vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Was making automatic on-time payments to my Lowes credit card with Synchrony Bank . When reviewing my account activity, I noticed that there were multiple interest charges. I contacted Synchrony customer service over chat. When discussing the charges, the service representative mentioned a " regular balance '' which needs to be paid off to avoid interest. The total for the regular ( non-promotional ) balance was ~ {$1700.00} -- this number was not readily visible anywhere on my online Synchrony account. When I went into my promotions, a 0 % APR was applied only to a portion of my purchase. 

I was doing a kitchen remodel with Lowes and was told the Lowes credit card has 0 % APR for XXXX months and a discount on the purchase, so I signed up. However, it wasn't until I noticed the Synchrony interest charges that I discovered that the Lowes promotion only applied to a specific portion of my purchase ( XXXX  ) but did not apply to the purchase of my countertops or dishwasher, since they were charged as separate purchases. Those charges were thus incurring XXXX  % + APR every month on my Synchrony account. Despite setting up autopayment on my account and making the payments in full each billing cycle, I was getting hit with ~ {$45.00} interest charges every month, which ultimately amounted to a few XXXX dollars. 

When talking with the Synchrony customer service agent, I asked how much I needed to pay now to avoid any future interest charges, which was the {$1700.00} number. I made a payment of {$1800.00} while I was online with the agent. I was informed that interest charges would continue for at least the next XXXX billing cycles. I asked why, when making payments, I am not given the option to choose my allocation. If so, I would have paid off the " non-promotional '' balances first to avoid those interest charges and then continued to make timely automatic payments on the 0 % APR balance.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: OK

Complaint narrative:
This company has refused to validate the debt, show me a bill of sale that has been notarized, and they have called XXXX times within XXXX weeks. I have contacted them via their website and they have not verified the debt. I have told them that I do not wish to speak over the phone about this and they have not verified any information.

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 2026-01-30 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:
on XX/XX/XXXX, i attempted to deposit {$9300.00} in cash at a bank of america machine atm ( atm id : XXXX ). the atm only credited {$300.00} to my account and retained the remaining {$9000.00} in the machine. i immediately contacted bank of america and opened a case ( case number XXXX ). it has now been over 10 days, and the missing {$9000.00} has not been credited. 
this was a partial cash deposit error caused by an atm malfunction. i am requesting that bank of america complete the atm investigation promptly and credit the remaining {$9000.00} to 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 monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
HSA bank apparently switched major card carriers from XXXX  to XXXX. I never received the mastercard. My card declined at stores i caked and finally figured out the issue. He let me know he would issue a new card. I received the card. Called to correct an issue with my card not working, found it they never closed down the other card. That is gross negligence on their part. They wouldn't admit fault for that. If I report a card missing it should be canceled. Asked to speak with management and put on hold for 15 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
Whom It May Concern, I am formally disputing the account reported under Radius Global Solutions LLC with an alleged balance of {$1400.00}. I am requesting full validation of this debt pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1681b ( FCRA Section 604 ), you must have a permissible purpose to report this account. Under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy of all information reported. Additionally, under 15 U.S.C. 1681i ( FCRA Section 611 ), I am exercising my right to dispute the accuracy and completeness of this account.

Furthermore, under 15 U.S.C. 1692g ( FDCPA Section 809 ), I am requesting validation of this alleged debt. Please provide the following : A copy of the original signed contract or agreement with the original creditor A complete payment history and itemized accounting of the alleged balance Documentation proving your legal authorization to collect this debt Proof that this debt was legally assigned or transferred to your company Verification that the account information has been accurately reported to all credit bureaus If you can not provide proper documentation verifying this debt, you must immediately remove this account from all credit reporting agencies in accordance with federal law.

Additionally, during this investigation, you must cease all collection activities and reporting until validation is provided.

Failure to comply with these federal statutes will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana State Attorney General.

Please respond within the timeframe required by law.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it.

Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I switched from XXXX XXXX to XXXX on XX/XX/XXXX, spoke with XXXX XXXX  that same day and was told I had a {$0.00} balance. Credence Resource Management then started reporting {$160.00} to my credit on XX/XX/XXXX, I disputed the collection from this company on XX/XX/XXXX and the collection was removed from my credit file that same day. Credence Resource Management then reported the same collection AGAIN on my credit file on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX XXXX XXXX also reported the same collection to my credit file. I don't see how this is legal, when I was told by XXXX XXXX that I had a {$0.00} balance and was paid through XX/XX/XXXX, Credence Resource mgmt has reported the same {$160.00} collection twice now despite the collection being removed from my credit file, and now a second company XXXX XXXX XXXX is reporting the same {$160.00} collection. This has severely damaged my credit and I never received a debt validation notice from either company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am requesting you immediately cease and desist all communication with me regarding the alleged debt you claim I owe.

I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). Effective immediately, you are to stop contacting me by phone, text message, email, mail, or any other method. Your repeated emails and text messages are excessive and unwanted.

You are permitted only to contact me for one of the following reasons, as allowed by law : 1. To confirm that you will cease all further communication with me, or 2. To notify me of specific legal action you intend to take.

Any further contact from your company outside of the exceptions listed above will be documented and included in my complaint to the Consumer Financial Protection Bureau and the Office of the Attorney General.

This request is not an acknowledgment of the debt, nor is it an agreement to pay. It is a request to stop all communications.

Please govern yourselves accordingly. 

Sincerely, 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 2026-01-30 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
XXXX  XXXX received {$1000.00} from XXXX XXXX  as balance transfer payment on XX/XX/year> and failed to apply the payment to my account. They requested documentation to prove the payment by XXXX was sent, they received the documentation they requested, and still verve refuses to apply the payment or correct credit reporting. This is a misapplication of payment and inaccurate reporting under the Fair Credit Billing Act and Fair Credit Reporting Act

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 2026-01-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: IL

Complaint narrative:
On XX/XX/year>, I received a written notice from KeyBank Prepaid Card Services stating that a $ XXXX  monthly inactivity fee would begin on or after XX/XX/year>, for a prepaid government benefit card. 

This prepaid card was issued in connection with COVID-era government benefits. I did not receive the physical card at the time of issuance and have never used or activated the card. I do not have access credentials, the card is expired, and I am not aware of any remaining balance. 

After receiving the notice, I made numerous attempts to contact KeyBank to confirm the account status and close the account before fees begin. I spent hours on hold on multiple occasions calling the customer service number listed on the letter, without reaching an agent. 

I also contacted a local KeyBank branch to try to resolve the issue in person. Branch staff stated they could not locate or assist with prepaid card accounts and advised me to call customer support. I was then directed back to the same prepaid card phone number listed on the letter. When I reached a representative through another customer support line, I was told they could not assist because they did not have access to prepaid card account information and again advised me to call the prepaid card number, where no agent answered.

Despite repeated good-faith efforts, I have been unable to reach anyone authorized to provide account information or close the prepaid card account. I am concerned that inactivity fees will be assessed on an account that was never activated or used and that I have no reasonable way to access or close.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 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: TX

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2026-01-30 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: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally report what I believe to be unfair, deceptive, and potentially unlawful practices by midland credit XXXX XXXX bank regarding my account XXXX Despite repeated attempts to resolve this matter directly, midland credit XXXX XXXX XXXX  failed to correct the issue or provide a satisfactory explanation. Their conduct demonstrates a clear disregard for consumer protection obligations and has caused me unnecessary financial harm, stress, and wasted time. 
Specifically, inaccurate billing, unauthorized charges, failure to honor written agreements, improper credit reporting, refusal to correct errors, etc.. These actions appear to violate the Consumer Financial Protection Act and may also implicate other applicable federal and state consumer protection laws. 
What is most troubling is that midland credit XXXX XXXX XXXX  been fully aware of this issue since XX/XX/year> and has either ignored my communications or provided misleading, contradictory, or boilerplate responses. This pattern suggests systemic compliance failures rather than an isolated error. 
I am requesting that the CFPB : Require midland credit XXXX XXXX XXXX  to immediately correct this issue ; Ensure that any inaccurate information is fully reversed or removed ; Confirm that no negative credit reporting or additional fees result from their misconduct ; and Investigate whether midland credit XXXX XXXX XXXX  is engaging in similar practices with other consumers. 
I expect a written response addressing this complaint in full, not a generic or dismissive reply. If this matter is not resolved promptly and completely, I am prepared to pursue additional remedies available to me under the law. 
Thank you for your attention to this matter. I trust the CFPB will take this complaint seriously and hold midland credit XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

The details of the fraudulent account are as follows : Creditor Name : JEFFERSON CAPITAL LLC Account Number : XXXX Date Opened : XXXX  XX/XX/year> Amount : {$700.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary.

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB Complaint Text ( XXXX ) Product : Checking account / Check fraud Issue : Fraudulent checks cashed by third party bank failed to reimburse full amount What happened? ( Main Complaint Narrative ) > I am filing this complaint regarding Chase Banks failure to fully reimburse me for a fraudulently cashed check, despite timely reporting and partial reimbursement of related checks. 
XXXX XXXX In XX/XX/year>, I mailed three checks to my landlord as rent payment. The checks were in the amounts of XXXX XXXX  {$8200.00XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX, and XXXX XXXX  {$1000.00} XXXX XXXX payable only to my landlord. 
> > My landlord never received any of these checks. Instead, all three checks were fraudulently intercepted and cashed by an unknown third party who was not the named payee. 
> > I promptly reported the fraud to Chase Bank as soon as I became aware of the issue. Chase acknowledged the fraud claim and opened an investigation.

> > Chase subsequently reimbursed me for the {$5000.00} and {$1000.00} checks * *, confirming that the endorsements were fraudulent. However, the * * {$8200.00} check has never been reimbursed, and Chase has failed to provide a final written determination or legal justification for denying reimbursement.

> > It has now been * * over eight months * *, and despite multiple follow-ups, Chase has not resolved this claim, nor has it explained why this check is being treated differently from the other two checks that were reimbursed.

> > This check was negotiated with a * * forged endorsement * *, and under UCC and federal banking regulations, the loss should not be borne by the account holder when the payee never received the funds and the fraud was timely reported.

> > Chases prolonged inaction and lack of written explanation has caused financial harm and is inconsistent with fair banking practices. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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