vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I am filing a complaint against Synchrony Bank for failure to provide any meaningful hardship assistance to a customer with a documented XXXX XXXXXXXX. I have a XXXX XXXX XXXX ( XXXX ) and am currently unable to work both physically and legally. I contacted Synchrony Bank twice, speaking with two different customer service representatives, to request enrollment in a hardship program that would pause or stop interest accrual while I am medically unable to generate income. In both calls, I was told that no hardship options were available to me unless I was able to continue making payments. This is not a viable option I have no income due to my XXXX and can not make payments at this time. No alternative programs, deferrals, medical hardship accommodations, or interest pauses were offered or explained to me. As a result, interest continues to accumulate on my account during a period when I am medically incapacitated and legally prohibited from working. This is causing significant financial harm and added stress during an already serious medical situation.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
on XX/XX/year> at XXXXXXXX XXXX made a cash deposit of XXXX at Navy Federal Credit Union XXXX XXXX XXXX, XXXX NC XXXX after deposit started machine send a receipt error " We encountered a problem returning your cash '' Call your financial institution... On XX/XX/year> at XXXX XXXX called Navy Federal Customer service and was transferred to the Fraud Department, spoke to a customer service rep. she did a claim report, was rude, Ask to speak to a supervisor. XXXX answered was rude and informed me to not use Navy Federal ATMs and to visit Navy Federal during regular business hours. Ask to speak to higher up she refused and told me to call back.... When I called back was helped by another department and then transferred back to another supervisor which was more courteous. The ATMs ( 2 ) are constantly out of order for the past two years and the Branch Manager and staff say they have other ATMs 7 miles away and one 38 miles away that is working. Navy Federal owns these two ATMs and if unfunctional or took my money in this case, I should not have to wait 5-7 business days waiting on my funds to be collected from a broken ATM which is at the Navy Federal Bank itself and these 2 ATM continue to break down on a daily basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NE

Complaint narrative:
I have sent this to you already on XX/XX/year> and it was denied XXXX. I have reopened and it has been denied many times. The money taken in XXXX XXXX was sent to XXXX XXXX XXXX XXXX XXXX. I have called there numerous times and they say USBank has not reached out to them. It is a fraudulate account. # XXXXThat bank says they need to. I DID not do this. I believe US Bank needs to do more. 2 computer companies say it is possible for someone to hack into my computer.I was not home when this happened. It has been since XXXX XXXXDoes not banks have insurance for this to help take care of their customers???????

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 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an envelope from Citi XXXX XXXX XXXX in the mail ( attached ). The date on the letter was XX/XX/year>. It stated " XXXX XXXX '' on the top of the letter. They were unable to continue processing an application at this time to call XXXX and give the XXXX ID and XXXX XXXX. I called on XX/XX/year> around XXXX, making numerous attempts to contact the number on the letter XXXX, each resulting with no opportunity to speak with a representative without giving my social security number ( sensitive personal information ) and or credit card number. I independently searched for alternative contact numbers until I was reach a live representative. I explained in detail that my personal information had been stolen and that I needed to file a formal fraud claim, I was informed that the only action they could do was place a note on the application indicating that it was fraudulent. This response is " unacceptable ''. A matter involving identity theft and fraud requires proper documentation, investigation, and confirmation. This needs to be escalated and a formal fraud case be opened immediately along with written confirmation and steps being taken to resolved it.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - BOUNCE AI - XXXX * * * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: MA

Complaint narrative:
On XXXX XXXX, 2025, I sent a written dispute and demand for validation and documentation concerning loan number XXXX. That correspondence was received more than 30 days ago. Upgrade has failed to respond, failed to validate the alleged debt, and failed to substantiate its legal authority to collect or enforce the loan under Massachusetts or federal law. Upgrade failed to provide, as requested in my XXXX XXXX, 2025 letter : The original signed agreement and disclosures Proof of lawful origination and enforceability in Massachusetts A complete accounting of interest, fees, and charges Confirmation of compliance with M.G.L. c. XXXX71 49 ( d ) and M.G.L. c. 93A the alleged debt is unverified, disputed, and unenforceable. Upgrade continues to try to collect during this dispute. I sent a second letter on XXXX XXXX, 2025 requesting the same. Because the debt has not been validated within the statutory period, I demanded immediate deletion of this account from all consumer reporting agencies, and written confirmation that : The account has been closed The balance is zeroed No further collection or reporting will occur None of the above have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: WI

Complaint narrative:
I am filing this formal complaint against American Honda Finance Corporation ( AHFC ) for a severe, ongoing violation of the Fair Credit Reporting Act ( FCRA ) and a critical failure of their internal data furnishing protocols. I hold an active, open auto loan with AHFC. However, upon reviewing my statutory XXXX credit report, I discovered that AHFC completely ceased reporting my account data after XXXX 2024. In XXXX 2024, AHFC transmitted a null/zero balance to the bureau and then completely abandoned the data feed. Consequently, XXXX erroneously marked this active account as " CLOSED. '' As evidenced by the attached XX/XX/XXXX2026 billing statement, AHFC has continued to successfully collect my {$550.00} monthly payments for the past 17 months, but has completely failed to furnish this positive payment history to the credit bureaus. As an IT professional, I understand that failing to accurately report my account status for over a year is a catastrophic failure of internal controls and data governance. This data failure caused a sudden and severe drop in my credit score. I am actively applying for new employment in the IT sector. Because employers routinely run background and credit checks, AHFC 's suppression of my positive credit history and the resulting score drop is actively jeopardizing my professional livelihood and financial mobility. I contacted AHFC by phone on XXXX XXXX, 2026, to report this data failure. The frontline representative refused to connect me to a manager immediately to resolve the FCRA violation, forcing me to seek federal intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: MD

Complaint narrative:
Capital One - Case # XXXX Hotel Contilia Via Principe XXXX XXXX XXXX XXXX XXXX. XXXX We stayed at the above-mentioned hotel for XXXX nights, XXXX XXXX, XXXX, through XX/XX/year>. When the reservation was made, it was in my name, but my mother 's credit card was used to hold the reservation. During our stay I received 2 emails from the hotel. The first one said that my mothers credit card was invalid, so I gave them another credit card of my mother 's. ( My mother likes to pay for our hotels when we travel. ) Again, I received a second email stating that her credit card was invalid. This time I gave them my credit card. Everything was fine until we got home and got our credit card statements. They charged BOTH my mother and me for our stay. I called Capital One immediately and filed a complaint. Capital One called the hotel the same day but never heard back from them. I was told by Capital One that the hotel had so many days to respond, and if not, then they would rule in my favor. The days were up and Capital One did rule in my favor and credited my credit card. Then, days later the hotel got in touch with Capital One and said that they did not charge both my mother and me, so Capital One charged my card again. I have sent EVERYTHING I have as proof, but Capital One said that I have failed to provide the documentation that they've asked for. They have even said that they can't read the credit card statements because the items were highlighted. I've sent copies of the statements via regular mail and via email. I could read everything just fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
BILT has rolled out a new platform and card now divorced from XXXX XXXX. The rollout has been an absolute disaster. My original credit card, BILT 1.0, had a credit limit of {$13000.00}. Every card holder was required to apply for a new card ( BILT 2.0 ) and their 1.0 would be cancelled. I applied for the lowest tier possible ( due to the foreseeable collapse we are now experiencing ) and received a credit limit of {$500.00}. Today XXXX/XXXX/26, I received an email from BILT saying my payment was processing. I assume this is a carryover as an automatic charge from the 1.0 card, which is * absolutely insane. * Now, there is a pending charge on my {$500.00} credit card that * * was never activated * * for {$3500.00}. I attempted to call the BILT customer service number on my BILT 1.0 card. The woman who answered was a XXXX XXXX employee and transferred me to the new XXXX transfer line. The guy on the phone refused to do anything and asked me multiple times how I got the number I was calling. His only solution was to submit a ticket for a XXXX to email me at their convenience, with no estimate of what that timeframe would be. When I asked to speak to a manager, he told me all managers were busy. So I am left to simply assume this guy submitted the ticket on my behalf, and at some point a XXXX will apparently reach out to me, meanwhile my * * not activated * * card is pending a charge well over its limit. The guy on the phone recommended I reach out via chat on the BILT website. I had already done this, and I have now been waiting for a response for 6 hours. People online are saying they've waited * * FIVE DAYS. * * The request on the BILT website to chat with a customer service agent via text says " please check your phone, we've texted you, '' and of course that does not happen -- the button does nothing. XXXX customer service has completely collapsed and should be pursued for fraud and failure to provide service. They have no staff and no solutions. There is no one to talk to, and you aren't even supposed to have their transfer line number apparently. I am at risk of bottoming my credit score off of a charge that never should have been initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Validation of Debt Request- MIDLAND CREDXXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
This complaint concerns CNACs failure to conduct a reasonable investigation and substantiate the accuracy of a repossession deficiency balance that it continues to report. I previously filed CFPB complaint number XXXX disputing the alleged deficiency balance arising from a voluntary repossession in 2023. In response, CNAC provided a narrative summary stating that notices were sent, the vehicle was sold at auction, and a deficiency balance of {$8800.00} remained. However, CNAC did not provide any of the documentation necessary to verify the accuracy or enforceability of the alleged balance. Specifically, CNAC failed to provide : Copies of any post-repossession notices ( including notice of intent to sell or notice of sale ) Proof of mailing or the address used for such notices Auction or sale documentation showing the date of sale, method of sale, or sale price A deficiency balance worksheet itemizing how the {$8800.00} figure was calculated A complete payment history Documentation establishing that the sale was conducted in a commercially reasonable manner A narrative explanation does not constitute competent documentation sufficient to verify the accuracy of a reported deficiency balance. Without proof of proper notice and a commercially reasonable sale, the alleged deficiency may be unenforceable. Despite failing to provide documentation supporting its reporting, CNAC continues to furnish this account as accurate to consumer reporting agencies. Under the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation of disputed information before verifying its accuracy. Simply restating internal records without producing supporting documentation does not constitute a reasonable investigation. I continue to dispute the accuracy and enforceability of this alleged deficiency balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: MO

Complaint narrative:
Validation of Debt Request - USCB CORPORATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Hello, I was scammed by a person offering services that I never received. I paid thru XXXX using my Bank XXXX portal. I never received the service or product I was promised. I filed a dispute and it was denied within a few days. The first time it was denied, I reached out to member services and they confirmed that the supporting documents I emailed to SoFi wasnt included in the claim. I provided the information through the chat support on the SoFi app. Again my dispute was denied because they found no error, despite me providing over 15 text messages of me being lied to and never receiving what I paid for and also being provided with a fake welcome letter. No additional information was provided. I actually never received the documentation used to determine the out come of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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