vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 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: DISCOVER BANK
State: AZ

Complaint narrative:
I am a XXXX individual and unfortunately my gone missing so there was several charges that I didn't recognize which I reported to Discover. After a week an agent from Discover called me and she was extremely rude and unprofessional. I she didn't care about my XXXX and I felt very discriminated by the way she was speaking with me. When I asked her why she was rude to me she hung up the phone on me and retaliated against me by putting the charges back on my credit card. I called Discover and they assured me that they will reopen the investigation and provide temporary credit. 
Unfortunately they didn't and they are refusing to help me with my dispute and fraudulent transactions. They also charged me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Company : Transworld Systems Inc. 
Related Company : XXXX XXXX Complaint Summary : Transworld Systems Inc. is attempting to collect an alleged debt tied to Enterprise Rental Agreement # XXXX ( RAC XXXX ), TSI Account XXXX XXXX. 

XXXX XXXX XXXX has contacted XXXX directly. XXXX has indicated there is no record of an outstanding balance associated with this rental agreement. Despite this, TSI continues collection efforts without providing any documentation explaining what the alleged balance represents. 

No itemized accounting, signed agreement, invoice, damage claim, toll charges, or proof of assignment has been provided. 

This debt is formally disputed. We are requesting : * Immediate cessation of collection activity * Full written validation of the alleged debt * Confirmation that no credit reporting has occurred, or immediate deletion if it has * Written confirmation that the account is withdrawn and closed Attempting to collect a debt that the original creditor can not validate raises serious concerns regarding compliance with the Fair Debt Collection Practices Act. 

We request investigation and formal response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Florida Southern Bankruptcy Court Fort Lauderdale Divisional Office that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2026-02-12 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: Chime Financial Inc
State: AL

Complaint narrative:
My money was taken out of my account by a hacker asking me to download a link I reported this to chime and also provided them every detail available even showed them proof and they still havent returned my money back to my account is how my police report proof of my identity being taken and also proof of someone accessing my account through a link and they keep denying my claim NEXT I WILL BE TAKING THIS TO COURT I have no money to just loose because SOMONE WHO SENDS ME A CHIME LINK STILL MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Around XX/XX/XXXX, I disputed several collection accounts on my credit report with the following credit reporting agencies : TransUnion, Equifax, and Experian. 

Between XX/XX/XXXX and XX/XX/XXXX, each credit reporting agency responded that the disputed accounts were verified. 

On XX/XX/XXXX, I sent a written request by certified mail to each credit reporting agency requesting the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The requests were delivered between XX/XX/XXXX and XX/XX/XXXX, as confirmed by USPS proof of delivery. 

Under federal law, a credit reporting agency is required to provide a description of the procedure used to verify the disputed information within 15 days of receipt. 

As of XX/XX/XXXX, the credit reporting agency named in this complaint has failed to provide the requested method of verification or any supporting documentation. 

By failing to respond, or by providing only a generic verification without explaining the procedure used, the credit reporting agency has not complied with the Fair Credit Reporting Act. 

Accounts Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-02-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding improper handling of a prepaid gift card dispute by InComm Payments ( Vanilla Gift Cards ).

I purchased a Vanilla Visa gift card that was defective and unusable upon purchase. The card also reflected unauthorized transactions that I did not make. I never had a meaningful opportunity to use the card.

I timely submitted the required dispute form and supporting documentation ( completed form, receipt, and photos ) by both email and fax as instructed.

The company initially closed my case claiming the documentation was not received. After I escalated, their team confirmed in writing that my documentation had been received.

Despite this written confirmation, my case was closed again without explanation or resolution. 

This pattern demonstrates improper dispute handling and failure to conduct a reasonable investigation after acknowledging receipt of required documentation. 

I am seeking : Reopening of my original dispute A proper investigation Restoration of the full remaining balance through refund or replacement card Written explanation for the repeated improper closures I have retained documentation of submission confirmations and company responses. Case number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a charged-off account being reported by SYNCB/CARECR ( Synchrony Bank / CareCredit ) with the following details : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Account Status : Charge-off ( TransUnion shows Indeterminate ; XXXX  shows Closed ) Balance Reporting XXXX TransUnion shows {$0.00} ; XXXX shows {$9100.00} Remark : Charged off as bad debt Bureaus Reporting : XXXX  and XXXX, XXXX Material Inconsistencies/ Failure to Clarify Legal Status This tradeline contains material inconsistencies across bureaus ( including conflicting balance and status fields ). These inconsistencies are materially misleading and indicate a failure to maintain accurate records.

Failure to Issue Required 1099-C Because the amount exceeds {$600.00}, and the account is reported as charged off, Synchrony must either ( a ) provide documentation that no cancellation-of-debt event occurred, or ( b ) provide the Form 1099-C if cancellation occurred, under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1.

To date, no 1099-C or explanation has been provided to me.

FCRA Violations This violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( inaccurate/misleading furnishing ) 15 U.S.C. 1681s-2 ( b ) ( failure to reasonably investigate and correct ) Demand for Relief I demand that SYNCB/CARECR : Delete the tradeline from all consumer reporting agencies due to inaccurate and unverifiable reporting. 

This complaint is submitted to the CFPB for regulatory review and enforcement.

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 2026-02-12 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: Shellpoint Partners, LLC
State: MI

Complaint narrative:
First, Shellpoint Mortgage ( AKA Newrez ) has been making mathmatical mistakes on my escrow analysis as well as discriminating against me for filing XXXX in my life. I called Shellpoint Mortgage in XX/XX/XXXX to say I couldn't log into my account. The female agent who I spoke with told me there was issues with the website and try again the following day. As I was about to hang up, I asked about a {$30.00} fee on my account which I figured was a late fee for being late on my mortgage payments. The agent tells me the {$30.00} was ordered by Shellpoint Mortgage for an inspection on my home back in XX/XX/XXXX all because I filed bankruptcy. This is a clear violation of my human and civil rights as a person including discrimination and judging a person for hardships in their life. I was never notified by Shellpoint Mortgage of such inspection. As far as I'm concerned, Shellpoint violated the Mortgage agreement and State of Michigan law along with Federal Laws. At least what I was told by a lawyer I ran into while doing my job. I contacted Shellpoint via a specific email account to request the {$30.00} be waived. Shellpoint Mortgage sends out encrypted emails with instructions on how to access account, but every time I try to log in, I'm denied access because the instructions are incorrect. I even emailed them not to send any more encrypted emails an what do they do? Send more encrypted emails. I would rather Shell Point Mortgage send me paper via XXXX mail. Second, Shellpoint Mortgage has made math errors on my XXXX XXXX XXXX. There is a figure highlighted where they say we take {$1500.00} and divide by XXXX. Take the {$120.00} and multiply my XXXX and the answer should be {$250.00}. Their figure shows {$300.00} because the yare adding additional figures into the highlighted figure and coming up with their own number when they should be providing all figures which should be highlighted. Sadly they are messing with my money and livelyhood living in my home. Almost as if they want to cause me to default on my home which I can't understand why anyone would treat a human being this way. Third, the website for Shellpoint is not up to date where I made an Escrow payment of {$62.00} on XX/XX/XXXX and still showing I owe {$61.00} for an escrow shortage. Please make sure they understand the concerns I have pointed out and please correct. Thank You for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: GA

Complaint narrative:
I received and email and phone XXXX who works for FMA alliance harassing me over over a debt that doesn't belong to this company. This company has no rights or ownership of this account. This debt collector is in violation of my consumer protection rights. Per 15 USC 1692g a debt validation must be done. I would like for FMA Alliance to provide debt validation by providing me bill of sale. Title of ownership, contract showing my signature and each transaction that also show my signature. Proof of ownership must be dated along with a valid bill of sale that shows the date and the amount you paid for this debt. Please do not call, email or harass me with out providing all required information to validate this debt. If I am harassed I will sue for harassment and violation of my protection right as a consumer. The account with XXXX  XXXX XXXX  is well over collectible status. FMA alliance has no right or jurisdiction to collection on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
An unknown caller ID contacted me saying it was a legal location request to locate me for Acima and to call XXXX and give them a code they gave me and when I called them they wanted me to pay XXXX to avoid legal actions being taken against me and kept asking for some type of card to put on file and asked when do I get paid. I told them I was suppose to be done with the payment already and a discount was applied being that we were on Medicaid at the time and that was disregarded saying Acima doesn't offer anything to people with Medicaid. What!?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NJ

Complaint narrative:
My place was burglarized a few years ago all of my old accounts were compromise so I had to file a police report about it and the fraud under my XXXX  XXXX XXXX account. I didnt realize that my Cash app was also affected I tried access isnt it to see a message stating that my account was under investigation of fraud and Ive been trying to send the supporting police documents and it hasnt been properly added to my case that isnt fair

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have an account with US Bank, and since XX/XX/XXXX, I have not been able to access it at all. I contacted the bank, and I was informed that my account would be closed due to a check that was allegedly returned. However, I am not aware of any returned check or insufficient funds issue, and I have not received any clear explanation regarding this matter. 



They sent me a letter, but unfortunately, I do not have a copy of it. According to the letter, the account would be closed on XX/XX/XXXX, and the remaining balance would be mailed to me on XX/XX/XXXX. 



At this time, I am facing serious financial difficulties. I am unable to pay my companys insurance, I owe payment to my employee, and I am experiencing significant hardship because there is {$4800.00} in the account that I am unable to withdraw. The funds have not been released. 



I currently reside in the state of Florida, where there are no US Bank branches available, which makes it impossible for me to visit a branch in person. The closest branch is located in Tennessee. 



I urgently need access to these funds in order to stabilize my financial situation, pay my outstanding obligations, and avoid the risk of having my companys insurance canceled. Unfortunately, I have not received any further updates or clarification from the bank regarding this matter. 



I would greatly appreciate your prompt assistance and clarification.

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 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Around XX/XX/XXXX, I disputed several collection accounts on my credit report with this credit reporting agency. 

Between XX/XX/XXXX and XX/XX/XXXX, the credit reporting agency responded that the disputed accounts were verified. 

On XX/XX/XXXX, I sent a written request by certified mail requesting the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

The request was delivered on [ XX/XX/XXXX XXXX XX/XX/XXXX ], as confirmed by XXXX proof of delivery. 

Under federal law, the credit reporting agency is required to provide a description of the procedure used to verify the disputed information within 15 days of receipt. 

As of XX/XX/XXXX, the credit reporting agency has failed to provide the requested method of verification or any supporting documentation. 

By failing to respond, or by providing only a generic verification without explaining the procedure used, the credit reporting agency has not complied with the Fair Credit Reporting Act. 

Accounts Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I am currently in the XXXX XXXX XXXX XXXX ( XXXX ) program was a Department of Veterans Affairs initiative launched in XXXX to help struggling veterans avoid foreclosure by purchasing their defaulted loans and modifying them to a 2.5 % fixed rate. 

While going the modification to be put into the XXXX program I was making monthly payments of {$3800.00} towards my mortgage payment. I made a payment of {$3800.00} on XX/XX/XXXX that was to cover the mortgage due for the month of XXXX XXXX XXXX. Instead of applying that payment to XX/XX/XXXX, Loan Depot applied this payment to XX/XX/XXXX. 

This issue is that the mortgage due that was past due for XX/XX/XXXX is wrapped into the loan modification ( XXXX XXXX XXXX XXXX  ( XXXX ) program ) which added all the unpaid mortgage months from XX/XX/XXXX to XX/XX/XXXX. I was given my new total loan amount of {$760000.00} which encompassed all arrears during the modification period. 

I have called to address this with Loan Depot six times in XX/XX/XXXX, 4 times on XX/XX/XXXX, and 3 times in XX/XX/XXXX. The company representatives are often confused, unable to decipher the notes on the account and promise to get answers but never do. 

Loan Depot has acknowledged that this payment was incorrectly applied but has failed to correct the mistake which adversely affects my credit report and ability to make monthly payments on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: TN

Complaint narrative:
I fell at work and was seen in the XXXX  at XXXX XXXX XXXX XXXX XXXX, TN. This occured 3 years ago. This is a workmans comp claim. Action Collection Agency of XXXX  has been provided the information who to call multiple times. They have been provided names and phone numbers who to call multiple times. 

Instead of doing their job, every few months they will start calling me and leaving me messages again for me to pay the debt. Or ask for the information for the workmans comp office again. This has progressed to the point of harassment in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
I graduated in XX/XX/XXXX and Mohela dropped my credit score in XX/XX/XXXX starting I was 90 days late on a payment when the XXXX  month between graduation and repayment hadnt finished. Mohela dropped my credit score and when I called to see why did this occur, they stated their system made an error and they dont know when they can fix it. I stated I need a letter stating what occurred to show the credit bureaus and they said no.

Company response to consumer: Untimely response