vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliphant United, Inc.
State: MS

Complaint narrative:
On XXXX XXXX, XXXX, I requested validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). They failed to provide proper validation within the required time frame of 30 days. On XXXX XXXX, XXXX, I received a billing statement from this agency. This document does not constitute proper validation. A billing statement or account summary is insufficient to establish that I owe this debt or that your agency has the legal right to collect it. On XXXX XXXX, XXXX, I sent a failure to validate/insufficient validation letter providing them with an additional 15 days to respond. Its now XX/XX/XXXX but the company again failed to provide any validation. They are still reporting this to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: GA

Complaint narrative:
I am filing a complaint regarding an unverified rental debt that is being reported and/or collected. The lease in question was signed in XX/XX/XXXX for a term from XX/XX/XXXX through XX/XX/XXXX. However, I never moved into the unit. I did not pick up keys, did not complete any move-in inspection checklist, and never took possession or occupied the property at any time. Despite this, the account was reported to my credit in XX/XX/XXXX for a balance of {$7800.00}. I requested validation of this debt, including proof of move-in/possession and an itemized breakdown of charges. In response, I was only provided with a copy of the signed lease and a statement of charges. The statement inaccurately claims that I moved out on XX/XX/XXXX, and includes charges for rent from XXXX through XXXX. This is incorrect, as it would have been impossible for me to move out when I never moved in or occupied the unit in the first place. The remaining balance appears to be accelerated rent charges for the rest of the lease term. No documentation has been provided to show that I took possession of the unit, such as key issuance, a move-in inspection checklist, or any occupancy records. Additionally, no documentation has been provided to demonstrate efforts to mitigate damages, such as re-leasing the unit. This debt has not been properly validated, and the amount being reported is inaccurate and unsupported. I am requesting that this account be removed from my credit report and that all collection efforts cease unless proper documentation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I am filing a formal regulatory complaint requesting immediate intervention by the Consumer Financial Protection Bureau ( CFPB ) against FIRST FRANKLIN FINANCIAL for their systemic, willful, and ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ). For over 12 months, I have repeatedly submitted detailed disputes regarding a materially inaccurate and unverifiable tradeline being reported on my consumer credit file. Each dispute included clear and compelling documentary evidence demonstrating the inaccuracy of the account. Despite this, FIRST FRANKLIN FINANCIAL has willfully failed to conduct a reasonable reinvestigation as required by federal law. Instead, they have relied on a superficial, automated verification processbelieved to be conducted through the e-OSCAR systemresulting in repeated, XXXX verifications of the disputed account without any meaningful human review or substantive evaluation of the evidence provided. This pattern of conduct constitutes a direct and knowing violation of federal law and binding legal precedent, including Johnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ), which explicitly prohibits furnishers and consumer reporting agencies from relying on cursory or automated procedures in lieu of a genuine reinvestigation. In good faith, and in an effort to avoid formal arbitration and federal litigation, I served FIRST FRANKLIN FINANCIAL s Legal Department with a Pre-Arbitration Settlement Demand, providing a 15-day opportunity to cure these violations by deleting the inaccurate tradeline. They have deliberately ignored this demand. As a result, FIRST FRANKLIN FINANCIAL continues to publish and disseminate false, incomplete, and highly damaging information about me to third parties, causing ongoing financial harm, reputational damage, and unlawful suppression of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
In XX/XX/year>, my credit card was stolen and subsequently used to make unauthorized transactions in XXXX, XXXX. I do not reside in XXXX and was not present there at the time these transactions occurred. After becoming aware of the activity, I promptly reported the unauthorized charges to XXXX and initiated a fraud claim. The charges were clearly inconsistent with my normal usage patterns and location. I did not authorize any individual to use my card, nor did I participate in or benefit from these transactions. XXXX conducted a review and denied my fraud claim, stating they were unable to determine that fraud had occurred. As a result, they are holding me responsible for the balance associated with these unauthorized transactions. I believe this decision is incorrect. The transactions occurred in a location where I do not live, using a card that had been stolen. Despite reporting the issue in a timely manner, XXXX failed to properly resolve the fraudulent activity and has continued to hold me liable for charges I did not authorize. I am formally disputing unauthorized charges on my XXXX credit card account ending in XXXX. My card was stolen, and transactions were made in XXXX, XXXX location where I do not reside and was not present at the time of the transactions. I did not authorize, participate in, or benefit from these charges in any way. Upon discovering the unauthorized activity, I promptly reported the fraud to XXXX. Despite this, my claim was denied, and I was informed that I remain responsible for the balance. This determination is incorrect. To be clear : The charges in question were not made by me I did not give permission to any individual to use my card I do not live in XXXXXXXX XXXX, where the fraudulent transactions occurred I reported the issue as soon as I became aware of it Under the Fair Credit Billing Act ( FCBA ), I am not liable for unauthorized charges resulting from theft or fraud once reported. XXXX has failed to properly investigate and resolve this matter in accordance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
REFERENCE TO COMPLAINT XXXX Synchrony bank account hold and conflicting information I am filing an additional complaint against Synchrony Bank due to ongoing issues with an account hold that has not been resolved despite my full compliance with their requests. Synchrony Bank initially requested that I submit verification documents, including identification and proof of address. I submitted the requested documents as instructed. However, I have received conflicting and inconsistent information from multiple representatives regarding the status of my documents On XX/XX/XXXX, I was told by XXXX that my documents had not been received and asked me the address I sent it to and he informed me that's the wrong address, the correct address is ATTN XXXX XXXX XXXX XXXX ( which is on the letter ). On XX/XX/XXXX, I was told by a representative that my documents were received on XX/XX/XXXX. I called back and spoke with XXXX and she stated she do not see that the documents was received and don't see any on file. The level of inconsistency clearly indicates an internal issue within Synchrony Bank 's systems or processes. I have complied with every request made of me, yet my account remains on hold with no clear resolution. I find it unacceptable that I am being asked repeatedly to submit the same documents, representatives are providing contradictory information, the verification link not verifying me, there is no accountability or clear timeline for resolving the hold but they will expect my payment on time. This situation has caused unnecessary stress, inconvenience, and disruption to my ability to access my account. I AM REQUESTING THAT THE HOLD BE MOVED OF MY ACCOUNT WITHOUT DELAY ... ASSURANCE THAT I WILL NOT BE REQUIRED TO REPEATDLY RESUBMIT DOCUMENTS OR VERIFICATION LINK DUE TO INTERNAL ERRORS. Synchrony Banks 's handling of this matter reflects poor internal communication and lack of proper document tracking. I expect prompt resolution and accountability. Sincerely, XXXX 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 2026-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I sent my payment in full to XXXX XXXX XXXX provider Commity Bank from my financial institution, XXXX. The payment was sent 10 days prior to the due date. Commity Bank didn't apply my payment until after my due date although it was received well before the due date. As a result, the bank demanded that I pay a late fee and interest charges on the amount. The bank, although I provided proof that I paid on time, is on a monthly basis adding fees and interest to an account I paid in full. As a result, the bank is trying to degrade my credit score and calls my children, my office, my cell phone with harrassing voice mails. This bank needs to be investigated for preditory practices. The credit reporting agencies are no help as they don't care that I proved I paid, in full and on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: IN

Complaint narrative:
I have been an XXXX customer for approximately XXXX years and have consistently used the same payment methods without issue. Around XXXX days ago, I attempted to make a payment on my account, but the system would not accept any of my payment methods. My bank account is being rejected with a message stating that checking accounts are not accepted for this payment. Additionally, while XXXX of my cards appears in the system, it can not be selected to complete a payment. I have also attempted to use XXXX XXXX, which is not being accepted. Because of this issue, my payment became overdue, and my {$4000.00} spending limit was reduced to {$0.00}. I currently have an overdue balance that I have been actively trying to pay, but I am unable to do so due to these system restrictions. I have contacted XXXX customer service XXXX separate times. Each time, I was told that no payment attempts were showing on their end, which does not address the actual issuethat I am unable to add or use any payment method at all. I was also told the issue would be escalated, but I have received no follow-up or resolution. I have made every possible attempt to resolve this on my end, and there is nothing further I can do. This issue is the result of a failure in XXXX system, yet I am being penalized with an overdue balance and loss of my spending limit. I am requesting that XXXX immediately resolve this issue, allow me to make my payment, correct the overdue status, and reinstate my {$4000.00} spending limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am filing a complaint against PayPal regarding unauthorized transactions and their attempt to collect a balance that includes fraudulent charges. On my PayPal account, transactions totaling approximately {$500.00} were made without my authorization. I did not approve these transactions, nor did I knowingly benefit from them. Upon discovering the issue, I immediately contacted my bank, which investigated and determined the charges to be fraudulent. The bank reversed the charges accordingly. There was also a separate charge of {$8.00} that was legitimate ; however, this amount was included in the bank reversal as part of the overall dispute. PayPal conducted its own investigation and determined that the transactions were authorized. However, I was not provided with sufficient evidence supporting this conclusion. I have not been given details such as the device used, IP address, or any proof that I personally authorized these transactions. As a result, PayPal has placed my account into a negative balance of {$500.00} and has informed me that this balance may be sent to collections. I have also been told that I can not close my account unless this amount is paid in full. I have made multiple attempts to resolve this matter directly with PayPal. I have clearly stated that the majority of this balance is fraudulent and unauthorized. I also expressed my willingness to pay the {$8.00} legitimate charge ; however, PayPal has not provided a safe or reasonable method to do so without linking a bank account, which I am hesitant to do due to the prior unauthorized activity. Despite my good-faith effort to resolve the valid portion of the balance, PayPal continues XXXX pursue the full amount, including the Disputed fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
Issue : Mortgage servicing errors, wrongful default, and unaffordable loan modification Complaint : I am submitting a complaint regarding mortgage servicing errors that resulted in a wrongful default, foreclosure initiation, and an unaffordable loan modification. I was approved for and performing under a XXXX XXXX XXXX XXXX XXXX XXXX. During the trial period, servicing of my loan was transferred. I received notice of the initial transfer but did not receive notice of a subsequent transfer back. As a result, I made payments in good faith to the servicer that had been instructing me to pay. Due to this servicing transfer confusion and lack of proper notice, my payments were misdirected. Despite my good faith efforts, my XXXX XXXX XXXX was failed, my loan was placed into default, and foreclosure proceedings were initiated. To stop foreclosure, I was required to accept a permanent loan modification. This modification capitalized a significant amount of arrears and resulted in a substantially higher monthly payment. I have since determined that the modified payment is not affordable and is not sustainable based on my financial circumstances. The current situation is the direct result of servicing errors, including failure to provide proper notice of servicing transfer and misapplication or misdirection of payments. I was not in default due to inability to pay, but due to servicer-related issues. I am requesting : A full review of my loan history and servicing transfers Correction of any servicing errors Re-evaluation for a sustainable and affordable loan modification Consideration of the impact of servicer error on my current loan balance and payment I am attempting to resolve this in good faith and avoid future default, but the current payment terms are not feasible.

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 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: IN

Complaint narrative:
To Whom It May Concern : This letter serves as a formal notice of dispute regarding inaccurate information appearing on my consumer report, as well as a demand to cease and desist all collection and reporting activities related to these accounts. The accounts in question were previously investigated and deleted from my credit report. Their reinsertion without proper notice or lawful certification is a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i ( a ) ( 5 ), which governs the reinsertion of previously deleted information. Furthermore, under 15 U.S.C. 1681c-2, any information that is inaccurate or the result of identity theft must be blocked from reporting. Your failure to prevent the reappearance of these accounts reflects noncompliance with federal law. Additionally, pursuant to 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy. The continued reporting of these accounts demonstrates a failure to meet this obligation. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., including 15 U.S.C. 1692c ( c ), you are hereby instructed to cease and desist all communication and collection activity related to these accounts immediately. I demand the following : Immediate deletion of all reinserted accounts ; Written certification of the accuracy and verification of these accounts ; The name, address, and contact information of the original creditor and furnisher ; A complete description of the procedures used to investigate this matter ; Written confirmation that these accounts have been permanently removed from my report. Be advised that you are required to notify me within five ( 5 ) business days if any information is reinserted. Failure to comply with this requirement is a violation of federal law. If these matters are not resolved within four ( 4 ) days of receipt of this letter, I will pursue all available legal remedies, including but not limited to seeking compensation for : Reporting inaccurate information ; Failure to conduct a reasonable investigation ; Improper reinsertion of deleted accounts ; Violations of the FCRA and FDCPA ; Any damages caused by your actions. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Indiana Attorney General, as well as pursue legal action if necessary. This letter serves as notice that I am fully aware of my rights under federal law and expect immediate compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I made XXXX payments in XXXX of XXXX. They processed like normal, the money was removed from my checking account but then the payments disappeared and my XXXX loans remained the same. I spoke with someone and they told me because I had loans XXXX that there are multiple account processes that have to occur and that there is no timeframe when they would be completed and during that time any payment would be put on hold. It has been almost a year and nothing has been updated. Please help me out here. I would have already paid off these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: GA

Complaint narrative:
b'I have not received any response from Cash App via email or phone explaining why I am unable to withdraw my funds. All they said was that my account is suspended.\n\nThis situation is especially concerning and embarrassing. My family sent me money through Cash App to support a fundraiser for my daughters school, specifically for purchasing XXXX XXXX. Instead of being able to access these funds, my account has remained locked without explanation.\n\nAdditionally, Cash App contacted my sister to verify that she sent the funds, and her account was temporarily locked as part of this process. While her account has since been restored, mine is still locked, and I have not been given any update or reason for this continued restriction.\n\nPlease reference the following case numbers associated with this issue: \nCase number - XXXX XXXX XXXX \nCase number - XXXX XXXX XXXXnCase number - XXXX XXXX XXXX\n\n\nThis delay is unacceptable, and I need this resolved as soon as possible.\n\nThank you for your urgent attention to this matter. I look forward to your prompt response.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AL

Complaint narrative:
XXXX XXXX is reporting on my credit report. A debt collection that was open on XX/XX/year> in the amount {$4200.00}. I never signed any contract with them for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
A debt collection company, Midland Funding LLC, and their counsel, XXXX XXXX XXXX, are knowingly pursuing a XXXX " zombie '' debt against the wrong individual at my address. On XX/XX/XXXX, a local court order was issued that physically altered the name on the original XXXX judgment from " XXXX '' to " XXXX '' to force a match with a non-debtor ( me ). I have provided state-issued identification, military identification, and physical descriptions proving I am XXXX ' XXXX '' and XXXX lbs, while the person served in XXXX was described in court records as XXXX ' XXXX '' and XXXX lbs. The company has ignored this physical evidence of identity theft to secure a renewal of the judgment. Furthermore, the companys counsel has manipulated the legal process by back-dating certificates of service and bypassing the mandatory e-filing system to hide late filings ( including an XXXX AM late stamp on a deadline day ). Most recently, on XX/XX/XXXX, the company secured summary denials of my identity theft defense in less than XXXX hours after a reply was filed, effectively erasing my identity in the public record. The company is spending thousands in attorney fees to pursue an indigent, judgment-proof XXXX widow for a debt they know is not hers. I am demanding a voluntary dismissal with prejudice to restore my identity and stop this systemic harassment.

Company response to consumer: Closed with non-monetary relief