vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a resident of XXXX XXXX and am submitting this complaint to dispute a debt that has been reported on my credit file by Resurgent Capital Services on behalf of LVNV Funding LLC. The account in question is reported as originally owed to XXXX XXXX XXXX XXXX, with an alleged balance of {$750.00} and an account opening date of XX/XX/year>. I never received any written notification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I was not provided with a validation notice, nor was I given any opportunity to dispute the debt within the required timeframe. Additionally, I have recently discovered that I am a victim of identity theft. Based on this discovery, I believe this alleged debt is fraudulent and was not incurred by me. I did not open, authorize, or benefit from this account in any way. Despite this, the account has been reported to credit reporting agencies and/or collection attempts have been made without proper validation or verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
CareCredit Complaint Letter I would like to file a complaint regarding the deferred interest charged to my CareCredit account. I had a remaining balance on my account after the promotional period ended, and I was charged retroactive interest. I understand there was a promotional expiration date, however I was not aware that such a large amount of deferred interest would be added if the balance was not paid in full. I contacted CareCredit as soon as I noticed the charge and offered to pay the remaining principal balance immediately if the interest could be waived. I also called before the XXXX grace period ended and was given incorrect information regarding my options and the interest charges. I contacted the customer service line at XXXX multiple times and was passed between different agents without receiving consistent or accurate information. Despite multiple calls, no one was able to clearly explain my options or help resolve the issue before the grace period ended. I requested a one-time courtesy adjustment due to the circumstances, but my request was denied. I am requesting that CareCredit reconsider and either : Waive the deferred interest entirely Reduce the interest as a courtesy adjustment Allow me to pay the remaining balance under a lower-interest payment arrangement I have made efforts to keep the account current and resolve this matter quickly. I would appreciate a fair review of my account and a reasonable resolution. Thank you for your time and consideration. Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Subject : Formal Complaint Unauthorized Account Opening and FCRA Violations by Synchrony Bank I am submitting a formal complaint against Synchrony Bank for unauthorized account activity, improper balance transfers, and inaccurate credit reporting in violation of federal consumer protection laws. I have been a PayPal customer since XXXX, with a long-standing positive history and no prior issues. However, after Synchrony Bank took over management of PayPal credit accounts in XXXX, problems began to occur. These issues specifically started in XX/XX/XXXX. A Synchrony Bank representative explicitly informed me that when I disputed charges, Synchrony Bank closed the account and transferred the balance to newly created account numbers in my name. These accounts were opened without my knowledge, authorization, or consent, and I have never been provided access to them. Additionally, a XXXX representative advised me that this practice may be unlawful. This conduct raises serious concerns under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), including : Opening accounts without consumer authorization Furnishing inaccurate and misleading account information Failing to properly investigate disputed charges Continuing to report balances on closed or unauthorized accounts As a result, my credit report reflects approximately {$1000.00} associated with a closed and unused PayPal Credit account, causing ongoing financial harm and damage to my creditworthiness. I am requesting the following actions : Immediate investigation into Synchrony Banks practices Removal of all unauthorized accounts and associated balances Correction of all inaccurate credit reporting across all bureaus Written confirmation that no accounts will be opened in my name without explicit consent Documentation of how these accounts were opened and reported without authorization If this matter is not resolved promptly, I am prepared to pursue additional remedies available under federal and state consumer protection laws. This situation has caused significant stress, time burden, and financial harm. I expect a timely and thorough resolution. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I financed a purchase of approximately {$6300.00} through XXXX XXXX using a credit account issued by Comenity Bank under a promotional offer advertised as no interest for XXXX months. At the time of purchase, I initially intended to pay for the ring in full. However, I was encouraged at the point of sale to apply for the store credit card and use the promotional financing offer described as no interest for XXXX months. Based on how this offer was presented, I believed it was a beneficial and low-risk option, and I relied on that understanding when choosing to finance the purchase. Additionally, I paid for a related wedding band purchase in full around the same time, which further reflects that I was not relying on long-term financing and was financially capable of paying outright. My decision to use the promotional financing for the ring was based on my understanding of the offer as it was presented. Based on how this promotion was presented at the time of purchase, my understanding was that interest at approximately XXXX % would apply only to any remaining balance after the promotional period ended. I was not clearly informed that if the balance was not paid in full by the expiration date, interest would be applied retroactively to the entire original purchase amount from the date of purchase. Throughout the promotional period, I made consistent and timely payments and was actively working to pay off the balance. I made a payment shortly before the promotional expiration date of XX/XX/XXXX, and believed I was on track to satisfy the terms of the promotion. However, after the promotional period expired, I was charged approximately {$3900.00} in interest in a single billing cycle. I was informed this was deferred interest applied retroactively to the full original balance, not just the remaining amount. Had I clearly understood that any remaining balance ( even a small amount ) would result in nearly {$4000.00} in retroactive interest, I would have taken all necessary steps to ensure the balance was paid in full before the expiration date. I contacted Comenity Bank to request an explanation and a goodwill adjustment or waiver of the interest based on my consistent payment history and good-faith effort to comply with the promotion. While the charge was explained, my request for any adjustment or relief was denied. I believe the terms of this deferred interest promotion were not clearly and transparently disclosed in a way that a reasonable consumer would understand. The resulting charge is extremely disproportionate given my payment history and efforts to pay down the balance. I am requesting that Comenity Bank review this matter and remove or substantially reduce the deferred interest charges as a goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
PayPal denied my fraud claim despite documented unauthorized withdrawals totaling {$13000.00}. Funds were transferred to a XXXX XXXX account I do not own. An additional {$5000.00} was withdrawn from my linked XXXX XXXX account through PayPal. PayPals investigation relied only on IP consistency and ignored clear indicators of account compromise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XXXX our Santander bank account was charged XXXX consecutive debits on my husband 's card for {$100.00} each plus additional {$3.00} each bank charges. The bank detected it as fraud and refunded all XXXX charges including the bank charges on XXXX. We contacted the bank and said yes it was not our deductions but my husband had his card and they had us cancel his card and issued him a new one with a new pin. On XXXX the bank put back on our account XXXX of the charges for {$100.00} each. I contacted them and was told there would be a written explanation in the mail and there never was XXXX sent to our address. On XXXX I called the bank dispute line and was given case # XXXX, they said the XXXX department on would get back to us. They never did so I called again on XXXX and was told that since my husband 's card and pin were present, we would have to prove that he didn't make the transactions. I told them I'm sure he may have used his pin and card somewhere they had a scan reader and that's how the information was stolen. I also said that it appeared the charges came from XXXX locations in XXXX which we have not been to. They said there was nothing they could do unless we could provide proof. I said they should check into those locations and either look at cameras or check to see if there were issues with the card readers being tampered. We have never heard from them again. We have been loyal bank customers for over XXXX years and would not need to take {$300.00} from the bank. I also questioned why if this was not fraud, why did they tag it as fraud and never took back the first deduction of {$100.00} and {$3.00} fee and no answer was given. We would like to be reimbursed the {$300.00} from the bank that was stolen from our checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Thaxton Investment Corporation
State: UT

Complaint narrative:
I applied for a loan with quick credit through a link on XXXXXXXX XXXX so I thought it was legit. They asked for my driver 's license number, social security #, phone number, address, bank information routing and account number, along with my debit card info. Right after submitting it immediately said I was declined and went go a different web page. Since then I've had strange transactions happening with my bank account. I'm in the process of closing that account but I fear they've stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MD

Complaint narrative:
I am submitting this formal complaint against NRA Group , LLC, doing business as National Recovery Agency ( NRA ), for reporting a debt on my credit report without providing proper notice or verification as required by law. I recently discovered that the NRA has reported a collection account on my credit file. However, I was never provided with prior written notice of this alleged debt, nor was I given the opportunity to dispute or validate the claim before it was reported to the credit bureaus. This conduct is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, reporting a debt to credit reporting agencies without first providing proper notice and validation constitutes unfair and deceptive practices and may also violate the Fair Credit Reporting Act ( FCRA ). As a result of NRAs actions, I have suffered harm including : Damage to my credit profile and score Loss of financial opportunities Emotional distress and frustration Also, NRA Group , LLC, doing business as National Recovery Agency ( NRA ) does not have the proper debt collection licensing to practice in the state of Maryland and recently have a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: OR

Complaint narrative:
Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX I am disputing the alleged {$280.00} debt from XXXX XXXXe. This debt is invalid and will not be paid. I was a XXXX XXXX customer for XXXX years. On XX/XX/year>, I paid {$72.00} and requested account closure. For reasons such as calls began to drop increasingly and I wanted to go to another carrier. They were very rude- but I paid balance remaining and closed this account. No further charges or notices were sent. This collection includes XXXX XXXX charges for a device no longer in use and unauthorized. I demand immediate removal from all credit reports and verification of the debt with documentation. I called SRM to discuss- and was told they would never remove and will begin to charge more if I do not pay right away. Aggressive and rude. I was a solid customer to XXXX for XXXX years with perfect payments. My credit is important to me. I try to do all things with integrity and grace.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
CENTRAL PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRAL PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have filed complaints with the XXXX XXXX XXXX my State Attorney General, and the Federal Trade Commission because Portfolio Recovery Associates continues to report this account without providing proper validation of the alleged debt. I have requested validation multiple times and have never received documentation proving the debt is accurate, that I am legally responsible for it, or that Portfolio has the legal authority to report it. Additionally, I never received the required initial written notice of this debt before it was placed on my credit report. Portfolio claims notices are sent, but there is no proof that I actually received any such notice. Simply claiming a letter was sent is not proof that it was delivered or received. I also question how Portfolio Recovery Associates is reporting this account as a charge-off, as charge-offs are typically reported by the original creditor, not a third-party debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: MA

Complaint narrative:
I am filing a complaint against MOHELA ( Higher Education Loan Authority of the State of Missouri ), my federal student loan servicer, for failure to process my Public Service Loan Forgiveness ( PSLF ) Employment Certification Form. I am a full-time employee of a public school district, which is a qualifying employer under the PSLF program. My employer completed and signed the PSLF Employment Certification Form. Despite this, my account has displayed 'employment not certified ' status for over XXXX year with no resolution. I have contacted MOHELA by phone on multiple occasions to resolve this issue. Each time, I was unable to obtain a clear explanation or timeline for resolution. No written follow-up or case documentation was provided to me. MOHELA 's failure to process my employment certification is causing direct financial harm. Every month this remains unresolved, I continue making loan payments that may not be counted toward my XXXX qualifying payments potentially delaying or jeopardizing my forgiveness entirely. This conduct is consistent with widespread, documented complaints against MOHELA for failing to process PSLF applications in a timely manner, which is the subject of active litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I am requesting that the CFPB : XXXX. Investigate MOHELA 's failure to process my employment certification XXXX. XXXXequire MOHELA to provide a written explanation and resolution timeline XXXX. Ensure my qualifying payments during this delay are not lost I am happy to provide supporting documentation upon request.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 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 1681e ( b ) and 15 USC 1681i, 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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Demand Dear Sir/Madam, I am writing to formally demand that you cease and desist all collection efforts, communication, and any further actions regarding the following accounts : XXXX. Jefferson Capital - Account Opening Date : XX/XX/XXXX - Balance Amount : {$3400.00} - Account Number Ending XXXX XXXX XXXX XXXX XXXX - Account Opening Date : XX/XX/XXXX - Balance Amount : {$470.00} - Account Number Ending : XXXX These accounts do not belong to me, and any further attempt to collect or report these debts is a violation of my rights. I demand that you immediately stop all communication and reporting regarding these accounts. Be advised that if you do not comply with this demand within XXXX business days, I will seek all legal remedies available, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation