vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/year>XXXX I had spoken with a representative on Midland Credit Managements website asking for a settlement of a lower balance to resolve the account completely. The representative, XXXX XXXX, at first said that there isnt an offer on the account. I asked what do I need to do to get an offer and XXXX XXXX came back on the chat and said verbatim The best I can offer you to settle this account is {$150.00} to which I responded Ill take that!. XXXX XXXX then proceeded to go back on her offer saying she couldnt offer that to settle the account. I was willing to settle right at that moment to resolve this. I continued to advise XXXX XXXX that she was the one who offered that, not me, and I was accepting that. XXXX continued to refuse payment. I called in that same day where the representative and explained the situation and the representative said that his manager was on a call and not available and to call back on Monday. I called back on Monday and got to supervisor XXXX who said XXXX XXXX made a mistake and he could not honor her original offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Porania, LLC
State: SC

Complaint narrative:
I have a bankruptcy, XXXX XXXX that was filed XXXX XXXX, reference # XXXX that is reported on my credit report. Under the FCRA 15 USC 1681a it is due to be dismissed from my credit report. Im requesting that this bankruptcy be removed of my legal reporting rights

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
History can be found here on case : XXXX - National Debt Relief claimed they would help me and assigned their XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX NY XXXX Local Tel : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX This XXXX claimed they filed a response but today I got a statement from XXXX XXXX XXXX with a default judgement as if nothing was done at all by anyone. I have emails from XXXX and Their XXXX that this would be managed by them and nothing was done by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
My checking account with Sofi was overdrafted by {$20.00} for a few weeks, unbeknownst to me. I logged on afterwards to see my account had been closed by them, with no contact on their part. I followed up multiple times within the past XXXX years to get my account paid off and reinstated. They claimed they could accept payment from me, and were unable to provide me with any collections agency information in order to settle my debt. This has gone on for over XXXX months, with me reaching out multiple times, all for XXXX XXXX Any other reputable bank would jump at the opportunity to take any payment, and yet this online bank refuses to do so, and refuses to provide me any information to move forward. They have done nothing but transfer me from department to department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am requesting the following : XXXX. Full validation and documentation proving this account was lawfully established for Collection and charged off. XXXX. Copies of the original signed contract or agreement bearing my signature. XXXX. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : JEFFERSON CAPITAL SYST Account Number : Unknown Date Opened : Different Date Opened on XXXX, XXXX Between XXXX Amount : Unknown ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required XXXX days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have filed XXXX reports thru XXXX XXXX with XXXX and XXXX to prove that the account owed is duplicated and affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: GA

Complaint narrative:
Complaint Summary PayPal Credit Account Access Failure I am filing this complaint regarding my PayPal Credit account and the inability to access or manage the account through my PayPal XXXX account. For many years I have managed my PayPal Credit account through XXXX, where my balance and payment history were displayed and payments were made using automatic ACH withdrawals from my bank account. Recently, the PayPal interface stopped displaying my PayPal Credit account entirely and shows a {$0.00} balance. Because of this, I can not view the account balance, review transactions, or make payments through PayPal as I have always done. At the same time, Synchrony Bank, the creditor servicing PayPal Credit, has issued paper statements reflecting a balance of approximately {$5700.00} and has reported the balance to the credit reporting agencies. This has created a serious discrepancy : PayPal displays a {$0.00} balance and does not show the account Synchrony Bank reports a balance and past due amount I can not access the account through PayPal to verify the balance or make payments I have contacted both PayPal and Synchrony Bank multiple times over the past several weeks. PayPal XXXX state that the account shows a XXXX balance, while Synchrony Bank confirms the balance exists but directs me back to PayPal for account access. As a result, I am unable to properly manage or pay the account because the PayPal interface no longer provides access to the account. I have now submitted a formal billing dispute to Synchrony Bank requesting a full account ledger and verification of the balance. However, PayPal continues to show a XXXX balance and has not restored access to the PayPal Credit account through my PayPal account. I am requesting that PayPal : Restore proper access to my PayPal Credit account through my PayPal account Correct the account display so that the accurate balance is visible Ensure that consumers can access and manage their PayPal Credit accounts through PayPal as intended Coordinate with Synchrony Bank to resolve the discrepancy between the PayPal system and Synchronys account records This situation has created confusion and risk to my credit because the account balance is being reported while the PayPal system displays a {$0.00} balance and prevents access to the account. I am requesting prompt correction of this system error so that I may properly access and manage my PayPal Credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I financed a XXXX purchase through Affirm and returned the merchandise on XX/XX/year>. The return consisted of XXXX boxes, both of which were delivered to XXXX dock and signed for. Even though the merchant received the returned merchandise, XXXX did not issue a refund, and Affirm continues to hold me responsible for the loan balance. I disputed the charge with Affirm and reopened the case XXXX times but Affirm repeatedly closed the dispute in the merchants favor. I no longer have the merchandise, and the merchant received it, yet I am still being required to pay. I am requesting that Affirm reverse the balance, stop collection activity, and confirm that no negative credit reporting will result from this dispute. I believe Affirm has failed to properly investigate the dispute and failed to protect me from being charged for merchandise that was returned to and received by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX, Equifax XX/XX/year> and Transunion XX/XX/year>XXXX Amount : {$1100.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: NY

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be XXXX % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
My mortgage was through XXXX, they transferred my mortgage to Carrington Mortgage Company on a date I dont know because I never got a notice, I only found out when I went to the website to make a payment and it said that they couldnt find my loan, I finally got ahold of a human at XXXX and they said they had sent my mortgage to Carrington and I had to contact them, I got in touch with them around the first part of XXXX and found out they had been transferred my loan at the XXXX of XXXX, and they said everything is fine just get my payment in before the end of the month, I looked at the payment amount on the Carrington website and it said that my payment was {$2500.00} I paid {$2500.00} on the XXXX of XXXX, but I found out today the XXXX of XXXX that I was supposed to pay {$250000.00} and they are canceling my loan over {$90.00}, I told them that this is a huge misunderstanding and I will send them the {$90.00} immediately and make another payment this week but they refused to take the payment, I dont think I should lose my home over {$90.00} when the website said to pay {$2500.00} and thats what I did, please help me with this matter, its all been a huge misunderstanding, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I am on my mother 's checking account because she's older. She opened a line of credit and they automatically put me on it. I have asked to be taken off and was told they could not take me off until it's paid off. I did not give permission to be on the line of credit. I did not say assign anything saying that I would be okay with the line of credit and I do not want to be on this line of credit. I tried to dispute it but the bank says that for real I can't get it taken off my credit report. They should not be able to take out loans without talking to me first and making me aware of a line of credit that's being opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I got XXXX XXXX implants for {$1800.00} each as promotional purchases with no interest unless I didnt pay off the balance before the end of the term. Inbetween this time I made a XXXX time purchase on XX/XX/XXXX at XXXX XXXX for {$200.00} with the card. I called Synchrony Bank before I paid the balance and paid the complete amount on XX/XX/XXXX while the agent was on the phone to make sure that this XXXX time payment would be separate from the promotional purchases. I was assured I was good. I then resumed my normal payments for the promotional purchases on XX/XX/XXXX. By XX/XX/XXXX, I started to be charged interest while my balance suddenly increased. I called and was told that the XXXX time payment did not go to the proper place and it would be corrected before the next payment. This did not happen. In XX/XX/XXXX, I had paid off the first {$1800.00} promotional purchases despite the lack of correcting the balance issue. So it makes no sense why in XXXX of XXXX, I had a higher balance than {$1800.00} since I only had XXXX promotional balance of {$1800.00} left and had been paying consistently on it. I have had to call monthly and repeat the same situation while being charged interest and my balance wrongfully increase. My interest charges would be corrected for the month and then another would appear the following month. That did not stop happening until recently over a year later. Meanwhile, my balance has never been corrected. I have asked on XXXX occasions to be sent my complete payment history from both my promotional purchases. The first time I was sent partial statements. Definitely not all of them. The second time in XX/XX/XXXX I was sent a brief letter thanking me for my inquiry with absolutely no payment history. I chatted with an agent and requested a payment ledger. I was told that wasnt possible. So I accepted asking for a complete payment history statements. I was told again the same thing to wait. I no longer believe them. My credit balance available for me to use on my card is now higher than what I used for the purchase leading me to believe that I have now overpaid by a lot. I would like my payment ledger to see all of my payments to see the exact amount of money I am owed. There has been no accountability, transparency or integrity from the beginning. Synchrony has stolen from me and this has drug out for over a year now. I have been ill and this has caused more stress on me due to THEIR error with no regard to correct it. I have consistently paid monthly without fail. I should have never been in this position because of their error and I definitely shouldnt be enduring it and fighting for them to do right and correct their consistent mistakes.

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 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I initiated a {$650.00} instant transfer from Cash App to my XXXX debit card. After instant transfer fees, {$630.00} was sent through the XXXX network. XXXX confirms the {$630.00} load was received but states the merchant issued a load reversal within seconds and the funds were returned before posting to my account. However, Cash App has confirmed in writing that neither Cash App nor its processor initiated a XXXX reversal for this transaction. As a result, both institutions are directing responsibility to the other while the {$630.00} remains unaccounted for and was never made available to me. I am requesting a XXXX network trace identifying the reversal message, including the reversal reason code, response code, and the destination of the returned funds. the XXXX reference number ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I recently put in a complaint ( complaint ID XXXX ) this business ( Cashapp ) has yet to issue an update on my dispute. They keep sending me automated emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have made the payment but unfortunately their system did not allowed to process the payment on the same day. Instead it was processed next day and as a result I have been charged with a late fee and when i requested to waive they say no. Its absolutely XXXX because of their fault I have to pay the late fees.

Company response to consumer: Closed with explanation