vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: AZ

Complaint narrative:
* * Complaint Against : Mosaic ( Solar Loan Servicer/Lender ) * * * * Issue : Reporting and attempting to collect on a loan for goods/services never received * * I am filing this complaint regarding a solar loan serviced/owned by Mosaic. I am being held responsible for a loan tied to a solar installation that was * * never completed and for which I never received any goods or services * *. The solar company associated with this loan is now out of business. No solar system was ever installed on my property, and no equipment was delivered. I did not sign any completion certificate, nor did I authorize finalization of any project. I have obtained written documentation from XXXX XXXX explicitly stating that * * no goods or services were ever received * *. This documentation was provided to Mosaic, yet they continue to report this account on my credit report and/or attempt to collect on this invalid debt. Mosaic has failed to provide : * Proof of installation * Proof of delivery of goods * A signed completion certificate * Any documentation demonstrating that the contracted services were fulfilled Despite being given clear evidence that the underlying transaction was never completed, Mosaic continues to report this account, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, under the FTC Holder Rule, any lender or holder of this consumer credit contract is subject to the same claims and defenses I have against the original solar company. Since the solar company failed to deliver the contracted services, I dispute the validity of this debt in full. * * Requested Resolution : * * * Immediate deletion of this account from all credit reporting agencies * Written confirmation that I am no longer responsible for this debt * Cessation of all collection activity related to this account If Mosaic is unable to provide verifiable proof that the solar system was installed and accepted, this account must be removed. I am prepared to pursue further action under federal and state consumer protection laws if this matter is not resolved promptly. * * Supporting Documentation Attached : * * * Letter from XXXX XXXX confirming no goods/services were received * Any relevant contract and correspondence I expect a prompt investigation and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
Synchrony go benefits protection program keeps telling me that I need things so I got all the information that they asked for then they said that the information I provided ( that they asked me to get ) didnt have the right information in it so they asked me to go and get additional information. Then I present that and then they need something else from a different third party- so I do that. Its just a sick cycle of sending me to do things or change things from what they instructed the time prior. I have been doing 3 years of tasks they need me to do just to continually get denied. When I have been told by countless representatives that all I need is XXXX XXXXo I get XXXX then they say that is wrong. Then I make their corrections and they keep making up excuses why they arent providing the protection I pay for. Its a dishonest program and extremely scammy.

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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Issue : Incorrect information on credit report Company : Experian Complaint Narrative : I am filing a formal complaint against the credit reporting agencies Experian , XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ). I have disputed inaccurate and unverified accounts on my credit report multiple times. Despite my disputes, the credit bureaus have continued to report these accounts as verified without providing any evidence or documentation supporting their accuracy. The accounts include : XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX The credit bureaus have failed to comply with their obligations under federal law, including : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification They have not provided : The method of verification The identity of the party who verified the information Any documentation used to verify the accounts Instead, they appear to have relied solely on automated responses from furnishers, which does not meet the legal standard for a reasonable investigation. This conduct is causing ongoing harm to my creditworthiness and financial opportunities.

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 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunbit, Inc.
State: MI

Complaint narrative:
I disputed a Sunbit account for a XXXX XXXX that was never provided. The XXXX was extracted instead. I contacted Sunbit multiple times in writing and received no response. The original dental office is now closed, making verification impossible. Despite this, Sunbit continues to report negative information and attempt collection. XXXX denied my dispute without proper investigation. This account is inaccurate and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems ( NCS ) is reporting a debt that does not belong to me. The account is associated with XXXX XXXX XXXX, a property where I have never lived, applied to live, or signed any lease agreement. I have no relationship with the original creditor or with XXXX. In or around XX/XX/year>, I sent NCS a written dispute and a request for validation under 15 U.S.C. 1692g ( b ). I specifically requested : A copy of the signed lease agreement... Proof of assignment or ownership of the debt... Itemized charges from the original creditor... An explanation for conflicting dates reported to the credit bureaus NCS did not provide any of the required documentation. They either sent no response or sent documents that do not meet the legal definition of validation ( such as internal statements or computer-generated summaries ). They have not produced a contract with my signature or any evidence linking me to this debt. Despite failing to validate the debt, NCS continues to report this account tXXXX XXXX XXXX XXXX XXXX The information they are furnishing contains inconsistent and inaccurate dates, including conflicting Date Opened and Date Last Active fields across the XXXX bureaus. This violates : 15 U.S.C. 1692g ( b ) continuing collection activity without validation 15 U.S.C. 1681s2 ( a ) furnishing information known to be inaccurate 15 U.S.C. 1681s2 ( b ) failing to correct inaccurate information after receiving a dispute I have disputed the account with all three credit bureaus. They reported that NCS verified the account, even though NCS has not provided any documentation to me or to the bureaus proving the debt is mine. What I Want : I am requesting that the CFPB require National Credit Systems to : Provide proper validation of the alleged debt or A debt collectors statement printout is NOT Proof Delete the account from all credit bureaus if they can not validate it I am also requesting that the credit bureaus remove this account from my credit reports due to a lack of validation and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I filed a dispute with the debt collector explaining that the charges from the hospital were wrong ( they may have me under XXXX XXXX ). The hospital charged and billed me for something that I had told them if it wasn't covered by my XXXX and XXXX then do Not give that or do that procedure to me. Apparently either the hospital either billed the XXXX wrongly or the hospital fraudulently billed me against my statement cause I told them I was Not and could Not pay for anything not covered by my insurance. So the hospital sent the bill to the debt collector and they ( the collector ) damaged my credit rating severely. Took me from a XXXX score to a XXXX score severely limiting my ability to survive in this economic environment today. The debt as far as I can tell is {$190.00} on 2 different days of unaproved charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX XXXX XXXX I contacted a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX told me he would talk to the XXXX and give me a call back with details of payment and meeting. I was informed that the bond would be {$280.00} and was waiting for his call back. Later, around XXXX, a XXXX phone number reached out to me and told me he was the owner of the company XXXX XXXX XXXX and would be dealing with the bond in question. He told me that in addition to the {$280.00} there was traffic violations on file that would bring the total to {$600.00}. The man claiming to own the XXXX company I originally contacted, told me that his office was currently closed due to it being a Sunday and the only way for me to get a receipt and get paperwork filed promptly would be to send money virtually, using XXXX XXXX XXXX XXXX XXXX I told the man I felt uneasy about the situation and asked him to prove to me who he was to make sure that his credentials were legitimate. The man sent me photos via text message of a Conditional Release Order with a judges signature, the family members personal information, the state of alabama and XXXX XXXX XXXX system information on it. The documents, that I did read through, looked to be authentic and seemed to prove the validity of him being the owner of the bonds company. The transactions of {$100.00} via XXXX XXXX and {$500.00} via XXXX to this imposter scammer was induced fraudulently. A short while later, thinking this man was getting my family member out of jail, the real and original XXXX called me and asked for the {$280.00} for the bond and organized a meeting spot at the local police department to meet. I immediately called Regions and reported the fraud. To my dismay and blatantly at the fault of Regions employees, my account was not frozen or paused. The imposter scammer had gained access to my XXXX, and sent themselves another {$500.00} the next day, as {$500.00} is the daily XXXX limit. When realizing another fraudulent charge went through my bank account, I called regions and they finally locked my account. Dispute was filed for these fraudulently induced charges brought about by an imposter scammer pretending to be the owner of the bonds company who provided falsified government documents to me. The Police report I filed about this fraud was sent to Regions via XXXX, AL XXXX, in person. A report to the XXXX was also filed regarding this situations. The {$100.00} of XXXX XXXX money was conditionally placed in my bank account. The dispute with Regions was denied and they refuse to reimburse my money in the totally of {$1000.00}. Disregarding the policies in place by a XXXX affiliate bank.

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 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
The lease was up for my apartment. They told me that I needed to either sign a new lease or move out. I informed them that once my lease was up I would be leaving. They said that they only needed that verbal notice because it was the end of my lease. I went back to meet with them once my apartment was cleared and cleaned out. They said that I could leave the keys with them. I asked if I needed to do anything else the property XXXX brought me into the office to check my balance once more and said that I had a XXXX balance. I had left a deposit and she wasnt sure when it would be sent out. I never returned to that complex

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
CrossCountry Mortgage, later Mr. Cooper, and now XXXX XXXX has failed to process my partial release of property request despite receiving all requested documents months ago, including the plat, updated survey, legal descriptions, intended use statements, and processing fee. They acknowledged receiving all documents on XX/XX/2025. They previously told me the release would be completed by XX/XX/2025, but they missed this deadline and stopped providing updates. I have called repeatedly, emailed several times, and escalated the issue to their Executive Resolution Team, which never responded. Their inaction has caused me measurable financial harm because I have had to reject multiple offers from buyers waiting on the release. Because they did not respond, I mailed a formal RESPA Request for Information and Notice of Error to their designated complaint address XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX ). I am requesting the CFPBs assistance to compel CrossCountry to : Provide a written status update Provide a timeline and complete the partial release of XXXX XXXX XXXX XXXX Tx XXXX Comply with RESPAs deadlines for responding to borrower inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio recovery has repeatedly called stating.They are a debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I dont have the exact date. I just requested the statements to get the exact date. I believe it was around XX/XX/XXXX because I saw the interest added and was in shock. I called and found out from the company on XX/XX/XXXX that it was a XXXX year interest promotion that I had no idea about. I went in to get some dental work in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in the dental chair when the girl at the front desk came in to talk to me and wanted some information from me to open some kind of account to pay for my dental work. I found out later it was Care Credit. She came back later and had me sign something while I was still in the dentist chair. I was told I qualified for amount my teeth were going to cost. After she said that the dentist continued working on my teeth. I was under distress and extreme anxiety. I dont remember anything else. They were polite people. However they failed to disclose the terms. I called the Care Credit to try to understand what happened. They said there was nothing they could do. I then called back to talk to a XXXX. She gave her name as XXXX and would not give me a last name or ID number. She hung up on me while I was asking for that information. How the supervisor handled my call was extremely unprofessional and unclear. To me it seems a way for Care Credit to charge you an outrageous amount of interest by having patients sign up while in a dentist chair under extreme distress and at their mercy and not knowing whats going on because the amount of stress. Unable to understand or ask questions because the state theyre ( I was ) in. Care Credit is taking advantage of patients when theyre most vulnerable. Its something that needs to be addressed.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Opened on XX/XX/year>, a new small business account for my sole proprietorship account, using a promotional link https : //www.bankofamerica.com/smallbusiness/deposits/business-advantage-banking/business-advantage-fundamentals-application/? promoCode=SMACIS. Promotional offer required deposit of {$5000.00} within 30 days and held for the next 60 days, for a bonus payout of {$400.00}. The required deposit was made on XX/XX/year>, and held through XX/XX/year>. To date, no {$400.00} bonus has been received.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
To whom it may concern at CFPB iam writing this complaint because the debt collection agency XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ext XXXX is collecting my payment for SYNCHRONY BANK who Discharged the XXXX debt i owed they threaten to take me to court, I called and settled the debt to pay {$230.00} a month I called to have XXXX who is collecting the XXXX XXXX monthly payment to get incontact or send me a letter to send to XXXX XXXX XXXX to.have my account updated to show my current balance they dnt want to give me a letter neither does SYNCHRONY BANK

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 2026-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: OPTUM BANK, INC.
State: TN

Complaint narrative:
I have had Optum Financial FSA, and elected cobra on XX/XX/XXXX. All the other services work, but Optum is not allowing me to use the XXXX XXXX card to access my funds. I ahve worked with my former employer and the cobra administrator, and neither has been successful. Optum Financial simply will not enable the card/account, and closes tickets when we open them, asking for escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc.
State: FL

Complaint narrative:
There was a {$1000.00} payment for rent to XXXX XXXX approx XXXX XXXX XXXX XXXXFrom my cash app account linked to my XXXX XXXX XXXX debit card .This person isn't in my contacts intact he is deceased. I contacted cash app as well as XXXX XXXX neither bank want to take responsibility. Cash app canceled my account and refuse to let me make a statement. Also cash app sends me something to claim the XXXX but I can't access it .I feel just a nother decoy to run time out

Company response to consumer: Closed with explanation