vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am working to resolve a charged-off XXXX XXXX account currently being handled by Transworld Systems Inc . I have already paid a substantial portion of the balance through a settlement arrangement and recently contacted the company to complete a final lump-sum payoff. 
During my communications, I requested written clarification regarding how the account would be reported to the credit bureaus upon resolution and whether the tradeline could be adjusted or deleted after payoff. The representative stated they could not provide any written reporting terms and only provided a case number. 
I am attempting to resolve the remaining balance responsibly, but I am seeking a formal written review of the credit reporting after payoff so that the reporting accurately reflects that the debt has been satisfied and no longer represents ongoing credit risk. 
I am requesting that the furnisher review the reporting and advise whether a reporting adjustment or deletion can be considered upon settlement.

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 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Hello, On XXXX I saw an ad on XXXX or XXXX for a XXXX XXXXXXXX XXXX, advertised at {$6500.00}. call the dealer in XXXX, we drove XXXX miles to XXXX XXXX XXXX. in XXXX, XXXX. Drove vehicle, they took my credit info.I could not take delivery of truck that day, my wife can not drive due to her XXXX. The next day we took a {$220.00} taxi ride back there. And after being told that everything was all set from an earlier that morning conversation, we were there for almost XXXX hours, and I still can not explain why. My wife was getting anxious and upset, and the last time that she got anxious, she had a XXXX, which required physical therapy. In the last XXXX minutes of the XXXX hours, they brought out the paperwork. I signed what I thought was exactly how they explained the deal earlier. I asked a question about the payment, which was beyond reason. But then and there, my concern was of my wife, more than the deal at hand. WE were stranded there, and how long before another taxi would show up to take back home. I just could not take the chance of a medical issue that far from home. I signed, and we drove home in the XXXX.The truck has only XXXX miles on only XXXX XXXX home, it never left my driveway since XXXX. And now to the contract.... the advertised price was {$6500.00}, now on the contract it is now {$8900.00}, there is no monthly payment amount, there is no term of the loan, how many months must I make payments? And there is a {$1100.00} addition for GAP, which was never discussed. I have contacted XXXX and XXXX to se if they can provide their original ad, with no response as of yet. I have also not received a response from the XXXX. which I contacted XXXX weeks ago. I have received a response letter from the Indiana Attorney General, which I also contacted. If my XXXX XXXX XXXX wife had no health issues, I would have gone to XXXX by myself, and would have questioned everything on the contract. This truck has XXXX miles on it, and {$6500.00} was an acceptable price. I feel that we were taken advantage, of because of our age. Please, give us any help that you can. Our e-mail is : XXXX and our Phone # is : XXXX. And also, the finance company, Credit Acceptance sent me letters for the first payment, and there is also no mention of term of loan, or interest rate, only that my payment is {$370.00} per month. There are no dates on any of their letters. Please help in any way possible...... Thank You, XXXX 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 2026-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/year>, I sent {$2000.00} via XXXX to an individual who was impersonating someone I know and fabricated a story involving a sick family member entering assisted living. 

Within approximately XXXX minutes of the transaction, I realized I had been deceived and immediately contacted U.S. Bank to report the fraud and request a recall. 

My claim was denied solely because the transaction was authorized. However, this was impersonation fraud, and I reported it almost immediately, creating a reasonable opportunity for mitigation. 

I am requesting : Documentation showing the exact time the recall was initiated Documentation of communication with the receiving bank Clarification of whether any mitigation steps were taken within minutes of my 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 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: WA

Complaint narrative:
My spouse and I requested an interest rate reduction from Westlake Financial under the Servicemembers Civil Relief Act ( SCRA ). The loan was originated prior to my entry into XXXX XXXX military service. 

After my spouse entered XXXX XXXX and completed a PCS move, I was required to leave my employment, resulting in a significant reduction in household income directly impacted by the military in which my spouse pays for my car loan.

Westlake denied the request on the basis the the application was submitted by a dependent, stating that SCRA protections apply only to service members who are parties to the obligation.

However, Westlake 's public SCRA eligibility page states that servicemember dependents may be eligible for benefits. We believe this representation is inconsistent with how our request was evaluated.

We are requesting a review under SCRA material effect provisions and clarification regarding the discrepancy between their public eligibility language and their denial determination.

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 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding the unexpected and unexplained closure of my XXXX XXXX & XXXX credit card account. The account was closed without my knowledge, without my consent, and without any notice being received. This closure appears inconsistent, arbitrary, and potentially in violation of federal consumerprotection laws. 

I only discovered the closure after the fact. I never received any Adverse Action Notice, as required under the Equal Credit Opportunity Act ( ECOA ) and Regulation B ( 12 CFR 1002.9 ). If Synchrony claims a notice was sent, it was never delivered, and I am requesting proof of mailing, including the date, method, and address used. The lack of notice deprived me of my right to understand the reason for the closure or to dispute any underlying issue. 

What makes this situation even more concerning is that I have another active Synchrony Bank credit card account that was not closed for inactivity. This inconsistency suggests that the closure of the XXXX XXXX account was not based on a uniform policy or legitimate business reason. It raises the possibility of an internal error, misclassification, or improper adverse action.

Additionally, the closure may have impacted my credit reporting. I am requesting that Synchrony confirm whether the account was reported accurately to all consumer reporting agencies, whether any negative information was furnished, and whether the closure resulted in the removal or suppression of the tradeline. If the account was not reported properly, this would constitute a separate violation under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the following relief : A full explanation of why the account was closed. 

A copy of the Adverse Action Notice, or written confirmation that none was properly issued. 

Proof of mailing if Synchrony claims a notice was sent. 

Correction of any inaccurate or incomplete credit reporting associated with this account. 

Reinstatement of the account, if appropriate, given that I maintain another active Synchrony account and have not engaged in any conduct that would justify closure. 

A written statement confirming that no negative information related to this closure will be furnished to any credit bureau. 

Synchrony Banks failure to provide proper notice and its inconsistent handling of my accounts have caused confusion, inconvenience, and potential credit harm. I am requesting CFPB assistance to ensure Synchrony complies with its obligations under ECOA, Regulation B, and the FCRA.

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 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: CT

Complaint narrative:
On or about XX/XX/XXXX, Williams & Fudge Inc. reported an alleged debt to the credit bureaus under Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe this debt is the result of identity theft or fraud. 
On XX/XX/XXXX, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I subsequently submitted written disputes via certified mail to all three major credit bureaus : XXXX  ( received XX/XX/XXXX ), XXXX  ( received XX/XX/XXXX ), and XXXX  ( received XX/XX/XXXX ). All three bureaus investigated and permanently deleted and blocked the disputed items from my credit reports in XX/XX/XXXX pursuant to FCRA Section 605B. 
On XX/XX/XXXX, I sent Williams & Fudge Inc. a formal debt validation request via certified mail, as required under the FDCPA, 15 U.S.C. 1692g. In my request, I specifically asked for five categories of documentation, including : A copy of the original signed contract or agreement bearing my signature Proof of legal authority to collect the debt ( assignment, transfer, or purchase agreement ) Williams & Fudge Inc. responded to my request but failed to provide items # 3 ( signed contract ) and # 4 ( proof of legal authority to collect ). Their response is therefore incomplete and does not constitute adequate validation under the FDCPA. 
Despite the incomplete validation and the fact that all three credit bureaus have already removed this account due to identity theft, I am concerned that Williams & Fudge Inc. may continue collection efforts or attempt to re-report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding the conduct of a third-party debt collector National Credit Systems in connection with an account they are attempting to collect. 
On XX/XX/year>, I contacted the agency to inquire about resolving the account with balance of {$1200.00}. During that call, I first asked whether it was possible to settle the debt for a lesser amount, as I believe certain charges may be invalid. I was informed that settlement was not an available option. 

Following that discussion, I requested a payment plan over XXXX months in order to resolve the balance in full. The representative explicitly acknowledged and agreed to this two-month arrangement. I was then informed that I could make payments through the companys online portal using either a mobile device or computer. 

I was provided written instructions explaining how to log in to the portal ; however, the required default password was not included in the documentation. Because the portal requires this default password in order to create a personal password, I was unable to access the system or make any payment. I provided the document sent to me and a screenshot of the website showing that I can not access account without default password the agency has to provide. 

I called the agency to request the missing login credentials so I could proceed with the agreed-upon payment plan. During that call, the representative stated that I would instead need to pay the balance in full over the phone. When I reiterated that a two-month payment plan had already been discussed and acknowledged, and that I was attempting to use the online portal as instructed, she informed me that if I did not have a debit card, " I could not even use the online platform anyway ''. This statement was inappropriate and irrelevant, as I may choose to use a credit card/ACH or any other accepted payment method. 
When I did not agree to pay the full balance over the phone, the representative terminated the call midsentence. I called back shortly thereafter and was informed that she was at lunch. I proceeded to request a manager and was told " the entire team was on lunch '' and there was no one to speak to at that time. I have a documented correspondence via email requesting login info and have not received response from management or customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portnoy Schneck, L.L.C.
State: NY

Complaint narrative:
The account was charged off so the company sent me a letter telling me I had to pay a bill and they added extra charges supposedly for their fees or costs telling me they were going to garnish my rates

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I purchased a homeowners policy through XXXX XXXX XXXX with dwelling coverage of {$390000.00}, which my mortgage lender required be increased to {$500000.00} to meet 100 % replacement cost. Over the next XXXX years, XXXX automatically inflated the dwelling coverage to {$740000.00} using flawed third-party data from XXXX XXXX , without my consent and without any physical inspection. The XXXX report contained errors, including listing my roof type incorrectly. 
In early XXXX, XXXX cancelled my policy because they no longer cover flat roof properties. PennyMac then force-placed hazard insurance at the {$740000.00} dwelling coverage amount with an annual premium of {$5100.00}. On XX/XX/XXXX, I called PennyMac and spoke with a representative who confirmed that force-placed coverage is automatically set to match the prior policy amount with no independent assessment of whether the amount is reasonable. The representative acknowledged that my prior insurer " provided more coverage than you ever actually needed '' but stated the force-placed policy can not be adjusted once placed. 
On the same date, I obtained a new policy through XXXX XXXX at a dwelling coverage of {$470000.00} with a premium of {$2800.00} per year, which PennyMac confirmed " is more than sufficient. '' The {$260000.00} difference between the force-placed coverage and the actual replacement cost resulted in approximately {$1900.00} in excess premiums over XXXX  months. 
The inflated insurance premiums, compounded over years through escrow, have caused severe financial harm. My monthly mortgage payment increased from {$1800.00} at origination to {$3200.00}. My escrow account has been continuously negative since XX/XX/XXXX, reaching a low of negative {$14000.00}. I have been assessed {$380.00} in late fees and {$25.00} in NSF fees as a direct result. 
I filed a formal Notice of Error under 12 C.F.R. Section 1024.35 with PennyMac on XX/XX/XXXX, requesting a refund of excess force-placed premiums, reversal of all late fees and NSF charges , and a corrected escrow analysis. PennyMac has not yet responded. I have also filed a complaint with the XXXX Insurance Administration regarding XXXX 's role in the overvaluation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: CA

Complaint narrative:
A rental-related account was placed into collections even though the tenancy had already been the subject of litigation and was later resolved by a signed settlement and release. The collection tradeline first appeared around XX/XX/year>, months after I vacated the unit due to habitability issues and while the matter was already being resolved. 

A settlement and release was fully executed on XX/XX/year>, extinguishing any alleged balance. The collection agency was provided notice of the settlement and documentation by certified mail along with a written dispute requesting deletion and correction of credit reporting. Despite receiving this information, the company continued to report and/or verify the account as an active negative collection. 

The tradeline continues to persist until this day as an active collection and actively a negative impact on my credit report, even though the underlying matter was settled and the alleged debt should no longer exist. The company has not provided meaningful validation or a clear explanation for continuing to report the account after receiving notice of settlement. 

I am seeking correction of inaccurate reporting, deletion of the tradeline from all credit bureaus, and confirmation that no further collection activity will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
My account was closed due to Violation Terms of Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Understandably we fell behind in our card, and are pulling ourselves together. However the standard is a card is to be charged off after XXXX  days and Concorda has abused that right and continually charging multiple fees and interest which makes the card impossible to pay. I request the account be looked at and handled correctly as this is hurting me, my family and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I posted an item to sell thru the XXXX app for the very first time. I did not know my email address was going to be phished as it was automatically used as a user name with XXXX. XXXX seconds after I posted my item to sell I received XXXX emails back to back saying they wanted to buy and then my item found a home and for cme to click on the hyperlink to verify my card info to get verified to receive payment. I was sent numerous texts and had to enter codes verify amount in my account bmo is my main account and they wouldn't verify. I was asked for another form of payment and was told I had to have a minimum of {$300.00} in my acct to use the source I transferred money to my chime account and within minutes $ XXXXwas stolen. I contacted chime immediately. I kept screen shots of the conversations and transactions.as well as emails to prove I authorized charges but it was Fraud-induced authorized transaction due to misrepresentation. Chime notified me XXXX  days later claim was denied as there was no errors. I have a police report filed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
XXXX XXXX and my mom which she has now passed away and put some credit cards in my name and I tried to explain to them that XXXX XXXX with the learning XXXX I had no idea

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: NY

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