vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I was a victim of predatory lending practices by Ginnys. The loan terms were unfair and misleading, and the account is being reported inaccurately. I dispute the accuracy, validity, ownership, and legal enforceability of this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 requires that all information reported be fair, accurate, complete, and fully verified. Furthermore, 616617 hold both credit bureaus and furnishers liable for reporting false, misleading, or unverifiable information. I am requesting a full reinvestigation, including but not limited to : Verification using original signed contract ( s ) Documentation showing the account was reported with maximum possible accuracy The method of verification used to confirm this account If XXXX XXXX Bank can not provide original, competent, and verifiable documentation, this account must be deleted immediately from my credit file pursuant to the FCRA. During the reinvestigation period, this account must not be reported as verified, nor should it be updated or re-aged. Any continued reporting of inaccurate or unverifiable information may constitute willful noncompliance. Please confirm in writing that this dispute has been received and is being investigated. Failure to properly reinvestigate may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: GA

Complaint narrative:
Complaint Against : Synchrony Bank XXXX : Incorrect charge / dispute not properly resolved Complaint : I am filing a formal complaint regarding a disputed charge of {$3900.00} on my Synchrony Bank credit account ( ending in XXXX ), dated XX/XX/year>, from XXXX XXXX XXXX located in XXXX XXXX XXXX, XXXX, GA. I did not voluntarily authorize this purchase. I visited the store solely to have a bracelet repaired. During my visit, I was subjected to prolonged and repeated sales pressure by the store owner. Despite clearly stating multiple times that I did not want or need any additional items, I was told that I had to leave with something. This interaction continued for over an hour, during which I felt increasingly uncomfortable and unable to leave without making a purchase. I ultimately agreed under pressure, with the intention of returning the item. This was not a free or willing purchase decision. I returned the merchandise within XXXX days, on XX/XX/year>, to a store employee ( XXXX XXXX at opening time. I no longer have the merchandise and received no benefit from the transaction. I also have text message communication with the store owner confirming contact after the return and directing me to Synchrony Bank. Despite these facts, Synchrony Bank denied my dispute and is attempting to hold me responsible for this charge. This account is formally disputed under the Fair Credit Billing 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 monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I have never received a card from the company and I believe that the company either sent card to a wrong address and someone activated a card and it was in my name. Everything on my credit report is in accurate and is being charged to me. Remove from my credit report immediately or I will report to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding the repossession of my vehicle by Bank of America, which I believe was conducted improperly and without proper consideration of a posted payment and prior account activity. On Thursday, XX/XX/XXXX, I made a payment toward my auto loan that was successfully processed and posted to my account. This payment reduced my delinquency to approximately 84 days past due. Despite this posted payment, my vehicle was repossessed later that same night. At the time of repossession, my account had already been updated to reflect this payment. Additionally, I had spoken with a Bank of America representative on XX/XX/XXXX regarding my account status and payment efforts. During that conversation, I was informed that my account had been reviewed for repossession the day prior but the bank had decided not to proceed at that time. Last Friday, I was later told that my account was placed into repossession status the following day without any phone call, email, or written notice provided to me. I was actively working in good faith to bring my account current and had plans to make an additional payment the following week. The repossession occurred without allowing reasonable time for my posted payment to be recognized or for my continued efforts to be taken into account. Following the repossession, I was informed that I must pay approximately {$4100.00} to recover the vehicle. This amount includes fees and/or a full payoff demand that I do not agree with. Based on my account status after the posted payment, I should be eligible for reinstatement, not forced into full payoff under these circumstances. Furthermore, I was previously informed multiple times that there were no options available to defer or move payments to the end of the loan. After the repossession occurred, I was told by a representative that such an option did exist but that I was no longer eligible due to the repossession. The inconsistency raises concerns for me as a customer. The agents on the phone and the agents at the bank are not equally informed on these matters. I had to explain to tellers why I was paying more money for my car note than asked because they weren't seeing my account was behind in the branch. At the time, my account was approximately XXXX months behind. I made consistent efforts to communicate with the bank and was previously told that my transparency and communication were noted positively on my account. I was also advised that I would likely be able to complete my loan by XXXX with only minor late fees. Based on these representations, I continued to act in good faith. Despite my efforts, I have been unable to obtain meaningful assistance or resolution through Bank XXXX XXXX auto loan and repossession departments.

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 2026-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shield Home Loans Inc.
State: CA

Complaint narrative:
I am an XXXX XXXX veteran reporting a highly deceptive direct mail solicitation from Shield Home Loans Inc . The mailer is disguised to look like an official government notice regarding my VA-guaranteed mortgage. The document uses official-sounding headings such as XXXX Benefit Allotment ' and 'Form 21-0760 Eligibility Notification. ' It specifically names my lender, XXXXXXXX XXXX XXXXXXXX Mortgage, and falsely states that my loan 'has been tagged for inclusion in our VA XXXX program. ' It attempts to create a false sense of urgency by establishing a fake deadline of XX/XX/year>, to 'reserve or accept ' this supposed benefit. This predatory marketing tactic is intentionally designed to mislead veterans into believing they are responding to official correspondence from the Department of Veterans Affairs. I am requesting that this company be investigated for deceptive advertising practices targeting the veteran community.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Complaint Narrative I am filing this complaint against JPMorgan Chase Bank regarding their handling of a billing dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) Transaction Date : XX/XX/year> Amount Charged : {$9500.00} Card Type : Chase XXXX Credit Card On XX/XX/year>, a payment of {$9500.00} was made to XXXX XXXX XXXX for business credit services. The merchant represented that they would establish XXXX business tradelines approximately {$150000.00} each for both of my businesses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in order to build business credit. XXXX tradelines were supposed to be reported to credit bureau, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After payment was made, the merchant failed to deliver the contracted services. No business tradelines was added to my business credit report. I disputed the {$9500.00} charge for services that were never rendered. The service purchased was the creation and reporting of business tradelines to credit bureaus. Chase closed the dispute stating that the merchant provided documentation showing the service was delivered or made available. However, Chase failed to verify whether the actual contracted service was completed. The merchants evidence consisted only of : an invoice an email claiming attachments were sent acknowledgment of receiving attachments These documents do not prove that tradelines were ever established or reported. The service outcome is objectively verifiable through business credit reports, which confirm that the promised tradelines do not exist. Under the Fair Credit Billing Act, Chase is required to conduct a reasonable investigation. Instead, Chase relied solely on merchant statements and did not verify the actual completion of the service. Additionally, this dispute qualifies under XXXX Reason Code 13.3 ( Services Not Rendered ), which requires proof that the service was completed as contracted. The merchant failed to provide any verifiable evidence of tradeline reporting, and Chase failed to require such evidence. Requested Resolution I request that the CFPB require Chase Bank to : Reopen the dispute Conduct a proper investigation under 15 U.S.C. 1666 Evaluate objective credit bureau evidence Reverse the {$9500.00} charge if the merchant can not prove service completion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint regarding the permanent closure of my Cash App account without being provided a clear or specific explanation. My account was used strictly for legitimate personal purposes, including sending and receiving funds between individuals and limited use of XXXX features offered directly within the app. I did not engage in any fraudulent, deceptive, or prohibited business activities. After my account was closed, I contacted support multiple times requesting clarification. However, I was only given generic responses stating that my account violated the Terms of Service, with no specific transaction, activity, or reason identified. I believe this action may have been triggered by automated systems or account-linking factors. I am a lawful Power of Attorney for a family member, and our accounts may be linked in the system, which could have contributed to a false flag despite no wrongdoing. Additionally, I recently updated my linked bank account due to switching financial institutions, which may have contributed to unusual activity flags. This lack of transparency prevents me from understanding or addressing the issue and raises concerns about inaccurate or automated enforcement. I am requesting : 1. A detailed explanation of the specific activity that led to my account closure 2. Confirmation that no negative reporting has been made against me 3. A secondary review of my account to determine whether this action was taken in error I respectfully request a fair and transparent review of this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On the weekend of XXXX XXXX XXXX, there were XXXX fraudulent charges from my Credit Karma account. I live in XXXX XXXX, TX. I was in XXXX, TX that weekend and the charges were all in New Jersey. Credit Karma is denying my disputes because the charges are showing to be chip transactions at the store. I never lost posession of my card so they are assuming that I was making these purchases. However, that is simply impossible. I will attach the transaction listing that will show transactions from Texas then New Jersey, then Texas and then back in New Jersey. It would be physically impossible for me to have made these transactions. As a financial institution entrusted with my finances, they are doing absolutely nothing to help me. I am not smart enought to understand the scam technology, but I know that my information was compromised. The transactions at the merchants was actually a token and not my physical card. I have called them and they can only find the transactions if I use the " token '' number and not my card number. The token number simply resembles a cc number and using the first XXXX digits and last XXXX, they were able to locate them. The transactions that were denied are all for the same amount. {$150.00}. Two Home Depots, XXXX XXXX and some place called XXXX. All in New Jersey. Again, I have never stepped foot in that state, nor do I know anyone in that state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding improper billing and unresolved charges on my credit card account issued by Comenity Bank XXXX XXXX credit card ). On XX/XX/XXXX, I made a purchase, which I fully returned on XX/XX/XXXX. I received confirmation that the full refund was processed back to my credit card, and I reasonably understood my balance to be {$0.00}. In XX/XX/XXXX, I was unexpectedly notified of a late fee and an outstanding balance of {$86.00}. Upon contacting customer service, I was informed that a {$2.00} charge for paper statements had been applied earlier, which I was not aware of and had not knowingly enrolled in. I was told this was a default setting. I disputed this and was assured by customer service that my account would be fully adjusted to a {$0.00} balance if I agreed to keep the account open ( XXXX Confirmation case # XXXX ). Based on this assurance, I agreed. I also saw refund transactions reflected on my account. However, on XX/XX/XXXX, I received another notice stating that I still owed {$86.00}. After contacting customer service again, I was told that this amount is due to late fees triggered by a remaining balance of {$0.00}. This situation is unreasonable. I was explicitly assured that my balance would be brought to {$0.00}, and I relied on that representation. The idea that a {$0.00} residual balance could generate repeated late fees totaling {$86.00} is excessive and unfair. I am requesting a full correction of my account to a {$0.00} balance and removal of all associated fees. I also request clarification as to why the previous promised resolution was not properly completed. This reflects a breakdown in billing accuracy and customer communication, and I am seeking a fair and final resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: SC

Complaint narrative:
XX/XX/year> I requested aligners from XXXX XXXX not only did I not receive them But they went bankrupt a couple weeks later, the first collection company that took over for them, I spoke with and they told me that while they where in the process of bankruptcy I still had to pay, but after numerous calls, they said they would clear it obviously they did not as this still Comes up on my credit as a negative item for product I did not partake in. Along the XXXX what I sent them by email. I am writing in response to a collection notice I received from your agency regarding an alleged debt originally owed to XXXX. I do not believe I owe this debt, and I am requesting that you provide full and complete validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. XXXX declared bankruptcy XXXX months I purchased aligners from them. They failed to fulfill their obligations under our agreement, and my treatment plan could not be fulfilled. As such, I dispute the validity of this debt and formally request that you provide the following information : The original creditors name and address. A detailed statement of the alleged debt, including the amount owed and a breakdown of fees, interest, or charges. A copy of the original contract or agreement that I allegedly signed with XXXX. Proof that XXXX provided the services or goods agreed upon in the contract. Documentation showing your legal authority to collect on this debt, including the chain of assignment or purchase of the debt. Evidence that the debt was not XXXX or affected by XXXX bankruptcy proceedings. Until this information is provided, you must cease all collection activity, including reporting this account to any credit reporting agency. If you have already reported this debt to any credit bureau, I request that you mark it as disputed. Please respond in writing to the address above. I am keeping records of all correspondence regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I opened a new account for XXXX because they advertised a high percentage off of your first purchase. I think it was XXXX or XXXX percent. I made my first purchase on XX/XX/year> and could not use the discount because the item I bought was on sale. This charge was XXXX and made a XXXX charge on the following day. I attempted to make the payment by phone just after the statement came, but the pay by phone system was down. I made the payment in full on the due date of XX/XX/year>. The next statement came showing the payment on XX/XX/year> with a late fee and interest charge. When I called to dispute the charge, I was told that the payment was received on XX/XX/year>, but it was too late in the day. I have tried several times to address this over the phone, and I am told that the person who I am speaking too doesn't have the authority to adjust the fees. I asked for the address to dispute the charges in writing and was told that they are unable to provide that information. I did find a customer service address and sent a letter to that address, and they sent one in response that stated that they could not address the issue via a correspondence and I would have to call an XXXX number provided in the letter. I did that after conducting some research on consumer protection rights. Today while I spoke to them they recognized that I did make the payment on the due date, but they said that it was recorded too late in the day. I asked for the charges to be reversed, and they said that there is nothing they could do since the account had been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: NV

Complaint narrative:
I did not receive anything from this company or my previous landlord until 4 years after my move out which XXXX XXXX XXXX was well aware of. They are trying to squeeze {$1300.00} plus more of out of me and they will not get it. The resolution is {$1000.00} settlement to be paid over XXXX months, and I take me out of collections or they will get nothing,

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
Subject : Formal Identity Theft Dispute Reinvestigation Required Hello, I am writing to formally dispute a loan opened in my name that I did not authorize. This account is the result of identity theft. I previously contacted your company, and I have been informed that you determined no fraud occurred. I am formally requesting a reinvestigation under my rights as a victim of identity theft. I have filed an Identity Theft Report with the Federal Trade Commission and am attaching it here. Under the Fair Credit Reporting Act ( FCRA ), I request that you : Provide all documentation related to this loan application, including identifying information used Reinvestigate this matter promptly Cease any collection activity during the investigation Remove any reporting of this account to credit bureaus if it is determined to be fraudulent Please note that I did not authorize this account and will pursue all available remedies if this matter is not resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, someone accessed my savings account and transferred {$6200.00} to my checking account and then made a wire transfer to an external credit union. I did not authorize any of these actions. This is classic fraud behavior and no step-up authentication was done. I had never done a wire transfer. I have never done any transaction with the credit union involved. I have attached a letter which more fully explains what Wells Fargo did or did not do. Thank you.

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