vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I am filing a complaint regarding an inaccurate and unverifiable collection account that has recently appeared on my credit report. The collection is being reported by XXXX XXXX XXXX XXXX, with Synchrony Bank listed as the original creditor. Upon contacting Synchrony Bank, I was informed that they acquired the debt in XX/XX/XXXX and then sold it to XXXX XXXX XXXX XXXX in XX/XX/XXXX. When I requested information regarding the true original creditor, I was told the account originated from PayPal XXXX XXXX. However, I have not had a PayPal account since XXXX and have never opened or used a PayPal XXXX XXXX account. Based on publicly available information, PayPal XXXX Credit accounts were transferred to Synchrony Bank in or around XXXX, later renamed PayPal XXXX, and eventually rebranded under Synchrony Bank. Given this timeline, the alleged debt appears to be significantly older than the XXXX reporting limit established under the Fair Credit Reporting Act ( FCRA ), making it obsolete and ineligible for reporting. Additionally, this same account appeared on my credit report in XX/XX/XXXX. At that time, I formally disputed the account, and it was removed after the company failed to verify the debt. The reappearance of this account raises concerns about improper reinsertion without proper verification or required notification. I am requesting the following : Immediate investigation and removal of this account from my credit report Documentation validating the debt, including the original signed agreement and full account history The date of first delinquency Proof that this account belongs to me Documentation of the chain of ownership from the original creditor to the current collector If this information can not be provided, the account must be permanently removed. I also request confirmation that proper procedures were followed before reinserting this account onto my credit report. This matter is causing harm to my credit profile and may constitute violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2026-03-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
.my name XXXX XXXX.I applied for for debt consolidation to clearone Advantage.for 24 months, I already finished my 25 months on XXXX first. But until now I have one account they don't settled, almost three months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I paid the debt on XX/XX/year> and just want to get it off my credit report to get a place.

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 2026-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX minute ago ) to me Issue : Funds being held / account restricted I am filing a complaint against PenFed Credit Union regarding restricted access to my funds. My account ( under the name XXXX XXXX, also known as XXXX XXXX ) has been flagged for suspected fraud, and as a result, my entire account has been restricted. While I understand that a specific deposit dated XX/XX/year> in the amount of {$5800.00} is under review, PenFed has also restricted access to verified legitimate funds that are not associated with this transaction. My account includes legitimate deposits such as income tax refunds and standard account activity, all of which can be verified with documentation. Based on my account statements, approximately {$3000.00} {$3000.00} represents verified funds that are not related to the disputed transaction. Despite my willingness to cooperate and provide documentation, PenFed has not provided a clear explanation, resolution process, or timeline for releasing my funds. I am requesting : Immediate release of all verified legitimate funds A clear explanation of the fraud designation Specific documentation requirements A timeline for resolution This restriction is causing financial hardship, and I am seeking prompt resolution. I am submitting this complaint due to restricted access to verified funds and lack of resolution from PenFed Credit Union. My account ( under the name XXXX XXXX, also known as XXXX XXXX ) has been flagged for suspected fraud, and as a result, my entire account has been restricted. For clarity, I understand that a specific deposit dated XX/XX/year> in the amount of {$5800.00} is currently under review. However, PenFed has also restricted access to verified legitimate funds that are not associated with this transaction. My account includes legitimate deposits, including income tax refunds and standard account activity, which are fully verifiable. These include : XX/XX/year> : Deposits of {$2800.00} and {$6200.00} ( income tax refunds ) XX/XX/year> : XXXX of {$4000.00} Based on my account statements : XX/XX/year> balance : {$3900.00} XX/XX/year> balance : {$3000.00} XX/XX/year> balance : {$3000.00} This shows that approximately {$3000.00} {$3000.00} represents verified funds that are not related to the disputed transaction.Despite my willingness to cooperate and provide documentation, PenFed has not provided a clear explanation, resolution process, or timeline for releasing my funds.

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 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
It took a XXXX $ loan out and I didnt want to or need to and it took my credit score way down

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 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Predatory lending. High interest rate for underwriting loans. Loan for 6 years interest rate for loan almost XXXX - XXXX percent and then asking for a down payment which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding improper account handling, failure to provide billing statements, and failure to open a formal dispute. In XX/XX/XXXX, I made a purchase of {$10.00}. I was enrolled in paperless statements on XX/XX/XXXX ; however, I did not receive billing emails and was not aware of the balance until XX/XX/XXXX. I only received text message notifications in XX/XX/XXXX, after the account was already past due. Upon learning of the balance, I immediately paid {$20.00}. On XX/XX/XXXX, I contacted customer service ( agent XXXX ), who requested payment and instructed me to follow up ; however, no notes were recorded from this call. On XX/XX/XXXX ( reference # XXXX ), I spoke with XXXX XXXX XXXX, who confirmed that no notes were recorded and stated the matter would be escalated ; however, no formal dispute was opened. On XX/XX/XXXX ( reference # XXXX ), agent XXXX ( ID XXXX ) stated that a dispute had been submitted ; however, I later learned that no formal dispute was actually opened and only internal notes exist. I was advised by a Senior Account XXXX ( XXXX ) to submit my dispute through the secure message system ; however, despite multiple attempts using different browsers and methods, the system did not allow submission. Additionally, I was informed by a representative ( XXXX ) that even if a dispute were opened, it would likely be declined. I was also informed by Senior Account XXXX XXXX that it was my responsibility to check statements online ; however, the bank confirmed that there had been no login activity on my account since XX/XX/XXXX. Despite this, no additional steps were taken to ensure that billing notifications were properly delivered. As a result, I was charged a {$70.00} late fee and interest despite the lack of proper notification and my immediate payment upon awareness. I believe these charges are unfair because I was not properly notified of my balance or due dates. I am requesting that all late fees and related interest charges be fully removed and that my account be corrected accordingly. I also request confirmation that my account will not be negatively reported to credit bureaus due to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-25 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: IL

Complaint narrative:
I am experiencing ongoing issues with my student loan account serviced by MOHELA. My account information appears inaccurate and inconsistent, which has caused confusion and financial concern. I have noticed discrepancies with my loan balance and/or payment application. The balance does not appear to reflect my payment activity accurately, and I am unable to clearly determine how payments and interest are being applied. This raises concerns that my account may be miscalculated or improperly managed. Additionally, I have had difficulty obtaining clear and reliable information from MOHELA. Communication has been inconsistent, and my attempts to resolve these issues have not resulted in a clear explanation or correction. These problems have created financial stress and uncertainty regarding the true status of my loan. I am concerned that I may be paying more than I should or that my account is not being handled correctly. I am requesting a full and detailed audit of my account, including a complete payment history, interest calculations, and an explanation of my current balance. I also request that any errors be corrected immediately and that my account be properly managed moving forward. I appreciate your prompt attention to this matter and expect a timely and thorough response.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am filing this complaint against Credit Collection Services ( CCS ) for attempting to collect and/or report a debt that has not been properly validated, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Credit Collection Services is reporting and/or attempting to collect on an alleged debt without providing sufficient documentation to establish that I owe the debt or that they have legal authority to collect. To date, CCS has failed to provide : A signed contract or agreement bearing my signature Complete chain of title showing legal ownership or assignment of the debt A full itemized accounting of the alleged balance The date of first delinquency with supporting documentation Proof of authorization from the original creditor to collect This failure to validate the debt constitutes violations of : FDCPA XXXX ( failure to provide proper validation of debt ) FDCPA XXXX ( false or misleading representations ) FCRA XXXX ( b ) ( reporting without maximum possible accuracy ) FCRA XXXX ( b ) ( failure to conduct a reasonable investigation ) Additionally, any continued reporting of this account without proper validation is inaccurate, misleading, and harmful to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OK

Complaint narrative:
In XXXX or XXXX I was scammed and someone used my name to buy phones from XXXX. I myself never bought anything from XXXX and till this day I have a phone from XXXX XXXX XXXX. I am disputing this account because I do not recognize it and do not believe it belongs to me. I have no knowledge of this debt and have not entered into any agreement with this company. Please provide full documentation proving this account belongs to me, including a signed agreement and verification of identity. If you can not provide this information, I request that this account be deleted immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
This account was opened fraudulently without my consent- identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Credence Resource and the reporting and collection of account XXXX. What Happened : XXXX. Credence Resource has reported an account in my name that is inaccurate, fraudulent, and unverifiable. XXXX. Despite my requests, they have failed to provide verification or proof of the debt. XXXX. I have received repeated collection attempts, including phone calls and letters, even though I am disputing the account. XXXX. This inaccurate reporting has negatively impacted my credit score and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management and their failure to properly validate a debt they are attempting to collect and report. I sent a written request for validation of this debt, and Midland Credit Management responded with documentation. However, the information provided does not constitute proper validation of the debt. The documents they provided only include basic account information, balance details, and limited transaction history. They did not provide any signed agreement, contract, or documentation showing that I am legally obligated to pay this debt. Additionally, they did not provide sufficient documentation demonstrating a complete chain of ownership from the original creditor to Midland Credit Management. Despite failing to provide full validation, Midland continues to report this account to credit reporting agencies and attempts to collect the debt. Providing billing statements or summaries alone is not sufficient to validate a debt under the Fair Debt Collection Practices Act. I have not been provided with adequate proof that this debt is mine or that Midland has the legal right to collect it. I have made a good faith effort to resolve this matter directly, but Midland has failed to properly validate the debt. I am requesting that Midland Credit Management : XXXX. Provide full validation of the debt, including a signed agreement and complete documentation XXXX. Provide proof of ownership and legal right to collect XXXX. Remove the account from all credit reporting agencies if they are unable to fully verify the debt This account is negatively impacting my credit and financial standing, and I am seeking resolution in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX membership XXXX XXXX XXXX XXXX ) during a sales presentation in XXXX for approximately {$3300.00}. The presentation lasted over XXXX hours and included verbal explanations and a handwritten summary of the benefits by the salesperson. Key benefits were described as including flexible airfare reimbursement ( XXXX ) and XXXX resort weeks usable over approximately XXXX years, along with broad access to hotel properties including XXXX of XXXX and other platforms. After the purchase, I sought clarification on how to use these benefits. During a welcome call on XX/XX/XXXX, XXXX the XXXX rescission period had expiredI was informed for the first time of significant limitations, including that : XXXX weeks are only valid for XXXX years after activation XXXX reimbursement is restricted to specific booking conditions within the companys system These limitations were not disclosed during the sales presentation and materially change the value and usability of the product. I disputed the charge with my credit card issuer, but the dispute was denied based on the contract terms without addressing that the purchase decision was made using incomplete and misleading information provided at the point of sale, and that the limitations were only disclosed after the rescission period had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I received a notice of a payment increase due to escrow shortage. There should be no shortage because my payment was increased last year for the same reason. Neither my b taxes nor my insurance has increased. I requested an escrow analysis for the past XXXX years and havent received it. I also requested that my escrow account be canceled so I can pay my own taxes and insurance. after MULTIPLE reminders over XXXX months, I finally received a response DECLINING this request because of rules of a modification. I dont know what theyre talking about. They never modified my loan. Id like an escrow analysis for the past XXXX years and I want my account canceled so I can pay both taxes and insurance myself. I dont trust this company.

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation