vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Creditly Corp.
State: FL

Complaint narrative:
I requested a {$50.00} cash advance from Credit Genie and paid a fee for expedited delivery. The app shows the money was sent, but I never received the {$50.00}. The only transaction I received was {$0.00}, which Credit Genie later stated was a temporary card verification charge, not the actual advance. I contacted my bank, and they confirmed there is no incoming or rejected transaction for {$50.00} from Credit Genie. I contacted Credit Genie multiple times by email. In their responses, they stated that their records show the advance was successfully deposited, but they did not provide any proof of the transfer, such as an ACH trace number. Instead, they repeatedly told me to contact my bank. Despite not receiving the funds, Credit Genie is still claiming that I owe {$58.00}. I have attached email communications showing that I attempted to resolve this issue and that Credit Genie failed to provide proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint regarding a deferred interest promotion on a Synchrony Bank account used for a fitness equipment purchase. At the time of purchase ( XX/XX/XXXX ), I understood the financing to be no interest for XXXX months. I was not clearly informed that if the balance was not paid in full by the end of the promotional period, all accrued interest would be added retroactively from the original purchase date at an APR of approximately XXXX %. I made regular monthly payments and acted in good faith. After realizing the situation, I paid off the remaining principal balance in full on [ insert date ], as I would have done earlier had I clearly understood the terms. Despite this, after the promotional period expired on XX/XX/XXXX, I was charged {$3000.00} in deferred interest, which was unexpected and not something I knowingly agreed to incur. I attempted to resolve this directly with Synchrony Bank and spoke with three separate customer service representatives on [ insert date ], all of whom stated they were unable to provide any assistance or adjustment. While statements referenced a promotion expiring, I did not receive a clear or prominent notice indicating that a large retroactive interest charge would be applied if the balance was not paid in full. I believe the terms were not presented in a clear and understandable way at the point of sale, and the structure of the promotion is misleading to consumers. Given that I have now paid the full principal balance and acted in good faith, I am requesting that Synchrony Bank review this situation and remove or significantly reduce the deferred interest charge as a goodwill adjustment. This outcome feels inconsistent with a reasonable consumer understanding of no interest financing and creates a disproportionate penalty relative to the remaining balance.

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I have had a problem with getting a refund or theyre being a problem with the transaction and needing to get my money back and Im never able to speak with a Cash App representative and not being able to get a refund which means that Im without the money, I either deposit or from that transaction I have lost more than XXXX or {$300.00}. I lost money in XXXX and Ive lost money and XX/XX/XXXX. It seems like they still have not corrected the problem with customer service. I still am not really able to speak to anyone. But now are online worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I was in an accident on XX/XX/year>. The vehicle was towed, before my insurance could pick it up Westlake financial pick it up and charged me a XXXX $ + repossession fee. They could not explain why I have that on my account and told me if my insurance pays the loan amount ( XXXX ) that they would remove the repossession fee and I wouldnt have to pay it. Then after my insurance had to pay them XXXX just to get the vehicle from them. I believe they were charged the repossession fee and lied to after seeing the transaction history that has that fee included. They were also claiming that the rest of the payment was for APR. I was also the co signer but the main owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: IL

Complaint narrative:
I am submitting a complaint regarding a deferred interest charge applied to my Synchrony Bank credit card received through Mattress Firm. I entered into a promotional financing offer through a Mattress Firm store that was presented as a 0 % interest promotion. However, it was not clearly disclosed to me that this was a deferred interest promotion in which interest would be applied retroactively to the full original balance if not paid in full within the promotional period. The original purchase amount was {$1300.00}. Based on the structure of the promotion, I would have needed to make significantly higher monthly payments to avoid interest, which was not clearly communicated to me at the time. I made consistent payments of {$50.00} per month in good faith ( while the minimum payment was approximately {$30.00} per month ), believing I was complying with the terms of a 0 % interest promotion. At no point was it made clear that these payments would be insufficient to avoid a retroactive interest charge or that I needed to meet a specific payoff deadline to avoid substantial penalties. I was subsequently charged deferred interest on the full original balance, which was unexpected and not clearly explained in a transparent or understandable manner at the time of the transaction. As of XX/XX/XXXX my account balance was {$160.00}, on XX/XX/XXXX then deferred interest was charged to me in the balance of {$680.00} ( XXXX % APR ). I am attaching screenshot from my Synchrony online account showing the total interest charged year-to-date is {$730.00} on this balance. I maintain an excellent credit history and have never missed payments across my accounts with other financial institutions. I take my financial responsibilities seriously, and this situation was an unexpected outcome that I would have avoided had the terms been clearly disclosed. When I contacted customer service on XX/XX/XXXX, I was informed that Synchrony Bank is not responsible for what was communicated by Mattress Firm employees and that it was my responsibility to review the terms independently on my statements. This response is concerning, as I relied on the information presented at the time of purchase. The deferred interest terms were not explained in a way that would allow a reasonable consumer to understand the financial consequences. Placing the full responsibility on the consumer after the fact does not reflect transparent or fair disclosure practices. I believe these promotional terms were not clearly or adequately disclosed and may be misleading to consumers. Thank you for your time and consideration.

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 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am filing a complaint against National Credit Systems for inaccurate credit reporting and failure to validate a debt. On XX/XX/year>, I sent a certified debt validation request. The company has failed to provide any validation, yet continues to report this account on my credit report. Additionally, this account is being reported inaccurately. National Credit Systems is listed as the original creditor, which is incorrect, as they are a third-party debt collector. This is misleading and a violation of the Fair Credit Reporting Act. Because this debt has not been properly validated and is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
I paid for XXXX braces using my flexible spending account in XX/XX/year>. I was accidentally charged 2x for an impression kit on my XXXX card. I disputed this with XXXX XXXX. They incidentally reversed the charges on my flexible spending account. I didnt know this until late XX/XX/year>. When I reached out to XXXX XXXX to correct the situation, I learned they had gone out of business. This was problematic because I had to use those funds before the end of the year. All of their phone lines referred clients to a local dentist for follow-up. Nearly a year later, I received notifications from their finance company attempting to collect the debt. I provided documentation, dates etc, but they continued trying to collect and ultimately put this transaction on my credit report. Since part of the price agreed upon was for a service they could no longer provide, I didnt feel comfortable using the aligners. I wish to return them, but I was not offered this option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAROLINA FINANCE, LLC
State: MD

Complaint narrative:
I have made multiple attempts to contact the company regarding an account reported on my credit report under the name Carolina Finance in the approximate amount of {$3400.00}. These efforts included numerous phone calls and emails ; however, all calls have gone unanswered and email correspondence has been returned as undeliverable. Additionally, the companys website appears to be inactive. Due to my inability to establish contact through phone, email, or online channels, I sent a certified letter requesting validation of the debt. At this time, I am requesting that all future communication be conducted in writing. Until proper validation is provided, I respectfully request that this account be marked as disputed with all credit reporting agencies. And hopefully removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: OH

Complaint narrative:
My accounts were suspended in XX/XX/year>, I had set up my income from my new job to be deposited into this account prior to this. I have called and emailed multiple times getting many different answers from XXXX to XXXX business days up to XXXX days. I have asked multiple times to get my funds out of the account to my secondary account and they have denied that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I attended XXXX XXXX XXXX in XXXX, XXXX, which has been subject to federal enforcement action by the Consumer Financial Protection Bureau for deceptive practices, including misleading students about job placement and career outcomes. I submitted a XXXX XXXXXXXX XXXX XXXX application to the U.S. Department of Education and it has remained in In Review status for an extended period without a decision or meaningful update. Despite the pending XXXX XXXX application related to school misconduct, my federal student loans have now entered default. This has caused significant financial harm, including damage to my credit and risk of collection actions, while my case is still unresolved. I requested an update on the status and review/decision of my XXXX XXXX application . No resolution, timeline, or substantive information has been provided. I am requesting expedited review of my XXXX XXXX application and administrative relief, including suspension of collections and correction of my loan status while my claim is pending.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Credit Collection Services. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that Credit Collection Services currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to [ Collection Company Name ]. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all XXXX items requested in the attached letter are addressed completely and directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: MD

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 2026-04-14 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: AL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
l called XX/XX/year> for an extension to the back of the loan, it was not processed and they are requesting large payments in order to process extensions, they are difficult to speak with a there is is language barrier

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 2026-04-14 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: VA

Complaint narrative:
I proved my unauthorized transactions were carried out by my son and was still denied from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as NATLCRSYS - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that NATLCRSYS has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding how Capital One handled my credit card dispute for a {$480.00} charge from XXXX XXXX on XX/XX/year>. The product was presented in-store at approximately {$600.00}, while it was represented online at a significantly higher price of approximately {$1500.00}. During the sales interaction, the price was framed as being reduced from this higher value, and I was ultimately charged {$480.00} as a special deal. This created a misleading perception of value and urgency that influenced my decision to purchase. Additionally, during the sales interaction, I was told that the product would not be applied to my other eye unless I completed the purchase, which created pressure to proceed with the transaction under uncomfortable and uneven circumstances. After the purchase, I discovered that the product was defective and did not function as intended. I also learned of a no-refund policy that was not disclosed to me prior to completing the transaction and only appeared on the receipt after payment. On XX/XX/year>, I attempted to resolve the issue directly with the merchant by calling the phone number provided within the Capital One app associated with the transaction. The merchant was uncooperative and did not allow me to address the issue. I filed a dispute with Capital One on XX/XX/year>. After the merchant provided documentation, my dispute was denied. I then submitted additional documentation on XX/XX/year>, including photos of the defective product and a copy of the receipt. I was given the opportunity to provide further information, and I submitted a written explanation along with supporting evidence, including a screenshot documenting my attempt to contact the merchant by phone. Despite this, my dispute was denied again on XX/XX/year>. Based on the facts of this situation, this matter involves defective merchandise, undisclosed terms, and misleading pricing practices. I believe the dispute was not properly evaluated under applicable protections related to misrepresentation and defective goods. I am requesting that Capital One conduct a thorough review of my dispute, including all submitted documentation, and reconsider the outcome. The case number is XXXX

Company response to consumer: Closed with explanation