vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This complaint concerns an unauthorized PayPal Credit transaction in the amount of {$1300.00} that occurred on XX/XX/year>. The transaction was processed through PayPal and funded using PayPal Credit, which is issued by Synchrony Financial. 

I did not authorize this transaction and reported it immediately on XX/XX/XXXX, XXXXbefore the associated event occurred. I had already purchased tickets for the same event and did not attempt to resell, transfer, or use the tickets associated with this disputed charge. 

PayPal denied my dispute based primarily on IP address and login consistency and proof of digital delivery to an email address associated with my account. These factors do not establish that I authorized the use of PayPal Credit. Digital delivery does not equal authorization, particularly for a regulated credit product. 

Additionally, PayPal representatives instructed me to reclassify my dispute multiple times ( unauthorized transaction, item not received, significantly not as described ). This agent-directed reclassification resulted in procedural confusion that was later used to deny my claim. I was never informed that following PayPals guidance could negatively impact my dispute rights.

As the issuer of PayPal Credit, Synchrony Financial is responsible for ensuring compliance with consumer credit billing error and dispute protections. I am requesting a review of this transaction as an unauthorized credit charge, confirmation that applicable credit dispute regulations were followed, and appropriate corrective action, including provisional or permanent credit if warranted. 

I am also requesting confirmation that any relevant recorded calls and dispute communications were reviewed as part of a reasonable investigation.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing this collection tradeline and demanding a reasonable reinvestigation under the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( a ), and your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). During reinvestigation, if the furnisher/collector can not provide competent evidence to substantiate the accuracy, completeness, and legal basis of the reporting, the FCRA requires you to delete or correct information that is inaccurate or can not be verified under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). If you claim the item is verified, I am also requesting the required description of the procedure used and the furnisher contact details under 15 U.S.C. 1681i ( a ) ( 7 ).

In addition, I have disputed directly with the debt collector and requested validation under the FDCPA, 15 U.S.C. 1692g ; the collector has failed to provide competent validation or proof of legal standing. If the collector continues to report or communicate credit information without substantiation and without properly reflecting the dispute, that implicates 15 U.S.C. 1692e ( 8 ) ( failure to communicate a disputed debt ), and once you have notice of my dispute through this bureau process the furnisher must investigate and correct/delete unsupported reporting under 15 U.S.C. 1681s-2 ( b ). Accordingly, because the tradeline is not verifiable and lacks competent validation/standing documentation, I am demanding immediate deletion of this account from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( can not be verified ) and confirmation in writing of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I am in an active mortgage modification with Mr Cooper. I have written confirmation that my next payment is not due until XX/XX/XXXX. I had also called Mr Cooper and spoke to a representative in late XXXX XXXX who had confirmed I didnt have a payment due until XX/XX/XXXX. Despite this, Mr Cooper reported and verified a 30-day late payment to XXXX  prior to the due date. This reporting is inaccurate and has caused significant credit harm. I am requesting an immediate credit reporting correction to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.
State: GA

Complaint narrative:
In or around XXXX, XXXX, my business checking account with Mercury was closed by the company without prior notice. At the time of closure, there were business funds remaining in the account Since the account closure, I have repeatedly contacted Mercury support via email requesting : clarification of the reason for the closure, and instructions on how to retrieve the remaining funds. 

Mercury has repeatedly responded with the same template message stating that the account was closed due to an alleged violation of their Terms of Service and that the funds are subject to an indefinite hold, with no explanation, no evidence, and no timeline provided. 

I have fully cooperated and requested guidance on any steps required to release the funds, but Mercury has refused to provide any actionable information and stated this would be their final communication. 

As of XX/XX/XXXX, it has been nearly one year since the account was closed, and Mercury continues to withhold my companys funds indefinitely, causing financial harm to my business. 

I am requesting assistance in obtaining : a clear explanation for the continued hold, and the release and return of the remaining funds lawfully belonging to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
I am submitting this complaint to dispute a retroactive interest charge of approximately {$1200.00} applied to my XXXX account after the promotional payoff period ended. An interest charge of approximately * {$1200.00} was posted to my account following XX/XX/XXXX promotional payoff deadline. I did not understand, nor was I reasonably informed, that missing the payoff by a short period would result in a large retroactive interest charge. Had this been clearly disclosed or communicated, I would have paid the balance in full before the deadline. 

XX/XX/XXXX statement XXXX applied retroactive interest charge of approximately * {$1200.00} to my account. 

XX/XX/XXXX ( phone call ) I spoke with XXXX  agent and requested a call from the corporate office, regarding this dispute. 

XX/XX/XXXX XXXX XXXX I sent a formal written dispute via verified mail disputing the interest charge and requesting documentation explaining how the interest was calculated and where it was disclosed in my agreement. 

XX/XX/XXXX XXXX XXXX XXXX Verified mail was received by XXXX in XXXX, confirmed by delivery tracking. 

XX/XX/XXXX I again requested a phone call. An agent XXXX XXXX XXXX stated that I should receive a call within XXXX. 

XX/XX/XXXX XXXX  agent stated that Fortiva had attempted to contact me by phone and email. I immediately checked my voicemail, inbox, spam and deleted emails. No calls, voicemails, or emails from Fortiva were received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report associated with your company. I did not authorize this hard inquiry, nor did I provide written or verbal consent for my credit to be accessed for lending or review purposes.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company may only obtain a consumer report for a permissible purpose and with proper authorization. If you are unable to provide documentation proving that I granted permission for this hard inquiry, its presence on my credit report is inaccurate and unlawful. 

Additionally, under 15 U.S.C. 1681a and 1681e ( b ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy of the information reported. An unauthorized hard inquiry does not meet this standard. 
I am requesting that this hard inquiry be removed immediately from all consumer reporting agencies to which it has been reported. Please provide written confirmation once this has been completed. 

If this matter is not resolved promptly, I will pursue all rights available to me under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: NC

Complaint narrative:
In XXXX, I was told that I qualified to transition my debt consolidation from Americor to Credit 9 with a personal loan to pay off all my debt. I received the terms and had a lot of questions concerning the debt, payment, length of the terms, etc. On XX/XX/XXXX, I spoke with one of the representatives to discuss the loan and ask my questions. One question I asked was whether or not my payment date would reflect Americor 's payment date. She said it would fall on the XXXX and XXXX of each month. I said it was perfect because it aligned with pay dates. On XX/XX/XXXX, I received an email stating that my payment would be processed that day. I called to ask why this was since I was told that the dates would reflect that of Americors. The person I spoke to told me that it was not the case, but that I could go ahead and change my dates then and there. She said my payment would not be due until the XXXX and that i had not been charged. On XX/XX/XXXX, I checked my account and the full amount was charged ( drafted on the XXXX, even though I was told it would not be ). I called back again. They stated that the woman I spoke with must not have caught that my payment was already drafted. I asked if the payment could be reversed ( I in fact, had not been paid yet and was not expecting this payment, since it was not communicated to me ). She said they could reverse the payment but it would take 10 days to go back into my account, and that it would look like a missed or late payment on my account. I told her that this wasn't fair, as this was not what was communicated with me. I asked her to go back and review the recordings. They called back and apologized, and said that they could still reverse the payment, but that they would waive the interest on my next payment. I told them there was no point to reverse it if I just had to turn around and pay it again. Then, when my next payment was due, it was still for the full amount. They did not waive the interest like they said they would ( even though I received an email for the total due which did reflect this ) and I called again on XX/XX/XXXX to report this. They stated that they never said they would waive the interest, but that they would credit it back to my account. This has been a full month of XXXX with this company that I was super hesitant to sign with in the first place.

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 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Midwest Loan Services, Inc.
State: NV

Complaint narrative:
My mortgage servicing has been mishandled between XXXX and Midwest. 

I originally signed my loan with XXXX and made my first payment to them. 

Midwest is now stating that my loan has been serviced by them since XX/XX/XXXX. 
However, XXXX states they never transferred my loan to Midwest until XX/XX/XXXX. 

I also received a welcome packet from Midwest dated XX/XX/XXXX and have email communication from a representative confirming my loan would fully transfer to Midwest. 

Despite this, both companies are denying ownership at different times and refusing to clearly confirm where payments must be sent. I am attempting to make my mortgage payment but can not determine which company legally services my loan. 

I am concerned about late fees, misapplied payments, and credit reporting due to their conflicting information. 

I am requesting written confirmation of the current servicer, correction of servicing records, and protection from any late fees or negative reporting caused by this error. 


Additionally, Midwest has assessed late fees of {$6.00} for a payment month that I paid to XXXX. 

I made that payment to XXXX because they were servicing my loan at the time and I was not clearly informed of any transfer. 

I understand there is a XXXX grace period during servicing transfers where payments sent to the prior servicer can not be treated as late or penalized. These late fees appear improper and should be removed. 


I have made multiple good-faith attempts to resolve this directly with both companies. While XXXX has attempted to assist, Midwest has provided conflicting information and has been unwilling to clearly verify servicing ownership or accept payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
XXXX ) On XX/XX/XXXX : sent an enrollment acceptance from MN for the Senior Citizen Property Tax Deferral Program. Never received a reply not do I know how this will change my monthly payment which includes my escrow amount t. 

XXXX ) On XX/XX/XXXX : sent in Mr Cooper change form to have my auto pay moved out of a XXXX XXXX bank to my City and County Credit Union. I asked for the change to be made for XX/XX/XXXX payment. This never happened. 

XXXX ) On top of the above issues, I became a victim of Internet fraud which started on XX/XX/XXXX. This fraud caused me to have to fix multiple banking issues, including with Mr Cooper and at a loss to me of almost {$10000.00}. Many phone calls to Mr Cooper never got me any where. 

XXXX ) Another letter dated XX/XX/XXXX was sent to Mr Cooper stating my inability to set up a new online account for my mortgage payments and their lack of service. Still no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
I am filing a complaint against Santander XXXX USA for failing to release the lien and provide the necessary documentation for the title to my XXXX XXXX XXXX, despite the loan being paid in full on XX/XX/XXXX. 

After payoff, I received an XXXX  title listing Santander as the owner, but the title was never signed over to me. When I attempted to obtain a XXXX title in XX/XX/XXXX, the XXXX XXXX informed me that Santander needed to submit a Power of Attorney ( POA ) to allow XXXX  to issue a new title. I communicated this requirement to Santander multiple times by phone. 

My case was escalated to Santanders executive department, but no action was taken. On XX/XX/XXXX, the XXXX XXXX contacted me requesting a vehicle inspection, which I completed on XX/XX/XXXX. I was told the title was placed in the mail. 

On XX/XX/XXXX, I contacted Santander to confirm when my title would be overnighted. Instead, I was told the estimated completion date is XX/XX/XXXX, due to their use of a thirdparty vendor. This delay is unreasonable and has left me without a legal license plate since XX/XX/XXXX. My vehicle is my primary source of income, and Santander is fully aware of the hardship this has caused. 

It has now been more than XXXX  months since payoff, and Santander has still not fulfilled its legal obligation to release the lien or provide the required documentation. I am requesting immediate intervention to compel Santander to issue the POA and finalize the title transfer without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
I applied for financing through XXXX for services at XXXX. During the sales process, the merchants representative told me the financing would be an XXXX payment plan with no interest. 

When I questioned why the financing screen showed a 29.99 % APR and finance charges, the representative told me it was a glitch and assured me that interest would not apply to my account. Based on that explanation, I proceeded with the application. I had just turned XXXX at the time of signing. During the sales process, the representative explicitly asked for my age and confirmed I had just turned XXXX. I believe this inexperience was exploited when I was encouraged to sign a financing agreement that was misrepresented to me. My actual loan is a XXXX installment loan at 29.99 % APR with significant finance charges. These terms were not explained to me accurately before I signed, and I relied on the merchants statements when agreeing to the loan. I believe this loan was obtained through merchant misrepresentation of the financing terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Received an alert from XXXX  regarding an account opened with Syncb/XXXX XXXX XXXX XXXX XXXX was received on XX/XX/26 around dinner time. On my credit report, it showed an open credit card for {$10000.00}, and a purchase of {$990.00}. I called to report this, froze my credit report, and filed a fraud report with the FTC. I've disputed this with all three credit reporting agencies. I asked them to provide me with the information that was used to take out the credit card including the address and they refused to provide it. I need this information to file a lawsuit and criminal charges against the person, and can not identify the person without this information. They also need to report fraud to the credit bureaus.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
My credit is being affected by a collections account on my XXXX XXXX XXXX. The collections agency is a third party MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX. 
Original creditor was XXXX. I Talked to XXXX on XX/XX/year> and they could not find where I ever owned them money. They were given my social #. Debt amount {$4300.00}. 

I sent a certified letter to MRS BPO on XX/XX/year> and was received on XXXX.I have not been notified and the debt is still on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I submitted an application on XX/XX/year> for a new checking account with an opening cash bonus. Terms stated that I had to deposit {$2500.00} within 25 days in order to receive the bonus. My account was not APPROVED until XX/XX/year>. I deposited {$2500.00} on XX/XX/year>. I asked TD BANK multiple times for an exemption on the " first 25 days '' because I could not even deposit money for three whole weeks. Each time they tell me is has been " escalated to the higher ups '' but they never follow up. I have called via phone & used their secure message online to reach out. But I am still waiting on a response. No one ever resolves the issue. I believe this is a deliberate tactic they must be using with other individuals as well. Please help hold them accountable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Filed my taxes for advancement thru turbo tax and was approved through credit karma money account. Immediately after receiving the funds to my account, I was not granted access to that account, ( virtual card, money transfer ). Upon asking for assistance with customer service I was told due to security reasons they will not be able to assist me with my account and I should wait until the system allow me access. Allowing the system to do so it has been XXXX days to no availability. I was told my case would be escalated and should get resolution in email/call. I have not got any assistance despite reaching out numerous times. I have received multiple different responses from customer service which none helped me with my issue.

Company response to consumer: Closed with explanation