vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I am submitting this complaint regarding an Amazon/Synchrony credit account because I dispute how the alleged debt was created, investigated, and reported. I opened an Amazon credit account with an approximate {$400.00} limit. I am not disputing that the account itself was opened by me. My dispute concerns recurring Amazon XXXX membership charges that were placed on the account and ultimately caused the balance to grow. After the account was opened, recurring charges of approximately {$12.00} per month for Amazon XXXX began appearing on the account. I did not knowingly request or authorize an Amazon XXXX membership associated with this credit account. I did not use this account for regular personal Amazon purchases. The account activity primarily consisted of recurring XXXX membership charges, followed by late fees, returned-payment fees, and interest. At the time the account was opened, autopay was connected to my checking account. Because automatic payments were already established, payments were withdrawn automatically and I was not immediately aware that recurring XXXX charges were continuing to post to the account. By the time I discovered the issue, the account balance had materially increased due to recurring charges and related penalties. Once discovered, I disputed these charges multiple times and attempted to resolve the issue. However, my disputes were denied and the account continued to be reported negatively. I believe this matter was not adequately investigated. I request that the company provide : * Proof of my authorization and enrollment into Amazon XXXX; * The date, method, and evidence of consent to recurring billing; * An itemized accounting separating XXXX membership charges from late fees, returned-payment fees, and interest; * Documentation of how prior disputes were investigated ; * Verification of the accuracy of credit reporting, including any reinsertion after prior disputes. I dispute the validity and accuracy of the balance because it appears to have been substantially generated through recurring XXXX charges that I did not knowingly authorize, along with compounding penalties and interest. I request correction of any inaccurate reporting and appropriate relief if the charges can not be properly validated.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
a credit card was fraudulently opened in my name- syncrony bank WALMART They say they closed the account... I filed a complaint with the FTC. Syncrony bank is not sending verification that the acocunt is closed to the XXXX credit reporting agencies PLEASE ASSIST ASAP Syncrony bank claims they reported to the agencies... I am here with this debt of a non existant {$1000.00} credit line from WALMART on all XXXX of the credit reporting agencies. XXXX needs to change their system ... it is near impossible to reach a live person ... to discuss in accuracies in their report ... People need to be able to reach these institutions to monitor their credit.

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( servicer for XXXX XXXX XXXX ) and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding debt account Reference # XXXX ( original Synchrony Bank / PayPal Credit account ending XXXX, balance {$3300.00} ). Timeline and Issues : On or around XX/XX/XXXX, I sent a formal written dispute and validation request under the FDCPA to XXXX, XXXX XXXX XXXX ( Ref # XXXX ). The certified mail was delivered/picked up on XX/XX/XXXX. No proper response was received. On XX/XX/XXXX, I received an initial collection package from XXXX XXXX XXXX. I responded in writing disputing the debt and requesting full validation ( original credit agreement with Synchrony, complete chain of assignment to XXXX, and proof of the XX/XX/XXXX last payment date ). On XX/XX/XXXX, XXXX sent another letter and the same basic Account Summary Report. This does not include the original signed credit agreement, full chain of title/assignments, or specific proof of the last payment. I consider this insufficient validation under the FDCPA. I have repeatedly extended a good-faith {$1000.00} full settlement offer and requested written confirmation of key terms ( paid in full with {$0.00} balance, XXXX tradeline deletion per their policy, deletion timeframe, and no further collection or legal action ). No written settlement agreement has been provided. The account is currently reporting on my credit reports with the notation Account information disputed by consumer, meets FCRA requirements. However, the verification provided remains inadequate. Requested Resolution : Require XXXX / XXXX to provide complete debt validation, including the original Synchrony credit agreement and full chain of assignment/ownership. Require them to cease all collection activity until proper validation is provided. Require a written response to my {$1000.00} settlement offer with the specific protections I have requested. Investigate whether continued collection without proper validation violates the FDCPA. Update or delete the tradeline if validation can not be properly provided. I have kept detailed records of all correspondence, certified mail tracking, and their responses, which I can provide if needed.

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 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer through Taptap Send in the amount of USD XXXX ( Transfer ID : XXXX ). The recipient never received the funds. Since the transfer date, I have contacted the company multiple times seeking assistance and clarification regarding the location of the money and the resolution process. Taptap Send acknowledged in writing that the funds were not received and that the case is under investigation with their partner in XXXX. However, despite several days of communication, the company continues to provide repetitive and non-concrete responses without a clear resolution, refund timeline, or confirmation of where the funds are currently located. I have fully cooperated with the investigation process and provided all requested documents and bank statements. Even so, the issue remains unresolved, and the funds are still unavailable. I am submitting this complaint because the transfer has not been completed, the money has not been refunded, and the company has failed to provide a concrete resolution despite acknowledging the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: CA

Complaint narrative:
I have a loan account XXXX XXXX XXXX XXXX XXXX XXXX originated by XXXX XXXX in XX/XX/XXXX and transferred to SST following XXXX 's closure in XXXX. I have made 48 monthly payments of {$100.00} totaling approximately {$4800.00} on an original balance of {$3200.00}. My mathematical analysis shows my balance should be approximately {$1300.00} based on the stated 27.74 % APR and {$2.00} daily interest accrual. SST is reporting a balance of {$2800.00} a discrepancy of approximately {$1400.00} that I can not account for under the stated loan terms. I have sent a formal debt validation letter via certified mail requesting a complete itemized payment history and original loan documentation. I believe SST may be collecting an amount not authorized by the original agreement in potential violation of the FDCPA and TILA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank charged me {$15.00} per month for XXXX consecutive months ( total {$60.00} ) because they increased the minimum balance requirement on my checking account. I did not receive proper notification of this policy change. The bank claims they sent a notification through the mobile app, but I check my balance and transactions on the app - I do not read every single message. A policy change that results in monthly fees should be communicated in a way customers can not miss, such as an email or a mandatory pop-up. When I noticed the fees on my statement, I contacted TD Bank immediately. They only refunded {$15.00}. I am requesting a full refund of the remaining {$45.00}. TD 's partial refund indicates they acknowledge the notification was insufficient. Please help me get the remaining {$45.00} refunded. After seeing the message, I immediately contacted the bank. They didn't ignore or evade the issue. Initially, the staff said a refund was possible, but the money would be deducted again next month. They suggested I call to request a refund, but each time they just gave me the runaround of getting a one-month refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Someone attempted to open a credit card account in my name without my authorization, and several hard inquiries were generated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I entered into a Retail Installment Credit Sale Contract ( FL ) with XXXXXXXX XXXX XXXX XXXX, financed through XXXX XXXX XXXX ( XXXX ), Account XXXX, for XXXX XXXX XXXX XXXX across 5 body areas 40 total sessions for {$3700.00}. I received only 23 of 40 contracted sessions ( 57.5 % ). Ideal Image sold my service location, filed a WARN Act notice closing their Florida headquarters XX/XX/XXXX, and has no locations accessible to me in Florida where I now reside. The remaining 17 sessions can not be delivered. On XX/XX/XXXX, I sent XXXX a formal written FDCPA dispute via certified mail disputing the debt in its entirety. XXXX never provided debt validation. On XX/XX/XXXX the same day XXXX filed a response to my CFPB complaint XXXX transferred this account to TekCollect for collections without resolving the dispute. The Finance Agreement XXXX provided contains the FTC Holder Rule notice in bold capitals, making TekCollect as XXXX subject to all defenses I have against Ideal Image, including failure to deliver 42.5 % of contracted services. On XX/XX/XXXX, I sent TekCollect a formal FDCPA dispute and validation demand via certified mail. TekCollect has not responded. I am requesting the CFPB investigate TekCollect 's receipt and attempted collection of a formally disputed debt transferred in violation of 15 U.S.C. 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Texan Credit Corporation
State: TX

Complaint narrative:
I did not provide my information for this loan, so I have no idea why it is on my credit.

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 2026-05-20 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 have automatic payment on full amount and the company whats charging XXXX dollar only charging interest on the balance and fees The main issue when I dont use the card, they charge minimum charge what I never agree on Customer Service was very rude and they were never fixed the issue they want me to pay whatever they want for something. I never agree. Minimal monthly Finance. I dont use the card and the automatic payment I request full payment and they only charge {$100.00} to charge interest on the Ballance After closeing the account and paid in full still getting bills

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I dont remember but my credit bad and I want it fix I want a major credit card plus I want to buy a house next year

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Office of Charles Mifsud, LLC
State: OH

Complaint narrative:
I was saddled with {$5000.00} of repayment on a XXXX overpayment. I started paying this debt at {$50.00} a month since XX/XX/XXXX. Have NEVER once in XXXX years missed a payment ever. Recently I discovered back in XXXX this collection attorney said I owed a {$100.00} more then I did, called him down on it. LOW AND BEHOLD, oh gee XXXX of my {$50.00} payments was credit to another account ( his ). Now I want to know how many other payments in XXXX years I didn't catch. Recently a check written and sent o. XX/XX/XXXX was never cashed until XX/XX/XXXX. My XXXX check written XX/XX/XXXX still has not been cashed. On XX/XX/XXXX at XXXXXXXX XXXX this XXXX via email started harassing me for payments, then on XX/XX/XXXX XXXX XXXX. and again on XX/XX/XXXX at XXXX XXXX. a XXXX from this firm has began harrasing by phone for payments. I am guessing in retaliation for my finding they tried to keep a {$100.00} of my payments. My payment is current as of XXXX, they have yet to cash the check. The HARRASSMENT needs to cease. How many other of my payments were not credited or how many other innocent people have been victims. I am current on payments have all copies of my checks since day XXXX. The HARRASSMENT needs to cease.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: Total Card, Inc.
State: TX

Complaint narrative:
My Emblem credit card has been hacked by a fraudulent online company. I called Emblem because the hacker has changed my login info and email. They made several charges and also made a {$500.00} payment to the card with my saved checking Account info so they would have more of a limit to spend. Emblem stated they are unable to close my account or give me access to the site so I can see the fraudulent charges. I had to go to my bank and close my whole checking account because emblem would not close that account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
1. Service Address & Sales Fraud : XXXX sales representatives intentionally used a fraudulent service address ( XXXX XXXX XXXXXXXX XXXX ) instead of my actual address ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) to force an unauthorized home internet sale. The internet immediately stopped working due to this incorrect location setup. 2. False Promotional Tactics : The representative used deceptive practices to push a promotional tablet under false pretenses. When I attempted to return the tablet due to the fabricated account details and misleading information, XXXX refused to accept the return. 3. Improper Billing & Collections : The account was canceled, and all valid balances were paid. XXXX is now attempting to collect on an illegitimate debt stemming from their own sales fraud and billing errors, and they have wrongfully sent the account to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CT

Complaint narrative:
U.S. Bank froze my account/card and informed me it will remain frozen indefinitely unless I provide a second receipt for an airline ticket transaction. No such second receipt exists. I explained this repeatedly and requested alternative verification methods, but representatives continued repeating scripted responses and refused to provide a reasonable alternative or clear explanation. I am willing to verify my identity and transaction history through any reasonable method. I am requesting immediate executive review and removal of the freeze so I can regain access to my account and funds.

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 2026-05-23 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: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a pair of shoes using my U.S. bank smartly signature Visa card. and later discovered that the shipment contained XXXX left shoes, making the merchandise unusable and defective. The issue was not reasonably discoverable until I attempted to wear the wear after about 5 month. After discovering the defect, I contacted the merchant and attempted to resolve the matter and didnt receive a resolution. I then requested that U.S. Bank process a XXXX merchandise-not-as-described dispute. The dispute was not properly handled due to timing concerns despite the defective nature of the merchandise and my efforts to resolve the matter. I believe this decision is unfair because the bank denying everything solely because of the 60-day timing when the defect was only discovered during use.

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 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Im writing to file a complaint against UNITED AUTO CREDIT C for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: United Collection Bureau, Inc.
State: KS

Complaint narrative:
So its a little different then the options before. A debt collector called and left a voicemail opening stating they were a debt collector attempting to collect a debt. I still have the voicemail anf from what ive read they cant leave a voicemail stating that. I do not have identification on my voicemail that they have reached me.

Company response to consumer: Closed with explanation