vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing regarding the following accounts that are currently being reported under my name : Account Number : XXXX Account Number : XXXX I am formally disputing these alleged debts and requesting full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I do not acknowledge responsibility for these accounts, nor do I recall entering into any agreement with your company or the original creditor associated with these claims. Because these accounts are disputed, I request that you provide complete documentation and verification of the alleged debts, including but not limited to : The name and address of the original creditor The date the alleged debt was incurred The original amount of the debt and a full itemized accounting of all charges, fees, and interest Copies of any signed contracts, applications, or agreements bearing my signature Documentation proving that I am legally responsible for these accounts Proof that your company has legal authority to collect on these alleged debts Copies of any payment history related to these accounts Verification that the information being reported to the credit bureaus is accurate and complete Until you provide proper validation of these accounts, you must cease all collection activity and reporting of these accounts to any credit reporting agencies. Reporting unverified or inaccurate information may constitute a violation of federal law. If you can not provide the requested documentation, I demand that these accounts be immediately removed from all credit reporting agencies and that written confirmation of deletion be sent to me. Additionally, if these accounts have already been reported to the credit bureaus without proper verification, I request immediate correction or deletion to prevent further damage to my credit profile. Please note that this letter is not a refusal to pay, but rather a notice that your claims are disputed and validation is requested. I expect a response within the timeframe required by law. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My CareCredit account through Synchrony Bank should reflect a XXXX balance. I have already contacted Synchrony twice this past year. I have had my bank contact them, also sent them proof of payment. I was even told my account has been cleared. To this day, I continue to receive statements stating that I still owe {$180.00}. This issue began during the conversion of Care Credit to a XXXX. I believe that the balance is now a result of an account migration error, which seems to occur periodically. I would like to request a full review of the account history, all payments, conversion entries, post conversion adjustments, and a correct of the account balance to accurately reflect that my account is fully paid off.

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 2026-05-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX withdrew XXXX from my bank account on XX/XX/year>. I filed a claim and the bank ( Chase ) keeps closing it saying they can not do anything about it. I then took matter into my own hands and called XXXX XXXX and they couldnt give me much information. They apologized and adviced me to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I saw a collection account on my credit report for Sentry Recovery & Collections for an amount that was unfamiliar. I called Sentry Recovery & Collections on XX/XX/XXXX. I asked the gentleman that answered the phone what this was for. After about XXXX minutes he said he could not find me in their system. I asked him what I was supposed to do and he recommended I dispute the account. I disputed the account with all credit bureaus. The debt was then verified. I called Sentry Collections & Recovery again on XX/XX/XXXX and again asked what it was for. The lady informed me it was for XXXX XXXX with no further explanation. I asked why I was told in XXXX that I didn't exist in the system. She said if they don't enter enough information into the search their system errors out. I asked why I was never informed of the debt. She then said it was obvious I knew about the debt because I had disputed it in XXXX. I told her I disputed it because I was told to by her employee. I ended the call and attempted to calXXXX XXXX XXXX XXXXirectly. I left a voicemail and then sent an email asking for a call. I got an email response that someone would be calling me soon. I did not receive a call and left two more voicemails. I again disputed it with all three credit bureaus and asked for documentation verifying the original debt. All I received was a standard email from all three credit bureaus that the debt was verified. I still have not received any documentation to show where the debt originated.

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 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX has been trying to collect money I dont owe by using collection agencys to make fake collections and adding it to my credit report. This has happened 3 times Ive disputed it and they have been removed. Yet they repeatedly do this for a {$68.00} debt they say I owe. They add it to my credit report and it has dropped my score down XXXX or more points at XXXX time. They tell me to just pay half but I dont owe it and its not right that they do this. Its like XXXX at this point. Ive called them but I dont get anywhere with them. I dont think they should be able to do this to people. Credit is important and I work hard to get it to the XXXX I only use XXXX XXXX of my XXXX credit. I am very responsible. It affected me trying to purchase a home this last time. Now today I get another credit place contacting me about this same {$68.00}. Its insane. I contacted XXXX and they suggested I contact here and make a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
The company is called FABCO on behalf of XXXX of XXXX. On the day of moving out ( all the rent was already paid on the first of the month anyway ) I went to the office, spoke to the manager about settling everything. She gave me an amount, made me go to the bank and get a cashiers check to pay her. She signed the receipt and I returned her my keys. 2 months later I get an invoice from them asking for over {$1500.00}!!! They kept harassing and finally reported me to the credit bureau. This is criminal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX while going over the transactions on my wifes and my checking account with Bank Of America I noticed a charge of XXXX showing as " Processing '' on our account. I immediately went online and submitted an online notification that I did not make nor recognize the transaction listed. Approximetly XXXX hour later, I went online again to observe the status once again and noticed that the status had now changed to " cleared ''. Seeing this, I immediately submitted an official dispute of the charges and this resulted in claim ID # XXXX. The next day, I contacted Bank of America via online chat and the man strung me along for several minutes before he advised me that he could do nothing, could give me no timeline as to how long it would take, etc. I tried to explain to him that my wife and I were on a very fixed income as we are retired and the amount of this charge ( XXXX ) was needed for our everyday living expenses. He said he was sympathetic but could give me no answers. The later that day XX/XX/XXXX, I tried calling several times the phone number that he had given me that handled those cases. No answer, no response. I once again went online and was then was told that these cases could take up to 6 months! I once again told the agent that my wife and I were on a very fixed income and we needed to money that they fraudulent paid out of our account for living expenses. Once again, sympathy but no action could be taken by the agent. He did finally tell me that an agent had indeed been viewing our claim that morning. We have heard nothing since. We feel this is completely ridiculous that we would place our money with Bank of America and that while under their supposid security, our money was robbed from us and Bank of America will not do anything about returning our money that they were holding for us to use in their bank. What is the use of using a bank if they do not provide security and stand behind 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 monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing this account as fraudulent. This debt is not mine, was not authorized by me, and is the result of a data breach. I do not acknowledge or assume any liability for this account. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to conduct a investigation. If you can not provide evidence validating this debt, I ask this gets deleted from my credit report. You have 30 days to delete this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I'm mostly unlucky, Someone stole dollars from my account without permission. I don't know who that person is. However, I think there seems to be a connection between a website and the theft of dollars from this account.I was buying some personal items for my family from a website.when I want to pay my bills there says my card information is.. When I said the card wasn't working, the salesperson told me that I didn't have enough balance in my account, so I honestly told him that I had enough balance in my account.The card wasn't working so I cancelled my order.But a few days later I see some transactions that I didn't make. merchant name XXXX.i I then contacted customer service and reported the transactions that I did not make. Then customer service open a dispute A few days later I see that my dispute has been denied.The truth is that I never made those transactions, so why didn't customer service accept my legitimate claim? I am now very humbly requesting you again to please accept my demand and return my dollars. My hard-earned money. I DIDN'T AUTHORIZED ANY PAYMENT WITH XXXX I don't have any relation with XXXX, And I don't have any account with XXXX My Venmo XXXX : Venmo mail : XXXX XXXX XXXX I did not authorize anyone to make transactions from my card. Whoever did stole my dollars without my permission.So I humbly ask you to please return my money.I respect the laws of the United States and hope that justice will be served. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXXy husband who is a joint account holder received an email saying that he needs to call Ally bank because they potentially are investigating unauthorized access. On call them around XXXXXXXX XXXX XXXX they said the issue is with my access and not his. Through the whole day they have refused to clarify what the problem and refused to resolve access or give a timeline to fix the issue. This account has our life savings and we have bills due which we will miss with lack of access to our own fund.

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I attempted to pay my credit card balance in full with Comenity Bank in XX/XX/year>, and believe I did so but there was {$3.00} of residual interest due on the account. It should be noted on their paynow page, there is no indication that there could be residual interest still due on the account. 60 days later I was contacted by phone from the creditor by a collections rep that spoke down to me saying I was not taking responsiblity for my debts, and that I had a past due balance. This was confusing given I paid the balance to {$0.00} and had not used the card since. I come to find out now that I was reported 30 days late in XXXX, but was not aware of the balance due until the call the occured today, XX/XX/XXXX. When I asked probing questions on this matter and requested consideration to waive the fees, I was spoken down to by the representative and was hung up on. I had called back after speaking to the collections rep, and was connected to a rep that reviewed the matter and agreed that the {$39.00} in fees they charged on top of the {$3.00} due was excessive. She agreed to waive the fees if I made the {$3.00} payment in full, which I agreed to. Later this evening I learned that the creditor reported me 30 days late to the credit bureaus I called for the XXXX time today in the evening and spoke to XXXX in Collections in TX and he agreed to submit for the credit correction, and ensure the late charges will be waived from the account. I appreciate his professionalism in addressing the situation, but a client should not have to take matters to this level to resolve something that never should have occurred. The pay now feature is deceptive and unfair on Comenity 's website. If it impacted me, its impacting other clients, being charged additional interest and fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
OXXXX XXXX I online bank ( ACH ) transferred {$290000.00} from XXXX XXXX XXXX Performance Savings Joint Account ( Primary account holder is my wife ; Secondary account holder is myself ) to my Citibank Accelerate Savings Account ( Account holder is myself ). The transfer was successful ; the {$290000.00} went into my Citibank account. Afterwards, Citibank locked my Accelerate Savings Account and froze all the money in this account. I called Citibank, they acknowledged the ACH transfer was from my Capital One joint account. The Citis Family Linking shows the combination of my wifes name and my name. With everything so clear, Citibank still requested for 30 to 60 days to mail me the refund check. However, after 60 days I did not receive any mail from Citibank. On XX/XX/year> I called Citibank again. Citibank did not give me when they would release my funds. 15 days later, today I called again, but there was still no result.

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 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In XXXX, I obtained an adjustable-rate mortgage. In XXXX, the loan was amended due to violations of lending regulations. The XXXX XXXX XXXX designated a portion of the loan as a Deferred Principal Balance, which, in accordance with the agreement, does not accrue interest and is to be repaid separately as a balloon payment. At present, the outstanding loan balance is approximately {$180000.00}, with an interest rate of 5 %. The monthly payment is approximately {$1400.00}, including escrow. According to standard mortgage calculation practices, this payment appears to include interest calculated on the entire loan balance rather than only on the interest-bearing portion. This indicates that the deferred principal balance XXXX have been improperly incorporated into the interest calculations. In XX/XX/XXXX, I submitted a request to the loan servicer for information on how my loan is being serviced, including an amortization schedule, payment history, and clarification of how interest is applied. On XX/XX/XXXX, the servicer responded, providing copies of the original XXXX loan documents, including the security deed and adjustable-rate note. These documents do not constitute the terms of the XXXX loan modification, nor do they address the current servicing of the loan. The servicer failed to furnish the Loan Modification Agreement, did not provide an amortization schedule, and neglected to clarify the methodology used to calculate my current monthly payment or interest. Consequently, I have not received the requisite information to verify that the loan is being serviced in accordance with the modification agreement. Due to the discrepancy between the documented loan terms and the apparent payment calculation, and the servicer 's incomplete response, I believe my loan may be improperly serviced, including the potential for overcharging interest. I am requesting a comprehensive investigation, rectification of any servicing discrepancies, reimbursement of any excess interest paid, and written confirmation that the loan is being managed in accordance with the modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX refused to give credit increase they said my performance was bad or low performance I'm not sure what that means they need to give me a detailed description about what that means they refuse to give me a credit increase they refuse to reopen my dispute that I have with XXXX car rental for {$74.00} I have to call them again and try to get my money back

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 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company is making a mockery of consumer protection laws and evading its obligation to provide validation for an alleged debt I supposedly owe a debt to a company I do not even recognize. This marks my third formal complaint, as the company, in an attempt to have its own way, closed my second complaint by falsely labeling it a duplicate. They did this solely to flout the system, as they have absolutely no intention of resolving the issue. I demand that they remove the accounts currently being reported on my credit file ; I have already sent them a pre-litigation notice, as they continue to withhold the documentation explicitly required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Exto Inc.
State: TN

Complaint narrative:
In XXXX, I used my Atlas credit account for a small purchase of approximately {$30.00} at a laundromat. After this, I stopped using the account and did not make any further purchases. Despite no additional spending, my account balance began increasing each month. I received repeated balance updates via text message showing increasing amounts : {$53.00}, {$62.00}, {$71.00}, {$80.00}, {$89.00}, and most recently {$100.00} but through app notification, not text message. These amounts differ between text message notifications and the app. I believe this may be related to a monthly membership fee ( ~ {$8.00} ), but I have not been provided a clear itemized breakdown showing how the balance is being calculated or why it continues to increase. Additionally, I am unable to fully access my account details or transaction history unless a payment is made, which prevents me from verifying the charges or resolving the issue. I have contacted Atlas support requesting an itemized statement and explanation of the balance increases but did not receive a clear resolution or full breakdown.

Company response to consumer: Closed with explanation