifically waiting on the paystub to apply. My loan servicer is Edfinancial. 

Later, in early XXXX, Edfinancial called me asking for proof of income. I asked how to provide it ; Edfinancial provided an email address ; I promptly obliged, emailing a copy of my paystub to that address. I continued to irregularly call Edfinancial to check on any progress, but none was ever made. I receive wildly incorrect information on certain calls from some representatives, as documented in the spreadsheet below, but other Edfinancial representatives were much more competent and helpful. But, no calls led to the processing of my application. 

On XX/XX/XXXX, I receive the attached letter from Edfinancial that my income-based repayment plan application was denied because it had been over 90 days since it was signed, or it was unsigned. As is clearly seen from the attached application, this was blatantly untrue- it is clearly signed on XX/XX/XXXX, and 90 days thereafter would have been XX/XX/XXXX. It had been signed within 90 days on XX/XX/year>, when that letter was received. 

Despite Edfinancial 's mistake, I submitted another income-based repayment plan application promptly on XX/XX/year>. I am later contacted by Edfinancial saying that they now need me to specify my pay frequency, although my provided paystub shows my hours worked per pay period to amount to twice a typical workweek - hence, it should be obvious I am paid biweekly. But I of course oblige, and promptly send multiple, consecutive paystubs to the provided email and express that I am paid biweekly ( as proven by those consecutive paystubs ).

In subsequent calls to Edfinancial, as I have noted in the attached spreadsheet, they have expressed that I have provided all necessary information for them to process my application. Yet, still they have not managed to do so. In the meantime, on XX/XX/XXXX, I was enrolled in a standard repayment plan. Edfinancial, in short, has consistently failed to perform its federally required duty : enrolling a qualifying debtor with federal student loans in an income-based repayment plan. Instead, it has used flimsy requests for further information and an obviously erroneous denial of my first application ( based on a 90 day period that had clearly not elapsed ) to justify its failure to fulfill its federal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio recovery is currently suing me in the state of Missouri but are reporting inaccurate information to the Credit Bureaus. Im trying to get the case dismissed as they used an affidavit from a PRA employee with i put a motion to strike that evidence. I did notify the Missouri attorney generals office and a XXXX XXXX said she sent information to the Credit Bureaus. I think thats it's wrong for these companies to sue while they are breaking Federal and state laws. Information they sent to credit bureaus is in accurate or missing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX  SHOULD BE INVESTIGATED FOR POSTING FALSE INFORMATION REGARDLESS OF PROOF SENT OTHERWISE. XXXX IS POSTING FALSE, FRAUDULENT INFORMATION TO MY CREDIT DESPITE THE PROOF OF DISPUTE I SEND. I BELIEVE THE MERCHANT IS PAYING XXXX  TO KEEP FALSE INFORMATION ON CONSUMERS CREDIT REPORT. THIS NEEDS TO BE INVESTIGATED. I WANT TO FILE A COMPLAINT AGAINST 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 non-monetary relief