vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XX/XX/year>, my deferred-interest promotion on my Mattress Firm credit card ended, and Synchrony applied {$2500.00} in retroactive interest to my account. I have always paid on time and had the funds to pay the balance in full, but I was not clearly notified that the promotion was expiring or that failure to pay in full would trigger retroactive interest. The only mention was a buried line in a statement email, which was not explicit or actionable. 

I contacted Synchrony by phone to request a goodwill adjustment or temporary promotional reinstatement so I could pay the balance in full. During a recorded call, a XXXX stated that I was expected to log into my online account to see that interest was accruing and that the statement email was just a reminder. My request was denied due to an internal grace period, despite my perfect payment history. 

I am requesting a full reversal of the retroactive interest because it was not clearly disclosed and is unreasonable for a consumer who relied on the advertised 0 % promotion.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

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

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-01-19 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have been going through trying to get a short sale for my home for almost a year and they keep giving me the runaround saying they dont need more information then they need information on my husband and my husband is incarcerated at this moment and he made me power of attorney over him, so Im been trying to do a short sale for the home. Have someone thats willing to buy the home but Freedom Mortgage keep taking me in a circle and I dont know what to do at this moment because they seem like they just want me to give up and they trying to take my home when Im trying to do a short sale me or my husband have no income and Im just trying to figure out what do I need to do because I feel like Freedom Mortgage is just trying to take My home from me instead of me trying to do a short sale. They stopped the foreclose for the home. There isnt no auction date for the home either so Im lost at this point or what I need to do. This is why Im contacting you guys for help.

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 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I attempted to contact Truist Bank to resolve an issue related to my auto loan and prevent further action from being taken. During this process, I remained on hold for 3 hours and 16 minutes without reaching a representative. 

During prior communications with Truist, I requested assistance and was incorrectly directed and asked for the wrong information, without guidance toward what was actually required to resolve the issue. I relied on that guidance in good faith, which delayed resolution and directly contributed to the matter escalating. 

My bank issued and mailed a check along with a formal letter intended to resolve this issue. That payment was expected to be received by Truist in XXXX of XXXX, yet it is still showing as pending, and Truist has been unable to confirm or deny receipt. 

I was also informed during a conversation with a Truist representative that an email would be sent summarizing next steps. That email was never received, further compounding the delay. 

A repossession has since occurred, resulting in additional repossession-related fees and financial harm that may been avoidable had timely support, accurate guidance, confirmation of payment receipt, and promised follow-up communication been provided.

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 2026-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I was told that I owe for a vehicle that I was paying on and later own was repossessed because the car company said I wasnt making payments which I was

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I got a message on XXXX  and XXXX that a new card was opened under my name which I NEVER applied for and to my knowledge my credit was frozen either way I dont know how they were able to open a new card I made a complaint with XXXX but they said it was verified which again how if I NEVER applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: FL

Complaint narrative:
I received a text message out of the blue from a company that I have never heard from. This was the XXXX time I have heard from them. No other form of communication has been sent. I have paid off my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
CARTER-YOUNG is falsely reporting on my credit. I have never had any accounts with them. Per my research CARTER-YOUNG 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 XXXX.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
It started out with XXXX XXXX and XXXX  the young lady that I was talking to say that she had been making money off of XXXX and she will show me how to buy and sell once we did it the first time I earned {$140.00} that was put back into my account which made everything look legit then we did it a couple more times where I received the money back into my account that I had made then she came with adding more money to get a bigger node and she screenshot me on how to do it back-and-forth. I have all the evidence of the screenshots. She showed me where she was making XXXX or more each time she do a trade so I borrowed {$10000.00} the first time to get involved once I did that I applied it to the account so when the trade came up, I made XXXX the first time I left it in and I did it on the next trade that I made XXXX I left it in then I did the third trade and made XXXX. I decided I want to take it out and put it in my bank and start paying back my loan. Then I got the confirmation that I had to pay taxes before I can receive the money. Several people were telling me this was a scam, but I thought it was legit so I researched it further and found out that XXXX assets are paid to you first and you pay the taxes afterwards and I check with some other sources that told me that XXXX will pay you the money first and you pay the taxes afterwards thats when I found out that this was a scam that she was running then she tried to get me for XXXX more XXXX dollars because the taxes were XXXX and and from what they said pay the XXXX and you receive your money in XXXX hours and as I said, I researched it and found out that XXXX dont ask you to pay taxes first they release your assets and then you pay your taxes so thats when I found out by checking out with other sources that this was a scam can you please help me get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I gave a collection on my report. The name is portfolio Recovery. But the original creditor was XXXX XXXX XXXX Has a balance of $ {$47.00} but it states Paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PR

Complaint narrative:
I have been banking with a particular bank for over 30 years. Never had any issues with online banking, specifically with bill pay online. I had been enrolled with bill pay online since using online banking. I originally resided in NJ when I first opened my account I received my banking statements and later moved to PR and continued to receive all my statements and was still enrolled in banking online and was using bill pay online all throughout having not only 1 account, but several bank accounts.

I used the online bill pay to make payments on a monthly basis due to it being convenient for me. 

I received an email which read that on XX/XX/2025 through XX/XX/2025 that the online banking would be unavailable while they made enhancements. Prior to XX/XX/2025 I sent to pay a bill to be paid in XX/XX/2025. I received my confirmation # for that payment. 

After the system was upgraded, when I went online to take a look at my accounts, I immediately went to look to make sure that the payment I had scheduled was sent out for payment.

At that time I noticed that it was never sent out and in fact I was kicked out of the system as though I was never enrolled in the bill pay portion of the account, which I was all along prior to the upgrade.

I immediately contacted the bank and went through different reps who I was never able to get an answer as to why I was unenrolled in bill pay when I was always enrolled prior to the change.

After making several calls on several occasions, reconfirm receiving claim numbers and names of the various people i spoke to even holding on at times for over 1 hour, it was finally explained to me that when the system for the online pay bill was upgraded, they no longer had XXXX XXXX listed as a state which is why it kicked me out and I'm now no longer able to pay anyone in the US because of my address in XXXX XXXX. 

I need to know how this can be changed to include PR in the list of states. As you el know, XXXX XXXX is USA and PR was always on the list and now it's not.

This has become a hardship for me to pay anyone in the USA online.

I've been a customer for over 30 years with this bank and have several accounts.

If I am unable to resolve this issue, I will be forced to close ALL my accounts and open an account elsewhere.

Can you please help me with this matter?

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash App falsely alleged that I used someone elses identity to open my account. This is not true. I am the legitimate account holder and have valid government-issued identification and all required documentation. 

Based on this incorrect allegation, Cash App restricted my account and instructed me to close it while holding my funds. They have not provided evidence for the claim or a reasonable process to resolve the issue. 

I am requesting assistance in restoring access to my funds and correcting the false identity allegation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
* * Company : * * Mr. Cooper ( formerly Nationstar Mortgage ) * * Issue type : * * Problem with a payment / Escrow refund check * * What happened : * * Mr. Cooper issued me an escrow/tax refund check related to my former mortgage. The check was lost before I was able to deposit it. The check was never deposited or cashed. 

I am attempting to place a stop payment on the original check and request that the funds be reissued. However, I have been unable to reach a live representative despite multiple attempts via phone and chat. The automated phone system repeatedly routes me in loops or disconnects the call, making it impossible to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I talked to them on the wrong XXXX of 2024 asking could the send a letter for a debt agreement .. this loan act was a trade in on a another vehicle so I'm trying to figure why it's ok here as XXXX bad charge. If they never provide me for the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am submitting this complaint regarding Columbia Debt Recovery ( XXXX ) for repeated failures to validate an alleged debt that I have disputed for nearly XXXX years. 
Columbia Debt Recovery claims I owe a debt allegedly associated with The XXXX in the amount of {$2300.00} ( Account No. XXXX ). 

I have disputed this debt multiple times over the past XXXX years and have consistently requested proper validation. 
Despite these repeated disputes, Columbia Debt Recovery has never provided any meaningful documentation to substantiate the debt. 

They have failed to provide : A signed rental application bearing my signature Proof of identity connecting me to the alleged account Documentation showing lawful ownership or assignment of the debt On multiple occasions, representatives of Columbia Debt Recovery have stated that documentation would be sent to me via email ; however, no documentation has ever been provided. These representations appear to be made solely to delay or deflect my requests rather than to actually validate the debt. 

The company continues to assert that the debt is owed despite its inability or refusal to substantiate the claim. Unsupported assertions and internal statements do not meet the validation requirements under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ). 

I dispute this debt in full. After nearly XXXX years of unresolved disputes and repeated broken assurances, I believe Columbia Debt Recovery is engaging in improper collection practices by continuing to assert and potentially report an unverified debt. 

I am requesting that the CFPB require Columbia Debt Recovery to either : XXXX. Provide proper, lawful validation of the alleged debt, or XXXX. Cease all collection activity, remove from my credit and close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
LVNV funding has failed to send me debt validation letters. They added 2 collections to my XXXX, XXXX  and my XXXX  score has dropped. I have not received any phone calls, no mail like physical mail. I am disputing these debts. I want these off my record as the only contact method theyve made is email and have failed to send debt validation letters and have also refused to take payment or settlement when I called ( XXXX ) XXXX back in XXXX to settle and set up payment arrangement they never took our first payment. They have not worked with me and this is still on my account with a whole new account now with amount of XXXX and XXXX. I do not owe these amounts I want those two collections off my credit report as the collections agency is not following FDCPA guidelines and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XXXX XXXX I received a txt msg from, who I though was my bank ( Bank of America ) about some fraudulent activity being attempted on my banking account. Shortly thereafter I received a phone call from someone representing the BOA fraud department informing me of fraudulent activity being attempted with my banking account. The individual then connected me to another individual stating they were from the FBI and that they were performing a sting on the local BOA branches to find out perpetrators of fraudulent activity. They then asked me to drive to the band during which time they were texting me codes to give back to them. Unknowingly during my drive and conversation they were transferring money between 3 accounts. Once at the bank I went to the ATM where my card was declined. I proceeded to go into the bank and was able to transfer {$100000.00} to another BOA account that they had given me. After all this I notified the BOA fraud dept on XXXX of the occurrence and filed a claim. Eventually the claim was denied and I filed an appeal that was also declined by the bank. On XXXX XXXX I was in contact with the BOA fraud dept and they stated that the original claim was filed incorrectly and another claim was filed. This 2 was declined due to insufficient funds left in the other BOA account. I have meet with the branch manager and a higher up with the bank branch numerous times and nothing has been done. I have filed a local police report, which is being investigated, contacted the State of RI Police, and also filed an FBI claim. I was recently informed to contact you folks to see what can be done to retrieve the lost funds. Please Help!

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 non-monetary relief