vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
we recently bought XXXXXXXX XXXX XXXX XXXXXXXX XXXX CO, XXXX in XXXX, and sold our other home in XXXX. With the equity I received from the other home, I was planning a recast to lower my mortgage payment. My loan was closed through XXXX XXXX, and then sold to Rocket Mortgage. I called rocket mortgage and started the process of a recast. I paid their {$250.00} fee to start the recast process, and then received an email saying I can not recast my mortgage because its being transferred. This is the second time my loan has been transferred, and with Rocket Mortgage saying it takes XXXX days to perform a recast, how am I supposed to be able to complete a recast If I have been sold twice in a month? I can not get any information from the company about my recast, the fee paid, or who my new servicer is. All I know is that it was sold to XXXX XXXX - and when I do my loan lookup it was sold to " XXXX XXXX XXXX XXXX ''. I called XXXX bay financial, and there is no way to get an actual human to figure out who is actually servicing the loan! They apparently own the loan and XXXX of their companies they work with will service the loan. All I want is to be able to recast my equity into my new house. I have paid XXXX $ in interest so far that I have not needed to pay because I can not get any information from Rocket or XXXX. I pay {$50.00} a day in worthless interest because I can not give someone {$250000.00}! Who owns my loan and how can I pay them!? I was on the phone with rocket mortgage for over XXXX hours today alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a fraudulent account that has remained on my credit report for more than XXXX months despite multiple disputes. I have repeatedly notified the credit bureaus that this account is the result of fraud and does not belong to me, yet it continues to be reported without proper verification. Account Name : COMENITYXXXX Account Number : XXXX Date Opened : XX/XX/year> This inaccurate reporting is causing serious damage to my credit and financial standing. Under the Fair Credit Reporting Act, only accurate and verifiable information may be reported. If this account can not be properly verified as mine, it must be removed immediately. I am requesting a full investigation and the immediate permanent removal of this fraudulent account from my credit report. The credit bureaus and the reporting company must comply with federal law and correct this matter as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I paid the HELOC off in XX/XX/XXXX with Specialized Loan Servicing, who had acquired the account in XXXX from XXXX XXXX XXXX where I had initially made the loan in XXXX. The mortgage satisfaction letter from XXXX had the wrong book and page number recorded, thus delaying my approval for a HELOC with XXXX XXXX XXXX that I applied for in XXXX XXXX was acquired by XXXX XXXX who then merged with Shellpoint, DBA New Rez. My first contact with New Rez was by phone on XXXX, was told that the problem would be corrected in 30 days if I submitted a written request which I mailed the following day. My wife and I began follow up contact by telephone and email on XXXX asking about the status of my request.We were told that a record of title would be needed to correct the problem, which we promply submitted. We never received a phone reply from New Rez. We received two emails/letters indicating they were working on the problem.We received a final response email on XXXX indicating that Shellpoint DBA New Rez was not responsible for the problem and would not correct 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 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint regarding Resurgent Capital Services and LVNV Funding LLC. On XX/XX/year>, I sent written correspondence disputing the alleged debt and requesting full validation. In that same letter, I clearly requested that all communication cease. After continued contact, I sent a second written notice on XX/XX/year>, again disputing the debt and reiterating my request for all communication to stop. Despite receiving my written requests, the company has continued to send repeated text messages attempting to collect the debt. To date, I have received at least XXXX or more text messages after my cease communication requests were delivered. On or about XX/XX/year>, the company responded with an account summary and a single statement. This does not constitute proper validation of the debt. The company failed to provide a complete chain of ownership, proof that they have the legal right to collect, a signed agreement, or a full payment history. Despite my written dispute and cease communication requests, the company continues collection attempts via text message, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that all communication stop immediately, that the company either properly validate the debt or cease collection efforts entirely, and that appropriate action be taken regarding these violations. I have retained documentation of my letters and all text messages as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 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: AL

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: AL

Complaint narrative:
Being falsely accused of owing debt when it's not mine I've disputed this several times and to no avail. I need these accounts removed from my credit report, they are affecting my waf of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: CITIBANK, N.A.
State: TN

Complaint narrative:
To whom it May Concern, I would like to report Citicards CBNA for opening a credit card on my name without my authorization. I use an app called XXXX XXXX and to monitor my credit score often. In XX/XX/XXXX, I started getting emails regarding my score going down, I only have XXXX credit card and all my debt has been taking care of, so I checked my credit report and found out about a credit card on my name that I did not open. I printed the information and called Citicards CBNA with the information provided on my credit report. ph number XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX, apparently, the account was open in XX/XX/XXXX as a " revolving account '' whatever that means and as a Flexible spending credit card credit balance {$2400.00}. The payment history shows that they used all the credit on XX/XX/XXXX and of course never made payments so it went into delinquency since then. So, I called the bank and spoke with " XXXX '' who informed me what I already knew, that I do not have any acc with them. I was frustrated because if I did not have an acc with them then where this information on my credit report was coming from?? I kept calling them until on XX/XX/XXXX I spoke with XXXX, with the applications department ph # XXXX. She did find the acc, asked me a few questions like a phone number I have never had, an email I have never had and my legal name which, they had my last name wrong as well. She said they will freeze the acc and remove from my credit score. On the same ph call, I requested that she send me all the information she had, because I was sure I have never applied for a credit card with them. She said she was going to send me the information on the mail in 10 days same that I have not received still today ( XX/XX/XXXX ). I have always take care of my accounts and I happen to be organized with my bills. I just think is not fair to ruin my credit just because they were NOT making sure of identity when they open an authorized that credit card and I want them to respond and remove the fraudulent account from my credit score asap. Thank you for your help. Sincerely, 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 explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I am submitting this complaint as an escalation regarding CNAC, LLC d/b/a Byrider and its handling of my accounts and associated funds. Despite prior disputes and communications, CNAC has caused material financial harm, including : Stopping all reporting to credit bureaus ( account now absent from reports ) but failing to release owed funds that were due to me under prior agreements. Reporting contradictory account information for nearly one year before ceasing all reporting, creating confusion and financial uncertainty. Interfering with financial transactions and credit opportunities, including housing and banking access. Failing to provide proper verification or resolution despite repeated attempts to correct the account. Legal Escalation Notice : A formal lawsuit has been filed in XXXX XXXX, Florida, Circuit Civil Court : Case Number : XXXX Department / Division : Circuit Civil , CV-A Plaintiff : XXXX XXXX Defendant : CNAC, LLC d/b/a Byrider XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Judge : XXXX XXXX XXXX XXXX XXXX Case Status XXXX OPEN File Date : XX/XX/XXXX Court Documents/ Key Events : XX/XX/XXXX Complaint for Damages XX/XX/XXXX Certificate of Indigency XX/XX/XXXX Summons Issued to CNAC, LLC d/b/a Byrider XX/XX/XXXX Notice of Service of Process Breach of Contract XX/XX/XXXX Case Management Order Setting Projected Trial Date ( CMC set for XX/XX/XXXX at XXXX XXXX ) Impact / Harm XXXX Funds owed by CNAC have not been issued despite reporting ceasing Interference with housing and financial stability Emotional stress and economic harm caused by prolonged dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
Upon downloading my official XXXX XXXX file from studentaid.gov on XX/XX/XXXX, I discovered that all XXXX of my federal Direct Loans serviced by MOHELA reflect a delinquency date of XX/XX/XXXX. This is inaccurate. My records simultaneously show a confirmed payment as recently as XX/XX/XXXX, a {$0.00} outstanding interest balance on all XXXX loans, a current loan status of XXXX XXXX on all XXXX loans, and a next payment due date of XX/XX/XXXX. A borrower who is actively in repayment with a recent confirmed payment and XXXX interest balance should not have any delinquency date on record. I did not receive any notice of delinquency from MOHELA, and no delinquency is reflected in my payment history or current account status. My XXXX loans are XXXX XXXX XXXX and XXXX loans totaling approximately {$25000.00}, originated between XXXX and XXXX through XXXX accredited universities. All loans are on a XXXX XXXX plan with scheduled payments beginning XX/XX/XXXX. Additionally, all XXXX loans reflect XXXX XXXX Cumulative Matched Months despite my being a licensed Registered Nurse making qualifying payments, which I believe represents a separate MOHELA tracking failure. This erroneous delinquency date is consistent with the documented systemic servicing failures that are the subject of active litigation against MOHELA, including AFT v. MOHELA ( DC XXXX XXXX, XXXX ) and XXXX XXXX MOHELA ( XXXX. XXXX, XXXX ). I am requesting investigation into the source of this delinquency date, correction of any erroneous credit reporting, and a full accounting of my PSLF payment tracking.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 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: VA

Complaint narrative:
I. XXXX History & Initial Good Faith Effort I have been a loyal PayPal customer for XXXX years ( since XXXX ). On XX/XX/XXXX, I contacted the merchant, XXXX, to report a damaged necklace and earring set from a XXXX order. When I was unable to resolve this with the merchant, I escalated the matter to a PayPal dispute on XX/XX/XXXX. XXXX. Constant Communication and Unexplained Delays Since filing the initial grievance with PayPal on XX/XX/XXXX, I remained patient and in constant communication with PayPal. Despite my active participation, PayPal repeatedly extended the resolution dates on several occasions without providing a reason or a final resolution, stretching the process out for weeks while the damaged merchandise remained in my possession awaiting their instructions. XXXX. Compliance with PayPal-Generated Instructions On XX/XX/XXXX, XXXX emailed me instructions to return the damaged items. Crucially, XXXX own system identified the refund amount as {$200.00}. I did not request this specific amount ; I simply followed the instructions provided by the PayPal XXXX XXXX XXXX to return the damaged merchandise. I mailed the items via XXXX on XX/XX/XXXX and provided tracking/delivery proof to PayPal XXXX XXXX times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). IV. Bank Reversal vs. Erroneous " Fraud '' Label After waiting XXXX days ( from XX/XX/XXXX to XX/XX/XXXX ) for PayPal to honor the refund amount they calculated, I contacted my bank on XX/XX/XXXX. On XX/XX/XXXX, the bank reversed the {$200.00}. PayPal has since mischaracterized this standard consumer chargeback as " Unauthorized Activity '' or " Potential XXXX. '' I want to be explicitly clear : This was not fraud. This was a bank reversal for a merchant dispute. XXXX is now improperly locking my account features and demanding " verification fees '' for a non-existent security risk. XXXX XXXX XXXX & Contradictory Decisions On XX/XX/XXXX, PayPal marked Case ID XXXX XXXX XXXX Closed in my favor. '' Yet, on XX/XX/XXXX, they issued a notice saying it was " Closed in the seller 's favor '' because I " didn't respond. '' Furthermore, PayPal has " scrubbed '' the history from my dashboard, fragmenting the {$200.00} balance into XXXX hidden Case IDs ( {$44.00} and XXXX for {$52.00} ) to facilitate collection. As of today, XX/XX/XXXX, PayPal has began to initiate an aggressive automated debt collection call for a balance their own system originated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/year>, I contacted CareCredit ( Synchrony Bank ) to resolve my account. They transferred me to their collections department. Their representative explicitly instructed me to call back in XXXX business days for a resolution. I followed those instructions exactly and called back today, XX/XX/year>. During that waiting period, CareCredit breached their own timeline and transferred my account to a third-party collection attorney. This is a deceptive practice and a failure of the internal procedure they provided. I was acting in good faith to resolve this debt personally following my home closing on XX/XX/XXXX. Desired Resolution : I am requesting that CareCredit immediately " Recall from Collections '' this account so that I can settle it directly with the original creditor and ensure no collection marks appear on my credit report due to their procedural error.

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 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a VERIFIED victim of identity theft and have fully complied with all federal requirements by submitting an FTC Identity Theft Affidavit, government-issued identification, and proof of address. Despite this, the credit bureau has FAILED to delete the fraudulent account ( XXXX ) from my credit report within the MANDATED XXXX ( XXXX ) business days as required under FCRA 605B. This is a clear violation of my consumer rights. Additionally, the bureau has FAILED to provide any lawful verification of these account ( XXXX ) as required under FCRA 611. These continued violations have caused significant damage to my credit profile and are directly impacting my ability to obtain credit, housing, and other essential services. The ongoing reporting of fraudulent information demonstrates a blatant disregard for federal law.

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 2026-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: NM

Complaint narrative:
In 2024, I was XX/XX/XXXX. With the forbearances, my employment years were not counted. Now, with the new payment amount, it's unaffordable. I submitted a Buyback request in XXXXXX/XX/XXXX 2024 and have not heard anything since.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I contacted Comenity Bank regarding a {$30.00} late fee applied to my XXXX XXXX on XX/XX/XXXX, and a {$2.00} minimum interest charge applied that same day. A customer service representative explicitly told me both charges ( totaling {$32.00} ) would be reversed. Based on that assurance, I paid my remaining balance of {$37.00} in full on XX/XX/XXXX the exact balance owed minus the {$32.00} I was told would be waived. I have payment records confirming this. I received no further billing statements or notifications of any outstanding balance and believed my account was at {$0.00}. I was not contacted again until several weeks later, when XXXX called to inform me of a problem with my account. Upon checking, I discovered the original fees were never reversed. As a result, a XX/XX/XXXX late fee of {$32.00} was applied on XX/XX/XXXX, followed by another {$2.00} interest charge on XX/XX/XXXX bringing the total disputed balance to {$66.00}. Every XXXX of these charges is a direct consequence of Comenity Bank failing to honor their representative 's commitment. When I called to dispute this, I was told there was no record of my prior call, and a manager refused to reverse more than XXXX fee despite my being a cardholder since XXXX. I have since closed the account. I am requesting full removal of all {$66.00} in charges, written confirmation of a {$0.00} balance, and immediate retraction of any negative credit reporting tied to this balance.

Company response to consumer: Closed with monetary relief