vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: AR

Complaint narrative:
ON XXXX XXXX 2026 I RECEIVED A TEXT MESSAGE FROM XXXX XXXX XXXX. I BELEIVED IT TO BE A SCAM TEXT AND DID NOT RESPOND BUT DID SCHEDULE A PAYMENT TO EMBCC PATIENT SERVICES TO PAY REMAINING DEBT OWED. A PAYMENT OF {$420.00} WAS COMPLETED ON XXXX XXXX, 2026. ON XX/XX/XXXX I WAS CONTACTED FOR THE FIRST TIME BY PHONE CALL IN REGARDS TO THE NOW PAID DEBT. I WAS GIVEN AN EMAIL WERE I SENT THE RECIEPT SHOWING THE DEBT OF {$420.00} WAS PAID AS WELL AS A SCREENSHOT OF THE XXXX WEBSITE TO SHOW EVERYTHING WAS PAID OFF. XXXX CONTACTED ME BY PHONE ON XX/XX/year> TO DISCUSS OWED FUNDS. STATED THE DEBT WAS PAID OFF AND THAT THE DOCMUENTS SHOWING IT HAD BEEN PREVIOSLY SENT. THE CALL WAS ENDED. WAS CALLED AGAIN TODAY, XX/XX/year> IN REGARDS TO THE DEBT AND WAS TOLD ONCE AGAIN THE PAYMENT OF {$420.00} WAS STILL OWED. STATED AGAIN THAT I HAD SENT TO DOCUMENTATION PROVING THE PAYMENT AND TO STOP CALLING. CALL WAS AGAIN ENDED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
XX/XX/year> {$8600.00} was billed to my PayPal card, account # XXXX for XXXX XXXX charges. These charges are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
In the matter of XXXX XXXX XXXX XXXX XXXX XXXX, Roosen , Varchetti & Olivier , PLLC initiated wage garnishment based on a court judgment. The original court ordered judgment amount was {$1100.00}. However, wage garnishment has continued and has been applied in a way that does not accurately reflect the lawful balance owed or the correct status of the court ordered judgment. Per the court order, the plaintiff ( XXXX XXXX XXXX ) was ordered that within XXXX days after the judgment has been paid, they were to provide the gamishee ( XXXX XXXX Mortgage XXXX ) and defendant ( XXXX XXXX ) a garnishment release. The judgment was satisfied as of XX/XX/year>. However, garnishment has continued as of XX/XX/year> with {$86.00} being withheld/garnished without a clear or accurate accounting showing how the amount being collected was calculated or legally justified. I spoke with a representative with Roosen , Varchetti & Olivier , PLLC and they stated they did not issue a release of judgment and have not been provided with a clear breakdown or validation of the continued garnishment amounts, nor evidence that the garnishment complies with the current status of the judgment. Representative hung up the phone on me as I continued asking clarification regarding wages continuing to be garnished. As a result, my wages have been improperly withheld beyond what appears to be legally authorized. I believe this conduct may violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : - XXXX U.S.C. XXXX prohibition on false, deceptive, or misleading representations, including misrepresenting the amount of debt owed or legally collectible - XXXX XXXX. XXXX prohibition on unfair or unconscionable collection practices, including attempting to collect amounts not authorized by the underlying judgment or law I am requesting an immediate investigation, correction of the garnishment, full accounting of all amounts taken, and refund of any funds improperly withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
" A fraudulent bank account and/or loan was opened using my personal information without my consent. I have notified the bank and filed an FTC Identity Theft Report and police report. I did not authorize or benefit from this account or transaction. Please assist in ensuring this fraudulent account is closed, all associated balances are removed, and any negative reporting is corrected. ". You can change it up a bit if you need, but I thought it would be helpful when you go to fill out the form. Have a good rest of your day!

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 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
" I am attaching a copy of my formal approval letter from Freedom Mortgage ( transcribed below ) which proves my account should not be reported as delinquent for XXXX XXXX Mortgage granted me an FHA XXXX Forbearance effective XX/XX/year> ( see attached letter ). This letter explicitly states my payment due for XXXX is {$0.00}. However, my credit reports currently show I am XXXX days late ' for XXXX. I am requesting that Freedom Mortgage immediately correct this reporting to show the account as 'Current ' or XXXX ' starting XX/XX/XXXX, as you can not be delinquent on a {$0.00} payment. '' as the owner of XXXX XXXX XXXX XXXX, accurate credit reporting is vital for your business operations. This shows the CFPB that this isn't just a minor mistakeit 's affecting your livelihood Freedom Mortgage Corporation XXXX XXXX XXXX, XXXX, IN XXXX RE : Eligibility Review and XXXX Plan Approval Effective Date : XX/XX/year> You were evaluated for mortgage payment assistance by Freedom Mortgage Corporation XXXX XXXX the eligibility requirements of the XXXX XXXX XXXX XXXX FHA XXXX XXXX Review Results : Repayment Plan : Not Eligible Forbearance : ELIGIBLE - Approved for a FHA XXXX Forbearance. XXXX Standalone Loan Modification : Not Reviewed Pre-Foreclosure Sale ( PFS )/ Deed-in-Lieu : Eligible Forbearance Plan Terms : As part of your Forbearance Plan, effective XX/XX/year>, we have temporarily suspended your monthly mortgage payment amount {$3000.00} for XXXX months. The expiration date of the plan is XX/XX/year>. During this time, you do not need to make any mortgage payments. The terms of your mortgage remain unchanged. During this plan, your monthly payment due will be {$0.00}. You will not be assessed late charges while you are performing on this plan. Right to Appeal : You have the right to appeal this decision within XXXX days of the date of this letter. If you would like to appeal, you must contact us in writing no later than XX/XX/year>.

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 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is currently reporting late payments that are inaccurate and do not reflect my true payment history. The reported delinquencies are causing ongoing damage to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) and XXXX, credit reporting agencies and furnishers are required to maintain maximum possible accuracy and conduct a reasonable investigation when information is disputed. Despite my dispute, the inaccurate late payments continue to be reported without proper correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
In [ XX/XX/year> ], I purchased furniture at XXXX XXXX using XXXX XXXX. I was never told that the account was a deferredinterest program or that failing to pay the full balance within a promotional period would trigger retroactive interest. I recently discovered an {$800.00} interest charge added to my account. I contacted XXXX, and they told me the charge was because I did not finish paying during the special program, but this program was never explained to me at the time of purchase. No clear disclosure was provided verbally or in writing. I believe this is misleading financing and an unfair charge. I am requesting an investigation and removal of the {$800.00} interest added without proper disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inquires : XXXXs XXXX XXXX, XXXX XX/XX/year> XXXX : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> XXXX stated inquires and accounts are acts of fraudulent activity which I don't recognize. Please remove them from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
b"These are all of our Problems as of XXXX with a XXXX XXXXThe Assistant Manager at our TD Bank Branch on XXXX XXXX XXXX NY XXXX and we are both XXXX XXXX XXXX XXXX XXXX XXXX and on XXXX by a Direct DepositXXXX XXXX XXXX and XXXX XXXX XXXX Official Filing Complant. Against A XXXX XXXX XXXX Assistant Banking Manager.\n\nTD Bank new contact card ending in XXXX has been locked on do to they said card tampering. Is now ending in #XXXX \ncutting out XXXX XXXX from a 2 party online banking accounts.\nnew XXXXXXXX My Wife XXXX was in XXXX XXXX XXXX for some XXXX XXXX XXXX.\nPlease call us at XXXX so we can sort things out.\n\nquestion of a $XXXX dollar missing amount from XXXX XXXX XXXX TD XXXX XXXX debit account. My XXXX XXXX XXXX monthly Funds in my wife XXXX name and not mine thire in lies Our TD Banking broblems\ncard ending in XXXX. old card but our new card ends in #XXXX.\nAnd but my XXXX XXXX old card is #XXXX, Date XXXX DEBIT TD Bank Debit Card America's Most Convenient Bank.\ndebit Card ending in XXXX XXXX XXXX Ac/XXXXXXXXTD Bank Suporvisors XXXX XXXXthis is the one I had a Dispute over our TD Banking Account\nDebit Card ending in XXXX that kept getting locked just at the \ntime my Wife went into the XXXX due to a very serious condition and I very desporetly needed to be with her but couldn't because the TD bank said that I couldn't have access to our XXXX funds due the fact that it was in my wife's name which is XXXX XXXX XXXX wife to me XXXX XXXX XXXX with the same last name and the XXXX banking manager said that it was against TD Banking rules. And I then said back to him that it was an Emergency and without my access to our bank account funds I could not get to the Hospital to be with my loving wife at this very serious time of need.\n\nSigned: XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have received a supposed court document in the mail ( regular, first class mail, not certified mail ) indicating that I have been sued by Portfolio Recovery Associates over a debt. I have searched court records in the relevant jurisdiction and I found both that the specific case / docket number does not exist and that there is no lawsuit against me at all. XXXX XXXX XXXX, XXXX Docket Number XXXX Court Date XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I have a claim with Cash App for some fraudulent charges that were put on my account and they have started declining or denying the claims. I will attach a screenshot of one in particular that they have denied when I contacted them to find out why they denied it. They refuse to tell you any information as far as their justification, their reasoning or what information they used in order to come to that decision they then insist that you file an appeal however, they dont give you any information to fight the appeal with meaning they tell you to appeal the decision you dont know what their decision is other than its a flat denial no intelligent person can write an appeal letter. If they dont know what theyre fighting. They ask you to submit additional supporting information but they wont tell you what information they already have. How are you supposed to know what they have and what you need to send them or what additional evidence you may have if they wont tell you why they denied it or what information theyve already got its a runaround game in order to prevent you from being able to get anywhere to prevent you from being able to win an appeal and prevent you from getting back your money, even though I was robbed at gunpoint they refused to share any of their information they want all of yours, but then they wont tell you anything in order for you to file a legitimate educated appeal and go through the appeal process. They want you to appeal something but wont tell you why they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management , Inc, ( " MCM '' ) sent a notice to collect a debt on XX/XX/XXXX. I sent a letter via certified mail asking to verify the debt under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Michigan Compiled Laws 339.918. This was sent on XX/XX/XXXX. A response was not received. I sent an additional letter certified requesting the info on XX/XX/XXXX. A response was not received. I sent a final certified letter asking to Cease and Desist : Stop all further collection efforts regarding this alleged debt. Credit Deletion : Remove all trade lines and negative entries associated with this account from XXXX, XXXX, and XXXX. Written Confirmation : Provide me with a letter stating the account is closed and that the request for deletion has been sent to the bureaus. A response was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Bank of China USA
State: NY

Complaint narrative:
I am filing this formal complaint against the Bank XXXX XXXX XXXX XXXX XXXX due to a series of severe compliance failures and professional negligence. Serious Privacy Breach : On XX/XX/year>, the bank 's XXXX department emailed me sensitive financial and transaction information belonging to a third party ( my partner ) without their authorization. This is a direct violation of the XXXX XXXX ( XXXX ) and bank privacy policies. Operational Negligence & Lack of Transparency : The bank lost a physical check I provided. Crucially, the bank only admitted to losing the check via a phone call and has persistently refused to provide a written confirmation of this loss. This appears to be a deliberate attempt to avoid a paper trail and hide their operational failure, leaving me exposed to significant identity theft risk without any formal protection. Intrusive Practices : I have also been subjected to excessive, repetitive KYC questioning for routine transfers. Failure to Resolve : I provided the bank with a XXXX deadline to resolve these issues via a formal written complaint. Instead of a substantive response, I received a generic template email directing me to a general switchboard number, which is a clear stalling tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: OH

Complaint narrative:
XXXX XXXX I went for a consult at XXXX XXXX location. I paid {$250.00} for the initial scans to start a XXXX XXXX treatment. I never received anything but a bunch of phone calls and text demanding money for services I never received. The phone number went straight to a recording advising they were no longer in business. It was a huge scam. Thankfully I never got to the point to set up automatic withdrawal so they never got any money other than the {$250.00} paid up front. I now have a collection account from Tek collect inc for {$2200.00}. I have disputed this account on 5 different occasions with XXXX credit bureau. Every time the dispute was canceled but the balance remained on my credit report. This is the only negative account on my credit report and has affected my credit tremendously.Tek collect inc did send me a blank contract with the signature part missing a actual signature as proof of the debt. I never signed anything other than permission to scan for treatment. I never received anything and they were supposed to email me the actual contract with payment plan info, but I only received balance due alerts via text.

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 2026-04-24 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: UT

Complaint narrative:
On XX/XX/XXXX I initiated payment though XXXX business for a bicycle, for {$1200.00}. I contacted the seller for shipping which they said they would do days later. I then got a shipping confirmation showing a shipment from XXXX, Nevada to XXXX, New Jersey showing a XXXX box. For reference the bike was supposedly coming from Idaho, and I live in XXXX XXXX Utah. XXXX the original website I made contact with the seller thru labeled the seller a verified scammer only after he was reported for trying the same scam on multiple other parties, that designation was not their during our initial conversations. I immediately filed a complaint with XXXX, I subsequently filed a complaint with XXXX bank who I believe is the bank of XXXX. After filing complaint with XXXX XXXX said they could no longer help me and investigation had to go through Synchrony. Previosuly when I have had trouble with a XXXX arc or XXXX, I have been sent a link to upload information, Synchrony never sent me that. On XX/XX/XXXX I called to check on status and they said they sent me an email, I asked to confirm my email address, which they did, and looked at the dates they said they sent it, there was nothing in my mailbox or spam folder. I told them this. I asked them to send again which they said they did and still nothing was sent. I asked to speak to an investigation agent like I had at other banks, they said they would not speak with me directly. I asked them to send another letter, they did not. They said I could print the images I would upload and fax them to them, which I did. At no point did Synchrony make an active attempt to find evidence on my end, they simply said the seller showed a tracking number, which is apparently all they needed to close the case. The tracking number shows a shipment to another state! Synchrony took no interest in actually investigating and lied about sending me email and sending me mail correspondence and offered no possible way to give information to investigators other than faxing information which does not allow me to verify that it was sent or received. The correct resolution to this case is a refund of my {$1200.00} when they offer XXXX purchase protection. XXXX offers financial protection but if all a fraudster has to do is provide literally any tracking number then it provides not protection, any amount of critical thinking would show the tracking number was not possible accurate for the transaction that was supposed to occur.

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