vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate information related to a collection and Charge-off on my credit report. I am requesting an investigation into the following accounts pursuant to the Fair Credit Reporting Act ( FRA ). Please investigate the following accounts : SEQUIUM ( Account # XXXX ) : The details of this collection and charge-off are inaccurate. Please verify all aspects of this account with the original creditor, if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature The information is inaccurate and unfairly harms my creditworthiness. Please conduct a reasonable investigation and correct or delete these items as required by law. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
They closed my account with XXXX dollars in it and sent a check I never received. I'm trying to get a replacement check

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Billing disputes/ Dispute resolution I filed a chargeback dispute with Synchrony Bank regarding Order # XXXX with XXXX XXXX XXXX totaling {$12000.00}. My dispute involved XXXX separate claims : ( XXXX ) services not rendered I paid {$1500.00} for white-glove delivery and assembly service that was not performed, as both myself and my partner were coerced by the delivery team into physically performing the labor ourselves under threat of delivery termination ; and ( XXXX ) item not as described / false advertising the merchant 's own product listing states 'Compatible with electric bases ' and the sales representative confirmed compatibility in writing via text message prior to purchase, however the bed is not compatible with my electric adjustable base. Synchrony denied my initial claim stating they could not use text messages as a determining factor. However my evidence includes photographs showing myself and my partner physically performing the delivery labor, a signed witness statement, the merchant 's own published product listing confirming compatibility, a video demonstrating the incompatibility, and timestamped records of unanswered store contact attempts made during the delivery. Synchrony dismissed the claim without properly evaluating the photographic and video evidence, and allowed the merchant to represent XXXX distinct claims as a single issue. I have reopened the dispute and submitted a full evidence package. I am filing this complaint because Synchrony 's initial handling was improper photographic evidence of services not rendered was not evaluated, and the XXXX claims were not assessed independently as required. The transaction is governed by the New Jersey XXXX XXXX XXXX, XXXX. XXXX et seq., as delivery occurred at my New Jersey XXXX XXXX I have also filed a formal written notice with the merchant and complaints with the NJ XXXX XXXX Consumer Affairs.

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 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/XXXX I was sued for the amount of {$7400.00} by XXXX XXXX XXXX to Discover bank for a credit card account with Discover bank that should have been considered closed and settled for less than full amount. I have attached email correspondence from Discover bank offering debt settlement dated XX/XX/XXXX along with a confirmation email from the Discover card representative dated XX/XX/XXXX confirming the total settlement agreement amount of {$2800.00} and my authorization of XXXX payments to be deducted from my bank account starting XX/XX/XXXX thru XX/XX/XXXX. The account with Discover bank was to be listed as closed settled for less than full amount after the final payment was satisfied. I have attached a copy of my bank statements showing that every payment on the confirmation email from Discover bank was paid on time for each month listed and the total amount of {$2800.00} was paid in full. I have also attached a copy of a credit card statement from Discover bank showing the charge off amount of {$10000.00} on XX/XX/XXXX. This confirms that the aforementioned payments from XX/XX/XXXX thru XX/XX/XXXX were debt settlement payments. Missouri law prohibits any discussion oral or written pertaining to settlements so unfortunately I was not able to present this information in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute Account Validation Request To Whom It May Concern, I am writing to formally dispute the accuracy of an account reported on my credit report. Creditor : Caine & Weiner Original Creditor : XXXX Account Balance : {$1100.00} I do not recognize this debt and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Please provide : - Documentation proving I am legally obligated for this debt - A copy of the original signed agreement - A complete payment history - Proof your agency is authorized to collect on this account If you are unable to provide this information, I request that this account be removed from my credit report immediately. Additionally, please note that until this debt is validated, it should not be reported as accurate to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
The first institution Nelnet that my student loan was through had a data beach before it was sent to XXXX I asked what was leaked out in the data beach before I continued to pay a they ignores me. Next thing I know they sold my loan and out in XXXX XXXX and XX/XX/XXXX days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: Portfolio Recovery Associates, LLC
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 Please tell me how they validate this account to be open and late 90 days XXXX times. Payment status shows 120 days late Account number is different XXXX Shows XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX show XXXXXXXX XXXX XXXX XXXX XXXX XXXX shows an open account XXXX and XXXX XXXX show account as a collection Date opened is also different XXXX and XXXX Show XX/XX/XXXX XXXX XXXX Show XX/XX/XXXX Last day reported is different in all 3 credit bureaus XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and request assistance regarding ongoing identity theft that I have been experiencing since XX/XX/XXXX. In XX/XX/XXXX, my New York State learner permit and other personal documents were stolen from my mailbox at my local XXXX post office. For nearly two months, I did not receive any mail. After repeated attempts to resolve the issue, the United States Post Office informed me in writing that the mailbox had been vandalized. Since that time, an unknown individual has been using my stolen identity to commit financial fraud. This person has opened multiple bank accounts and applied for credit cards in my name. More recently, they contacted the post office and placed a hold on my mail, which has prevented me from receiving important correspondence. On XX/XX/XXXX, the fraudulent individual went to my mobile carrier store and used my identification to obtain a replacement SIM card. As a result, my phone service was suspended for approximately 20 minutes. On the same day, they accessed my XXXX account and removed the credit freeze without my authorization. Between XX/XX/XXXX and XX/XX/XXXX, there were five unauthorized transactions totaling approximately {$13000.00} from my Citizens Bank account using my identity. On XX/XX/XXXX, the individual opened a XXXX XXXX account in my name and attempted to access online banking, even though I had closed my XXXX XXXX account nearly 10 years ago. I have placed freezes on all three major credit bureaus. However, despite this, the fraudulent individual was still able to apply for a XXXX XXXX XXXX and open a XXXX XXXX account. I do not understand how these approvals were possible, especially after my credit was unfrozen without my consent. This situation has caused me significant financial and emotional distress. I respectfully request that the CFPB investigate : How my XXXX credit freeze was removed without my authorization. How financial institutions approved accounts and credit under my name despite fraud alerts and prior account closures. The failure of fraud prevention systems at the involved institutions. Assistance in resolving these fraudulent accounts and preventing further misuse of my identity. I have reported this matter to my local police and can provide supporting documentation, including the police report and correspondence from the post office. Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My vehicle was involved in an accident on XX/XX/year>. Shortly after, it was declared a total loss. I immediately notified my insurance company ( XXXX ), Ally Financial, and the XXXX XXXX. XXXX initially issued an incorrect settlement due to a title history error, which I disputed. After my dispute, XXXX corrected the valuation and issued an additional insurance payment. The following payments were issued : {$8700.00} ( initial insurance payment applied ) {$3400.00} ( additional insurance payment NOT applied ) {$940.00} ( GAP payment applied ) {$3000.00} ( Vehicle Service Contract cancellation applied ) The issue is that Ally Financial has failed to apply the {$3400.00} insurance payment to my account. As a result : My account balance is incorrect and currently shows approximately {$11000.00} My balance is inflated due to the missing payment I continue to be charged monthly payments ( {$700.00} ) even after the vehicle was declared a total loss Interest and finance charges continue to accrue improperly I made a payment of {$510.00} due to incorrect billing I have contacted Ally Financial multiple times by phone and through their messaging system. I have also confirmed with XXXX that all payments were sent. However, Ally Financial continues to state that the issue is under investigation without resolving it. I am being sent between departments without a resolution, and my account continues to reflect incorrect information.

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 2026-03-22 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: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/XXXX, " XX/XX/XXXX '' sent a person to fix our inoperable garage door. I agreed to an {$1100.00} price and signed when I thought the repair work had been completed. I did not notice that the technician had not connected the garage door to the garage door opener. When he connected the opener, the garage door remained inoperable. The technician tried to convince me that the garage door opener was at fault and tried to talk me into a new opener. I refused and told him to adjust the door so that I could open the door manually. For over anXX/XX/XXXX or more, I kept checking on his work and he kept calling people and telling me " not to touch the door ''. Eventually he packed out his tools, left through the house, and said he had to go to his pickup and not to touch the door. I assumed he would return with a tool. Instead, he left. When I went into the garage, I found the garage door jammed. I placed numerous calls toXX/XX/XXXXduring which they said someone would come out the same day but they never did, When I told them I wasn't paying them, the quite quickly and bluntly stated that the charge was nonrefundable and they had my money regardless of what I did. I contacted Discover and on XX/XX/XXXX, Discover initiated their Dispute Resolution. Discover notified me that the merchant submitted documentation on XX/XX/XXXX. On XX/XX/XXXX I mailed Discover a detailed accounting of the events of XX/XX/XXXX. XXXX, Discover stated they had sided with the merchant. Did Discover even receive my letter before the resolved the dispute in favor of the merchant? Only XXXX calendar days had elapsed. Over the period from XX/XX/XXXX and XX/XX/XXXX I submitted XXXX letters with additional documentation, and Discover dismissed them all. Finally, on XX/XX/XXXX, I called Discover Customer Service and requested Discover state the basis on which they rejected my dispute. Discover answered that they sided with the merchant because the charge was " nonrefundable ''. It didn't matter that the merchant didn't perform the service described within the charge or the fact that their technician fled the scene without telling me the status of door, or that I quite quickly notified the merchant that they left without notice. Discover appeared to be satisfied that if the merchant claimed that their charge was nonrefundable, it must be so. Since when is a charge " nonrefundable '' if the work isn't performed?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
I am a co-borrower on a mortgage for my primary residence. I have made numerous attempts to contact the servicer via phone and email to initiate a legal loan assumption and resolve aXX/XX/XXXXXX/XX/XXXX default, but I have been repeatedly ignored or shuffled between departments with no resolution. Due to unforeseen legal hardships involving another co-borrower and a family dispute, the account fell behind. However, as the CEO of a thriving commercial maintenance company, I have the full financial capacity to assume the loan and bring it current. There is also a vacant unit on the property that would generate significant rental income to cover the mortgage, but a legal transfer ( assumption ) is required to unlock this income and remove a non-paying co-borrower. Despite my clear path to stabilizing the loan and my status as an existing co-borrower, the servicer is failing to provide the necessary application package or a dedicated point of contact. Instead, they appear to be moving toward foreclosure. This lack of communication is causing ongoing damage to my credit and preventing a refinance that would resolve the debt in full. Actions taken by me : Contacted Customer Service multiple times with no result. Sent formal written requests for Loss Mitigation and Loan Assumption via email to the dedicated departments. Provided proof of intent to pay and documentation of the property 's increased value and my business income. What I want the company to do : I want the servicer to immediately stop any foreclosure activities and provide a dedicated Loss Mitigation specialist to facilitate the Loan Assumption or an internal refinance into my name only. I am requesting the full application package and a clear list of requirements to bring the account current as part of this transfer.

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 2026-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
XXXX XXXX Sold my mortgage to Carrington Mortgage on XXXX XXXX. In XXXX ofXX/XX/XXXXthey stopped my Social Security for XXXX to XXXX I could not pay my mortgage.On XXXX XXXX I sent in a payment A check. XXXX IN XX/XX/XXXX I send in a payment XXXX I in XX/XX/XXXX I sent in a paymentXXXX. they sent it back. In XX/XX/XXXX I sent in a payment XXXX in XXXX they want to put me in a payment plan for XXXX for XX/XX/XXXX months that is XXXX I don't owe that much. I told them I can't afford XXXX. In XXXX they sent in a payment XXXX they said they are going to sent it back they did not. In XX/XX/XXXX I sent in a payment XXXX and they send it back. So when got it back in my account I sent it right back and they send it back to me. So I put it in my savings account. I got an email from they stating that is all they can do for me and they I have to find a way to get they money up. Now on XX/XX/XXXX I am gon na send them the money they sent back to me and Also XXXX which will be XXXXI repeatedly though email and phone messages that I can not afford XXXX for XX/XX/XXXX months. That is giving they extra I don't owe and can not afford. I need help please help> I told them I am trying to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX Re : Credit Report Dispute To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. This letter serves as a formal dispute under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). Pursuant to XXXX XXXX. XXXX, I am requesting a reasonable investigation of the item listed below. If this account can not be properly verified, it must be deleted from my credit file. Creditor Name : XXXX XXXX Co XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX I am formally disputing the above-referenced account. I do not recognize this account and did not authorize this entity or any third party to obtain or furnish any of my personal information in connection with this account. Please provide documentation bearing my signature that validates this account and demonstrates that you had permissible purpose and authorization to report this information. Additionally, please provide the following : The original signed agreement or contract Complete account and billing history Documentation showing how the balance of {$1700.00} was calculated Proof of permissible purpose for reporting Documentation showing the original creditor and full chain of ownership Documentation proving your legal right to collect this alleged debt If you are unable to provide this documentation, this account must be considered unverifiable and must be removed from my credit file immediately in accordance with XXXX XXXX. XXXX. Furthermore, under XXXX XXXX. XXXX ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy. Any failure to do so constitutes a violation of federal law. Please complete your investigation within XXXX days and provide me with an updated copy of my credit report reflecting any changes. I have enclosed copies of my identification and proof of address to assist with your investigation. Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of 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 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: ID

Complaint narrative:
When I request statements there are different every time. There are tones of transfers from credit account thats was unauthorized and funds not credit. I have never recived any of my round ups since 2022. Debit cards and credit builder cards issued to people other than me. Duplicating charges that show up on feature statements for same price different date. When I reported unrecognized charges they are quickly denied even when the purchase wasnt in home state are denied. XXXX XXXX is supposed to pay my credit builder balance every month. Chime says I spend close to {$300.00} every month on credit builder and greendot pays the false statement every month. No trace of any payment. Where does the funds go cause I dont have a credit builder cards issued in my possession. I paid {$420.00} on my credit builder on XX/XX/XXXX and got {$8.00} credit because they use false statements to collect the automatic green dot payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: LA

Complaint narrative:
I have submitted a loan for this loan due to the fact that I was given a false guaranteed of employment. This has been in investigation since XXXX.

Company response to consumer: Closed with explanation