vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I held XXXX Synchrony Bank owned credit cards, XXXX 's, XXXX, XXXX 's, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 's XXXX XXXX. Each were paid on time, in full even before a statement cycled. I was never over my limit. My XXXX XXXX is XXXX from XXXX and XXXX from XXXX. My total outstanding credit debt is {$260.00}. I currently owe XXXX {$74.00} of my {$260.00} outstanding credit portfolio. I received an email on XX/XX/year> at XXXX AM from synchrony bank for my XXXX XXXX Card asking me to update my income for future credit line increases. I signed in to my XXXX Rewards account through the synchrony app to see that all XXXX of my synchrony bank credit cards were closed the day before. I called their customer service department who couldn't see why other than I was a " credit risk ''? How is that when my accounts were in excellent standing and there are no derogatory remarks on my credit bureau from any lender including synchrony. I am being penalized for no reason and what's worse is they send me an email to update my income the day after they closed my XXXX XXXX??? How does that make sense. They didn't even give the option to lower my limits if they felt I didn't use them that much. Each of these cards were used every few months so that they remained active. This lender solicits me to update my annual income for future credit line increases when you close my account the day before and the only reason I can get from them is that it was considered high credit risk. How could that be a high credit risk when I dont owe them anything nor do I have high balances on other credit cards with other lenders. My credit utilization on my credit bureau report shows as zero. This is complete targeting me because I pay my balances in full each month, mostly before there even due and they're not making interest on me. In addition I feel this is targeting me because my deceased sister had individual credit cards with them and they were charged off based on her estate not having the funds to pay them. I was not a sign on these accounts, and the Attorney handling her estate notified XXXX months ago, informing them that their claim exceeded the statue of limitations within the state of Ohio, where she resided when she passed away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: RI

Complaint narrative:
I am a victim of identity theft. A fraudulent account was opened in my name by Advance America without my knowledge or consent. I have never had any contact with Advance America, never applied for a loan, never received any funds, and never signed any agreement with them. This fraudulent debt of {$490.00} was sold to National Credit Adjusters , LLC ( NCA ), Account # XXXX, which is now reporting it on all three of my credit reports under Account # XXXX. On XX/XX/year>, I filed a prior CFPB complaint against NCA ( Confirmation # XXXX ). Despite that complaint, NCA continued collection activity and produced documents containing a signature that is not mine it appears as an illegible scribble bearing no resemblance to my authentic signature. I never signed any such document. I disputed this account with Experian, TransUnion, and Equifax. All three bureaus responded with a generic verified determination without explaining how they verified the account or how a disputed and potentially forged signature was determined to be valid. I am requesting immediate deletion of this fraudulent account from all three credit bureaus and that NCA and XXXX XXXX cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Opened XXXX {$170.00} XXXX XXXX Opened XXXX {$290.00} XXXX XXXX XXXX Opened XXXX {$1100.00} XXXX XXXX XXXX Opened XXXX {$1600.00} XXXX XXXX XXXX XXXX, Opened XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
PayPal is refusing to let me close my account under the guise of an unresolved limitation, despite my account balance being {$0.00}. Keeping my personal and financial data active against my will is a privacy and security risk. I demand that PayPal manually close this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I was offered a credit card at checkout. I asked about the interest rate. I was told XXXX % and that I can look at the pamphlet in front of the customer next to me as the spot in front of me was empty. As I was getting it I asked him how long is it XXXX % he said forever... sounded very suspicious so when I was able to get the pamphlet the cashier said what I want to look at is the outside cover. The outside cover didn't mention interest rates just rewards. I went into it further and it says XXXX %. I said no its not XXXX % he simply said " I Made a mistake '' I said ok I don't want the card.. I saw the white board directly behind him saying if you get a credit card you get a treat so it seems like the cashiers are told to say that or maybe just told to say whatever to have customers sign up for the card and if the customer falls for it, oh well??? It's misleading and fraud. This was at the XXXX, MA location # XXXX transaction # XXXX reg # XXXX cashier # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On Saturday I made a purchase through XXXX XXXX online and funds were removed but held from my account through PayPal I used my PayPal debit card for the transaction. Today I returned the items that I had purchased because I was in need of funding, and there is a hold on the refund even though it's already been sent through they are also holding another small refund amount on me for a little over {$2.00} through another company XXXX. Other times I am refunded instantly like from XXXX and it's instantly in my account this is the more common practice with PayPal unless it's a larger amount this amount is {$68.00} and it should not be pending. I think it's ridiculous that we have the ability to process refunds instantly yet we do not so that they can make money off of interest. So I am now screwed and can not get gas for my car to go to work tomorrow and can not get food for tonight to eat which is the reasons that I returned the items back to XXXX. XXXX has released the charge. And in fact the charge from XXXX from yesterday when I ordered it is not processed completely through so all they have to do is stop it and they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX Opened XXXX {$650.00} XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$4100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
URGENT SUPPLEMENTAL UPDATE TO ACTIVE CFPB CASE # XXXX I am filing this supplemental complaint because an automated system error at Wells Fargo XXXXs about to cause immediate financial harm to my XXXX XXXX.I have an active fraud claim and an open CFPB case against Wells Fargo . Because of the open CFPB case, Wells Fargo 's regular claims department mistakenly closed my standard claim as a duplicate, but they failed to stop an automated provisional credit reversal scheduled for XX/XX/XXXX. My son receives XXXX XXXX XXXX XXXX ( XXXX ) benefits, which hit this account on XX/XX/XXXX. It is too late to change the direct deposit with the XXXX XXXX XXXX. If Wells Fargo reverses the provisional credit on XX/XX/XXXX, the account will go negative, and the bank 's system will automatically seize my son 's protected XXXX benefits on XX/XX/XXXX to satisfy an internal bank debt. T his will cause an immediate and severe financial hardship, leaving me unable to provide food, shelter, and medical needs for my child. Please instruct the bank to freeze the reversal pending the outcome.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Credit Report Dispute and Request for Investigation To Whom It May Concern : I am formally disputing inaccurate and unverifiable accounts appearing on my Equifax credit report under my rights provided by the Fair Credit Reporting Act. The disputed accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have reason to question the accuracy and completeness of these accounts and request a full reinvestigation. Please provide competent evidence that these accounts belong to me, including : Signed agreements bearing my signature Original creditor documentation Full account validation and payment records Proof of legal authority to collect and report If the accounts can not be properly verified, they must be deleted immediately in accordance with the Fair Credit Reporting Act. Please send me the results of your investigation along with an updated copy of my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I dispute the validity, ownership, and reporting of an alleged account being collected by Midland Credit Management that originated with XXXX XXXX. I previously sent a written dispute and validation request requesting documentation sufficient to establish the alleged obligation and Midlands authority to collect and/or report the account. My request included validation of the amount claimed, complete account-level accounting, contractual basis for any balance, proof of assignment, proof of ownership or servicing authority, and documentation supporting any continued reporting to consumer reporting agencies. To date, Midland has not provided responsive documentation sufficient to resolve the dispute. I requested records identifying the original account, complete itemization of charges and credits, documentation supporting any post-charge-off amounts, and records connecting my specific account to any transfer or assignment. Despite the dispute, collection and/or credit reporting activity appears to continue. I am requesting CFPB review because I believe the company should either provide complete substantiation and explain the basis for continued reporting and collection, or cease collection activity and correct any inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX Opened XXXX {$650.00} XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$4100.00}

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 2026-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir or Madam, I am submitting this complaint regarding force-placed insurance charges added to my mortgage account by Bank of America XXXX In XX/XX/XXXX, prior to closing on my newly constructed home, I proactively purchased homeowners insurance based on the builders estimated closing timeline at that time. However, the builder repeatedly delayed the closing date, and the home did not actually close until early XX/XX/XXXX. Because of the construction and closing delays, the original insurance policy was ultimately cancelled and refunded since the transaction had not yet closed and the premium was not processed through escrow/title as initially expected. Around the time of closing, I received an insurance refund and reasonably believed the refund was related to escrow/title payment reconciliation or duplicate payment adjustments associated with the delayed closing process. I was not aware that there was any lapse in homeowners insurance coverage after closing. Most importantly, Bank of America did not notify me during XXXX that there was any issue with insurance coverage or any alleged lapse. Had I been notified promptly at that time, I would have immediately reinstated or replaced the policy. Instead, I did not receive notice from Bank of America regarding this issue until XX/XX/XXXX, after Bank of America had already retroactively imposed force-placed insurance coverage for a prior period. Bank of America is now charging me {$3100.00} in force-placed insurance premium for coverage that was purchased retroactively for the prior year. I understand the lenders right to protect its collateral interest. However, the delayed notification deprived me of any meaningful opportunity to cure the issue in real time. This situation was not caused by intentional neglect or refusal to maintain insurance, but rather by builder delays, escrow/title timing confusion, and the absence of timely communication from the servicer. I respectfully request that Bank of America : XXXX. Conduct a full review of the force-placed insurance charges and coverage timeline ; XXXX. Provide documentation showing all notices allegedly sent regarding the insurance lapse and force-placed coverage ; XXXX. Reconsider and reduce or waive the {$3100.00} retroactive force-placed insurance premium based on the circumstances and delayed notification ; XXXX Review whether the retroactive coverage period and premium assessed were reasonable and necessary. I am seeking a fair and reasonable resolution based on the facts and timeline of this situation. Regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: MD

Complaint narrative:
I disputed a CarMax Auto Finance tradeline with XXXX because the account is reporting inaccurate and misleading information on my consumer report. XXXX claimed the account was verified within minutes, ( 5min to be exact ) which strongly indicates that no reasonable reinvestigation was actually conducted as required by the Fair Credit Reporting Act ( FCRA ). The account is being reported as charged off while continuing to report ongoing derogatory monthly statuses and inconsistent past-due information. XXXX failed to provide competent documentary evidence supporting the reporting despite my dispute. Additionally, identifying information previously connected to this alleged account had already been removed from my credit file as inaccurate, yet XXXX still continued reporting and verifying the tradeline without conducting a lawful investigation. I believe XXXX violated : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy ; 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation ; 15 U.S.C. 1681g failure to disclose proper verification information. I am requesting immediate deletion of this tradeline, full disclosure of the method of verification, and investigation into XXXX use of automated or superficial verification practices that continue causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Sunbit, Inc.
State: TX

Complaint narrative:
they said trhey mail card out never rec i informed them to send it w tracking

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" XXXX XXXX XXXX XXXX repossessed my vehicle and sold it, but failed to comply with New York Uniform Commercial Code ( NY UCC ) Article 9 and NY VTL 425. They failed to provide proper statutory notices regarding the intent to sell, failed to prove a commercially reasonable sale, and committed a breach of peace. Therefore, the remaining balance they are reporting as a Charge-Off/Collection is legally null and void. I demand the immediate and permanent deletion of this account from my credit reports. ''

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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB, I am writing to inform you that I am a victim of identity theft and request your assistance in correcting my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX. I have recently obtained a copy of my credit report and discovered inaccuracies resulting from fraudulent activity that I did not authorize. Specifically, I am disputing the following information I have listed : Accounts : 1. Company Name : XXXX XXXX XXXXXXXX Account : XXXX Date Opened : XX/XX/XXXX Highest Balance : {$6100.00} XXXX. Company Name : XXXX XXXX XXXX Account:XXXX Date Opened : XX/XX/XXXX Highest Balance : {$5000.00} Inquiries : 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 non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Between XXXX XXXX XXXX, my account on a third party platform was hacked and an unauthorized party exploited my pre-existing PayPal billing agreement to pull {$68.00} from my account without my authorization. The hacker gained access to my third party account, changed the email and password to lock me out, and then used my linked PayPal billing agreement to fund fraudulent trading activity. During the same period, the same unauthorized party made nearly {$3000.00} in fraudulent charges across multiple other linked financial accounts. Those charges have since been reversed by the other platforms after confirming the fraud. I filed a claim with PayPal on XX/XX/year> ( Claim ID : XXXX ). PayPal denied my claim twice, stating that a billing agreement existed and therefore no unauthorized access occurred. While the billing agreement itself was legitimate when created, the specific transaction on XX/XX/year> was triggered by an unauthorized third party through my compromised account not by me. The existence of a billing agreement does not constitute authorization for a transaction made by a hacker. I requested a re-review and provided additional context including evidence that other financial platforms reversed identical fraudulent charges from the same incident. PayPal did not engage with this information and repeated the same denial. I am requesting a full refund of the {$68.00} unauthorized charge and a thorough review of how the billing agreement was exploited in this incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I keep being sent mail of advertising trying to get my business but I told them I have a bank already and dont wish to receive anything from them whatsoever but they keep sending me mail every week week after week and ive called and talked to a manager yet still im being harassed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
30 days late - XX/XX/2025 ; 30 days late - XX/XX/2025 ; 60 days late - XX/XX/2025. I do not know if they had the correct information or address. I possibly was not able to get my mail as I was being evicted. I did not receive any phone calls as well stating late information.

Company response to consumer: Closed with explanation