vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am respectfully requesting the CFPBs assistance in resolving an ongoing issue with Portfolio Recovery Associates , LLC regarding an alleged debt in the amount of {$2700.00} that remains unvalidated and is continuing to be reported on my credit file. 

On XX/XX/XXXX, I submitted a formal debt validation request to Portfolio Recovery Associates , LLC via certified mail. This request sought a copy of the original contract bearing my signature, documentation establishing their legal authority to collect on the account, and a complete account history, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

My certified letter was sent to : Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXX, VA XXXX I received the USPS return receipt confirming delivery and receipt of my request. However, to date, I have not received any of the requested documentation or sufficient verification of the alleged debt. 
On XX/XX/XXXX, I filed a formal dispute with XXXX  requesting verification and a reasonable investigation of this account. On XX/XX/XXXX, I was notified that my dispute was denied, despite the fact that no validation or supporting documentation has been provided by the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery has put this fake fraudulent account on my XXXX  credit report. I need this fake fraudulent account off all of my credit reports ASAP. I do not know these people and Im not paying a dime. This fraudulent account will have me to sue them if it is not off of my credit report. They got 10 days to verify and validate this fake fraudulent account. with my signature the bill of sale of this account and the owner of this account and how they became the owner of this account and show me the legal document showing that they can collect on this debt prove that is mine if not, I will take this to court and sue them for defamation. And slander.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
Greetings, I have an open case with you all and the agency XXXX XXXX XXXX XXXX has sold fraudulent debt to a third party debt collector that is contacting me I also have the document and information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I had a lot of my information stolen along with my XXXX XXXX wallet being compromised. I reported transactions. Which further made me go through my past year of statements and realize there were more that I didnt realize. Once I placed those in dispute. They closed my accounts is what Im assuming with money still sitting in my account that I can not use.

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 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
The collector Southwest Union credit stop calling me. You guys keep calling me. I will sue and I will file a complaint with the customer protection bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: 21ST MORTGAGE CORP.
State: UT

Complaint narrative:
Our loan company 21st mortgage accepted a falsely classified appraisal ( as a manufactured home instead of a mobile home ) with incorrect sales price number, failed to identify a HUD # and labeling broken windows as good, we were not aware of the windows being in such poor condition until after we moved in in which the seller replaced the two windows that didn't lock at all which were the exact windows that the appraiser took a picture of and labeled as good condition, community office for our lot rent has a section stating that excess moisture is grounds for eviction how can we be on grounds for eviction for something that was there before we had possession of the property, which should have been caught by the community office inspection, or the appraiser and somebody should have notified us, which never happened. This house should not have been satisfactory to be sold due to their community packet rules also the appraisal should not have been accepted by the loan company. We have filed a formal complaint with the Utah department of appraisal on XX/XX/year>, they haven't gotten back to us yet, nor the appraisal or the loan company are willing to compensate us or do anything for us at all, we are in a insurance claim having the floors and walls ripped out that is directly linked to excess moisture and failed plumbing that was a problem before we had possession. The appraisal company told us that we were supposed to get a inspection done when we moved in nobody told us that at all when we bought it. 21st mortgage company which is not a true mortgage company they're just a loan company they line their pockets with 90 % of our payments every month our loan was for {$91000.00} after we make all of the payments to them we will have paid them {$350000.00} what a scam XXXX to live in a home with all broken windows that don't seal properly plumbing problems electrical problems the furnace was XXXX XXXX XXXX when we moved in water heater was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NVR INC.
State: MD

Complaint narrative:
I completed a full FHA mortgage loan application with NVR Mortgage Finance , Inc. on XX/XX/year>. 

On XX/XX/year>, NVR Mortgage verbally advised me that my FHA loan was denied. At that time, I was urged to change the loan to a conventional mortgage instead. 

Despite communicating the denial, NVR Mortgage is refusing to provide the required written Adverse Action Notice. Under the Equal Credit Opportunity Act and Regulation B, lenders must provide a written notice when credit is denied.

The refusal to issue the denial letter is preventing me from exercising a contractual financing contingency and recovering my deposit. I am requesting immediate issuance of the required adverse action notice and review of this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I received an email from Syncrony Bank stating that I had a recent purchase at Amazon and had opened up a Pay Later Loan with their bank. No Amazon purchases were made on this date, I confirmed this with Amazon that no payments had been made. Amazon also told me that I had no Syncrony account connected to my Amazon account. 

On XX/XX/year> I received an e-mail from Syncrony Bank stating that I had made a purchase on Amazonn, I had made a purchase but paid it in full with my regular XXXX Credit Card. I again called Amazon who confirmed that the payment was made in full and that I had no connected account with Syncrony. They advised me to call Syncrony.

I called Syncrony to report that this account was opened fraudulently. Syncrony asked for my full social security number and address. I told them I would not provide further information when i suspected fraud was occurring. Syncrony would not confirm a mailing address that they would be sending a cancellation confirmation to and would not provide details on how this account was opened, by whom, and what other information they had. Syncrony was reluctant and unwilling to resolve this.

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 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
So my father my signature and I went to the courts to get them to look into it and it was granted to me that my name should be removed and dismissed from the eviction because it was very clear that my father used my information to get a house and this has been holding me back from getting a place

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 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Inaccurate information on report Account does not belong to me My information was exposed in a data breach. This should be removed off my report before 30 days

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I get at least one call a day from Syncom. When I have tried to answer, there is no one on the line. Music plays for a short amount of time and then the call disconnects. When I don't answer, they never leave a message. I have no idea what they are trying to contact me about and have had no way to tell them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash App closed my account for alleged suspected fraud after I disputed a transaction. Despite closing my account and disabling most features, Cash App has kept my Cash App Borrow loan active and continues to accrue interest. 
I borrowed {$200.00}. My balance is now {$240.00} due to interest. Cash App has disabled my cards and does not allow me to add a card or access any repayment method. Every attempt to repay results in an error or blocked access.

At the same time, Cash App repeatedly emails me demanding payment on the loan. This places me in an impossible situation where I am being asked to pay a debt while Cash App actively prevents me from doing so. 
Cash App has not provided any manual repayment option, interest freeze, or resolution despite my attempts to pay. Continuing to accrue interest while blocking repayment is unfair, deceptive, and bad-faith servicing. 
This situation caused significant stress and XXXX, and I was prescribed an antidepressant after these events. 
I am willing and attempting to repay the loan, but Cash App has made repayment impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>XXXX  at approximately XXXX XXXX, I made a {$750.00} purchase through XXXX for tires and installation using my Chime debit card. The transaction utilized available funds as well as Chime overdraft coverage. 

On XX/XX/year> at approximately XXXX XXXX, I received confirmation from XXXX that the transaction was being refunded/released and that the funds should be made available immediately. 

When I contacted Chime customer service on XX/XX/year>XXXX  I spent over one hour speaking with both a representative and a supervisor. I was told that the funds were never taken and were returned on XX/XX/year>. However, there is no transaction, credit, balance adjustment, or ledger entry on my account statement showing the return or reinstatement of {$750.00}. 

Chime representatives claimed that the missing funds were the result of me transferring my own money to savings. This explanation is incorrect and unsupported by transaction records. Internal transfers do not account for a missing authorization reversal of {$750.00}, particularly when overdraft funds were involved. 

XXXX has confirmed that the authorization was released and that Chime is responsible for making the funds available. The transaction no longer appears on my statement, yet the funds were never restored to my available balance. I retain documentation of the purchase, the card used, and confirmation of overdraft usage. 

Chime has failed to provide a clear accounting of where these funds were applied or returned, which constitutes improper handling of an electronic fund transfer under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2026-01-21 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: TN

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 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Issue Summary : I am filing a complaint regarding an unexpected interest charge on my Synchrony Bank credit card following the end of a promotional 0 % APR period. I requested a onetime courtesy adjustment, but Synchrony refused and stated they were unable to provide any waiver due to fair lending restrictions. I believe this response is inappropriate and does not accurately reflect the nature of my request. 

What Happened : I had a promotional 0 % APR period on my Synchrony credit card. When the promotional period ended, an interest charge of {$3400.00} was applied to my account on XX/XX/year>. I contacted Synchrony Bank to request a onetime courtesy adjustment or goodwill credit. I was not asking for a change to my lending terms only a discretionary customer service credit based on my account history. 

Throughout the promotional period, I significantly paid down the balance and consistently made ontime payments. I have maintained responsible account management since opening the card, and based on this history, I believed I qualified for reasonable consideration of a goodwill adjustment. 

Despite this, Synchrony repeatedly refused to review or adjust the charge. Multiple representatives stated that they were unable to provide any courtesy credit due to fair lending restrictions. This explanation does not seem accurate, as goodwill credits are discretionary and do not constitute a change to lending terms. I believe my request was not properly reviewed. 

Why Im Requesting CFPB Assistance : I am asking for a fair review of the interest charge and for Synchrony to consider a onetime courtesy adjustment based on my ontime payment history, significant balance reduction, and responsible account management. I am not disputing the promotional terms ; I am requesting a standard customer service accommodation that other issuers routinely provide.

Synchronys refusal to review the matter and their reliance on fair lending restrictions appears to be a misapplication of policy and prevents customers from receiving reasonable consideration.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
On XX/XX/year>, a {$380.00} Apple Card transaction hit my account. Shortly after, I disputed this charge stating it was unauthorized. Goldman Sachs has repeatedly denied my dispute and continues to maintain that the transaction is legitimate. Their reasoning appears to rely heavily on the fact that the transaction was completed using Apple Pay, implying that because Apple Pay requires device-based authentication ( Face ID/Touch ID/passcode ) and tokenization, the purchase must have been authorized by me. 

I did not authorize this transaction. I have requested multiple times that Goldman Sachs provide the specific evidence and documentation they used to support their denial ( including the merchants representment documents/receipt, proof of purchase, transaction environment details, and any support for the claim that this was an in-person purchase ). Goldman Sachs has not provided meaningful details or a dispute evidence packet to substantiate their conclusion. 

I also filed a police report regarding this unauthorized charge and provided/referenced it during the dispute process, but the dispute was still denied. 

Additionally, I conducted significant independent research on the company/merchant associated with this charge. The merchant does not appear legitimate or operational : there is no merchant website, minimal public information, and it appears to be a dormant business. I have attached screenshots showing this. I was also informed that Goldman Sachs has been unsuccessful in reaching the merchant, which further supports that this transaction is fraudulent and not a legitimate customer-authorized purchase. 

Goldman Sachs has also claimed that this purchase was made in person, which I dispute. I included a screenshot showing a XXXX mileage transaction documenting the only address I visited that day ( XXXX, Oregon ). This directly conflicts with any claim that I made an in-person purchase from this merchant. 

Given the lack of credible merchant information, the banks inability to contact the merchant, the disputed in-person claim, and my supporting documentation, it is not reasonable for Goldman Sachs to treat this charge as legitimate solely because Apple Pay was used. I am requesting CFPB assistance to require Goldman Sachs to reopen the dispute, conduct a proper investigation, provide the dispute evidence packet, and reverse the unauthorized {$380.00} charge, including any related fees/interest, and confirm no negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHER COLLECTION SE is falsely reporting on my credit. I have never had any accounts with them. Per my research AMSHER COLLECTION SE 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
SoFi gave me a term but then added hidden fees so I had to deal with a debt consolidate to handle the issue but they wasnt paying them the company was national debt relief

Company response to consumer: Closed with explanation