vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MO

Complaint narrative:
I am filing a complaint regarding an inaccurate and invalid collection account being reported on my credit file. The alleged debt arises from a residential lease in Maryland that was lawfully terminated due to unsafe and uninhabitable living conditions. The landlord failed to maintain the property in a safe and habitable condition, including ongoing pest infestations, safety incidents, and property damage. I provided written notice on XX/XX/year>, followed by a formal legal notice on XX/XX/year> citing Maryland XXXX XXXX XXXX XXXX XXXX. Despite these notices, the landlord failed to remedy the conditions. Due to these violations, I lawfully terminated the lease effective XX/XX/year>, and vacated the property. All rent obligations through that date were paid in full. Despite this, the landlord or its agent has placed a collection account on my credit report for alleged lease-related charges that are not legally enforceable. I have disputed this account and requested validation. The debt collector is continuing to report it despite the underlying claim being invalid. I am requesting : 1. Immediate deletion of this collection account from all credit reporting agencies. 2. Confirmation that the debt collector has ceased all collection activity. 3. A full investigation into the accuracy and legality of this reported debt. I have documentation supporting my position, including written notices, evidence of unsafe conditions, and proof of payment through the date of termination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX a purchase was made on an account that was opened in my name against my knowledge. I have since disputed this transaction with the company and been denied twice. The purchase was made at a store in a state I have never been to. I wish to have this dispute settled in my favor as I did make this purchase.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: FL

Complaint narrative:
ISSUE : Violation of Regulation E - Failure to Fully Resolve Error on Claim This complaint concerns my XXXX XXXX debit card which is issued and managed by comerica bank On XX/XX/XXXX, three unauthorized ATM withdrawals occurred on my account. I filed a dispute, and XXXX XXXX admitted the fraud by refunding the {$680.00} principal. However, they failed to refund the three ( 3 ) associated ATM fees of {$0.00} each on XX/XX/XXXX that were triggered by these fraudulent transactions. Under 12 CFR 1005.11 ( Regulation E ), a financial institution is required to correct an error by crediting the consumers account for the full amount of the unauthorized transfer, including any fees that resulted from the unauthorized transfer. By withholding the fees while admitting the fraud, Comerica Bank has issued an " under-credit '' and failed its legal obligation to make the consumer whole. I have spoken to multiple representatives who claim they " don't have an option '' to refund these fees, which indicates a systemic failure to comply with federal error-resolution requirements. I demand a refund right now the correct amount. You guys gave me a credit permanently of {$680.00} but you refuse to refund the ATM fees. I am owed {$2.00} which covers the three ATM fees that should have never been taken from my account because I never performed the transaction myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Perpay, Inc.
State: MO

Complaint narrative:
Prepay Inc, was included and discharged in bankruptcy on XX/XX/year>. They are still waiting reporting as derogatory on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This letter is to report IC System stole my identity, my social security number and made a wrongful, fake collection. I found out this collection through the credit bereau. This is inaccurate reporting and collection. The collection is for something called mailbox forwarding allegedly opened on XX/XX/year> in the false amount of {$1600.00}. This debt does not belong to me because I never opened any accounts with either company. IC System didn't provide me any required proof in writing to validate the debt. This is fraud and major violation against the law. IC System made an invalid and false fraudulent reporting to my credit reporting. This is illegal reporting practices and IC System must be under investigation for misrepresenting and reporting an invalid debt.

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 2026-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
On Monday, XX/XX/XXXX I contacted Penny Mac to get information to file my taxes for XXXX. I requested the XXXX for Loan Number XXXX ( property address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ). I was awarded this home almost 3 years prior in my divorce. I was on title to the property but not the note initially. Once my divorce was final I was required to send in my divorce degree to show I was awarded the home, and I did that. I was able to access this account from XXXX until I assumed the loan in XXXX. When I called Penny Mac for the 1098 for the home for XXXX they told me I had no access to this information as I wasn't on the loan. I explained the situation and the divorce as well as told them I had sent my divorce decree in almost 3 years earlier, and had access to that account up until this point. The person in servicing told me that was inaccurate. I asked for a supervisor who also continued to tell me I had no access to this loan I have been awarded, paying on, and getting statements for almost 3 years. He told me it was illegal for him to give me that information. I questioned him on this, asking if they were doing something illegal the past three years because I had access to the account up until I assumed it. This was not a good conversation, and in the end they wouldn't give me the 1098 I needed to file my taxes. It's my understanding that I am a successor in interest under the Garn-ST. Germain Act. I was awarded this home in my divorce, and that due to this I am to receive the same information as a borrower would receive, to include the 1098 for the home I paid the mortgage for. It's also my understanding that since XX/XX/XXXX, the CFPB rules require mortgage services to treat a " confirmed successor in interest '' as a borrower for purpose of most mortgage servicing requirements and the fact that I'm not on the note DOES NOT strip me of my right to access the account information as the legal owner of the property. They provided me the information for almost 3 years and now they are telling me it's illegal to give me information on my home. I need my 1098 to complete my taxes and this could cause me to have to file an extension to my taxes, as well as additional interest I may be liable to pay because I can not access the 1098 I am entitled to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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:
On XX/XX/year>, creditor company responded to my filed complaint. Stating the debt does not belong to them. However, This information is inaccurately reported on my credot report & I am requesting IMMEDIATE DELETION without further notice upon this investigation due to them not willing & able to show proof of verification or validation of this debt.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
" On XX/XX/year>, I sent XXXX USD equivalent in cryptocurrency to my XXXX XXXX account Transaction ID XXXX. From XXXX To XXXX The transaction was confirmed and successful on the sender 's side. However, the funds never appeared on my PayPal balance. I contacted PayPal support via phone to resolve this. The representatives explicitly stated th ey would not credit the XXXX XXXX because they 'do not accept USD ' for this specific crypto transaction, even though the assets were already successfully received by their system. Crucially, they also flatly refused to return ( refund ) the money to the original sender 's wallet. Currently, PayPal is withholding XXXX XXXX of business assets without legal grounds, refusing both to credit the account and to issue a reversal. I demand an immediate credit of these funds to my LLC balance or a full refund to the original wallet. I sent XXXX XXXX in cryptocurrency specifically to settle a pending balance of {$350.00}. PayPal 's system confirmed the transaction, but failed to apply the funds to the debt. Instead of crediting my payment, PayPal assigned the debt to a collection agency XXXX XXXX XXXX XXXX XXXX ). I have already paid more than the amount owed, yet I am being harassed by collectors due to PayPal 's internal processing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I was scammed by someone on XXXX who offered an item for sale and requested payment through Zelle. I sent two payments of {$120.00} on XXXX each using Zelle through my XXXX account, but I never received the item. I contacted XXXX Zelle and XXXX immediately to report the scam, but Zelle said they could not dispute the payments because they were authorized, and XXXX refused to open a fraud claim or provide a case number. After sending the payments, I contacted the person who actually received the funds, and he informed me that he was not the seller and that someone else had sent the money to him ; he lives in XXXXXXXX XXXX The person who contacted me to sell the item claimed to be local but appears to be located in XXXX, which shows intentional misrepresentation and fraud. I have screenshots of XXXX messages, Zelle payment confirmations, and my communications with Zelle and XXXX. I am requesting that XXXX investigate this as fraud, document the issue, and take appropriate action to attempt recovery of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I paid an autoloan off as of XX/XX/year>. I was advised to pay a certain amount and was advised that the balance was XXXX after the final payment was credited to my account and that the title would be sent out 4-6 weeks from that date. It is now XX/XX/XXXX and I have not received the title. When I called the number the recording stated that the my auto loan was past due????????? When I was transferred to a representative I was advised it was becuase of a {$78.00} late charge. WHAT???? I have never received communication regarding this. NOT ONE BILL. NOT ONE PHONE CALL. When I spoke to the representative on XX/XX/XXXX, they advised that the late fee was waived. CONVENIENTLY NOW when I want my title it's being held because of a late fee that should have been waived. And the icing on the cake is that I am being erroneosuly reported to the credit bureau for being late and not even being aware of it. I could have resolved any issue earlier if I have received any type of communicaiton regarding this. This is fraud and terrible business. Citizen 's Bank for auto loans is horrific and I would advised anyone against using them. The fact that now I am being reported as past due for something I do not owe is beyond frustrating and fraudualent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited cash into the ATM.. The ATM jammed and did not return all the cash, nor did it deposit the {$240.00}. Some money was crinkled like the machine had jammed. ATM had an error message that it was unavailable/ not working. So, I went to the second ATM and was able to deposit {$100.00}. The bank should have video of me handling the cash. I filed a claim with Wells Fago immediately. Claim number XXXX. They denied the claim. They are taking the provisional credit out of my accounton XX/XX/year>. I've been a customer for over 20 years. I'm upset that I'm losing {$240.00} that I need for bills and medical appointments.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My {$8700.00} federal tax refund was sent to a closed bank account and automatically returned to the IRS on XX/XX/year>. The bank confirmed the return but refuses to provide formal documentation. The IRS has stated they have not received the refund, and it has been nearly six weeks without confirmation, so it is unclear whether the funds were properly transmitted back to the IRS. This delay is causing financial hardship. I request that the bank provide confirmation to the IRS so the refund can be reissued promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I am filing a complaint against PennyMac regarding mortgage servicing and failure to respond to my written requests for information. My loan entered forbearance on XX/XX/XXXX, and the forbearance ended on XX/XX/XXXX. I signed a loan modification on XX/XX/XXXX. A full modification agreement later appeared in the PennyMac portal on XX/XX/XXXX, even though the document date shown is XX/XX/XXXX. I am requesting a full explanation and accounting for how this loan was handled from the start of forbearance through the loan modification. I mailed my first written QWR / Notice of Error / Request for Information on XX/XX/XXXX. PennyMac received it on XX/XX/XXXX, and acknowledged it on XX/XX/XXXX. I then mailed a second follow-up letter on XX/XX/XXXX, and PennyMac acknowledged receipt of that letter in the portal on XX/XX/XXXX. Despite receiving and acknowledging my written requests, PennyMac has not provided the substantive written response or records I requested as of XX/XX/XXXX. I requested complete payment history, unapplied or suspense funds history, escrow history, forbearance records, modification records, copies of all notices sent, address history used on the account, a written explanation of fees, reversals, delinquency calculations, and interest-related charges, a complete accounting from the start of forbearance through the loan modification, and copies of audio call recordings, call notes, and call logs related to the loan. I want PennyMac to provide a complete written response, all requested servicing records, a full accounting from the beginning of forbearance through the loan modification, and correction of any account errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Klarna AB
State: FL

Complaint narrative:
I am filing a complaint regarding Klarnas handling of a dispute for goods not as described. I used Klarna to finance a purchase from XXXX XXXX. The item received was materially incomplete, as a standard component ( shoulder strap ) was missing and not disclosed in the listing description. Klarna declined to investigate the substance of the dispute and instead relied entirely on the merchants policy. They did not independently assess whether the item was not as described. I am requesting proper review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
In XX/XX/XXXX, I was charged {$5600.00} through CareCredit/Synchrony Bank for XXXX hospitalization service at XXXX. This total consisted of {$890.00} in initial diagnostics, which I am not disputing, and {$4700.00}, which is the subject of this dispute. I agreed to treatment estimates totaling {$5600.00}. However, the final invoice includes additional services ( including radiographs, expanded diagnostics, and medications not administered or not usable ) that were not clearly included in the original estimate or agreed upon. A comparison of the estimates and final invoice shows that approximately {$3500.00} of the charges were not part of the original estimate, leaving only {$2600.00} consistent with the agreed services. The provider later stated that {$1000.00} in adjustments were applied. The invoice reflects a subtotal of {$6100.00} prior to adjustments, which was then reduced to {$5600.00}, resulting in the same total as the original estimate despite the inclusion of additional services. These additional charges arose following a complication during care that the provider acknowledged responsibility for by covering subsequent emergency surgery and hospitalization at another facility. I disputed the {$4700.00} charge with Synchrony. The dispute was denied on XX/XX/XXXX and again on XX/XX/XXXX, based on a quality defect determination. The providers last communication was XX/XX/XXXX, with no further outreach to resolve the billing discrepancies. Synchrony did not evaluate whether the final charges matched the agreed estimate or whether the billed amount accurately reflects authorized services.

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