vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
Complaint Against Lockhart , Morris & Montgomery , Inc . I am filing this complaint against Lockhart , Morris & Montgomery , Inc. for reporting an inaccurate and unverified debt on my credit report, allegedly from XXXX XXXX. I never received any prior notice, letter, or written communication regarding this alleged debt. My first awareness of this account was when I received an unexpected phone call from this company. This is a violation of my rights, as I was not provided proper written notice or validation of the debt as required by law. This account does not belong to me, and I have not entered into any agreement or contract with XXXX XXXX that would justify this reporting. Despite this, the company continues to report the account as verified without providing any supporting documentation. Under the Fair Debt Collection Practices Act ( FDCPA ), I am required to receive a written validation notice within 5 days of initial contact. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verified through a reasonable investigation. Lockhart , Morris & Montgomery has failed to meet these obligations. They have not provided : - Any written notice of the debt - A signed contract or agreement - Proof that I owe this alleged debt - Documentation showing their authority to collect Continuing to report and verify this account without providing proper validation is damaging my credit and constitutes inaccurate reporting and negligent or willful noncompliance with federal law. I am demanding the following : 1. Immediate deletion of this account from all credit reporting agencies 2. A full explanation of how this debt was verified 3. Copies of all documents used in their investigation 4. Written confirmation that this account will no longer be reported This complaint also serves as notice that I dispute this debt in its entirety. If this issue is not resolved, I am prepared to pursue further legal action for violations of my rights. This is my final attempt to resolve this matter through the CFPB before escalating further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: MO

Complaint narrative:
I am writing to formally dispute a collection account listed on my credit report. Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$2700.00} Account Status : Collection / Derogatory Date Opened : XX/XX/year> I am requesting a full investigation of this account, as I have reason to believe this information is inaccurate, incomplete, or unverifiable. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), you are required to verify that this debt is accurate and that all reported information is correct. At this time, I am requesting the following : 1. Verification of the original signed agreement bearing my signature 2. Full payment history and breakdown of the amount claimed 3. Proof that this collection agency is authorized to collect on this account 4. Validation that the account information being reported is complete and accurate

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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: PA

Complaint narrative:
XXXX phone calls placed since XX/XX/year>. All XXXX calls are spoofed local numbers for Pennsylvania XXXX XXXX XXXX a debt collector based in California Under the Truth in Calling, Fair Debt Collection and Telephone Consumer Protection Acts, debt collectors are NOT allowed to " spoof '' a local number or otherwise defraud or confuse a consumer in the collection of a debt. And violations under statutes allow for {$500.00} to {$1500.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a paypal account that was opened XX/XX/XXXX. Sometime around XXXX of XXXX I saw a suspicious charge pending in my PP account. It was on a Sunday morning and I immediately called PP. They told me they closed that account to prevent any more activity. My credit limit was {$750.00}. I had a balance at that time and they moved that balance to a brand new PP account. I dont remember what my balance was but maybe around {$300.00}? So I used a new email account and we rocked on. Then sometime in XXXX I got a notice that I owed {$9300.00} + on the old PP account. The person who committed this fraud was able to bump my credit limit up to {$3000.00}, then to {$6000.00}, and then to {$9000.00} without me ever receiving any type of notification. All the charges made werXXXX XXXX XXXX XXXX I didnt even have XXXX XXXX XXXX XXXXcount. After I received the letter I call PP. They did not have my correct social security number or name on the account. So long story short they credited my account the fraud charges or so I thought. They added my social security number and correct address. Then I rock along thinking everything is ok and I check my credit report and there is PP saying I owe {$3500.00}. Since then in XX/XX/XXXX I have found with PP now Synchrony. I went through a lot to get them to listen to me. And twice since XXXX I think we finally got everything resolved. I have spent much time with PP trying to get them to understand the account was closed due to fraud and how they let someone keep raising my credit limit up to {$90000.00} and charging is beyond my comprehension. I have wasted so much time on the phone being placed on hold and transferred to someone else and telling my story over and over and thinking they got it now. I told them all the charges were fraudulent. On XX/XX/XXXX I go to check why my XXXX XXXX was lowered. And XXXX there is PP again saying they wrote off {$3500.00} on my credit report. I called XXXX and they advised me to file a police report and submit it to them So here is my story. I am a widow on a fixed income and I have fraud charges committed against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
We opened a joint XXXX XX/XX/XXXX under joint ownership of XXXXXXXX XXXX XXXXXXXX XXXX. Brother in law set up account via internet. Account ending XXXX, around {$170000.00}. XX/XX/XXXX XXXX closed and funds sent to new savings account still at Citizens Access, New account ending XXXX. My name left off in clerical error and was never able to readd as joint owner. on XX/XX/XXXX husband and I called bank, closed old saving ( XXXX ), moved funds to new account as joint owners ( Account ending XXXX ) in the amount of {$210000.00}. At this time we instructed bank to remove any and all communications with his brother who set up our original CD. However, against our instruction bank still sent a bank closer email notification for account XXXX to my brother in law, who was unaware we had closed this account, causing him to call and report possible fraud. Once we notified him that it was us who closed the account to open a new savings account, he called the bank back and dropped fraud alert. unfortunately, the bank now refused to talk with him as well. We now have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I can not access bank to get our money to pay for care. I explained this to the bank via customer service., and they said sorry accounts under review and we can't help. It has been frozen for 30 days as of today, an unreasonable closure time with bank 's refusal to communicated even after dozens of attempts by us to talk with the bank. They will not even tell us how long this freeze will last, or why it was initiated. When I asked for their legal department, I was told they did not have a legal department, which was not true as I was finally able to call back and leave an urgent detailed message for them via customer service. XXXX calls were promised withing XXXX working day ; however, I never received any return calls. I have all our account statements and their documentation verifying our joint ownership, and although the bank verbal acknowledges our joint ownership, they refuse to speak to us. My husband has a potential transfer date to long-term medical care ; however, he will not be able to receive the medical care he needs. We are both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe is a XXXX XXXX XXXX XXXX receiving Social Security XXXX. The bank 's refusal is causing a medical emergency for my husband due to their unreasonable freeze duration of our savings as well as their refusal to communicate. I am also the financial power of attorney for my husband, but even after I relayed this information to the bank they still refused to talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
This morning I received an email from advantage. But it seems that it was a scam. I entered my social security, and now the scammers have it. I was told to come to this address to file a complaint. Please tell me what to do next

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I disputed unauthorized transactions and my account was closed. I had over {$2000.00} of MY own money left in that account. They refuse to send me a paper check after being told that the additional external account had been closed. They are extremely rude, unprofessional and unethical. They told me i would get my funds within 72 hours and then turned around and said 7-14 days after they were advised I needed MY funds to pay my bills. By them doing this it has caused financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: CO

Complaint narrative:
I have a checking and savings account with Dave banking. I tried to take the {$2200.00} that is in my savings account and move it to my checking account and they are refusing to let me. They are stating that I have reached some monthly maximum times to withdraw from this account, apparently there is a 6 time withdrawal limit per month. I was never informed of this until today. I have contacted them for 2 days and they refuse to help me. This is my money. Its for my rent that is due today to avoid being evicted. Yesterday when my check was direct deposited, I went to move the money from my savings to checking but instead it moved the money from checking into savings and they are refusing to move it. I have included a photo of my balance and one of the chats that I had with company. I actually chatted with 6 different agents with the exact same result. I have called 10 times with same result asked for supervisor and have been told Ill receive a call back within 24 hrs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: World Acceptance Corporation
State: MO

Complaint narrative:
They use other peoples phone numbers and work names to call me while im working it say its one of the people on my contact list and its not its the place i have a loan with. They call me all the time using people on my contact list its gets me in trouble at work we are only supposed answer people we work with at work but they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
* * Subject : Formal Debt Validation Demand & Notice of Dispute * * To Whom It May Concern, I am writing in response to the account listed on my credit report under the name * * Contract Callers * *, account number ending in * * XXXX * *, with a reported balance of * * {$690.00} * *. This letter serves as a * * formal and aggressive demand for validation * * of this alleged debt pursuant to my rights under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, and the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 * *. I dispute this account in its entirety and demand that you provide * * competent, documented evidence * * that I have a legal obligation to pay this debt. You are required to provide the following : 1. * * Full validation of the debt * *, including : * The original creditors name and address * The date the debt was incurred * A complete payment history from inception 2. * * Proof of your authority to collect * *, including : * A signed agreement between your company and the original creditor * Documentation showing you have legal assignment or ownership of this debt 3. * * A copy of the original signed contract or agreement * * bearing my signature 4. * * Verification of the amount claimed * *, including : * Itemized breakdown of fees, interest, and charges 5. * * Proof of compliance with all applicable state and federal laws * *, including licensing to collect in my state Until you provide proper validation, you must : * * * Cease all collection activity immediately * * * * * Cease reporting this account to any credit reporting agency * * If this account is currently being reported, you are knowingly furnishing * * inaccurate and unverified information * *, which is a violation of the FCRA. Legal Notice Be advised : * Failure to provide adequate validation within * * 30 days * * will result in immediate escalation of this matter. * I will file complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, my State Attorney General, and pursue legal remedies if necessary. * Continued reporting of unverified information constitutes * * willful noncompliance * *, and I reserve the right to seek damages. If you can not provide the requested documentation, you must : * * * Immediately delete this account from all credit reporting agencies * * * Provide written confirmation of deletion This is not a refusal to pay, but a notice that your claim is * * disputed and must be validated * *. Any attempt to collect without validation will be documented as a violation of federal law. I expect your full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GF SunStrong Management Holdings, LLC
State: TX

Complaint narrative:
Refernce Sunnova/ Sunstrong Management XXXX To Whom It May Concern, I am writing to formally dispute my solar installation agreement entered into in XX/XX/year> with Sunnova and now serviced by SunStrong Management . This dispute is based on material misrepresentation, deceptive sales practices, and failure to disclose key financial terms at the time of signing. At the time of sale, your representative made the following claims which directly influenced my decision to sign the contract : I was told I would receive a {$7500.00} federal rebate. This was presented as a guaranteed payment. I have since learned this refers to the Federal Solar Investment Tax Credit, which is not a rebate and is not guaranteed in the manner it was described. I was told I would receive a {$2500.00} rebate from XXXX XXXX. I independently contacted XXXX XXXX and received written confirmation that no such rebate exists and that they were never part of such an incentive program. This representation was false. I was not clearly informed that my monthly payments would significantly increase after approximately 1618 months if the alleged tax credit was not applied. This critical financial term was either not disclosed or was misrepresented. Additionally, I experienced high-pressure sales tactics that pushed me into signing the agreement under misleading assumptions about financial benefits and incentives. Since the contract execution, I have made multiple attempts to resolve these issues directly with your companies. These efforts have been unsuccessful. Furthermore, I am now receiving repeated and unwanted phone calls, which I consider harassing. Based on the above, I assert that this contract was entered into under false and misleading representations, and may constitute violations of applicable consumer protection laws, including the Texas Deceptive Trade Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
This complaint concerns an unauthorized withdrawal and repeated attempted withdrawal associated with a personal loan originated by BHG Financial and XXXX XXXX and serviced through XXXX XXXX My authorized monthly payment is approximately {$3700.00}. However, an unauthorized withdrawal of approximately {$37000.00} was processed without my consent. The institution acknowledged the withdrawal was an error and reversed the funds, but then attempted a second unauthorized withdrawal of the same amount after acknowledging the first error. As a result, my account went negative, transactions were returned, and my financial stability was disrupted. During this period, I was in the underwriting process for business financing required to execute a contract valued at approximately XXXX XXXX. Due to the financial instability caused by this incident, the financing was denied, resulting in documented business loss. Although the initial withdrawal was reversed, the consequences of the error were not addressed. The institution has since responded stating that the error was promptly corrected and has declined to address the resulting damages. This conduct constitutes violations of the Electronic Fund Transfer Act ( EFTA ), Regulation E, and unfair and deceptive practices under the Consumer Financial Protection Act ( UDAAP ). I am seeking resolution that addresses the full scope of harm caused, including financial loss, credit impact, and business damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX had a one page ad. for their planned XXXX everyday since last year. It says the money earns 7 % APR until XXXX. So I put in {$5000.00} for one share on XX/XX/XXXX. It was received by XXXX. And on XX/XX/XXXX I cashed out, and got {$5000.00} from XXXX XXXX. They had my money for 129 days and did not pay any interest. So they owe me an interest of {$120.00}. XXXX XXXX is a convoluted web of fraud. No one is responsible for anything. Its a fraud operation. Your Investment in XXXX XXXXXXXX XXXX XXXX XXXX. Your Payment Has Been Received Hi XXXX, Your payment of {$5000.00} for your investment has been received by XXXX XXXX XXXX XXXX XXXX and processed successfully. Your investment is now funded! Please log into your XXXX account to check for any pending actions related to your investment. Log into your XXXX XXXX by visiting XXXX or by clicking the button below. View Your XXXX XXXX Best regards, The XXXX XXXX XXXX YourAccount| XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX is using XXXX, a secure online collaboration tool for creating, sharing, participating in, and closing financings. XXXX will securely and conveniently retain information pertaining to transactions closed on our platform, which you can review at any time by logging in. Confidentiality. The contents of this email and accompanying material are intended for the exclusive use of the party to whom it is addressed, and may contain information that is privileged, confidential and subject to copyright. If you are not the addressee please do not copy, act on, or distribute this email. If you have received this email in error, please inform us immediately and delete all material pertaining to this email. The unauthorized use of this email may result in liability for breach of confidentiality privilege or copyright abuse. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX United States

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I made consistent, on-time minimum payments via autopay on a Lowe 's credit card with a promotional 0 % APR offer. By XX/XX/XXXX, I had paid the balance down to $ XXXX reducing the debt. On XX/XX/XXXX, my account was suddenly hit with {$970.00} in retroactive interest charges, bringing my balance back up to XXXX XXXXessentially erasing over a year of payments and returning me to nearly my original balance. While a promotional expiration notice appeared buried in my XX/XX/XXXX statement, it was vague and did not clearly explain that failure to pay the full balance by XX/XX/XXXX would result in retroactive interest dating back to the original purchase date. As someone making regular on-time minimum payments via autopay, I had no reason to expect retroactive interest would be applied. This is a predatory deferred interest practice designed to trap consumers who forget promotional terms ( which Synchrony relies on ) by making regular payments in good faith, then retroactively erasing over a year of payment progress with a single interest charge. The notification strategyburying critical terms in statements consumers on autopay don't reviewis deliberately deceptive.

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 2026-04-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Reporting for unauthorized fraudulent accounts appears on my credit report

Company response to consumer: Closed with explanation