vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am responding to your communication regarding the above referenced account. This letter serves as a formal request for validation of the alleged debt pursuant. XXXX. The name and address of the original creditor. XXXX. The full amount of the alleged debt. XXXX. Copies of any agreement or contract. XXXX. Proof that you are legally authorized to collect this debt. XXXX. Documentation showing you own or have been assigned this debt. Be advised that until you provide the requested validation, you must cease collection. Failure to comply with this request may constitute a violation of XXXX law. I request all future communications to be made in writing. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX Account ending in XXXX Balance : {$3600.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX : Formal Dispute and Demand for ValidationAccount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account reported by your company, XXXX XXXX XXXX XXXX XXXX XXXX This account is alleged to be related to a residential lease with XXXX XXXX XXXX XXXX. I dispute this account in its entirety due to lack of proper validation, incomplete documentation, and potential inaccuracies in reporting. FORMAL DISPUTE UNDER FCRA Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting a full reinvestigation of this account. Additionally, under FCRA 1681e ( b ), all information reported must be accurate and verifiable. Under FCRA 623 ( b ), you are required to conduct a reasonable investigation upon receipt of this dispute. DEBT VALIDATION DEMAND ( FDCPA 809 ) Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt. Please provide the following : A complete copy of the original signed lease agreement A full itemized statement of all charges, including rent, fees, damages, and any additional costs A detailed payment ledger showing all payments made and how the balance of {$3600.00} was calculated Documentation showing how any security deposit was applied Proof that I am legally responsible for the claimed amount Documentation authorizing your company to collect on this account A complete chain of assignment from XXXX XXXX XXXX XXXX to your company METHOD OF VERIFICATION REQUEST Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), please provide a detailed description of your method of verification, including : The name of the individual or system used The date and manner of verification The specific records reviewed NOTICE OF DEFICIENCIES Be advised that rental collection accounts frequently lack sufficient documentation to meet federal reporting standards. Any failure to provide the requested documentation constitutes incomplete validation. Reporting unverified or inaccurate information is a violation of FCRA 1681e ( b ), and continued collection activity without proper validation may violate FDCPA 807 and 809. DEMAND FOR ACTION If you are unable to fully validate this account with the requested documentation, you are required to : Immediately DELETE this account from all consumer reporting agencies, including XXXX XXXX, and XXXX INTENT TO ESCALATE Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and may include legal action for willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
RE : Bread XXXX XXXX XXXX XXXX XXXX I received a denial for unclear reasons on numerous occasions. It appears that it was due to a purported inability in verifying identity. The adverse action letter vaguely states, " Unable to verify identity '', however, the lender does not specify any details or allow a way to reconsider the decision. The XXXX just directed me to wait 30 days and then reapply. I did so multiple times with the exact same outcome. In fact, I even submitted a notarized statement of identity - all to no avail! Federal law requires that consumers have a right to fair and transparent lending practices. I request that the lender provide me with a fair and transparent opportunity to apply for its lending products. I am happy to provide a copy of my government-issued ID card and other documents that should satisfy lending requirements. Otherwise, the lender 's failure to provide explanation or an avenue for reconsideration of my application by allowing me to verify my identity unlawfully deprives me of the ability to utilize consumer credit, which is in violation of relevant state and federal laws. * * THE LENDER ALSO PULLED MY CREDIT REPORT WHICH SHOWS ON MY CREDIT AS A HARD PULL EVEN THOUGH IT WAS SUPPOSED TO BE A PREQUALIFICATION SOFT PULL. * * Please have the lender immediately process my credit application and issue the card I was already prequalified for!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/XXXX, I purchased a mattress from XXXX XXXX and opened a Synchrony Bank retail credit card to finance approximately {$5000.00}. At the time of purchase, the salesperson informed me that I could make minimum payments of approximately {$250.00} per month over five years with no interest. Based on this representation, I proceeded with the financing. I was not clearly informed that the financing was subject to a 12-month deferred interest promotion that would expire if the balance was not paid in full within that period. I did not receive any direct communication ( email or otherwise ) clearly notifying me of a promotional expiration date or warning that retroactive interest would be applied. In XX/XX/XXXX, when I attempted to review and pay off the balance, I discovered that approximately {$2500.00} in interest had been added in XX/XX/XXXX. I was unaware that the promotion had ended or that deferred interest would be applied retroactively. I have excellent credit, no revolving credit card debt, and the financial ability to pay off the balance. However, I believe the terms were not adequately disclosed and were misleading at the time of purchase. I am requesting that the retroactive interest charge be removed, as I was not clearly informed that the interest-free period would expire after 12 months or that accrued interest would be added retroactively.

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 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Someone stole my phone .. sent money out of my account unauthorized and my noney is gone! I just want my money back plz. I will prosecute this person!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Need to file a XXXX Procedures for resolving errors on XX/XX/XXXX at XXXX I went to a PNC BANK ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made a withdrawal of {$400.00} and the machine never dispensed my cash but it did remove the money from my bank account. The money was deducted from my bank account but never given to me by the ATM

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been a Bank of America customer since XXXX. From XX/XX/XXXX through XX/XX/XXXX I received consistent monthly autopay confirmation emails confirming my enrollment was active. I have documentation of these emails. In XX/XX/XXXX these emails stopped. I received no notification from Bank of America that my autopay was canceled or that any action was required on my part. On XX/XX/XXXX a 30 day late payment was reported on my credit report. I did not miss this payment intentionally. I had autopay active and was receiving confirmation of this every month for over three years. I was never told it ended. I contacted Bank of America immediately upon discovering this and spoke with a supervisor. I was told this could not be removed under their goodwill policy. However I am not requesting goodwill. I am disputing a late payment that resulted from an account change I was never made aware of and never authorized. I have over a decade of history with Bank of America and documented proof of active autopay enrollment spanning three years. I am requesting removal of the XX/XX/XXXX late payment from my credit report as it does not accurately reflect my payment behavior given the circumstances.

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 2026-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Denefits LLC
State: CO

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a training services company that is attempting to enforce payment obligations and requesting private medical information despite my documented medical incapacity. Additionally, the live event associated with this agreement has not yet occurred. After entering into the agreement, I suffered a serious and unforeseen medical eventa strokewhich has significantly impacted my health, income, and ability to participate in the upcoming live training or related services. Due to this medical emergency, I formally requested cancellation of the agreement and termination of any remaining financial obligations. Despite the event not yet taking place and my documented medical hardship, the company has requested that I provide sensitive private medical information, including prescription details, in order to " strengthen my case '' and be considered for an exception. I am willing to provide limited documentation verifying my medical incapacity, such as a doctors note confirming my inability to participate. However, I am not comfortable sharing detailed private medical information such as prescription records, as I believe this exceeds what is reasonably necessary and violates my reasonable expectation of privacy. I am concerned that this company is : Attempting to collect payment for services not yet rendered Requesting sensitive medical prescription information beyond what is reasonably necessary Refusing to reasonably accommodate legitimate medical hardship and incapacity Potentially engaging in unfair or coercive collection practices I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in ensuring that : My agreement is canceled due to medical incapacity Any remaining balance is terminated Automatic payments are stopped The company ceases requesting private medical prescription information I am prepared to provide appropriate documentation confirming medical incapacity if necessary. Thank you for your assistance in protecting consumers facing legitimate medical hardship and ensuring fair treatment. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: KEYCORP
State: AZ

Complaint narrative:
RE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I received a denial for unclear reasons on numerous occasions. It appears that it was due to a purported inability in verifying identity. The adverse action letter vaguely states, " Unable to verify identity '', however, the lender does not specify any details or allow a way to reconsider the decision. The XXXX just directed me to wait 30 days and then reapply. I did so multiple times with the exact same outcome. In fact, I even submitted a notarized statement of identity - all to no avail! Federal law requires that consumers have a right to fair and transparent lending practices. I request that the lender provide me with a fair and transparent opportunity to apply for its lending products. I am happy to provide a copy of my government-issued ID card and other documents that should satisfy lending requirements. Otherwise, the lender 's failure to provide explanation or an avenue for reconsideration of my application by allowing me to verify my identity unlawfully deprives me of the ability to utilize consumer credit, which is in violation of relevant state and federal laws. * * THE LENDER ALSO PULLED MY CREDIT REPORT WHICH SHOWS ON MY CREDIT AS A HARD PULL EVEN THOUGH IT WAS SUPPOSED TO BE A PREQUALIFICATION SOFT PULL. * * Please have the lender immediately process my credit application and issue the card I was already prequalified for!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX has been contacting me since XX/XX/year> for the orginal creditor XXXX on my credit report it shows XXXX different amounts for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: CA

Complaint narrative:
am filing this complaint regarding the improper restriction and freezing of my XXXX XXXX account, which receives federal benefit payments. My account was suddenly frozen and/or restricted without adequate notice, explanation, or a meaningful opportunity to resolve the issue. As a result, I have been denied access to funds that I rely on for basic living expenses. Despite repeated attempts to resolve this matter through XXXX XXXX customer service, I have encountered inconsistent information, lack of accountability, and no timely resolution. Representatives have either been unable or unwilling to clearly explain the basis for the restriction or provide a defined process for restoring access to my funds. This situation reflects more than an isolated issue. It appears to be a systemic failure in account management, customer communication, and dispute resolution within the XXXX XXXX program. The lack of transparency and failure to provide access to federally disbursed funds raises serious concerns regarding compliance with consumer protection laws and federal banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was served a summons and complaint and this is how I was notified of this debt. I attempted to call several times and could not get through to them. On XX/XX/year> my daughter called on my behalf to speak with the representatives to try and handle the situation or see if we could settle. We spoke to XXXX XXXX and XXXX the XXXX XXXX XXXX. We attempted to settle the account but they would not accept nor consider our offers. We advised them of extreme hardships I underwent and that I did not have funds nor was I aware of the debt. I advised them I never received the notice of collections/debt, nor validation, nor notice of them buying the debt. I requested the validation, the original notice they claimed they sent, and the chain of assignment. I notified them of my dispute and also advised them that neither of the representatives/debt collector gave me the mini XXXX required under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported unauthorized debit card transactions to Bank of America on XX/XX/year> related to purchases made through my XXXX account. The bank issued a partial reimbursement but denied {$900.00}, claiming the transactions were authorized. I submitted a formal appeal with additional evidence. However, the banks final denial letter was dated before my appeal was received, indicating my appeal was not reviewed and no additional investigation was conducted. I then sent a written demand giving the bank ten business days to correct the error and return the funds. They did not respond and have not returned the remaining money. Under Regulation E, the bank is required to conduct a reasonable investigation and consider evidence submitted. This did not occur. The fraudulent purchases were shipped to my home without my knowledge, creating financial harm and safety concerns. I am requesting immediate recredit of {$900.00} and documentation of the investigation conducted.

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 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was charged more than 100 % interest my credit card from synchrony bank. I purchased furniture in XX/XX/year> for my new home from XXXX XXXX. At that time XXXX XXXX mentioned that there is a promotional offer for 24 months 0 % interest on a synchrony bank credit card. But they never mentioned anything about deferred interest. My statement balance as of XXXX XXXX, was {$4300.00}. All of a sudden without any intimation Synchrony bank charged {$5300.00} interest on {$4300.00} as of XXXX XXXX statement. I am confused and hurt that this is more than 100 % interest on the amount I had to pay. The original cost of the furniture is around {$10000.00}. I already paid so much every month without defaulting and now again I m charged with {$5300.00} interest. I really need help as I can not pay that interest.

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 2026-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
A XXXX account opened in someone elses name, DOB, address and phone number but using my social was sent to collection. Caused my credit to drop XXXX points. I disputed with both XXXX and the collection agency and they will not assist. Ive provided all the documents requested to prove my identity and they will not accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Deliquent dates are inaccurate, i called them by phone,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Torriere Holdings INC
State: FL

Complaint narrative:
I spoke to a representative for XXXX XXXX at XXXX and reached an agreement of repayment, XXXX XXXXXXXX XXXX months. A contract was emailed to me on XXXX outlining the repaying terms for {$140.00} per pay-cycle therefore raising my payments to {$280.00} per month for XXXX months. I emailed a request for revision of the terms on XXXX and the company refused to make the correction. I am wanting to pay off my debt but the company is pressuring me into paying more than I can afford.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a savings account with Oportun, but I closed the external checking account linked to it. As a result, Oportun closed my savings account and informed me that they would mail me a check for {$2300.00}. They issued me ticket # XXXX regarding this matter. The last communication I received from them was on XX/XX/year>. Since then, I have called numerous times and sent many emails, but I have not received any response. I frequently attempt to contact them by phone, but I'm always told that someone from the relevant department will call me back, which never happens, or I am instructed to email them. Unfortunately, my emails also go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/year> XXXX unknown transactions from my chime account XXXX for XXXX and XXXX for XXXX chime they tryed tell they could give me my money back which I did go an sent any one from mi no XXXX dollars so I would need my money back because I did not do it

Company response to consumer: Closed with explanation