vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Complaint against floor and decor and synchrony bank. I am filing this complaint against Synchrony Bank regarding a deferred interest charge applied to my XXXX & XXXX credit card account. I have already contacted Synchrony Bank directly and they refused to resolve this matter, which is why I am escalating to the CFPB. Issue 1 Failure to Disclose Deferred Interest Terms At the time of account opening, I was never informed that my promotional financing offer carried deferred interest. No representative explained that interest was accruing during the promotional period, or that any remaining balance at the end of the period would result in all accumulated interest being charged at once. This lack of disclosure is a violation of the Truth in Lending Act ( TILA ), which requires clear and conspicuous disclosure of all financing terms prior to account opening. Issue 2 No Cardholder Agreement Provided I have never received a copy of my cardholder agreement. When I log into my Synchrony account online, no signed agreement is accessible or on file. I was never provided the terms and conditions governing my account, including the deferred interest terms, in any form physical or electronic. Issue 3 Unauthorized Paperless Enrollment I never consented to paperless statements or electronic delivery of account documents. However, when I log into my Synchrony online account, it shows that I am enrolled in paperless delivery. I did not authorize this enrollment. As a result of this unauthorized enrollment, I never received physical statements, end-of-promotional-period notices, or any alerts warning me that my promotional period was ending and that a large interest charge was imminent. Impact As a direct result of these failures, I was charged {$2000.00} in deferred interest that I was never made aware of and could not have anticipated. I have since paid this charge under financial duress, as it was added to my balance without warning. Beside of it store representative stated that my payments will be divided equally that full amount would be paid in full in a year, but bank only put minimal charge. At this time multiple fees accumulated for more than XXXX $ for each month after XX/XX/year> 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 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
My phone 's been hack bank hack checkbook stolen and deposit in my bank also Im bankruptcy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing the accuracy of an account being reported on my credit report. I have not received documentation validating the balance, payment history, or proof that the reporting entity has the legal right to report this debt. Under the Fair Credit Reporting Act, I am requesting verification of this account. If the account can not be properly validated, I request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Incorrect personal information, employers, and accounts older than 2 years are currently on my account.

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 2026-03-16 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: MD

Complaint narrative:
Incorrect personal information, employers, and accounts older than 2 years are currently on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A vehicle loan from Wells Fargo is currently being reported on my credit report, and this account does not belong to me. I have never applied for, authorized, or signed any loan or financing with Wells Fargo for this vehicle. This account appears to be either a mistake or possible fraud, and it is inaccurately affecting my credit report and credit score. I am formally requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). If Wells Fargo can not properly verify that this account belongs to me, it must be removed from my credit report immediately.

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 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
A " friend '' had asked me to receive a payment for him of {$800.00} in exchange for XXXX dollars, so I deposited {$750.00} ( XX/XX/year> XXXX ) on Zelle and put in his card information into my XXXX XXXX as he " doesn't use '' any cash transaction apps so I told him I'd do the favor for him. Later to I found out he scammed that person by impersonating an XXXX and was selling the person a golf simulator but didn't send it to them. The person reached out to me demanding the XXXX dollars back or he could press charges and I would be included even though I had XXXX knowledge that " friend '' was scamming people and impersonating law enforcement which is a felony so I did the right thing and gave that person their money back. But now I am out of XXXX dollars. Is there anyway to undo the transaction as that person is not responding to my calls or texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CashRepublic Holdings, Inc.
State: NC

Complaint narrative:
I am an XXXX XXXX service member and this loan from Omni Financial was issued with an interest rate of approximately 29 %. Under the Military Lending Act, lenders must comply with a 36 % Military Annual Percentage Rate ( MAPR ) cap and provide required disclosures for loans issued to service members. I am requesting documentation confirming that this loan complied with all requirements of the Military Lending Act, including : Documentation showing the Military Annual Percentage Rate ( MAPR ) calculation Proof that required Military Lending Act disclosures were provided before the loan was issued Verification that the loan terms comply with federal protections for XXXX XXXX service members If Omni Financial can not demonstrate compliance with the Military Lending Act, this loan may be void under federal law. I am requesting that the account be removed from my credit report if it can not be verified as compliant.

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 2026-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
Date ( XXXX ) of occurrence : [ XXXX, XXXX XXXX ] Amount : $ [ {$9.00} ] Actions taken by me : I used this Chime card for a one-time food order on [ XX/XX/XXXX, XXXX XXXX ]. I did not authorize this card to be saved or used for a subscription. I previously canceled XXXX and did not link this specific card to that service. When I saw the late-night charge, I immediately froze my card in the Chime app. I tried to contact XXXX support via email and got a " no-reply '' automated message. I tried to report the fraud to Chime, but their system refused to allow a dispute while the charge is " Pending. '' Actions taken by the company : XXXX : " Scraped '' my card info from a one-time order to force a subscription payment on a card that was never on file for XXXX. Chime : Refused to stop the unauthorized " Pending '' hold or provide a merchant block despite my report of unauthorized use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I reported two unauthorized subscription charges from the merchant " XXXX '' for {$320.00} ( XXXX ) and {$320.00} ( XXXX ). XXXX resolved the XXXX claim ( Ref : XXXX ) and issued a credit instantly. For the XXXX claim, the service was disastrous. After multiple transfers, an agent sent me a confirmation email that deliberately omitted the refund amount and failed to mention the credit request entirely, effectively providing an empty claim number to dismiss my case. Only after I spent another hour escalating to a supervisor was the correct amount of {$320.00} finally acknowledged under a new Reference ( XXXX ). However, the supervisor still refused to issue the manual temporary credit, forcing a 30-day wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MA

Complaint narrative:
I received a 1099 form with a XXXX amount of money that they owed me plus an additional fee for making my taxes all screwed up that was a late payment after I already did my taxes not knowing I had anymore and they paid me XXXX days late after the ex expectation date was due

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of information being reported on my consumer credit file pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. I recently obtained a copy of my credit report and noted that the following account ( s ) are being reported : [ Jefferson Capital Systems ] I dispute this account in its entirety. I never provided written authorization, consent, or permissible purpose for this creditor to obtain my consumer report or to furnish information regarding this account to your bureau, as required under 15 U.S.C. 1681b. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure that any information reported is furnished and obtained only for a lawful and permissible purpose, and that the information is accurate, verifiable, and complete. Please provide verification that this account was obtained and reported with a valid permissible purpose and that proper authorization exists. Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this matter. If the furnisher can not provide competent evidence of authorization and permissible purpose, the account must be deleted from my credit file. Additionally, under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy of the information contained in my consumer report. If this account can not be verified as required by law, please delete it immediately and provide written confirmation of the deletion. If you verify the account, please provide copies of any documentation relied upon to establish permissible purpose and authorization. Thank you for your prompt attention to this matter. I expect your response within the time frame required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius Global Solutions is attempting to collect a debt of {$910.00} allegedly related to an XXXX XXXX XXXX account. I do not recognize this account and never authorized or opened an account with XXXX XXXX XXXX that would result in this debt. I have also never received billing statements or documentation showing that this debt belongs to me. Despite this, the account is being reported as a collection on my credit report. I am requesting that the companies provide proper verification of this debt, including proof that I opened or authorized the account and a copy of the original agreement. If the companies can not provide this documentation, the collection account should be immediately removed from my credit reports and the account should be closed.

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 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
We have been applying for a loan modification for years. TD Bank approves it, then will send a letter saying we missed paperwork or the deadline, and have us start all over again. They will not accept payment. The latest was that we need to send pay stubs. They said they didn't get them, although we emailed and faxed them from the branch. We just want to keep our home. Modify and begin repayment. TD is making it difficult, and they will not provide direct contact with the loss mitigation department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: TX

Complaint narrative:
Sent dispute letters to remove unknown debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am disputing the accuracy of an account being reported on my credit report. I have not received documentation validating the balance, payment history, or proof that the reporting entity has the legal right to report this debt. Under the Fair Credit Reporting Act, I am requesting verification of this account. If the account can not be properly validated, I request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: AR

Complaint narrative:
Dear XXXX XXXX, I am writing to formally request that my dispute be reopened regarding the unauthorized transactions on my account totaling {$2300.00}. On XX/XX/year>, my phone and debit card were taken by my ex-boyfriend during a domestic argument. Unfortunately, he knew my phone passcodes and had access to my financial apps and personal information. Because of this, he was able to access my accounts and make transactions without my authorization. During that time, I did not have control of my phone or accounts. I had to replace my phone and secure my accounts afterward once I was able to regain access. The funds that were taken included my tax refund, which I depend on for essential living expenses and to secure a new place to live. I want to make it very clear that I did not authorize these transactions or give anyone permission to use my card or accounts. The transactions were made while my phone and financial information were in someone elses possession. I respectfully request that this case be reinvestigated, and that you review any available device information, IP addresses, or merchant records related to these transactions. I am also willing to provide a police report or any additional documentation needed to support my claim. Thank you for your time and consideration. I appreciate your assistance in resolving this matter as soon as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
I am filing a complaint regarding my mortgage escrow account and an escrow shortage identified by my loan servicer, Planet Home Lending. According to the escrow analysis performed effective XX/XX/year>, I was informed that I had XXXX days ( until XX/XX/year> ) to make payments toward the escrow shortage before a new escrow analysis would be required. Since receiving that notice, I have made payments toward the escrow shortage, including a payment of {$1000.00} in addition to my regular monthly mortgage payments. I contacted Planet Home Lending to notify them that I had made payments toward the shortage and requested that my escrow account be adjusted accordingly. However, I have not received confirmation that my escrow shortage has been updated to reflect these payments. I have also requested clarification regarding : The remaining escrow shortage balance My updated monthly mortgage payment Whether my XXXX mortgage payment included funds applied toward escrow Confirmation of the final date in XXXX that payments can be applied toward the shortage I am requesting that Planet Home Lending : Review my escrow account and apply the payments I have made toward the escrow shortage. Provide an updated escrow analysis showing the remaining shortage ( if any ). Confirm my correct monthly mortgage payment moving forward. I am concerned that my payments may not have been properly applied or that the escrow shortage has not been updated accordingly. I would appreciate a prompt review and correction of my escrow account and monthly mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Zip Co US Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against Zip ( formerly Quadpay ) for repeated unauthorized withdrawals totaling {$400.00} after I explicitly revoked my authorization for automatic payments. Zip confirmed in writing that my account was on a payment hold and that my authorization for automatic withdrawals was revoked. Despite this, Zip has processed seven unauthorized transactions : Order # XXXX : {$17.00} ( XX/XX/year> ) Order # XXXX : {$81.00} ( XX/XX/year> ) Order # XXXX : {$82.00} ( XX/XX/year> ) Order # XXXX : {$45.00} ( XX/XX/year> ) Order # XXXX : {$71.00} ( XX/XX/year> ) Order # XXXX : {$51.00} ( XX/XX/year> ) Order # XXXX : {$58.00} ( XX/XX/year> ) On XX/XX/year>, Zip sent two emails acknowledging that a 'freeze ' was not properly applied and apologizing for the error. However, they continue to withdraw funds and claim they ' can not reverse ' the charges. The reason that I needed help in the first place was due to a hospitalization and being off work and still off work for a few weeks to recover. A few months ago. I was again having some medical issues and needed some grace with my payments and the same thing happened ( unauthorized charges ) but when I called, the man I spoke to reversed the charges right away for me without hesitation. Under the Electronic Fund Transfer Act ( Regulation E ), these are unauthorized transfers as authorization was revoked. I am seeking an immediate refund of {$400.00}, and any overdraft charges that may have occured because of this. I look forward to hearing from you. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am formally disputing the ownership of this account. I do not recognize this debt and have never received proper notice or validation from the reporting collection agency before it was placed on my credit report. Because I have not been provided documentation proving that I am legally responsible for this account, I request that this account be fully investigated and verified. Please require the furnisher of this information to provide documentation supporting the validity of the account, including the original signed agreement, full account history, and documentation showing the legal assignment of the debt. If the account can not be properly verified, it must be removed from my credit report under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation