vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
This is additional evidence for complaint # XXXX. The evidence regarding the issue with the seller and how they are untrustworthy. I had been told to work with the seller, but based on the evidence from XXXX XXXX and XXXX it shows the merchant does NOT HONOR, return refunds etc. Which again, puts me at risk.

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 — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for engaging in what I believe are unfair, deceptive, and potentially unlawful lending practices. I originally entered into a loan agreement with a stated interest rate of 14 %. At no point was I clearly and conspicuously informed that this rate was temporary or limited to 18 months. This critical term was never disclosed to me in a transparent manner. The agreement was executed via XXXX ; however, I was never provided with a copy of the signed contract, despite multiple requests. This lack of access to the agreement has prevented me from verifying the terms I allegedly agreed to. Subsequently, my account was transferred or sold to XXXX XXXX XXXX. XXXX is now attempting to impose a 35 % interest rate and apply this rate retroactively. As a result, they are demanding approximately {$1900.00} in additional interest charges that were never disclosed, agreed upon, or authorized. The retroactive application of a significantly higher interest rate, combined with the failure to provide the original contract and disclose material loan terms, constitutes a serious lack of transparency and may violate federal consumer protection laws, including prohibitions against unfair, deceptive, or abusive acts or practices ( UDAAP ). Despite my formal requests, XXXX has failed to provide : - A copy of the original signed loan agreement - A clear disclosure of the interest rate terms and any changes - A detailed accounting of how the balance and interest charges were calculated

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 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I am filing a complaint against PayPal regarding an unjustified account limitation and the holding of my funds. My account, which I have used for over 5 years without issue, was suddenly limited without any clear explanation. At the time of the limitation, approximately {$400.00} of my money was in the account. I was not given a specific reason for the restriction, nor was I provided with clear steps to resolve the issue or access my funds. PayPal has informed me that my funds may be held for up to 180 days, which I believe is excessive and unfair given that I have not engaged in any fraudulent or prohibited activity. I have attempted to contact PayPal customer support but have not received a meaningful explanation or resolution. This lack of transparency and access to my own money is causing financial hardship. I am requesting that PayPal : 1. Provide a clear and specific reason for the account limitation 2. Conduct a manual review of my account 3. Release my funds immediately or provide a justified and reasonable timeline I expect a prompt and fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: UT

Complaint narrative:
This complaint concerns a collection account reported by XXXX XXXX XXXX on behalf of XXXX XXXX in XXXX XXXX XXXX, UT. I lived at this property for approximately XXXX months. During this time, management changed after my original lease. Under prior management, lease timelines and expectations were clearly communicated. However, after the management change, there was no communication as the lease approached expirationno notice regarding renewal, termination requirements, or required action. The timing of the lease expiration coincided with a period in which a co-tenant on the lease was awaiting graduate school admission decisions, which directly impacted our housing plans. Due to this uncertainty, we were unable to provide a full XXXX notice. We communicated this situation to the leasing office in good faith and attempted to resolve the matter reasonably. Despite these efforts, no accommodation or reasonable resolution was offered. Instead, we were informed shortly before move-out that we would be charged over {$5000.00} due to the XXXX notice provision. When I contacted the leasing office, I again attempted to resolve the issue and requested an explanation and breakdown of the charges. I was told the amount would be owed in full and sent to collections if unpaid. No itemized breakdown or meaningful explanation was provided. The charges appear to include amounts beyond the lease end date, and there are concerns that the unit may not have been re-rented in a timely manner, which would improperly increase the amount being claimed. This account was subsequently placed with XXXX XXXX XXXX and reported to the credit bureaus without proper validation or substantiation of the debt. I have since disputed this account with the credit reporting agencies and have requested validation directly from the company. The account remains unresolved and continues to be reported despite these disputes. I am disputing the accuracy and validity of this debt, including the amount being claimed and the lack of proper documentation supporting it.

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 is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report. The account I am disputing is listed as follows : Collection Agency : XXXX XXXX XXXX XXXX : {$1300.00} Original Creditor : XXXX XXXX XXXX XXXX I do not recognize this debt and I dispute that it is mine. Please investigate this account and verify its accuracy. If the furnisher can not provide sufficient documentation showing that this account belongs to me and is being reported accurately, I request that it be deleted from my credit report. Please provide me with the results of your investigation and an updated copy of my credit report if any changes are made. I am requesting a full investigation of this matter under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
on XXXX XXXX i tried to transfer money from my savings to my checking. the app stated the there was a technical problem and to try later. so i call customer service and they attempted the transfer and couldnt do it. customer service then check as to why, thats when they advised the there was a hold place the their online monitoring dept. i asked when i could access funds and she couldnt tell me, and that i would be getting a letter explaing why soon. to this date XX/XX/year> i have not received any letter explaing why. ive contacted them several times since and none of the departments could tell me why.i got so frustrated i went to a physical us bank and asked them if they can give me some information as to why my account was on hold. they couldnt provide any answers. so i contacted the customer service XX/XX/year> to file a complaint. cause the what their online website says to do if you have a complaint. i was assured that the compalint was filed and i even spoke with a manager. today i called to check and see what the status of the complaint was, and i was informed the no complaint was on the screeen and the check the escalation dept. i told the rep your online says to file the complaint here thru customer service which ive done now your tell me that no complaint is on file? i asked her for her name again and thats when she hung up. ive read some federal laws on banking and reasons they can place holds and close someones account. i dont see my account being used for fraud, money landering or drug trafficing. i used my account for work and never transfered any amount outside of my account from savings. ive only transfered from my checking to savings and vice versa. i still have my checking account and its active. and even with my checking account ive nervier tranfers any large amounts of money. it was mainly to receive money for construction work that i do and if you check my records the pretty much from the same clients longest job lasting from XXXX to XXXX. so i dont know what else to do. the banks not been honest about this ordeal and the fraud department talks with you like their untouchable with an additude '' oh yeah your accounts diffintely being close but i cant tell you why because its from a different dept so we cant do nothing. oh and were gon na close your checking account too ''. the day after i called to file a complaint my savings account was no longer visable on my app. but they didnt close it. thru the phone it was still active and gave balances. i just couldnt access it the transfere etc..... they didnt close it til XX/XX/year>. for which i still dont know why. i thougth the law stated that i should have been notified within a reasonable time. over 3 weeks and i have yet to be told anything. please advise on what i can do. thank you

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 — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/year>, I initiated a transaction of {$3500.00} through XXXX XXXX XXXX using my debit card. Due to delays in processing, I decided to cancel the transaction the same day and pursue an alternative method. However, the cancellation was not completed in a timely manner. On Monday, XX/XX/year>, the full amount of {$3500.00} was deducted from my bank account despite my cancellation request. I waited for a couple of days to see if the funds would be automatically returned, but no refund was received. On Wednesday, XX/XX/year>, I contacted XXXX XXXX XXXX. They informed me that the funds had already been returned from their side and advised me to follow up with my bank. On Thursday, XX/XX/year>, I contacted Chase and filed a claim regarding the transaction. The claim number is XXXX. I requested that Chase investigate the matter and coordinate with XXXX to recover the funds. Following this, Chase provisionally credited my account for the disputed amount. Subsequently, XXXX XXXX XXXX also processed a refund for the same transaction, resulting in a duplicate credit situation. On Friday, XX/XX/year>, I contacted Chase again and spent a significant amount of time with multiple customer service representatives attempting to explain the situation. I clearly communicated that since XXXX had already returned the funds, I wanted Chase to reverse its provisional credit and withdraw the claim. The representative stated that she would submit a request to withdraw the claim but indicated that the outcome was not guaranteed. She was unable to explain what that meant or what potential outcomes could occur, despite repeated attempts on my part to seek clarification. As of today, this situation has escalated further. XXXX XXXX XXXX has blocked my account and contacted me requesting authorization to charge my card again. I declined this request, as they had already returned the funds and should not be attempting to charge me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
I am disputing a rental collection account in the amount of {$6600.00} that is being reported on my credit reports. On XX/XX/year>, I sent the debt collector a written debt validation request by certified mail. In that letter, I disputed the account and requested validation of the alleged debt, including the name and address of the original creditor and current creditor, an itemized statement of the amount claimed, documentation showing the collectors authority to collect the debt including proof of assignment or transfer, and the date of first delinquency with an explanation of how the balance was calculated. Because USPS tracking showed delay in transit, I also sent duplicate follow-up letters on XX/XX/year>XXXX to additional addresses associated with the debt collector. XXXX certified mail delivery records show deliveries on XX/XX/year>XXXX and XX/XX/year>, and I have retained proof of mailing and delivery. The debt collector later responded by email and attached a PDF with an itemization ledger and lease documents. However, the response did not clearly provide proof that the collection agency owns the debt or documentation clearly showing its authority to collect the debt. The response also did not clearly provide the proof of assignment or transfer that I specifically requested. I believe the company is attempting to collect and report this debt without providing enough information to verify that it is owed to this collector or that this collector has authority to collect it. I also disputed this collection account with the credit bureaus. I want the company to provide complete validation, including clear documentation of ownership or authority to collect, or else stop collection efforts and stop reporting the debt if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
- Attended XXXX XXXX XXXX XXXX while working full time in XXXX XXXX earned an XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX - Attended XXXX XXXX XXXX XXXXXXXX full time XXXX XXXX XXXX XXXX XXXXXXXX named at the time received my XXXX in XXXX - Started repayments in XXXX and Consolidated to pay off All individual loans in full. Navient and currently XXXX placed the then new subsidized and unsubsidized loans in forbearance and I was steered away from XXXX and later the PSLF option. - I received settlement from the XXXX Attorney Generals multi state suit for {$230.00} or so dollars give or take and subsequently from the CFPB settlement of {$1000.00}. - However Navient/XXXX continues XXXX place the loans in forebearance and is still currently reporting debt to All credit agencies of over {$300000.00}. plus XXXX plus when the correction on the XXXX XXXX site shows {$170000.00}. plus XXXX plus. - Thereby even after the penalization of XXXX plus ruining my credit scores with XXXX XXXX XXXX XXXX XXXX XXXX. - Moreover XXXX XXXX XXXX XXXX continue to refuse to correct as Navient / XXXX continues as of this complaint still is reporting as such. - I have exhaustively tried to correct with submissions to All parties and am now retired from public service after XXXX plus years and am a widower and veteran on survivors social security and in XXXX had an XXXX / XXXX implanted on XX/XX/XXXX.

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: Closing your account — Company closed your account
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I had an active dispute on my credit card account related to a transaction under investigation. During this time, my account was initially closed, then reopened in connection with the investigation, and I was informed that documentation was mailed to me regarding an amount owed. However, I never received any such documentation. On XX/XX/year>, I visited a branch in person and paid the full balance of {$1800.00} to bring the account to a {$0.00} balance. Despite resolving the balance, I have now been informed that my account has been completely closed. I am concerned that this account closure may be in retaliation for a complaint I previously filed. Additionally, I believe the credit union failed to follow proper procedures under the Fair Credit Billing Act ( FCBA ), which requires a fair investigation process and proper notification to the consumer.

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: Continental Finance Company, LLC
State: GA

Complaint narrative:
Subject : Dispute of Fraud Investigation and Refusal to Acknowledge Physical Impossibility Company Involved : Continental Finance/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What Happened : I am a victim of identity theft involving 14 unauthorized XXXX transactions totaling {$840.00} between XX/XX/year> and XX/XX/year>. These charges occurred in California while I was physically in Maryland and Georgia. I have maintained physical possession of my credit card at all times. On XX/XX/year>, the bank informed me that their investigation found the charges " valid '' and they intend to reverse my provisional credit on XX/XX/year>. This finding is a physical impossibility. I am in possession of a XXXX XXXX XXXX XXXX ( XX/XX/year> ) and various gas and food receipts from Maryland and Georgia that prove my location was thousands of miles away from the fraudulent activity in California during the dates in question. Furthermore, I do not have a XXXX account associated with this card. The bank is currently refusing to speak with me regarding the appeal and has blocked my access to the online transaction details, making it difficult for me to provide the specific merchant IDs to law enforcement. I am in the process of filing a police report and will provide the report as soon as it is made available to me.

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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Beginning approximately in XX/XX/year>, {$79.00} per month was being diverted from my total monthly payment of {$150.00} on my CareCredit account, which is issued and managed by Synchrony Bank, to a hardship or protection program that I did not authorize. I was not aware of this program at any time and did not provide consent to enroll. My CareCredit application was completed at a dental office by a staff member at the time of service, and no such program was disclosed to me. I only recently discovered that a portion of my payments was not being applied to my account balance. Upon contacting Synchrony Bank customer service, I was informed of the program and transferred to a third-party company associated with these charges. The third-party company issued a partial refund of {$840.00}, which covered approximately XXXX months of charges. However, the charges date back to approximately XX/XX/year>, and I have not been refunded for the remaining months. I requested documentation from Synchrony Bank showing when and how I authorized enrollment in this program, including any signed agreement or recorded consent, as well as a full accounting of all charges. This information has not been provided. I was also given contact information for a third party, including an email address ( XXXX ) and a mailing address in XXXX, GA. However, it remains unclear what entity enrolled me in this program or whether proper authorization was ever obtained. As a result of these unauthorized charges, a significant portion of my payments was not applied to my account balance, negatively impacting my account over time. I am requesting that Synchrony Bank conduct a full investigation and provide a full refund of all unauthorized charges from the initial date of enrollment through the present, documentation showing how this program was authorized, identification of the XXXX-party involved, and confirmation that no such program remains active on my account.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Complaint Against : LVNV Funding LLC Issue : Incorrect information on credit report Product : Debt collection Complaint : I am filing this complaint against LVNV Funding LLC for reporting inaccurate and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is listed as : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX ) This account contains multiple reporting violations : The account is being reported as an OPEN account, which is improper for a collection account No Date of Last Payment is provided No Payment Status or Monthly Payment is listed The full balance ( {$1200.00} ) is reported as past due, which is misleading The account is only reporting on XXXX and not consistently across all three credit bureaus Additionally, the account status is listed using a non-standard and unclear code ( " XXXX '' ), which does not meet the FCRA requirement for clear and accurate reporting. This incomplete and inconsistent reporting makes the account unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report information accurately and completely. LVNV Funding has failed to meet this standard. I am requesting : Immediate deletion of this account from all credit reporting agencies Written confirmation of deletion If LVNV Funding can not provide complete and verifiable documentation supporting this account, it must be removed immediately. Failure to comply will result in further legal action for willful noncompliance.

Company response to consumer: Closed with explanation