vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Supplemental evidence for existing complaint # XXXX This is a supplemental filing for my active complaint regarding a predatory {$9100.00} charge by XXXX on my Synchrony Bank account. I am submitting newly acquired evidence : a letter written by XXXX XXXX XXXX XXXX to Synchrony Bank XXXX In this letter, the manager explicitly admits that XXXX excavation was performed at my property. Instead, he states the {$9100.00} charge was for " descaling '' and was only labeled as " excavation '' on the contract due to their internal department routing. This is a clear bait-and-switch deceptive business practice. Billing over {$9000.00} for standard descaling is a predatory, unconscionable rate that vastly exceeds fair market value. Furthermore, I already paid this merchant {$1100.00} for toilet removal and snaking ( Invoice # XXXX ). I consider the merchant paid in full for resolving the plumbing issue. The {$9100.00} charge is predatory, misrepresented, and based on a severely misdiagnosed issue that resulted in property damage. I request the CFPB review this written admission of deceptive pricing and ensure Synchrony Bank voids the fraudulent charge.

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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX someone hacked into my computer and made a purchase using my Wells Fargo credit card. I immediately received a text message on my phone saying I purchased a gift card in the amount {$230.00}. I immediately called the XXXX number on back of credit card and informed Wells Fargo of the fraud charge. They told me they would take care of charge- they also cancelled my credit card and issued me a new one. The next day they credited my account with the bogus charge of {$230.00}. At that point I thought the problem was taken care of. Then on XX/XX/XXXX I received a letter in mail saying that they re-instated the charge of {$230.00} saying that the merchant refunded the {$230.00}. Below letter is attached. Also attached is the statement of the activity pulled from Wells Fargo website. The card number that I specified on form below is the new credit card I received - I thru the old card out.

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 monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I called Indigo to make sure my account was paid in a timely manner. When I called on XX/XX/year> around XXXX, the female representative said account closed due to not recognizing my physical address. I told her I have a physical address and how can we resolve. She said it can't be resolved. I asked her to speak with supervisor. XXXX came on the phone. He said the company sent a letter to my post office box asking for my physical address and it wasn't submitted so they closed my account XX/XX/XXXX. I asked him how can we resolve because I can show proof of my physical address and told him I get mail pretty much daily at my post office box and do not understand how I didn't get that letter and asked if he would resubmit. He said no, once account is closed, it remains closed. I have had a great payment record with this company and this closure hurt my credit. I asked him to please let 's resolve and he said there is nothing he can do. I told him I was going to file a complaint. He said he was sorry because there is nothing he can do. INDIGO Mastercard would not accept anything from me and denied me the opportunity to submit the information. I am truly disappointed because I've been a loyal and great customer for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
The company stated on XX/XX/year>, that validation of the debt would be mailed to me. As of today, I have not received any documentation validating this debt. Additionally, after contacting the original provider, I was unable to confirm that this account was ever submitted to insurance. This raises concerns that the balance being reported is not accurate. Despite this, the account continues to be reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Robinhoods handling of an unauthorized electronic funds transfer and its failure to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation E ). On or about XX/XX/year>, a transaction of approximately {$1700.00} from XXXX XXXX was processed through my Robinhood Spending Account. I reported this transaction as unauthorized. Robinhood conducted an investigation and denied my claim. However, their response did not include any actual evidence demonstrating that I authorized the transaction. Instead, Robinhood relied on general statements such as : - The account had sufficient funds prior to the transaction- No declined transactions were observed - A general review of account activity These points do not establish authorization. The availability of funds or lack of declined transactions does not prove that I initiated or approved the transaction. Robinhood failed to provide : - Any authentication logs - Device or IP address data - Login history tied to the transaction - Any proof of authorization Under Regulation E, a financial institution is required to conduct a reasonable investigation and determine whether a transaction was authorized. The burden is not on the consumer to prove fraud, but on the institution to demonstrate authorization when denying a claim. Robinhoods response appears to be generic and does not reflect a meaningful or individualized investigation. Additional Concern : Robinhood informed me that I may request the documents used in their determination, but they did not provide these documents proactively. This raises further concerns about transparency and compliance with federal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
My former state where I live was New York this is a credit card that I owed money to that I fell behind on I had signed up for national debt relief company thats supposed to take and pay these credit cards and then we paid them they told me that this was paid for and were going back Five years. Not knowing that this credit card was still opened I moved to Virginia and after being here for several months as sheriff showed up at my door telling me that I owed this money and that it was in a law office and if I didnt pay that I would be directed debit out of my paycheck. Being very concerned about that I set up a payment plan with this law office and started paying XXXX a month and that was all I could afford. ive called them several times to see if theres anything else that they can help me with being that I didnt even know I had this debt and I feel like its more than I actually owe. they told me they couldnt and they gave me a one sum payment. I was only able to come up with 70 % of that settlement payment that they told me that I could pay and then it would be closed. I ended up having to take out a loan just to pay the 70 % of this credit card I would like to know how we could make this a final payment as I did pay 70 % of what I owe owed. I would like you to keep in mind at this company has threatened to garnish my salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Formal Complaint for Inaccurate Credit Reporting, Failure to Validate Debt, and Continued Collection Activity To Whom It May Concern, I am submitting this formal complaint against Central Portfolio Control , Inc. regarding their handling of an alleged debt account reported on my credit file. This complaint is being filed due to violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The account in question has been reported on my credit report without proper validation. I previously requested validation of this alleged debt, including documentation bearing my signature and proof of the original creditors authorization. To date, Central Portfolio Control has failed to provide sufficient evidence verifying that this debt is accurate and legally enforceable. Despite this, the company continues to report the account to credit bureaus, which is causing harm to my creditworthiness. Reporting unverified or inaccurate information is a direct violation of the FCRA, specifically under 15 U.S.C. 1681s-2, which requires furnishers of information to provide accurate and verifiable data. Additionally, their continued collection efforts without proper validation violate my rights under the FDCPA ( 15 U.S.C. 1692g ), which requires debt collectors to cease collection activities until verification of the debt has been provided. I am requesting the following actions be taken immediately : Conduct a full investigation into Central Portfolio Control , Inc.s reporting practices. Require the company to provide proper validation of the alleged debt. Remove the account from my credit report if they are unable to verify it. Cease all collection activity until validation is properly completed. If these issues are not resolved promptly, I am prepared to pursue further legal action to protect my rights under federal law. Please confirm receipt of this complaint and inform me of the results of your investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Spoke three times with Chase Bank XXXX XXXX Credit Card customer service regarding the promotion I signed up for, which was for {$400.00} off first flight purchase and XXXX bonus miles and that the company did not apply this to my account. XXXX was XX/XX/year>, customer service submitted a request with the card marketing team. Never heard back. XXXX was XX/XX/year>, Chase indicated this promotion wasn't available, however when escalating to a supervisor, it was found and another request was sent over. Followed up on XX/XX/year> with Chase, XXXX, at XXXX EST. Indicated that the promotion was not available when signing up, even though it was advertised on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Our credit was excellent. We were relocating and applied for a mortgage through XXXXXXXX XXXX. When XXXX received the Credit Report they said there was negative information about a late payment that was over XXXX months old for {$70.00}. They said it was Bank of America for {$70.00} and that is all they provided. I immediately contacted Bank of America and they said that they don't show any delinquent payments. I called B of A on three separate occasions, and went into the bank one time to confirm or dispute this information. Then, I ordered all three Credit Reports from the Credit Bureaus. All three had the information on their report but the reports show conflicting information. I have included photos of the reports from XXXX XXXX XXXX XXXX lists a credit card that is not ours and B of A says that card does not exist. Equifax shows yet a different credit card account. This has caused us to be denied a mortgage and a credit card. I spoke to each Credit Bureau about the issue and requested they send the report to my new address. One of the Bureaus refused and would only send the report to my old address. This is not the way to protect personnel information. All I am asking is for the fraudulent information be removed from my report so my excellent credit score '' can be restored. Note : Just a little further irritation. XXXX had added " XXXX '' after my name and told me I had to send copies of my Birth Certificate and Drivers License in order for them to remove it. I have never been a " XXXX '' and I feel that it is their responsibility to correct the mistake that is obviously not mine. The problem is not Bank of Americas either. They say this credit card number is not theirs. That has been the problem, the Credit Bureaus do not know who gave them the information and B of A can't have the information removed because it's not their number.

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 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I applied for a recast with Shellpoint on XX/XX/XXXX. The purpose of the recast was to lower my monthly mortgage payments if I made a substantial payment on the balance owed. I made payments of {$4300.00}, {$3000.00} and submitted an application fee of {$250.00} XX/XX/XXXX over the phone with one of their mortgage representatives. I kept calling to check on status and was given the run around. I was told the process should be no longer than 2 weeks if done by phone. I sent letters to the Mortgage company in XX/XX/XXXX and XX/XX/XXXX and requested a refund of the {$7300.00} and {$250.00} since they did not process my Recast application. XX/XX/XXXX, I received a letter saying my loan was never even eligible for a recast and they are applying the funds to the principal. They have no right to apply those funds to principal or any other payments as I was not behind in my mortgage. I also stated since they fumbled on the Recast application, I do not authorize those funds to be applied to the principal -- just refund the {$7300.00} and the application fee of {$250.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
Complaint Against : XXXXCBE GROUP Product : Debt Collection Issue : Unverified debt / Inaccurate reporting / Non-response I am submitting this complaint regarding a debt account being collected by CBE GROUP . This complaint raises new and unresolved issues : 1. Failure to Provide Verification of Debt I requested full documentation to verify the debt, including the original account details, the amount claimed, and any supporting calculations. The debt collector has ceased all communication and has not provided any verification. 2. Unverifiable and Potentially Inaccurate Balance Because the debt collector has not provided documentation, there is no way to confirm that the balance is accurate. Reporting a debt without verification is inaccurate and misleading. 3. Potentially Improper Account Reporting If this debt has been reported to credit bureaus, it may appear as active or open despite being unverified. Unverified accounts should not be reported as valid. 4. Failure to Conduct a Reasonable Investigation / Non-Response The debt collectors lack of communication demonstrates a failure to respond or verify the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Requested Resolution : Provide full verification of the debt, including original documentation and itemized balance calculation Correct any inaccurate reporting to credit bureaus If the debt can not be verified, remove it from all credit reporting agencies I am requesting a full and proper investigation into the debt collectors failure to respond and the unverifiable nature of this debt. SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for reporting inaccurate and unverifiable collection account information to all three major consumer credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. LVNV Funding LLC is reporting a collection account with an alleged balance of {$630.00}, citing XXXX XXXX XXXX XXXX as the original creditor, Account XXXX. XXXX. This account was placed for collection in XX/XX/XXXX and is being reported across all three major credit bureaus with material inaccuracies and deficiencies that demonstrate the information can not be fully verified. Specifically, I am alleging the following violations : 1. DEBT BUYER INCOMPLETE DOCUMENTATION CHAIN : LVNV Funding LLC is a debt purchaser, not the original creditor. LVNV purchased this alleged debt from XXXX XXXX XXXX XXXX as part of a portfolio acquisition. Debt buyers who acquire portfolios of charged-off accounts routinely receive only electronic data summaries rather than complete original account documentation. LVNV Funding must possess the original signed credit agreement bearing my signature, complete account statements from account opening through charge-off, a full itemized breakdown of all charges and fees comprising the {$630.00} balance, the exact charge-off date and balance at time of charge-off, and the complete chain of title from XXXX XXXX XXXX XXXX. to LVNV Funding LLC. Reporting this debt without possessing complete documentation is a direct violation of the FCRA 's accuracy requirements. XXXX. RECENTLY ACQUIRED DEBT DOCUMENTATION VULNERABILITY : This account was placed for collection in XX/XX/XXXX, meaning LVNV Funding very recently acquired this alleged debt. Fresh portfolio acquisitions are particularly vulnerable to documentation deficiencies because complete account records from XXXXXXXX XXXX XXXX XXXXXXXX. may not have been fully transferred or verified at the time of reporting. 3. ABSENCE OF VERIFIABLE PAYMENT HISTORY : My XXXX report reflects absolutely no payment history for this account. XXXX XXXX XXXX each reflect only a single collection notation in XX/XX/XXXX. A single data point is not a verifiable payment history. The near-complete absence of transaction history across all three bureaus makes the {$630.00} balance impossible to independently verify. XXXX. UNVERIFIED BALANCE COMPOSITION : The {$630.00} balance must be verified as accurately reflecting only legitimate charges and not inflated by post-charge-off interest, fees, or penalties. No itemized accounting of this balance appears anywhere on my credit reports. XXXX. CROSS-BUREAU INCONSISTENCY : This account reflects a collection notation on XXXX XXXX XXXX in XX/XX/XXXX while XXXX reflects no payment history at all a fundamental inconsistency on a newly placed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: NC

Complaint narrative:
This complaint raises new issues not previously investigated, specifically the failure to disclose the auction sale amount used to calculate the deficiency balance. Complaint Against : Global Lending Services Product : Auto Loan Issue : Inaccurate balance / Failure to provide complete documentation This complaint raises new issues that were not previously investigated or resolved. I am disputing the accuracy of an auto loan account reported by Global Lending Services, currently showing a repossession with a balance of approximately {$9600.00}. The company has failed to provide critical documentation necessary to verify this balance, specifically : 1. Failure to Disclose Auction Sale Amount The company claims the vehicle was sold at auction ; however, they did not provide the actual sale amount. This figure is essential to determine how the remaining deficiency balance was calculated. Without it, the reported balance can not be verified. 2. Unverifiable and Potentially Inaccurate Balance Because the auction sale amount has not been disclosed, there is no transparent breakdown showing how the balance of {$9600.00} was determined. Reporting a balance without full supporting documentation is inaccurate and misleading. 3. Improper Account Status Reporting This account is being reported as open, despite being a repossession. This is inaccurate. A repossession account should be reported as closed with any remaining deficiency balance clearly defined. 4. Failure to Conduct a Reasonable Investigation In response to prior disputes, the company failed to address these specific issues and did not provide the required documentation to support their reporting. Under the Fair Credit Reporting Act, all information furnished to credit reporting agencies must be complete and accurate. Due to the missing auction sale documentation and lack of a verifiable balance calculation, this account does not meet those requirements. Requested Resolution : Provide the auction sale amount and a full, itemized deficiency balance calculation Correct the account status to accurately reflect a closed repossession If the balance can not be fully verified with proper documentation, delete the account from all credit reporting agencies I am requesting a full and proper investigation into these unresolved issues.

Company response to consumer: Closed with explanation