vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
The loan has been written off through bankruptcy almost a year ago and they are still harassing us. The have received a minimum of XXXX cease and desist letters and continue to report to the credit bureaus that the loans are outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Commenity Despite a no contact request from XXXX years ago, Commenity contacted me stating that if I did not call their toll-free number, they would share my information with third parties. I do not want my information shared with XXXX parties. Their toll-free staff is incompetent I am forced to call Comenity because they sold my alleged medical debt to a third-party however, since they reported to the credit reports, they still own it and are the ones doing the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
PLEASE HELP! I am an XXXX XXXX XXXX member that is deploying in a few weeks, and this issue has gone on for quite some time and has caused a financial hardship on my family. I have been dealing with Bank Of America 's claims department for quite some time in regard to a merchant that I purchased a substantial amount of items from, but didn't receive. I have 18 purchases that need to be disputed against this company for " goods not received ''. I purchased several different items from the merchant that were supposed to be delivered to me in 2025, yet I have not received any of the items, nor have I received a refund or any communication regarding the items. Bank of America did dispute a large amount of these charges for me, yet there are still 18 remaining that for some reason they have not disputed properly. Bank of America has stated that these claims are older than 60 days and that I should have notified them of an " error. ' However, they should be disputing my charges with the merchant under " goods not received '' as I was supposed to receive the items I purchased from them in late 2025. For some reason the remaining 18 charges are not properly being disputed as " Goods not Received '' so they are just closing out on their end. I don't understand because the other charges were successfully disputed and won, and all of my disputes were put in at the exact same time. This is just poor service on their end. I am requesting the CFPB to help Bank of America claims department understand that I need to dispute for goods not received, not as an " error '' on my bill. I am confident that If they are able to do so that I would win my case. The remaining charges that I need disputed for Goods Not Received are listed with Claim number and charge amount : XXXX. XXXX - {$830.00} XXXX. XXXX - {$830.00} XXXX. XXXX - {$830.00} XXXX. XXXX - {$310.00} XXXX. XXXX - {$620.00} XXXX. XXXX - {$160.00} XXXX. XXXX - {$520.00} XXXX. XXXX - {$830.00} XXXX. XXXX - {$830.00} XXXX. XXXX - {$520.00} XXXX. XXXX - {$830.00} XXXX. XXXX - {$100.00} XXXX. XXXX - {$180.00} XXXX. XXXX - {$830.00} XXXX. XXXX - {$100.00} XXXX. XXXX - {$830.00} XXXX. XXXX - {$780.00} XXXX. XXXX - {$830.00} Please help Bank of America actually understand that these charges are being disputed in the wrong way and are closing out in error. They need to be disputing the merchant directly for Goods Not Received. Thank you very much. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
I opened an account at Ally Bank3. I attempted to send a wire transfer to a friend. They thought was suspicious and locked my account with the inline banking app. I spend over an hour on the phone answering all their questions to XXXX XXXX I knew the person ands I XXXX the one that did this transaction. They still have not granted me access to my account. There is over {$4000.00} in the account. It has been over XXXX weeks and nothing has been done. I dont know what else I can do to make them see their was no suspicious activity on my account and for them to release my money

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 2026-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX and TransUnion are reporting XXXX collection accounts on my personal credit file that arise from commercial alarm monitoring contracts for XXXX XXXX XXXX business locations. The original XXXX agreements clearly identify corporate customers, and I signed solely in my capacity as a corporate officer ( XXXX ). There is no personal guarantee agreement or contractual language establishing individual liability. Despite providing TransUnion with copies of the contracts and disputing the accounts multiple times, both accounts continue to be reported as Individual Accounts. I requested documentation establishing personal liability, including any personal guarantee agreement and the basis for reporting these corporate obligations as personal consumer debt. No such documentation has been provided. These are corporate business contracts and are being inaccurately reported as my personal delinquent accounts. I request that TransUnion and XXXX XXXX XXXX either provide documentation establishing personal liability or remove these accounts from my personal credit file.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I was the victim of a social engineering scam in which I was deceived into transferring funds from my M & T debit card to Cash App under false representations of legitimate financial assistance. The transaction occurred during a live FaceTime screen-sharing session in which the individual had interactive access to my screen and guided the process in real time. I was misled about the true nature and outcome of the transfer. I reported the incident to M & T Bank immediately on the same day it occurred. A provisional credit was issued but has since been reversed, although the case was reopened after escalation. The authorization for the transaction was obtained through deception and real-time manipulation. I did not knowingly authorize an irreversible loss of funds. I am requesting a full and fair review of this social engineering fraud case and reconsideration of reimbursement.

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 2026-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I paid my bill in full in the month of XXXX for {$30.00}. Then XXXX Credit Card sent me {$40.00} in XXXX. Then they sent me another {$40.00} in XXXX. And then another bill for {$40.00} in the month of XXXX. I also paid {$80.00} in the month of XXXX with the note stating that this is in dispute since I paid my credit card in full in the month of XXXX for {$30.00}. And then I had to pay an extra {$80.00} in the month of XXXX so I did that with once again a note stating that this is in dispute. I already filed a complaint against them through this platform. They responded and said that they will at least take {$40.00} off of my charge. However, after they said they would take {$40.00} off of my charge they sent another bill for the month of XXXX charging me another {$40.00}. I have excellent credit and I have had credit cards for decades. I've never experienced anything like this. I will also be contacting the Attorney General to file a complaint against this company if this is not resolved. I'm also going to call the credit card viewers is like XXXX, XXXX XXXX, etc, and see if they can help me as well. I should not have to pay another {$40.00} in a month of XXXX when I paid for my {$30.00} in purchase in for the month of XXXX. Along with an extra unjust {$80.00} in the month of XXXX. And especially when they told me that they will take {$40.00} off with my charge and instead, they sent me another {$40.00} charge. I hope that they can give me back my money at least the {$40.00} that they said they were going to take off my charge so they should send me {$40.00} and definitely canceled the {$40.00} that they sent me for the month of XXXX when they stated in the month of XXXX that they were going to reduce my bill by {$40.00}. I am hoping for assistance in resolving this issue. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint as a consumer regarding Synchrony Banks administration of my XXXX XXXX XXXX account. The financial impact in my case was {$1.00}, which was later waived, but I am concerned that the issue reflects a broader system design problem that could affect other consumers. XXXX XXXX XXXX I enrolled in a fixed-amount Autopay instruction of {$54.00}. Before the due date, I made a manual payment. Without any request or authorization from me, Synchronys system reduced my scheduled Autopay amount from {$54.00} to {$17.00} in order to offset the earlier payment. Because the fixed payment was automatically lowered, a portion of my Regular Purchase balance remained unpaid, which resulted in interest being assessed. My concern is whether Synchronys Autopay system is designed to automatically reduce fixed consumer payment instructions in a way that is not clear to consumers and that may predictably generate interest charges. Due-Date Payment and Minimum Interest Charge On XX/XX/XXXX ( the due date ), I made a corrective manual payment intended to prevent any interest from being charged. Although the payment was submitted on the due date, it was processed on XX/XX/XXXX. Synchrony then assessed a {$1.00} Minimum Interest Charge. Request to Prevent Interest On XX/XX/XXXX at approximately XXXX PM PT, I contacted Synchrony and explicitly asked that my account be annotated to prevent any interest or fees while the issue was being resolved. Despite that request, interest was still charged on XX/XX/XXXX. The interest was waived on XX/XX/XXXX only after I referenced my prior call. Purpose of Complaint I am not seeking additional reimbursement. My concern is whether : Fixed-amount Autopay settings are being systemically modified without clear disclosure, Due-date payment processing practices are consistent with consumer expectations, and Consumers who proactively contact customer service are nevertheless subject to automated interest assessments. If this Autopay offset behavior is built into the system, I believe it may warrant review to determine whether it is clear, transparent, and fair to consumers. I can provide statements, payment confirmations, and call details upon request. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, an unauthorized XXXX XXXX XXXX electronic fund transfer in the amount of XXXX ( approximately {$1200.00} USD ) was processed through my PayPal account. Within approximately XXXX minutes of the transaction, PayPal sent me a security alert indicating suspicious activity and instructing me to log in and change my password. I immediately accessed my account, changed my password, and reported the transaction as unauthorized. PayPal denied my claim, stating there was no evidence of third-party access. However, during a subsequent phone call, a PayPal representative confirmed there had been a login from a new device immediately prior to the transfer. An appeal was filed and later denied with the same reasoning. I later determined that my credentials were compromised through a phishing website ( XXXX ) on XX/XX/year>. I did not authorize the transfer. The transaction occurred only after unauthorized access to my account from a new device. Under the Electronic Fund Transfer Act and Regulation E, consumers are not liable for unauthorized electronic fund transfers when they notify the financial institution promptly. I reported the transaction immediately upon receiving PayPals security alert. The evidence of a new device login and PayPals own fraud notification confirm account compromise. Despite timely notice and evidence of unauthorized access, PayPal has refused to reverse the transaction and has stated that I am liable for the {$1200.00} loss. I am requesting that PayPal comply with its obligations under federal electronic fund transfer protections, conduct a reasonable investigation, and restore the unauthorized funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
XX/XX/XXXX received several Verification code request that were not requested by us. When Password Reset codes were sent to us they were not received. PayPal closed the account XX/XX/XXXX. Tried to create new accoount from XX/XX/XXXX through XX/XX/XXXX. PayPal had blocked me. Did finally set up new account XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX, XXXX, XXXX HARRIS & HARRIS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA TO WHO IT MAY CONCERN, THIS LETTER SERVED AS A FORMAL FOLLOW-UP TO MY PREVIOUS CEASE AND DESIST AND DEBT VALIDATION DEMAND LETTER REGARDING THE ABOVE REFERENCED ACCOUNT. DESPITE MY LAWFUL DEMAND MADE PURSUANT TO 15 U.S.C 1692G OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) AND 15 U .. S.C 1681S-2 OF THE FAIR CREDIT REPORTING ACT ( FCRA ), YOUR AGENCY HAS FAILED TO PROVIDE ADEQUATE LEGAL VALIDATION OF THE ALLEGED DEBT. INSTEAD, YOU RESPONDED WITH A GENERIC SUMMARY OF CHARGES OR STATEMENT BALANCE, WHICH DOES NOT SATISFY THE FEDERAL REQUIREMENTS FOR DEBT VALIDATION. YOUR FAILURE TO PROVIDE THE FOLLOWING CONSTITUTES NONCOMPLIANCE : XXXX. A COPY OF THE ORIGINAL SIGNED CONTRACT OR AGREEMENT BEARING MY SIGNATURE ; XXXX. A FULL CHAIN OF TITLE INCLUDING ALL ASSIGNMENTS AND TRANSFERS OF THE ALLEGED DEBT ; XXXX. A BILL OF SALE OR PURCHASE AGREEMENT PROVING LEGAL OWNERSHIP OF THE DEBT ; XXXX. PROOF OF LICENSING TO COLLECT DEBT IN MY STATE ; XXXX ; XXXX XXXX XXXX ( IF REQUIRED BY LAW IN YOUR JURISDICTION ). A BILLING SUMMARY IS NOT PROOF OF DEBT OWNERSHIP OR LEGAL AUTHORITY TO COLLECT. CONTINUED REPORTING OF THIS UNVERIFIABLE DEBT TO CREDIT BUREAUS IS A VIOLATION OF 15 U.S.C 1681-2 ( a ) ( 1 ) ( A ) AND CONSTITUTES THE FURNISHING OF INACCURATE AND INCOMPLETE INFORMATION. ADDITIONALLY, CONTINUED COLLECTION EFFORTS WITHOUT PROPER VALIDATION VIOLATE THE FDCPA, SPECIFICALLY :. 15 U.S.C 1692e - FALSE OR MISLEADING REPRESENTATTIONS. 15 U.S.C 169Rf - UNFAIR PRACTICES. 15 U.S.C 1692g - FAILURE TO VALIDATE DEBT IF THIS ACCOUNT IS NOT PERMANENTLY DELETED FROM ALL CONSUMER REPORTING AGENCIES AND ALL COLLECTION EFFORTS DO NOT CEASE WITHIN 15 CALENDAR DAYS, I WILL PROCEED WITH LEGAL ACTION AGAINST YOUR AGENCY UNDER 15 U.S.C 1681n and 1692k, INCLUDING BUT NOT LIMITED TO STATUTORY DAMAGES, PUNITIVE DAMAGES, LEGAL FEES, AND COSTS. THIS IS YOUR FINAL OPPORTUNITY TO RESOLVE THIS MATER BEFORE I FILE FORMAL COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), THE FEDERAL TRADE COMMISSION ( FTC ), AND MY STATE ATTORNEY GENERAL, AND PURSUE CIVIL LIGITATION. SINCERELY, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wallace Management Company, LLC
State: TX

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: WI

Complaint narrative:
What happened : My mortgage was recently transferred to XXXX, which is subserviced by LoanCare. On XX/XX/year>, a payment of {$1500.00} was successfully processed. This payment is explicitly acknowledged in my LoanCare online portal under " Last Payment Amount. '' Despite this, I recently began receiving mailed past-due notices claiming I missed my XX/XX/year> payment and assessing late fees. Furthermore, LoanCare 's online system is displaying highly conflicting information : When I log into the portal, it shows a {$0.00} balance due and lists my recent monthly payments as " Paid. '' The portal 's " Financial Hardship '' section states my account is on an active " mortgage assistance plan. '' The " Mortgage Assistance Plan Details '' page states a " Trial Document '' was generated and sent to me on XX/XX/year>. The system directs me to view this agreement in my " Document Center, '' but the Document Center is completely empty, meaning they have withheld the terms of this plan. I contacted LoanCare customer service via email on XX/XX/year>, to resolve this. They responded with a generic request for a XXXXdigit bank ACH trace number for the payment ( which I am supplying to them ). However, they have failed to address why their system incorrectly shows me on an assistance plan, why the portal shows {$0.00} due while their billing department mails me collection letters, or why legal documents are missing from my account. I am requesting that LoanCare : Track the ACH trace number provided to them and properly apply my {$1500.00} payment. Correct their online system to reflect my accurate account status and explain the unauthorized " mortgage assistance plan. '' Ensure no late fees or negative credit reporting are applied to my account due to their servicing transfer errors and internal system discrepancies.

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