vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: TN

Complaint narrative:
My Fiance and I rented a house from XXXX XXXX for 3 years and 11 months. We left the residence in XXXX of 2024. We were on a month to month lease when we left the residence to move into our RV. I have been recently getting calls from Synergetic Communications. I checked all three credit reports and Synergetic Communications was on my XXXX XXXX Credit Report for {$21000.00}. I called Synergetic Communications and they said the Debt was from a XXXX XXXX XXXX and attempted to collect the debt at this time. I said the debt was not ours and we would not be paying. 
The Rental address is XXXX XXXX XXXX. XXXX TN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hauge Associates, Inc.
State: IL

Complaint narrative:
HAUGE ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research HAUGE ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is 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 2025-12-30 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: TN

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is 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 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Zip Co US Inc.
State: FL

Complaint narrative:
Hello. I did not want to make this complaint, but when you see the screenshots, what Ive dealt with ZIP you will see I was practically forced to. With how horrible ZIP support has gotten and how Ive been given the same sentiment over and over again with no action. On XX/XX/year> I made transaction XXXX. Later I never received the item I was supposed to, and I was trying to contact the merchant days on end so naturally I supplied the information to ZIP expecting them to help me as Ive lost money. However all thats been done is me going back and forth with them, an agent saying theyve escalated it, no response from ZIP and repeat. Ive had an agent pause the payments and told me there were no late fees on their side and I wouldnt be affected but theyre clearly on my app and its been affected, if Ive gotten a email my power purchase has decreased by XXXX. When I showed these concerns and screenshots to an agent today. They did not address them. Not even one screenshot. Just the same words and that theyre escalating it to the internal department. I have no reason to believe this is actually being done and arent just words theyre saying to me. Ive had explain my situation to them multiple times despite it being apparently escalated. Why should I at this point? I see nothing being done and ever since the update, ZIP support has gotten worse than before. It is hard to reach anyone and once you do, it is even harder for them to stay, even if someone joins itll still say waiting for a team mate meaning they can exit out on me at any time. If I get a agent to talk to me they just repeat the same exact empty promises. At this point I want the response I should have gotten a long time ago, and my money rightfully back. I have given all needed information. It is on ZIP to fix this. I have done everything and if you see this as a concern with the extensive screenshots I should not been made wait any long for all of this to be fixed including refunding me my money, and no late fees having been added, and my purchase power back, without a decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I was on a payment plan with the mortgage company in XXXX XXXX. My job messed up my pay and it was voided. I contacted the mortgage company and spoke to them about it. The woman said do you know when you will get paid or will they reissue you another check. I told her im not sure. She asked if I could send the voided check and I did. When I got paid I paid the amount that was due on the payment plan for each month. I called to make a payment for the month of XX/XX/year> at XXXX and the very rude representative said the account was deliquent for XXXX  months since XXXX. he said I wasn't paying and I told him I was paying the amount. I pulled up my statements and even payments for the company and it stated I paid each month and it was even automatic payments. I wanted to make a payment and he said the minimum payment needed was $ XXXX and I told him I didn't have it. I then stated so you are not going to take a payment that someone is willing to pay just to keep them in debt or maybe begin foreclosure. I have never heard of such and he also stated they sent out a demand letter and It would be XXXX  months I would have to pay since they would not take the original payment of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CA

Complaint narrative:
I submitted an application for IBR and Mohela said they would put me on a processing forbearance. It then should have transitioned to an administrative forbearance while they are working on my application since XXXX. They have not done this- I called in XXXX, XXXX and XXXX multiple times and they have said they have " escalated '' it but I'm about to have a second payment that is past due on the account, except it isn't past due. They still have not processed this forbearance and if I don't pay this amount that is not actually due, it will go onto my credit bureau. This happened in XXXX of 2024 and I am still waiting for the refund to be processed from that payment that shouldn't have been paid. I now need to pay something I can't afford that isn't actually due or correct or be sent to the credit bureau which will be even more of a mess.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have held my account and card for 26 years without any problems, but now Im being warned that if I dont submit information that they already possess and that I have provided multiple times, they will freeze my card. I require guidance from the department head, detailing step by step what they need. Every time I share the information, I am assured that everything is fine, but then after 30 days, they request the same information again and issue another threat.

I suspect that this situation may be linked to religious discrimination, as I havent encountered any issues for 26 years until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I checked my credit file and noticed that there was a collection account on my credit file from Eastern Account Systems account number XXXX ( original creditor XXXX ) for {$460.00}. I am fully aware that this company is illegally collecting on a debt in the State of Illinois Unauthorized and under state statue law The alleged debt is not legally collectible in the State of Illinois and the communications constitute harassment, false representation, or unfair practices under the FDCPA. I also was notified that this debit collector Eastern Account System that this debit was recalled by the original creditor ( XXXX ) but is still listed on my credit file and needs to removed Immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am disputing a debit card charge for non-receipt of goods. I was charged by XXXX XXXX, but the order never processed on the merchants system. There was no order confirmation, order number, tracking information, or delivery estimate, and the order does not appear in my XXXX XXXX account. Because the order never existed, I was unable to contact the merchant. 

To receive the items, I had to place a second order, which did successfully process. I have included photos showing that second order. The original charge resulted in no goods or services. 

Chime closed my dispute stating no error occurred, relying only on the fact that the debit posted and settled. The documentation provided does not demonstrate merchant fulfillment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase responded to my CFPB complaint by stating they still needed estate documents. However, I had already sent the complete estate packet by certified mail, and Chase received it on XX/XX/year> ( confirmed by XXXX tracking ). Their CFPB response did not acknowledge the documents they already had in their possession. I am simply asking Chase to process the estate request and close the decedents account using the documents they received on XX/XX/year>. No additional documents are outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute an inaccurate and unjust debt that Bank of America is attempting to collect and report in my name. I had a credit line of XXXX $ that I had been struggling to pay off for years and when I qualified and received funding from an organization known and the XXXX XXXX XXXX ( XXXX ) which helps with people struggling with housing or debt I asked my case XXXX XXXX to pay off the balance of {$2500.00} which was successfully done on XX/XX/year>. After the balance was paid, Bank of America ( BOA ) staff members at the location in XXXX XXXX XXXX  told me that after the payment was received that my account would be closed and I would no longer owe a balance on the account. 6 months later, Bank of America sent me a letter saying I had an outstanding balance of {$380.00}. According to them they said it was caused from a remaining balance that they charged after the card was paid off in full and the account was closed. It started as a false remaining balance of {$100.00} which after months of bogus interest & fees accumulated into a balance of {$380.00} which should never have occurred due to the agreement that the account was paid off in full and closed. I never received phone calls, emails or mailed letters regarding this issue from Bank of America and I didnt even know until I walked into a BOA location and was notified by BOA staff member, which they also threatened that if I did not make the payment by next month that they would send me to collections. When I asked a financial expert what I should do he recommended I pay the balance with a money order so that it doesnt go to collections because once it does BOA isnt liable for debt anymore, and to note on the money order that I am NOT admitting to the debt, and once that was done to file a complaint with the CFPB. He also recommended I get any evidence or paperwork to submit on this complaint which I have done to the best of my ability. I am attaching the following documents ; XXXX : ) XXXX XXXX XXXX XXXX XXXX who originally paid off the balance {$2500.00} contact info. XXXX : ) Document showing XXXX $ paid off with the false, alleged and bogus remaining balance of {$100.00}. 3 : ) Illegitimate balance of {$380.00} I was accused of owing that was paid with a money order.

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 2025-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: CA

Complaint narrative:
I am submitting this complaint regarding Premier Acceptance for repeated and unwanted contact related to an alleged auto-related debt. 

In XX/XX/year>, my vehicle was involved in an accident in XXXX XXXX, California, after another driver ran a red light and struck my car. The vehicle was totaled as a result of the collision. I had active auto insurance at the time ; however, my insurer did not resolve the claim and later dropped my policy. I also had GAP insurance and submitted a claim, but no resolution was ever provided.

As a result, I was left with an alleged balance for a vehicle that I no longer possess and that was declared a total loss. Despite these unresolved insurance and liability issues, Premier Acceptance continues to contact me regarding this matter. 

I am requesting that Premier Acceptance cease direct communication with me and that this matter be reviewed for compliance with the Fair Debt Collection Practices Act ( FDCPA ). The continued contact has caused stress and hardship, especially given that the underlying issue involves an unresolved insurance and GAP claim following a total-loss accident. 

At this time, I am not admitting liability for the alleged debt. I am requesting assistance to stop the ongoing communications and to ensure that appropriate corrective action is taken. 

Thank you for your time and assistance Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
XX/XX/25 was date I put in application for business credit card just to find out well mail u a letter no explanation of what happened so waited for mail or email letter came in showed a credit and XXXX XXXX Freeze so I unfreezed credit Bureau XXXX XXXX due to identity theft and being a XXXX for XXXX as well XXXX XXXX opt me out when speaking to American Express they are basically, trying to say that XXXXXXXX XXXX is a credit bureau and they hold a credit file or report. So to say when I've clarified in a professional manner, even though the conversation become aggressive, because he kept speaking to me like, I'm an elementary kid that had no knowledge of what I speak of which is very agitating. I am foreign him in this United States. There is 3 credit bureaus XXXX XXXX XXXX XXXX, not for not XXXX, but they're trying to play It off like clarity. And XXXX XXXX is a credit bureau to see your creditworthiness. I was opt out of these due to identity. Theft, and they kept ongoing. And going acting like, I'm stupid, don't know what I'm talking about. And saying, we have to have these to check your creditworthiness. Last time I checked your credit bureaus. Is your creditworthiness, not XXXX? Nexus and third parties And the supervisor basically was aggressive in the conversation. And then then the employees make it sound like they're there to help you. And we'll try to find an alternative way. Besides, using them just to find out, they're telling you what they think, you want to hear just to get a section of What They Want. Just to push a credit card, but no help and I did go ahead and unfreeze the credit bureau for XXXX hours. Because that is your creditworthiness, not XXXX XXXX or some third party, but they will still argue with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a complaint regarding the handling of a billing dispute on my Apple Card, issued by Goldman Sachs Bank USA. 

On XX/XX/year>, I was charged {$1700.00} by XXXX for XXXX XXXX tickets. I disputed the charge after experiencing issues related to the tickets and the merchants lack of assistance. During the dispute process, a temporary credit was issued while the investigation was ongoing. 

Despite providing the requested information and documentation, Goldman Sachs concluded the investigation by stating that no billing error occurred because the merchants terms indicate that all sales are final. The temporary credit was then reversed, and I was rebilled the full amount. 

I believe the dispute review relied solely on the merchants all sales final policy rather than a meaningful review of the circumstances and merchant conduct. Additionally, the merchant failed to respond after I provided detailed answers and documentation requested by them, which I believe should have been considered as part of the dispute review. 

I am requesting a good-faith reconsideration of this dispute, clarification of the standards used to deny the claim, and confirmation that the investigation complied with fair billing and consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I was told by Robinhood my account was restricted and then I was told it was closed. I have XXXX  dollars in the account. Ive emailed several times asking for help. Im unable to transfer or withdraw funds. I cant get help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I was contacted by XXXX XXXX about my account with Portfolio Recovery Associates. I did not know I missed a payment with them, this was my last payment for a total of 6. I agreed to pay the last payment but XXXX falsely stated that my previous payment agreement could not be uphold anymore due to missing my one payment. This did not seem correct. I mentioned to XXXX XXXX I was at work multiple times and finally agreed to pay the full amount as I was in a rush to get back to work. After leaving work and arriving home and finally in. A headspace to think properly, I called Portfolio Recovery Associates again and talked to someone else who informed me my previous payment agreement was still in grace period to be obliged again. I paid the {$61.00} to clear my account. If I did not decide to call again and speak to another debt collector, I wouldve paid the entire {$160.00}. XXXX was not helpful, lied, tried to take {$100.00} more than what was owed on the account, and was hostile towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is 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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
PORTFOLIOis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIOis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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