vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I am formally disputing the accuracy of a late payment reported on my mortgage account. 

My mortgage servicing transferred to a new servicer, Mr. Cooper, in XXXX of XXXX. On or about XX/XX/XXXX, I submitted my mortgage payment within contractual grace period and received confirmation that the payment was successfully submitted. 

The payment was later rejected by my financial institution due to an insufficient code. However, I was not notified of the rejection, and the servicer did not re-present the payment for collection or provide a timely opportunity to cure the issue. 

On XX/XX/XXXX, prior to any late status appearing in the online portal, I contacted customer service and was advised that my account was in good standing. I was also instructed not to submit an additional payment at that time and was told that if the payment were returned, the servicer would initiate a new payment. 

The account did not reflect a late status in the portal until the evening of XX/XX/XXXX. Upon becoming aware of this, I submitted payment on XX/XX/XXXX, the next available business following the holiday. 

On XX/XX/XXXX, I again contacted customer service and was explicitly assured that, given the circumstances, the account would not be reported as late to the credit bureaus. 

Despite these representations and my immediate payment once notified, the account was nevertheless reported as late. This reporting is inaccurate and does not reflect my actual payment behavior, nor does it account for my reliance on servicer instructions and assurances. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am requesting a full investigation and correction of this inaccurate reporting. I am attaching evidence the payment attempts, subsequent payment, and communications with customer service. 

I respectfully request that this account updated to reflect a timely payment and that the inaccurate late payment be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am filing a complaint regarding failure to process an approved refund and improper handling of a payment dispute related to a purchase made through XXXX XXXX and financed via Affirm. 

The seller approved my refund, and XXXX XXXX representatives repeatedly confirmed that the refund was approved and/or issued. However, XXXX XXXX has never provided proof of refund issuance ( no transaction ID/ARN, date, or confirmation ). Despite this, XXXX XXXX later stated they can not process the refund until a 180-day timeframe is completed, which applies to chargebacksnot merchant-approved refunds. 

XXXX XXXX has : Provided conflicting statements about whether the refund was issued Repeatedly closed support tickets without resolution Failed to provide documentation required by my lender to release funds Instructed me to wait while my lender ( Affirm ) is penalizing my account As a result, Affirm is holding me responsible for the balance, warning of late payment consequences and potential loss of account access. This has caused documented financial harm despite the issue being outside my control. 

XXXX XXXX has refused further assistance, stating they must follow process, while offering no documentation or resolution. This constitutes improper refund handling, misrepresentation, and unfair business practices. 

I am requesting CFPB assistance to require XXXX XXXX ( or its payment processor ) to : 1. Provide written proof of refund issuance or 2. Immediately complete the refund and notify Affirm 3. Correct the harm caused by the delay and misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am filing a complaint against Affirm regarding a denied dispute for a hotel purchase at XXXX XXXX. The room had bed bugs, creating unsafe and unsanitary conditions. I immediately requested a refund from the merchant, but the merchant refused. I then filed a dispute with Affirm, but Affirm denied my claim and is preventing me from submitting a new claim or properly appealing the decision. 

This was not a minor issue or dissatisfactionbed bugs are a health and safety concern and the service was not provided as agreed. I am requesting that Affirm reopen and review the dispute, accept my supporting documentation ( photos/videos and proof of refund denial ), and issue a refund/credit for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I am filing a complaint against XXXX Credit Card regarding inaccurate billing, improper interest charges, and incorrect credit reporting after my account was settled and paid in full. 

On XX/XX/XXXX, I entered into and completed a settlement payment of {$350.00}, which XXXX confirmed as satisfying the account in full. I received written confirmation from XXXX stating that the account was settled and that I do not owe any remaining balance. The account is currently showing as closed. 

Despite this, XXXX has continued to : Accrue interest on the account after settlement Increase the balance after it was paid and closed Send me multiple billing statements stating that I owe money Trigger late payment alerts Report an outstanding balance to the credit bureaus Because XXXX is still reporting a balance owed, my XXXX dispute was denied, solely due to XXXX inaccurate reportingnot because the debt is valid. 

To summarize the timeline : XX/XX/XXXX Settlement paid in full ( {$350.00} ) XXXX weeks later Received a letter confirming the account was settled and I owe nothing XXXX week after that Received another billing statement showing a balance due Since then Continued statements, balance increases, and late alerts I have contacted XXXX multiple times and escalated the issue I was repeatedly told to allow 2030 days It has now been over 45 days, and nothing has been corrected XXXX has provided no clear explanation, no written correction, and no resolution. Meanwhile, their failure to update the account properly is actively harming my credit and causing ongoing stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received XXXX checks from state of California unclaimed money from business I had 30 years ago. XXXX to XXXX XXXX XXXX XXXX XXXX for XXXX. The other to XXXX XXXX XXXX XXXX XXXX for XXXX. On XX/XX/XXXX I took them to Chase Bank in XXXX Tx. I opened account and deposited them. They cashed them and then closed my account. They said flagged for fraud and would mail cashier check. XXXX weeks later I received the XXXX XXXX. They refuse to give me the XXXX XXXX. Flagged for fraud is all they will say. I already proved to California that money was mine. They are trying to keep my money.They cashed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I was a customer of XXXX car insurance company from XX/XX/XXXX. My monthly statement was always paid on time. I was a member of their driveway wise program with a perfect score. 

Policy number : XXXX I canceled my policy over the phone on XX/XX/XXXX and started a new policy with XXXX auto insurance on XX/XX/XXXX for a lower monthly rate. 
I have always canceled car insurance when starting with a new company. Unfortunately, I have no record of this conversation. 
The collection of {$550.00} is inaccurate and has deeply affected my usually excellent credit. 
I have tried contacting XXXX multiple times over the years, with their response being : We're unable to complete your request to inquiry reagrding contact at this time because we need to review the details of your request with you. We apologize for this inconvenience. 
Their response is always pertaining to renewing my old account, which I do not want to do. 
I am requesting your assistance to remove this from my credit report so I can move forward with the purchase of a new home. 
Thank you. 
XXXX XXXX XXXX ( c ) XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/year>, I attempted to log into my Cash App account in order to transfer funds to my ex-wife as payment for goods and services related to our child. Upon attempting to log in, I discovered that my Cash App account had been closed. The only explanation provided was that I had allegedly violated Cash Apps Terms and Conditions. 

Using the Cash App chat feature, I requested clarification as to which specific terms or conditions I had violated. Cash App representatives refused to identify any particular provision that was allegedly breached. Instead, I was informed that I could submit an appeal and explain how I used my Cash App account. 

I submitted an appeal and explained that my Cash App usage was limited to lawful and legitimate purposes, including : Transferring money to my ex-wife for goods and services related to our child; and Transferring money to friends and co-workers for reimbursement related to grocery purchases for the office break room at my workplace. 

On XX/XX/year>, I received an email notification stating that my appeal had been denied and that my Cash App account would remain permanently closed. No additional explanation or justification was provided. 

Following the denial of my appeal, I contacted the Cash App customer support phone number listed on their official website. The representative I spoke with stated that they were unable to provide any information regarding my account and advised that I would need to log into my Cash App account and use the in-app chat feature to obtain further details. I informed the representative that I could not log into my account because it had been closed. Despite this, the representative refused to provide any additional information or assistance. 

At no point was I informed of any specific Terms and Conditions that I violated. I have never used Cash App for illegal, fraudulent, or prohibited purposes. All transactions were lawful, transparent, and related to family obligations or routine workplace reimbursements. 

As of this date, my Cash App account remains closed without any specific explanation, justification, or identification of a violated policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER 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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
Cavalry Portfolio Services is reporting a collection account originally from XXXX XXXX. This account was previously deleted from my credit report after a dispute, then later reinserted. I was not provided written notice of reinsertion within XXXX business days as required by the Fair Credit Reporting Act. 

The balance being reported is inaccurate and unverifiable. I made payments to XXXX XXXX prior to charge-off and was never notified of charge-off or sale. The amount reported does not reflect prior payments. XXXX XXXX has stated the account was sold and payment history can not be verified. 

Cavalry has failed to properly investigate and verify the accuracy and completeness of the information. I am requesting permanent deletion of this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
XX/XX/year> I have been a member of Robinhood for years. I requested to withdraw {$1400.00} and send it to the bank on their files. The verification process is so complex that I can complete it. Apps that wont take pictures and says its too blurry. Im so frustrated. I was thinking about transferring my XXXX there, but that will never happen now. I just want my money and I cant jump through enough hoops to satisfy them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
In XXXX we purchased a new furnace, with financing provided by Synchrony Bank. Their offer was for no interest if the balance was paid within XXXX months. 
Upon receiving the card on XX/XX/XXXX, I signed on to their website, made a XX/XX/XXXX payment, and signed up for automated payments of XX/XX/XXXX to be taken from our bank every month, beginning in XXXX, such that the balance would be paid by the deadline. 
However, buried somewhere in their terms of service is a clause starting that if you make a manual payment spring the same billing cycle as an automated payment, the automated payment will be reduced but the exact amount of the manual payment. 
They therefore did not collect a payment in XXXX, putting me XXXX month last the deadline date and subjecting me to more than XXXX in interest charges.

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 2026-01-20 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: WA

Complaint narrative:
I received notification of a past due amount from a creditor. I contacted IC Systems and confirmed the account is not mine on XX/XX/year> by phone but was told they could not remove from my credit report.

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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was notify by the Midland Credit management back in XXXX  that there was account open with my info. I ve never opened a XXXX XXXX  account under my info or the email address or home address they have on file. Midland criedit management is saying am in collection and now being sued for {$2300.00}. I've took action and notify indenitytheft government and also done a police report and sent that info over to Midland Credit management back in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Set up onetime ach on Kia finance payment via bank account. I have already made 2 payments with no issue. Made payment on Kia portal on XX/XX/XXXX as I did they other payments. Got a text on XX/XX/XXXX that my payment did not process that was due on XX/XX/XXXX. Went in ok XX/XX/XXXX and made another payment at XXXX and called Kia on XX/XX/XXXX yo find out why my payment did not go through. I could only take to off shore and waited 30 mins for a supervisor who was rude and not helpful. Told it was because the XXXX account showed as saving which is not correct because I have no saving account with XXXX only checking. Told to check back but now my payment is late. Never had a late payment in my life. I went ahead and did another payment using my debt card to see if that will work and still waiting. Kia was not helpful and the customer service was horrible to help trouble shot the issue. Something needs to be done.

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 2026-01-20 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: NC

Complaint narrative:
On XX/XX/XXXX at around XXXX I received a call from someone impersonating the bank, Wells Fargo , saying that I had fraudulent activity on my account and telling me that they would need to send me out a new card but it would take days to get it because of the holiday. They said they could tell me the new card number and I could send myself money to use until my card arrived. This call came in after I had taken prescribed medication that impaired my judgment. They kept me on the phone for almost an hour. They told me the card number of XXXX and that that would be my new card number and they walked me through the steps of adding this to my cash app account so I could send myself money to use until the card arrived in the mail. The transaction was not meaningfully authorized under Reg E. I thought I was sending money to myself. I would like to demand a Regulation XXXX re-investigation. I couldn't see the caller number but the name showed up as XXXX and they said they were with the fraud department. I barely remembered this the next morning and called Wells Fargo to report it, case # XXXX for {$1000.00} that posted on XX/XX/XXXX. They said it was a matter for XXXX XXXX, so I reported it with them with claim XXXX and they said it was my fault. Even though I gave them the card number of the transfer, I don't know why they couldn't pull back the transaction. They denied the claim.

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 2026-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I am submitting this letter to dispute inaccurate credit reporting related to my XXXX  XXXX bankruptcy. 

A XXXX  XXXX bankruptcy was filed on XX/XX/year>. A XXXX of Notice was sent to CNAC on XX/XX/year>, and the XXXX  XXXX discharge was completed on XX/XX/year>. The debt associated with CNAC was included in the bankruptcy and legally XXXX. 

Despite this, XXXX  is still reporting the account as a charge-off, which is inaccurate. The account should be updated to reflect that the debt was XXXX in bankruptcy, not charged off. 

I am requesting that this account be corrected to accurately reflect the bankruptcy discharge in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank sent me a debit card I didn't apply for I tried several times to call unable also sent a email

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 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I borrowed {$100.00} from chime who is my bank, I've contacted you guys previously about this issue. Before I could get a loan and after a 15 day cool down period ( chime calls it this ) you can get a new loan. I was told this in the past, told again by several representatives, then they say after your next deposit, which in previous loans I didn't have to wait. Then they say income affects this loan, they're all over the place, no one is on the same page! 
We Need Clear Clarification on this matter! After complaints to you guys, Something Must be Done!! Also it's hard to understand them sometimes, they all have XXXX  accents!! 
Where's the English Speaking Reps!!!

Company response to consumer: Closed with explanation