vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am filing this complaint because Synchrony Bank is reporting and attempting to collect on a fraudulent Sams Club Personal Credit account ending in XXXX and CareCredit account ending in XXXX. I submitted a fraud claim, but Synchrony denied it with form-letter explanations that are not based on any real proof. Their letters state : The account has been open for more than 12 months with statements sent to you. 

Payments have been made by you on this account. 

The purchased item ( s ) were shipped to your address. 

These statements are false and misleading. I did not open this account, I did not authorize it, and I did not benefit from it. Synchrony has refused to produce any documentary evidence that I am responsible for this debt, such as : the original signed application or agreement ; the complete chain of assignment or ownership of the account ; itemized billing and payment history tied to my signature or authorization. 

Instead of investigating my claim, Synchrony dismissed it based on assumptions about mailings, alleged payments, and shipments none of which prove I owe this account.

Violations of Law Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e & ( 2 ) ( A ) false, deceptive, or misleading representations by implying I owe this debt without proof. 

15 U.S.C. 1692f ( 1 ) attempting to collect amounts not expressly authorized by contract or law.

15 U.S.C. 1692g ( b ) continuing collection without providing required validation.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) duty to furnish accurate information. 

15 U.S.C. 1681s-2 ( b ) duty to reasonably investigate once a dispute is filed. Synchronys denial letters show no investigation was performed, only reliance on internal assumptions. Courts ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) have ruled this inadequate. 

Georgia Fair Business Practices Act ( FBPA ) O.C.G.A. 10-1-393 unfair and deceptive acts. Denying a fraud claim without evidence and continuing to report a fraudulent account constitutes deceptive practice. 

Uniform Commercial Code ( UCC ) Articles 3 & 9 No proof of assignment, ownership, or right to enforce has been provided. 

Evidence I am attaching copies of Synchronys denial letters ( dated XX/XX/XXXX and XX/XX/XXXX ) that show their refusal to approve my fraud claim and their misleading statements.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with all these companies, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. 

After speaking with several of these company customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights. 

Several of these companies are tarnishing my name and credit profile by reporting these accounts late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: AZ

Complaint narrative:
You deposited XXXX ( XXXX ) tokens into your Kraken account, but you accidentally sent them on the native XXXX network instead of the XXXX network ( which is the only one Kraken supports for XXXX deposits ). The transaction was confirmed successfully on the blockchain, meaning the tokens are technically at Krakens wallet address but because they arrived on the unsupported chain, they arent credited to your account. 

Now the problem is that Kraken is refusing to assist in recovering those funds. They claim they do not support manual recovery of deposits sent via the wrong network, even though the tokens are in their custody. As a result, your money is locked and inaccessible to you. 

This leaves you in a bind : You did everything correctly in terms of sending to the right address, but you used the wrong network. 
The funds are provably there ( you have the TXID and blockchain records ). 
Kraken has full control of the wallet, meaning they could recover them technically, but they are declining to do so as a matter of policy. 

So essentially, you have {$17000.00} of your assets sitting inside Krakens wallet, but they are refusing to give you access, leaving you unable to trade, withdraw, or recover them. 

The money can easily be access with the private keys that only the exchange has access to

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates is illegally reporting a XXXX XXXX account as a collection/charge off on my credit reports. This account was never authorized to be sold, transferred, or reported in this manner. At no point did I provide any written consent or wet signature allowing my personal information, contract, or financial responsibility to be transferred to Portfolio Recovery. They have failed to provide me with a complete chain of custody, proof of assignment, or any legally binding agreement that shows I entered into a contract directly with them. 

XXXX  is reporting this account as meets FCRA requirements while XXXX  reports dispute resolved consumer disagrees. These conflicting outcomes alone prove that the information is unreliable, inaccurate, and unverifiable. The bureaus can not all have different results if the account were truly valid. That is a clear violation of the Fair Credit Reporting Act ( FCRA ) 602, 607, and 609, which require maximum possible accuracy and proper investigation of disputed accounts. 

The balance of {$430.00} is being reported as a charge off and collection, which is misleading and creates double harm to my creditworthiness. A charge off means the creditor declared it uncollectible, so it can not legally remain reported as an active collection. This practice is deceptive and designed to harm my credit score without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed some accounts that were inaccurate. They are hindering me from obtaining credit please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed some accounts that were inaccurate. They are hindering me from obtaining credit please remove them.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: UT

Complaint narrative:
I deposited money to checking and they automatically transferred to a credit builder which was in the negative. 

I did not authorize this and it was the majority of the money I deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
On XX/XX/XXXX I received notification of a charge off on my credit report when I called the company on file I was told that it was me and there was nothing i can do but pay it I then asked how i could dispute the it I filed a police report and sent the a copy of it as and all the documents that would prove it wasn't me and I called twice to make to make sure they received and was met with disrespect and questions why I refuse to pay I also contacted the original holder of the debt and sent them the same information and was told there was nothing they can do about it just pay it because the amount was small my

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
They locked my account while I was in the middle of trying to pay my rent my bills! I need access to it now and I want them to back off my account unless I request help or so. They have no right to prevent me by sending money to who ever.

Also my account got suspended for too long and I have not done anything wrong. They need to back off my account and my access to my account must be unlocked now please and I need my card back in use.

Truly no reasons to do all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX 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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Consumer Complaint : Synchrony Credit Card Deferred Interest Trap In XX/XX/XXXX, I opened a Synchrony credit card to finance my XXXX  XXXX after being offered a promotion of no interest for 24 months. At the time, I was told that : No interest would apply during the promotional period. 

I would receive a heads-up notice before the promotion expired. 

Setting up automatic payments would keep my account in good standing. 

Based on that, I set up autopay ( as recommended ) and made consistent payments for nearly two years, believing I was protected.

However, when I reviewed my account in XX/XX/XXXX, I discovered the following : On XX/XX/XXXX, Synchrony posted {$1100.00} in accrued interest. 

On XX/XX/XXXX, the day my promotion expired, they added {$2400.00} in deferred interest charges. 

After XX/XX/XXXX, additional monthly interest charges continued to appear on my statements, even though I was still making payments. 

Here is the record of my balances and statements : XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XXXX XXXX, XXXX {$2300.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} ( deferred interest applied ) XX/XX/XXXX {$1100.00} ( interest charge posted ) Despite continuous payments, my balance did not go down it increased every month due to back interest and new interest charges. Synchrony claims statements were sent, but no warning was ever provided about the deferred interest expiration, even though I was promised advance notice. 

To make matters worse, the promotion expired specifically on the XXXX of the month, which feels like an intentional setup to catch consumers off guard between billing cycles. Combined with their recommendation to use autopay ( set by default to minimum payments ), this seems designed to ensure most customers fall into the trap. 

My request : I am asking Synchrony to refund the deferred interest charges ( {$1100.00} + {$2400.00} + the ongoing accrued monthly interest shown above ). I entered this financing in good faith and was misled by their advertising and failure to provide a clear notice. 

I am a XXXX XXXX XXXX  and live on a modest income. These surprise charges have been devastating financially, and I believe this practice is intentionally deceptive.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: CA

Complaint narrative:
New CFPB complaint to previously unresolved case For historical reference, our prior CFPB Complaint ID was XXXX. 

On XX/XX/year>, XXXX XXXX XXXX deposited a check in the amount of {$4300.00} into our Relay Bank account. The next day, Relay requested our XXXX and supporting documents, which we promptly provided. Despite multiple follow-ups, Relay failed to release the funds or provide any legitimate explanation.

After filing our initial complaint, Relay Financial sent us an account closure notice on XX/XX/year>, citing vague compliance concerns. They never alleged fraud, never stated that our documents were insufficient, and never provided a specific compliance violation. Instead, they claimed the funds would remain frozen pending an investigation process that could take up to 45 days. 

As of today, the problem with Relay Financial has still not been resolved. Our account remains locked with a balance of {$5400.00}, and Relay has not provided a clear explanation or timeline for the release of our funds. These funds are urgently needed to pay existing business debt obligations, including credit card payments. The freeze has created severe financial hardship and is directly impacting our ability to operate. 

We urgently request that the CFPB intervene to require Relay Financial to release our funds without further delay or provide a legitimate regulatory justification for continuing to hold them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding an unauthorized loan issued by Affirm for a XXXX  XXXX purchase under my name. I never applied for or approved any purchase from XXXX XXXX nor did I apply for a Buy Now, Pay Later ( BNPL ) loan through Affirm. 

Upon contacting Affirm, I was provided the following details : XXXX XXXX  Order ID : XXXX Affirm Loan ID : XXXX Loan Amount : {$1200.00} Affirm informed me that this loan was issued using my personal information, including my name, date of birth, and residential address. However, the phone number on file with Affirm did not match mine. I made it clear that I did not authorize this loan or transaction. 

I requested Affirm to immediately investigate and freeze this loan. Affirm opened a dispute under Case # XXXX on XX/XX/year>, and I was advised the investigation could take up to 30 days. 

During this process, I discovered that the Affirm loan had been reported on my XXXX  credit report. I immediately filed a dispute with Affirm, and the record was successfully removed from my XXXX  report on XX/XX/year>. 

I am filing this complaint with your agency because my personal information and identity may have been used without my knowledge in other instances as well, potentially impacting my credit reports at other credit bureaus. 

I respectfully request that your office investigate this matter further and advise me on any additional steps I should take to protect myself from further unauthorized use of my personal and financial information. 

Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I dispute these unauthorized credit inquiries under the FCRA. Please investigate and delete them from my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
On XX/XX/2025, I paid in full the auto loan secured by a lien held by Driveway Finance Corporation on my vehicle.

They have sent me a letter showing my transaction history, which is insufficient to prove lien discharge. They have stated by telephone that they hold onto payment for a minimum of 14 days before sending the discharge statement, which is in excess of the 10 days maximum as mandated in Texas. 

Under Texas Transportation Code 501.115, a lienholder must release the lien and deliver the discharge to the owner or the Texas Department of Motor Vehicles no later than the 10th day after payoff. The Texas Finance Code also requires prompt release once an obligation has been satisfied. 
Despite this, Driveway Finance has stated that they will not provide the lien release within this timeline, leaving me unable to obtain clear title.

I request the CFPB investigate and take appropriate action to enforce compliance. Proof of final payment is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My then-wife, XXXX, XXXX my and my XXXX  identities and money while I was incarcerated ( XXXX ). In XXXX, before filing for divorce, she stole ~ {$85000.00} from my mothers Interactive Brokers Account ( almost all of her life savings ) by transferring it to my Bank of America Account, along with over {$10000.00} from my XXXX Account, and then transferring over {$100000.00} to her XXXX XXXX  Account. She lost almost all of it in scam investments, along with an additional XXXX from an unknown source ( probably from a charity with the help of the DAs Office ). 

I was the authorized user on my XXXX Account as the family financial advisor. She is XXXX  ( XXXX ), illiterate, and a resident of XXXX. I dont know how XXXX accessed her account. She was not authorized in any way. She had my belongings, including my computer. 

She sent me to prison to steal my money and kill me there. 

The XXXX XXXX, XXXX XXXX, and the divorce court refused to investigate or hear. 

Interactive Brokers and Bank of America refused to reimburse. I didn't file a complaint with 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