vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: NJ

Complaint narrative:
Over XXXX XXXX federal student loan borrowers were impacted by servicing failures during the repayment restart. Edfinancial Services has publicly acknowledged widespread notification and servicing issues during this period. Against that backdrop, Edfinancial is now reporting multiple 90-day late payments across numerous accounts on my credit reports, despite inconsistent reporting, disputed balances, and unresolved servicing errors tied to the federal student loan transition. 

Beginning in XX/XX/year>, Edfinancial reported multiple 90-day late payments across the following accounts, many with overlapping dates, inconsistent balances, and conflicting reporting between credit bureaus : XXXX {$1700.00} XXXX {$380.00} XXXX {$1300.00} XXXX {$1700.00} XXXX {$2200.00} XXXX {$2700.00} XXXX {$3700.00} XXXX {$2800.00} XXXX {$3800.00} XXXX {$1200.00} XXXX {$2100.00} XXXX {$1200.00} XXXX {$2700.00} XXXX {$3700.00} XXXX {$3200.00} XXXX {$11000.00} XXXX {$1900.00} XXXX {$3600.00} XXXX {$380.00} XXXX {$1300.00} These late payments were reported during a period where millions of borrowers experienced delayed billing, missing notices, servicing transfers, and system errors. Across the credit bureaus, the dates, balances, and delinquency sequences do not match, indicating inaccurate and unreliable furnishing. Under FCRA 1681e ( b ), Edfinancial has a duty to ensure maximum possible accuracy, and under XXXX XXXX guidelines, furnishers must report consistent dates of first delinquency, payment history, and balances. Reporting multiple 90-day lates without consistent supporting data violates these standards.

Proper verification must includes, since you'll want to quote FCRA, follow the rules.

Complete payment histories for each account Exact due dates and dates payments were allegedly missed Proof of billing and borrower notice prior to delinquency Documentation showing when payments were received and applied
Consistent delinquency coding across all bureaus in compliance with XXXX XXXX Merely stating that federal servicers may report after 90 days does not satisfy verification requirements when the underlying data is inconsistent, disputed, and tied to known servicing failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Through PayPal account funds were taken and sent to scam and fraudulent accounts I don't know the people.some say friends some just say sent.some sent to invalid accounts and couldn't be recovered so the funds just sit there.i have been told by PayPal no funds would be sent because there was fraud going on and I'm still having to fight to get my money back in my bank account.ive lost XXXX.yhe dates run from XXXX to XXXX and are amounts of anywhere of thousands up to XXXX XXXX XXXX.there may be a few for XXXX XXXX.ive had ongoing disputes and have the police and detective FBI etc involved to help recover funds.still no refunds.the money I'm sure is being laundered overseas in sceam.they will give a crook XXXX to XXXX  days to steal funds but don't side with the victim and make them wait to see what happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
i did not authorize this account with anyone. i was never a co signer. i had my own account years ago in XXXX that was paid in full by XXXX XXXX XXXX XXXX. i do not have any other account or signed for any account/

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 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Healthcare Management, LLC
State: MO

Complaint narrative:
I am submitting a complaint regarding an incorrect medical bill from A1 Collection Agency. The bill is for services allegedly provided on XX/XX/XXXX, totaling {$7500.00}. 
This bill is inaccurate because it was removed once before. I was billed for services I did not receive / my insurance was not applied/ the bill reflects duplicate charges and changes. According to my insurance this is not my responsibility and I should not have been billed. 
I have attempted to resolve this issue by disputing this on XX/XX/XXXX which the account was deleted, but the issue has came back and has not been corrected. Despite my efforts, I continue to receive bills and/or collection notices for this incorrect amount and multiple harassing phone calls. 
I am requesting that the bill be corrected to reflect the accurate charges, that any collection activity related to this error cease, and that my account and any credit reporting be updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH

Complaint narrative:
I am submitting this complaint regarding an inaccurate credit report entry being furnished by Mazda Financial Services. 

Mazda Financial Services is reporting a XXXX late payment on my auto loan that did not occur. The loan is jointly held in my name and my husbands name, and this incorrect reporting is negatively affecting both of our credit reports. 

Upon noticing the error, I contacted Mazda Financial Services directly. I was told that disputes could not be handled by phone and that I was required to submit a written dispute with supporting documentation to their internal credit bureau dispute department. I specifically asked for a direct phone number for that department and was told no phone number exists. 

Mazda Financial Services provided a mailing address and instructed me to send my dispute and documentation by mail. 

I sent the dispute and supporting documentation via priority mail with tracking, and the package initially showed as received. 

Approximately 20 days later, the mailing was returned to me marked as undeliverable, stating the address was not correct. 

I contacted Mazda Financial Services again and was told the address was correct and to resend the materials. 

I resent the dispute a second time. This time, the mailing was not returned, but I have received no acknowledgment, response, or resolution. 

I again requested a phone number to follow up on the dispute and was told there is no phone number available to contact the credit reporting department. 

In parallel, I filed formal disputes with all three major credit reporting agencies. Despite providing accurate information and disputing the late payment, none of the credit bureaus resolved the issue, and Mazda Financial Services has continued to verify the inaccurate information. 

At this point : Mazda Financial Services has made it unreasonably difficult or impossible to dispute the error directly. 

They have provided inconsistent information regarding where disputes should be sent. 

They offer no method of follow-up, no confirmation of receipt, and no way to speak to a responsible department. 

The inaccurate late payment continues to be reported and is causing ongoing financial harm to both borrowers. 

I am requesting that Mazda Financial Services be required to : XXXX a proper investigation into the alleged late payment. 

Correct or remove the inaccurate XXXX late payment from both credit reports. 

Provide written confirmation of the correction. 

Ensure consumers have a reasonable and accessible process to dispute credit reporting errors going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading information being reported on my consumer credit report. Despite federal law requiring accurate reporting and proper investigation, the listed furnishers continue to report false information that does not reflect my true credit history. These actions violate the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 
I am requesting CFPB review and intervention due to repeated failures by the furnishers to ensure accuracy, conduct reasonable investigations, and correct false data. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Issue : Late Payment This account is inaccurately reporting late payment history. I have never made a late payment on this account as reported. The payment history being furnished is false and does not reflect my actual account performance. Under 15 U.S.C. 1681e ( b ) and 1681i, you are required to ensure maximum possible accuracy. I am disputing only the late payment reporting and demanding correction of the payment history to accurately reflect on-time payments. If the furnisher can not verify the accuracy of the alleged late payments, the inaccurate information must be corrected immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Issue : Late Payment This account is also reporting inaccurate late payment information. I did not make late payments as claimed, and the reporting is misleading and incorrect. Reporting false delinquency violates the Fair Credit Reporting Act, including 15 U.S.C. 1681a and 1681e ( b ). I am requesting correction of the payment history to remove all inaccurately reported late payments. No deletion of the account is being requested, only correction of false information. 
These inaccuracies have caused ongoing harm to the integrity of my credit file. I am requesting that CFPB require the furnishers and credit reporting agencies to conduct proper investigations, correct all inaccurate late payment reporting, and remove the unauthorized inquiry. I also request written confirmation of all corrections made as a result of this complaint.

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 2026-01-22 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: Chime Financial Inc
State: MI

Complaint narrative:
I bought several items from XXXX on XXXX, they didnt have not items, and had to give me a refund through Chime, I was charged full price and never recieve a refund, both Chime and XXXX say they not fault, i havent reiceved a ajustment refund yet

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: EGL US, LLC
State: FL

Complaint narrative:
On Thursday, XX/XX/XXXX, it came to my attention that my personal loan with BMG Money was overpaid when I was reviewing my paystubs. I contacted BMG Money by both phone and email multiple times and they stated there were XXXX ( XXXX ) overpayments of my loan and that a refund check would be mailed out, but that there was no set time frame for the refund check to be sent out. I have followed up once a week for XXXX months and it is now Monday, XX/XX/XXXX. 60 days is more than a reasonable amount of time to wait. It is unacceptable to have no set time frame for the refund and there was also no documentation or proof provided that those were the only refunds necessary on my loan. I am now demanding immediate attention to this matter. Please immediately review my loan account, provide documentation that the amount of the refund ( s ) is correct, and send the refund immediately to my bank account. I submitted a complaint to the CFPB on XX/XX/XXXX. BMG Money responded on XX/XX/XXXX, saying they sent the refund on XX/XX/XXXX. As of XX/XX/XXXX, I still have not yet received the refund. I noticed in their response that they sent it to my bank account number, but not directly to the checking account or savings account. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: GA

Complaint narrative:
I have not knowledge of this debt. I have requested XXXX times that they validate the debt. Still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CarMax, Inc.
State: TX

Complaint narrative:
CarMax repossessed my vehicle on XX/XX/2025. Since then, I have been receiving at least XXXX phone calls per day from CarMax, often starting as early as XXXX XXXX  and continuing late into the evening, including a call at XXXX XXXX. They do not leave voicemails, and the calls continue even though the vehicle is no longer in my possession. 

I have repeatedly requested that all communication be in writing, yet the calls persist. This constant calling has caused significant stress, disrupted my daily life, and is clearly excessive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding an unfair returned payment fee charged to my credit card account. 

I have always paid my credit card balances and installment payments in full and on time, as required. I take my financial obligations seriously and maintain a consistent payment history. 

In this case, a {$39.00} returned payment fee was assessed even though my payment due date had not arrived. The fee was applied solely because an XXXX attempt was initiated when my account balance was temporarily insufficient. However, I had already initiated a transfer from my bank to my American Express account before the due date, and the funds were credited shortly afterward. The payment was then successfully processed. 

I understand the difference between a late fee and a returned payment fee. However, charging a fee for a payment that was not past due is unreasonable. Moreover, labeling this charge as a fee is misleading, as a fee typically implies that a service was provided. In this situation, no service was rendered to justify a {$39.00} charge. 

Additionally, the XXXX system does not allow me to select a specific payment date based on my salary payday. Instead, it only provides preset options ( such as XXXX or XXXX  days after the statement closing date ), which limits my ability to manage payments responsibly. 

When I raised this concern with the bank, the representatives repeatedly provided the same scripted response instead of addressing my actual question, which made me feel that my concern was not being properly acknowledged. 

I believe this policy prioritizes technicalities over consumer fairness. My concern is not the dollar amount itself, but the banks policy and lack of flexibility. I am requesting a review of this charge and the XXXX policy that led to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX  ( issuer of my debit card ) for failure to investigate and resolve a missing electronic funds transfer related to a canceled XXXX XXXX transaction. 
On XX/XX/year>, I initiated a XXXX XXXX card transfer for {$280.00} USD, which generated XXXX XXXX. The transfer was canceled the same day, which XXXX XXXX has confirmed. However, the {$280.00} was never returned to my account. 
Key facts : The transfer was authorized using my debit card The transfer was canceled prior to settlement No reversal or credit was posted to my account The transaction does not appear on my ledger, yet the funds are unavailable XXXX XXXX  has stated they have no record and has failed to perform a network-level trace This represents a failure to properly investigate an electronic funds transfer error. 
Regulatory Violations 1. Regulation E 12 CFR 1005.11 ( Error Resolution ) XXXX XXXX  failed to conduct a reasonable investigation into an electronic funds transfer error after notice was provided. The regulation requires financial institutions to investigate and resolve XXXX errors, including missing or incorrectly processed transfers. 
XXXX. Regulation E 12 CFR 1005.11 ( b ) ( 1 ) ( i ) An error includes an incorrect electronic funds transfer or a failure to credit funds properly. The canceled XXXX XXXX transfer qualifies as such. 
XXXX. Regulation E 12 CFR 1005.11 ( c ) ( 1 ) The institution is required to investigate promptly and determine whether an error occurred within XXXX business days. XXXX XXXX  has instead relied on superficial transaction searches despite being informed the transaction never settled and requires an authorization lifecycle trace. 
XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531 Representing that funds are unrecoverable due to no record while failing to perform required payment network tracing constitutes an unfair practice. 
Requested Resolution I am requesting that XXXX XXXX  be required to : Perform a Visa network authorization trace / lifecycle review for the canceled XXXX XXXX transfer ( XXXX  XXXX ) Release or credit the {$280.00} that remains unavailable Provide written confirmation of the investigation and resolution This is not a dispute or fraud claim, but a failure to release a canceled authorization tied to an electronic funds transfer. 
I am requesting CFPB assistance to ensure compliance with Regulation E and proper recovery of my funds. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/year> I received an email from Synchrony Bank advising that I had opened a XXXX  CashRewards Credit Card with them and had made unknown purchases on the credit card. I had not. 

I contacted Synchrony Bank immediately and provided them with my information and advising them of the issue and that I had not opened this line. 

After I verified my name, Date of Birth, and address, they refused to provide me with any information about the account. I asked for the phone number associated, the date, time, and location the account was created, and they refused. 

I requested the account be closed and for the credit cards to be canceled. They advised would would notify their fraud department about the issue. When I asked why they were protecting the suspect that had opened the account by not providing me information listed under MY fraudulent account, they advised they were not and had to follow their " protocol '' in regards to not providing me any information.

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 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding the handling of my escrow account and resulting payment increase following the transfer of my mortgage servicing to Rocket Mortgage. 

I do not dispute the legitimacy of my property taxes or homeowners insurance premiums. However, after the servicing transfer, Rocket Mortgage paid an annual insurance premium in XX/XX/year> that caused an immediate escrow account deficiency. Rocket then structured recovery of that deficiency and a projected escrow shortage in a manner that resulted in a sudden and substantial payment increase.

The escrow account had not been delinquent prior to the servicing transfer. The deficiency arose from the timing of the insurance disbursement and the application of maximum escrow cushion and recovery assumptions. While Rocket later agreed to spread recovery over 24 months, the total monthly payment remains unchanged and continues to create significant payment shock. 

I am not seeking forgiveness of legitimate escrow obligations. I am requesting review of whether the escrow deficiency and recovery structure were applied in a manner that unnecessarily front-loads payments and whether alternative, cash-flow-neutral restructuring options were reasonably available. 

I have requested recalculation and alternative recovery options directly with Rocket Mortgage. This complaint is submitted to request supervisory review of the escrow handling and recovery methodology, particularly in light of the servicing transfer and insurance payment timing. 

I am concurrently shopping for alternative homeowners insurance and will provide updated documentation once available. I respectfully request that Rocket Mortgage work with me to recalibrate escrow payments in a manner consistent with actual historical costs and reasonable recovery practices. 

Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting the same federal student loan debt twice on my Equifax credit report as two separate collection tradelines with different balances. I disputed this duplication with Equifax. Equifax verified both entries without explaining how one debt can lawfully appear twice. This violates FCRA accuracy requirements and has caused credit harm. I am requesting deletion of one duplicate tradeline and correction of all inaccurate data.

Company response to consumer: Closed with explanation