vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I am submitting this follow-up complaint regarding CFPB Complaint ID XXXX. My original complaint detailed multiple issues involving my XXXX XXXX account, including unnecessary card cancellations, repeated replacement card problems, loss of account access, and disruption to scheduled payments despite my long-standing history as a customer in good standing. The complaint was recently marked as responded/closed, but Synchronys response was provided only as an attachment. The attachment was then flagged and removed as a Threat Detected file before I could access it. As a result, I never actually received or reviewed Synchronys response to my complaint. I do not understand why the response was provided only through an attachment rather than included directly in plain text within the CFPB portal. Because the file was removed, the complaint was effectively closed without me being able to see the companys explanation, findings, or proposed resolution. After the amount of time spent documenting and submitting this issue, this outcome is extremely frustrating and reflects poorly on the complaint handling process. I am requesting that Synchrony provide the response again in a readable format directly within the CFPB response text or through another accessible method that does not rely solely on an attachment.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am filing this complaint against Bank of America due to their repeated failure to properly investigate a clear billing error and merchant fraud, in direct violation of consumer protection regulations. Background and Facts : 1. I made a reservation at XX/XX/XXXX for the dates of XXXX XX/XX/year> to XXXX XX/XX/year>. The total amount of {$710.00} was charged to my Bank of America debit card. XXXX. On XX/XX/year> exactly one week before my scheduled check-in, the merchant unilaterally canceled my reservation. 3. I received an official automated email from the merchant confirming that THEY had canceled the reservation. I am attaching this email as irrefutable proof. 4. The merchant has refused to issue a full refund, falsely claiming to Bank of America that I was the one who initiated the cancellation. This is completely false. I never requested, authorized, or executed any cancellation. Bank of America 's Failure : I have submitted a dispute with Bank of America three times, and each time it has been closed in favor of the merchant. Bank of America claims that the official cancellation email from the merchant is " insufficient evidence. '' Meanwhile, they are accepting the merchant 's word or internal logs without conducting a proper, objective investigation. The merchant failed to provide the service I paid for, canceled it without my consent, and is now wrongfully withholding my money. By refusing to credit my account despite clear written evidence that the merchant canceled the service, Bank of America is failing to protect me against merchant fraud. I request a full human review of this case.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a CFPB complaint against Zions Debt Holdings along with a formal validation and accuracy dispute letter sent under both the FDCPA and FCRA regarding account number XXXX XXXX XXXX. In my dispute, I specifically requested documentary validation of the alleged debt, including the original signed agreement, full accounting history, proof of ownership or assignment, and copies of legally required notices. I also specifically requested information necessary to verify the accuracy and completeness of the account being reported and/or collected, including : 1. The Date of First Delinquency ( DOFD ) ; 2. The date the account was purchased or assigned to Zions Debt Holdings ; 3. Documentation supporting the transfer or assignment ; 4. The complete data set maintained for the account ; 5. Copies of original source documents used to verify or furnish the account ; 6. A description of the investigation procedures used if the account was previously disputed. Zions Debt Holdings responded to the complaint, but their response failed to provide the critical information and documentation specifically requested under the FDCPA and FCRA. Their response did not fully address the verification requests necessary to confirm the legality, ownership, accuracy, and completeness of the alleged debt. Simply asserting that the account is valid or providing limited account information does not satisfy the requirements of a reasonable investigation or full verification of disputed information under federal law. If Zions Debt Holdings continues to report or collect this account without fully verifying the disputed information, then they may be furnishing unverifiable or incomplete information to consumer reporting agencies.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir or Madam : Please be advised that unauthorized/fraudulent transactions were made on my checking account on XX/XX/year>. Someone used my checking account or debit card ( I am not sure exactly how it was done ) and made two withdrawals in the following amounts : {$870.00} and {$360.00}. These withdrawals were made in XXXX XXXXXXXX at XXXX store. I never went to XXXX XXXX and I never bought anything at XXXX. I contacted Citibank and immediately put a dispute, the banking card has been changed, a new banking card has been issued to me. I was credited the amount back. Today, on XX/XX/year>, I found out that the above referenced money were again withdrawn from my bank account by Citibank. Once I contacted Citibank, I was told that " their investigation did not find that the transaction was fraudulent. '' I repeatedly stated I did not purchase anything in XXXX and I never went to XXXX XXXX. I stated to Citibank it is unacceptable and I am disputing these charges again. At this point I am asking Consumer Protection Bureau got involved. There is a complete lack of proof the transactions listed above are made by me or authorized by me. There is a complete lack of proof a proper investigation has been conducted, and Citibank did not present any evidence of the above referenced transactions being legit. In fact, Citibank as a financial institution is taking advantage of me, as a consumer. I was deprived of the amount of total {$1200.00} for about XXXX weeks. Currently, Citibank is again depriving me of my funds. I am insisting on considering the transactions being fraudulent, and I am insisting on my money being returned to me. My experience with Citibank is beyond frustrating, and their work should be considered inefficient. Please address immediately. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MO

Complaint narrative:
To Whom It May Concern : I am responding to your communication regarding the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act and my rights under applicable law, I am requesting validation of this debt. Please provide the following : The name and address of the original creditor. The amount of the alleged debt, including any fees, interest, or charges added. Copies of any documents bearing my signature showing I agreed to assume this debt. Proof that your company has legal authority to collect this debt. Documentation showing you are licensed or authorized to collect debts in my state, if required. A complete payment history and accounting of the alleged balance. Pending your response and proper validation, I dispute this debt and request that collection activity cease until the requested information is provided. Any reporting of this debt to credit reporting agencies without proper validation of the debt may constitute reporting inaccurate information. Please communicate with me in writing regarding this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
There was an unauthorized cash app transaction made for XXXX. I contacted the wells fargo to notify them that I did not authorize this transaction and they told me that since it was from my device that they couldn't grant me a refund but wells fargo did not take the proper precautions to keep my account secure with a possible fraudulent alert for such a big amount on which I've never sent such a large amount before via cash app. I did not receive any service or goods from this transaction : Cash app also closed the accounts but also did not retrieve the 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 explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Lending Services LLC
State: AL

Complaint narrative:
b'Subject: Failure to Correct Inaccurate Credit Reporting and Failure to Resolve Account Concerns\n\nI am filing a complaint against Global Lending Services regarding inaccurate credit reporting and the companys failure to properly address my account concerns.\n\nI have made multiple attempts to contact the company regarding this matter, but I continue to receive inconsistent information, delays, transfers between representatives, and no meaningful resolution. Despite repeated efforts, the company has failed to provide clear answers or proper documentation regarding my account.\n\nOn XXXX XXXX XXXX, I contacted the company requesting the removal or correction of this account from my credit report because the related court case was dismissed in XXXX. However, the account continues to negatively report on my credit file and has not been corrected or updated appropriately.\n\nI called the company four times in one day and was repeatedly told there was an alert on the account preventing representatives from assisting me. Additionally, the law firm previously involved informed me that the case had already been returned to the original creditor, Global Lending Services.\n\nDespite these communications, I have still not received:\n- A clear explanation of the account status,\n- Proper documentation,\n- A resolution regarding the inaccurate reporting,\n- Or assistance from a representative able to resolve the issue.\n\nRepresentatives have:\n- Provided conflicting information,\n- Failed to return calls,\n- Refused to properly explain the account,\n- Failed to provide requested documentation,\n- And continued giving me the runaround without resolving the matter.\n\nI am requesting that Global Lending Services:\n1. Conduct a full review of my account,\n2. Provide accurate written documentation regarding the account,\n3. Correct any inaccurate reporting or account information,\n4. Remove the creditor debt from my credit report if it cannot be properly verified,\n5. Provide a clear resolution and direct point of contact,\n6. Cease any improper collection or reporting activity until the matter is resolved.\n\nI believe I have made reasonable efforts to resolve this matter directly with the company, but my concerns remain unresolved.\n\nSincerely,\n\XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
I was sent a letter in the mail saying there was a civil suit against me for debt I didnt even know I had. There was no other information provided. I had my identity stolen a few years ago. So it couldve been from that. Steer river systems has provided no information of how they go my contact information or proof that the debt is mine. I also have not received any phone calls

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I paid off my mortgage with XXXX Bank on XX/XX/year>. I had a balance in my escrow account of approximately {$4600.00}. I called XXXX on XX/XX/XXXX to see what the status of this balance was. They told me they were backlogged and would need to investigate. I called XXXX on XX/XX/XXXX to see what the status was. They said they were backlogged and the time for investigation was 10 business days out. I checked the cfpb website and saw that they were requires to refund the escrow money within 20 business days of the mortgage being paid off. I called a second time on XX/XX/XXXX and asked to talk to a supervisor. I spoke to an employee named XXXX. He told me again that there was a backlog to investigate, and that he could open another ticket to investigate. I stated that I understood that the legal requirement was to refund this money within 20 business days and it was now 28 business days. He stated that he would escalate the request and gave me case # XXXX as a reference number. I called on XX/XX/XXXX to check the status. I was told that the escrow refund had been approved and they would cut a check and mail it to me. On XX/XX/XXXX ( today ), XXXX at XXXX bank left me a message stating that there was a backlog in the mortgage cashier department and there is at least a 10 business day turnaround on cutting a check. It has been 31 business days since I paid off my mortgage and XXXX bank has not refunded my escrow balance. They can not tell me when they will refund me the escrow balance. The backlog on the investigation and the backlog on the cashier department are internal issues to XXXX bank. Their staffing decisions that led to these backlogs should not be an acceptable reason to delay sending me the escrow check with in the legally required timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Subject : Violation of FDCPA 15 U.S.C. 1692g ( b ) Continued Collection Activity During Active Dispute Period To Whom It May Concern, On XX/XX/year>, I sent a formal Debt Validation Request via Certified Mail ( Tracking # XXXX ) to Fair Collection & Outsourcing. According to USPS tracking records, the agency received my correspondence on XX/XX/year> at XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g ( b ), and CFPB Regulation F, once a consumer disputes a debt in writing, the debt collector must cease all collection activitiesincluding reporting or updating information with credit reporting agenciesuntil they provide the consumer with written verification of the debt. As of today, I have not received any validation documentation from the agency. Nevertheless, the agency violated federal law by reporting and/or updating this account as a " Collection '' on my credit report in XX/XX/year>. I am attaching a screenshot of my credit report ( XXXX ) showing that the account was not reported in XXXX but appeared with a " Collection '' status in XXXX. This constitutes " Continued Collection '' during an active dispute, which is a clear violation of my consumer rights. I am requesting the immediate and permanent deletion of this trade line from my credit history due to the agencys failure to comply with mandatory legal procedures and their breach of the FDCPA.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
my personal information is incorrect and my employment is incorrect NAMES REPORTED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
I purchased my home in XXXX from XXXX XXXX XXXX, and I am a first-time homeowner. Recently, I received a letter from the XXXX XXXX XXXX XXXX advising that I am behind approximately {$10000.00} in escrow payments. After looking into the matter, I was informed that my property taxes were not properly assessed on the improved property value of the home, but instead were only assessed based on the lot itself. As a first-time homeowner, I relied on my mortgage company and escrow process to properly calculate and collect the correct amount for property taxes. I was never made aware that the escrow amount being collected was insufficient due to the property not being fully assessed. This situation has now created a significant and unexpected financial burden on my family. I am requesting that this matter be reviewed to determine whether there was any oversight, negligence, or failure to properly disclose or calculate the escrow obligations associated with my property taxes. I would also appreciate guidance regarding my rights and any possible options available to help resolve this issue fairly. Please let me know if you need any additional documentation, including copies of the tax notice, mortgage statements, or closing documents. Thank you for your time and assistance. Sincerely, 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 explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovo
State: AZ

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the following collection account currently appearing on my TransUnion credit report : Collection Agency : CREDIT MANAGEMENT COMPANY Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Reported : {$1500.00} Date Opened : XX/XX/year> I dispute the accuracy and validity of this account for the following reasons : The underlying medical bill is approximately XXXX XXXX XXXX. To the best of my knowledge, this balance was already paid. The account only recently appeared on my credit report in 2025 despite the alleged debt being many years old. I have concerns that this account may be improperly re-aged in violation of the Fair Credit Reporting Act ( FCRA ). Because of the age of the alleged debt, I request that TransUnion conduct a full investigation into : the original date of delinquency, the date of first missed payment, the reporting timeline, and whether this account is legally eligible to appear on my credit report. Please provide verification and supporting documentation from the furnisher demonstrating that this account is accurate, timely, and compliant with federal reporting laws. If the furnisher can not verify the account and reporting dates, I request immediate deletion of this collection account from my credit file. Please mark this account as disputed during the investigation process and send me the results of your investigation in writing. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
breifly stayed at address but did not created nor authorize use of credintials

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation