vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
OneMain Financial issued me a written settlement offer to resolve my loan for 75 % of the balance. The offer showed a settlement amount of {$1000.00} with a deadline of XX/XX/year> and stated that no further payments would be required once paid. 

I accepted the settlement and made a lump-sum payment of {$1000.00} on XX/XX/year>, which OneMain accepted. This amount was consistent with the settlement offer and reflects payoff behavior.

After accepting my settlement payment, OneMain failed to close the account, continued to demand additional money, and began reporting late payments and a remaining balance to the credit bureaus. When I contacted OneMain, I was told I must pay {$100.00} more for them to correct the account and credit reporting.

This is the second time OneMain has engaged in this behavior : issuing a payoff/settlement, accepting payment, then later demanding more money and reporting negative credit information.

I dispute any remaining balance. The loan was settled pursuant to OneMains written settlement offer, and continued billing and negative credit reporting are inaccurate and misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
On XX/XX/year>, I sent Firstsource Advantage , LLC a written Notice of Dispute, Demand for Validation, and Cease-Communication Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c ( c ) and 1692g. The notice was sent via certified mail and electronic mail.

Despite receipt of that notice, Firstsource Advantage , LLC continued collection activity by sending me a settlement offer email dated XX/XX/year>, attempting to induce payment on the alleged debt. 

This communication occurred after I directed the company to cease all communications and while the debt was disputed and unvalidated. Continued collection activity after a valid cease-communication notice violates the FDCPA, including 15 U.S.C. 1692c ( c ), 1692e, and 1692f.

I preserved copies of the cease-communication notice, proof of delivery, and the post-notice settlement email. I am requesting that Firstsource Advantage , LLC be required to immediately cease all collection activity, comply with the FDCPA, and take corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MS

Complaint narrative:
I am asking that the Late payments be removed for XX/XX/year> & XX/XX/year> Never received notice that Greatlakes student loan account was being transferred to Nelnet until XX/XX/year> Account were already reported late 15 U.SC 1666B Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: AL

Complaint narrative:
PayPal permanently limited my U.S. account in 2021 and stated my balance would be available for withdrawal after 180 days. It has now been over five years. 

My balance of USD XXXX is still visible, but PayPal refuses to release it and will not provide a legal basis or timeline. 

PayPal has not stated that the funds were forfeited, seized, or used for damages under the User Agreement. I am requesting regulatory assistance to compel PayPal to release my funds or provide lawful justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Nexus Nova LLC
State: LA

Complaint narrative:
Since XX/XX/year>, XXXX Mortgage has attacked my credit score dude to non payment. In XX/XX/year>, I emailed copies of all payments and asked thy correct their records and correct my credit score. They've acknowledged receipt and have not provided progress to resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX of 2025 my us bank account was compromised without my knowledge in the beginning when I became aware I contacted us bank very devastated by this they closed all accounts immediately which they said the reason is because someone has my information what was more devastating is they didnt open my account a back putting me in a further hardship I then went to another bank account to open they told me I was in a XXXX XXXX or XXXX  XXXX  account I contacted them they said I had a balance on the account and it stated hatch comments that are not true about my account like account abuse I never abused my account and I paid the fees to the account I am very saddened that being a victim of identity theft has lead to this I would like us bank to take knowledge of this and remove the false comments so I can open an account I would like this information removed and blocked or I will take legal action as I am the victim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I tried to understand why they were calling, they called 4x in under a minute. There is no reason for this! Credit management XXXX shows out of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I disputed a item and it shows back up on my XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: WI

Complaint narrative:
# 1 ) I have been disputing {$5100.00} owed to XXXX XXXX  on behalf of XXXXXXXX XXXX XXXX  and through XXXXXXXX XXXX XXXX  since day ONE of unfinished installation of vinyl flooring, damaged done to my home, and mix matched planks. The original amount was {$5600.00} which XXXX XXXX  took back from XXXX 's XXXX  on behalf of XXXX XXXX  XXXX. Unfortunately, a month or two later of my complaint in XX/XX/XXXX, XXXX XXXX gave {$5100.00} to XXXX XXXX XXXX without my permission or without my notice. I made a complaint to CFPB on XX/XX/XXXX and it has been closed and removed from my credit bureau. Now I have Client Services , Inc. ( XXXX ) a debt collector that is trying to receive {$5100.00} + on behalf of XXXX XXXX. I Do NOT understand why they have a collections agency coming after me when this incorrect amount of debt was removed from my credit report. # 2 ) I am Also wondering if it is legal for XXXX XXXX  to CLOSE ALL my Accounts due to their error of XXXX XXXX  XXXX. They Closed All my XXXX XXXX  XXXX XXXX with other financial institutions which looks like I am at fault which I am NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Breakdown of current situation : - Credit card was opened at XXXX XXXX in XX/XX/XXXX to pay for a purchase after shopping - 2 payments were made towards this purchase and a subsequent purchase at XXXX XXXX in XX/XX/XXXX was made via my bank 's Bill Pay service - First payment was made on XX/XX/XXXX for {$140.00} by electronic payment to Comenity Bank - Second payment was made on XX/XX/XXXX for {$180.00} by electronic payment to Comenity Bank - Payments were unfortunately made via the electronic payments to a closed XXXX  credit card account of mine instead of the new account - old account was closed in XXXX - Comenity representitive called me in XX/XX/XXXX saying that my payments were late and that I needed to pay them - I informed them that I had paid them and proceeded to look into the matter- I contacted my bank and they produced proof of electronic payment for both of the charges and it can be seen on my bank account statement that the money had been removed from my account - Comenity bank has been unwilling to work with my bank, nor me to investigate where the payments were deposited and told me that they can not look up my prior account, even given my social security number - My bank has tried to work with them to resolve this and they keep giving the same scripted statement that they need to " see the paper check '' -- there is no paper check as they have been told because it was electronically transferred. 
- At this time, I am reaching out to seek help in this matter as Comenity bank keeps sending me bills for the account, calling me and threatening to send me to collections and over the weekend found my husband 's cell phone number and called him to tell him that payment is needed and that they are sending me to collections. 
- I contacted XXXX XXXX corporate to see if they can help me and am told they can't - My bank has tried as well to give them proof of payments and they say it is not enough - Meanwhile they are telling me that my account is now close to {$500.00} delinquent and they are going to send me to collects - I have outstanding credit history - This is fraudulent that they will not work with me nor my bank to resolve and am told by them that I can not speak to someone in their dispute department, I can write a letter if I'd like, is what I am told.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting this complaint against Synchrony Bank regarding my XXXX Rewards points associated with my Synchrony Bank credit card account. 

After I lost my card, I requested and received a replacement card from Synchrony Bank. Immediately after the card replacement, my accumulated XXXX Rewards points became unusable on my XXXX account. Although the rewards balance is still clearly displayed on my Synchrony Bank credit card account, the points do not appear or can not be redeemed on XXXX. 

These rewards were earned through legitimate qualifying purchases. There was no fraud, misuse, or violation of any card or rewards program terms on my part. The issue occurred only after the replacement card was issued. 

I have contacted support, but the problem has not been resolved. Synchrony Bank has failed to restore my access to the rewards or provide a clear explanation for why the rewards are not available for use.

I am requesting that the CFPB review this matter and require Synchrony Bank to : 1. Restore full access to my earned XXXX XXXX points, and 2. Provide a clear written explanation of why the rewards became inaccessible after the card replacement.

I have attached documentation showing the rewards balance appearing on my Synchrony Bank account while being unavailable on my XXXX account. 

Thank you for your assistance. 

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 2026-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-01-26 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I RECEIVE A CALL FROM A COMPANY XXXX XXXX XXXX, MEDIATION IN WHICH, I SEARCH AND FOUND OUT THAT ITS A FAKE COMPANY, A SCAM. THEY COULDN'T GIVE ME ANY INFO TO ANY QUESTION I ASKED .. THEY CLAIM I HAD A CREDIT CARD WITH BANK OF AMERICA XXXX I HAVE NEVER HAD SUC H A CARD. THEY ARE SENDING ME PAPERS TO APPEAR IN COURT. I DON'T HAVE ANY ACCOUNT WITH BANK OF AMERICA.. I NEED THESE SCAMMERS TO LEAVE ME ALONE. I HAVE MY CREDIT REPORT AND BANK OF AMERICA IS NOT LISTED ON EITHER REPORT.I KNOW THESE PEOPLE ARE SCAMMERS AND I WILL NOT SEND NO ONE ANY MONEY AT ALL.THEY HAVE THE LAST XXXX DIGITS OF MY SS AND MY MAILING ADDRESS. THEY ALSO GAVE ME A CREDIT CARD NUMBER, BUT DOES NOT KNOW WHEHER ITS A CREDIT CARD OR A DEBIT CARD. NO INFO ON THE BANK OR ADDRESS OF THE BANK, NO PHONE NUMBER, NO DATES WHEN THIS OCCURRED.THEY CLAIM THE SENT OUT A LETTER BUT I DIDNT RECEIVE IT AT ALL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Several weeks ago, I received an email from Chase XXXX alerting me that my credit card limit would be reduced and that their actions would be report to XXXX. 

I've Never been late and have always paid balances before due dates with Chase XXXX. 

For many years, my overall credit score with XXXX  has averaged at XXXX. 

Chase XXXX XXXX unfair actions have literally XXXX my credit score while showcasing to other financial institutions misleading data specific to my credit history with Chase.

During a conversation with Chase Customer Service on XX/XX/year>, the Chase employee repeatedly mentioned that I failed to make purchases with my Chase XXXX. 

I mentioned to the Chase employee that I receive XXXX XXXX deliveries almost on a weekly basis, spending hundreds of dollars that are always paid back before the due date. 

Chase XXXXXXXX XXXX  defaming of my financial character is mean-spirited and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX - around XXXX  - i called citi to close my XXXXXXXX XXXX XXXX. I did not want the card, more so because of the fees, but also to manage my finances. 

In XX/XX/XXXX, i saw an unexpected email saying my account is past due. I was surprised, and when I logged in to my citi online account, ( i have another creidt card with them ), i was surprised to see that my XXXX  XXXX  was still active/ open. I had been charged an annual fee + late fee + interest. 

On XX/XX/XXXX, i called into citi to explain the situation. I spoke with XXXX. XXXX said that he can not see the call record from XXXX  XXXX i told him that we can not fix the past, but we need to fix the error, make it XXXX balance, and close my credit card account. He tried to sell me another no fee card to avoid the fee. I told him i did not want another credit card, but that I wanted to close my account- with a XXXX balance. 

XXXX closed the account & told me I still have to pay the fee as it is a valid charge ( aka he did not fix the errror, because I refused to take another credit card from him!! ) I spoke to his supervisor XXXX ( ID : XXXX ). XXXX basically reiterated all that XXXX had told me; and said eh can not waive the fee because the Account is Closed. I was quite frustrated because the account should have been closed with a XXXX balance. I asked him if there was any way for him to fix XXXX  's error because XXXX  closing the account with a balance ws not authorized by me. I wanted to close the account, after he fixed the errors on their end. 

I told him i wanted to file a formal complaint, and XXXX, after about 10 minutes on hold, gave me a XXXX XXXX XXXX when I googled, that address seemed incorrect. So i asked if there was an ombudsman or someone at citi I could contact. And the call was disconnected. 

I do not wish to do any more business with citi and will be closing my other account as well. 

In the meantime, i would need your help to ensure they waive the fees that were no legitimate and they dont mess up my creidt. To confirm, after XX/XX/XXXX, i had not used my card at all for any transaction. the only transaction that popped up unexpectedly ( as to my knowledge the account was closed ) wwere their fees ( again, should not have come up if the account was closed ). If there was an error - citi should be fixing it. its criminal that they are hold my credit score hostage for illegitimate fees - unless i buy another financial product ( no fee card ) from them. Not ethical at all.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Alliance, Inc.
State: MA

Complaint narrative:
I dispute Second Alliances authority to collect and report this account, which arises from institutional tuition charges associated with XXXX XXXX XXXX XXXX. 

I previously disputed the debt in writing and requested validation and documentation substantiating the amount owed and Second Alliances authority to collect and report it. In a prior CFPB response, Second Alliance claimed that validation materials were mailed ; however, no validation or documentation was ever received by me. 

Despite the dispute remaining unresolved and despite the absence of any validation being successfully delivered, Second Alliance re-reported a collection tradeline to my credit report in XX/XX/year>. This tradeline had previously been removed or suppressed and reappeared without notice. 

The re-reporting caused a significant and measurable credit score decrease of approximately XXXX points. This adverse reporting occurred while the debt remained disputed and while related litigation was pending. 

Attempted validation that is not received does not resolve a dispute. Re-reporting a collection without first providing verification is improper and harmful. I am requesting removal of the collection tradeline and confirmation that no further adverse credit reporting will occur unless and until the debt is properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
In XX/XX/XXXX, I rented the apartment. I paid a two-month deposit, which I did by money order. My contract ended in XX/XX/XXXX, and I left the apartment with the security deposit to be debited from the month 's rent. The XXXX XXXX administration is not responding to me. They only clarified that in XXXX or years before, there was a person in charge of administration whom they fired for stealing the security deposits of new tenants. Today, they didn't call me, so I decided to move out XXXX YEARS LATER. They told me what happened on the same occasions, and there is no way for me to recover the money to be debited from the deposit. To date, they have not called me to resolve the problem.

Company response to consumer: Closed with explanation