vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this because National Credit Systems , Inc. just put a " Major Derogatory '' mark for {$3500.00} on my credit report ( as of XX/XX/year> ) for a debt Ive already told them is wrong. This is from an old apartment, XXXX XXXX at XXXX ( XXXX XXXX ). My landlord was the one who terminated the lease. They did this right after I complained about mold in my unit and then claimed my dog was aggressive and was no longer allowed on the property. They also claimed he was unauthorized, but I had lived there for 3 years and I paid the pet rent that was charged to my account. Also, there was no dog in the unit once I recieved this termination. Under Texas Property Code 92.331, they aren't supposed to retaliate like that. I had to move out because they ended the contract, so I shouldn't be charged for a " next lease '' that I never even lived through. I have asked for a breakdown of these charges before, but I still haven't seen an itemized list. Also, under Texas law ( Prop Code 91.006 ), they are required to try to rent the place to someone else to lower the " loss, '' but they haven't shown me any proof they even tried. Im a graduate student moving for my doctoral program in May, and this fresh negative mark is causing me a huge headache while I'm trying to get my life together for school. I already sent them a rebuttal, but they ignored it and reported it anyway. This needs to be deleted from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Someone use my information XXXX app fraudulent account I can't company and I can't contact the record dispute several times nothing happened

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Complaint Against Santander Bank Failure to Provide Provisional Credit Under Regulation E I am filing this complaint regarding Santander Banks handling of my fraud claim involving unauthorized electronic funds transfers. On or about XX/XX/year> multiple unauthorized withdrawals were made from my account via XXXX XXXX in the amounts of {$5600.00}, {$2100.00}, and {$4100.00}. These transactions were not authorized by me and are not consistent with my account history. I also did not receive any fraud alerts or notifications from the bank regarding these transactions. I promptly reported the fraud to Santander and filed a claim. As of today, more than XXXX business days have passed, and the bank has not provided provisional credit, despite the investigation still being ongoing. When I contacted Santander, I was told that provisional credit is only issued for warranty claims. This is incorrect. My claim clearly involves unauthorized electronic funds transfers and should be covered under Regulation E, which requires financial institutions to provide provisional credit within XXXX business days if the investigation is not complete. Santanders refusal to provide provisional credit and their apparent misclassification of my claim raise serious concerns about their compliance with federal consumer protection laws. I am requesting that Santander : Immediately issue pro visional credit for the disputed amount Properly classify my claim as an unauthorized electronic funds transfer under Regulation E Provide a full explanation for the delay and failure to comply with Regulation E requirements This situation has caused significant financial hardship, and I am seeking prompt resolution. Sincerely, XXXX XXXX

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 2026-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Description of Incident : I am a resident of XXXX XXXX, XXXX XXXX, Texas. I am disputing a {$420.00} personal property tax charge on my XXXX XXXX XXXX lease ( VIN ending in XXXX ). Under Texas Tax Code 11.252, personal-use leased vehicles in my jurisdiction are 100 % exempt from these taxes. Timeline of Events : Original Contract : My lease began in XX/XX/XXXX. On Page XXXX of the Federal Consumer Leasing Act Disclosures, the " Primary Use '' box for " Personal or agricultural '' is explicitly checked. Ally has had this legal declaration on file since the inception of the lease. Relocation : Approximately a year ago, I moved from Wisconsin to Texas. Ally was notified of this move and provided the necessary title/registration documents. Despite moving to a new tax jurisdiction, Ally failed to provide me with the state-mandated notice or the required affidavit ( Form XXXX ) to claim my statutory exemption. Current Dispute : In XX/XX/XXXX, I discovered a {$420.00} property tax charge. I immediately uploaded the required Texas XXXX XXXX to XXXX XXXX. XXXX XXXX : I contacted XXXX XXXX Department on XX/XX/XXXX. Agents stated " there is nothing they can do '' because they claim to have sent prior notices. However, I never received these notices. More importantly, the XX/XX/XXXX statutory deadline for the XXXX tax year has not passed. Ally is refusing to process a timely-filed state tax exemption form. Summary of Failure : Ally is attempting to pass through a tax charge that is legally {$0.00}. They are ignoring their own contract which specifies " XXXX XXXX '' and are refusing to honor a state-mandated filing deadline. I am grounding this vehicle in XX/XX/XXXX and XXXX refusal to correct this billing error constitutes an unfair and deceptive billing practice.

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 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX | XXXX Date : XX/XX/XXXX TO : Consumer Financial Protection Bureau ( CFPB ) RE : Portfolio Recovery Associates , LLC ( XXXX ) | XXXX XXXX XXXX, XXXX, VA XXXX Account Number : XXXX Subject : Formal Complaint for Violation of FCRA and TILA Inaccurate Reporting of Debt and Unauthorized Fees To the CFPB : I am filing this formal complaint against Portfolio Recovery Associates , LLC ( PRA ) for willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Truth in Lending Act ( 15 U.S.C. 1601 ). Recently, I received a response from the original creditor, Capital One ( CFPB Case : XXXX-XXXX ), which provided documentation proving that the data currently being reported by PRA to my credit file is factually incorrect and grossly inflated. Specific Points of Dispute : 1. Inaccurate Debt Amount ( TILA Violation ) : XXXX XXXX official records state that the last charge billed to my account was {$64.00} on XX/XX/XXXX. However, Portfolio Recovery Associates is reporting a balance of {$430.00}. This is a difference of {$370.00}. Under the Truth in Lending Act, I am entitled to a full, transparent accounting of how this balance was calculated. PRA has failed to justify this inflated amount or provide any legal contract from the original creditor that authorizes the addition of such significant interest or fees. 2. Incorrect Account Dates ( FCRA Violation ) : PRA is reporting a " Date Opened '' of XX/XX/XXXX. However, XXXX XXXX documentation explicitly states the account was sold to PRA on XX/XX/XXXX. Under the FCRA, credit bureaus and furnishers must ensure " maximum possible accuracy. '' Reporting incorrect dates of acquisition is a failure to comply with federal reporting standards. 3. Failure to Conduct a Reasonable Investigation : Despite my previous disputes, PRA has verified this information as " accurate '' to the credit bureaus. It is clear that a " Reasonable Investigation '' under FCRA Section 611 was not performed, as a simple audit of the original creditor 's datawhich I now possesswould have shown the balance discrepancy immediately. Requested Resolution : I demand that Portfolio Recovery Associates , LLC provide a complete, itemized breakdown of the {$430.00} balance they are claiming. If they can not provide the original signed agreement and the legal " Chain of Title '' authorizing these additional charges, I demand that this trade line be purged and deleted from my credit report entirely to correct this reporting error. I have attached the response from XXXX XXXX as evidence of this discrepancy. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL

Complaint narrative:
I submitted a written Request for Information and dispute via certified mail to XXXX on XX/XX/2026 regarding my mortgage loan ( Loan ending XXXX ). XXXX confirms delivery and I have proof of receipt. XXXX acknowledged my request partially but has failed to provide the remaining requested documentation, including copies of any alleged trial payment plan or modification agreement that they claim I failed to complete. I have never received any such agreement or instructions. I also submitted a written request for reconsideration for FHA loss mitigation in order to retain my home. I have followed up multiple times in writing and have received no substantive response. Despite my active dispute and request for assistance, my loan has now been referred to a foreclosure law firm. I recently received correspondence from foreclosure counsel, even though my requests remain unresolved. XXXX has failed to comply with federal mortgage servicing requirements by not fully responding to my Request for Information within the required timeframe. I am actively attempting to resolve this matter in good faith and retain my home. I am requesting the following : Immediate production of all requested documentation, including any alleged trial payment plan and proof of delivery A full review for FHA loss mitigation options Suspension of any foreclosure activity while my requests and dispute are under review I have maintained communication, provided written requests, and documented everything. I am requesting immediate assistance to resolve this matter.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
OFFICIAL STATEMENT OF FACT : XX/XX/year> I am reporting PNC Bank for a willful violation of 12 CFR 1005.10 ( Regulation E ) regarding a merchant fraud incident involving XXXX XXXX in the amount of {$1400.00}. The Violation : I provided both Oral and Written Notice of Revocation of Authorization to PNC Bank prior to the settlement of a retaliatory fraudulent debit. Under Federal Regulation E, a consumer has the right to revoke authorization for a preauthorized transfer at any time. Evidence of XXXX XXXX XXXX XXXX XXXX. Phone representatives ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ' ) under XXXXXXXX XXXX XXXX XXXX cited an internal " 3-day notice ' policy to justify their refusal to process a legal mandate. XXXX. Supervisors disconnected the call when informed that the interaction was being recorded for legal evidence in the one-party consent state of North Carolina XXXX XXXX. XXXX XXXX XXXX XXXX explicitly admitted in writing that 'the system would not allow ' the bank to comply with the revocation request at this time. The Conclusion : Systemic incapacity is not a legal defense for regulatory non-compliance. PNC is engaging in XXXX XXXX ' by assigning case numbers without providing the federally mandated remedy of blocking an unauthorized merchant pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
I am filing this complaint because NCB Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX with an Account number : XXXX is reporting a collection account on my credit report without proper authorization or validation. This account should never have been furnished because NCB has failed to provide any signed contract, itemized statement of the debt, or proof of collection authority. Adding this account to my consumer report without proper validation violates 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ) under Regulation F, as I was never given a meaningful opportunity to review or dispute the alleged debt. Additionally, reporting this unverifiable collection violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of all reported information, and 15 U.S.C. 1681b, as there is no permissible purpose to furnish a collection account without valid documentation. The inclusion of this unauthorized collection has caused serious harm to my credit score, limited my ability to access financial opportunities, and resulted in unnecessary stress and financial setbacks. I am extremely frustrated by this ongoing issue. I want to ensure that this issue is fully addressed. I demand that NCB immediately remove this unauthorized account from my credit report and guarantee that it will not appear again. The failure to properly validate and investigate this collection is a clear violation of negligence noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o. I have already escalated this issue to the Federal Trade Commission ( FTC ), and I am now asking for the Consumer Financial Protection Bureau ( CFPB ) to help resolve this matter. I expect that you ensure this account is deleted from my credit report and that NCB is held accountable for their failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am filing this complaint against American Express regarding an unresolved issue with my business checking account that has now persisted for over eight months. On XX/XX/XXXX, I received a legitimate client deposit in the amount of {$120000.00} into my business checking account. Shortly after, American Express placed the funds under review. After several days, I contacted their support team and was informed that the investigation had been completed and that a check would be issued to me. I was specifically told to expect delivery by XX/XX/XXXX. However, since that date, I have made numerous follow-up calls and have received inconsistent and concerning responses. On multiple occasions, representatives have told me that the delay was due to internal errors, including statements such as they " forgot to put it in writing, '' which I find highly unprofessional and unacceptable given the amount of money involved. As of today, XX/XX/XXXX, I have still not received my funds, nor have I been given a clear, consistent, or legitimate explanation for the delay. My repeated attempts to resolve this matter directly with American Express have been unsuccessful. This situation has caused significant financial strain and concern, as these are business funds that I am entitled to access. I am requesting immediate intervention to ensure that my funds are released without further delay, along with a full and transparent explanation of what caused this prolonged issue. I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: PA

Complaint narrative:
In XXXX of XXXX, I had a XXXX emergency and ended up in the XXXX for XXXX XXXX. I contacted Discover Card from my XXXX bed to see if they could assist me with my payments. They gave me an option for XXXX months that helped me to keep my payments a little lower until I got back to work. It ended in XXXX of XXXX. Now I must have another XXXX ^ that piggybacks the above. It is scheduled for XX/XX/XXXX and I requested assistance again. They are stating there is no program available to me this time around and if the payments don't get paid they will report me to the credit bureau and that will kill what little credit I have. It's been a XXXX since the XX/XX/XXXX XXXX but then she stated they can't help me until a " XXXX from XX/XX/XXXX '' not a XXXX from the start of it. I requested documentation to show this ; she couldn't provide it. I requested a XXXX month lower interest rate, XXXX said no. I asked to speak to someone higher up to see if any type of exception could be made ; as I have made all my payments and it's withdrawn electronically from my account. She also stated in writing that one is eligible for their programs twice ; but it wasn't available to me. Not being able to work for another XXXX months will break me and I can't speak to a Manager or Director or someone higher than this XXXX. ( XXXX, XXXX ). I just need a little help to get through the next few months and they would rather demolish my credit then help someone who has paid consistantly on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a complaint regarding Synchrony Bank improper credit reporting, abuse to manipulate my score forcing me to bank with only them. i have several accounts with Synchrony bank, and they have manipulated my score on several occasions. they have targeted my score through ways of dropping credit lines or even closing accounts after all my cards are often paid off early and always on time along with all my credit cards. list of cards i have with them : Rooms to go - balance {$1100.00} had over {$8000.00} credit line that was systemically reduced after XXXX XXXX rises as they reduced my limit keeping it at 100 % usage being reported on all XXXX credit reports XXXX credit card- {$0.00} balance XXXX visa- {$0.00} balance care credit - {$0.00} balance, had over {$8000.00} credit line that was systemically reduced after XXXX XXXX rises as they reduced my limit keeping it at 100 % usage being reported on all XXXX credit XXXX XXXX XXXX {$0.00} balance closed after credit line of over {$3500.00} and systematically reduced as I paid off early and ALL payments on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLOSED {$0.00} balance, had over {$7000.00} credit line that was systemically reduced after XXXX XXXX rises as they reduced my limit keeping it at 100 % usage being reported on all XXXX credit reports XXXX XXXX {$0.00} balance XXXX - XXXX over {$15000.00} credit line that was systemically reduced after XXXX XXXX rises as they reduced my limit keeping it at 100 % usage being reported on all XXXX credit reports i have other credit cards with other banks with XXXX balance. Everytime my XXXX XXXX increased, they reduced or closed an account resulting in a drop in my XXXX XXXX. The evidence is they approved XXXX credit card a few months ago for {$1500.00}, and another XXXX, XXXX XXXX, a few months ago. every payment of every card i have is always on time with Synchrony and other I just had XXXX and XXXX XXXX reduce my limit as a direct result of Synchrony bank XXXX XXXX manipulation where I was at 50 % usage that is now 100 %. my other cards are at {$0.00} balance XXXX XXXX cards are {$0.00} balance XXXX accounts with Capital XXXX, {$0.00} balance XXXX accounts with Credit XXXX {$0.00} XXXX XXXX account with XXXX- {$0.00} balance this is clear manipulation of my XXXX XXXX where Synchrony Bank is clearly unjustified of reducing and closing accounts. this is illegal credit practice I am a federally protected 100 % XXXX veteran with an income of over {$150000.00}. my credit report clearly shows ALL PAYMENTS on time, NO NEGATIVE report EXCEPT where Synchrony has illegally manipulated my score preventing me from finding lower interest cards forcing me to continue to bank with them.

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