vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Multiple phone calls with different call back numbers. The numbers left dont match Shellpoint Mortage Servicing Recovery Department XXXX- is a XXXX XXXX near XXXX Alaska listed on the letter. The other the call number registers but the call back number left is for XXXX or XXXX. There is no clear clarification on the letter what this debt is. Also the letter then states please be advised that we can not bring legal action to collect or threaten to do so because the statue of limitations has expired. Not sure if any of this is ligitment and want the harassment to stop. They have a current address in letter but used and address we haven't had in like 20+ years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marauder Corporation
State: TX

Complaint narrative:
Subject : Second Notice Failure to Respond to CFPB Complaint & Demand for Removal of Inaccurate Reporting To Whom It May Concern, This letter serves as a formal follow-up regarding my prior complaint submitted through the Consumer Financial Protection Bureau ( CFPB ), to which your company has failed to respond within the required timeframe. The accounts and associated late payment entries being reported by your company are inaccurate and are being furnished in error. Despite my dispute, you have failed to conduct a proper investigation or provide any verification of the reported information. Your failure to respond to a CFPB complaint and failure to verify the disputed information constitutes non-compliance with your obligations under the Fair Credit Reporting Act ( FCRA ). As a result, I am formally demanding the immediate deletion of : - All inaccurate late payment entries - Any negative account history associated with these accounts - Any tradelines that can not be properly verified Please be advised : - The disputed information remains unverified. - You have failed to meet required response obligations under a CFPB complaint. - Continued reporting of inaccurate or unverified information may constitute a violation of federal law. Additionally, I have demonstrated a strong history of financial responsibility, including paying off my auto loans and mortgage, and this reporting does not reflect my true credit standing. If these items are not removed promptly, I am prepared to escalate this matter further, including filing additional complaints and pursuing all available legal remedies. I expect written confirmation that the inaccurate reporting has been permanently removed from all consumer reporting agencies. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate information appearing on my credit report as a result of identity theft. Despite my efforts to resolve this matter directly with the credit reporting agencies and furnishers, the fraudulent accounts and/or information remain on my credit file. I have been a victim of identity theft, and the accounts in question were not opened or authorized by me. These items do not belong to me, and I am not responsible for any associated balances or activity. I have already taken the appropriate steps to report this identity theft, including filing a report with the Federal Trade Commission and, where applicable, submitting supporting documentation. I have also disputed these items with the credit bureaus ; however, they have failed to properly investigate and remove the fraudulent information. Under the Fair Credit Reporting Act, I have the right to an accurate credit report, and credit reporting agencies are required to conduct a reasonable investigation of disputed information. Additionally, under the Fair and Accurate Credit Transactions Act, identity theft victims are entitled to have fraudulent information blocked from their credit reports. I am requesting the following : Immediate removal of all fraudulent accounts and related information resulting from identity theft A thorough and proper reinvestigation of all disputed items Written confirmation that the inaccurate information has been deleted An updated copy of my credit report reflecting these corrections This situation has caused significant distress and potential harm to my financial standing. I expect prompt resolution of this matter in accordance with federal law. I have attached all relevant documentation supporting my claim, including my identity theft report and any prior dispute correspondence. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have reviewed my credit report and believe that this account contains errors that require investigation under the Fair Credit Reporting Act ( FCRA ) and Bill : S.3549, Predatory Lending Elimination Act ( 118th Congress , 20232024 ). I request that you investigate this matter and provide written verification of the validity of this account. If you find that any information is inaccurate or can not be verified, I request that it be corrected or removed from my credit report immediately.

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 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a credit card thru Synchrony Bank with Sams Club. When making a payment, it takes more than a week to process even though the money is gone from my bank account immediately. No information is provided to know when the payment is actually applied and takes way too long.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
After cancelling my Amex XXXX Account, Amex keeps sending paper advertising despite calling them to STOP, filing XXXX and FTC complaints ( which went ignored ) they continue to send mail to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMy home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for some strange reason they send mail to XXXX XXXX XXXX to my home address ) I called many times over past year and despite being assured they took care of it and informing me that it will take affect within 90-Days, the mail continues. I don't know what else to do, this is absolutely against the law, when a person says stop sending me mail advertising, they do not stop. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
I am filing a complaint regarding a misapplied ( or unapplied ) loan payment by GoodLeap related to a solar loan I assumed during a home purchase. At closing on XX/XX/year>, the title company issued a principal reduction payment in the amount of {$13000.00} to GoodLeap on my behalf. This payment was intended to reduce the outstanding balance of the solar loan associated with the property. As of today, more than one month later, this payment has not been applied to my loan balance. I have contacted GoodLeap multiple times and was informed that a ticket has been opened ; however, I have not received any clear explanation regarding the status or location of these funds. GoodLeap has failed to : Properly apply a confirmed payment to my loan Provide transparency regarding whether the funds are being held in a suspense or unapplied account Resolve the issue within a reasonable timeframe This delay is causing financial harm, including potential inaccurate loan balances and concerns about improper billing or late charges. I am requesting the following resolution : Immediate confirmation of receipt and deposit of the {$13000.00} payment Full accounting of where the funds are currently held Immediate application of the payment to my loan balance Written confirmation of the updated principal balance Assurance that no negative reporting, penalties, or late fees will result from this error This matter has been pending since early XX/XX/year>, and I am requesting urgent intervention to resolve this issue. I can provide closing documents and proof of payment upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Company : Barclays Bank Delaware Product : Credit Card Issue : Credit limit decrease / account management / unfair treatment Complaint : I am filing this complaint to request a formal review of repeated adverse actions taken by Barclays over a 15-year period across multiple credit card accounts. I have maintained a consistent history of responsible credit use, including on-time payments and full repayment of balances. At no point have I demonstrated a pattern of delinquency or default. Despite this, Barclays has engaged in a repeated pattern of behavior across several accounts, including my JetBlue credit cards, XXXX XXXX XXXX XXXX XXXX, and previously a XXXX XXXX. This pattern includes significant credit limit reductions over time, followed by account closures or forced inactivity, even after responsible usage and repayment. Specifically : My XXXX XXXX account was reduced over time from approximately {$700.00} to {$200.00} and ultimately rendered unusable My XXXX account experienced similar reductions, leading me to close the account voluntarily due to lack of utility My JetBlue credit account was reduced shortly after I accepted and used a balance transfer offer A similar pattern occurred previously with a XXXX card after full repayment These actions have had a direct and measurable negative impact on my credit profile, including an approximate XXXX drop in my credit score, at a time when I am activelXXXX XXXX XXXX XXXX XXXX XXXX XXXX. During my recent conversation with a Barclays representative, emphasis was placed on isolated and minor negative items, including a {$63.00} late payment while I was out of the country and aged collection accounts that are nearing expiration. However, my long-standing positive payment history over more than a decade was not meaningfully considered. The repeated nature of these actions across multiple accounts over a 15-year period raises serious concerns about the fairness, consistency, and transparency of Barclays credit risk practices. I am requesting : A full review of all adverse actions taken across all of my Barclays accounts Consideration for reinstatement of prior credit limits where applicable A written explanation addressing the repeated pattern of credit limit reductions and account closures following responsible usage and repayment I am formally exercising my rights as a consumer and request a thorough and do

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
Delay payments too my account chime had a outage problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I purchased an item on XXXX and paid through PayPal on XX/XX/year> for {$100.00} ( Transaction ID : XXXX, PayPal XXXX ID : XXXX ). The seller provided a tracking number showing the item as delivered ; however, XXXX confirmed the package was delivered to a different address in a different city ( XXXX XXXX XXXX ), not my address ( XXXX XXXX XXXX ). This is a fraudulent practice involving fake tracking numbers assigned to the same ZIP code but a different address, designed to mislead buyers and circumvent PayPals protections. I submitted multiple pieces of evidence to PayPal, including XXXX confirmation and documentation showing the XXXX listing was removed for policy violations. Despite this, PayPal denied my claim and closed the case, incorrectly stating that I did not respond. This represents a procedural error and a failure to properly investigate reported fraud. PayPal relied solely on ZIP code verification and failed to confirm the actual delivery address, ignoring clear evidence that the item was not received by me. I am requesting a full review of this case, verification of the actual delivery address with XXXX, and a full refund for an item not received. This transaction constitutes fraud, and PayPal failed to fulfill its obligations under buyer protection. Immediate corrective action is warranted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: WI

Complaint narrative:
b'I am submitting a complaint regarding my mortgage servicers assessment of repeated Attorney Expense Disbursement fees that appear to be improper, unsubstantiated, and unrelated to my individual property.\n\nThe servicer has charged separate fees ranging from $XXXX to $XXXX (totaling $XXXX) for alleged attorney-related expenses tied to municipal hearings. These charges have been applied without any itemized billing, invoices, or supporting documentation.\n\nAfter trying to address this issue via telephone (customer service), I submitted (mailed on XXXX XXXX XXXX) a Qualified Written Request (QWR) requesting detailed information about these charges, including invoices and descriptions of services performed. The servicer acknowledged the request but failed to provide the requested documentation while continuing to assess additional charges.\n\nCharges:XXXX Attorney Expense Disbursement XXXX Attorney Expense Disbursement XXXXAttorney Expense Disbursement $XXXX (appears to be double charge of XXXX Attorney Expense Disbursement $XXXX (this XXXX fee was charged on the same day they acknowledge receipt of the first QWR letter and stated they would investigate the matter)\n\nImportantly, the underlying municipal matter involves code violations related to common elements of the condominium property, which are the responsibility of the condominium association (XXXX), not my individual unit.\n\nDespite this, the servicer is charging me individually for legal expenses without explaining:XXXX Why these actions were necessary to protect their interest in my specific unit\XXXX Why I am responsible for costs associated with XXXXXXXXmanaged common areasXXXX Whether these services were duplicative of efforts already undertaken by the association\n\nThe repeated use of identical flat fees without documentation raises concerns that these charges are not based on actual services performed.\n\nI believe the servicer may be violating federal servicing rules under RESPA byXXXX Failing to adequately respond to my QWRXXXX Failing to provide requested documentationXXXX Assessing fees that are not properly substantiated\XXXX Charging fees that may not be reasonable or authorized\n\nI am requesting that the servicer:\n\n1. Provide full itemization and supporting documentation for all charges\n2. Explain the legal basis for assessing these fees to me individually\n3. Remove any charges that cannot be substantiated or are not properly authorized\n\nI request a full investigation into this matter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
XXXX XXXX is attempting to collect a disputed deficiency balance of {$24000.00} after repossessing and selling my XXXX XXXX XXXX XXXX. The auction sale proceeds were only {$20000.00} ( their records ), but XXXX Clean Retail value was ~ {$30000.00} in XX/XX/XXXX a $ XXXX shortfall. Under XXXX law ( KRS 355.9-626 ), the sale was not commercially reasonable, making the deficiency not owed in full. I disputed this multiple times since XX/XX/XXXX ( emails and mail ). They provided partial validation ( loan agreement + payments ) on XX/XX/XXXX, but ignored requests for auction proof ( ads, bidders, condition report ). Responses since then : only call us emails or silence. Debt remains unvalidated per FDCPA 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX Midland credit management XXXX XXXX XXXX and XXXX XXXX Unable to pay or not my fault

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CO

Complaint narrative:
My personal and financial information was violated XXXX I request a full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: AL

Complaint narrative:
I had things removed from my credit file only to be readded dropping my score. I just recently tried to open my llc business account and was denied. I need this looked into and I'm being harassed by creditors.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding an auto loan account that is currently being reported with serious derogatory information, including charge-off and/or repossession status, without proper verification or supporting documentation. The account in question is : XXXX Auto Account No. XXXX This account is being reported without evidence that a reasonable investigation has been conducted or that the information is accurate and complete. To date, I have not received : - Documentation of the repossession process, including dates, authorization, and method of repossession - A complete breakdown of any alleged deficiency balance following the sale of the vehicle - Documentation showing how the remaining balance was calculated - A copy of any signed agreement or contract establishing liability - Evidence that the furnisher conducted a proper investigation as required under federal law Under the Fair Credit Reporting Act, specifically FCRA 611 ( a ) and 607 ( b ), all information reported must be accurate, complete, and verifiable. Additionally, under FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ), furnishers must not report inaccurate information or fail to properly investigate disputed information. The continued reporting of this account without adequate documentation raises serious concerns regarding the accuracy of the balance, the validity of the repossession reporting, and overall compliance with federal law.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: LA

Complaint narrative:
Thursday, XX/XX/XXXX at XXXX My old CASHAPP from XXXX has {$250.00} From it. They are telling me that I can NOT retrieve my money. Someone sent it to the wrong account. I contacted Cashapp XXXX by phone and XXXX chat. They all told me I cant do nothing about it. But, I even told them applying for cashapp they ask for all Legal information and I Can provide that. That money was sent for my new cars payment title! Now Im stressed. Please Help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
This complaint involves a collection account for {$1200.00} reported by Fair Collections & Outsourcing related to alleged apartment damages. A move-out walkthrough was conducted on XX/XX/year>, and signed by management showing a {$0.00} balance with no documented damages. All areas of the apartment were visible at that time. After move-out XX/XX/year>, charges were added for carpet replacement, vinyl flooring, fixtures, and bathroom repairs that were not documented during the walkthrough. I requested documentation supporting these claims, including inspection reports documenting damages, reason for replacement and photographs, but none has been provided. The landlords ledger reflects charges totaling {$1200.00} followed by write-offs reducing the balance to {$0.00}. I disputed this with the credit bureaus, and the account was verified without any documentation of damages or explanation of the balance. The amount being collected is unsupported, inaccurate, and misleading.

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