vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received an email communication saying that Synchrony Bank closed my Synchrony Jewelry account. They claimed to have done a credit risk review and the results made them close my account. They then said on the call I had with them that it was also for XXXX months inactivity. However, my account was active within the year with my account completely paid off in XXXX of XXXX. I got this card in the XXXX of XXXX for purchasing my wife 's engagement ring and made periodic charges every year or XXXX to keep it active and take advantage of their no interest purchase program. In the XXXX years of having this card, I have never had an issue. Never had a late payment or in fact any late payments hit my record on any of my XXXX Synchrony accounts or their competition 's accounts. It is also funny that in this same time frame, I have had my credit limits increased by their competitors without me making a request ( XXXX and XXXX XXXX ). Further more, if it was getting close to the inactivity timeframe, why did they not send communication prior to them closing the account. I have received that in the past and just recently from XXXX XXXX regarding an account with them. While the XXXX season and some medical bills have resulted in some increase balances, my overall credit usage is still around 30 % overall, prior to them damaging my credit with this closure. Furthermore, I have no late account reporting on any of my accounts. I feel like this closure was done as retaliation on a complaint I filed at the end of XXXX ( XX/XX/XXXX ) regarding the reversal of a late fee from a late processed payment and their paper bill fee. The complaint # XXXX resulted in the reversal of all fees, but then within XXXX months they " reviewed '' and closed XXXX of my XXXX accounts with them. I find that too much of a coincidence. And think they are thumbing their noses at me and the CFPB with the closure. The people I dealt with on the phone were very rude and would not connect me with the department when I asked for a manual credit review appeal. I can be contacted by phone from them or email regarding this complaint.

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 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I received a call from this company stating they were collecting for a rental property, XXXXXXXX XXXX XXXX XXXXXXXX. In speaking with the representative, I told her the property management company was not awarded a money judgment and was awarded a 'possession only ' judgment. The representative told me that I would need to prove it. I told her that is factually incorrect ; by law, if the company is attempting to collect from me, they are legally required to validate the debt in regulatory compliance with the Fair Debt Collection Practices Act, and until the debt is validated, they must cease any further collection efforts. The agent laughed at me and told me I would need to pay the amount or prove I don't owe it. To date, I have received additional calls and emails attempting to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding National Credit Adjusters for reporting a debt that I do not recognize and that has not been properly verified. The account reflects a balance of {$4600.00}. I have not received sufficient documentation to confirm the validity or ownership of this debt. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that National Credit Adjusters provide proper verification, including : - Original creditor information - A signed agreement or contract - Complete payment history - Proof of legal ownership and authority to collect this debt At this time, this information has not been provided. Reporting unverified or inaccurate information is a violation of XXXX law. I request that this account be fully investigated and removed if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo bank claim numberXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX This submission provides forensic evidence of an organized Fraud, Scam, and Transaction Laundering operation by XXXX XXXX. Deceptive practices bypassed well fargo security filters, resulting in the fraudulent seizure of {$6000.00} XXXX. TRANSACTION LAUNDERING & BANKING CONTROL EVASION Misclassification : App listed as Social Networking & Chat while internally an unlicensed gambling platform ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX. Transaction Laundering / Concealment : Masking gambling payments under a social label to bypass banking security. Unauthorized Account Manipulation : My account region changed from XXXX XXXX XXXX without consent to bypass regional restrictions. Evidence : Screenshots of region change and gambling interface. XXXX. PREDATORY INDUCEMENT & EXTERNAL EVASION Communication redirected to XXXX, XXXX, and XXXX to avoid traceability. Agents used social engineering and promised rewards/salary to entice deposits. Licensing, legality, or withdrawal questions were ignored, deflected, or deleted. Evidence : Screenshots of chat logs showing inducement and evasion. XXXX. CONSTRUCTIVE THEFT & WITHHOLDING OF FUNDS After depositing {$6000.00} XXXX. Withdrawal/Exchange functions disabled. XXXX. Verified cash balance XXXX out manually. XXXX. Permanent account ban applied to prevent reclamation and erase evidence. XXXX. LEGAL BASIS Regulation E ( Electronic Fund Transfer Act ) Fair Credit Billing Act ( FCBA ) FTC Consumer Protection Standards Mastercard/Visa MCC Rules Transaction Laundering / Concealment of Payments XXXX. FORMAL DEMAND 7. Immediate full reversal ( chargeback ) of all transactions totaling {$6000.00} 8. Provisional credit pending investigation. 9. Escalation to Senior Fraud & Scam / 7. DECLARATION " I declare under penalty of perjury that this is a confirmed case of organized Fraud, Scam, and unlicensed Gambling. The merchant intentionally misrepresented services, bypassed banking security, manipulated my account region, concealed withdrawal procedures, and induced deposits via external platforms ( XXXX, XXXX, XXXX ). Immediate escalation and reversal of all funds is requeste

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year> Creditor : XXXX XXXX XXXXXXXX Account number : XXXX Subject : Dispute of Alleged Debt and Request for Validation To Whom It May Concern : I am writing in response to your communication regarding an alleged debt. I dispute this debt in its entirety and request that you provide full validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request that you provide the following : 1. Proof that your agency has the legal right to collect on this debt, including documentation showing that the debt was assigned or transferred to you. 2. The name and address of the original creditor. 3. A complete account history, including the amount of the alleged debt, any interest, fees, or charges added. 4. A copy of any contract or agreement bearing my signature that shows I agreed to assume this debt. 5. Proof that the statute of limitations has not expired on this debt. Until you provide proper validation, you must cease all collection activities, including reporting this debt to any credit reporting agencies. If this debt has already been reported, I request that it be marked as disputed. If you are unable to provide the requested documentation, I demand that you cease all collection efforts and remove any references to this account from my credit reports. Please note that I prefer all future communications to be made in writing. Thank you for your prompt attention to this matter. 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 explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC for reporting a debt on my credit file that I do not recognize and that has not been properly verified. The account in question reflects a balance of {$840.00}. I have not been provided with sufficient documentation to confirm that this debt is accurate or that it belongs to me. Under the Fair Credit Reporting Act ( FCRA ) and applicable debt collection laws, I am requesting that LVNV Funding LLC provide proper verification, including : - Original creditor information - A signed agreement or contract - Complete payment history - Proof of ownership and legal right to collect this debt At this time, this information has not been provided. Reporting unverified or inaccurate information is a violation of federal law. I am requesting that this account be thoroughly investigated and either verified with proper documentation or removed entirely from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: CO

Complaint narrative:
This debt collector has clearly engaged in practices that are prohibited by the Fair Debt Collection Practices Act ( FDCPA ). They reported an account that I never agreed to, and I have not signed any agreement regarding it. A legal contract requires signatures from both parties, and I was not involved in this process at all. Furthermore, they failed to follow the proper five-step validation procedure. Under the FDCPA, I am entitled to compensation for these violations. It is evident that they have infringed upon my rights and abused their privileges. I demand the immediate removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I made a purchase totaling {$720.00} on XX/XX/2025. The merchant ( XXXX ) issued refunds of {$73.00} and {$36.00}, totaling {$100.00} on XX/XX/2025. However, these refunds were reversed by adjustments on my credit card, and my balance does not reflect the refunds. I can not clearly locate the adjustments in PayPal, but the total balance shows I was not credited properly. I have attached proof of the refunds and request correction of this billing error.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: TX

Complaint narrative:
Your Name Your Address City, State, ZIP Date Credit Bureau Name ( XXXX / XXXX / XXXX ) Re : Notice of FCRA Violations Demand for Immediate Deletion ( Kickoff Account ) Creditor : Kickoff Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation. A mere automated confirmation from the furnisher does not constitute a lawful investigation. Your failure to provide any supporting documentation strongly suggests that no proper investigation was conducted. Furthermore, under 15 U.S.C. 1681e ( b ), you are required to maintain maximum possible accuracy in reporting. Reporting a charge-off without verified documentation is a direct violation of this statute. I am demanding the following : - The method of verification used- The name, address, and phone number of the entity you contacted - Copies of all documents, including any agreement bearing my signature, proving I have a legal obligation for this alleged debt You are also required under 15 U.S.C. 1681b ( a ) ( 2 ) to demonstrate a permissible purpose for reporting this account. If you can not provide the requested documentation, you must delete this account immediately. Be advised : Any continued reporting of this account without proper verification constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. I am fully prepared to pursue all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau and initiating legal action. This is your final opportunity to correct this matter before escalation. You have 15 days to comply with this demand. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I signed up for an in flight offer for the BARCLAYS credit card. BARCLAYS assigned me a XXXX XXXX number because I did not have XXXX. They also added placeholder address and phone number as part of their auto creation process. The assigned miles number is : XXXX. The address is CORRECT on the BARCLAYS credit card account, but XXXX says the address and phone number number are different on the auto generated MILES account. I was also never informed as to what my Miles number was until I received my XXXX credit card statement from BARCLAYS. BARCLAYS REFUSES to fix this and so does XXXX. XXXX is unable to merge this account and my new miles number : XXXX. I am unable to use any of the credit card features because it is associated with the miles number that I do not have access to, which was autogenerated by BARCLAYS. No other miles member number would sync up with the rewards and benefits of this card. BARCLAYS AND XXXX keep passing the buck to each other. More than XXXX polite phone calls to each company without 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 2026-03-23 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: CA

Complaint narrative:
Transaction Details : Date : XX/XX/year> Amount : {$600.00} Merchant : XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX I did not authorize this transaction. On XX/XX/year>, I was traveling by airplane from the United States to XXXX XXXX XXXX, XXXX. At the time of the charge, I was either in transit or had just arrived in XXXX XXXX XXXX. I was never in XXXX XXXX at any point during this trip. Additionally, I did not use my credit card at all on that day. My transportation and hotel were prepaid in advance. Upon arrival, my husband used his own credit card for all expenses, including hotel incidentals and dinner. I did not make any purchases whatsoever on XX/XX/year>. This transaction is listed as an in-person purchase in XXXX XXXX XXXX which would have been physically impossible for me to complete given my location and circumstances. I promptly reported this transaction to Chase as fraudulent. Despite this, Chase denied my claim and is now requiring me to pay for a charge that I did not authorize. Concerns : I was in transit on a flight or in XXXX XXXX XXXX at the time of the transaction and could not have made this purchase. I have never been to XXXX XXXX. I did not use my credit card at all on the date of the transaction. Chase has not provided sufficient evidence demonstrating that I authorized or participated in this transaction. The denial of my claim appears inconsistent with consumer protections under the Fair Credit Billing Act ( FCBA ), which limits liability for unauthorized credit card transactions. Supporting Documentation Available : Boarding pass and flight confirmation showing my travel on XX/XX/year> Travel itinerary confirming destination as XXXX XXXX XXXX, not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
On XX/XX/XXXX, XXXX submitted a written request via certified mail to the mortgage service asserting successor in interest status and requesting required documentation. The servicer failed to properly acknowledge or process the Successor in Interest request as required under Federal mortgage servicing regulations. XXXX subsequently submitted documentation and a Loss Mitigation application in good faith. Despite these pending matters the foreclosure still has been scheduled for XX/XX/XXXX. The servicer failed to properly evaluate Successor in Interest status and Loss Mitigation options has prejudiced XXXX and may constitute non compliance with applicable federal regulations. Allowing the foreclosure sale to proceed, before these issues were resolved would cause irreparable harm. Wherefore XXXX respectfully requests that this court enter an order staying the foreclosure sale pending proper review of Successor in Interest documentation and Loss mitigation evaluation and for such other relief as the Court deems just and proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I presented XXXX XXXX XXXX cashier XXXX XXXX my XXXX Citi card on XX/XX/year> at XXXX XXXX and XXXX XXXX eastern time. He asked me to insert the card into the card reader. Next, the card reader details appeared in XXXX ; which compelled XXXX to reboot his system twice ; due to the card readers information. In addition, the same happened with the main cashier XXXX XXXX. Most importantly, XXXX XXXX NEVER EVER GAVE ME ANY MONEY, BECAUSE THE TRANSACTION WAS DECLINED!! Although, the transaction was authorized on Citi Banks end. Needless to say, I used my XXXX XXXX card seamlessly on XX/XX/year> without incident.

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 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: CO

Complaint narrative:
Pulled my credit for a different matter, only for loan officer to find I have a collection against me. I have never received any communication written or verbal from alleged collector. When I contacted them multiple times for written verification, they just give the run around and say to just pay them and they will remove the collection on my credit. I have yet to receive any verification of debt owed and they keep asking me to just pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase promised us that we could refinance at no cost if interest rates dropped. Interest rates have dropped 1 % or more and now they are claiming this isnt possible because we arent in their portfolio - however we have been paying them for nearly two years. This is yet another promised they have told us during our mortgage process that has turned out to be a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I have submitted multiple XXXX XXXX XXXX XXXX ( PSLF ) employment certification forms over several years, including in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of XX/XX/XXXX, all of these submissions still appear in my account as In Progress, including forms submitted as far back as XXXX. None of these forms have been fully processed, completed, or resolved. Because these forms were not processed, my XXXX qualifying payment count and eligibility tracking are likely inaccurate. I contacted my loan servicer, MOHELA, and was informed that XXXX is now handled by XXXX XXXX XXXX. However, this does not resolve the fact that my previously submitted documentation has remained unprocessed for years. This reflects a multi-year failure to process submitted XXXX documentation. I am requesting : A full audit of all XXXX submissions associated with my account Processing and resolution of all outstanding In Progress forms A complete and corrected accounting of my PSLF qualifying payments I have made repeated good-faith efforts to submit required documentation, but the system has not properly processed my submissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I changed my phone number, and when I tried to log in to my account, it tries to send a verification cXX/XX/XXXXe to my old phone number. The app offers no way to correct this. So I tried the website, and it won't let me log in either -- - it redirects to the app, which repeats the same problem. I tried calling customer service, and it is just a dead-end loop that says to log in through the app. I have money in this account ( quite a bit ). I keep getting emails to correct it that lead back into the same dead end loop. They're holding my money, threatening to sell my shares without my consent to resolve a recurring payment they won't let me cancel, because they have me locked out of my account with no way of resolving the issue. I've been trying for more than XXXX months now. The company is Robinhood.

Company response to consumer: Closed with explanation