vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of a credit inquiry made by your company that appears on my consumer credit report. This inquiry was not authorized by me and is the result of identity theft and theft by deception. 
I am a documented victim of identity theft. Enclosed with this correspondence is a police report filed with the XXXX XXXX XXXX XXXX  ( Case # XXXX ), which establishes criminal misuse of my personal and financial information. This letter constitutes formal notice under the Fair Credit Reporting Act ( FCRA ). 

FRAUDULENT CREDIT INQUIRY DETAILS XXXX XX/XX/year> XXXX  LEGAL BASIS FOR DELETION Under FCRA 604 ( 15 U.S.C. 1681b ), a company may access a consumers credit report only if it has a valid permissible purpose. I did not apply for credit, authorize access, or conduct business with your company. 

Further, under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies and furnishers are required to block and delete information resulting from identity theft once a valid identity theft report is provided.

Because this inquiry was made without my authorization and is connected to identity theft, it lacks permissible purpose and is unlawfully reported.

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 2026-01-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
I am submitting this complaint regarding deceptive and misleading servicing practices related to multiple private student loans originally serviced by XXXX and later transferred to MOHELA. 

I entered repayment and remained on my repayment plans based on representations from my loan servicers that my payments were being applied in a manner that would amortize my loans and reduce principal over time. At no point was I clearly informedeither before or after the servicing transferthat my repayment structure would result in negative amortization or principal balance growth. 

I discovered the issue by reviewing my account history and payment records. Despite paying more than {$61000.00} toward loans with an original combined principal of approximately {$29000.00}, I currently owe more than {$32000.00}. On multiple loans, the remaining principal balance now exceeds the original amount borrowed. 

The loans were disbursed between XXXX and XXXX, and I have made consistent payments over many years. My payment history shows that a significant portion of each payment was applied to interest, with repeated interest capitalization events that materially increased my principal balances. These outcomes were not clearly disclosed to me when I selected or remained on these repayment plans. 

The transfer of servicing from XXXX to MOHELA did not include corrective disclosures or meaningful explanation of how my repayment plans operated or the long-term consequences of continued repayment under these terms. 

As a result of misleading or inadequate information regarding repayment plans, payment allocation, and interest capitalization, I have suffered substantial financial harm. 

I am requesting a full servicing audit, written documentation of all repayment plan terms and disclosures, correction or remediation of balances impacted by negative amortization, and appropriate restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am submitting this complaint regarding Synchrony Home Bank Credit Card for improper billing practices, unprofessional conduct, and the unauthorized closure of my account, all of which may result in unlawful credit reporting.

On my account, I remitted payment in the amount of {$10000.00}, which satisfiedthe balance in full, XX/XX/year>. There was no remaining amount due. In the subsequent billing cycle, I did not receive a statement ; however, I was later informed that an alleged balance of {$82.00} ( later charged as {$82.00} ) was due. This amount is erroneous, unsupported, and invalid. I immediately disputed this charge. 

Despite the dispute, Synchrony failed to provide documentation substantiating the alleged balance, in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires creditors to properly investigate and respond to billing disputes.

During my attempt to resolve the issue, I was subjected to hostile, disrespectful, and unprofessional behavior by a customer service representative. Rather than resolving or escalating the matter appropriately, the representative closed my account without my consent, without prior notice, and without advising me of the potential impact on my credit.

Closing an account while a billing dispute is active, particularly when the account was paid in full, raises serious concerns under both the Fair Credit Billing Act and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Any resulting negative credit reporting would be inaccurate, misleading, and unlawful.

I am requesting CFPB assistance to ensure that Synchrony Home Bank : Refunds the improperly charged {$82.00} Confirms in writing that the account was paid in full Corrects or prevents any inaccurate or negative credit reporting Provides an explanation for the unauthorized account closure Implements corrective action to prevent recurrence This situation reflects systemic failures in billing accuracy, dispute handling, and consumer protections. I am requesting CFPB review and oversight to ensure compliance with applicable federal law.

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 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a dismissed XXXX  XXXX bankruptcy that has already been deleted by XXXX, resulting in inconsistent credit reporting across bureaus. Despite being formally disputed, Experian continues to report this public record, causing documented lender harm including a recent credit denial by 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 2026-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
The balances on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The balance keeps increasing and I made payments and I cant see new charges. Home Depot credit card is interest free for two years for a washer and dryer. Why didnt they credit payments? The XXXX XXXX increased by XXXX in one month after making a XXXX payment. I havent received any new merchandise though. XXXX in interest seems like a lot in one month. I havent charged on XXXX XXXX since XX/XX/year>. Im buying XXXX with my debit card instead of 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 2026-01-01 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: VA

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 2026-01-01 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
I opened a new PayPal and used it a few times, I received money from XXXX companies to provide honest opinions about their products, and the next day my account was limited and further information was asked for, which I provided, explaining everything and within XXXX minutes I received a permanent account XXXX notification and now can not speak or talk with anyone, in the meantime, I have {$140.00} that they are holding XXXX and say that I can maybe access it in XX/XX/year>, I want an immediate release of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and Synchrony Bank has mishandled my fraud report and refused to provide essential information needed for law enforcement. 

Someone attempted to open a XXXX XXXX XXXX store credit card in my name without my authorization on XX/XX/year>. I contacted Synchrony Bank immediately after receiving notice of the attempted account opening. Synchrony confirmed that an application was submitted and stated they would forward the matter to their fraud investigation team. 

However, despite multiple requests, Synchrony Bank has refused to tell me which XXXX XXXX XXXX store location the fraudulent application was submitted at. This information is necessary for me to file a complete police report and allow law enforcement to issue a subpoena for security camera footage. Without the store location, the police can not investigate the identity theft. 

In addition to withholding this information, Synchronys customer service has been unprofessional and obstructive : - One representative hung up on me during the call.

- Another representative pretended they could not see any fraud application in my file, even though Synchrony had previously acknowledged it and said it was under review.

- Synchrony continues to refuse to provide the store location, despite the fact that I am the victim and need this information for law enforcement.

Synchronys refusal to cooperate is preventing me from taking steps to protect myself and assist the police in identifying the person who attempted to use my identity. Their inconsistent statements, lack of transparency, and dismissive treatment have caused unnecessary XXXX  and have obstructed my ability to respond to this identity theft incident.

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 2026-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: DE

Complaint narrative:
I am filing this complaint regarding unauthorized transactions totaling {$70.00} on my Cash App account. I became aware of these charges only after noticing that my Cash App card was missing. I did not authorize these transactions, nor did I share my account or card information with anyone. 

I promptly contacted Cash App to dispute the charges, but both disputes were denied without adequate explanation, despite the clear evidence that these transactions were fraudulent. Under federal law, as a consumer, I am not responsible for unauthorized charges conducted without my consent. Cash App has a responsibility to investigate and correct unauthorized activity on my account. 


Supporting Details : The fraudulent transactions occurred after my Cash App card went missing. 
I have documentation of the unauthorized charges and my previous attempts to resolve this issue directly with Cash App. 
Cash Apps denial of my dispute without sufficient explanation is unacceptable, given the circumstances and the apparent fraudulent nature of the transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a text message saying that my checking account has been compromised. And then I received a call from an XXXX number that said Wells Fargo. My main checking account had been compromised and it was a fraudulent caller. That account is linked to all of my accounts and money can be transferred from all of my other accounts to that main account. By the time I had called Wells Fargo to let them know, The person had transfer the money from all the other accounts into my main account and then withdrawn it all through XXXX. They also took a cash advance on my credit card that total {$2100.00}. Claim XXXX XXXXXXXX The total amount of cash withdrawn from all of my account accounts {$15000.00}. Claim XXXX XXXXXXXX. Originally they opened the claim, closed it, and then reopened it. They said because the credit card was in my possession that I authorized it as well as I authorized the withdrawal of all the money from 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 explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within XXXX  days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information please contact me at :

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX'On XX/XX/XXXX, I received a letter from the XX/XX/XXXX State Controller unclaimed property division. They indicated that I had property belonging to me that was being held by Bank of America. The letter indicated I must contact B of A prior to XX/XX/XXXX, otherwise my property would be transferred to the XX/XX/XXXXXX/XX/XXXXThe letter had the following business info: \nBank of America NAXX/XX/XXXX and XX/XX/XXXX atXX/XX/XXXX CT, I called B of A at XX/XX/XXXX. The representative told me the amount of money (over $1000) and requested a routing and account number so the funds could be transferred to my personal bank account. I provided that information over the phone. This call lasted about XX/XX/XXXX.XX/XX/XXXXThe funds were never transferred from B of A to my bank account.XX/XX/XXXXOn XX/XX/XXXX atXX/XX/XXXX CT, I called B of A again atXX/XX/XXXX to request an update. The representative indicated that they would never request bank account information, and that a check would be mailed. They also indicated they no longer have my funds. The direction I got from the XX/XX/XXXX call was totally different from the initial call on XX/XX/XXXX This call lasted XX/XX/XXXXXX/XX/XXXXThe California Unclaimed Property website has no record of my unclaimed funds, and B of A says they no longer have this money. XX/XX/XXXXI am requesting that my money be located and transferred to me.'

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Finance System of Richmond, Inc.
State: TX

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

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

Complaint narrative:
XXXX XXXX. I deposited {$490.00} into my cashapp account & proceeded to add my debit card to my cashapp account. The minute I did that cashapp flagged my account for suspicious activity, I already had this card on file about XXXX weeks prior. I received an email stating that within XXXX to XXXXXX/XX/XXXX it would be figured out so today XX/XX/2026, I didnt hear anything. My account was still locked I decided to call Cash app and they told me my account was still locked. A man by the name XX/XX/XXXXfrom the fraud department told me my account was still locked and I asked him if they could at least tell me why he said they havent begun the investigation yet so hes not sure the reason why. I asked to speak to a manager several times XX/XX/XXXX the worker from fraud department did laugh and told me he couldnt transfer me to a manager. I had to go through email. Now this is {$500.00} that I needed urgently to pay my rent. I can not do that and now Cash app is saying I might have to wait XX/XX/XXXX days instead of the original XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: CA

Complaint narrative:
Issue Summary : I am filing a complaint regarding misleading lease pricing and promotional terms presented on Teslas website, which resulted in conflicting information and made it impossible for me to qualify for the advertised promotion. 

What Happened : On XX/XX/XXXX, I placed an order for a XXXX XXXX XXXX XXXX  through Teslas website in response to their XXXX-down lease promotion. I paid a {$250.00} reservation fee at the time of ordering. Teslas website displayed an estimated lease payment of {$530.00} per month for 36 months, including taxes and fees, with {$2600.00} due at delivery.

After submitting my order, Teslas website stated that the earliest available delivery date was XX/XX/XXXX, because the vehicle was still in transit and not yet at the delivery location. After I scheduled the pickup, the lease calculator changed and showed different pricing. When I contacted Tesla, I was told that I would have needed to take delivery on XX/XX/XXXX, to qualify for the promotion. This requirement was impossible to meet, as Teslas own system showed that the vehicle could not be delivered until XX/XX/XXXX. 

Requested Resolution : Given the conflicting information and the fact that Teslas stated delivery timeline made it impossible to qualify for the promotion, I am requesting a refund of my {$250.00} reservation fee.

Evidence Summary : I have included supporting documentation showing the information Tesla presented at the time of my order and the conflicting details provided afterward. This includes screenshots of the original lease estimate and promotional terms displayed on Teslas website, the order confirmation showing the {$250.00} reservation fee, and the delivery estimate indicating the earliest available delivery date of XX/XX/XXXX. I have also attached screenshots of the updated lease calculator showing the changed pricing after the order was placed. These documents collectively demonstrate the inconsistency between Teslas advertised terms and the information provided after my order.

Company response to consumer: Closed with explanation