vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear Consumer Finance Protection Bureau, I am writing for your assistance with helping me to get my XXXX XXXX Card account ending in # XXXX ajusted and given the right account balance. As stated in the feed back comment in XXXX XXXX case # XXXX the company gave a {$41.00} late fee credit on XX/XX/XXXX and never never adjusted the core billing properly to date XX/XX/XXXX. The refunded {$41.00} was applied to the wrong billing cycle and not the dates or date in question XX/XX/XXXX or XX/XX/XXXX on the XX/XX/XXXX billing dispute. These actions resulted in a pyramided inflated balance of {$950.00} dollars, further compounding the errors on the account, and the company still refuses to adjust the bill to the proper balance. Refusal to adjust the account constitute violations of the Truth in Lending Act and its implementing regulation Z ( 12 C.F.R. 1026.5 ( b ) ( 2 ), 1026.7 ( b ) ( 11 ), 1026.52 ( b ) ( 1 ) ), as well as the Fair Credit Billing Act ( 15 U.S.C. 1666 ). At all relevant times through XX/XX/XXXX, the late fees assessed on my account were invalid, as my XX/XX/XXXX bill was paid on XX/XX/XXXX in the amount of {$60.00} and my XXXX bill was paid on XX/XX/XXXX in the amount of {$30.00} with a billing due date of the XXXX of each month. A billing closing date is an accounting cutoff used to generate a periodic statement and does not determine whether a payment is late. Regulation Z, payment timeliness is determined by the disclosed payment due date, not the billing cycle closing date. The XXXX XXXX XXXX failed to remove XX/XX/XXXX late fees and interest making the XXXX XX/XX/XXXX bill and balance incorrect. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), creditors must properly investigate and correct billing errors, including misapplied payments and failure to properly credit payments. As a matter of law, a billing cycle closing date is an internal accounting cutoff used solely to generate a periodic statement and does not determine whether a payment is late. ( Please also review - XXXX ) Under the Truth in Lending Act and its implementing Regulation Z, a creditor Under the Truth in Lending Act and Regulation must disclose the payment due date, and payment timeliness is governed by that disclosed due date, not by the billing cycle closing date. Again, See 12 C.F.R. 1026.5 ( b ) ( 2 ), 1026.7 ( b ) ( 11 ), 1026.52 ( b ) ( 1 ) The starting bill was {$430.00} if they removed the XXXX and XX/XX/XXXX late fee the bill should have been {$25.00} per month as I have been paying over the last 17 months XXXX XXXX, XXXX XXXX and not a balance {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XXXX XXXX XXXX at approximately XXXX XXXX I was the victim of a fraud event involving unauthorized access to my XXXX XXXX. During this incident, I lost access to my phone, watch, and XXXX, and my XXXXXXXX XXXX became fully compromised and remains unrecoverable. During the same timeframe, unauthorized activity occurred on my Apple Card account, including an attempted payment of approximately {$10000.00}, which was later reversed. I did not authorize this payment. Because my XXXX XXXX was compromised, I was unable to access my Apple Card account, receive communications, or take any action to manage the account. Goldman Sachs states that I requested to close the account on XXXX XXXX XXXX. I dispute that this was a valid or knowingly authorized request. Any actions taken on or after the fraud event must be considered under compromised access conditions, as I did not have control of my account at that time. I attempted to resolve the situation by contacting the company and requesting assistance, including regaining access and continuing payments. However, I was unable to access the account due to the XXXX XXXX being unrecoverable. Despite acknowledging that the XXXXXXXX XXXX and account became unrecoverable, the company proceeded to treat the account as delinquent and later charged it off on XX/XX/year>, with a balance of approximately {$12000.00}. The company has stated that reminders and communications were sent, but I did not have access to my XXXXXXXX XXXX or devices to receive or act on those communications. The companys investigation concluded that the account was reported accurately ; however, this does not address the impact of the fraud event on my ability to access and manage the account, nor does it adequately verify that the account closure was knowingly authorized by me. I am disputing the accuracy of the reporting and the conclusion of the companys investigation. I am requesting a reinvestigation of the account closure under compromised access conditions and correction of any reporting that does not accurately reflect these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
As a result of a recent data breach, my personal identifying information was compromised and used without my authorization. Consequently, unauthorized accounts, unfamiliar credit inquiries, and incorrect late payment records have appeared on my credit reportnone of which I opened, approved, or recognize. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am formally requesting a full reinvestigation of these accounts and inquiries. I ask that any information found to be inaccurate, unverifiable, or fraudulent be permanently deleted from my credit file. Enclosed is supporting documentation, including an Identity Theft Report, to aid in your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
I called in to my mortgage lender Cross Country Mortgage follow up on a loan modification application on Friday XXXX XXXX XXXX XXXX XXXX, specifically, to confirm what the next steps would be to proceed with the application process as my spouse and I separated and the portal was requiring I complete elements on her behalf which I could not due to the separation and no ability to contact. The representative ( named XXXX ) proceeded to advise me that I could not proceed with the application unless my spouse signoff. She then proceeded to provide the rationale that this was due to AZ being a commonwealth state and her name being on the mortgage which would require me to file a Quit Claim deed to have her removed, and/or I refi the loan exclusively into my name. I proceeded to advise her that the mortgage and the note are different and I'm not attempting to have her removed from anything, I applied for a loan modification as I'm experiencing financial distress due to the loss of income as my spouse no longer resides with me and I'm unable to afford the monthly payment. She then proceeded to notify me that a loan modification may result in higher costs ( which I felt was an attempt to dissuade me from applying ), to which I had to further educate her that loan modifications for FHA loans typically result in a 20 % reduction based on the Gross income and the lender would do everything it can to reduce the payment including a restructure to bring the loan current and payoff outstanding amounts due resulting in a second mortgage so I don't agree with her assertion. I then had to let her know that HUD 4000.1 describes specific handling when a coborrower is not present to sign or provide their income due to separation, so I questioned again why is she providing " denial '' / '' adverse action '' rationale without performing full due diligence or having any understanding of the loss mit process for FHA mortgage loans and HUD processes. I asked her to get a senior level individual on the line ; she did not and proceeded to message someone requesting guidance. She then came back offering more support, and attempt at empathy, and stated she's glad the call is recorded, but still hinted at an inevitable denial or that I'd " hit a wall at the end ''. Not only did this cause me further distress, but emotional harm as not only was this entire ordeal unprofessional, the advocate provided a ton of misinformation, un confirmed denial/adverse action references, did not understand applicable laws, rules, regs, and statutes, around loss mit and did not provide me the support I needed which is to alleviate from the loss of my home due to financial distress. As a fellow banking professional, there were multiple violations noted, both fair lending and UDAAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Statebridge Company
State: CA

Complaint narrative:
I am reporting Statebridge Company , LLC for attempting to collect on a 'zombie mortgage ' ( a second mortgage/HELOC ) that was discharged in my XXXX XXXX XXXX in [ XXXX XXXX ] ( Case # [ XXXX ] ). For 15 years, I have not received a single monthly periodic statement, bill, or notice regarding this loan. Suddenly, Statebridge sent me two bills totaling over {$120000.00}, which includes 15 years of accumulated interest and fees. This is a direct violation of the Truth in Lending Act ( TILA ) because they failed to provide monthly statements while interest continued to accrue. Furthermore, according to CFPB Advisory Opinion ( XX/XX/year> ), it is illegal for debt collectors to threaten foreclosure on time-barred debt that has passed the state 's statute of limitations. I believe Statebridge is using the threat of foreclosure to extort money for an unenforceable debt. I request that Statebridge cease all collection activities and release the lien on my property immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
A few years ago I was getting debt collection calls but the phone number that was calling me was very similar to mine. It started as one call a day then multiple calls a day with the last few digits of the phone number changing every time. So I answered it a person told me where they were calling from and that was it until I confirmed who I was. I hung up and since then I have received repeated over and over and over again phone calls 3 4 5 times a day sometimes it'll go silent for a week and then I'll start over again. Every time they call me from a new similar phone number I would block it. I have a call block list just from portfolio recovery what's approximately 150 blocked phone numbers. Since they weren't able to get through to me for the past 2 years of all that harassment then they started texting me. And then they started calling again with text messages. I work on the road I assume when people are calling it's someone important my family or work. There were times I got distracted because they'll call back to back as soon as you hit the end button they redial over and over again. It has nothing but caused a big burden on me and my family. I grew more hatred in my heart because of harassment kept getting worse. I gained bad XXXX over it there was days I didn't go to work. And for them to get away with this is unfair. I don't care who you owe money to you don't harass somebody the way they do it. Their tactics are wrong, unjust, and illegal. If anything I should be suing them for damages they cost missing work because of XXXX I had to use a sick day, almost getting into a car accident. I will continue not the answer instead I will do as I'm doing now reporting this and possibly paid through my employer take legal action. This is going too far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/XXXX, Transworld Systems Inc. ( TSI ) was assigned a collection account from XXXX XXXX XXXX XXXX name in the amount of {$1600.00}. TSI reports this account to all three credit bureaus ( XXXX, XXXX, XXXX ). I have mailed TSI two separate written debt validation requests : ( 1 ) XX/XX/XXXX mailed to both TSI addresses ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX ). No response received. ( 2 ) XX/XX/XXXX mailed again to both addresses. No response received. It has now been 89 days since my first written dispute and 46 days since my second. During this entire period, Transworld has not provided any validation documentation, has not acknowledged either dispute in writing, and has continued to furnish this {$1600.00} tradeline to all three consumer reporting agencies every month. This is a direct and continuing violation of FDCPA 1692g ( b ), which requires a collector to cease collection activity ( including credit reporting ) upon receipt of a written dispute until validation has been mailed to the consumer, and of FCRA 1681s-2 ( b ), which requires furnishers to conduct reasonable investigations of disputed information. Additionally, I have discovered through my own records ( attached ) that this debt was previously held by a different collector, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX ). XXXXXXXX XXXX XX/XX/XXXX letter to me shows the debt balance on XX/XX/XXXX was {$1600.00}. Between XX/XX/XXXX and XX/XX/XXXX, XXXX added {$53.00} in unspecified fees ( with {$0.00} interest and {$0.00} paid toward the debt ), bringing the total to {$1600.00}. Transworld is now collecting the inherited {$1600.00} balance without ever providing any accounting of the {$53.00} in fees or any chain-of-title documentation explaining how this account moved from XXXX XXXX to XXXX, back to XXXX, and then to Transworld. I am filing this complaint to document Transworld 's repeated failure to validate a disputed debt and its continued credit reporting in violation of federal law. Original creditor : XXXX XXXX . Account number on file : XXXX. Balance : {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I am filing this formal complaint to report a recurring pattern of verbal abuse, obstructive behavior, and discriminatory profiling by XXXX XXXX XXXX XXXX XXXX. This is not an isolated incident, but a systemic issue in how they interact with consumers. Most recently, I spoke with a supervisor named XXXX, who was unnecessarily harsh and repeatedly prevented me from asking basic questions. This was followed by a call with a male representative who was openly rude and dismissive. When I attempted to understand the process by asking what I should receive from them once the debt is paid in full, the representative responded with hostility. He repeatedly asked me, What do you expect to receive when you pay something? in a condescending and aggressive tone. When I explained that I was asking him for the specific process, such as a letter or confirmation, he continued this unprofessional behavior, refusing to provide a straight answer. Furthermore, he treated me with utter contempt, stating he could not understand the way I speak and claiming that I did not make sense. I believe these interactions go beyond mere poor customer service and cross into profiling and prejudice based on my name ( XXXX ) and my manner of speech. By using perceived communication barriers as a pretext to belittle me and refuse assistance, this firm is effectively denying me the transparency required by law. Targeting a consumer with such disrespect and refusing to provide clarity on the payment process is a violation of professional standards and suggests a discriminatory bias. I am requesting that the CFPB compel this firm to review their call recordings for these interactions and take immediate corrective action regarding their staffs conduct and their compliance with non-discrimination standards. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX because XXXX XXXX telecommunications/cellular collection or charge-off accounts are reporting in my name that I did not open, authorize, use, benefit from, or agree to pay. These accounts are reporting with past-due balances of approximately {$2600.00} and {$1900.00}. I completed FTC Identity Theft Report XXXX. XXXX on XXXX XXXX XXXX My FTC report specifically identifies the XXXX XXXX accounts as unauthorized identity-theft accounts and states under penalty of perjury that I did not apply for, sign for, receive services from, receive funds from, or authorize anyone to use my personal information for these accounts. XXXX is now on direct notice that these accounts are disputed as identity theft. XXXX must not continue reporting, verifying, collecting, selling, transferring, or assigning these accounts as mine without producing actual proof that I opened and authorized them. A name match, address match, billing record, automated verification, or collection record is not proof of authorization. I demand a real manual fraud investigation, not a generic verification response. XXXX must produce the full account applications, contracts, signatures, IP addresses, device records, phone numbers, service addresses, activation records, XXXX records, call records, billing records, payment records, account notes, collection notes, fraud investigation notes, and all documents allegedly proving I opened, authorized, used, or benefited from these XXXX accounts XXXX Because these accounts were identified in a valid FTC Identity Theft Report, they must be blocked and deleted under FCRA 605B, 15 U.S.C. 1681c-2. XXXX must notify XXXX, XXXX, and TransUnion that the accounts are disputed identity-theft accounts and must stop furnishing them as mine unless XXXX can prove actual authorization. Continuing to verify or collect these accounts after receiving my FTC Identity Theft Report would be unreasonable, inaccurate, and harmful. I am requesting immediate deletion/blocking and written confirmation that the accounts will not be reinserted, resold, transferred, collected, or verified again as mine.

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 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: AL

Complaint narrative:
Debt was resolved and closed but was sold off to another third party debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: UT

Complaint narrative:
I have been enrolled in a PSLF-eligible repayment plan since I graduated college in XXXX. My payments started in XX/XX/XXXX. I made sure to work at a state agency ( XXXX XXXX XXXX ) for the last decade to make sure all of my payments went toward the PSLF program. I was automatically switched over to the SAVE program with 20 months remaining on my payment plan. I didn't ask for this. My REPAYE plan was ending, and I was told this was where I should be. I tried multiple times to make payments anyway, change plans, etc., but I was told there was nothing to be done other than move to a plan that doesn't count for PSLF. I waited and waited some more. In XX/XX/XXXX, I had reached my 120th month of eligible employment. I submitted a Buyback request as I was instructed. Now there is no word. I am now moving forward with my life plans. I am planning a family. I would like to move into a different career field and physically move locations. This is not possible until my PSLF happens. My life is now on hold because my servicer and the Department of Education can't hold up their end of the contract. I asked for an update from ED, but the only answer I had was to confirm that I had submitted a buyback request. I am waiting to leave my current position. I arranged my life for 10 years on the expectation of PSLF. Now that has been taken away.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am being asked to pay a bill that doesn't belong to me. I have asked that the debt be proven. The agencies reporting has been included in data breach. Debt has been sold, but I haven't received 1099

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
I have a payment plan set up with Affirm. It was set on auto pay. My card information changed, I attempted to make a payment with a different card and none of the attempts worked. Each time I tried I got an error message. I contacted support about how my payment would not go through even after trying and they told me to change my payment information. I did that and still got an error message. I had a late payment report hit my credit report. I was not able to make the payment because the app did not work. Support informed me that they could not and would not remove the late payment even though the payment was missed due to an error on their app.

Company response to consumer: Closed with explanation