vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am filing a complaint regarding Synchrony Bank failing to properly close my credit card account and incorrectly charging me after I was told the account was closed. I contacted Synchrony Bank by phone to close my credit card account. During that call, which I was told was recorded, the representative confirmed that my account would be closed and that I had a XXXX balance and owed nothing further. I later called again and was again assured that the account had been closed and that there was no remaining balance. Despite these assurances, Synchrony Bank did not close the account as promised. The account remained open and additional charges were later applied. I was never informed that the account had not been closed, and I relied on the banks confirmation that everything had been handled. Because the bank failed to properly process my request and provided incorrect information about my balance and account status, I believe these charges are invalid.

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 2026-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
In conjunction with my last complaint with CFPB against Amerihome : I called them again to see if I can get the documents notarized online stating that I have already had to take time off of work twice ( at a job that is less than 6 months old ) to go to a notary and have the documents notarized. They declined to allow me to have them notarized online. I asked if we could have them send a mobile notary ( especially considering the paperwork they sent the 2nd time was apparently the incorrect paperwork making it their mistake ) and it was declined due to " scheduling issues '' and I noted that my own " scheduling issues '' mean I myself will need at least a week to get out to a notary and was still declined. The facts as they are : 1. Amerihome offered me a mortgage modification after I was unemployed for over a year and unable to pay. 2. I made the required 3 payments of {$1400.00} in a timely manner. 3. I was sent paperwork that not only increased my regular payment by at least {$200.00}, also increased my interest rate. I was required to get that paperwork notarized and I did so ( by taking time off work ) and sent it back in the provided overnight envelope. 4. The notary made an error on the paperwork so I was sent a 2nd set of paperwork to again take time off of work to obtain a notary. I did so and sent it back in the provided overnight envelope on XX/XX/year>. 5. I received a phone call from Amerihome ( XX/XX/year>XXXX ) asking if I've received the paperwork and sent it back. I confirmed that I did indeed send it back on XX/XX/year>. Now, I'm scared about foreclosure and start crying. The representative places me on a long hold while looking into it - eventually she hangs up on me. 6. I call back and speak with a different representative who starts looking into why they haven't received the paperwork. He comes back from the hold to say, " Great news! We sent you the wrong paperwork. '' I have the call recorded if you don't believe me. As I'm on the phone with him, XXXX delivers me a 3rd set of paperwork ( it's also in the phone call ). I told him it's not " great news '' because now, for a third time, I must take time off of work ( and HOPE to not be fired and AGAIN unable to make my mortgage payments ). 7. I call again and ask, since it's their fault this time if I can not put my job and their mortgage payment on the line and have my documents notarized online. Was told no, asked to escalate, it was declined. Ask if they will send me a mobile notary, was told no, asked to escalate. Was told the escalation will call me back. None of this, to me, seems like anything but wrapping me up in bureaucratic tape to move me closer to foreclosure. I can't see it any other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: CL Holdings LLC
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 my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
on XX/XX/year>XXXX a text message was sent to my phone. " TSI, a debt collector, will send updates RE : XXXX XXXX # ofMsgsVaries Msg & DataRatesMayApply XXXX XXXX XXXX XXXXXXXX Text STOP to opt out ''. I called them back at XXXX and asked for verification of the debt via letter and description of the debt. I also asked to have my name removed from their listing about this and they agreed over the phone call. I have not received a letter of verification as of the time of filing this complaint. on XX/XX/year>XXXX another message was sent to my phone " Pay your XXXX XXXX acct XXXX of XXXX at XXXX. TSI a debt collector. XXXX XXXX XXXX : XXXX Text STOP to opt out. '' I called XXXX XXXX at XXXX and asked for verification of this debt with my name, the information given with the acct number and even my SSN. The person on the phone stated that no account with any of that information could be linked to me. Also, I have no derogatory remarks on my credit regarding XXXX XXXX or their affiliates. I called TSI back at XXXX and spoke with XXXX ( no last name given ). I gave enough information to verify my identity but would not give them an email address. I did ask for a letter of verification again but due to the silence on the end of the line, I do not believe that part was heard. The call was disconnected shortly thereafter. I tried calling back to reconnect but was told that " XXXX '' was busy and would call me back after getting off a call with another customer. I waited another 30 minutes and called that number again and spoke with " XXXX '' and mentioned to him that I was speaking with " XXXX '' and asked if I would like to wait or to have him help me. I chose the latter. Again, I gave enough information to verify my identity short of my email and he said the in order to verify my identity through their system, I would need to put a card on file so they could process a {$1.00} fee to XXXX XXXX. I told this person that I would not do that, that I would need a letter of verification sent to my address with all applicable information about this debt. His reply was that he could not send it to my address, which I provided twice, unless I was to put my card on file and pay the processing fee. I asked to speak to a supervisor regarding this and his response was " all my supervisors are busy and will be glad to take your call at the number provided. '' I made all conscious efforts to be reasonable about this as this is not a debt that I have accrued and I verified through all available sources that this debt does not involve me or anyone associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: MARINER FINANCE, LLC
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 my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has negatively affected both my credit profile and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. However, that assurance has not been fulfilled, as the inquiries still remain on my credit report. This lack of corrective action is unacceptable. The continued presence of these unauthorized and potentially fraudulent inquiries raises serious concerns, including the possibility of identity theft. Their ongoing reporting is causing both financial harm and unnecessary distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Sent letters to orignal company ( Bank of America ), XXXX XXXX, XXXX and XXXX XXXX XXXX attempting to verify debt on XX/XX/year> XXXX ( tracking # ) asking for verification in writing from all three, none responded after 30 days or to this date. The credit agencies reported that they verified as correct after investigation, I was never notified by any of them a clear legal violation. I am judgement proof under Ohio and Federal SSI, Homestead and asset rulings and uncollectable. I am now asking for account removal and possible litigation for damages to my credit and non-compliance with XXXX statues. They are taking advantage of a XXXX Citizen they presume will not fight back.

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 2026-03-12 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I first noticed fraudulent charges of {$1100.00} on my credit card in XXXX. I immediately raised a dispute on phone with lender ( Comenity Bank ) and they provided a provisional credit for these fraudulent charges. but, In XXXX, the charges appeared again on my credit account. I submitted another request with lender but nothing happend. Then, in XXXX I filed a FTC report and send a formal dispute letter to lender requesting teh investigation details and documents. The lender replied that the investigation is closed from their end and they found no evidence of fraud. They didn't provide any details, evidence or documents. Following this, I sent a second notice to lender via certified mail in XXXX, again requesting for the investigation records under according to 12 C.F.R. 1005.11 ( d ) ( 2 ). I demanded to be provided with the records in next 5 days. This letter was received by lender on XX/XX/year>XXXX but there has been no replies/ communication from lender since then. In the meanwhile, lender has reported the delinquency status to the credit bureaus. I don't understand how lender can ignore the request for documents which they are legally obliged to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJU/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I disputed three unauthorized debit card transactions involving XXXX XXXX payments sent to an individual named XXXX XXXX. Transactions : XX/XX/year>XXXX {$17.00} XX/XX/year>XXXX {$81.00} XX/XX/year>XXXX {$40.00} The financial institution ( Current ) denied the dispute claiming the transactions were authorized. However, they have not provided any evidence supporting that conclusion. Under the Electronic Fund Transfer Act ( Regulation E ), unauthorized electronic fund transfers must be reimbursed unless the institution can demonstrate that the consumer authorized the transfer. I did not authorize these transactions and did not knowingly send funds to this person. The banks response appears to rely solely on merchant confirmation rather than a proper investigation that includes device logs, authentication records, or other proof that I initiated the transfers. I am requesting that the CFPB require the bank to : Provide documentation supporting their conclusion Conduct a proper investigation under Regulation E Reimburse the unauthorized transactions if authorization can not be proven The institution has refused to provide documentation from their investigation. I am requesting regulatory assistance to ensure the institution complies with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Date : XX/XX/year>XXXX Time : XXXXXXXX XXXX Place : XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX I attempt to withdraw {$300.00} from my XXXX XXXX XXXX ( Branch Bank ) and the ATM gave me a receipt, but never dispensed the cash. Yet, the above amount was deducted from my XXXX XXXX. I contacted Branch through the phone app and filed a dispute, which they denied almost immediately, claiming they are not responsible for ATM malfunctions. I called the ATM company, XXXX, and they asked for the transaction information : date, time and Terminal number which I gave and they said to contact my bank. I have yet to hear from XXXX. When I did contact my bank by phone they restated that they are not only not responsible for atm malfunctions but that they will not contact, or be contacted by the atm manufacturer or company who own the machine, and they will not help me with this issue. I read online that so called " phantom withdrawals '' happen and that your financial institution ( in my case branch ) should work on your behalf in resolving such an issue!

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
Validation of Debt Request - RADIUS GLOBAL SOLUTIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
A debt collector, Credit Collection Services ( CCS ), is attempting to collect an alleged debt originally owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account appears on my credit reports with conflicting balances : {$630.00} on XXXX and {$580.00} on XXXX a {$53.00} discrepancy representing a 9 % variance between two simultaneous reports from the same furnisher. Both figures can not be accurate, and at least one bureau is receiving false data in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ). I sent a formal written debt validation and dispute letter to Credit Collection Services via certified mail ( tracking number XXXX ), exercising my rights under the FDCPA ( 15 U.S.C. 1692g ). My letter was returned to sender, meaning Credit Collection Services does not maintain a valid, deliverable mailing address ( XXXX XXXX XXXX XXXX, MA XXXX ) for receiving consumer correspondence. Despite never validating the debt, Credit Collection Services has continued to report this unverified collection account on my credit report. I also submitted a dispute directly to XXXX informing them that CCS refused my validation letter due to an undeliverable address. Under 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activity including credit reporting until the debt is properly validated. CCS has failed to do so.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am formally escalating this complaint because Affirms response does not satisfy the investigation requirements under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). Affirms response relies only on copies of loan agreements and generic statements regarding delinquency. These documents do not verify the accuracy of the information being furnished to the credit reporting agencies. My dispute concerns the accuracy and verification of the credit reporting associated with the following loans : XXXX XXXX XXXX XXXX XXXX Affirm has failed to provide the documentation required to verify the information it is furnishing to the credit bureaus. Specifically, Affirm has not provided : The Date of First Delinquency being reported to the credit bureaus The full payment history used to determine the delinquency and charge-off The XXXX reporting data transmitted to the credit reporting agencies Documentation showing how the charged-off balance was calculated Documentation establishing Affirm as the legal furnisher if the originating creditor is XXXX XXXX Providing a loan agreement or Truth in Lending disclosure does not verify the accuracy of the credit reporting under the Fair Credit Reporting Act. These documents only demonstrate that a contract may have existed, not that the reported delinquency, balances, or charge-off status are accurate. Furthermore, if XXXX XXXX is the originating creditor, Affirm must explain its legal authority to furnish this information to the credit bureaus and provide the servicing or assignment documentation that grants Affirm that authority. Because Affirm has failed to demonstrate that a reasonable investigation was conducted or that the reported information is accurate and verifiable, I request that the CFPB require the deletion of these tradelines from all consumer reporting agencies. Continued reporting without proper verification constitutes the furnishing of unverified and potentially inaccurate information under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Validation of Debt Request - PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding a company named January that is reporting a debt on my credit report. I do not recall having any account or agreement with this company, and I have not received proper validation of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt being reported or collected. At this time, the company has failed to provide sufficient documentation proving that this debt is valid and that I am legally responsible for it. I am requesting that January provide full debt validation, including : The original creditors name and account information A copy of the original contract or agreement bearing my signature A complete payment history and itemized balance Documentation showing that January has the legal right to collect this debt Proof that the debt is accurate and belongs to me Until proper validation is provided, this account should not be reported on my credit report or used in any collection efforts. If January can not provide proper documentation verifying the debt, I request that the account be immediately removed from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation