vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: TX

Complaint narrative:
Mine formerly fizz froze all accounts about XXXX weeks ago. I opened the app today XX/XX/year> and they said that all accounts were closed as of XX/XX/year> and all of my rewards were zeroed out.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torriere Holdings INC
State: KY

Complaint narrative:
This company is committing fraud against the IRS and U.S government. The company claims that my account is charged off and/or in collections, however I never received a 1099c for the account. When a debt is charged off that means the creditor is claiming to have written off the debt on their taxes and received a profit. It is illegal ta continue reporting the account on my personal credit reports because charge offs are considered income by the IRS. Income is forbidden to be on a consumer 's credit report according to 15 USC 1681 ( 2 ) ( a ) ( i ). Furthermore, I have a right to privacy and I consider this income as private information, therefore this account must be removed immediately. This company is also in violatior of the following : 15 USC 1692c 15 USC 1692g 15 USC 1681 e ( b ) 15 USC 1635

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 2026-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
This Debt do not belong to me and go against the Fair Debt Collection Practices Act

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 2026-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/26 I secured carecredit in the amount of {$590.00} that if paid off by XX/XX/26 would be interest free. I was given a {$1000.00} limit. On XX/XX/26 I charged {$370.00} more. The only clear information I was given was I would get {$1000.00} credit limit if paid in full in a certain time period would be interest free. I began making minimal payments. I was late by a couple of days and was charged a late payment of {$30.00} for XXXX and then I failed to make a payment in XXXX which caused a late fee of {$41.00}. At that time they notified me my interest for having missed the payments would jump to 39.99 %. I called the company who then explained that minimum payments are required. Lates fees are as such and if not paid by the end of promotion would be XXXX. They said this was disclosed in terms of agreements and statement albeit it in fine print. They did waive the {$41.00} late fee after I told them if they had made the terms clear I would never have taken the credit. When clarifying they acknowledged they do this because they know their consumers do not read the fine print. I feel this predatory and deliberate. But sine it was in the fine print I am now obligated to meet their terms. Theres need to be a good faith practice regarding up front full disclosure

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 2026-05-09 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I filed a Complaint here against SynchronyXXXXLowe 's Card. This Complaint is attached as a file. On XX/XX/year> Synchrony submitted their Response to my Complaint. The Response is attached as a file. Based on the XX/XX/year> XXXX by SynchornyXXXXLowe 's Card along with my XXXX XXXX, XXXX Complaint. I firmly believe that Synchrony-XXXXLowe 's have violated UDAAP, I explained why it is the case in my XX/XX/year> Rebuttal. However, in the case of XXXX XXXX, XXXX Complaint, I could not provid my XX/XX/year> Rebuttal in full length in the feedback section, and the case was closed. This new Complaint is the continuation of the XX/XX/year> Complaint. With new evidence from the XX/XX/year> Response by Synchrony-XXXXLowe 's Card to prove that Synchrony-XXXXLowe 's Card violated 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 2026-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am submitting this complaint regarding my financing account for purchases made through XXXX XXXX XXXX and serviced by Synchrony Bank. When I signed the financing agreement for my furniture purchase, the terms clearly stated a 0 % interest promotional financing period for 60 months, provided the account remained in good standing. I entered into this agreement based on those terms and made payments accordingly. However, I noticed a sudden and unexpected increase in my balance that I believe is unfair and inconsistent with the original contract terms. On XX/XX/year>, my account balance was approximately {$860.00}. Then, on XX/XX/year>, my balance increased to {$1300.00}, including an added interest charge of {$500.00}. I was shocked to see this substantial interest charge added to my account without proper explanation. I was informed or led to believe this may have been connected to the companys bankruptcy situation, but I do not believe consumers should be penalized or charged retroactive interest that contradicts the signed financing agreement. At no point did I agree to suddenly convert the account from a 0 % interest promotional agreement into a balance carrying hundreds of dollars in retroactive interest charges. This feels deceptive and financially harmful, especially since I relied on the original financing terms when making this purchase. I respectfully request that this matter be investigated and that the {$500.00} interest charge be reviewed and removed if found to be inconsistent with the original agreement. I would also appreciate a full explanation of how this interest was calculated and why it was added despite the promotional financing terms.

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 2026-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Over the last XXXX months, I have called and chatted with customer service representatives at Synchrony multiple times to request statement copies for me to provide to m CPA for my XXXX tax preparation. Below are the statement details Ive been requesting : XXXX. Synchrony Discount Tire XXXX ( XX/XX/year> statement needed. ) XXXX. Synchrony XXXX XXXX ( XX/XX/year> & XX/XX/year> statement needed. ) XXXX. Synchrony Home Improvement ( XX/XX/year> & XX/XX/year> statement needed. ) Hoping by submitting this complaint I can finally receive the documents I requested so I can close out my tax return with my CPA. Please assist! Thanks in advance!

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 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I reported the phishing scams to Synchrony XXXX Credit Card. I have police report and the school district supported letter to upload on Synchrony XXXX Credit Card website, but I really have hard time to do so. The only way I can send the documents is through the CFPS website.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have noticed that each time I pay toward my total balance due to reduce the overall balance I get a notification stating that they have reduce my credit balance therefore making my available credit to reflect I owe almost my entire balance. Example made a payment of {$300.00} and I would have a balance of available credit they reduced it to my overall credit being {$4100.00} and reflect an available balance of {$110.00}. This was for the Sams Club XXXX XXXX. Also upon paying for the Amazon synchrony card the total available credit dropped to & XXXX. Also submitted a dispute for a credit that I never received upon returning an XXXX item and although paid balance due in full they said I have to wait 60 days for it to be resolved although I paid card in full. This company has unscrupulous ways of handling disputes and why if Im trying to pay down my balance each time a significant amount is paid they reduce the credit limit. This is unfair to the consumer who is trying to build and keep a good credit standard. I feel the company should be investigated for unfair practices towards consumers. I am not asking for pity or increase of credit limits but I should not be penalized for trying to reduce my balances by getting the credit limits reduce. I have not used this XXXX in a few months cause purpose is to reduce my balance.

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 2026-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: WA

Complaint narrative:
In XXXX, I experienced a documented COVID-19 hardship after becoming ill with the original strain of COVID and missing approximately XXXX weeks of work without pay. As a result, I fell behind on rent associated with XXXXXXXX XXXX XXXX XXXX in Washington State. During that time period, Washington State had COVID-era tenant protections in place that required landlords to offer repayment plan options related to hardship balances. No repayment plan was ever offered to me despite my qualifying hardship. The account was later placed with XXXXXXXX XXXX in XX/XX/XXXX. In XXXX, I disputed the validity of the collection account directly with XXXX XXXX and submitted documentation explaining the COVID hardship circumstances and lack of repayment plan compliance. Following that dispute, the collection account was removed from my credit file, and I received no further communication or collection activity regarding the account. In XXXX, a different collection agency, Synergetic Communications, reinserted the account onto my credit report with a reported balance of approximately {$10000.00}. I disputed the account with XXXX and also sent a certified written request directly to the collection agency requesting full validation of the debt, including documentation related to the original delinquency date, authority to collect, and repayment plan compliance. In response, the company only provided a copy of the apartment ledger/move-out statement and did not address the substantive issues raised in my dispute, including : * the prior removal of the account after dispute * the documented COVID hardship * the lack of repayment plan compliance * concerns regarding the completeness and accuracy of the reporting information Despite this, the account was verified with XXXX after what appears to have been an incomplete investigation. I am requesting a proper investigation into the validity and reporting of this account and correction or removal of any inaccurate or improperly reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
I have been contacted by TekCollect Inc. ( XXXX ) regarding an alleged debt of {$1300.00} for a XXXX account ( # XXXX ). On XX/XX/XXXX, TekCollect stated via email that " the validation has been sent out. '' As of XX/XX/XXXX, I have received no debt validation documentation. I formally requested validation under 15 U.S.C. 1692g. Additionally, TekCollect refused to provide any written agreement prior to payment, including a Pay-for-Delete agreement, stating " we do not send out letters prior to payment. '' I can not verify the legitimacy of this debt without documentation, especially given that the original creditor, XXXX, filed for XXXX XXXX XXXX in XXXX and failed to deliver contracted services.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I contacted TD XXXX XXXX regarding interest charges that were added to my financing account associated with a former XXXX XXXX financing program. At that time, I only had approximately {$560.00} remaining on my balance. During the call, a supervisor informed me that if I completed the remaining payment that same day, the interest charges would be reversed within 48 hours. Based on that information, I immediately submitted a payment of {$560.00} on XX/XX/year>, and the payment was successfully processed. However, more than five days have passed and the interest charges, approximately {$370.00}, are still showing on my account. Since then, I have attempted multiple times to contact TD XXXX XXXX customer service in both English and XXXX, but I have been unable to reach a representative because the phone system repeatedly states there are technical difficulties. I also contacted XXXX XXXX for assistance, but they informed me that the XXXX XXXX credit card/financing program through TD XXXX XXXX was discontinued in XX/XX/year> and they are unable to assist or escalate the issue. I am requesting that TD XXXX XXXX review my account and honor the supervisors promise to reverse the interest charges after I completed the required payment on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texan Credit Corporation
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I am being billed for a XXXX XXXX I didn't do. I received a bill In XX/XX/XXXX, stating I owed $ XXXXOn XX/XX/XXXX, I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX. They said I did a XXXX XXXX. I told them I did a routine XXXX and not a XXXX XXXX. XXXX XXXX 's initially told me they would look into it with XXXX XXXX XXXX ( XXXX ) and that I didn't need to pay anything. Then, I received another bill in XX/XX/XXXX stating I owed {$280.00}. On XX/XX/XXXX, I called XXXX XXXX in reference to the bill they sent me again for $ XXXX told them I didnt owe this bill because I confirmed with XXXX that my annual XXXX was covered at 100 %. XXXX XXXX insisted I did a XXXX XXXX and a XXXX of my XXXX. I told XXXX they were wrong and appears they are committing insurance fraud. I told XXXX XXXX I wanted an audit done for all the medical procedures done on XX/XX/XXXX, XXXX said it would take 30 days. However, I received a document that showed payments and not medical procedures. On XX/XX/XXXX, I received collection letter from Medicredit, a debt collector, stating I owed {$280.00}. On XX/XX/XXXX I called Medicredit to dispute this debt because I didn't do a XXXX XXXX. They said the system says otherwise. On XX/XX/XXXX, I received a letter and an itemization of hospital services for XX/XX/XXXX, from Medicredit. Their letter says that this statement serves as a verification of the said debt. I am now filing a complaint because they are not listening to me and I don't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Jennifer McCoy, PC
State: IN

Complaint narrative:
I was issued a paper by mail from The Law Office of Jennifer Mccoy in regards to an alleged debt originally owed to XXXX XXXX, which was the result of an accounting error on their part considering I completed all move out procedures and was never once contacted about this debt by XXXX XXXX. Upon receiving this letter, I emailed the Law Office of Jennifer Mccoy to internally dispute this debt via their own procedure laid out in their debt collection letter and never heard back from them. I also sent a letter to them requesting a validation notice because I dispute this debt and have disputed it multiple times. Anytime I attempt to contact the Law Office of Jennifer Mccoy via phone call or via contact us on their website I never hear back and their phone number menu does not have a proper directory for debt collection phone calls. This has been ongoing for years, since XXXX, so I apologize for the lack of dates in this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Tilt Finance, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, someone stole my identity. I immediately placed a credit freeze and contacted all three credit agencies. Someone opened a credit card account at XXXX XXXX in my name and I called them immediately and they closed it. Someone also opened a XXXX credit card with Tilt. I have called at least four times, I have emailed repeatedly, they will not close the account. I have done everything I can, but they always put me on hold, say that they can't help me, that a supervisor is not available, etc. They refuse to close an account in my name that was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: The Moore Law Group
State: NV

Complaint narrative:
The Moore Law Group is attempting to collect on a Nevada judgment related to an old XXXX XXXX XXXX credit card account of mine. On XX/XX/XXXX, a constable appeared at the residence of a third party, XXXX XXXX of XXXX XXXX XXXX, and spoke with his wife regarding my alleged debt/judgment. According to the written statement provided by XXXX XXXX, the constable stated that I owed money and that if I worked for XXXX XXXX XXXX, payments would need to be redirected pursuant to the paperwork served. XXXX XXXX later informed me of the situation and provided copies of the documents because he was confused as to why he and his household were being contacted regarding a matter unrelated to them personally. After this occurred, XXXX XXXX contacted the parties involved and clarified that I am not an employee of XXXX XXXX XXXX and instead work as an independent contractor/vendor. Despite this clarification, additional garnishment-related correspondence was later sent again to XXXX XXXX XXXX on or about XX/XX/XXXX regarding the same matter. My concern is that unnecessary information regarding my debt/judgment was disclosed to third parties and household members, and that continued collection-related contact occurred after clarification regarding my contractor status had already been provided. I am requesting that collection activity comply with applicable debt collection laws and that unnecessary third-party communications regarding this matter cease.

Company response to consumer: Closed with explanation