vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
This is a care credit account from synchrony Bank. My husband and I are joint owners on the account. They have determined that he is the primary card holder and only allow the primary card holder to have access to their online client portal. They will not allow me to have my own account access to view statements and make payments. They require me to get the login information for my husbands account, which requires his permission. I believe this violates the Equal Credit Opportunity Act of 1974 because synchrony bank is requiring me to get my husbands permission to access account information on their website and to make any payments or changes to the account, including setting up automatic payments and electronic statements. XXXX, escalation supervisor at Synchrony bank is the one that informed me today via phone call that I can not create my own login and would need my husbands login, and his permission, to access information about this card that is in my name and on my credit report.

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 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
Identical payment periods are being treated inconsistently across my loans for Public Service Loan Forgiveness ( PSLF ) qualification. Specifically, the same months ( including XXXX XXXX and XX/XX/XXXX through XX/XX/XXXX ) reflect qualifying employment and, in some cases, qualifying payments. However, these months are counted toward PSLF on XXXX loan while marked ineligible on another under differing status codes ( e.g., Not Fully Disbursed, Pre-Conversion and Payment Outside the Window ). There is no borrower-driven reason for this discrepancy. I did not initiate any changes during these periods that would justify different treatment between loans. This inconsistency is delaying my eligibility for XXXX and may result in unnecessary additional payments. I am requesting a full review and correction so that all qualifying months are consistently applied across all loans. If corrected, my qualifying payment count would meet or exceed the XXXX threshold required for XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: ID

Complaint narrative:
On XX/XX/XXXX my mortgage loan was paid off with Mr. Cooper. I was informed by Mr. Cooper via a closing statement dated XX/XX/XXXX that I was due a refund from my escrow account. I was also informed that a refund check in the amount of {$270.00} was issued on XX/XX/XXXX and to allow XXXX business days to receive. Check never received. I contacted them again on XX/XX/XXXX and was told the check was reissued and mailed on XX/XX/XXXX and to allow XXXX business days to receive. Check never received. On XX/XX/XXXX I sent a written letter to Consumer Research XXXX XXXX XXXX XXXX, TX XXXX as per instructed on Mr. Cooper 's website. It is now XX/XX/XXXX and I still have had no contact from Mr. Cooper nor have I received the refund check. I have been unable to speak to a live agent at Mr. Cooper via phone, only by chat and now by written communication, and still have had no contact. If you could help me receive the funds that I am due I would appreciate it very much. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Subject : FDCPA Violations, False Service, False Mailing Claims, and Deceptive Litigation Practices by XXXX XXXX XXXX, XXXX XXXX XXXX, and Process Server XXXX XXXX ( Proof Technology New York XXXX ) I am filing this complaint regarding multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) committed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and their process server XXXX XXXX, who works for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX. Across three lawsuits filed against me, XXXX XXXX submitted false affidavits of service, claiming he personally served me at my home on dates and times when service was impossible. On one date, he claimed to have served me while I was driving my daughter to work. I am the only adult male in the household, yet the affidavits describe service on a male resident at times when I was not present. XXXXXXXX XXXX XXXXXXXX filed one of the lawsuits in the wrong venue, despite my correct address being publicly available. XXXXXXXX XXXX XXXXXXXX filed in the correct venue, but the process server still filed false service affidavits in both of their cases The affidavits also falsely claim that copies were mailed to me. No required mailings were ever received from either law firm or the process server. Although the process server did not use the fake XXXX, NY address in my cases, he still falsely claimed that mailings were sent. The only mail I received were court notices, which arrived weeks after the process server claimed service. These court notices were the first time I became aware of the lawsuits. Law Firm Addresses Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veterans Highway, XXXX XXXX, XXXX, NY XXXX This conduct appears intentional and coordinated. The same process server is responsible for multiple false affidavits and false mailing claims across multiple cases and two law firms. These actions caused significant stress, confusion, and fear of default judgments for lawsuits I was never properly notified of. I request that the CFPB investigate these firms and the process server for : FDCPA violations False service False mailing claims Deceptive litigation practices Attempted default judgments without proper notice I can provide all affidavits, court notices, timelines, and evidence upon request

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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On or about XX/XX/XXXX XXXX I mistakenly sent funds to the wrong account. That i no longer have access to. I contacted PayPal immediately to report the issue i was informed that the matter would be resolved within XXXX working days .however that timeframe has passed and I have not received a resolution. Additionally. My attempts to contact PayPal by phone have been unsuccessful. As my calls have been repeatedly rejected

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To Consumer Financial Protection Bureau Subject : Complaint Unauthorized Withdrawals & Improper Setoff ( {$3800.00} ) To Whom It May Concern, I am filing a complaint against Navy Federal Credit Union regarding unauthorized withdrawals totaling {$3800.00}. Transactions : XX/XX/year> {$990.00} ( Acct ending XXXX ) XX/XX/year> {$990.00} ( Acct ending XXXX ) XX/XX/year> {$970.00} ( Acct ending XXXX ) XX/XX/year> {$860.00} ( Acct ending XXXX ) These withdrawals appear to be an improper setoff taken without authorization or proper notice. As a result, funds intended for rent were removed, causing returned payment fees. I Request : Full reimbursement of {$3800.00} Reimbursement of all related fees Investigation into this matter Written explanation Sincerely, XXXX 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 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
In XXXX, LVNV launched a wave of lawsuits against American citizens who were in a vulnerable position from XXXX disaster. to this day, LVNV continues to operate and sue people in the state of Tennessee without the proper licensure : XXXX : XXXX In the database, there are only XXXX entries for LVNV FUNDING , LLC and they are expired and withdrawn, respectively. I want LVNV to be added to the national, federal list of banned debt collectors. I want to know the outcome of this complaint and the findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do not recognize this account and am disputing it due to inaccurate reporting on my credit file. I have never applied for, opened, or authorized this account, and I have no knowledge of its origin. Based on this, I believe the account has been reported in error. Maintaining accurate credit information is very important to me, and I take these matters seriously. I kindly request that you conduct a comprehensive investigation into this account and confirm whether it can be properly verified as belonging to me.

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do not recognize this account and am disputing it due to inaccurate reporting on my credit file. I have never applied for, opened, or authorized this account, and I have no knowledge of its origin. Based on this, I believe the account has been reported in error. Maintaining accurate credit information is very important to me, and I take these matters seriously. I kindly request that you conduct a comprehensive investigation into this account and confirm whether it can be properly verified as belonging to me.

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 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Re : Failure to Provide Proper Debt Validation Account/Reference Number : XXXX To Whom It May Concern : This letter is a formal notice that your office has failed to validate the alleged debt, as required under the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). On XX/XX/2026, I submitted a written dispute requesting full validation of the purported charges your agency claims I owe regarding a former apartment lease. In response, you provided only a moveout statement, which does not constitute proper validation under federal law. Under 15 U.S.C. 1692g ( b ), you are required to provide : Verification of the debt The name of the original creditor Copies of documentation establishing liability Evidence supporting the amount demanded You have provided none of the following items required for validation : Actual paid invoices ( not estimates ) Beforeandafter photographs showing tenantcaused damage Proof that the alleged damage exceeded normal wear and tear Proof that cleaning was attempted and insufficient Receipts or proof of payment to vendors XXXX inspection report Lease sections showing tenant liability for the claimed charges A moveout statement alone is not validation, as it is simply a list of charges written by the original creditor and does not verify liability or provide evidence of necessity. Because the underlying charges relate to alleged damages upon moveout, the landlord is additionally bound by California Civil Code 1950.5, which requires : Documentation showing actual damage beyond normal wear and tear Receipts, invoices, and itemized statements Proof that ordinary cleaning would not have remedied the condition Your agency has provided none of the required documentation. As such, you have not met the legal standards for validating this debt. Furthermore, Californias Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code 1788.17, incorporates the FDCPA into state law and requires full compliance with 15 U.S.C. 1692 et

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 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate balance being reported and collected by Rent Debt Automated Collections. The amount they claim I owe is incorrect because it does not include a {$1000.00} security deposit that I paid at the beginning of my lease. This deposit was never applied or deducted from the balance they are reporting. I reviewed the ledger provided, and it does not show any credit or application of this {$1000.00} deposit. This results in an overstated and inaccurate balance. This is a violation of the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy 15 U.S.C. 1681i, which requires a reasonable investigation Reporting a balance that does not account for a known payment is inaccurate and misleading. I am requesting : A full accounting showing how the {$1000.00} deposit was applied Immediate correction of the balance Deletion of the account if accurate documentation can not be provided This error has negatively impacted my credit and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VETRAN. I HAD DEPOSIT A CHECK THROUGH THE ATM. I WAS TOLD I CAN DEPOSIT A PERSONAL CHECK THROUGH THE ATM ( TELLER ) SO THE LINES WERE VERY LONG SO THATS WHY I HAD WENT TO THE ATM.THEN I WAS TOLD BY ( REPXXXX ) THAT THE MONEY WILL BE RELEASE XX/XX/year>. THEN WHEN I CHECK MY ACCOUNT IT WAS ONLY AVALIABLE WAS {$280.00}. SO I HAD CALLED CUSTOMER SERVICE AND WAS TOLD THAT THEY WILL PUT AN XXXX HOLD ON THE CHECK BECAUSE IT HAS TO GO TO THE FEDERAL TO GET APPROVAL THEN ONCE THE FEDERAL APPROVAL THE CHECK TO MAKE SURE THAT THE CHECK CLEARS.SO THEY ARE HOLDING MY MONEY FOR XXXX DAYS AND IT WILL NOT BE RELEASE UNTIL XX/XX/year>. I HAD MENTION TO THE REP. I WASNT TOLD THAT IT WILL CLEAR XX/XX/year>. NOW WHEN I CALLED TO ASK WHY DID THE REP. TELL ME IT WILL BE RELEASE TODAY XX/XX/year>. THEN THEY TOLD ME THAT I HAD TO WAIT. MY CONCERN IS THAT WHY THE BANK DONT TELL YOU THE UP FRONT INFORMATION SO THAT THE CUSTOMER WILL KNOW. AND I WAS TOLD THAT CALIFORNIA TIME IS DIFFERENT AND THAT I HAVE TO DEPOSIT FUNDS BEFORE XXXXAND I HAVE NEVER HEARD OF THAT. IT NOT FAIR THAT THEY TELL YOU THESE LAWS AFTER YOU DEPOSIT THE FUNDS.EXPLAIN TO THE CUSTOMER ABOUT THE PROCESS OF DEPOSITING A CHECK INTO MY ACCOUNT. I TALK TO A REP. THIS MORNING & HE TOLD ME TO LOOK UP NAVY FEDERAL IN GOGGLE TO SEE THE SUMMARY REGARDING THE CHECK DEPOIST PROCESS, I UNDERSTAND THE PROCESS. JUST DONT UNDERSTAND WHY THEY HAVE NOT SAID ANYTHING FOR THE PAST 2 DAYS I HAVE BEEN TRYING TO UNDERSTAND WHAT IS GOING ON WITH MY DEPOSIT IN M ACCOUNT. I NEED TO PLAY MY BILL. SO I WILL NOT LOSE MY MILITARY ITEMS. MY PERSONAL THINGS AND IMPORTANT PAPERWORK ETC..... BUT THEY HAD RELEASED ONLY {$280.00}. THATS NOT ENOUGH FOR ME TO PAY MY BILL. IF I WOULD HAVE KNEW MY MONEY WAS GOING TO BE A 15 DAY HOLD I WOULD HAVE WENT TO A CHECK CASHING PLACE TO GET MY CASH THAT DAY. I HAVE BILLS AND THINGS TO PAY. I WORKED FOR MY MONEY AND THE BANK IS HOLDING ONTO MY FUNDS. I FEEL DISCRIMINATED AGAINST. AND THE WAY THE WERE TALKING TO MY WIFE WAS VERY RUDE. WE WERE JUST TRYING TO GET AN UNDERSTANDING OF WHY ITS TALKING A LONG TIME. JUST WOULD LIKE TO HAVE AN UNDERSTANDING ALL OF SUDDEN NOW THE FEREAL HAS TO CHECK TO SEE IF THE CHECK IS GOOD. IN ORDER FOR THE BANK TO APPROVAL " THE INFORMATION. NOW THEY HAVE TO GO THROUGH A 3RD PARTY TO SEND MY INFORMATION TOO. I DIDN'T GIVE NAVY FEDERAL TO SEND MY INFORMATION TO SOMEONE ELSE.TO ASK IF IT'S GOOD. PLEASE COULD SOMEONE LOOK INTO THIS MATTER. I ALSO SEE ALOT OF COMPLAINTS AGAINST THIS BANK. I WOULD LIKE HELP PLEASE. THANK YOU SO MUCH. THIS BANK GIVE WRONG INFORMATION. THEN WHEN YOU GO INSIDE OF THE BANK THEY TELL YOU DIFFERENT STORY THEN WHAT THE REP. SPEAK ON THE PHONE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: WI

Complaint narrative:
Jefferson is a third party debt collector which means the previous amount was charged off and they are not able to collect or place on my credit. They have no proof that I owned that account and do not have any paperwork that has my name, signature, DOB and SSI. I would like it removed from ALL bureaus as they are reporting to all 3. Doing research this company ( Jefferson Capital Systems ) is notorious for charging the consumer when the original company has charged it off and they filed it on their taxes. The amount for {$11000.00} is not mines and I would like it removed immediately. I have contact all 3 bureaus and it was removed for XXXX days but placed on again after Jefferson added it again under a different account. I would like this erased from my credit history ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been in contact with XXXX XXXX since XXXX and since then I have closed my account with them and paid off the last standing balance just for them to put a {$2.00} fee on my account they failed to send a letter or email regarding that XXXX XXXX were left to pay when the account is closed. Even so when I tried to close the account early XXXX they refused to do it and sent me around to XXXX different departments refusing to close my account. Now they are sending mail again saying we owe XXXX XXXX in late fees for a payment that has been made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : PRE-LITIGATION NOTICE FCRA VIOLATIONS, IDENTITY THEFT, AND DEMAND FOR RELIEF To : Capital One Legal Department / Executive Office Re : Account Ending in XXXX Dear Sir or Madam, This correspondence serves as a formal pre-litigation demand regarding Capital Ones willful failure to conduct a reasonable investigation and its continued maintenance of inaccurate and unverified information associated with my identity. I have previously disputed the above-referenced account and clearly stated that I did not open, authorize, or benefit from this account. Despite this, Capital One issued a conclusory denial based on unverifiable and demonstrably incorrect data, including reliance on an address ( XXXX XXXX XXXX XXXX, XXXX, CA ) at which I have never resided. Capital One has failed to produce any competent evidence of authorization, including : A signed agreement IP address logs Device identification Authentication or verification records Your investigation falls far below the standard required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which mandates a reasonable and good-faith investigation upon notice of dispute. Furthermore, your continued maintenance and use of this account within your internal systemsdespite lack of verificationconstitutes negligent and potentially willful noncompliance, causing harm to my financial reputation and ability to access banking services. Additionally, the inconsistent handling of this account ( maintained internally but not reported to consumer reporting agencies ) raises serious concerns regarding unfair and deceptive practices. DEMAND FOR RELIEF : To resolve this matter without litigation, I demand the following within XXXX ( XXXX ) business days : 1. Immediate and permanent deletion of the account from all internal systems 2. Removal of any fraud flags, risk indicators, or negative internal coding 3. Written confirmation that my identity profile has been fully cleared 4. Assurance that no adverse decisions will be made based on this account 5. Compensation for damages caused by your failure to properly investigate and correct this matter If these demands are not met, I am prepared to pursue all available legal remedies, including filing suit for : Willful and negligent violations of the Fair Credit Reporting Act Defamation ( if applicable through internal or external reporting ) Negligent investigation Any additional state and federal claims I am fully prepared to seek statutory, actual, and punitive damages, along with attorneys fees and costs. This letter serves as your final opportunity to resolve this matter prior to litigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation