vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and improperly reported bankruptcy information appearing on the credit file of XXXX XXXX. This letter serves as a notice of dispute, a demand for strict compliance with federal law, and a request for immediate corrective action. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish or report information when there is a lawful and verifiable permissible purpose. You are hereby placed on notice that the bankruptcy information you are reporting lacks demonstrated permissible purpose and has not been properly verified as required by law.

Further, under 15 U.S.C. 1681q, any person who knowingly and willfully obtains or furnishes consumer information under false pretenses is subject to federal liability. Continued reporting of unverified or inaccurately attributed bankruptcy data may constitute reporting under false pretenses if proper authorization and verification can not be produced.

Additionally, pursuant to 18 U.S.C. 1028A, strict identity verification is required where information may be the result of misidentification or identity-related error. I dispute that this bankruptcy has been accurately matched to me, and I demand proof that the information reported has been verified through reliable and lawful means.

Under 15 U.S.C. 1681c-2, I am exercising my right to block the reporting of inaccurate information resulting from identity error or misattribution. You are required to block and remove this bankruptcy entry unless and until you obtain direct, documentary verification from the courthouse of record, confirming : My full legal name, My Social Security number ( full or last XXXX digits ), My date of birth, and A certified match confirming I am the subject of the alleged bankruptcy. 
Verification through a third-party vendor, automated system, or database is not sufficient under the FCRA. Only direct verification from the court of record satisfies your statutory duty to ensure maximum possible accuracy. 
If you are unable to provide such verification, you are required by law to immediately delete the bankruptcy entry from my credit file and provide written confirmation of its removal. 
Please be advised that failure to comply with this request within the timeframes mandated by the FCRA will be documented and may result in further action to protect my rights under federal law. 
I expect your prompt attention to this matter and written confirmation of the results of your investigation. 
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 2025-12-31 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: MN

Complaint narrative:
This is a follow-up to case # XXXX This is an additional question to my prior complaint. 

I contacted Wells Fargo on XX/XX/year> to inform them that I had been scammed. From the information I received back from Wells Fargo, they indicated that they had made a reversal to my XXXX XXXX XXXX of XXXX that had been taken from my account with out my knowledge. So, the XXXX was taken out of my XXXX account and put back into my XXXX XXXX XXXX, so the issue was resolved. However, on XX/XX/year>, a withdraw was taken out of my account in the amount of XXXX. If I had contacted the bank and told them of the fraud on XX/XX/XXXX, why did they allow the charge to come out of my account on XX/XX/XXXX??? I realize that XXXX XXXX has a time delay, but the bank should have ag that. 
Also, not sure what your bureau does, but you made no comment about the banks comments when they replied back to me. You just closed the case since the bank made their statement. Don't you feel that the bank was responsible for someone being in my account??? 
Please advise, Thank you, XXXX XXXX and 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 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I entered into and completed a one-year lease with The XXXX on XXXX. The property is now attempting to collect {$8100.00} for a supposed second-year lease that I never agreed to. 

I have repeatedly requested that the collection agency provide written proof of this alleged debt, including a copy of any signed second-year lease. They have failed to produce any such documentation. I also contacted the apartment complex in early XXXX and requested a copy of the alleged signed lease ; the only document they provided was not signed. 

During a phone call on XX/XX/XXXX, a representative of the collection agency stated that there was no proof of a second-year lease in my account notes. 

I also sent a formal written dispute and validation request to the collection agency, which was delivered on XX/XX/XXXX, denying the debt and demanding proof. After that letter was delivered, there was no further contact from the agency until XX/XX/XXXX, when I again contacted them, requesting validation of the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
XXXX  permanently restricted my account and is holding my funds. I previously filed a CFPB complaint, which XXXX responded to with inaccurate and misleading statements. 

Specifically, XXXX response incorrectly references XXXX XXXX activity. I have never created, managed, authorized, or interacted with a XXXX XXXX account. No XXXX XXXX is associated with my account in any way. This factual error was not corrected before the complaint was closed. 

Additionally, XXXX claims my account was flagged for potentially fraudulent funds but has failed to provide any specific transaction details, dates, amounts, counterparties, or evidence of fraud. I have not knowingly sent or received fraudulent funds, nor have I participated in unauthorized advertising or solicitation activity. 

XXXX response relies on generalized risk language without allowing me to understand or dispute the alleged violations. Despite this, XXXX  has imposed a permanent limitation and is holding my funds for up to 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: HOPE BANCORP, INC.
State: TX

Complaint narrative:
The XXXX loan is showing as disbursed not current but the loan is current and XXXX XXXX XXXX will not reply. I would not use them again for another loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint against Synchrony Bank for failure to properly investigate and resolve an unauthorized charge in violation of the Fair Credit

Billing Act ( 15 U.S.C. 1666 ). A charge of {$25000.00} posted to
my Synchrony store card account on [ date ] from [ merchant name ]. I did not authorize this charge.

I have disputed this transaction XXXX times. Synchrony Bank has repeatedly closed or ignored my disputes without providing any written explanation, findings, or proof of authorization. 

Dispute ID # XXXX is currently open. On XX/XX/year>, I sent a formal written dispute via certified mail and fax to Synchrony Banks Billing Inquiries department, invoking my rights under the Fair Credit Billing Act. To date, I have not received a proper written acknowledgment or investigation results.

Synchrony Bank has failed to conduct a reasonable investigation and has not explained why my prior disputes were denied, which constitutes noncompliance with federal law.

I am requesting CFPB assistance to require Synchrony Bank to conduct a lawful investigation, provide documentation supporting any claim of authorization, and remove the unauthorized charge if authorization can not be proven.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Apple/ Goldman Sachs card was compromised while on travel in XXXX XXXX 
Card was compromised by merchant and dispute was submitted summarily. 
After a few months, credit applied after dispute was debited and the account was reported as past due XXXX  days. This adversely affected my credit. 

Repeated calls asking for institution to investigate and provide basis for decision have been unsuccessful. I am asking for Apple/Goldman to delete the negative reporting per FCRA requirements and to report my account correctly and not past due XXXX  days for month reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a Chase Bank customer since XXXX. Recently, I moved to Texas and opened a new account. On Monday, XX/XX/XXXX, I deposited a check for {$1600.00} from my employer. I later received an email stating that my deposit would be on hold for XXXX  days, until XX/XX/XXXX, without any prior notice. 

The mobile app initially accepted the deposit without indicating that the funds would be unavailable for over a week. The next day, Tuesday, XX/XX/XXXX, both the app and the XXXX XXXX branch in XXXX, Texas, confirmed that my funds were available. Relying on this confirmation, I withdrew money and made purchases with my ATM card, believing my check had cleared. 

On XXXX XXXX XXXX, XX/XX/XXXX, Chase froze my account again, placed my balance in the negative, and canceled my ATM card. I now have no access to my funds, which I earned through my paycheck, and will be without them until XX/XX/XXXX. This action is creating serious hardship, especially over the XXXX XXXX holiday, as I can not pay for basic necessities or access my own money. 

Chases inconsistent communications, lack of transparency, and unilateral decisions to withhold my funds have caused me financial disruption, stress, and inconvenience. A bank should not have the ability to freeze or withhold a customers funds for over a week without clear notice or justification, particularly when the customer has received confirmation that funds are available. 

Impact on Me : I am unable to access my money for normal purchases, and my account is in the negative due to Chases actions. This has caused significant personal stress and financial hardship. I am forced to find alternative ways to access cash, including extreme measures, during the holiday period. 

Resolution Requested : I request that Chase Bank : Immediately release the withheld funds or provide a clear, lawful explanation for any continued hold ; Restore full access to my account and my ATM card ; Ensure that the bank communicates clearly and accurately regarding fund availability to prevent future issues ; Provide a timeline for resolving the current account freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
Hello, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding persistent servicing failures and legally non-compliant behavior by Sallie Mae in the handling of my private student loans. 

The two documents Ive attached are : 1. My Notice and Demand Letter ( XX/XX/year> ), which outlines in detail my complaints and the relief requested, and 2. My Follow-up Escalation Letter ( XX/XX/year> ), sent after Sallie Mae failed to respond within the 30-day period required under M.G.L. c. 93A.

These letters were prepared for potential arbitration and summarize a wide scope of servicing failures, which include : Unexplained capitalization events and payment misapplication Grouping practices that obscure interest accrual and payment history Failures to notify me of important account changes or actions A missed auto-debit charge that was scheduled on an account with sufficient amount to bill Excessive and misleading communication practices Lack of documentation access and exportable data, impeding basic loan auditing Being laughed at by customer service representatives when I asked for records of my requests I have made repeated good-faith efforts to resolve these issues with Sallie Mae, including hours of phone calls with representatives who gave contradictory and confusing information. Sallie Mae never responded to my formal letters, in violation of Massachusetts consumer protection law.

Sallie Maes pattern of unexplained account changes, inconsistent communication, and lack of documentation access suggests a servicing model that withholds essential information from borrowers while exhibiting loan management that is, at best, hard to properly account for and at worst, seemingly erratic. This creates clear consumer harm, which has impacted my ability to manage, refinance, or plan repayment on my student loans.

I respectfully request that the CFPB intervene, require a full response from Sallie Mae, and investigate these servicing patterns under its authority to oversee unfair, deceptive, and abusive practices. I am prepared to enter arbitration as per my promissory note, and I submit this complaint as both a record of harm and a request for regulatory support in holding Sallie Mae accountable.

Thank you for your time and consideration.

Sincerely, A student loan borrower from XXXX  that can be contacted anonymously at : XXXX Submitted XX/XX/year> 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 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a phone call from call from XXXX XXXX sheriffs dept claiming I skipped a federal jury summons and being held in contempt of court. I was given XXXX case numbers that had fines, was threatened to be arrested. The person knew personal information about me that most do not. I did send {$1000.00} via XXXX ( from my checking acct at Wells Fargo ) after them wanting more money I kept stalling until I walked in the XXXX XXXX courthouse. I made a fraudulent claim through my bank where I am waiting to get response back from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
As a former homeowner, this whole thing is a complete waste of my time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I went to XXXX XXXX for HELOC loan. The woman that did the loan made sure it was not over {$350.00} a month she did a good job including insurance in the payment. The loan was given to Shellpoint to manage the loan. I paid first payment XX/XX/XXXX the XXXX I get a message I haven't paid it. I got XXXX more before I sent them the receipt saying I paid XX/XX/XXXX. They still kept saying I didnt pay. I called 3 times could not get into my account and told by recording no agent was available. I finally called and got somebody I was going to make a {$400.00} payment was told they wouldn't accept it that when I found out my payment was {$590.00} dollars a month I told them my payments were {$350.00} dollars a month. I'm XXXXXXXX XXXX XXXX i'm on Social Security there's things that has happened in my life that would make youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I tried to explain it to them they dont want to hear it so I need some help.

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 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Nelnet improperly reported my student loans as delinquent following a servicer transfer despite my long-standing Income-Driven Repayment plan with a {$0.00} payment. I was required to pay multiple months at once, experienced credit damage, and was not properly reinstated into IDR before delinquency was reported. This reflects servicer mismanagement and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have been predatory lending on since XXXX  with XXXX XXXX being the XXXX XXXX XXXX and then an predatory lending balloon modification and have been transferred through about XXXX of their sister companiesI have told the XXXX XXXX XXXX XXXX and CFPB XXXX am currently under Shellpoint whom tells md today that I'm with XXXX  which has history of predatory lending and am in an battle with the fees and insurance premiums that I did not want that wet from {$3200.00} a year to {$7800.00} per year their raising the mortgage and want me to pay that for XXXX  months with XXXX XXXX  fees on XXXX the XXXX XXXX that's due in a few years. Please help me Didn't sign off on {$6900.00} insurance rate from {$3200.00} previous year as well as, my taxes are {$60.00} per year, I'm in the XXXX XXXX, Also many other unfair debt practices regarding foreclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Debt Validation Letter was provided but refused by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascent Holding Co
State: GA

Complaint narrative:
Ascent Funding recently reported a student loan I am co-signer for my son on as late to the credit bureau/s . I made numerous failed attempts to receive a deferment, forbearance, and renegotiate the terms of the loan ; over a period of several months. This all occurred during a time of significant hardship for my family and me. Ascent Fundings business practices are the worst in predatory lending, and its representatives are unable to help with consumer account concerns ; nor have the capability to locate colleagues within the company to do so, or assist with finding help from anyone within the company. I asked agents from several departments for assistance with the repayment of the before mentioned loan and was refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
On XX/XX/XXXX, a {$470.00} ACH payment from my Schwab Bank account ending in XXXX was returned with code XXXX Account Frozen. I contacted Charles Schwab multiple times to understand what was happening. They informed me that some restrictions on my account had been removed, but the account is still pending closure and I have not received clear information about when it will officially close. Schwab also closed access to my account, preventing me from using or accessing my funds, and I still do not know where the returned {$470.00} is being held or when it will be included in my final disbursement. Despite my repeated calls and requests for a formal ACH trace or claim, Schwab has not provided a timeline or written confirmation regarding the closure of my account or the return of my funds. I am requesting formal documentation of the returned funds, confirmation that the {$470.00} will be included in the final disbursement, and a clear timeline for the account closure.

Company response to consumer: Closed with explanation