vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
CFPB Follow-Up Continued Dispute and System Access Failure I am submitting this follow-up regarding my complaint involving my PayPal Credit account serviced by Synchrony Bank. While Synchrony Bank provided a response and a transaction summary, the core issue remains unresolved. The issue is not simply the existence of a balance, but my inability to access or manage the account through any available platform. After receiving their response, I attempted to access the account directly through Synchrony Banks website using the account number provided on my statement. The system returned the following message : This account is not supported on this platform Please utilize your existing login channel. At the same time : My PayPal account continues to display a {$0.00} balance The PayPal Credit account is not visible or accessible within PayPal I am unable to view statements, transactions, or make payments through either PayPal or Synchrony Bank This creates a situation where I have no reasonable means to access or manage the account, despite Synchrony Bank attempting to collect on the balance. This is not simply a billing disputeit is a failure of account access across both systems. Because I can not access the account : I am unable to verify the balance I am unable to confirm the accuracy of the transaction history I am unable to responsibly manage or make payments through the intended platform Despite this, collection activity has continued. I am requesting the following resolution : Immediate restoration of full access to the account through at least one functional platform Suspension of all collection activity until access is restored and the account can be properly reviewed Verification of the balance through a complete and detailed account ledger Correction or removal of the balance if it can not be fully verified Confirmation that the account is reported as disputed to all credit reporting agencies I am providing screenshots showing that Synchrony Banks system does not support access to the account and that PayPal does not display the account. This situation has prevented me from accessing, verifying, and managing the account, and it must be resolved before any collection activity continues. Thank you.

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 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Formal Complaint Systematic Failure to Resolve Dispute ( Case XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I am filing this complaint against Synchrony Bank XXXX XXXX XXXX XXXX ) for failing to investigate a billing error under the Fair Credit Billing Act ( XXXX ). I have exhausted all internal remedies, including an initial dispute ( Case XXXX XXXXXXXX ) and a formal appeal ( XXXX XXXXXXXX ), both of which were denied despite overwhelming evidence. 1. Product Defect & Admission : I purchased 3 electric bikes ( XXXX XXXX XXXXXXXX ). Range tests of all 3 units confirmed a maximum of 20-22 miles, which is a 33 % to 60 % deficiency compared to the advertised 30-50 miles. The merchant admitted the defect by offering a {$700.00} partial refund to keep the items. 2. Return Policy Violation : This is a 240 lb freight shipment. Per Amazons " Returns Policy for Heavy and Bulky Items, '' the seller MUST arrange carrier pickup for defective items over 70 lbs. 3. Explicit Refusal : On XX/XX/XXXX, the merchant explicitly stated in writing : " We sincerely apologize that we do not have door-to-door pickup service available. '' 4. Bank 's Failure : Synchrony Bank denied both my initial claim and my appeal. In their letter dated XX/XX/2026, they simply told me to " return the merchandise, '' completely ignoring the merchant 's written refusal to provide the legally required pickup. It is physically impossible for a consumer to transport 240 lbs of freight to a drop-off point.

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX, regarding illegal debt collection practices resulting in {$5200.00} in payments made under duress. I received the following voicemail from ( XXXX ) XXXX to call XXXX, case number ( removed for publication ) : " This is an important call from the processing service agency assigned to locate you in regards to the delivery of legal documents for ( my maiden name ). We have had several failed attempts to contact you at ( my address ). Your case has been red flagged and escalated into my department. Report to the office immediately at XXXX reference case number ( removed for public info use ). Failing to communicate with the issuing party will result in vital information about your case to be missed and proceedings to take place without your knowledge. Thank you and consider yourself notified. '' Notably, this voicemail used my maiden name rather than my current legal name, suggesting the debt data purchased was very old and potentially inaccurate. When I called back I was told the debt was acquired by JPMorgan Chase, ( account number ) which I do not recognize. The debt does not appear on my credit report and based on its approximate origin date of XXXX, is well beyond California 's 4-year statute of limitations. The collector threatened a vehicle lien and imminent legal action without any court judgment having been obtained. I was never provided a written debt validation notice prior to being pressured to pay. I paid {$5200.00} on XX/XX/XXXX via credit card under these illegal threats. FDCPA violations I believe occurred : - Impersonating a legal process server - Threatening legal action on a time-barred debt - Threatening a vehicle lien without a court judgment - Failure to provide written debt validation notice - False and deceptive collection tactics I have retained the voicemail recording and hold a signed Release of Liability letter dated XX/XX/XXXX. I have also filed a complaint with the FTC. I am requesting investigation of XXXX XXXX XXXX and assistance recovering {$5200.00} paid under illegal collection pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
Almost a year ago I was made aware of this particular loan. I believe it was for XXXX or a little more dollars with a payback of around XXXX {$7000.00} which we all know is a payday loan which I never took out. I never received any funds and this is not only my first payday loan that was taken out of my name but there was also another. I believe the companys name is XXXX XXXX XXXX The Other is with a company is called XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They Failed to provide me with Full GAAP Acountings -- Failure to provide full Generally Accepted Accounting Principles ( GAAP ) compliant financial statements can have serious consequences, particularly for public companies or those seeking investment. GAAP ensures uniformity and accuracy, and departing from these standards without disclosure can be considered accounting malpractice. INTENT TO SUE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have had XXXX $ in my closed PayPal account for around 6 years now. They said they would give it back after 180 days. Its been 6 years, and they wont let me withdraw. They constantly say theyre going to escalate the issue and tell me to wait for an email. Its been six years of waiting for this email while calling them every single year. Its not even a full {$2000.00}. But its my money. And it was promised to me six years ago. Paypal is doing absolutely nothing to get me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I spoke with XXXX XXXX, a customer service manager at Bank of America. In our call, she made several misleading statements. It includes providing incorrect numbers to the credit bureaus ( one of which was to a heart pacer company ). The numbers given to me for XXXX and XXXX were : XXXX and XXXX. I believe this was intentional and an attempt to retaliate for submitting a complaint. On XX/XX/year>, I also spoke with XXXX XXXX, who is on the XXXX XXXX XXXX XXXX Bank of America XXXX She intentionally gave me a 5-digit extension when 6 is required to get on the line with someone. It is impossible to reach someone to get clarification.

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 monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding an unauthorized hard inquiry on my credit report. I was explicitly informed by XXXX XXXX that the application process for their credit card would not result in a hard credit check or impact my credit score. Based on this professional assurance, I proceeded with the inquiry. However, Synchrony Bank subsequently performed a hard pull on my credit report, which contradicts the terms presented to me at the time of the application. When I contacted Synchrony Bank to resolve this discrepancy, they confirmed the hard inquiry was performed despite the prior claims that it would not be. This constitutes a misleading trade practice, as I would not have authorized the check had the true credit impact been disclosed. I am requesting that Synchrony Bank contact the credit bureaus ( XXXX XXXX XXXX XXXX ) to have this hard inquiry removed from my credit profile immediately, as it was obtained under false pretenses. ALSO I HAVE A PHONE CALL RECORDING WITH XXXX XXXX REGARDING THIS BUT YOU GUYS WONT LET ME UPLOAD THE FILE. ALSO I CAN NOT UPLOAD MY AUDIO RECORDING OF SYNCHRONY BANK STATING THEY DONT HAVE AN EMAIL ADDRESS AS WELL AS KEEPING ME ON HOLD JUST SO NOBODY CAN ANSWER.

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 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am writing to report a fraudulent bank account application submitted in my name without my authorization. On XX/XX/year>, I received a notification confirming an application for a U.S. Bank Smartly Savings account ( Application ID : XXXX ). I did not initiate or authorize this application. I contacted U.S. Bank immediately and spent over 40 minutes on multiple calls with different representatives. Unfortunately, no one was able to provide assistance or take appropriate action to resolve the issue. The lack of support and clarity is extremely concerning given the seriousness of identity theft and fraud. I am requesting a formal investigation into this matter. Specifically, I would like : Confirmation that the fraudulent application has been canceled Assurance that no account was opened or financial activity initiated An investigation into how my personal information was used Steps taken to prevent further unauthorized use of my identity This situation involves potential identity theft and requires immediate attention. I appreciate your prompt assistance in resolving this matter.

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 2026-03-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding a fraudulent watch purchase and deceptive loan practices. The seller misrepresented the item, and an appraisal confirmed that the watch did not match the description provided via text message. Despite evidence of fraud, the finance company ignored my evidence, lied during phone calls, and failed to conduct a proper investigation. They repeatedly contacted me despite my cease-and-desist request, and their internal system never flagged my account as being in dispute. After I asked for written communication only, one representative continued to harass me for payment, and another, named XXXX, also ignored my dispute. Ultimately, their failure to respond within 15 business days, their reliance on false reasons for no contact, and continued automated collection attempts after my formal dispute, all violate consumer protection laws. I request a full investigation, transcripts of all calls, and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
A while back, I had a phone stolen. It was a XXXX account. I worked with XXXX to get the debit of the phone discharged. The final bill was {$6.00}, which I paid. SEQUIUM ASSET SOLUTIONS , LLC is trying to collect {$670.00} on this account. It's not valid, and they have not given me any proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I verbally had a discussion with the company LVNV funding to send me my payment history, original creditor when they paid for my debt and was signed to the debt, the chain of custody in debt validation, my signature on the debt, and if they had the Legal right to claim this debt. After not receiving the proper information, I sent the company a certified letter asking for them to show the correct information the company was claiming that the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I was sent a notice at an address that I did NOT GIVE TO THE COMPANY AS A WAY TO CONTACT ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: AZ

Complaint narrative:
XX/XX/year> our loan was bought by Selene Finance. We were going though some medical issues at the time and reached out to them for assistance. This took 5 months to complete. At that point they updated our payments and we were ready to start making them again. Our next billing cycle our payment jumped up about {$300.00}. After a month and several calls I was told that my insurance had gone up and that caused it. I checked with my insurance broker and swapped insurance companies to lower the rate. The first insurance company sent me a check, per Selene 's guidance I was to pay the new company with it and I could either put the remainder in the escrow account or use the remainder to pay the higher payment for the next year. They stated that putting in the account would not lower my payment being they only update the escrow once a year. So I kept the extra being I could not afford the new payment. In XXXX I received my bill for XXXX and the payment doubled. I called and they could not tell me why but said that it looked like they tried to update my escrow and may be estimating paying both insurance companies. After several calls and letters I got the insurance worked out mid XXXX. Then after several calls I got them to update the escrow in XXXX and it still had me at a {$500.00} increase a month. I told them this was wrong and that I could not afford that and did not understand why this was the new payment. They finally said there was still a shortage and that it was being spread over a 4 month period. They told me to submit a letter and that it would take 3 days to be scanned into my account and an additional 5 days to be processed. They told me to request that it be spread over 60 months. I did not agree with the shortage but I needed to get caught up. XXXX weeks later I spoke with a supervisor, note this was my XXXX request to speak to a supervisor and the first to call me back, and he stated that he could put in the requests. XXXX days later he called me back and the payment was updated. I called in today to make the XXXX, XXXX, and XXXX payment and they had extra fees on my account and told me that I needed to also make XXXXXXXX XXXX to avoid foreclosure. I did not understand this being that it was there issue that I could not make the payment and as of today the account was up to date. I requested to have another supervisor to call me back and was told now that the payment was made that I do not qualify for a supervisor call back. I do not understand how they can still try and take my house when I am current.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
portfolio recovery associates keeps calling me and leaving no information. I have nothing in collections, it seems like they are looking for a XXXX. Yet they can not do a basic number look up or leave a message with the XXXX assistant. Made a complaint with the FTC for solicited phone calls. They keep rotating numbers to attempt to get past XXXX Anti Spam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting an update to my complaint based on Capital Ones most recent response. In their latest written response, Capital One stated that the remaining {$220000.00} from my account was moved to their XXXX XXXX and is only scheduled to be sent back to the IRS. This directly contradicts their earlier statements where they claimed the funds had already been returned or accepted by the IRS. The transfer out of my account occurred on XX/XX/year>. As of now, the funds have still not been sent to any receiving party and remain unaccounted for outside of Capital Ones internal system. I have also independently contacted both the Internal Revenue Service and XXXX ( XXXX XXXX XXXX XXXX XXXX ), and both confirmed they have not received any returned funds. This confirms that the funds are still being held by Capital One more than a month after removal from my account, with no confirmed transfer, no timeline, and no proof provided. This delay is unacceptable, especially given that the funds have been held for several months prior to this. I am requesting that Capital One : 1. Immediately complete the transfer of the {$220000.00} 2. Provide the exact date the transfer will be executed 3. Provide official confirmation and trace details once the transfer is completed This matter remains unresolved, and the continued delay is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I transferred funds from my checking account to Chime for the purchase of car parts. After 3 days I then was emailed and told I needed to pay {$400.00} more to have my parts delivered. I realized at this point this was fraud and a scam. I contacted chime immediately on XX/XX/year>. I was told there was nothing they could do since i initiatedthe payments. I was told, I should ask for a refund. I did that. I got laughed at. I have screenshots and emails to prove I was scammed. They even had a website for me to check my tracking information. Im out {$950.00}.

Company response to consumer: Closed with explanation