vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of 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 2026-01-29 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: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from 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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We had bill pay set up through Wells Fargo to send {$500.00} a month to XXXX XXXX XXXX ( XXXX ) to pay a bill. I was notified on XXXX XXXX that XXXX had not received XXXX XXXX Payment. Our XXXX payment was returned to Wells Fargo and we were not sure why. We paid XXXX a different way for XXXX. Once we found out they didn't receive payment for XXXX we looked into this and noticed that the account number we were paying to switched at the end of XXXX. We did not authorize this change. Our XXXX payment of {$500.00} was never returned and our XXXX payment of {$500.00} was sent out before we found the switch in account number. Wells Fargo is claiming the Payee switched the account number which is not true. The account number that we were paying before XX/XX/XXXX is the same account number we are currently paying now in XXXX. We are not using Bill Pay through Wells Fargo to pay this bill anymore. The payee wouldn't switch the account number when that is the same account number we are still paying to this day. The account number didn't change. Wells Fargo is claiming that we were notified of this change. We did not AUTHORIZE this change to be made and think that in order for our money to be sent somewhere else we should have to AUTHORIZE a change rather than just be notified about it. We are currently out {$1000.00} in total. Wells Fargo is refusing to stand behind this. We have made several attempts to talk to Wells Fargo about this and filed complaints several times only for them to refuse to give us our money back. I have gone months reaching out and being handed off to different people in the company that say they will call back and send information and rarely have gotten a response from them. I started contacting Wells Fargo about this issue on XX/XX/XXXX and have made numerous phone calls and they keep handing the issue off to someone else. We went to our local Wells Fargo bank and had a banker helping us as well and they were not getting anywhere either with getting responses from the executive office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am completely locked out of my Robinhood account due to failed biometric login attempts. Password login and password reset do not work. I have made every attempt possible too connect with the company to resolve this issue, however their internal support system requires me to log in to request help, which is impossible because I am locked out. In addition, there are no active/ functioning contact numbers for the company. 
I have been unable to access my funds for several days and as a result experienced/ experiencing significant, direct financial harm, including bank overdrafts and bounced payments. I urgently need access to my own money. 
I am requesting immediate identity verification to unlock my account and restore access to my funds. 

Robinhood support case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a Chase bank account and put in the life insurance money I received when my dad died in XXXX. 
I did not like to look at that account and VERY RARELY signed in. 
When I decided to look and see what I had left ( because I wanted to move it to invest or something ) I found tons of unauthorized ACH transfers ( along with XXXX XXXX XXXX charges for over {$10000.00} ). The total amount stolen was {$47000.00}. {$47000.00} of the {$72000.00} I had left of what my dad left me. I had NEVER been notified of suspicious activity, none of these transfers were ever reviewed. These transfers were to XXXX XXXX, XXXX XXXX, and each was XXXX, XXXX XXXX some even {$8000.00}. All to accounts I had never interacted with before. 
Why was I never notified?? Chase said I did not have my alerts on so thats why. But thats ridiculous. 

They gave me back {$18000.00} after their investigation and said it was out of the time window to do anything else for me. 

I understand theres a timeframe. It is just awful because that money was tied to the heavy grief of me losing my young dad unexpectedly. I think anyone grieving can understand how we do weird things. I wish I had looked at the account sooner but also where the heck was Chase fraud protection????

I recently started transferring money out of Chase to my own high yield savings account and immediately was met with needing to verify my external account and also reviews upon submitting every transfer. 
Where was this while the money was being STOLEN?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I am a XXXX  resident and a XXXX XXXX XXXX enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX ) program. My federal student loans are serviced by MOHELA. 

On XX/XX/XXXX, I submitted an application to enroll in the XXXX income-driven repayment plan after my prior repayment plan ( XXXX ) was shut down and my loans were placed into an administrative forbearance. This forbearance was not voluntary and caused my payments to stop counting toward XXXX despite continued qualifying employment. 

MOHELA did not process my XXXX application for more than a year and provided no decision, explanation, or meaningful communication. After repeated follow-up on my end, MOHELA instructed XXXX to reapply. I submitted a second XXXX application on XX/XX/XXXX, and was told it would be processed within XXXX business days, that time has since passed with no update. 

As of XX/XX/XXXX, nearly XXXX years after my original application, I contacted MOHELA again and was told there are no updates, no internal notes, and no anticipated timeframe for processing my XXXX  application. I was also told that while I wait for a decision, interest continues to accrue on my loans. 

Because of MOHELAs failure to process my repayment plan application, my progress toward XXXX has been frozen through no fault of my own, and my loan balance continues to increase solely due to administrative delay. I have followed all instructions, submitted all required documentation, and exhausted all reasonable attempts to resolve this directly with the servicer. 

I am filing this complaint due to MOHELAs unreasonable and prolonged delay in processing an income-driven repayment plan application, lack of transparency or accountability, and the financial harm caused by interest accrual during servicer inaction.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC
State: OR

Complaint narrative:
I sold a property on XX/XX/year>, paid of the HELOC through escrow, signed a form to close the loan after payoff ( in escrow ), and the loan was never closed. I still have a loan in my name with a lien on a property that I do not own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I financed XXXX  XXXX  through XXXX XXXX for XXXX XXXX. XXXX  is no longer providing treatment, has failed to complete my care, and is not processing my full refund. XXXX is continuing to bill me for services not rendered. I am requesting that payments be stopped and a full refund be issued due to failure to provide contracted 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 explanation
Consumer complaint received 2026-01-29 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX, a {$200.00} withdrawal was completed in XXXXXXXX XXXX, a XXXX XXXX XXXX from my home. I did not make that transaction, nor did I ever lose my debit card. The card in question is used very infrequently, and was in my possession at the time of this complaint. 

I think it very important to note that this was the same day that I received an e-mail from XXXX indicating my new debit card was being processed. COINCIDENCE? 

I reported the theft of the {$200.00} and was denied compensation based on their only flawed argument that the card is impossible to be counterfeited, so I must have been responsible. 

I filed an appeal, which was denied, based on only XXXX piece of information, as stated above. " The card can not be counterfieted '' Reminds me of a story about a boat that couldn't sink. 

By the time this decision was rendered, XXXX XXXX XXXX doesn't have any images of my laying around in my XXXX, but I do have receipts from XXXX and XXXX XXXX XXXX in XXXXXXXX XXXX, dated XXXX at XXXX and XXXX respectively. I have filed a police report with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. He is currently attempting to gain the XXXX coverage from XXXX showing me in their store. I checked with XXXX XXXX XXXX XXXX and they were unable to provide XXXX of that time frame. 

Being XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX makes it difficult for me to PROVE where I, or my debit card were at any moment in time, however having this account for over XXXX years, without any prior transaction disputes, should account for some credibility on my part. 

Very kindly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I am filing this complaint regarding a servicing error by my mortgage lender following a loan transfer. I met all requirements to remove my escrow account, but the lender is failing to update my billing statement despite accepting payment for the change. 

Key Facts : Full Compliance : My escrow account was paid in full prior to the loan transfer. 

Agreement & Payment : Upon transfer, the new lender agreed to waive the escrow requirement. They charged a specific " Escrow Waiver Fee, '' which I paid in full. 

Acceptance of Funds : The lender accepted and processed this fee, effectively executing the agreement to remove the escrow requirement. 

Despite accepting the fee, the lender continues to bill me for escrow payments. When contacted, they stated it may take " months '' to process, during which time I am expected to pay hundreds of dollars in redundant escrow charges. 

I do not have the liquidity to " float '' these unnecessary payments. I have already fulfilled my financial obligation by paying the balance of the escrow account and the waiver fee. The lenders internal processing delays should not result in a financial burden on the consumer or a threat to my credit standing. 

I request that the lender immediately update my account to " Escrow Waived '' status, remove all escrow charges from my current and future statements, and issue a corrected billing statement for Principal and Interest only. 

Although this dispute has remained unresolved for over 2 months, I have paid last month and the current months statement in full ( XXXX XXXX XXXX  plus the disputed escrow ) solely to prevent derogatory credit reporting. I demand an immediate refund of this escrow overage. Given that PNC Bank has already accepted my waiver fee, I am now being billed for a service I have contractually opted out of. I request that my account be corrected immediately and that any late fees or negative credit reporting related to this servicing error be waived until the bank honors its commitment to update my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
I had an injury, went to XXXX XXXX to get treatment. When my information was requested I specifically said I am unemployed so I won't be able to pay bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint regarding a collection account reported by Equifax for XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/year>, with a balance of {$8600.00}. 

I previously sent Equifax a formal deletion request via certified mail, demanding immediate removal of this account because it is inaccurate, incomplete, and unverified. Specific issues include : Missing and inconsistent XXXX payment history, making the account misleading. 
Unverified delinquencies Equifax has not provided documentation supporting the reported late payments. 
Incorrect balance and status the account shows unpaid amounts that can not be substantiated. 
Unauthorized reporting I never gave consent for this account to be opened or reported. 
Ownership / creditor confusion the account inconsistently lists XXXX XXXX  XXXX. XXXX XXXX XXXX. 

Despite my deletion request, the account remains on my Equifax credit report, and Equifax has not provided any method of verification or supporting documentation. 

I am requesting that Equifax delete this account immediately from my credit report and provide written confirmation once deletion is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2026, I verbally agreed with a cab driver to pay {$40.00} for a ride from the cruise terminal in XXXX XXXX, XXXX to the Airport ( PTY ). When we arrived at the airport, the driver said he could not print a receipt and let me take a photo of the {$40.00} charge he had entered into his credit card reader. I included this photo in the dispute I sent to Capital One XXXX. 

When we were in the airport, I received a text from Capital One XXXX that a charge for {$480.00} was just made on my credit card and asked if it was a legitimate charge. I texted back and told them it was not a legitimate charge. I immediately followed up with a phone call to Capital One. They told me the {$480.00} charge was rejected, but that they had already processed a charge for {$400.00} to the same company ( XXXX  * XXXX XXXX ) and that I would need to file a dispute to have this charge removed from my account. 

I filed the dispute as requested the next day on XX/XX/XXXX. On XX/XX/XXXX, Capital One sent me an email saying that my dispute was denied and that the dispute had been cancelled. I immediately called Capital One and they told me there was nothing they could do since I did not have a receipt. 

I believe Capital One XXXX policies state that the merchant, not the cardholder, must provide proof of authorization for the charged amount. It also does not make sense that Capital One would question and deny the {$480.00} charge and not the {$400.00} charge. I did not authorize either the {$480.00} or the {$400.00} charge and did not sign anything with the driver/merchant saying that I did. 

I also believe the photo I provided of the driver 's credit card machine entry should be considered the receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
In XX/XX/XXXX fraudulent charges were made to my account using a credit card that I had not received yet. The XXXX address for the charges was from XXXX. I had paid several bills from the balance I had in my account before these fraudulent charges were made and incurred penalties for returned payments. Chime took XXXX months to confirm the charges were fraudulent and return the funds. 
Today I received multiple emails from Chime saying that they closed my account, XXXX day before my scheduled direct deposit that they were aware of. The first person I spoke to when I called said that it would take 30 days to get my refund check for the balance I have in my account. The supervisor told me it will take 14 days to process the check to return MY MONEY and I had to ask multiple times to confirm my balance before she would look it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
I am submitting a formal complaint regarding Aldous and Associates ' failure to validate an alleged debt. 

I formally disputed this debt in writing and requested full validation, including an itemized statement of charges. Aldous and Associates did not provide validation. Instead, they only sent a copy of a contract, which does not constitute debt verification under the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, the collection agency provided inconsistent information regarding the origin date of the alleged debt, first stating it was from XX/XX/year> and later claiming it originated in XX/XX/year>. No Itemized charges, billing history, or explanation of the alleged balance has been provided. 

Despite my written dispute, the agency has failed to properly validate the debt and has attempted to shift the burden back onto me by instructing me to submit another request. 

I am requesting that this matter be reviewed for potential violations of the FDCPA, including failure to validate a disputed debt and misrepresentation of the alleged obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I applied for XXXX ' credit card. I received the credit card but I never activated and used it at any where at all. After months I was receiving calls about my balance. When I checked the balance, it showed me almost {$200.00} balance. I reported this as unauthorized transactions. After the dispute, they adjusted the amount but kept a balance of {$11.00} for paper statements. 

I was never informed about a paper statement fee, any other options to avoid paper statement, or anything else while applied for credit card. They have misrepresented their service, their customer care keep rejecting my dispute request, and this situation has affected my credit score.

Company response to consumer: Closed with monetary relief