vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is regarding the following accounts : DEPT OF EDUCATION/XXXX XXXX {$5300.00} DEPT OF EDUCATION/XXXX XXXX {$2400.00} DEPT OF EDUCATION/XXXX XXXX {$5000.00} DEPT OF EDUCATION/XXXX XXXX {$4900.00} SYNERGETIC COMMUNICATI XXXX XXXX To Whom It May Concern : I am formally disputing the above-referenced account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ). This account is being reported with significant technical inaccuracies and must be deleted. Failure to Adhere to XXXX XXXX Reporting Standards : This trade line is currently being reported in a manner that is inconsistent with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting requirements. Under the FCRA, all information reported must be 100 % accurate and complete. If the data fieldsincluding but not limited to the Date of Last Activity ( DLA ), Account Status, and Original Creditor Classificationcannot be reported in strict accordance with XXXX XXXX electronic formatting, the reporting is legally " inaccurate '' and must be suppressed from my consumer file. Violation of FCRA 623 ( a ) ( 1 ) ( A ) ( Reasonable Investigation ) : I demand that you conduct a " reasonable investigation '' into the source documentation of this debt. Simply verifying the existence of the account via an automated e-OSCAR " Verification of Debt '' ( VOD ) is insufficient. Failure to Note as Disputed ( FCRA 1681s-2 ( a ) ( 3 ) ) : If this account remains on my file during or after your investigation, it must be updated to reflect its disputed status immediately. Request for Method of Verification ( MOV ) : Pursuant to FCRA 611 ( a ) ( 7 ), if you verify this item as accurate, I hereby request a written description of the procedure used to determine that accuracy. This must include the name, business address, and telephone number of any individual contacted at the furnishing entity ( XXXX XXXX XXXX ). You have 30 days from the receipt of this letter to provide the results of your investigation. Failure to delete this unsubstantiated and technically flawed entry will result in further escalation, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action under the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
A company we work with attempted to send us {$1900.00} for legitimate business purposes through XXXX app. I tried to transfer those funds into a newly opened business bank account because the money was related to our business operations. Instead of allowing access to our money, XXXX froze the transfer over a week ago, nearly a week and a half. Since then, I have called countless times. On the rare occasions I was able to speak with a representative, I was told they could do absolutely nothing and that I simply had to wait for an email. During all this time, I have only received XXXX or XXXX emails, and they mainly requested more personal information. I fully cooperated and submitted everything requested, including my ID and a photo of myself. Even after providing that verification, they continued delaying access to my funds and asking for more requirements. Today, after many calls and repeated attempts to resolve this, I was told I now need to provide XXXX months of bank statements. That is impossible because this is a newly opened business account, which I already explained to them. I was then told I XXXX need to wait another month until statements become available. This is completely unreasonable. I have already been waiting nearly XXXX weeks for access to money that belongs to us and is needed for urgent business expenses. XXXX has provided no real assistance, no meaningful resolution, and no reasonable timeline. Freezing legitimate business funds, repeatedly requesting documents, and then demanding impossible documentation from a new account while offering no solution is unacceptable. This situation has caused serious hardship, stress, and disruption to our business. I am requesting immediate action : release of our funds, or immediate return of the funds to the sender if XXXX can not resolve this without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account associated with XXXX XXXX XXXX XXXX that is currently being reported by XXXX XXXX. On or about XX/XX/year>, I contacted the collection agency ( XXXX XXXX ) to resolve the outstanding balance. During that conversation, I was explicitly informed by the representative that, in exchange for payment, the account would be removed from my credit report ( pay-for-delete arrangement ). I relied on this representation in good faith and made payment the same day. I was further advised that written confirmation of this agreement would be sent to me via email. No such documentation was ever provided. On XX/XX/year>, I contacted the collection agency again to follow up. At that time, I was told that they are not responsible for removing accounts from my credit report, which directly contradicts the representations made to me prior to payment. I then contacted XXXX XXXX XXXX directly and was informed that they do not control or authorize removal of collection accounts, and that the account is solely handled by the third-party collection agency ( XXXX XXXX ). This situation demonstrates that I was misled into making a payment under false pretenses, with the expectation of credit reporting removal that was never honored. This conduct appears to violate multiple provisions of federal law, including : Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX Prohibits debt XXXX from using false, deceptive, or misleading representations, including misrepresenting the terms or consequences of payment. FDCPA, XXXX XXXX. XXXX Prohibits unfair or unconscionable means to collect a debt, including inducing payment based on promises that are not fulfilled. Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX Prohibits unfair, deceptive, or abusive acts or practices ( XXXX ) in connection with consumer financial products or services.

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 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I previously submitted a dispute concerning am account with XXXX XXXX and serviced by XXXX XXXX XXXX. This account is currently in active dispute and is now pending arbitration proceeding with the XXXX XXXX XXXX. TransUnion responded by stating that the account has been " verified as accurate. '' However, it appears that TransUnion relied solely on the furnisher 's response without conducting a reasonable and independent investigation as required under the Fair Credit Reporting Act.

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 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I was solicited by XXXX XXXX, a loan XXXX at NewRez, regarding a mortgage refinance on my primary residence in XXXX XXXX, XXXX. In his opening email dated XX/XX/XXXX, XXXX XXXX explicitly advertised this as a " FREE REFINANCE, '' stating that NewRez would " offset all the costs '' associated with the transaction. This representation was the basis on which I agreed to proceed. I subsequently paid approximately {$700.00} in combined credit report and appraisal fees directly contradicting his written promise that costs would be offset. XXXX XXXX built his refinance proposal around an assumed home value of {$380000.00}, which he described as a conservative estimate of {$370000.00}. No comparable sales data was presented to support either figure prior to my authorization of fees. Based on these projections, the refinance was presented as financially beneficial. The independent appraisal came back at {$340000.00} {$40000.00} below his stated conservative figure. At this appraised value, the only product XXXX XXXX could offer was a 0.5 % rate reduction, making the transaction financially unviable. In summary : Written promise of a FREE REFINANCE with all costs offset not honored Home value assumption of {$370000.00} {$380000.00} used to pitch the product unsupported and {$40000.00} above actual appraised value {$700.00} in fees paid by me based on these misrepresentations The sequence of events an inflated assumed value used to attract commitment, upfront fees collected, and a broken promise of no-cost refinancing constitutes a pattern of misleading conduct. I am requesting that this complaint be investigated and that NewRez be required to respond to both the " FREE REFINANCE '' misrepresentation and the unsupported home value assumption used to solicit my participation. I have retained the original solicitation email as supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: STATE EMPLOYEES CREDIT UNION
State: DC

Complaint narrative:
NC State Employee Credit Union has ruined my credit with charge offs/collections. From XX/XX/XXXX to XX/XX/XXXX, I have been trying to pay off this credit card loan due to a closed checking account from State Employees Credit Union. They have reported my account CHARGED OFF on my credit report and I want it to be deleted and gone. On XX/XX/XXXX I moved away from NC State Employees Credit Union and was unable to directly have access to the branch. That was no problem at all. Thankfully, my checkings account was still available. I was able to pay my balance off of my credit card linked to NC SECU and transfer money to my credit account from my checking account. Additionally, my primary bank was Navy Federal Credit Union. Ive been transferring money from Navy Federal Credit Union to NC SECU just for my convenience. Unfortunately, NC State Employee Credit Union ( NC SECU ) closed off of my checking account without my knowledge due to inactivity, which did not give me access to pay off of my credit card linked to NC SECU. Ive made on time payments until XX/XX/XXXX ( see photos ). On XX/XX/XXXX, the transfer to my checking account bounced because my account was closed ( XX/XX/XXXX Return Reason : Account XXXX see photos ). Within the moments, Ive been calling and feverishly trying to get an account opened so I can pay off my debt ( credit card ). From XX/XX/XXXX ( see pictures ) .. Ive been feverishly trying open a new account ( see photos ) with no luck. From XXXX XXXX XX/XX/XXXX State Employees Credit Union continued to report late payments even derogatory remarks though Ive tried to call, send money and have exhausted all my options to send money to a closed account ( you can see all the evidence below ). On XX/XX/XXXX ( see photos ).. I even tried to add the account AGAIN to my Navy Federal Credit Union to pay this loan back. State Employees Credit Union ruined my credit and my credit report and I want all of this charge off and negative remarks OFF of my account and for a reinvestigation of this account. I tried calling and contacting all they told me was to go to a branch in XXXX. Mind you I cant just drop everything. I lived in XXXX, XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/XXXX, XXXX settlement of {$320.00} was offered and accepted for a Macys credit card collection/ city bank in exchange for recall and deletion. Payment was made and processed. After payment, a different representative attempted to change the settlement terms and demand additional funds. This is an improper attempt to alter a completed settlement agreement.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

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

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have an escrow account with Shellpoint and they failed to pay XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX when I discovered such policy was canceled for lack of payment by mortgagee. XXXX sent the bill to Shellpoint when payment was due XX/XX/XXXX. A second reminder letter was sent XX/XX/XXXX and since no payment was received a third reminder letter was sent on XX/XX/XXXX and Shellpoint ignored all XXXX letters and did not pay the bill from my escrow account. Once I discovered the issue I had to re instate policy at a higher price, {$760.00} more and Shellpoint washed their hands by not re instating it nor to pay the difference on premium. I went through the XXXX XXXX thinking I had protection for property in question but I had none thanks to Shellpoint. Once policy was re instated I informed Shellpoint and they sent payment to XXXX twice, first XXXX on XX/XX/XXXX and second payment on the XXXX of XXXX. Double payment. Do they know what they are doing? They should be out of business. XXXX then sent me a refund check for the double payment XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I woke up and found that I had been logged out of my Cash App account. Around the same time, I received notifications and messages indicating that my XXXX account had been compromised and used to post scam content and photos of my baby. On XX/XX/XXXX, unauthorized transactions occurred totaling {$220.00}. This included {$200.00} withdrawn from my savings and {$25.00} taken from my XXXX XXXX XXXX XXXX account through Cash App. I did not authorize any of these transactions. This money was being saved for my car payment, and I rely on my vehicle for transportation for myself and my baby. Because of this theft, I was at risk of losing my transportation and had to immediately contact my bank to set up a payment arrangement. After noticing the fraud, I contacted my bank and discovered my eSIM/phone number had been compromised through a XXXX XXXX. I went to XXXX the same day and paid for a replacement XXXX card to restore my service and changed my phone number the next day. I reported the issue to Cash App, but my claim was denied stating the transactions were authorized. I was also told I would receive an email to upload supporting documentation, but I never received that email despite contacting Cash App again to follow up. This prevented me from submitting evidence related to the XXXX XXXX and unauthorized access. I am disputing this decision because I did not authorize any of these transactions and my accounts were accessed without my consent due to a XXXX XXXX and account takeover. I am requesting a full refund of the unauthorized transactions and a proper investigation into the security breach and handling of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime closed my account then told me I was ineligible for for a refund check after I went to XXXX and our all my money on my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
On XXXX, I got a message that my credit karma account password was changed. I was able to use app and put it to my password... They tried again so I called support on XXXX and got the resolutions team to clear other sessions and change my account numbers ( checking and savings ). On XXXX they did it again but this time changed the phone number and password on the account and put XXXX on which I can not get past. I couldn't get past the prompt of support phone because the account has a different phone number. I contacted support at XXXX XXXX on chat which said they would escalate it but it's been hours and nothing. I've read on forums that they say this but nothing happens so I need help as I can no longer use the phone support. I suspect the hack is internal because they changed my phone number without any warning or update despite having had the old sessions deleted on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I bought some gift cards from a XXXX and was promised free coffee for purchasing gift cards. XXXX later said management found out and doesn't agree with that and they would not be able to honor it. I asked to return the unused gift cards and pointed out they have no return policy posted anywhere. Credit card company refuses to reach out to vendor and simply dismisses my dispute without any 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