vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am in a debt management program and in XXXX and XXXX XXXX where I live we had the worst dangerous weather in over 60 years. I could not get to my work as rivers were frozen and it was too dangerous to go outside. I could not pick up my pay due and I was late with my payment to debt management but not over 30 days. However, I think care credit synchrony received payment 1 day late. I made certain that I made all payments up to date within the month. Synchrony reported me late and my credit score immediately dropped almost XXXX points. Synchrony then updated my reported to reflect excellent payment, however, my score was severely damaged and it still states 30 days late. I tried calling and the customer service rep said he can't find my 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 non-monetary relief
Consumer complaint received 2026-05-18 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: GA

Complaint narrative:
This is my second formal attempt regarding identity theft and security fraud reporting on my consumer reports with IC Systems , inc and XXXX XXXX, XXXX I am not requesting a reinvestigation under FCRA 611. I am demanding an immediate block and deletion under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), which requires the credit reporting agencies to block fraudulent information resulting from identity theft within 4 business days after receiving proper identity theft documentation. I have already notified theDebt collectors that the following accounts are not mine and result of and identity theft and security fraud : IC SYSTEMS , INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and related information are the result of identity theft and security fraud. Instead of complying with the law and blocking the fraudulent information, they are improperly attempting to reinvestigate the accounts, which is not the remedy required under Section 605B. This is a violation of federal law. Section 605B requires blocking and deletionnot verification, not reinvestigation, and not delay. Their continued reporting of fraudulent information is causing ongoing harm to my credit profile, financial standing, and ability to obtain fair access to credit. I demand immediate : Block and deletion of all fraudulent accounts, inquiries, and associated personal information related to identity theft Written confirmation of the block and deletion The method used to continue reporting this fraudulent information The name of any furnisher claiming verification despite the identity theft claim Failure to comply will be considered willful noncompliance with the FDCPA and continued reporting of identity theft information after notice.

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a business checking account with Bank of America. Since XX/XX/scrub>XXXX XXXX, 2026, the account has been frozen and restricted from all outgoing activity. I have been unable to use online banking, access the funds, send payments, or conduct normal business operations. I have contacted Bank of America numerous times seeking clarification regarding the restriction, the status of the review, the expected timeline for resolution, and whether any additional documentation or information is required from me. However, I have not been provided with any meaningful information or timeline. On each call, I am transferred between multiple departments, none of which has been able to resolve the issue or provide a clear explanation regarding the hold on the account. The ongoing restriction is materially impacting my business operations and my ability to access legitimate business funds.

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I told them on the phone that I would pay off the card but not any late charges. Their employee agreed. I did not write down any dates. I have done business with them for years, but my family is physically unable to do so anymore.

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 2026-05-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is the last escalation of my previous demands. Your refusal to provide a lawful, transparent, and verifiable explanation for your actions is unacceptable, and it represents an outright violation of federal compliance standards and consumer protection laws. You have failedrepeatedlyto justify the collection, retention, or reporting of ANY data tied to my name. Your ongoing silence and blatant disregard for the law is not just negligence ; it is willful, intentional non-compliance. Let me make this crystal clear : I demand the immediate, unconditional deletion of every single data point, file, note, internal record, audit log, or reported item associated with my name that you can not back up with legally admissible, fully compliant documentation. No assumptions, no fabricated entries, no unverifiable dataonly concrete, lawful proof. Any record that does not meet this legal standard must be erased immediately.

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 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This constitutes my eighth ( XXXX ) and final formal dispute and complaint concerning the persistent, systemic failure of the above-referenced Consumer Reporting Agency XXXX CRA ) to comply with mandatory obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I. Factual Background and Procedural History Despite XXXX ( XXXX ) prior specific, detailed, and evidence-supported disputes submitted in good faith, the CRA has repeatedly failed to conduct reasonable reinvestigations as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), failed to delete or modify unverifiable or inaccurate information pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), and failed to ensure the maximum possible accuracy of reported information under 15 U.S.C. 1681e ( b ). The inaccurate items at issue involve reported Past Due payment histories that should be corrected to reflect Paid on Time / Never Late, based on verified facts previously provided. These failures have persisted for over 210 days, constituting a clear pattern of non-compliance. II. Specific Statutory Violations Violation of 15 U.S.C. 1681i ( a ) ( 1 ) and ( a ) ( 5 ) ( A ) : The CRA is required to conduct a reasonable reinvestigation within 30 days ( extendable only under limited circumstances ) and, where information can not be verified or is found inaccurate/incomplete, must promptly delete or modify such information. After multiple reinvestigations, the disputed items remain unverified and inaccurate. This constitutes a direct breach of non-discretionary statutory mandates. Violation of 15 U.S.C. 1681s-2 ( b ) : The furnisher ( s ) of the disputed information have failed to conduct a reasonable investigation and to report complete and accurate results to the CRA, requiring permanent suppression or correction of the unverifiable data. Willful and/or Negligent Non-Compliance under 15 U.S.C. 1681n and 1681o : The continued reporting of unverified and inaccurate information after exhaustive notice and opportunity to correct demonstrates reckless disregard ( and potentially willful noncompliance ) for FCRA obligations, rendering the CRA liable for actual damages ( including emotional distress and economic harm ), statutory damages, punitive damages ( where willful ), costs, and attorneys fees. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under 12 U.S.C. 5511 : The CRAs persistent refusal to adhere to FCRA accuracy and reinvestigation requirements constitutes an unfair and abusive practice in violation of the CFPBs enforcement authority.

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 2026-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I moved out of an apartment I was renting on XXXX XXXX, 2025 with XXXX XXXX XXXX XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX where I lived for 7 years. when I first moved in, I initially pay a {$500.00} security deposit listed on my lease. I never received my security deposit back after I moved out. A few months later I received a letter from the above-mentioned collection agency stating they kept a {$300.00} security deposit which was actually {$500.00} then stated I owe an additional {$260.00}. I attempted to resolve this issue with several representatives of the above collection agency ; they refused to listen and accept the lease contract I sent them via certified mail stating my security deposit was {$500.00}, not {$300.00} this collection and the landlord are stating. I want this issue resolved and removed from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am formally disputing this debt and requesting full validation under 15 U.S.C. 1692g. You must provide the original creditors name, account number, full account statements and fees, and proof of your legal authority to collect. You must cease all collection efforts until you provide this proof.I am also invoking my right to cease all communications except to notify me that collection efforts are being terminated. All communications will be logged, and any further contact will be reported as FDCPA violations to the state attorney general.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am disputing an alleged debt being reported/collected by Transworld Systems Inc . I do not recognize this company, have never done business with them, and do not believe this debt belongs to me. I am requesting that Transworld Systems provide full validation of the alleged debt, including : The name of the original creditor The original account number The date the account was opened A complete payment history Signed documentation showing I agreed to or am responsible for this debt Proof that Transworld Systems has legal authority to collect on this account At this time, I dispute the accuracy and validity of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). If they can not provide proper validation and proof that this debt belongs to me, I request that the account be immediately removed from all credit reporting agencies and all collection activity cease. Additionally, if this account was reported to any credit bureau without proper verification, I request an investigation into inaccurate credit reporting practices. I am requesting written confirmation of the results of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
Account Information : Account Balance : {$1000.00} Opened XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint against Truist Financial regarding unauthorized transactions and lack of proper resolution. On XX/XX/2026 I noticed one or more charges on my account that I do not recognize. The transaction ( s ) appear never were authorized and for the amount of $ [ XXXX ]. I did not authorize these charges and have no knowledge of this merchant. I promptly contacted Truist to report the issue on the same date XX/XX/2026 and speak with them for 45 min. Most of the transactions at that time were under pending process and the claim couldnt be made because of the mentioned. However, the response I received was unsatisfactory because as per the letter the time frame to resolve the issue was only for 30 days. On XX/XX/2026 once again I went to the Branch in order to see how much was return and they denied the claim because I was out of a time frame of my report. This situation has caused me financial stress and concern about the security of my account. I am requesting the following resolution : * A full refund of the unauthorized charges * A proper investigation into the transactions * Assurance that my account is secure and protected from further unauthorized activity I have attached any supporting documents, including account statements and communication records with Truist. I appreciate your prompt attention to this matter. Respectfully

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/scrub> 2026, I attempted to wire funds for a business payment. The representative told me the receiving party was " blacklisted '' with no written documentation, no written notice, and no regulatory citation. The wire was not processed and I incurred a {$25.00} late fee as a direct result. On XX/XX/scrub>, 2026, I called regarding a deposited check of {$17000.00}. The representative cited an internal hold policy but explicitly acknowledged no written documentation exists for that policy. The call lasted XXXXXX/XX/XXXX with no resolution. I was told to call back Monday XX/XX/scrub> 2026 and that the wire would be processed over the phone. On XX/XX/year>2026, I called back as instructed. I was required to upload a business bank statement to verify account ownership, which I provided in full. The representative first claimed the upload center was not working, then redirected me to an alternate submission method for the same information. After XXXX XX/XX/XXXX, a supervisor denied the wire with no written basis or regulatory citation provided. I also missed a scheduled professional appointment as a direct result of the duration of this call. Across allXX/XX/XXXX incidents, no written policy documentation was produced despite multiple requests. I sent a formal demand letter on XX/XX/scrub> 2026 and an amended demand letter on XX/XX/scrub> 2026. Total documented damages are {$17000.00} with additional amounts accruing.

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 2026-05-18 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: LDF Holdings, LLC
State: CA

Complaint narrative:
The description of what happened with these services ( both were owned by the same entity ) is in this ; etter I addressed to them. XX/XX/year> Collection Department XXXX XXXX XXXX XXXX XXXX Re : Excessive and illegal interest fees Sir or Madam : Over the past several years I have used XXXX XXXX and XXXX XXXX for financial aid that I used to attend to personal business. While the interest rates were exorbitant, under federal laws such companies can charge these rates because of their being an entity of a XXXX American tribe. The aforementioned companies acted under that premise, but were running what is known as a rent a tribe, scam. This is when a company usurps federal lending laws by posing as a XXXX American-owned entity that claims to be shielded by sovereign immunity. Such companies are allowed to charge much higher than regulated ( in this case, meaning a non-XXXX American tribe ) banking rates on small loans. Thus, I was overcharged on interest on several loans totaling {$4000.00} and repaid XXXX. This is an amount of usurious interest rate in excess of more than {$5000.00}. I should have only repaid {$1000.00} en toto. Both XXXX XXXX and XXXX, according to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, in violation of RICO-related statutes, In exchange for use of the tribes name, the beneficial owner of the payday lending scheme [ paid ] the cooperating tribe a fraction of the revenues generated. In short, XXXX XXXX and XXXX grifted unsuspecting consumers. Oddly enough, a representative of XXXX called me on XX/XX/year> and offered me another loan, at the same rate of interest, under another name. I was told by this agent and I was told that XXXX was no longer making loans in California. Hmmm. So here is my offer : I want to cancel the remaining balance on my loans : XXXX ( XXXX XXXX ) and XXXX ( XXXX ) This without further cost or obligation on my part. Instead, subtract the amount of {$1000.00} ( rounded off ) from the overpayment of {$6300.00} ( rounded off ), and there is a difference of {$5200.00}. Reduce that figure by 50 % {$2600.00} ( rounded up ), and pay that amount to me as a reimbursement. In return I agree to withdraw any complaint ( s ) forwarded to the Consumer Finance Protection Bureau, and agree to take no part in any future class action suits against either XXXX XXXX XXXX or XXXX XXXX. And from this point forward, I agree to never again apply for loans from either company or its parent companies. As of now, I have stopped payment on both accounts. The rest is up to you. An expedient reply would be most appreciated. ( CONTD ) Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last 4 numbers of SSN : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation