vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On the final day before interest accrual, Synchrony representatives gave conflicting information about my account, refused a supervisor, disconnected a call without explanation, and impeded my ability to make a timely payment. Only after I stated I would file a complaint did they attempt to assist. I am requesting removal of any interest or fees and confirmation that my account information is correctly updated

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 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I signed up for a deferred interest card thru Mattress Firm. I was not sent the card initially. I called an agent to set up auto pay and was told it was in an amount to satisfy the balance before the interest free period ended. Later the bank changed their online system so I was unable to log in without a physical card, which was never provided I asked for a replacement card to be sent to me. I recently discovered that the amount auto pay was set up for was not in the amount to satisfy the interest free period as I was told when I set up the account and I have been charged approximately {$2200.00} in interest as a result. When calling to resolve this issue I was told I did not have an account and again needed the physical card, which I still don't have. I had a reset code sent to my phone and was able to log in. I have been working with the bank since to try and pay off the balance without the interest as this was how the account was supposed to be paid according to their agent and they are refusing to work with me in any way saying it's my responsibility to have called and despite the account being on auto pay in what I was led to believe would have paid off the 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 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning I saw that inaccurate late payments are still appearing on my credit reports and I am extremely frustrated because I do not understand why they remain. Refreshing my browser did not remove them, and this ongoing issue needs to be resolved immediately by carefully reviewing all of the documents I already submitted so I never have to stress about this again.

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 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This morning I saw that inaccurate late payments are still appearing on my credit reports and I am extremely frustrated because I do not understand why they remain. Refreshing my browser did not remove them, and this ongoing issue needs to be resolved immediately by carefully reviewing all of the documents I already submitted so I never have to stress about this again.

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 non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I am filing a formal complaint against TD Bank regarding a missing {$1000.00} cash deposit and a complete lack of transparency or resolution from branch management and corporate customer service. 

Incident Details : On XX/XX/year>, I visited the TD Bank branch in XXXX XXXX, XXXX  to make a deposit of {$1900.00} in cash and one check for {$120.00}. The teller recorded the check and only {$900.00} of the cash. The remaining {$1000.00} in cash never appeared in my account. 

Timeline and Bank 's Inaction : - Immediate Notification : I notified the branch management of the discrepancy immediately. 
- Repeated Follow-ups : I have visited the branch weekly since XX/XX/year>, seeking a status update. Management consistently promised a written/email update but has provided zero documentation or communication to date. 
- Runaround : Calling the main TD Bank customer service resulted in being redirected back to the unhelpful branch staff. 
- Unacceptable Excuses : I was told the issue would be fixed in 10 days ( it was not ). I was then told the investigation can not proceed until the specific teller returns from vacation, which is an unacceptable delay mechanism for locating missing funds. Management is trying to dismiss any wrongdoing by their employee without proper investigation while actively refusing to provide me with any evidence or communication record. 

My Desired Resolution : I want the missing {$1000.00} in cash immediately deposited into my account. I also require a formal, written explanation of the investigation findings and why communication standards were not met.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc.
State: FL

Complaint narrative:
My account was blocked on my birthday XX/XX/year>. I reached out to the company after being verified to unblock my card and all I get from customer care when I called was that they escalated it and that they are not on the level to do anything more. I spoke with customer care again via email and for the past month even after I asked them to mail my funds and close the account was that they have escalated my ticket to the correct department. DO NOT GET THIS APP OR TRUST THIS COMPANY. IT'S SAD THEY ARE ATTACHED TO THE ROBINHOOD PLATFORM.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/year> @ XXXX PNC Bank XXXX XXXX  took possession of a paper retirement distribution check payable to me ( {$4200.00}, issued by XXXX XXXX XXXX XXXX The bank did not credit my account, did not return the check, and informed me another customer received the funds. PNC has provided no written documentation or provisional credit and has delayed resolution. This involves wrongful negotiation of a check, conversion of funds, and failure to safeguard retirement assets, causing financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
From XXXX XXXX attorney.lauren.shepard.outlook.com ACE CASH Express Debt Recovery Law Center OFFICIAL ACCOUNT NOTICE URGENT RESPONSE REQUIRED Account Reference ID : XXXX Dear Customer, This is an urgent notice from ACE Express Debt Recovery Law Center regarding your outstanding balance of {$1600.00}. Your account has remained unresolved despite prior attempts to contact you, and it now requires immediate attention.

This document serves as an official account reminder, informing you of your status and the payment arrangements available. This is not a legal threat, but it does reflect the need for a prompt response to prevent further administrative escalation within our office.

Effective immediately, and due to previous failed communication attempts, all correspondence must be handled exclusively by email. This is required for accurate record-keeping and verification. 

All communication must be directed to : XXXX XXXX Options XXXX XXXX Required XXXX. XXXX XXXX ( XXXX XXXX ) {$140.00} every XXXX weeks XXXX. XXXX XXXX {$75.00} per week XXXX. XXXX XXXX {$320.00} per month XXXX. One-Time Settlement Option {$980.00} to resolve the balance in full Installment plans apply to the full balance of {$1600.00}, while the settlement option reflects a reduced, limited-availability amount.

Immediate Action Required Please reply as soon as possible with your selected payment option. Your prompt confirmation is necessary so our office can update your file and proceed with the arrangement.

If we do not receive a response, your file may move into additional internal processing, which may delay your ability to secure a reduced settlement or structured payment plan.

Communication Requirement Email Only To prevent further delays and ensure verified documentation : Phone communication is no longer permitted. 
All correspondence must be directed to : XXXX This is the only authorized channel for your account. 

Thank you for your immediate attention. Our office is prepared to finalize your payment plan or settlement as soon as we receive your confirmation. 

Sincerely, Account Resolutions Department XXXX XXXX Debt Recovery Law Center XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CO

Complaint narrative:
Cash App suspended my account and removed my email address without my consent, which immediately locked me out of my account and my funds. I was not given reasonable time to submit documentation before my access was disrupted. 

Cash App requested proof of address, but I am temporarily living with my mother and do not have utilities or a lease in my name. I asked the assigned supervisor whether alternative documentation could be accepted, but this request was denied. 

As a result, Cash App is withholding {$140.00} my entire remaining balance, causing financial hardship. I am requesting restoration of my account or immediate release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: TN

Complaint narrative:
I am filing a complaint regarding incorrect billing and failure to correct my account by Upgrade , Inc. ( XXXX XXXX XXXX 

XXXX is sending overdue and missed payment notices for XX/XX/XXXX and XX/XX/XXXX despite the fact that both payments were made and cleared from my bank account. I have bank statements proving the payments were successfully processed. 

Additionally, a debit card dispute related to a duplicate charge was resolved in my favor by my bank, XXXX XXXX XXXX XXXX, on XX/XX/XXXX. Since that resolution, Upgrade has continued to misapply payments, claim missed payments, and send collection notices.

I notified Upgrade in writing and provided proof of payment, but they have failed to respond or correct the billing errors. I am concerned about improper collection attempts and potential inaccurate credit reporting. 

I am requesting that Upgrade : Correct my account to reflect that XX/XX/XXXX and XX/XX/XXXX payments were received Cease all incorrect delinquency notices Confirm in writing that no negative credit reporting has occurred or will occur related to these disputed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: IL

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication dated XX/XX/2026, regarding the alleged debt referenced above. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide the following : 1. The amount of the alleged debt, including an itemization of any interest, fees, or other charges.

2. The name and address of the original creditor.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of any judgment, if applicable.

5. Proof that your agency is licensed or authorized to collect debts in my state. 

Until this information is provided, please cease all collection activities and communication regarding this account. 

This request is not a refusal to pay, but a request for verification. Any attempt to report this debt to a credit reporting agency without proper validation may constitute a violation of federal law.

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I took out a tax advance loan from turbo tax. And in order to do that, they require you to go through the credit karma app. I had an account with them previously, but they reopened my account that I had during tge process of being approved through turbo tax. I knew my log in and email tied to the account but when I signed in, it made me update any information that needed to be updated. I updated both email and phone number. After doing that and being able to log in, I realize that my money came but I have no access to retrieve the money. When I try to call customer service it says my account is closed and doesnt allow me to go forward. I tried going through the fraud department and now no one answers. They only allow me to talk to someone through chat and they keep transferring me to people that cant help. There is no time frame for them to lock your account, its apparently up to the system and there is nothing anyone can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Since XXXX  bankruptcy Judge and lawyers stated to shell point mortgage they are not allowed to ever call my home or residence due to their harassment and times in the early morning they would call. This was also backed up by certified letter to the company back in XXXX. 
In XX/XX/XXXXXXXX  they started calling my residence at XXXX XXXX  to XXXX XXXX  in the morning for marketing purposes. 
I have contacted them via phone XXXX times ( Recoding 's of phone calls have been made ) every customer service rep has stated they fixed this and constantly repeat the same lines, but this company is still calling my residence. Sometimes 3 times a day now. 
Today is XX/XX/XXXXXXXX  and they just called my residence again. 

They do not care about procedure ; they do not care about law or policy they do what they want and ignore people. 
They need to stop [ harassing my residence and learn to listen to the law themselves. 
There companies ' representatives are naive, ignorant, do not understand XXXX, XXXX, hang up the phone like children and lie when they say " We fixed this issue '' when they never did anything. Now I have to once again waste 40-60 minutes calling these people to fix this just so they can simply ignore me and waste my time once again. 
They need to stop calling my residence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: TN

Complaint narrative:
Balanced Health Care Receivables calls my personal cellphone constantly. My cellphone is set to record transcripts when calls are ignored. The information that appears on this transcript is not accurate as they are calling me by a male 's name first and then my name proceeding. The name of the male that they call me is a known name. The name is one of my family members. There is no account number mentioned in the call, there is no medical facilities name mentioned in the call. I am unable to verify the debt. I have received no letters from their company speaking of any debt as listed on the constant phone calls. They do list their website on the message, and give instructions to go there for information, but when doing so the website requests an account number. The repeated phone calls mention nothing of an account number. There is no way for me to verify the debt short of calling the company directly. This is something that I am not comfortable with and will not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citi prevented me from making a timely payment due to an account lockout that occurred without a password change. Citi required a physical card to reset access. I requested a replacement card, which Citi failed to deliver. I contacted customer support multiple times but still could not access any payment method. Despite good-faith efforts, I was charged late fees and interest. I am requesting reversal of all fees and interest and correction of any negative credit reporting. 

I had to pay late via live chat in XXXX, and I called in XXXX to try and gain access to my account. I was told that I could not access the account without a card, and that they would send me card. They never sent me a card. I had major XXXX on XX/XX/XXXX, and I have not been able to resolve this issue or gain access to the account to make payments. Prior to this I made every payment on time.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Account Number To Whom It May Concern, I am writing in response to your communication dated XX/XX/2026, regarding the alleged debt referenced above. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide the following : 1. The amount of the alleged debt, including an itemization of any interest, fees, or other charges.

2. The name and address of the original creditor.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of any judgment, if applicable.

5. Proof that your agency is licensed or authorized to collect debts in my state.

Until this information is provided,
please cease all collection activities and communication regarding this account.

This request is not a refusal to pay, but a request for verification. Any attempt to report this debt to a credit reporting agency without proper validation may constitute a violation of federal law. 

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
CONVERGENT OUTSOURCING is falsely reporting on my credit. I have never had any accounts with them. Per my research CONVERGENT OUTSOURCING is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief