vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
hello please help i am very confused and scared. today is XX/XX/year>XXXX and i just got a email from synchrony bank and XXXX and it says i paid them {$6200.00} but i DID NOT DO THIS. i dont even have that much money in my bank right now and i am scared that my identity was stolen or something. IS THERE A UN AUTHORIZED THIRD PARTY ALLOWED BY SYNCHRONY?!?? how did they even get my information to try and pay this much money?? i dont understand because the bank account the email says the money is coming from is CLOSED and has been for a long time. so how can synchrony say the payment is 'on its way ' if the account is empty and closed?? i attached the picture of the email they sent me tonight. i am very worried because i dont want my credit score to break and i dont want synchrony to charge me big fees for a payment i never did. did someone hack my account or is synchrony just letting people pay for me without asking?? please tell them to stop and explain why they think this money is coming from a closed account. i am just a regular person and i dont want to get in trouble for this ghost money.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

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 2026-03-18 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Dear Sir/Madam, Please see attachments. I am writing to formally request a review and reopening of my previous complaint, numbered XXXX, concerning an unresolved dispute with TD Bank , related to a charge of {$1900.00}, dated XX/XX/XXXX, linked to merchant order number XXXX. On XX/XX/XXXX, I received a call from XXXX XXXX, Chairman of TD Banks resolution team, informing me that my case had been resolved and a credit of {$1900.00} had been issued. I also received two letters confirming that the credit was final and the case was closed. However, on XX/XX/XXXX, I noticed an unauthorized charge for this same amount on my account. Furthermore, I previously submitted a detailed 19-page document to TD Bank 's dispute department on XX/XX/XXXX, illustrating that XXXX XXXX XXXX failed to comply with its return policy by not sending the correct bike and missing the battery and parts. The bike remains unused and boxed, and I am requesting a refund accordingly. The company has no working phone ; you can only contact them by email. Many blogs I read show customers feel this company is a scam, and XXXX has proved just that. Additionally, I seek your assistance regarding another complaint. On XX/XX/XXXX, I applied for a TD Bank credit card that offered receiving {$200.00} cash back if I spent {$1000.00} within 90 days. Having met this requirement, I have yet to receive the cash back, despite assurances from customer service. If TD Bank doesn't resolve these issues immediately, I will close any business I have with TD Bank. Thank you for your cooperation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing an account reported by Transunion on my credit file due to inaccurate and incomplete information. The account reflects a recent reporting/closure date ( XX/XX/year>XXXX ) while lacking a last payment date and a complete payment history. This inconsistency raises concerns of potential re-aging. Critically, the Date of First Delinquency ( DOFD ) is not clearly reported. This date is required under FCRA 1681c ( a ) to determine the allowable reporting period, and must be accurately furnished under FCRA 1681s-2 ( a ) ( 5 ).

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 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing a complaint about SoFis servicing of a personal loan during an active XXXX XXXX bankruptcy. One borrower filed XXXX XXXX, but there is also a non-filing co-borrower who remains willing and able to make the monthly payments. SoFi has turned off autopay and is not successfully processing payments from the non-filing co-borrower. We attempted to make a payment, but SoFis system returned an error and stated the payment did not go through. SoFi has also told us it will not accept third-party payoff of the loan while it is bankruptcy-coded. At the same time, the account is showing past due. I need SoFi to provide a workable method for the non-filing co-borrower to make voluntary payments immediately, or to explain in writing why payment is being blocked and what process must be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: GA

Complaint narrative:
My mortgage servicer, LoanCare LLC ( loan # XXXX ), has been improperly withholding approximately {$53000.00} in homeowner 's insurance claim proceeds since a water damage event at my home in XX/XX/XXXXXXXX nearly 4 months ago. Their process for releasing funds has been unreasonable and obstructive at every step. Specific issues : ( 1 ) LoanCare told us funds would be released once documents were uploaded through their portal. Based on that representation, we scheduled a contractor, paid a deposit out of pocket, purchased materials, and began a 3-week repair window. We are now in week 2 of repairs, an inspector LoanCare sent to our property last week confirmed work is 75 % complete, and we have received XXXX dollars. Our contractor will finish before we see a single cent. ( 2 ) Their document upload portal takes 2-3 business days per submission with zero confirmation or feedback. On XX/XX/XXXX, I uploaded a signed contractor invoice. On XX/XX/XXXX I was told it appeared as " blank XXXX pages '' and that email submission is not permitted the portal is the only accepted method. I escalated ; they could only promise a callback. ( 3 ) I subsequently faxed the document to their provided fax number ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX with confirmed successful transmission. When I called to confirm receipt, LoanCare told me they do not have access to faxes for 2-3 additional business days. ( 4 ) Because I paid my contractor out of pocket to begin repairs, LoanCare informed me this triggers an " exception '' process adding another 5-10 business days. ( 5 ) Throughout this process LoanCare has earned interest on {$53000.00} that belongs to me while my family remains in insurance-covered temporary housing with a newborn.

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 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I keep receiving statements and phone calls from Harris and Harris about a debt with the XXXX XXXX. The statements show a picture of the license plate and emblem of a car that I have never owned. I have tried to call the agency but the wait time to speak to someone is more than 90 minutes. I will not sit on hold for something that doesnt even have to do with me. I suggest that the office tries to reach out more often until they can reach me. Additional information provided by consumer : XXXX Consumer called in to provide the additional information needing for complaint. Company Name : Harris & Harris LTD Phone Number : XXXX Location : XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account was permanently limited in XXXX ( exact date unknown ), and a balance of {$95.00} USD has been held since then. At the time, I was informed that the funds would be held for up to 180 days. However, more than one year has passed and I have not been given any option to withdraw my money. I have contacted PayPal multiple times requesting an explanation and access to my funds, but I have only received automated responses and no clear resolution. I am requesting a detailed explanation for the permanent limitation of my account and the immediate release of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am being sued when no proper documentation was provided. Had communication with a representative stated they would mail out proper document regarding the debt never received it. Also contacted family members regarding this matter after I was reached out to. Left law suit paper work taped with painters tape on my front door. Paper looked messed with. People were home no one had a clue that was left on the door.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I am disputing the accuracy of a collection account reported on my credit file by HARRIS & HARRIS LTD. I do not recognize this account and have not been provided with sufficient verification that this debt is accurate, belongs to me, or is being reported correctly. Under the Fair Credit Reporting Act, I have the right to dispute any information that is inaccurate or unverifiable. I am requesting that this account be properly investigated and verified with documentation. If the furnisher can not provide adequate proof, this account must be removed from my credit report. I am requesting full compliance with 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), which require accurate reporting and proper investigation of disputed information. Failure to properly investigate or remove unverifiable information may constitute noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Hello, I lived in the XXXX XXXX XXXX when I had my baby XXXX and shortly after moving in things went downhill. There was no exterior lighting in the apartment halls, therefore I had to blindly in the pitch black darkness go up and downstairs with my baby. I attached the photo of the no lights in the halls. There were also other issues such as mold, no A/C for 3 days so we were stuck in the apartment XXXX degrees. Then the worst part was they never replaced the carpet and when I told them and asked to replace it because I saw bugs in it they thought I was lying until they brought XXXXXXXX XXXX XXXX out and got attacked by fleas. Even after all of this they refused to change the carpet or do anything. It was an unsafe and unhealthy living condition for my infant and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
I submitted a dispute because my account was hacked multiple times using chimes easily accessible online banking platform.They make it easy to hack your account and still dont want to pay you your money back. This platform should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: SC

Complaint narrative:
TO XXXX XXXX XXXX XXXX : SEZZLE NOT A XXXX COMPANY. SEZZLE COMPANY .THIS COLLECTION IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY HAS14 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT. COLLECTION AGENCY DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. THIS COMPANY IS NOT APART OF THE XXXX XXXX XXXX AND IS NOT A LEGIT COMPANY AND NOT ON THE XXXX. ( Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of XXXX, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM XXXXXXXX XXXX XXXXXXXX FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX IS SECURITIZING AND HARASSING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am filing a complaint regarding a misrepresented credit card benefit associated with my American Express XXXX XXXX. I was explicitly informed that my account would receive a {$150.00} Corporate Advantage annual credit tied to my corporate card relationship. This benefit was communicated to me and factored into my decision to maintain the card. However, after the benefit was not applied, I contacted American Express. During my interaction with their support team, they acknowledged that the benefit had been communicated but stated that it was not properly attached to my account due to a system issue. Despite this acknowledgment, they have refused to honor the benefit. This situation is concerning because it reflects a failure to honor a clearly communicated card benefit, which influenced my financial decision-making. At a minimum, this constitutes a misrepresentation of benefits provided to a cardholder. I am requesting that American Express : 1. Honor the {$150.00} XXXX XXXX annual credit as originally communicated, and 2. Ensure that this benefit is correctly applied to my account going forward. I have attempted to resolve this directly with American Express, including escalation to their Executive Customer Relations team, but they have declined to provide a resolution. I would appreciate assistance in ensuring that the benefit is honored as represented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Complaint Against Cash App Failure to Comply with Regulation E ( Unauthorized Transfers ) On XX/XX/year>, I reported unauthorized electronic fund transfers totaling {$8500.00} from my Cash App account after my phone was stolen. The funds were transferred in XXXX transactions to a card that I do not own. Cash App opened an investigation under XXXX # XXXX. However, they failed to comply with the requirements of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005.11 ). More than 10 business days passed without : Issuance of provisional credit Written notice of investigation extension Written determination of investigation results As of today, approximately XXXX weeks later, Cash App still has not issued provisional credit or provided any documentation supporting authorization of the transactions. I made multiple attempts to resolve this directly, including submitting a formal notice of noncompliance and requesting documentation pursuant to 12 C.F.R. 1005.11 ( d ), including authentication logs, device/IP data, and records demonstrating authorization. Cash App has failed to provide any of this information. Their responses have only acknowledged the complaint while continuing to withhold funds and avoid compliance with federal law. Under 15 U.S.C. 1693g ( b ), the burden of proof is on the financial institution to demonstrate that the transfers were authorized. No such proof has been provided. This represents ongoing procedural noncompliance with Regulation E and failure to meet required timelines for consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it XXXX concern, I am writing to request my consumer report and update/correct my personal information on file with your company. Please update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX Please remove all the other addresses off my report as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate. My name is XXXX XXXX XXXX. Please remove any other aliases or misspellings that do not reflect my correct identity. Please remove all phone numbers. They do not belong to me. Sincerely, XXXX 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 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: WA

Complaint narrative:
I am writing to report a possible case of identity theft involving a XXXX account opened under my name without my authorization. I have never been a XXXX customer. Despite previously contacting the XXXX support team and being informed that no action was required and that the issue was resolved, I have since received collection notices and now see that this fraudulent account has been reported to the credit bureaus. This is causing material harm to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This bank is a scam. They've used my account without my consent, closed my online banking more than XXXX times this year, and reactivated it every time I call. They offer no apparent reason and have stolen money I didn't authorize. Wells Fargo is a scam. I have a record of my XXXX phone calls, showing more than XXXX times they've made me call them, incurring call charges. I am seeking damages.

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