vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

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 d

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a formal complaint regarding deferred interest and penalty APR charges on my Synchrony/Living Spaces account. My promotional balance of {$1100.00} was set to expire on XX/XX/year>. Within approximately 40 days of expiration, I made a {$1100.00} payment ( posted XX/XX/year> ), demonstrating clear intent to satisfy the promotional balance. Despite this prompt payment, Synchrony applied approximately {$890.00} in retroactive deferred interest and continued compounding interest at 29.99 %, later escalating to a 39.99 % penalty APR due to resulting delinquency. I have now paid the entire balance in full under protest to protect my credit. The retroactive addition of nearly 40 % of the original purchase price in interest, followed by compounding and penalty escalation, is disproportionate to a short delay and does not reflect bad faith on my part. I am requesting : Reversal of deferred interest charges Refund of additional compounding interest Refund of late fees Removal of penalty APR from account history I acted in good faith and paid promptly once aware of the balance impact. I request a goodwill resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: DigniFi
State: NJ

Complaint narrative:
I had apply for a loan for a financed car and they apply for dignify loan and the car loan but never disclosed the dignify account now my credit is messed up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding the following collection account : Portfolio : I dispute this account in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I requested proper validation of this alleged debt. The collector has failed to provide sufficient documentation as required by federal law. To properly validate this account, the collector must provide : A complete accounting of the alleged debt, including principal, interest, and fees. A copy of the original signed contract or agreement bearing my signature. Documentation showing legal standing and authority to collect this debt. A complete chain of assignment from the original creditor to the current collector. Proof that the amount reported to consumer reporting agencies is accurate. Proof that the collector is currently licensed and legally authorized to collect debt in my state, including their state license number and issuing authority. If the collector is not properly licensed in my state, they do not have legal authority to collect or report this debt. Under FCRA 1681e ( b ) and 1681i, furnishers and consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting a collection account without competent validation and proof of authority constitutes inaccurate and unverifiable reporting. Simply responding account verified through an automated system does not constitute proper validation under federal law. If the collector can not provide the documentation requested above, they must : Immediately cease all collection activity Immediately delete this account from all consumer reporting agencies Provide written confirmation of deletion Continued reporting without proper validation and proof of licensing constitutes furnishing inaccurate information and unlawful collection activity. I am requesting that the CFPB require deletion of this account if the collector can not fully comply with the above validation requirements. Sincerely, If this matter is not resolved through immediate deletion, I will pursue additional complaints with my State Attorney General and explore all remedies available under the FDCPA and FCRA for unlawful collection and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX XXXX XXXX City, State ZIP XX/XX/XXXX Nj XXXX Date of Birth XX/XX/XXXX SS XXXX Via Certified MailXX/XX/XXXXXXXX Bank Attn : Compliance / Credit Reporting Department XXXX : Formal Notice of Dispute Account XX/XX/XXXXXXXX To Whom It May Concern, This letter serves as a formal notice of dispute regarding inaccurate reporting on my consumer credit file concerning the above-referenced account. Your company is reporting this account as opened on XX/XX/XXXX, with a balance of {$610.00} and reflected as a negative item. However, my records indicate that this account was originally opened on XX/XX/XXXX. The reporting of a new open date in XXXX is inaccurate and materially misleading. Pursuant to 15 U.S. CXX/XX/XXXXe XXXX ( b ) ( Fair Credit Reporting Act ), furnishers of information are required to follow reasonable procedures to assure maximum possible accuracy of information reported to consumer reporting agencies. The information being furnished in this matter does not meet that standard. Additionally, under 15 U.S. CXX/XX/XXXXe XXXX, I am requesting full validation of this alleged debt, including verification of its accuracy and legal status. Furthermore, pursuant to 15 U.S. CXX/XX/XXXXe XXXX, you are hereby notified that all communications regarding this matter must be in writing. Please provide the following : XXXX. Documentation bearing my signature evidencing a contractual obligation. XXXX. A complete payment history from the date of origination. XXXX. The name and address of the original creditor ( if different ). XXXX. A copy of the XX/XX/ACDB record furnished to the credit reporting agencies to verify this account. XXXX. The specific systems, methods, and personnel used to review and verify the accuracy of this account during your investigation. XXXX. The date, time, phone numbers, email addresses, and identity of individuals contacted during the performance of your investigation. XXXX. Documentation proving the permissible purpose for reporting and continuing to report this account. XXXX. An explanation for the change in the reported open date from XX/XX/XXXX to XX/XX/XXXX. If you can not provide competent evidence substantiating the accuracy of this account and the reported open date, you are required to immediately delete or correct the inaccurate information with all consumer reporting agencies to which you have furnished this data. Please be advised that reporting inaccurate information after receiving notice of dispute may constitute willful noncompliance under the Fair Credit Reporting Act. I expect a complete written response within XX/XX/XXXXdays of receipt of this notice. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I keep getting calls on a total visa credit card. They must have sold this to a third party company about XXXX times. This account was paid and o get calls from a different company daily demanding money saying they have a civil law suit filed against me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a credit card with TD Bank I disputed transactions done on my credit card from XXXX to XX/XX/ 2026. All the transaction totaled to {$4400.00}. When u file the dispute transaction, it didnt take them long for them to denied my dispute. They told me the reason that they declined it was because all the transaction were done in the same city I live in. That doesnt make any sense, my card was stolen in the same neighborhood i live in, so I would expect someone to use my card in the area. This is ridiculous, and is bad business TD Bank is doing. A some of the transactions were done outside my city as well, I dont get how they would decline my dispute. TD Bank is very unfair and unethical about my situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
This bank has been a nightmare to work with. I lost access to my account and due to their method of sending push notifications I can not log on because I am not receiving the notifications. I closed my account due to this and am waiting to receive a check. During this process I asked how I could get copies of my statements so I can make sure their accounting was correct. They told me that there was no way to get the statements because I could not access my account. Its illegal to not provide statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, several unauthorized fraudulent transactions were made on my American Express credit card account. Earlier that day, my phone was stolen. My SIM card was not reactivated until XXXX XXXX on XX/XX/year>, as confirmed by the attached XXXX receipt ( XXXX XXXX XXXX location ). During the time the fraudulent transactions occurred, I did not have possession of my phone and my SIM card was inactive. Therefore, I could not have authorized or verified any transactions by phone. American Express claims that the transactions were verified by voice authorization. However, the company has refused to provide : Exact timestamps ( date, time, and time zone ) for each disputed transaction Call logs or recording confirmation The phone number used for the alleged verification Any technical evidence showing I authorized these charges Without documented proof of authorization, the company can not reasonably conclude that I approved these transactions. I am requesting that American Express either provide documented proof of authorization or reverse all fraudulent charges in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Care credit synchrony Bank charges money on misapplied payments for standard purchases they apply payments to promotional balances and then charge you interest charges because they applied it towards the promotional balances and not the standard purchases. {$2.00} a month was charged for 6 months. I spoke to them and ask them to reverse it and they refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I am looking for my refund of all my payments that made on all my loans

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have a high credit rating ( over XXXX ) and was encouraged to submit for the Belk Credit card to get a discount of an additional XX/XX/XXXXon the purchase. I was approved. I am consistent with payments and made even above minimum balance. However, interest alone was approximately {$42.00} a month at a rate of XX/XX/XXXXI have paid off this card and canceled. I will never use this card again from this department store.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, NV. My name is XXXX XXXX, I gave a {$15000.00} down payment towards the purchase of the RV that same day, {$1.00} was taken from XXXX XXXX 's credit card ( XXXX XXXX is the other owner of the XXXX XXXX ) as a deposit. I then did a wire transfer from my bank for the amount of {$14000.00}. Between XX/XX/XXXX and XXXX XXXX, I found out through XXXX, NV. That the VIN # of the XXXX XXXX XXXX XXXX through the XXXX system came back saying the said motorhome was a XXXX NOT a XXXX. When I brought this information to Management at XXXX XXXX XXXX, they told me that XXXX made a mistake and that it is a XXXX. Now I had a prior issue with the windows on the said RV and went round and round with Management for a couple of weeks. Since the XXXX of XXXX I've only put XXXX miles on it. Due to the situation with the title and I can not register the RV, I'm afraid to take it out fearing that it's not legal. I've spent $ on insurance, warranty and storage for an RV i ca n't drive. I've already paid for a RV camp site in XXXX, NY for the XXXX week of XXXX. And i would love to go home to Oregon for my XXXX birthday in XXXX. But now I don't know what to do or who else can help me. I CAN'T find a phone number for Corporate for XXXX XXXX XXXX either. Why didn't they check out the title of this RV or any RV before they put them on the lot to sell. Please i do hope that the people of the CFPB can help me with this situation. Thank you for your time.

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I received a Pre-Legal Notification from Midland Credit Management XXXX Inc. regarding an alleged balance of {$29000.00} related to a XXXX XXXX Charger loan. The notice states that the account was charged off, sold, and is now owned by Midland Credit Management. The letter indicates that attorney review and possible legal action XXXX occur if payment is not received by XX/XX/XXXX. Prior to receiving this notice, I did not receive adequate validation of the debt from Midland Credit Management showing proof of ownership of the account, a full payment history, or documentation verifying the amount claimed is accurate. The letter references the original creditor as XXXX XXXX XXXX XXXX, but does not provide supporting documentation to confirm the balance or terms. The notice also uses language stating that attorney review may be the next step and suggests legal action is imminent. I am concerned this communication may be misleading or intended to pressure payment without first providing proper validation of the debt. I am requesting that the company provide full verification of the debt, including documentation showing they legally own the account, a complete payment history, and an itemized breakdown of how the balance of {$29000.00} was calculated. Until proper validation is provided, I want to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I paid {$480.00} on the due date, XX/XX/XXXX, to Synchrony/XXXX directly from my credit union account. They sent me an overdue bill. I provided my bank statement showing the direct payment. They opened a dispute, and then closed it and began sending me bills again with late fees, without acknowledging receipt of the bank statement. I again sent a copy of the bank statement on XX/XX/XXXX showing the direct transfer. They ignored that and sent a late payment notice to XXXX, resulting in a XXXX point decrease, shrinking my very good/excellent credit score rating to simply good. Today I spent over an hour speaking to five people in various divisions, to be finally told I sent the proof to the wrong division - payments instead of billing? How can a bank lose track of a direct transfer from another bank? And, when I prove the transfer was made, how can the creditor defend itself by saying I sent proof of payment to the wrong division? What? Why wasn't the proof recorded in my computer file? Why is this company 's ineptitude being dumped on me? I have done all I can, but they have had my money since the due date and I am tired of this, and dunning my credit score is the last straw.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-27 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: Prime Home Lending, LLC
State: OH

Complaint narrative:
I am filing this complaint against Prime Home Lending for what I believe to be intentionally obstructive and unethical conduct. I paid for my appraisal in good faith while working with Prime Home Lending. After reviewing my options, I chose to move forward with XXXX XXXX XXXX because they provided substantially better loan terms. I formally requested that Prime Home Lending transfer my appraisal to XXXX XXXX XXXX a standard and reasonable request. Prime Home Lending has flatly refused. I have begged, pleaded, and repeatedly requested a written explanation citing any legitimate federal regulation, investor guideline, or compliance rule that would prohibit the transfer. None has been provided. Instead, I have been met with resistance, delay, and what feels like an attempt to trap me into staying with their company by withholding a report I paid for. An appraisal is paid for by the consumer. It should not be used as leverage to block a borrower from pursuing better financing. Their refusal is directly interfering with my ability to obtain more favorable loan terms and is causing unnecessary financial harm. This behavior raises serious concerns about their business practices, transparency, and commitment to fair dealing. If there is no legitimate legal restriction preventing this transfer, then this appears to be a deliberate attempt to restrict consumer choice. I am formally requesting immediate transfer of my appraisal to XXXX XXXX XXXX. If Prime Home Lending continues to refuse, they should provide a detailed written explanation citing the specific law or investor rule they claim prevents compliance. Consumers deserve better than this. I expect prompt resolution

Company response to consumer: Closed with explanation