vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hello, I am submitting this complaint regarding a refund that I am owed from Synchrony Bank related to an installment loan issued through XXXX XXXX for services with XXXX XXXX XXXX XXXX. XXXX XXXX did not provide the contracted services and ultimately issued a refund to Synchrony Bank so that the funds could be returned to me. Despite receiving those funds, Synchrony Bank has refused to return my money for many months. Since before XXXX of last year, I have called Synchrony more than 60 times attempting to resolve this issue. I have repeatedly asked to speak with supervisors and requested that the matter be escalated, but I have been given conflicting explanations and excuses each time as to why my refund has not been sent. At one point, Synchrony claimed they issued a refund check, but then stated that the check was voided the following day because they said they needed to wait for a dispute with my bank to conclude. However, there was never any dispute or investigation with my bank that would justify withholding the refund. Later, Synchrony claimed that another refund check was issued in XXXX. That check was never received. My residential building has a concierge and secure package room, and there is no record of any delivery. Synchrony has been unable to provide any tracking information despite stating that such tracking exists. Most concerning, representatives have now told me directly that they will not issue another refund check. In other words, Synchrony Bank is refusing to reissue a lost check and is effectively withholding funds that belong to me. I have recordings of many of these calls documenting the statements made by Synchrony representatives and their refusal to resolve the matter. At this point, Synchrony Bank is unlawfully refusing to return funds that were refunded to them on my behalf. I am requesting immediate intervention to require Synchrony Bank to reissue my refund without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: NY

Complaint narrative:
This is an inaccurate and Uknown account reporting on my credit report. This is a violation of the FCRA and FDCPA and the account needs to be deleted immediately or i will be taking actions against TRUE ACCORD TO SEEK MY REMEDY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
I have attempted to make contact with Planet Home Lending and continue to get disconnected when online and call times are up to 1 hour without anyone picking up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: WY

Complaint narrative:
I received a text message this morning XX/XX/year> from my brother who had received a text from Jefferson capital systems LLC stating that my XXXX XXXX was at collections and it gave a link and everything to pay it. I never once gave permission for them to reach out to him nor have I ever provided his phone number. I believe this credit card is from years ago and have not received anything in my mail from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Since XXXX, I have noticed that my mortgage statements sometimes showed unexplained changes in the amounts applied to principal, interest, and escrow. After I had to file for bankruptcy, these issues became significantly worse. * * XX/XX/XXXX statement ( XX/XX/XXXX ) : * * Several payments were applied and then reversed the same day. For example, a * * {$1000.00} * * payment was followed by a * * {$520.00} * * reversal. Multiple payments were placed into unapplied funds, and the statement shows * * {$2400.00} * * in partial/unapplied funds. * * XX/XX/XXXX statement ( XX/XX/XXXX ) : * * XXXX * * {$1000.00} * * payment on XX/XX/XXXX was followed by * * {$800.00} * * and * * {$280.00} * * reversals. Payments made in XXXX ( such as * * {$540.00} * *, * * {$230.00} * *, and * * {$540.00} * * ) were placed entirely into suspense instead of being credited toward the monthly payment. Because of these misapplications, the servicer treated my XX/XX/XXXX payment as unpaid even though funds were sent. I called and was told that they had applied my payments in XXXX to amounts I owed from prior months On * * XX/XX/XXXX * *, I received a delinquency/foreclosure warning claiming I was * * XXXX payments past due * * for * * XX/XX/XXXX * * and * * XX/XX/XXXX * *, totaling * * {$2700.00} * *, even though the statements show the servicer was holding and reversing payments instead of applying them correctly. This has resulted in inaccurate delinquency status, foreclosure threats, and significant stress. I am requesting a corrected payment history, proper application of all payments, and removal of any wrongful delinquency or foreclosure activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Validation of Debt Request - PORTFOLIO - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
Summit A * R Re : Debt Validation Request Account Number : XXXX To Whom It May Concern, I am writing regarding the account referenced above that you are reporting on my credit report. I dispute this account in its entirety and state that I do not owe this alleged balance. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide competent evidence that I have a legal obligation to pay this account, including but not limited to : - The original creditors name and address - A copy of the original contract or agreement bearing my signature - A full accounting of the alleged debt - Proof that Summit A * R has the authority to collect this debt If you can not provide the requested validation, you must immediately delete this account from all credit reporting agencies. You are hereby given 14 days from receipt of this letter to either provide proper validation or delete this account from my credit report. Failure to do so will result in legal action against your company for violations of federal law. All future communication regarding this matter must be in writing only delivered return receipt. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Validation of Debt Request - COLLECTION - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request - COLLECTION - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts i n.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: National Enterprise Systems, Inc.
State: CO

Complaint narrative:
National Enterprise Systems , Inc. ( NES, License No. XXXX ) violated the FDCPA and TCPA in connection with debt collection attempts beginning XX/XX/2026. Documented violations include : ( 1 ) text message contact at XXXX XXXX on XX/XX/2026, in violation of 15 U.S.C. 1692c ( a ) ( 1 ) ; ( 2 ) failure to provide a compliant validation notice within five days of first contact, in violation of 15 U.S.C. 1692g ( a ) ; ( 3 ) continued collection activity after the validation deadline passed, in violation of 15 U.S.C. 1692g ( b ) ; and ( 4 ) unauthorized automated SMS enrollment without prior express written consent, in violation of 47 U.S.C. 227. Timestamped documentary evidence of all violations is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
Good day I rented a vehicle with enterprise savnnah. Paid the amount for the vehicle plus full coverage. Took back the car no damage. Afterwards XXXX $ were added because of a chargeback, they tried running my card and it didnt work. I did pay all outstanding amounts before I took back the car This charge was the result of a chargeback, which occurs when a payment made by card is reversed by the bank or financial institution. This can happen for various reasons-such as suspected fraud, a dispute raised by the cardholder, or a processing error. In many cases, the bank initiates the chargeback without notifying the customer directly, so it's possible you were unaware of it How can car rental company charge you XXXX $ + for chargeback?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and contradictory credit reporting being furnished by Upstart Network , Inc . I have sent multiple written disputes directly to Upstart Network notifying them that the information they are furnishing to the consumer reporting agencies is inaccurate, inconsistent, and unverifiable. My written disputes were mailed on XX/XX/XXXX and XX/XX/XXXX. Despite receiving these notices, the company has continued furnishing the same contradictory information without correcting the reporting or providing documentation supporting the data being reported. The same account is currently being reported with materially conflicting information across different consumer reporting agencies. Examples of these inconsistencies include : The account is reported as Closed / Charge-Off on some credit reports while being reported as Open / In Good Standing on another. The same account reflects different late-payment histories including XXXX, XXXX, and XX/XX/XXXX. Entire calendar years show No Data Available while delinquency and charge-off indicators are still being reported. The reported high balance conflicts between {$1500.00} and {$1700.00}. The account reflects different last activity dates including XX/XX/XXXX and XX/XX/XXXX. The balance and past due amount are reported as {$0.00}, yet the account continues to be classified as collection/charge-off. The account is reported with inconsistent months reviewed values including XXXX, XXXX, and XXXX months. Because the reporting fields conflict with one another, the information being furnished can not be verified and does not meet the Fair Credit Reporting Act requirement of maximum possible accuracy. Under federal law : FCRA 607 ( b ) requires that information furnished to credit reporting agencies be reported with maximum possible accuracy. FCRA 623 ( a ) ( 1 ) ( A ) prohibits a furnisher from reporting information it knows or should know is inaccurate. FCRA 623 ( b ) requires a furnisher to conduct a reasonable investigation when a consumer disputes the accuracy of information being reported. Despite receiving multiple written notices identifying these reporting defects, Upstart Network has continued furnishing incomplete and contradictory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I paid my loan in full with Rocket Mortgage on XX/XX/year>, loan number XXXX, property XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. As of today, XX/XX/year>, after various attempts with customer service, loan servicing, and the wire investigations team, I still have not received a response from Rocket Mortgage on the status of my loan being paid off, nor requested documents from them showing funds received and a reconciling of how funds were applied to my loan. The customer service team is untrained and are unable to help. My payment dashboard is still showing a XXXX payment is due, even though the loan is paid off. It looks like Rocket is trying to collect a late fee, and collect extra days of interest due to their slow processing timeline, and potential misplacement/misappropriation of payoff funds. My loan was paid in full XX/XX/year> and I have the fedwire trace to confirm this. I provided this to Rocket last week which should have been all the documentation needed to correct this problem, yet they have not even responded. I wonder how many people they do this to - charge extra interest to consumers, while earning extra interest in a bank account of unapplied funds. They need to correct this immediately and the federal government should ensure that this is not a common business practice for Rocket mortgage - essentially an illegal revenue stream built on the back of consumers. Unacceptable in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was tricked into sending {$1200.00} to an individual that misrepresented products. When I tried to contact the individual to remedy the situation they had already blocked me. I am very dissatisfied with this situation and want my money back per Consumer Financial Protection Act ( 12 U.S.C. 5536 ) the individual engaged in deceptive acts to get me to pay for the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: IL

Complaint narrative:
On XX/XX/year>, I sent a formal written Notice of Dispute and Cease and Desist letter to TrueAccord Corp. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) via certified mail regarding an alleged debt of {$110.00} originally owed to XXXX ( Reference No. XXXX ). The letter disputed the debt in its entirety, requested validation documentation pursuant to 15 U.S.C. 1692g ( b ), and directed TrueAccord to cease all further communication pursuant to 15 U.S.C. 1692c ( c ). On XX/XX/year>, I received a written email confirmation from TrueAccord Support ( XXXX ) acknowledging my dispute and stating that they were no longer servicing my account and had returned it to XXXX. Despite this acknowledgment, TrueAccord continued to send me collection emails and text messages on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Each of these communications attempted to collect on the disputed debt in violation of my cease and desist directive and in direct contradiction of their own written confirmation that they had ceased servicing the account. These continued contacts after a valid cease and desist constitute violations of 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I have retained documentation of all communications including screenshots with timestamps and copies of all correspondence. I am requesting that the CFPB investigate this matter and take appropriate action against TrueAccord Corp. for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I contacted Direct Express to notify them that I needed a new card due to mine being lost the representative never ordered me a new card I had to order it myself on the app once I realized that she didnt order my card. I then called back to get assistance finally spoke to someone because I needed to dispute transactions. I called and got an update on Thursday and my claim was still pending I called today Monday morning and I was told my claim was denied. I called in to see why I was denied got transferred to a fraud line a representative answered after being on hold for after being on hold for over an hour he asked me a bunch as if my account wasnt my account and then put me on hold and hung up as soon as he said please hold. I attempted to call back and all of a sudden they are experiencing extremely long call volumes.

Company response to consumer: Closed with explanation