vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) requires consumer reporting agencies to block the reporting of information resulting from identity theft within four business days of receiving proper documentation.

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 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a medical collection account being reported on my credit file by Collection Management for {$1500.00} allegedly owed to XXXX XXXX XXXX XXXX. I dispute this account in its entirety because I have no knowledge of this alleged debt and was never provided proper notice or validation of the account prior to it being reported to the credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ), a consumer must receive proper written notice and the opportunity to dispute a debt before collection activity continues. I never received any written validation notice, billing statement, or communication that would allow me to verify this debt. Additionally, under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681s-2 ), furnishers of information have a legal duty to report information accurately and to conduct a reasonable investigation before furnishing derogatory information to consumer reporting agencies. Reporting a collection account without first providing validation or verifying the accuracy of the debt is a violation of this law. Because this appears to be a medical account, it must also comply with federal patient billing transparency protections under the No Surprises Act, which requires clear disclosure and accurate billing practices. I was never provided any bill, explanation of benefits, or documentation establishing that I am responsible for this amount. At this time, Collection Management has failed to provide : A signed agreement or document showing I am legally responsible for this debt Itemized medical billing statements showing how the amount of {$1500.00} was calculated Proof the collector has legal authority or assignment to collect this alleged debt Proof that proper notice was provided before reporting the account Reporting an unverified medical collection that I had no knowledge of is causing significant harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: VA

Complaint narrative:
In XX/XX/XXXX, I purchased a sectional and ottoman from Value City XXXX for {$3800.00} using a store credit card now serviced by Synchrony Bank. The furniture was not delivered but XXXX has my full payment and the credit card has been paid off. Value City XXXX closed due to bankruptcy, and there is no way to obtain the my furniture or resolve the issue with the merchant. I filed a billing dispute with Synchrony Bank for incomplete merchandise and provided all requested documentation, including the purchase receipt and information regarding the undelivered pieces. My online account initially indicated the dispute would be resolved by XX/XX/XXXX. However, no provisional credit has been issued and the investigation has not been completed. On the morning of XX/XX/XXXX, I contacted Synchrony Bank multiple times to request an update and escalation. I spoke with several representatives and managers. The final representative ( identified as XXXX, ID # XXXX ) stated that the investigation was taking longer, refused to provide additional details, and refused to escalate the issue when I requested to speak with a supervisor. The merchant is no longer operating due to bankruptcy, and there is no way for the merchant to complete or correct the order. I am requesting that Synchrony Bank resolve this dispute, provide appropriate credit for the incomplete merchandise, or at minimum issue a provisional credit while the investigation continues, as I am currently responsible for a charge of nearly {$4000.00} for furniture that was not delivered.

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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau I am filing this complaint regarding PayPals mishandling of a fraud dispute involving unauthorized transactions on my account. My PayPal account was compromised by a hacker who used my account to place two unauthorized orders with XXXX. One order was over {$7000.00} and the other was over {$4000.00}. The hacker also accessed my PayPal account and added one of my credit cards ( a XXXX card ) without my authorization and used it to make two additional charges with a company called XXXX. I immediately reported these transactions as unauthorized. The XXXX charges were investigated and refunded after they were determined to be fraudulent. However, PayPal mishandled the dispute related to the XXXX transactions. I recently learned that PayPal incorrectly filed my dispute as item not received. This is completely inaccurate. I never claimed that I placed an order and did not receive the items. My claim has always been that these transactions were unauthorized and that my account had been hacked. A PayPal dispute representative informed me that the dispute had been filed this way because it would be easier for PayPal to recover their money. This misclassification caused the dispute to be handled incorrectly. As a result, PayPal has now sent a balance of approximately {$6500.00} related to one of the fraudulent XXXX orders to collections, even though I have consistently reported that the transaction was unauthorized. I also attempted to dispute the charges through my bank and through my XXXX XXXX credit card. Both institutions rejected the transactions as unauthorized. I feel that I have been victimized twice : first by the hacker who compromised my account and then by PayPals improper handling of my fraud claims. I am requesting that PayPal : 1. Reclassify this dispute correctly as unauthorized account use. 2. Conduct a proper fraud investigation. 3. Immediately recall the account from collections. 4. Remove any balance associated with the fraudulent transaction. 5. Confirm that no negative information related to this matter will be reported to any credit bureau. ( 2 ) I respectfully request the Consumer Financial Protection Bureaus assistance in resolving this matter and ensuring that PayPal corrects its handling of this unauthorized transaction. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX Phone # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Company : Synchrony Bank Product : Credit Card Issue : Billing dispute / Incorrect interest charge Amount in dispute : {$16000.00} I am filing this complaint regarding a retroactive interest charge of {$16000.00} that was added to my Synchrony Project Card account in XXXX 2025. The original loan amount was {$30000.00}. To date, I have paid {$22000.00} toward this account. I was not notified that deferred or retroactive interest would be assessed. No prior written notice was provided before the {$16000.00} interest charge was applied. I retain all email communications from Synchrony Bank and none reflect notice that the promotional financing had expired or that interest would be assessed retroactively. Upon discovering the charge, I requested documentation, including a copy of my signed credit application and agreement. Synchrony responded in writing that a copy of the application for the above reference account is not available. Instead of providing a signed agreement or dated promotional disclosure, Synchrony sent a generic cardholder agreement template and asserted that those terms govern the account. No documentation has been provided demonstrating that I received, reviewed, or agreed to the specific promotional financing terms or retroactive interest provisions now being enforced. On XXXX XXXX, 2026, Synchrony received my certified written billing dispute. On XXXX XXXX, 2026, Synchrony issued a denial stating they were unable to remove the interest charges but did not address : The absence of a signed agreement The failure to provide proof of disclosure The lack of notice prior to assessment The unreadable documentation previously provided The bank has continued collection outreach while failing to substantively address the documentation issues. I am requesting that Synchrony Bank : Provide a copy of my signed credit application and agreement in effect on XXXX2023. Provide dated documentation showing I received clear disclosure of deferred interest and retroactive interest terms. Remove the {$16000.00} retroactive interest charge in the absence of documented proof of signed agreement and clear disclosure. I am seeking a fair resolution based on proper documentation and 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: WA

Complaint narrative:
U.S. Bank is reporting 'Account Abuse ' to XXXX on an account that was subject to a Texas Divorce Decree dated XX/XX/year>. The decree ordered the funds split. I have had no access to or benefit from this account since the divorce. Any 'abuse ' occurred after the legal dissolution of the marriage and was committed solely by the other party. U.S. Bank failed to properly administrative-close the account or distinguish between the two parties. This is inaccurate reporting under the FCRA and is causing me significant financial harm ( XXXX Score : XXXX ). Due to upload size limitations, the portal will not let me upload the PDF of my entire divorce decree. The pages provided show the cover page, pages stipulating how the US Bank account was to be handled, and the pages with the signatures. Other pages are available upon request. Please note that I went back to my maiden name after divorcing, so while the divorce decree says XXXX XXXX XXXX, my legal name is XXXX 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 non-monetary relief
Consumer complaint received 2026-03-10 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: AL

Complaint narrative:
CREDENCE RESOURCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I tried to dispute money charges that I did not make but the bank was closed, they told me to call tomorrow which I did and they had dispute my money already with out letting me know and they denied the whole thing. I also suspect that my Identity is compromised too, They sealed my records illegally so they might say they don't see much but this is a lie. This is consumer protection embrechment and breach of contract. I do have them on a one way consent audio call. I have proof of this fraudulent 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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
From XXXX I didnt have access to my phone. It got broken and I was hacked out of my bank account. Turned off alerts and added it too the virtual wallet. They then created a dispute of old money tempting to cashout. All the reversal credits my bank say I reviewed were spent when I was hacked. The person who did it had sent the credits themselves which I had tried to calls refund on. A check is later placed on my account XX/XX/year> which gave me a negative balance. I then filed for dispute getting my account back about the negative account balance the fruad check hold when I dont even have XXXX XXXX & to cancel it. I kept clicking dispute during the acting leading to a call. Nothing was resolved they said it was on a hold and should be cleared. Waited a week later with a negative account balance because to stop a fruadulent check you have to be charged a Stop Payment Fee These were charged into my account making it seem like I payed this. They took that when I wanted the check removed but charged that payment 3x times! I just wanted help with the check situation and when the credits were sent to me and I couldnt use them. They are now just extending my account in the negative and adding more reversals they can reverse otherwise if I never received them they can dispute that transaction. When providing my evidence to the bank I was told to keep submitting paperwork for my credits and this to be solved but ive been just getting the other hand with no good customer service help as well as had a branch meeting and I was told I had a certain amount of credits to come which I never recieved. My proof is real and the problem really happened. So Once I gained my account back I called spoke with 20+ members and nothing was resolved but telling me to wait and wait and wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

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 2026-03-10 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/year>, I booked a boat rental through XXXX scheduled for XX/XX/year> and paid in full. Immediately after booking, I contacted the boat owner through the platform to confirm the reservation details and correct the rental date. The owner never responded and never confirmed the booking or provided any instructions, logistics, or access information for the rental. Because the owner never communicated or confirmed the reservation, I canceled the booking on XX/XX/year>. The boat rental was never confirmed, no services were provided, and the reservation was never used. XXXX published policies state that the default cancellation policy allows for a 100 % refund of the rental amount when a booking is canceled at least five days before the departure date, unless the owner specifies a different policy. However, in this case the booking itself was made only three days before the scheduled rental date ( XX/XX/XXXX for a XX/XX/XXXX reservation ). This means the default five-day cancellation window could not reasonably be met at the time of booking. The policy does not clearly explain how cancellations should be handled when a booking is made within that five-day window. Additionally, the service required confirmation and communication from the boat owner in order to proceed with the rental. The owner never responded to messages or confirmed the reservation, meaning the rental service was never made available or performed. Despite the service never being confirmed or provided, the merchant retained the base rental payment. I disputed only the base rental cost and did not dispute the platform service fee. I believe this charge qualifies as a billing error because payment was retained for services that were never confirmed or delivered. I am requesting that Goldman Sachs Bank USA conduct a proper review of this dispute on my Apple Card account and issue a permanent credit for the disputed amount. I am concerned that my dispute may not have been fully investigated under the requirements of the Truth in Lending Act and Regulation Z, which require credit card issuers to conduct a reasonable investigation of billing errors, including charges for services not accepted or not delivered as agreed. I provided documentation showing that the boat owner never confirmed the reservation, never communicated with me, and that the service was never provided. I am requesting that Goldman Sachs Bank USA conduct a thorough review of this billing error and provide a permanent credit for the disputed amount on my Apple Card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
What happened On XXXX XXXX, 2026, I attempted to use a Chase ATM at my local branch located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX to XXXX cash. The ATM was out of service and could not process my transaction. Because I needed cash, I was forced to use a non-Chase ATM located inside the XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX to withdraw {$80.00}, which charged me a {$3.00} surcharge fee from the ATM operator. I contacted Chase to request reimbursement of the {$3.00} surcharge. Chase acknowledged the issue and reimbursed their own {$3.00} non-Chase ATM fee, but refused to reimburse the {$3.00} ATM operator surcharge. I requested a goodwill credit and was denied. I should not be financially penalized for using a non-Chase ATM when Chase 's own equipment failure left me with no alternative. The {$3.00} surcharge was a direct result of Chase failing to maintain a working ATM at my local branch. Desired resolution I am requesting a goodwill credit of {$3.00} to my checking account to cover the ATM operator surcharge I was forced to pay due to Chase 's non-functioning ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
They waited until I deposited XXXX dollars into the account locked the account would not let me remove funds requested information in which I provided called them and they then closed the account and told me im not allowed to have my funds for 120days even know I just deposited them and they locked it right when I deposited the money gave me no reasoning and no solution I requested atleast working on getting the funds as it was suppose to be bill money and they refused the request

Company response to consumer: Closed with explanation