vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Description of Issue : I refinanced my XXXXguaranteed loan with XXXX XXXX. The Closing Disclosure confirms the Disbursement Date was XX/XX/XXXX, which is prior to the FCRA XXXX delinquency threshold of XX/XX/XXXX. 

Carrington Mortgage failed to post these funds until XX/XX/XXXX ( due to the XXXX XXXX 's holiday ) and subsequently reported the account as " XXXX  Days Late '' to the credit bureaus. 

Violation : It is a violation of the FCRA to report a consumer as delinquent when the payoff funds were disbursed prior to the XXXX mark. The XXXX delay in posting was caused by the servicer 's holiday closure, not the consumer. I have attached the Closing Disclosure proving the XX/XX/XXXX disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Central Research Inc
State: MT

Complaint narrative:
XXXX  XXXX XXXX military, they gave me a loan when I was XXXX. The repayment happened to start in basic training, they never let me know it even began. I was not aware until I went to buy a car and saw my credit had tanked. XXXX currently ahead of all payments for them, Ive reached out multiple times because I am trying to buy a house. Their inability to work with me is making life very difficult because rent is the price of a mortgage and a half where XXXX stationed. They even had the audacity to say I had a late payment in XXXX when I already tried paying them, but they refused XXXX attempted payments over the phone. XXXX said its good only for it to say cancelled on the website. The first XXXX were attempts to pay in full but upon further reflection it would be better to build my credit back up if I make multiple on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover is reporting a charged-off credit card account with a balance on my credit reports. 
I contacted Discover directly and was informed that this account was sold to XXXX XXXX XXXX ( XXXX ). 
Since Discover no longer owns this account, continued reporting of a balance is inaccurate under the Fair Credit Reporting Act. 
I have not made any payments, admitted the debt, or contacted XXXX XXXX XXXX while this complaint is pending. 
I am requesting that Discover delete this tradeline from my credit reports immediately because they can not report it accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: WI

Complaint narrative:
I've been trying to work with klarna since mid XXXX to resolve the issue with my account that states I have an outstanding loan or loans in collections and that my account is unavailable for use until this matter is resolved. I have been in contact with numerous agents and had a case open since the issue appeared but no agent has resolved this. They have lied and strung me along for months over this issue before marking my case as resolved without fixing anything. As of XX/XX/XXXX the issue is still showing up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a loan from XXXX XXXX XXXX and shortly after that I filed for a XXXX XXXX bankruptcy. They were included and is reporting negatively to the credit bureau. This has messed up my credit

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 non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am having an issue with this transaction that was deceptively overcharged and tax fraud committed. 

I am requesting a charge back for the difference of the amount under regulation z. 

I have the tax fraud complaint and documented proof for the cost versus the actual amount -- -over paid. 


Also Consumer Affairs sent out a memo to all car dealership in SC about deceptive fraudulent practices which is against not only public policy but against the law under Dealer 's Act and SC Unfair Trade Practice Act and SC statutes and laws. 

I made cash app support aware of this fraudulent activity and asked and demanded that they reverse the difference of this transaction under Regulations E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for and was approved for the XXXX XXXX XXXX Credit Card on XX/XX/XXXX. At the time of application, Chase publicly advertised a promotional offer available to applicants approved between XX/XX/XXXX and XX/XX/XXXX. 

During the application process, I clearly saw and confirmed this promotional offer before proceeding with my application. The promotion stated that the primary cardmember would receive one additional XXXX XXXX XXXX XXXX XXXX XXXX Credit for each eligible XXXX night stayed after approval through XX/XX/XXXX, up to 15 eligible nights. 

I applied during this promotional window and completed multiple eligible XXXX stays afterward. However, none of the additional tier qualifying night credits posted to my XXXX XXXX XXXXXXXX account. 

I contacted both XXXX and Chase multiple times. XXXX confirmed that this promotion must be handled by Chase, as it was a Chase application offer. Chase responded that the promotional offer was not attached to my account at approval and therefore could not be honored. 

Chase did not provide any documentation or explanation as to why a publicly advertised application offer, which I confirmed during the application process, was not applied. Chase also did not review or request the screenshots I took of the promotion prior to submitting my application and declined to manually apply the promotion or provide an equivalent resolution. 

Additionally, I found numerous reports from other consumers on public forums describing the same issue with this promotion not being properly attached at approval, despite applying within the published promotional window. This suggests a broader system or processing issue rather than an isolated consumer error. 

As a consumer, I had no ability to verify or control whether Chases internal systems correctly attached the advertised offer at approval. Denying the promotion solely due to an internal system or processing issue leaves me without the benefits that were publicly advertised and confirmed at the time I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: CA

Complaint narrative:
I do not know anything about this debt.I was not provided proper communication about this company or amount or opportunity to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am disputing a charge from XXXX XXXX XXXX for {$500.00} as a Billing Error ( Services Not Received ) under the Fair Credit Billing Act ( FCBA ). 

An accidental Apple Pay trigger occurred while I was browsing the merchant 's website. I contacted the merchant immediately to cancel, given this was a mistake and conflicted with my work schedule. The merchant refused, claiming 'classes had started. ' However, I have never logged in, never accessed any materials, and never attended a single session. I have received XXXX value from this merchant, and their retention of these funds constitutes unjust enrichment. 

The merchant is attempting to apply a rigid refund policy to an accidental transaction where no costs were incurred by the merchant and no service was consumed by the consumer. I have attached an email from the merchant dated XXXX XXXX XXXX. In it, the merchant acknowledges my request but denies it based on their internal policy. I challenge the merchant to provide any login or activity logs from my IP address to access materials or attend sessions, as no such records exist. 

Goldman Sachs has repeatedly denied my dispute and appeal, while completely ignoring that no service was ever delivered or accepted. Under the FCBA, a merchant can not retain funds for a service that was not provided. I am requesting a full reversal of the charge as the merchant is withholding funds for a service I have not used, and the bank has failed to perform a meaningful investigation into the merchant 's lack of service delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My Card was charged XXXX fraudulently. I reported to bank upon finding out. Usaa denied claim without pro iding proof of discovery.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am asserting my rights under the Servicemembers Civil Relief Act ( SCRA ).

The SCRA limits interest on covered obligations to no more than 6 % per year during qualifying periods of military service and prohibits related fees and penalties that exceed what would be allowed under the capped rate.

I notified the creditor of my qualifying military service and requested application of SCRA protections to my account. Despite receiving notice, the creditor continued to : Charge interest in excess of the SCRA-mandated 6 % cap Assess late fees and/or penalty charges tied to the excess interest Fail to retroactively adjust the account as required by law The obligation at issue was incurred prior to my qualifying military service, making it a covered obligation under the SCRA.

Under the SCRA : Interest on covered obligations must be capped at 6 % during qualifying service Interest includes late fees, service charges, renewal fees, and other penalties Excess interest and fees must be forgiven, not deferred Once proper notice is provided, creditors must retroactively correct the account The creditor failed to properly apply these requirements and did not provide documentation showing lawful compliance with SCRA standards. 

As a result of this failure : I was charged interest and fees that are prohibited by federal law My account balance was improperly increased I experienced financial harm and administrative burden My statutory protections as a servicemember were not honored.

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 non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
In early XX/XX/XXXX, I received an invoice from Concord Servicing, LLC ( I believe, the invoice provided insufficient information to verify the entity ) demanding payment on a solar loan that was originally issued by XXXX. The invoice did not include an account number or sufficient information to access the account online. 

In order to verify the loan and make payment, I contacted Concord by email on XX/XX/XXXX requesting an account number or login credentials. When I did not receive a response, I followed up by email on XX/XX/XXXX and again on XX/XX/XXXX with the same request. 

Concord has not responded to any of these communications and has not provided an account number, login credentials, or other means to access the account or make payment. Despite this, I have received a second invoice demanding payment. 

As a result of Concords failure to provide basic account access information or respond to repeated written requests, I have been unable to verify the account or remit payment. I am concerned about the risk of late fees or adverse credit reporting arising from Concords failure to provide the information necessary to make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX with Bridgecrest financing. Within the 7-day trial period, I discovered the AC was defective and XXXX XXXX was missing from my contract. I requested a return within the 7-day window. 
XXXX failed to execute the return. On XX/XX/XXXX their driver arrived WITHOUT the promised check. On XX/XX/XXXX, XXXX Team Lead XXXX admitted on a recorded call that " everything absolutely lines up '' with my account and promised to unwind the loan. He never followed through. 
On XX/XX/XXXX I informed Bridgecrest directly. XXXX XXXX acknowledged the issue but Bridgecrest continued reporting 90+ days delinquent. 
This caused me to miss a mortgage refinance deadline on XX/XX/XXXX. I sent formal demand letters to both companies on XX/XX/XXXX. 
I have recorded calls proving XXXX acknowledged their errors. The account should have been unwound during the trial period. The delinquent status is inaccurate and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX XXXX damaged my bags and ignores me. Barclays didn't help me as they don't go to the airlines and say they are responsible for the damages to my bags and that it is not right the Airlines on purpose ignore your customer. I hope CFPB is very unhappy with XXXX XXXX behavior and the CFPB are disappointed with how weak Barclays is as they don't at all put up a fight, Barclays doesn't fight for their customers. I hope CFPB has consequences for both these organizations to the point each company steps in decides to help me. I hope CFPB exists for situations and like this and they try to help the consumer who is being mistreated so badly in this matter. Thank you for stepping in and getting involved and having consequences for both organizaitons.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Block, Inc.
State: VA

Complaint narrative:
I ordered what was supposed to be a welder online. It was suppose to be {$42.00}. The seller scammer tried to charge cars XXXX times for {$19.00}. Also charged {$62.00} and did get that amount. But they didnt get the other because I dont keep that much available there. I blocked them and immediately tried to dispute because I figure was scam. But cashapp cant dispute til it is cleared. I didnt get any item for while. So I did a dispute once it cleared. Then I got a little junk solder iron from the seller. 
I tried to contact that company many times but its through XXXX and you can not get through to anyone so its probably a scammer company misrepresenting items. Because it definitely was not what I ordered or as it was advertised. I tried to get in touch with someone at Cash app many times and kept getting someone each time who could barely speak XXXX and we just keep apologizing for my inconvenience but basically getting me nowhere. Then I got a notification that my dispute was denied. So I put in an appeal and called cash app again and got the runaround until I finally had to get hateful with them and got me someone who said he was a supervisor. He went through all the same scripted BS and finally just said he couldnt do anything about it. I have sent screenshots of the item that was supposed to be bought as well as screenshots of the invoice that was only supposed to be {$42.00} and I was charged XXXX. That in itself is fraud along with the fact that I did not get what was advertised or ordered. I have tried to contact Cash app many times and kept getting sent to other agents and through the chat as well as on the phone and each one just keeps telling me the same thing over and over that they have investigated and theres nothing I can do and sorry I dont agree with the outcome. I have requested to have the CEO or whoever is in control of cash app to call me But of course I get no replies and thats not happened. If cash app is gon na try and be in the banking industry then they need to do whats right and protect their customers. Their dispute system is a joke and they do not care if you get scammed or lose money. They should be shut down if they cant do any better. I know its not a lot of money but {$62.00} should be put back into my account ASAP. Its really the principle of it because it may only be {$62.00} for me, but it could be XXXX other people that have the same problem. And its thousands of dollars people are losing because cash app will not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
So the guy from midland credit management keep calling me every day I ask for a validation notice he keep denying my request so I ask for a supervisor and he said he will send it to me but it will take XXXX to XXXX business day and they keep using different number to contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I asked for verification and never received it they are reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and fraudulent credit reporting by AMSHER COLL that is currently appearing on my consumer credit reports. 
Account Information Being Disputed : Creditor/Collector : AMSHER COLL Account Type : Other Loan Account Status : Open Balance Reported : XXXX XXXX  Monthly Payment : {$0.00} Interest Rate : 0.00 % Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Nature of the Dispute : I do not recognize this account and did not authorize, open, or agree to any loan or financial obligation with AMSHER COLL XXXX This account appears to be the result of fraudulent activity, identity theft, or erroneous reporting. 
Despite this, AMSHER COLL has reported the account as an open loan with a balance owed, which is factually inaccurate and materially misleading. 
Violations of Consumer Protection Laws : This reporting violates several federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 1681e ( b ) : Failure to ensure maximum possible accuracy of information furnished to consumer reporting agencies.

1681s-2 ( b ) : Failure to conduct a reasonable investigation after reporting disputed information. 
Reporting a debt without verifying its accuracy constitutes negligent or willful noncompliance. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 1692e : Prohibits false, deceptive, or misleading representations regarding the character, amount, or legal status of a debt. 
1692f : Prohibits unfair or unconscionable means to collect or attempt to collect a debt.

Identity Theft Protections ( 15 U.S.C. 1681c-2 ) Credit reporting agencies and furnishers must block information resulting from identity theft once disputed. 
Requested Resolution : I respectfully request that the CFPB require AMSHER COLL to : Conduct a full and lawful investigation into this account Provide documented proof of my legal obligation, including a signed contract or application Delete this account immediately if such proof can not be produced Cease any further inaccurate or fraudulent reporting Additionally, I request confirmation that all consumer reporting agencies have been notified to correct or remove this account. 
This inaccurate reporting is causing ongoing financial and reputational harm and must be remedied promptly in accordance with federal law. 
Thank you for your assistance in protecting my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Had a few accounts and lost my job was unable to make payments. Once I had a new job Accounts were paid and settled, yet continue to report inaccurately and excessively as multiple charge-offs, causing disproportionate harm

Company response to consumer: Closed with explanation