vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On Thursday of last week I got an email from XXXX saying that my account was suspended due ti violation if user agreement. I saw this on Saturday. I called but customer service had NO information. I sent in my driver ID as requested in the email. My account was reinstated at XXXX on Monday. I called XXXX to confirm this at XXXX on Monday. By XXXX of the same day, it was suspended again- exact same email was sent without ANY rationale. Customer service is of Absolutely No Help. Meanwhile, Venmo has my banking information, m credit information ; and I dont want to close my account because I have a XXXX XXXX XXXX and I dont want to harm my credit rating- which is VERY high. XXXX incompetence is ASTOUNDING to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am formally disputing the reporting of the above-referenced student loan account. This account was previously removed from my credit report. It has since been reinserted and is now reporting with dates and payment history that do not accurately reflect the original delinquency. The reappearance of this account, along with updated or altered dates, raises concerns of improper re-aging and inaccurate reporting. Additionally, the tradeline is incomplete and inconsistent. Key payment history information is missing, and the account continues to be marked as verified despite my prior disputes and without providing documentation demonstrating how the information was verified. Specifically, I dispute : 1. Any change to the original date of first delinquency. 2. Any reporting that extends the legally allowed reporting period. 3. The reinsertion of a previously deleted account without proper notice. 4. Incomplete or missing payment history. 5. Verification responses that do not include documentation or evidence of a reasonable investigation. If this account was reinserted after deletion, please provide : The date of reinsertion The name of the furnisher that verified the information The method of verification used Documentation supporting the accuracy of all reported dates Furthermore, because this is a student loan account, I request confirmation that any disclosure of my educational records or account information complies with the Family Educational Rights and Privacy Act ( FERPA ). If educational records were accessed or shared in the verification process, please provide the lawful basis for that disclosure. Under the Fair Credit Reporting Act, a reasonable investigation is required, and inaccurate or unverifiable information must be deleted. If you can not provide complete documentation supporting the accuracy of this tradeline, I request immediate deletion from my credit report. Please provide written confirmation of your investigation results, along with copies of any documents relied upon to verify this account. I expect compliance within the time frame required by law. I also have sent a letter to the company requesting information.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I originally had XXXX XXXX through XXXX 's. My highest balance on the XXXX XXXX was {$1500.00}. Minimum payment {$68.00}. My balance was transferred to XXXX XX/XX/year> with around a {$630.00} balance. Minimum payment {$90.00}. I called XXXX to find out why my minimum payment is so high. They said they calculate minimum payment off the highest balance of the card. My highest balance of the card was not even with XXXX. My balance carried over to XXXX was only about {$630.00}. This seems illegal. I never signed up with XXXX nor did I agree to enter into a contract with XXXX. The minimum payment is very high. I'm making a complaint because this is an unfair business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 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:
LVNV Funding LLC received my formal debt validation request on XX/XX/XXXX ( XXXX tracking confirms delivery ). Under FDCPA 1692g ( b ), once a consumer disputes a debt in writing, the collector must cease collection activity until validation is provided. LVNV has failed to provide validation. Despite this, LVNV continued reporting and updated the tradelines on XX/XX/XXXX, as reflected on my credit report. Updating and furnishing derogatory information constitutes continued collection activity while validation has not been provided. This is a violation of FDCPA 1692g ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: AmeriCollect
State: ND

Complaint narrative:
I have been receiving many calls from a debt collector AmeriCollect. I send them to voicemail and in every voicemail they state very directly that they are a debt collector which violates FDCPA. I received XXXX on XX/XX/year> as well as today XX/XX/year>. They have also called my work and stated that they were a debt collector and asked for me by name which exposed others to learn about my debt. I am VERY displeased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Complaint Against : American Express XXXX XXXX XXXX On XX/XX/year>, I contacted American Express XXXX XXXX XXXX regarding a {$50.00} gift card my XXXX daughter received for XXXX from her grandmother. My daughter attempted to use the card before activating it. She initially tried calling but did not understand the prompts. I then called to resolve the issue. During that XX/XX/XXXX call, I clearly explained that I did not have access to the purchase receipt. The purchaser is my elderly mother who does not live near us. I was explicitly told that a receipt was not required. The representative instructed me to send photos of the card ( front and back ) and the original packaging ( front and back ). I was told that would be sufficient. I submitted the requested documentation. After receiving no resolution, I called again on XX/XX/year>. I did not request a manager ; I was told I needed to be forwarded to XXXX. During that call, I completed identity verification, answering detailed questions about my daughter, my address, and my drivers license. I was again not told that a receipt was required. I was told the case would be escalated and resolved within approximately XXXX business days. More than a week 's have passed without resolution. When I contacted them again, I was told for the first time that I needed to provide a purchase receipt. I explained that I had already stated I did not have a receipt and that on XX/XX/XXXX I was explicitly told it was not necessary. I was then told I would need an electronic journal from the point of purchase. If a receipt or electronic journal was required, that should have been clearly stated during my first or second call. Instead, I was told the documentation I submitted was sufficient. Only after months of waiting and multiple submissions was a new requirement introduced. During my most recent call, I requested a case number and was told there was none available to provide. I also requested an employee identification number and was refused. I have complied with every instruction given to me. The documentation requirements have changed after the fact, and the issue has now been going on over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I am filing this complaint regarding serious servicing failures by Shellpoint Mortgage Servicing and Newrez involving my XXXX mortgage and unemployment hardship. I proactively notified the servicer that I lost my job before my loan became delinquent and requested hardship assistance. I was placed into a six-month unemployment forbearance. Before that forbearance expired, I contacted the servicer again because I remain unemployed. A representative explicitly instructed me that because forbearance is approved in six-month increments, I should allow the loan to become 30 days delinquent after the forbearance ended and then I would qualify again for unemployment forbearance with no questions asked. I relied on this representation. After following that guidance, I was later told I am not eligible for further assistance and was advised that I must short sell my home. This directly contradicts prior servicing guidance and appears to be either misrepresentation or a failure to properly evaluate FHA loss mitigation eligibility. Key concerns : XXXX. Misrepresentation of Loss Mitigation Eligibility I was instructed to intentionally allow delinquency to qualify for assistance. That instruction materially affected my account status and eligibility. XXXX. Failure to Properly Evaluate FHA Loss Mitigation Options This is an XXXX loan. I was previously informed that past-due amounts could be resolved through an FHA partial XXXX ( HUD subordinate XXXX ) and placed at the end of the loan. I have not received a clear written evaluation of available FHA options despite ongoing hardship. XXXX. Failure to Maintain Effective Single Point of Contact ( SPOC ) I made repeated attempts to contact my assigned XXXX. Calls were not returned. Manager callbacks were requested and not provided. I received inconsistent and conflicting information from different representatives. XXXX. Inconsistent and Contradictory Servicing Guidance I have contacted the servicer monthly and remained fully proactive. Despite this, I have received materially different explanations of my options from different representatives. My hardship is ongoing. I remain unemployed and actively seeking work. I have never refused to communicate, never avoided contact, and have consistently sought assistance before and during delinquency. Telling a borrower who proactively sought assistance and relied on servicer instructions to now short sell or face foreclosurewithout a documented FHA loss mitigation evaluationraises serious compliance concerns.

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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint regarding inconsistent and conflicting delinquency reporting by Bank of America across the consumer reporting agencies. In XX/XX/year>, I discovered that a minimum payment had not been processed as expected. I immediately contacted Bank of America and paid the full amount I was instructed to pay on XX/XX/year>. I was later informed by another representative that the amount originally quoted to me was incorrect and that an additional balance remained. I promptly paid the remaining balance on XX/XX/year>. At no time did I intentionally withhold payment. I relied entirely on the payment amounts provided by Bank of America XXXX and paid exactly what I was told was due. Following these payments, I initiated a dispute. My credit reports then reflected that the account was current and paid as agreed. I received alerts from multiple bureaus indicating that the account status had improved. However, the reporting later changed again. Currently : XXXX reflects a XXXX delinquency for XX/XX/year>. XXXX reflects XXXX days late. XXXX reflects the account as Never Late. Additionally, I received a written investigation result letter from Bank of America dated XX/XX/year> stating that the account was reported as 30 days late in XXXX not 60 days. This creates clear inconsistencies : Bank XXXX XXXX own written findings reference 30 days late. XXXX is reporting 60 days late. XXXX reflects never late during overlapping reporting periods. The account reflected a XXXX balance and paid status during portions of this reporting cycle. The inconsistent and sequential reporting of differing delinquency severities has caused material adverse impact to my credit profile and has impaired my ability to qualify for housing. The harm resulted not from a single reporting event, but from conflicting and re-coded reporting across bureaus during and after the dispute process. I am requesting : A formal review of the severity of delinquency reporting across all bureaus. Correction of any unsupported XXXX delinquency reporting. Confirmation that reporting accurately reflects the creditors own written findings. Verification that no improper or inconsistent updates occurred during dispute and re-reporting cycles. I am attaching : Bank statements showing payments made XX/XX/XXXX and XX/XX/year>. The XX/XX/year> investigation letter from Bank of America. Screenshots showing conflicting bureau reporting. I respectfully request a regulatory review to ensure accurate and consistent reporting under the Fair Credit Reporting Act.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State ZIP ] [ Date ] [ Debt Collector Name ] [ Debt Collector Address ] [ City, State ZIP ] RE : Request for Debt Validation Account Number : [ Account number if known ] To Whom It May Concern, I am responding to your contact regarding the debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, I am requesting validation of this debt. Please provide the following : The amount of the alleged debt with an itemization of charges The name and address of the original creditor Documentation proving I am legally obligated to pay Proof that your company is authorized to collect this debt A copy of any contract or agreement bearing my signature Until you provide proper validation, I request that all collection activities cease. I also request that communication be conducted in writing only. Sincerely, [ Your Signature ] [ Your Printed Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IL

Complaint narrative:
Proper validation of this debt can not be verified a copy of the original signed contract or agreement full account history and chain of ownership proof of their legal right to collect on this debt which can not and have not been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NE

Complaint narrative:
I am a confirmed XXXX XXXX XXXX XXXX and am submitting this formal complaint regarding fraudulent accounts currently reporting on my consumer credit file. I have already obtained an official Identity Theft Report through XXXX ( FTC ), which is attached to this complaint. Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are legally required to block fraudulent information within four ( 4 ) business days of receiving a valid Identity Theft Report. The following account ( s ) are fraudulent and were opened without my authorization : Creditor : Aldous and Associates Orginal Creditor : XXXX XXXX Account Number : XXXX Balance : {$2000.00} These accounts do not belong to me. I did not authorize, apply for, benefit from, or have knowledge of these accounts. Despite my dispute and submission of documentation, this fraudulent information remains on my credit file, which constitutes noncompliance with federal law. I am formally demanding : Immediate blocking and permanent deletion of the fraudulent accounts Written confirmation of the block/deletion Prevention of any reinsertion of this information without proper certification as required under FCRA 611 ( a ) ( 5 ) ( B ) Failure to comply with FCRA 605B may constitute willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o. I expect prompt resolution and written confirmation within the legally required timeframe. I have attached a copy of the identity theft report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Debt collection continued collection without proper validation / unauthorized interest Complaint : I previously disputed this debt in writing and provided a formal notice explaining the validation deficiencies. The collector responded again on XX/XX/year> with the same internal Final Account Statement, which confirms : The lease was cancelled/denied No tenancy occurred No rent was ever charged The collector still has not provided any signed lease or contract establishing a legal obligation. Additionally, the collector continues to increase the balance by adding interest even though no agreement exists that authorizes interest on application-stage charges. Despite receiving written notice of these deficiencies, the collector continues to report this account to the credit bureaus. This constitutes : Collection of amounts not expressly authorized Reporting of information that can not be verified as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Click n' Close, Inc.
State: MI

Complaint narrative:
Well I have had multiple times with this mortgage company where they have refused payment from me on several different occasions where it put me into foreclosure status and I worked my way out of that then they refuse the latest payment from me because they said they couldn't find the account number when I have documentation from my bank statement with the account number on it clearly. So with that being said it is probably gon na put it back on foreclosure status plus it is damaging my credit score with them stating it's a late payment. All I am trying to do is pay it on time without all the unnecessary stuff and still have a place for me and my XXXX XXXX XXXX daughter to live

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This letter serves as formal notice that I dispute the validity of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. You are hereby required to cease all collection activities until you provide proper validation of the alleged debt as required by federal law. Specifically, I request that you provide the following : 1. The full name and address of the original creditor ; 2. The complete account number with the alleged debt ; 3. An itemized accounting of the amount claimed, including principal, interest, fees, and other charges ; 4. Copies of any written agreement, contract, or instrument bearing my signature evidencing my obligation to pay ; 5. A copy of the assignment contract, bill of sale, or other legally binding document evidencing your authority to collect this debt, including proof that the alleged debt was legally transferred or assigned to your company ; 6. Documentation establishing your legal standing and capacity to collect in my state. If you are unable to provide the above documentation, you must immediately cease collection efforts and notify any credit reporting agencies to which you have furnished information that the account is disputed. Furthermore, should you report or continue to report this account to any consumer reporting agency without marking it as disputed, such action may constitute a violation of the Fair Reporting Act ( 15 U.S.C. 1681 et seq. ). Please note that I request all future communications be conducted in writing only. I expect your full compliance within the time period prescribed by law. Failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Office of the Attorney General in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, Synchrony Bank issued a written letter stating that if I paid {$1500.00} by XX/XX/XXXX, the deferred interest charge of {$3300.00} would be waived on my XXXX XXXX/Synchrony account ending in XXXX. Before the deadline, I contacted Synchrony to make the {$1500.00} payment referenced in the written offer. However, I was informed that I must pay {$1800.00} instead. This amount contradicts the written settlement offer. I am requesting that Synchrony honor the written payoff amount of {$1500.00} and confirm in writing that upon receipt of that amount, the {$3300.00} deferred interest will be permanently waived.

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