vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Hello, This is an old XXXX account that is beyond the seven-year reporting period allowed under the Fair Credit Reporting Act ( FCRA ). Despite this, a collection agency has opened a new collection account using inaccurate and misleading open dates in an attempt to make this obsolete debt appear current. 

I did not incur any new collections with this company in XXXX or XXXX, nor have I incurred any collections with the original creditor, XXXX. This debt is extremely old and is being improperly re-aged to falsely present it as a new obligation. Re-aging debt and reporting false dates is illegal and a direct violation of the Fair Credit Reporting Act.

These inaccurate reporting practices must be corrected immediately. The continued reporting of this account is causing significant harm to my credit profile and negatively impacts my ability to obtain essential credit for everyday needs such as housing and transportation. Immediate investigation and removal of this inaccurately reported account is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dear Synchrony Bank / Rooms to Go Credit Services, I am writing to formally dispute serious violations in the management of my account and request immediate corrective action and remedies. 

1. Unauthorized Credit Limit Reduction Without Notice Synchrony Bank reduced my account 's credit limit without providing me advance notice or explanation. I called into customer service and asked why my account was being reported to the credit bureaus. The representative mentioned that I was sent an email, but this was not the case. I then asked for what reason, especially since the account was in good standing with a balance {$610.00} remaing with a {$2900.00} avaiable credit in XXXXXX/XX/XXXX 2025, and in XX/XX/XXXX 2025, a {$27.00} available credit. As of today, XXXX XXXX 2026XX/XX/XXXX, the account is closed with no warning or explanation of the decision, which has impacted my ability to gain employment. Also, by making this decision, I've learned Synchrony Bank is a parent company of XXXX, with which I also have a dispute with this company regarding unethical and predatory lending practices and reporting the account for late payments when they have notified me that the account is closed. This action was taken without my consent and without any opportunity for me to respond or understand the reason for the reduction. Such unilateral action without notification violates fair lending practices and my consumer rights under the Truth in Lending Act ( TILA ). 

2. Improper Reporting of Late Fees to Credit Bureaus Despite my account status not being behind or delinquent, Synchrony Bank reported late fees to credit reporting agencies. This false and damaging reporting has harmed my credit score without justification. At the time of reporting, my account was current and in good standing. Reporting inaccurate delinquency information violates the Fair Credit Reporting Act ( FCRA ) and constitutes wrongful credit bureau reporting. 

3. Wrongful Account Closure Synchrony Bank closed my account despite the account not being behind or delinquent. The account closure was unjustified and appears retaliatory, particularly given the timing with the credit limit reduction and late fee reporting. Closing an account in good standing without cause or proper notice is unfair and potentially violates consumer protection regulations.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I was never contacted by the company nor did I receive a validation notice when I saw it appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXXThis account was open up my another Merchant without my consentXXXXJefferson Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
I opened up a business account with US Bank on XXXX/XXXX. It was to be a 'XXXX  ' account. The employee, XXXX XXXX opened the wrong account- 'Business Essentials '. I spoke with her about this problem and a XXXX  account was opened, and the Essentials was closed to avoid a fee. I performed all of the required activities. Funded the account with {$25000.00} and did the 5 debits. I was to receive in a timely manner about 90 days after the account opened. The promotion/bonus stated I was not to have a business account held for 1 year. I did not-until this employee mistake happened. Finally, after numerous attempts I was informed by XXXX the branch manager on XXXX/XXXX  I was not to receive the bonus because of the " second '' account.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Continuous illegal stacking of modifications since a bankruptcy  in XXXX, never was in foreclosure and continued to pay mortgage to date. Terms were untenable and egregious a mortgage that would have been paid in XXXX  now until XXXX, all while I was under duress from an illegal layoff in XXXX  and returned in XXXX. A XXXX diagnosis in XXXX  and XXXX  for approximately XXXX  years. I borrowed {$10000.00} to pay on the mortgage about XXXX 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 2026-01-29 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: NRA Group, LLC
State: TN

Complaint narrative:
keeps reselling debt and damaging my credit beyond repair. Every few months, the " debt '' is sold to another debt collection agency and I'm am continuously harassed. This debt is being illegally reaged. I need the date of first delinquency, original creditor, Proof they're allowed to collect, and Proof of accurate reporting dates. XXXX, XXXX XXXX XXXX, NTL RECOVERY AGENCY, and XXXX XXXX XXXX are the debt collectors that keep engaging in illegally re-aging debts. I need help as this has continued to damage my credit every two months and I have proof of it damaging my credit repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Recieved multiple texts for rosemont duplexes acct. Payment required with a special link. I owe nothing regarding this account. I am not even aware of what this is? XXXX & XXXX : XXXX XXXX : XXXX

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: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting a complaint regarding a denied credit card benefit on my Chase United Explorer credit card.

This card advertises a benefit of up to two {$50.00} annual statement credits for prepaid hotel reservations purchased through the XXXX XXXX website. On XX/XX/XXXX, I made a prepaid reservation through XXXX XXXX in the amount of {$47.00}. The transaction posted correctly to my Chase United Explorer card.

After waiting more than two statement cycles, no statement credit was applied. I contacted Chase customer service more than 10 times and later escalated to a supervisor, who opened an investigation. A few days later, I received a mail response from Chase stating that the transaction was not eligible because it was below the minimum spend requirement for this benefit.

However, after reviewing all published benefit terms and conditions for the C
hase United Explorer card, I can not find any disclosed minimum transaction amount required to qualify for the XXXX XXXX statement credit. The benefit terms only state that prepaid hotel reservations made through XXXX XXXX are eligible, with a maximum of two {$50.00} credits per year. No minimum spend requirement is disclosed in the benefit terms. 

I believe denying a benefit based on an undisclosed condition is misleading and inconsistent with proper disclosure requirements. I requested that Chase either apply the statement credit or provide documentation showing where this minimum spend requirement is disclosed in the official benefit terms. Chase acknowledged my message and stated a response would be provided within five business days from XX/XX/XXXX, but no response has been received until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: MN

Complaint narrative:
During my separation from my now ex-husband, he had took it upon himself to open multiple accounts, using my information and saying he had power of attorney over me, even though he did not I was not aware of this loan account being opened and I did not benefit from this account whatsoever, I did file a police report But because it was a civil matter, I had to wait until my divorce judgment the judge did put in the official decree that the debt is owed by my ex-husband and not by me. Ive tried to get this taken off myself, but with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Roadrunner Account Services, LLC
State: CA

Complaint narrative:
Several times these people have contacted my family. 

On XX/XX/XXXX they proceeded to tell my son all about my debt and the were trying to repo my recreational vehicle. They went into great detail of personal information even after my son told them he was on the national do not call list and they didn't have permission to call him. They still call. 

They also did the same thing to my daughter 2 times now. 

they have been asked several times to quit calling. They leave nasty messages on everyone of my relatives phones including my mom, dad, brother, son and 2 daughters.

When they have been asked how they got everyones numbers they say they have their ways its not their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a Macys credit card and a Macys amex credit card and I can not use either. I updated my address and tried to place an order that was cancelled twice and I was told to call Macys Consumer Protection department so I did, at least 10 times. Most of the time the XXXX  did not even know that is what their department is called and transferred me to CS. I could not understand a word they were saying, their accents were so strong and they spoke such poor XXXX, I got no where, no one knew what to do, could not understand them and basically I got no where for 2 days. I sent XXXX XXXX, Macys CEO and email, their in-house council, XXXX XXXX an email, I addressed this concern through their feedback, I sent another email to XXXX XXXX , I called the credit department and everything was a waste of time. I was put on hold and transferred so many times it's a joke, if I ever got off the hold and was not accidentally hung up on. I gave the Consumer Protection department all the information they required and the XXXX  did nothing and every time I was transferred I was told something different, in the meantime I CAN NOT USE EITHER CREDIT CARD! I asked what I needed to do to get me confirmed to use my cards and once again the XXXX  did not understand, I asked at least 6-8 times. No matter who I called, how much I asked for help, not one person or one department did anything to verify, fix or tell me what I need to do in order to use my credit cards.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 public response: Company disputes the facts presented in the complaint
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 — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, Shellpoint Mortgage Servicing ( NewRez LLC ) sent an automated notice stating that a Form 1098 for the account ending in XXXX was available online and instructing me to log in to the NewRez portal to retrieve it. On XX/XX/XXXX, I responded in writing that I was unable to access all of my loans through the online portal and that this issue had persisted for months without resolution. I explained that I had received written instructions from Shellpoint on how to add my loans online and had followed those instructions repeatedly, including trying numerous combinations of last name, SSN/TIN, and ZIP code, but access continued to fail. I stated that my account includes eight loans transferred to NewRez at different times, and that during a prior escalation the loans were manually added by NewRez and appeared correctly for several weeks before disappearing again, leaving only two loans visible. On the same date, XX/XX/XXXX, I sent separate emails addressing this same issue for each affected loan, rather than a single consolidated message, and received no response from the company. I requested escalation, restoration of full loan visibility, written confirmation once resolved, and an explanation for why manually added loans were later removed. 

The attached email history shows that this access issue was repeatedly reported to NewRez and Shellpoint throughout XXXX and XX/XX/XXXX and into XX/XX/XXXX, with no permanent resolution. On XX/XX/XXXX, a NewRez representative confirmed that my SSN had been added to the account to enable registration and consolidation of loans under a single login, consistent with prior manual fixes. Despite this, by XX/XX/XXXX, I reported that loans which had previously appeared under my account were no longer visible and that only two loans remained accessible. On XX/XX/XXXX, and again on XX/XX/XXXX and XX/XX/XXXX, I followed up stating that the instructions provided did not work, that I could not access my loans online, and that I had received no response. These emails document a recurring servicing system or account-mapping failure acknowledged by the need for manual intervention, followed by the unexplained removal of loans from the portal, preventing consistent access to loan information and tax documents.

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: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have opened a new checking account with Citibank on XX/XX/XXXX with promotion code to earn {$420.00}. This account was opened at XXXX XXXX branch in California. The banker assisted me to open this account. 
I had mentioned the banker that I was a Citibank customer before as well. The banker checked eligibility criteria for this promotion and opened the account. 

Citibank now says I am not eligible since new account should be opened after XXXX  days of closing previous account. I had closed my previous account in XX/XX/XXXX. 

The banker did not even check this particular qualification criteria and has negligently opened the checking account. Citibank is not honoring the promotion because of this. 

The banker should be aware of this qualification criteria. There is no way a customer going to a branch to open account know what are the qualification criteria beforehand unless the banker tells them. The fine print is in the document which is given to customer AFTER ( Not Before ) opening the account. What is the point of getting to know this AFTER the account has been opened?

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 — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am a consumer with a documented XXXX. I am filing this complaint against Block, Inc. ( Cash App ) for willful negligence and ADA non-compliance. 

1. The Communication Failure : On XX/XX/year>, I attempted to send a formal legal notice to Cash App 's official legal channel ( XXXX ) to request a 'Reasonable Accommodation ' for my account. The email was rejected/bounced by their server ( Proof attached ). 

2. The Violation : By failing to maintain a working channel for legal disputes, Cash App has made it impossible for XXXX consumers to request hardship accommodations. This denial of the 'Interactive Process ' is a violation of the Americans with Disabilities Act ( ADA ) and unfair/deceptive under the CFPA.

3. The Issue : Cash App continues to hold my account in a negative standing ( {$150.00} and {$61.00} ) while refusing to provide a working method for me to resolve this debt. My default was caused by a major medical crisis ( XXXX XXXX XXXX XXXX, and I require account reconstruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App has been withholding my funds for over three weeks with no resolution. I have contacted support multiple times via chat, email, and phone. My case was escalated to a manager and then to a specialist, but I have been repeatedly told to wait with no timeline.

A manager confirmed the delay and stated the case could not be expedited. It has now been over 48 hours since escalation with no movement. Cash App is holding my funds without providing a clear explanation or resolution timeline. 

Transaction ID # XXXX Cash App name XXXX XXXXXXXX

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 — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
( Account that was open up without my consent ) LVNV Funding ( {$1200.00} ) C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Account # XXXX ( Original Account ) XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX Account # XXXX

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 forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notice from U.S. Department of Education that my student loan is being discharged. 
My sutdnet loan is with Mohela, Mohela did not update its website for very long time probably close to a year. 
In XXXX of XXXX I had called Mohela to get more information about my loan discharge, however, at that time I was told they can not help me and told me it could take 90 days to get an update from the date of the letter. I uploaded the letter to Mohela customer service like the website instructed and opened a ticket with U.S. Department of Education site and have reference number. At this point Mohela updated website and showed that my loan was not due until year XXXX, at list it started showing that I wasnt failing to pay, however, Mohela would still charge interest on my loan even though Mohela was already paid by Borrowers Defence program and actually owed money to me.

After that I would constantly keep up with online forums and other posts regarding any updates, witch was very frustrating since there are a lot of people that are in similar situation like me and feel Mohela is purposely delaying payments. 
In XXXX of XXXX I created another ticket with U.S. Department of Education inquiring about any updates. 
This early this XX/XX/XXXX I decided to call them gain and it took 1 hour 40 min on hold to speak with a person, and I was told again that it will take 90 days to update their system.

Please I would greatly appreciate if I can get help addressing my issue with Mohela, receiving my refund back, which at this point is showing even on their website. 
I was never late on my payments when my payments were due, however, since roles are reversed taking over a year is ridiculous, and I wonder how would Mohela deal with me if I was late on a payment over 30 days.

Company response to consumer: Untimely response