vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Better Mortgage, Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding a mortgage loan application in which the terms were materially changed without my knowledge or consent prior to signing a loan commitment on XX/XX/XXXX. On XX/XX/XXXX, I received a Loan Estimate showing a loan amount of {$87000.00} with {$0.00} in debt payoff and approximately {$82000.00} cash-to-borrower after speaking with loan consultant XXXX XXXX. Based on those terms, I proceeded with the application. After submitting documentation, I later received an invitation to submit a XXXX W2 and sign more documents. When I opened the docusign, there was a commitment letter. The letter was 2 pages and only stated the loan amount {$87000.00}, terms of 360 months, and percentage of XXXX. Based on previous discussions with loan consultant, XXXX, about loan, terms, and next steps. I preceded to sign the 2 page commitment letters. There was a message that I would be able to print " after it was signed ''. Once signed, I went back to review and saw the document was altered and now had 3 pages. A revised Loan Estimate dated XX/XX/XXXX, which included. The terms of the loan had been materially changes without my knowledge prior to signing this commitment letter. Approximately {$47000.00} in debt payoff was now required, reducing my cash-to- borrower to approximately {$34000.00}. I did not request any change to include debt payoff. I was not clearly informed prior to this revision that paying off debt would be a condition of loan approval. I only learned this after the revised terms were issued and after signing a commitment document that did not disclose this requirement. Additionally, I was told verbally that my debt-to-income ratio changed due to a reported {$1400.00} loss on another property. However, this does not reasonably explain or justify a {$47000.00} reduction in loan proceeds. Due to these undisclosed and unauthorized changes, I formally withdrew my application in writing to loan consultant, XXXX XXXX, and loan coordinator, XXXX XXXX, immediately on XX/XX/XXXX and again XX/XX/XXXX. I also requested confirmation that no fees were owed. The lender has not provided written confirmation or addressed my request regarding fees. I am concerned that : The lender misrepresented that I requested a change in loan terms Material loan conditions were not disclosed prior to issuing revised documents I was not provided clear and consistent documentation of any fee obligations I am requesting : Confirmation that my application has been canceled Written confirmation that no fees are owed Review of the lenders practices regarding disclosure and representation of loan terms

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: TX

Complaint narrative:
I am filing this complaint due to continued inaccurate and unverified reporting on my credit file despite multiple disputes and formal requests for investigation. I have disputed these accounts several times with the credit bureaus and directly with the furnishers. I have also sent Method of Verification ( MOV ) requests and FCRA 623 direct disputes. Despite this, the accounts continue to be reported as verified without proper documentation being provided. Account number : XXXX Portfolio Recovery Associates has failed to provide : A signed contract with the original creditor Proof of lawful ownership or assignment of the alleged debt A complete and accurate payment history Documentation showing how the reported balance was calculated Instead, they continue to report these accounts as verified through what appears to be automated or superficial investigation methods. The credit bureaus have also failed to ensure a reasonable investigation as required under FCRA 611, as they continue to rely solely on the furnishers responses without validating the accuracy of the information. As of the most recent updates : Portfolio Recovery Associates is reporting dispute resolved ; customer disagrees These statements do not satisfy the requirements of a proper investigation under federal law. I am requesting : 1. Immediate deletion of these accounts from my credit reports due to failure to properly investigate 2. Full documentation supporting the validity of these debts, if they claim they are accurate 3. A detailed explanation of the investigation process used to verify these accounts If these items can not be produced, the accounts must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Description of the issue : I am a loyal PayPal user of XXXX years with a verified history of household spending at major retailers like XXXX, XXXX, and XXXX!. Recently, PayPal permanently deactivated my account and is holding my balance of {$430.00} until XX/XX/year>. I believe this is not fair and unjustified as follows, XXXX. Lack of Specificity : PayPal has failed to provide any specific evidence of a policy violation. My balance consists of legitimate marketing service fees and {$60.00} in gas station rewards points, which are my private property. XXXX. Conflicting Information : On XX/XX/year>, the PayPal XXXX provided contradictory information, first stating there were " no active holds '' on my funds, then immediately retracting this and extending the hold to 180 days ( XX/XX/XXXX ). This demonstrates a lack of professional due process. XXXX. No Risk of Loss : PayPal claims the hold is for " chargeback risk. '' However, the {$60.00} gas rewards are non-reversible and pose XXXX risk to the platform. Holding these funds for XXXX days is an arbitrary penalty, not a risk mitigation strategy. XXXX. Financial Hardship : As a long-term user, I rely on these funds for daily living expenses. PayPals refusal to provide a manual review by a XXXX XXXX is an unfair and deceptive practice. Desired Resolution : I demand the immediate release of my full balance ( {$430.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX with XXXX miles on XX/XX/XXXX. The purchase price was {$18000.00} with an out-the-door total of {$20000.00} financed through Bridgecrest. The vehicle was repossessed on XX/XX/XXXX ( approximately XXXX miles at that time ). Bridgecrest contacted me multiple times via phone and email attempting to get me to reinstate the loan and return the vehicle, but offered no modified terms that would make the payments manageable. On XX/XX/XXXX, I received a mailed notice stating the vehicle was sold for {$6200.00}, resulting in a {$15000.00} deficiency balance ( aggregate owed {$22000.00} minus sale proceeds ). No notice was sent by registered or certified mail within 10 days of repossession ( by approximately XX/XX/XXXX ) advising of intent to pursue a deficiency or my right to demand a public sale, as required by XXXX. XXXX. All earlier communications were informal and did not comply with this statute. The {$6200.00} sale priceroughly one-third of the financed amountappears commercially unreasonable under XXXX law and UCC standards XXXX Independent valuations ( e.g., XXXX XXXX XXXX data for XXXX XXXX XXXX models with similar mileage ) show resale/private party values typically in the {$10000.00} {$12000.00} range around the time of sale, far exceeding the proceeds obtained. A highly comparable XXXX XXXX XXXX XXXX XXXX with XXXX miles and the same XXXX XXXX engine ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX automatic ) as mine is currently listed at XXXX in XXXX, XXXX ( Bridgecrest 's affiliated dealership network ) for {$16000.00} ( see attached screenshot ). This vehicle has XXXX ( typically adding {$1000.00} {$2000.00} premium over XXXX ) and XXXX fewer miles, yet the {$6200.00} proceeds from my disposition are still well below expected values for my specific setup. Independent valuations ( e.g., XXXX XXXX XXXX XXXX as of XX/XX/XXXX for similar XXXX models with XXXX miles ) show resale/private party values around {$10000.00} average ( fair purchase price ~ {$12000.00} ; trade-in ~ {$8700.00} {$10000.00} ), confirming the sale was commercially unreasonable under XXXX law and UCC standards without required notice or my right to demand a public auction under XXXX. XXXX. These procedural failures and the low sale price prevented me from protecting my interests, such as redeeming the vehicle or ensuring a fair disposition. The result has been an unenforceable deficiency claim pursued aggressively, causing significant financial and credit harm. I have not contacted Bridgecrest directly to resolve this due to the apparent violations and ongoing collection pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kashable LLC
State: SC

Complaint narrative:
I am filing a complaint against Kashable LLC regarding inaccurate credit reporting after a settled account. I settled and paid this account in full ( or agreed settlement amount ), however Kashable continues to report this account in a way that is misleading, incomplete, and damaging to my credit profile. The account is not being properly updated to reflect its true status, and/or the balance, payment status, or remarks are inaccurate. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires that all reported information be accurate and complete. I have already disputed this account with the credit bureaus, and Kashable has failed to provide proper verification or correct the inaccurate reporting. Since this account has been settled, continued negative reporting without accurate and complete updates is unfair and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I received a late payment on this loan when I had called customer service and was told I had an extension however a late payment was reported. I called many times trying to get answers and they just tell me we dont know what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I am filing this complaint against National Credit Adjusters regarding an unverified collection account being reported on my credit report. This account is listed with a balance of approximately {$610.00} and is negatively impacting my credit. I have previously disputed this account with the credit bureaus, and it was marked as verified. However, I have not received any documentation from National Credit Adjusters that proves this debt is valid or that they have the legal right to collect it. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting proper validation of this debt. Specifically, I am requesting : - A copy of the original signed agreement or contract with XXXX - A complete payment history showing how the amount was calculated - Documentation proving National Credit Adjusters has the legal authority to collect this debt - Proof that all information being reported to the credit bureaus is accurate and complete To date, none of this information has been provided to me. Reporting a debt without proper verification is a violation of federal law and is causing harm to my financial standing. I am requesting the following resolution : - Immediate deletion of this account from all credit reporting agencies if it can not be properly verified - Or full validation of the debt with the documentation requested above If National Credit Adjusters can not provide proper documentation, this account must be removed from my credit report. Please investigate this matter and respond within the required timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint due to continued inaccurate and unverified reporting on my credit file despite multiple disputes and formal requests for investigation. I have disputed these accounts several times with the credit bureaus and directly with the furnishers. I have also sent Method of Verification ( MOV ) requests and FCRA 623 direct disputes. Despite this, the accounts continue to be reported as verified without proper documentation being provided. Account number- XXXX {$700.00} LVNV Funding LLC has failed to provide : A signed contract with the original creditor Proof of lawful ownership or assignment of the alleged debt A complete and accurate payment history Documentation showing how the reported balance was calculated Instead, they continue to report these accounts as verified through what appears to be automated or superficial investigation methods. The credit bureaus have also failed to ensure a reasonable investigation as required under FCRA 611, as they continue to rely solely on the furnishers responses without validating the accuracy of the information. As of the most recent updates : LVNV Funding is reporting account information disputed by consumer, meets FCRA requirements These statements do not satisfy the requirements of a proper investigation under federal law. I am requesting : 1. Immediate deletion of these accounts from my credit reports due to failure to properly investigate 2. Full documentation supporting the validity of these debts, if they claim they are accurate 3. A detailed explanation of the investigation process used to verify these accounts If these items can not be produced, the accounts must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates regarding an inaccurate and unverified collection account being reported on my credit file. Portfolio Recovery is reporting an account with an alleged balance of {$450.00}, originally opened on XX/XX/year>, and currently listed as open and in collections. I dispute this account in its entirety. My concerns are as follows : 1. Failure to provide proper validation : I have not received sufficient documentation proving that this debt is valid or that I am legally obligated to pay it. I have not been provided : A signed agreement Full account statements Proof of assignment or ownership of the debt 2. Questionable ownership and authority to collect : Portfolio Recovery Associates has not demonstrated that they have the legal right to collect this debt or report it on my credit report. 3. Inaccurate and damaging reporting : The account is being reported as open and active, which is negatively impacting my credit. Without proper verification, this reporting is misleading and harmful. 4. Violation of federal law : Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, debt collectors must provide validation and ensure accurate reporting. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am filing this complaint against Resurgent Capital Services regarding inaccurate and unfair credit reporting. On XX/XX/year>, I paid the full balance of {$200.00} on the above-referenced account ( Account ending in XXXX ). This payment satisfied the debt in full, leaving a {$0.00} balance, as confirmed by my payment confirmation. After speakingwith the company, I was explicitly informed that upon resolution of this account : The collection account would be removed from all three credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX ) Any associated late payments would also be deleted As of today, this account and/or associated negative marks may still be reporting, which is inaccurate, misleading, and damaging. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported. Additionally, failure to honor representations made to a consumer regarding deletion constitutes unfair and deceptive practices. I am demanding the following : Immediate deletion of this collection account from all three credit bureaus Immediate removal of all associated late payments and derogatory marks tied to this account Written confirmation that these deletions have been completed Verification that no further negative reporting related to this account will occur If this matter is not resolved promptly, I am prepared to escalate this complaint for violations of federal consumer protection laws. I expect a response within the timeframe required by the CFPB. Attachments : Payment confirmation showing {$0.00} balance Any supporting documentation The continued reporting of this account after a paid-in-full resolution and deletion agreement suggests intentional retention of derogatory data for the purpose of inflating consumer liability

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was refused an overdraft line for my new checking acct started after my first ever fraud issue. I closed the old XXXX acct next XXXX w/ bank. Notified XXXX credit bureaus & took all measures. After 6 months opened this new XXXX acct w/ same branch bank. They refused an overdraft line. Said too many loans, credit card balances- none of this tis accurate. No loans, all cards pd in full statement balances every month. Never pay interest-not needed. I am retired, XXXX yrs old, nurse of over XXXX years. No debts. Private client of my bank w/ savings/checking of over $ XXXX, annuities over $ XXXX. They said I needed EARNED INCOME to qualify. I clarified : a JOB? Yes! they said. I have Social Security as well & income monthly from my annuities. DO I still need a job?! I reminded them I am XXXX ( now am XXXX ) That did not matter. My head banker spoke to them more than once, & gave me his name & I spoke 3 times w/ him - '' XXXX XXXX My current credit score is XXXX. It is often in the high XXXX '' s. I live in XXXX XXXX. I have never overdrafted in 60 years of having a checking account. I use my credit cards to establish credit & to be safer from the risk of robbery as a senior female adult - I carry very little cash. I have paid college loans for my self & dtr. & for cars. I should not be discriminated against! I am not getting a job @ my age! I already worked professionally for over XXXX years & since I was XXXX when I began Soc Security by working in a store........

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/year>, a charge in the amount of {$69.00} from XXXX was posted to my Apple Card account that I did not authorize. I disputed this transaction multiple times with Apple Card. The disputes were assigned case numbers XXXX, XXXX, and XXXX. Each time, I clearly stated that the transaction was unauthorized. Despite submitting these disputes, the company denied all three claims and determined that the transaction was authorized. The amount of {$69.00} was subsequently rebilled to my account after each dispute. I did not make or approve this transaction, and I have not received sufficient evidence or documentation explaining how the determination of authorized was made. I am requesting a thorough investigation into this matter, including a review of any supporting evidence used to justify the denial of my disputes, and a correction of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; XXXX debt Search XXXX XXXX. Surety bond information ( if required by law in your jurisdiction ). A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation