vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc.
State: GA

Complaint narrative:
I have an agreement with the original creditor which is XXXX XXXX XXXX. I have been paying them monthly since XX/XX/year>. I have contacted XXXX twice and they said they never contacted Synerprise Consulting to put my account with them in collections and have been verified. Synerprise Consulting fraudulently reported to all three consumer bureaus XXXX XXXX XXXX XXXX without sending me any notice or letter to my address etc. They have violated the fair debt collection practice act ( DCPA 15 U.S.C. 16929 ) Also a violation of NSA and FCRA Rules. I need this collection removed off all three consumer reports. I have documentation to prove my monthly payments to the original creditor. ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have not consented to receiving text messages from this company and I am on a do not call list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and discovered accounts and/or inquiries that I did not open or authorize. These accounts are the result of identity theft. I have already filed a report with XXXX and I am in the process of disputing these items with the credit bureaus. Despite my efforts, these fraudulent accounts are still being reported on my credit file, which is negatively affecting my credit score and financial standing. I am requesting a full investigation into these accounts and immediate removal of all fraudulent information from my credit report. I also request that the company provide proof of verification for these accounts, including any application or documentation bearing my signature. I am not responsible for these accounts and did not authorize them in any way.

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 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
Company did not give me a 1099-C. Was not reported to the IRS.

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 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing this complaint against Capital One for furnishing inaccurate and inconsistent information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA 623 ). The same account is being reported with conflicting statuses across the credit bureaus : - One bureau reports the account as current - Another reports the account as 60 days past due - Another reports the account as 90 days past due This inconsistency clearly demonstrates that Capital One is not reporting accurate or consistent information, which is required under federal law. I have disputed this matter, and the inaccurate reporting remains, indicating a failure to properly investigate and correct the issue. Under FCRA 623, furnishers are required to provide accurate information and correct any inaccuracies after receiving notice of a dispute. I am requesting : - Immediate correction or deletion of this account from all credit bureaus - Documentation showing how the account status was determined and verified - Confirmation that all credit bureaus have been updated with consistent and accurate information If this account can not be reported accurately and consistently, it must be deleted. This complaint is being submitted directly by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: Block, Inc.
State: NC

Complaint narrative:
never received my refund. From XXXX XXXX on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Subject : Escalation Unjust Account Closure After 10+ Years of Perfect Payment History To Whom It May Concern, I am formally escalating a complaint regarding the abrupt and unjustified closure of my Home Depot credit account, which had been in excellent standing since 2016. For nearly a decade, I have maintained a flawless payment history with your companynever missing a payment. Recently, following the death of my father, I inadvertently submitted XXXX payments from a bank account that had been closed. This was an isolated and understandable error during an extremely difficult and disruptive time. What is completely unacceptable is your companys response. At no point did XXXX XXXX or its issuing bank attempt to contact meno phone call, no email, no textdespite my long-standing history as a reliable customer. Instead, my account was immediately closed without warning. This action demonstrates : A complete failure in basic customer communication A lack of reasonable review for long-term, high-quality account holders A rigid and irresponsible approach to account management To make matters worse, after spending over an hour and a half on the phone attempting to resolve this, I was told there is nothing that can be done. That response is unacceptable and reflects poorly on your customer service and internal escalation processes. Let me be clear : This is not a case of habitual missed payments or financial irresponsibility. This is a single incident tied directly to a family death and an honest oversightafter nearly 10 years of perfect account management. The decision to close this account without any attempt at resolution or communication is excessive, unnecessary, and damaging. As a small business owner, access to credit is critical. Your actions have now : Disrupted my ability to operate efficiently Potentially damaged my credit profile Broken trust built over nearly a decade I am demanding the following : An immediate executive-level review of this account closure Reconsideration of reinstating the account Removal or suppression of any negative credit reporting tied to this incident A formal explanation as to why no outreach attempt was made prior to closure If this matter is not resolved appropriately, I am prepared to pursue further action, including : Filing formal disputes with all major credit bureaus Escalating complaints through the Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sharing my experience publicly as a warning to other long-term customers I expect this matter to be taken seriously and handled at the appropriate levelnot dismissed with generic responses. I look forward to your prompt response. 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 2026-04-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a XXXX XXXX consumer credit card account issued by Citibank and used a promotional financing offer for a large appliance purchase with deferred interest, advertised as no interest if paid in full within 24 months. I made consistent, on-time payments and believed that the original promotional balance was paid off within the required timeframe. Prior to the expiration of the promotional period, I made an additional purchase ( a grill ) on the same account. After the 24-month promotional period expired, I was charged the full amount of deferred interest not only on the grill purchase, but also on the original appliance purchase, which I reasonably believed had already been paid in full. I contacted customer service and was informed that due to payment allocation methods and/or a remaining balance, the promotional balance was not considered fully paid off, which triggered retroactive interest charges. However, this was not clearly disclosed or understood at the time of purchase or during the repayment period. I am requesting a full review of how payments were applied between promotional and non-promotional balances, it should be to your first purchase which my purchase would have been paid off in time before expiration and removal or reduction of the deferred interest charges, as I made good faith efforts to comply with the terms of the promotion. I believe the billing practices and application of payments were unclear and misleading, resulting in unexpected and significant interest charges. We are good customers and make recurring payments.

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 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and discovered accounts and/or inquiries that I did not open or authorize. These accounts are the result of identity theft. I have already filed a report with XXXX and I am in the process of disputing these items with the credit bureaus. Despite my efforts, these fraudulent accounts are still being reported on my credit file, which is negatively affecting my credit score and financial standing. I am requesting a full investigation into these accounts and immediate removal of all fraudulent information from my credit report. I also request that the company provide proof of verification for these accounts, including any application or documentation bearing my signature. I am not responsible for these accounts and did not authorize them in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XX/XX/2026, Wells Fargo sent me a remediation letter stating they made an error in the escrow shortage spread adjustment while they were servicing my mortgage. Because of this error, my monthly payment was higher than it should have been and improper late fees were charged. Wells Fargo issued a reimbursement check for {$540.00} on XX/XX/2026 for the loss of use of funds and related charges. This incorrect escrow and payment history was then transferred to the new servicer and is now being used in an active foreclosure case. I requested a corrected escrow analysis and corrected loan history from Wells Fargo, but they did not provide it. The inaccurate data continues to affect the alleged amount due and the timeline being asserted in the foreclosure.

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 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems that I do not recognize and do not believe I owe. This account has been placed on my credit report without sufficient verification or documentation XXXX support its validity. I have not received any proper validation showing the origin of the debt, the original creditor, or any agreement bearing my signature. I requested validation of this alleged debt, including the original creditor, account history, and documentation proving I am responsible for this account. This information has not been provided. Despite the lack of verification, this account continues XXXX be reported and is negatively impacting my credit profile. Attempting XXXX collect a debt without proper validation and continuing XXXX report unverified information is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting : - XXXX investigation of this account - Full validation of the alleged debt- XXXX removal of this account from my credit report if it can not be properly verified This is a formal dispute of this account in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: WV

Complaint narrative:
I have been getting a {$200.00} overdraft for well over a year. Even 3 days ago it was a {$200.00} overdraft. There was a refund from XXXX processing for {$45.00} for the last 3 days. It finally hit my account and they reduced my overdraft to {$150.00} and took my money. The excuse was that my account had been overdrawn too long, which is wrong. Every XXXX weeks I have a paycheck for {$800.00} clear through the account. I have never had this problem until now and they are refusing to give my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On or about XX/XX/XXXX, my vehicle, a XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ), was repossessed in XXXX XXXX, Texas in connection with an alleged debt obligation involving First Technology Federal Credit Union. The repossession was carried out without a court order or judicial process and the vehicle was removed from my possession by a repossession agent acting on behalf of or in coordination with the creditor. After the repossession, the vehicle was transported through commercial recovery channels and placed into storage and/or auction handling. Following the repossession, I requested documentation verifying the legal authority for the repossession, including the security agreement, proof of default, repossession authorization, and any supporting filings. I also requested a complete inventory of personal property contained in the vehicle and documentation regarding the chain of custody and storage handling. Despite these requests, I have not received complete or adequate documentation regarding the repossession authority, the handling of my personal property, or the full chain of custody of the vehicle. As a result, I have been deprived of the use of my vehicle since the date of repossession and have incurred ongoing financial harm, including loss of use and potential property loss. I am seeking full documentation, clarification of authority, and resolution of the matter.

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 2026-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute and request an investigation regarding a student loan account associated with my daughter, XXXX XXXX, who attended XXXX XXXX XXXX for less than XXXX year. I have been charged a total of approximately {$55000.00} despite having already paid nearly {$20000.00}. These charges are unclear and, to my knowledge, unjustified. I have attempted to clarify these charges with the loan office Nelnet but have not received a satisfactory explanation. It is inconceivable that a trade school could bill over {$50000.00} for a student who did not complete her program. Additionally, my daughter was a special needs student, attending XXXX XXXX XXXX XXXX XXXX with a documented learning XXXX, which further raises concerns about the appropriateness and legitimacy of these charges. Given the circumstances, I believe this matter warrants a formal investigation for potential errors or fraudulent activity. To my understand this school was shut down due to fraudulent loan and activities. I want this to be review because I didnt sign a loan for XXXX + My name is XXXX XXXX XXXX number XXXX or XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX Account number with Nelnet is XXXX XXXX reach out if you need anything else to complete this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> Harris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt in its entirety and request that you provide full validation of the alleged obligation. Until such validation is provided, you must cease all collection activities and reporting to any credit reporting agencies. Please provide the following documentation and information : XXXX. The name and address of the original creditor. XXXX. The full account number associated with the alleged debt. XXXX. The date the alleged debt was incurred. XXXX. A detailed itemization of the amount claimed, including : * Principal balance * Interest * Fees * Any other charges XXXX. Copies of any agreement, contract, or instrument bearing my signature that demonstrates I have a legal obligation to pay this debt. XXXX. Proof that you are legally authorized to collect on this debt in my state. XXXX. Documentation showing the chain of ownership of the debt, including all assignments or transfers. XXXX. Proof that the statute of limitations has not expired on this debt. XXXX. Verification that this debt has not been paid, settled, discharged, or otherwise resolved. XXXX. A copy of any judgment, if applicable. Additionally : * If you have reported this account to any credit reporting agencies, please provide proof of accurate reporting. * If you can not provide the requested validation, you must immediately cease collection efforts and remove any negative reporting associated with this account. Be advised that failure to comply with this request in XXXX days may constitute violations of federal law, and I am prepared to pursue all available remedies. All future communication regarding this matter must be in writing. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have made multiple attempts to resolve this issue through Citi phone and chat support, including efforts to reach a manager. Unfortunately, each attempt has required an unreasonable amount of time without resolution, forcing me to end the calls. I am now escalating this matter via email in hopes that management can promptly and effectively resolve it. This issue stems from a single annual subscription charge on an account I rarely use. I was unaware of the charge, but paid the balance in full immediately upon discoveryjust one day after the due date. Despite this, multiple late fees and interest charges have been assessed, bringing the total to {$110.00}. These additional charges are the result of the original late fee compounding, not new or repeated missed payments. After not resolving these issues for over a month via phone, email were initiated XX/XX/XXXX with no reply. Multiple attempts have been made to various email addresses.

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 2026-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: TN

Complaint narrative:
XXXX, to be so called XXXX of the big XXXX credit reports is not even in the bottom XXXX, they are below. I am a victim of identity theft on XXXX XXXX XXXX loans taken out in my name XXXX years before I knew it happened. That itself should raise an eyebrow but not with XXXX. I have disputed this since the day I was aware with the loan company but thats another complaint later. My attorneys and I have sent XXXX dispute letters to XXXX to prove I did not have anything to do with obtaining these loans and this stayed on my XXXX credit report for over a year. Then XXXX day I get a letter from XXXX the loans will be removed, hallelujah!!, somebody at XXXX has some sense after all, I thought. Not long after receiving the letter about the loans being removed and they were removed here comes another letter from XXXX saying they received a certification letter from the loan folks that said indeed I do own the loans being removed and to add it back to my credit report and XXXX did exactly that without giving me a chance to dispute with more information if needed but noooo XXXX just a XXXX XXXX XXXX, XXXX and what my attorneys and I say dont mean XXXX to XXXX because they got a CERTIFIED letter saying the loan is mine. Well they both are wrong once again but XXXX sure the certified letter will have to show up sooner or later. But, the most important thing is XXXX added the loan back but the other XXXX of the big XXXX removed the loan and it stayed removed which ask the question who is XXXX to say the loan should be reinstated when all XXXX credit bureaus got basically the same letter? Good question that needs to be answered. I have never been asked by XXXX for more information and apparently the certified letter carries more weight than the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Santander has been knocking on my exes door and verbally told him exactly how much I owed on my car. And what they were looking for. They XXXX assisted me with any payment plan or financial hardship even though I begged for it. I have the right to cure

Company response to consumer: Closed with explanation