vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
filing this complaint against Synchrony Bank regarding inaccurate and unverified information being reported on my credit report. I disputed this account with the credit bureaus, including XX/XX/XXXX and XX/XX/XXXX responded by stating the account was updated, andXX/XX/XXXXupdated the account to reflect consumer disputes after resolution. These updates confirm the account remains disputed. I also contacted Synchrony Bank directly and requested proper validation of this alleged debt. Specifically, I requested a signed agreement, a complete payment history, a breakdown of the balance including all fees and interest, and documentation showing how the account was verified and their authority to report it. Synchrony Bank failed to provide any of the requested documentation. Instead, they sent a generic response stating they are correctly reporting the account, without providing any proof that the debt is valid or that the information being reported is accurate. Despite failing to provide proper validation, Synchrony Bank continues to report this account to the credit bureaus. Reporting a disputed account without proper verification is a violation of the Fair Credit Reporting Act, as the information is incomplete and unverifiable. I am requesting the following : Immediate deletion of this account from all credit reporting agencies Written confirmation that the account has been removed An investigation into Synchrony Banks reporting practices This matter has caused harm to my credit profile, and I am requesting immediate resolution.

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 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: CA

Complaint narrative:
I am submitting this complaint regarding the credit insurance/benefit associated with my loan serviced through Regional Finance and administered by XXXX XXXX. I enrolled in this benefit with the clear understanding that it would provide protection during periods of unemployment. However, when I attempted to use the benefit after becoming unemployed, I was informed that payments would only be made during weeks in which state unemployment benefits are actively being paid. Because my unemployment claim has been delayed and subsequently impacted, the benefit has effectively provided no meaningful coverage despite my continued unemployed status. This is unacceptable. I have been paying for a product that is presented as protection during hardship, yet it fails to function at the exact time it is needed most. The limitation that coverage only applies when unemployment benefits are actively being issued renders the benefit misleading and of little to no practical value. Additionally, my experience with the originating XXXX branch was extremely problematic. The representative who assisted me lacked a basic understanding of the product and claims process, which caused unnecessary delays and confusion when I attempted to initiate my claim. I will not be working with that branch moving forward and expect all matters to be handled at a corporate level. I have made repeated good faith efforts to communicate and understand how this benefit works, yet I have been left without coverage, without income, and still being billed for a product that is not providing the protection it was marketed to provide. This reflects poorly on both the administration of the benefit and the servicing of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: AL

Complaint narrative:
I requested to have my auto-withdrawal unenrolled on XX/XX/year> due to financial distress as in I have been let go from my job unexpectedly. I was informed by customer service that this was taken care of. On XX/XX/year>, I received a charge for {$490.00} to my account. I contacted them directly via phone call and on their customer service e-mail. I was granted unenrollment from auto-withdrawal once again despite being told on XX/XX/year> that this was complete. Today ( XX/XX/year> ), I was charged an additional {$500.00} despite the previous unenrollment. These were both unauthorized transactions that should not have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I was fraudulently charged for XXXX subscription in XXXX on my Citi card. I do not use any of XXXX 's services. Two ( positive ) charges were made. I disputed both. Citi only reversed one ( negative charge ). I have asked them repeatedly to review and they refuse to address it. Every time I send an inquiry they take two weeks to send a letter that says they already addressed the issue. The amount still in dispute is {$84.00}.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
I am submitting a complaint regarding improper debt collection and inaccurate credit reporting by Lockhart Morris & Montgomery. This company recently placed a collection account on my credit report for XXXX that I do not recognize. I have never received any prior written communication, validation notice, or documentation regarding this alleged debt before it was reported. Additionally, the account is being reported inaccurately. Lockhart Morris & Montgomery is listed as the original creditor, which is incorrect, as they are a third-party collection agency and not the original creditor. The account also contains inconsistent and misleading date information. I appears to reference and alleged debt from XXXX, while reporting a recent account opening date in XXXX. I have disputed this account with the credit bureaus and the XXXX and requested verfication. I request to remove this account from all credit reporting agencies if proper validation can not be provided. This conduct appearts to violate my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, which require accurate reporting and proper vaildation of alleged debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing too formally express my concerns regarding XXXX XXXX handling of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. they informed me that recovering lost funds was imposible and that tracking these transaction was unfeasible. The CFPB 'S findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This Lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am submitting a new complaint regarding Capital Ones handling of a dispute that was improperly investigated and incorrectly denied. This dispute involves a transaction for chimney services in the amount of {$1100.00}. The merchant charged me for services that were never fully rendered, specifically the installation of two chimney caps. Key facts : -The merchant claimed that two chimney caps would be installed within 46 weeks. -As of today, the caps have never been installed. -I have photographic evidence showing the original cap still in place. -The merchant is no longer contactable : -The phone number provided is disconnected. -The companys website is nonfunctional. XXXX made multiple attempts to contact the merchant to resolve the issue and was unsuccessful. Despite this, Capital One denied my dispute and advised me to resolve the issue with the merchant, which is not possible because the merchant is unreachable. This is not a quality-of-service dispute. This is a services not rendered case, and the merchant has failed to deliver the agreed-upon goods within the stated timeframe. Capital One failed to conduct a reasonable investigation and appears to have accepted the merchants claims without requiring proof that the contracted services were completed. What I am requesting I am requesting that Capital One : -Reopen and properly investigate this dispute as a services not rendered claim -Require the merchant to provide proof that the chimney caps were installed -Provide documentation of what evidence was used to deny my dispute -Issue a permanent credit for the transaction if the merchant can not provide proof of service completion Additional Concern : Capital Ones response through the Consumer Financial Protection Bureau stated that I should work with the merchant. This is not a reasonable resolution when the merchant is no longer reachable. This raises concerns that Capital One is not complying with its obligation to conduct a fair and thorough investigation under applicable billing error resolution requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
This medical debt is inaccurate and not owed. The provider failed to properly bill my insurance ( XXXX ) for the services before sending the account to collections. I have confirmed with my insurance that no proper claim was submitted for this balance. The provider initially submitted a claim to my insurance, but later updated the bill and failed to resubmit the corrected claim to XXXX before sending the account to collections. I have contacted the provider and disputed this debt multiple times, requesting proof that my insurance was billed and an itemized bill. The company has failed to provide this information. Despite this, the debt has been reported on my credit report and remains there after disputes. This is an attempt to collect a debt not owed and constitutes inaccurate credit reporting. I am requesting immediate removal of this account from my credit report or documentation proving that my insurance was properly billed prior to collections.

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 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am the primary account holder of a Kohls Capital One credit card and requested written confirmation that an authorized user, XXXX XXXX, was removed from my account. Capital One informed me that this documentation could only be sent by standard mail, with no option for email, fax, secure message, or expedited delivery. I explained that I needed this confirmation urgently for time-sensitive documentation purposes, but no alternative or expedited option was offered. During my most recent call, when I requested escalation or a solution, the supervisor was unhelpful and ultimately disconnected the call. I am requesting immediate written confirmation of the authorized user removal via email or secure message, clarification as to why no expedited or electronic delivery options are available, and a review of the customer service interaction, including the disconnected call. This situation has caused unnecessary delay and stress in resolving a time-sensitive matter, and I would like this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I want to file a formal complaint regarding my account and access to my funds. My account was closed on XX/XX/year> without any explanation. I went into a branch on XX/XX/XXXX and was told a rush would be placed on my account so I could withdraw my funds within XXXX to XXXX business days. I have called every day since then and have repeatedly been told there is no update. Yesterday marked the fifth business day. I spoke to a supervisor who assured me I would be able to withdraw my funds today. However, today I am again being told there is no update, and now Im being told it may take an additional XXXX to XXXX hours. At this point, I feel like I am being given inconsistent information and my funds are being withheld without justification. I have bills to pay and need immediate access to my money. I want this formally documented, escalated immediately, and I need a clear answer on when I will be able to access my funds. The account in question contains approximately {$15000.00} from my IRS tax refund, which represents critical funds I rely on for my financial obligations. These are not discretionary funds, and the continued delay in access is causing immediate financial hardship, as I have bills and essential expenses that need to be paid. The withholding of these funds without a clear explanation or resolution is unacceptable and needs to be addressed urgently.

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 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On Wednesday XX/XX/XXXXXX/XX/XXXX2026 I got an email fromXX/XX/XXXX that there was a new inquiry on my credit. When I logged on I saw the hard inquiry from synchronyXXXX XXXX XXXX XXXX I called synchrony bank immediately to inquire about what took place and to dispute it as I did not apply for credit with them.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was charged XXXX dollars in late fees because the order in which my bank processed my charges. So the largest charge went through first which made me overdraft and then they put through a bunch of small purchases for a few dollars each after it was overdrawn and charged me XXXX dollar overdraft charge for each.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: WV

Complaint narrative:
Chime has this thing called my pay. It's where you can get an advance on your paycheck and you just pay it back. XXXX the your payday and they took {$300.00} said it was going towards the mype never applied it to it. And then I got paid again, and they took another XXXX XXXX dollars. If I only owed XXXX XXXX dollars, and that's all it's said, I owed, then how can they take the XXXX XXXX dollars to pay for it and then take abother XXXXXXXX XXXX but yet, don't apply it to it. After they said that it wouldnt take out of my other check and it just needed updated. If I only owed XXXX XXXX and payed it where is it? It took out XX/XX/XXXX and I've called everyday and emailed and still nothing and the XXXX XXXX they took wqs on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I have been the victim of identity theft and fraud. Someone has taken a federal student loan out in my name and enrolled in XXXX XXXX XXXX XXXX in Indiana on XX/XX/XXXX and then dropped out on XX/XX/XXXX at which point the college issued a partial refund. On XX/XX/XXXX i checked my credit on XXXX XXXX and noticed this loan was there and is increasing every month as it is a baloon loan. I graduated college over two decades ago and have never had a student loan in my life, ive also never been to Indiana. The loan servicer Aidvantage is beyond corupt and I have documented every conversation with there agents to show the lies, and deception they push to drag this out as long as possible. Trying to get information out of Aidvantage and XXXX XXXX has been a full time job for nearly 3 months. I have an open case withe the indiana attorney generals office and the investigator has subpoenaed the documents under my name from the college and loan servicer and received zero response. I have made small steps in progress on this matter with XXXX amounts of effort. Thus far 3 entities have profited off my good credit, the scam artist, XXXX XXXX, and Aidvantage, the longer they drag this out the more money they will scam the federal government for or try to force me into giving up and paying this to save my credit which is not going to happen. I assume at this point the scam artist is someone who is employed at Aidvantage or maybe even more likely It is Aidvantage and they are just stealing from Americans and the federal government daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
Subject : Rebuttal of Duplicate Status Case XXXX I am writing to formally contest the " duplicate '' designation of this complaint. This filing is not a repeat of a prior dispute ; it is a new claim based on material evidence discovered in XX/XX/XXXX that proves prior complaints over the last four years were closed based on false information provided by the lender. Please note the following critical distinctions that necessitate a fresh investigation : New Evidence ( XX/XX/XXXX ) : This complaint is based on a FOIA response ( Control No. XXXX ) from the XXXX XXXX XXXX. This document provides official HUD confirmationavailable for the first timethat Cardinal Financial was mandated to perform an appraisal field review following my XX/XX/XXXX complaint. Correction of a Fraudulent Record : The FOIA evidence proves that for the past four years, Cardinal Financial has misrepresented HUDs requirements to both the borrower and regulators. Any prior " closed '' complaints regarding this matter were decided based on materially false evidence provided by the lender, specifically the claim that HUD had excused the mandatory appraisal review. Specific Regulatory Breach & Suppression : The XX/XX/XXXX evidence confirms Cardinal suppressed a " determination of property ineligibility. '' Under HUD Handbook 4000.1 and the FHA Defect Taxonomy, such a determination triggers mandatory borrower restitution. By withholding this, Cardinal unlawfully proceeded with foreclosure while corrective remedies were legally required. Misrepresentation to the Court : This claim introduces new proof that Cardinal misled the 412th Judicial District Court ( Cause No. XXXX ) to secure a judgment. This evidence of " material non-compliance '' directly invalidates the foreclosure as a matter of federal law. Because this complaint relies on verified regulatory confirmation dated XX/XX/XXXX, it can not be a duplicate. It is the first instance of a complaint based on the actual, un-redacted regulatory record, which reveals that Cardinals previous defenses were false. I request that this case be reopened and investigated as a fresh instance of wrongful foreclosure and regulatory suppression.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
As I stated before, these companies sent me up for failure. Many tas I have called them and asked them to set it on a day that I get paid. They refuse to do that, they kept telling me that they do it on the next time. When I get it paid up, that never happened.And I was a says, fees from the bank and from them, which caused me to go into financial turmoil. When the vehicle was repossessed, I never received any notice about this? Until after the vehicle was sold XXXX dollars and they expect me to pay XXXX XXXX XXXX dollars.Not only that, they keep changing the amount that is due. Their response was is that they said that I purchased a XXXX XXXX.I never purchased a XXXX XXXX. And I didn't get it from XXXX XXXX, whatever they said it came from XXXX. They're excuse for why did not receive the paperwork? Is because I put a do not Contact on my file because I kept harassing. But they had no problem.Notifying me that the car had a balance after they sold the car.Together told me sent me any kind of information before this incident. And on top of that, I was not able to be able to get my belongings out of the car.And so now, all my belongings are gone.

Company response to consumer: Closed with explanation