vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
NOTICE OF WILLFUL FCRA & FDCPA VIOLATIONS Account Name : Fair Collections & Outsourcing / FCO / XXXX Related Case Numbers : XXXX, XXXX, XXXX I am filing this formal complaint against Fair Collections & Outsourcing ( FCO XXXX for taking deliberate actions to damage my credit using unreliable and unverified data. FCO is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), for failing to assure maximum possible accuracy in my consumer report. XXXX. Actions Taken to Damage My Credit ( 15 U.S.C. 1692e ) By furnishing and attempting to collect XXXX different balances within an XXXX window ( and updating credit agencies as of today ), the collector has made a false representation of the character, amount, and legal status of the debt. XX/XX/XXXX : FCO officially verified to the CFPB that a balance of {$3600.00} was accurate. XX/XX/XXXX : FCO reported a new balance of {$2200.00} to the credit agencies. Reporting a balance as " accurate '' to a federal agency on XX/XX/XXXX and then manually adjusting it by over {$1300.00} the very next day, XXXX XXXX after being confronted with video evidence of fraudis conclusive proof that this account is being used as a tool to damage my credit reputation. XXXX. Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) A furnisher is legally required to delete information that " can not be verified. '' FCOs inability to maintain a consistent balanceespecially during an active CFPB investigationproves the account lacks the necessary verification to remain on my file. FCOs own ledger confirms they applied a credit on XX/XX/XXXX, which is a tacit admission that their " verification '' sent to the CFPB just XXXX hours earlier was false. XXXX. Willful Non-Compliance and Deceptive Acts ( 15 U.S.C. 1681n & 1692e ) This fraudulent trade line has been damaging my XXXX XXXX for nearly XXXX years, dating back to XX/XX/XXXX. FCO has demonstrated a deliberate disregard for the law and the accuracy of my credit file through the following : Deceptive Representation of Debt : The moment FCO reported an amount to the credit agencies ( {$2200.00} ) that they had already admitted was different from the {$3600.00} balance verified XXXX hours prior, they committed a deceptive act. Reporting an admittedly " wrong amount '' is a direct violation of the FDCPA and has caused a XXXX injury to my XXXX XXXX. Irreparable Harm : This willful non-compliance is not a " clerical error '' ; it is a strategic attempt to collect a debt through deception. This is causing immediate and irreparable harm to my XXXX mortgage approval process as a 100 % XXXX veteran.

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 2026-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Asset Complaint Solutions
State: GA

Complaint narrative:
Car was voluntarily surrendered never receive any information if the car has been sold or how much the car has been sold for.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Checked credit report seen that I have an unauthorized account on my report that I did not give permission to use my information in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the improper denial of Public Service Loan Forgiveness ( PSLF ) credit for the period of XXXX through XXXX, during which I was enrolled in a XXXX XXXX bankruptcy repayment plan while working full-time as a public school teacher for a qualifying employer. From XXXX through XXXX : I maintained full-time qualifying public service employment I made structured monthly payments through a court-approved XXXX XXXX trustee Funds were distributed to the XXXX Department of Education My loans were not in default Payments were applied to my account Despite verified payment activity and qualifying employment, I have been denied XXXX credit for approximately XXXX months based solely on loan status coding associated with bankruptcy. This denial raises serious concerns regarding : XXXX. Whether my payments were properly credited and classified under federal servicing standards XXXX. Whether loan status codes were applied in a manner that inaccurately prevented qualifying payment credit XXXX. Whether servicer practices are consistent with the statutory intent of XXXX XXXX. Whether borrowers in XXXX XXXX repayment plans are being systematically excluded from XXXX credit despite making required payments These were not voluntary deferments or nonpayment periods. Payments were made under a federally supervised court plan and distributed directly to the Department of Education. Denying credit based solely on internal status labels, while accepting and applying payments, creates a contradiction between payment processing and forgiveness eligibility. I am requesting : A full audit of my account status coding from XXXX Documentation explaining why months with verified payments were excluded from XXXX XXXX A review of whether this practice complies with federal student loan servicing obligations Consideration of corrective action or equitable relief Given the financial and timeline impact of these XXXX denied months, I request a substantive written response rather than a generalized policy citation. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX Complaint XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
I experienced a servicing error that has negatively affected my qualifying payment timeline. My income-driven repayment recertification was completed with a stated new payment start date of XX/XX/2026. However, my servicer, Aidvantage, placed my account into forbearance effective XX/XX/XXXX, XXXX same date my XXXX payment was due. As a result, I was unable to make a qualifying XXXX payment and did not receive XXXX credit for that month. The statement I received was dated XX/XX/2026 and also stated that my new plan starts on XX/XX/2026. Never did it say that I had been placed on forbearance. My XXXX payment should count for XXXX XXXX, which as you can see from the chat with the supposed supervisor, told me it would. She clearly states in the chat that they just decided to apply my XXXX payment to the XXXX balance, which does not align with the XXXX letter I received in XX/XX/2026. They did not follow the letter they sent me and I would like to resolve this before having to take legal action. I have contacted Aidvantage by phone and chat, but the issue remains unresolved. I am deeply concerned that servicer actions outside of my control are delaying my path to forgiveness and disrupting my eligibility timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Nexus Nova LLC
State: CA

Complaint narrative:
I have a mortgage on my house with company name XXXX XXXX since XX/XX/XXXX. Suddenly on XX/XX/XXXX I found out online that XXXX XXXX changed, sold, to a new mortgage company named Rosegate without to notify me, and I found out that my mortgage monthly payment changed and increased by XXXX. I called the new company and they said it was a mistake from the old mortgage company and they fixed it and I have to pay this amount. I told them it wasn't my fault if there was a mistake, and my mortgage payment is XXXX and that is only what I will pay, that's what I've payed for the last XXXX years. They were very rude and unprofessional people to deal with, they wasted all my time on the phone. I tried to resolve this matter with them but they were unable to convince me by the amount they increased. I'm not happy to deal with unprofessional people as I'm not happy by the old mortgage company to sell my account to this new company without my permission. However my mortgage payment is {$1800.00} and that's only what I will pay. Please see the new mortgage company information below : Rosegate Mortgage , LLC ( XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Phone : 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 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a Synchrony Bank credit card account ( ending in XXXX ) through XXXX XXXX on XX/XX/XXXX to finance a mattress purchase of about {$1400.00} under a " No Interest if Paid in Full '' deferred interest promotion expiring on XX/XX/XXXX. I set up autopay for the minimum due each month to stay current. However, Synchrony made it impossible to log in to their website to track my balance, statements, or the promotional expiration date. I encountered repeated errors like " something went wrong '' and failed password resets, despite multiple attempts. This prevented me from monitoring the account and making extra payments to avoid the promo expiration trap. Additionally, the autopay amount automatically dropped from {$51.00} ( seen in earlier cycles when the balance was higher ) to {$30.00} starting around XXXX XXXX, as shown in my statements : XX/XX/XXXX statement : Previous balance {$850.00}, autopay payment {$50.00}, new balance {$800.00}, minimum due {$30.00}. XX/XX/XXXX statement : Previous balance {$800.00}, autopay payment {$50.00}, new balance {$750.00}, minimum due {$30.00}. XX/XX/XXXX statement : Previous balance {$750.00}, autopay payment {$30.00}, then a deferred interest charge of {$850.00} added, resulting in new balance {$1400.00}. This unexplained drop in minimum payments ensured the balance wasn't paid off by the promo end, triggering the full retroactive interest at 29.99 % APR on the original amountdespite my consistent payments. The statements and emails only showed the outstanding principal balance, not the accruing deferred interest or warnings about the impending charge, leading to misjudgment on my part. I paid off outstanding balance on XX/XX/XXXX, and closed the account, but the {$850.00} interest charge was unfair due to these issues. Synchrony has a history of deceptive practices with deferred interest ( e.g., CFPB 's XXXX enforcement action requiring {$220.00} XXXX in refunds for similar harms ), and this feels predatory.

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 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, i am the owner of XXXX XXXX XXXX XXXX, i have an account on Bank of America, business checking # XXXX, today XXXX XXXX of 2026 my account was put it on hold by the bank because a wire transfer payment that i am trying to do, when i get in on the branch today they said to me like my account will be closed and my money its gon na get back with me on a check, i can not wait that because i didnt do anything bad just try to send a payment to a friend ( XXXX XXXX XXXX to pay a debt, i was fully verified on the branch and i just want my money back or my account restablished i am a loyal customer and its not my fault the problems to verify info on his lines, my english its on a mdium level and i prefer to call with a translator to better assist but that mades the problem big i just need my money bank, my balance at the moment of the hold was around {$15000.00} $

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 2026-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed inaccurate information on my credit report regarding an Oportun account that was later assigned or sold to XXXX XXXX. I submitted a dispute to XXXX and requested the method of verification ( MOV ). Despite my dispute, the account was verified without providing sufficient documentation or explanation of how the information was confirmed as accurate. The account is being reported inaccurately because : The balance and status information is inconsistent The original creditor and collection reporting appear duplicative and/or improperly updated The investigation did not correct the disputed errors Under the Fair Credit Reporting Act ( FCRA ), a reasonable investigation is required when a consumer disputes information. Simply verifying the account without correcting inaccuracies or providing proper documentation does not satisfy that requirement. I am requesting that the inaccurate information be corrected or deleted and that a proper investigation be conducted in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Amount of {$410.00} disputed for unauthorized activity on XX/XX/year>. Claim reported on XX/XX/year> but appears to display as XX/XX/year> on bank account. Claim closed on XX/XX/year> with decision per bank that they determined this charge was authorized by me. Two attempted phone calls on XX/XX/year> to request additional information however bank claimed requested information is confidential for bank access only and that the case was closed based on their review of the claim. Of one of the bank recorded phone calls, they acknowledged they would send their decision by mail within 30 calendar days however that the claim decision remains closed unless I can provide more proof that it was not authorized by me beyond my claim that it was not authorized by 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 non-monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: DC

Complaint narrative:
Subject : Unauthorized Account Reopening, Withholding of Funds, and Duplicate Collection Attempt To the Consumer Financial Protection Bureau : I am filing this formal complaint against Chime Financial , Inc. and its banking partner, XXXX XXXX XXXX, regarding serious violations of federal consumer protection laws. Chime/XXXX XXXX closed my account without proper justification and failed to remit funds owed to me at the time of closure. Despite repeated requests for resolution, the company did not provide full accounting or proper disbursement of the remaining balance. Approximately one week after closure, Chime fraudulently reopened the account without my authorization. I did not request reinstatement. Following this unauthorized reopening, the company attempted to collect payment again on the same alleged obligation, effectively seeking duplicate payment. This conduct constitutes : Unauthorized account activity Potential unfair and deceptive acts and practices ( UDAAP ) Improper debt collection behavior Failure to properly close account and disburse funds Possible violation of the Electronic Fund Transfer Act ( EFTA ) Possible violation of the Fair Credit Reporting Act ( FCRA ) I have documentation reflecting settlement-related communications ( settlement XXXX XXXX XXXX ) which demonstrates ongoing dispute and unresolved handling XXXX snitch on chime. I request the following remedies : Immediate investigation of Chime and XXXX XXXX XXXX conduct. Written confirmation that the account is permanently closed. Full accounting of funds owed and immediate remittance of any remaining balance. Removal of any negative credit reporting related to this account. Written confirmation that no balance is owed. Assurance that no duplicate collection activity will occur. This matter has caused financial harm and damage to my credit profile. I request formal correction and enforcement action as appropriate. Please assist me in reporting this to the 3 credit bureaus also. They were notified the account was fraudulent and have yet to assist me in removing the account. The information across all 3 bureaus is inconsistent and therefore inaccurate. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: MD

Complaint narrative:
To Whom it May Concern, I have recently reviewed a copy of my credit report and have found some inaccuracies relating to the payment history on the account below XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX According to the FCRA 15 USC 1681e ( b ) it is your duty to assure maximum possible accuracy while furnishing my consumer report. I am requesting that you conduct a investigation pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ) Thanks so much in advanced

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 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
In XX/XX/year> my milstone master card was charged off and bought by another company so Ive been paying them off fast forward a couple months and Concora credit is still reporting missed payments and adding fees even though they have charged this account off they are now saying that the reversed this charge off and trying to get me to pay them as well as the company it was bought by Ive contacted XXXX the company that Im paying now and verified that it was bought by them back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was a fraudulent charge of {$71.00} with additional charges totaling {$200.00} that I just found out about on an old Kohls credit card that had been cut up for years. I had the card since XXXX with no late payments at all. I did not know of any charges on a credit card that I had cut up years ago. I was checking to see why my credit score went from XXXX down to XXXX. When I found out about this charge, I notified Kohls immediately & reported this charge as fraudulent. Approximately 1 year prior I had a stranger call me, I dont remember where he was calling me from, asking for my full SS & full name & DOB. I refused to give any info & asked if this line was recorded because I was calling the police to report him. To date I have contacted Kohls at the office of the president, Capitol One & heard this debt is with a 2nd collection agency. He said he could settle if I paid today XX/XX/XXXX. I told him I paid cash for my condo & my car is paid off. I pay all my bills early approx {$3500.00} per month paid in full. I told him if I made the charge I would have paid any charge in full the same month a purchase was made. I am being harrassed & sent emails to consolidate a debt. I have worked hard to keep my credit score excellent and have been trying to resolve this issue since I found out about it at the end of XX/XX/XXXX. I have spent hours on the phone with no help getting this resolved. Can you please help resolve this issue. I am trying to purchase a new home. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: GA

Complaint narrative:
XXXX XXXX has been contacting me since XX/XX/year> for the orginal creditor Uplift on my credit report it shows two different amounts for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an apartment collection account that is being reported on my credit report as unpaid. I became aware that this apartment-related debt was placed on my credit report by a collection agency. After discovering the account, I disputed the debt and requested proper validation to confirm the accuracy of the balance and the legitimacy of the collection activity. I requested documentation supporting the debt, including a signed lease agreement, an itemized statement of charges, and proof that the collection agency has legal authority to collect and report this account. To date, adequate validation has not been provided. Despite the lack of sufficient documentation, the company continues reporting this account to the credit reporting agencies. The continued reporting of an unverified debt is causing significant harm to my credit profile and financial standing. I am seeking a fair investigation into this matter and request that the company either provide proper validation of the alleged debt or immediately delete the account from all credit reporting agencies if validation can not be produced. I am requesting assistance to ensure compliance with consumer protection laws and to prevent continued inaccurate credit reporting.

Company response to consumer: Closed with explanation