vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX synchrony Bank placed a freeze on my account. Due to the holidays, I was unable to get in contact with anybody from the bank until XX/XX/XXXX. On XX/XX/XXXX I was finally able to get an answer on why I was unable to access my online banking. The representative told me that the XXXX account attached to the synchrony bank was unable to be verified by synchrony they told me this will be a XXXX to 5 day process and to call back if I was still unable to access my online account. On XX/XX/XXXX I contacted synchrony Bank again because I was still unable to access my account. They had me do a conference call with XXXX and told me that this will be another 3 to 5 day process to get the account unfrozen since I had proven that the XXXX account was in fact mine. On XX/XX/XXXX I reached out to synchrony Bank again because my account is still frozen they told me that theyre back office is still reviewing the case and they have no time period on when they will be able to unfreeze my account so since XX/XX/XXXX of XXXX I have been unable to access the funds in my account they have return payments from institutions that I have auto pay and will not give me any updates on the situation or when my funds will be available or will they let me close the account and send me the funds that are in the 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 explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I added {$2000.00} onto a XXXX XXXX  secured credit card. I have a balance of {$510.00} I paid it and come to find out XXXX  XXXX sent my secured credit card account to debt collectors ressurgent and they sent me a letter saying I paid my account in full. I need to contact XXXX XXXX for my my back when I call XXXX XXXX they tell me to calll resurgent I was told that once I pay the full balance my money would be returned back to me via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: NV

Complaint narrative:
XXXX has violated the Nevada lemon law. I purchased a brand new vehicle and it has broken down 6 times and total shop time of 60 days. I have retained a lemon lawyer and the XXXX has ignored all buyback requests.

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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
So back in XXXX of XXXX XXXX went through the lengthy process of trying to fight capital one on getting my money back as the sued me and started deducting pay from my paychecks. They realized that when my bank paid it off capital one paid it to someone elses account not mine and said they would refund me. I got a portion of the refund from the sheriffs office but capital one never sent me their check which was over XXXXXXXX XXXX I had called them and the lawyer was super rude and said he would look into it and never got back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I recently received information that Midland Credit agency is pursuing a debt collection against me. I have never recieved any type of communication involving any debt. I have never done any type of business with this company. I doubt the validity of this debt and am requesting it be validated. I have no further information other than them claiming I owe the debt and are pursuing a debt collection against me. I have never received any type of communication involving any debt. I have never done any type of business with this company. I doubt the validity of this debt and am requesting it be validated. I have no further information other than them claiming I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Had a dispute with Synchrony Bank for a Harbor Freight Credit Card account. 
I repeatedly called to address the incorrect charges. After a handful of months, I spoke to someone in the United States that agreed that Synchrony screwed up. 
I was sent a check for overpayment. 
I had already closed out the account. 
With all the negative entries from Synchrony, my credit score went from a XXXX score of XXXX to XXXX, where it is today. 
I am a small business owner and need credit, so the attack on my credit score is important. 
I called Synchrony on XX/XX/XXXX and was promised a letter indicating the error from Synchrony and they would contact the credit bureaus to correct the derogatory entries. 
I called again on XX/XX/XXXX and nothing has been done.

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 2026-01-20 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Refinance mortgage XX/XX/XXXX. Through XXXX XXXX. Title reording did not show release of interest on loan. Loan was bought by XXXX XXXX and then agian by wells fargo in XXXX. There is Currently a clould on title. Asked for wells fargo to do a recovenance and record it to XXXX XXXX. And send us a letter showing the loan was satisfied. We asked wells fargo for documents showing the loan was satisfied. and provide me a letter showing it was paid. They requested a letter fax or sent via mail. No number to talk to said it coukd take XXXX  days.. I am in the middle of a refinance tgrough XXXX. There title company is trying to clear up but is getting the same run around as we are. We need wells fargo to contact us and send us a letter showing the loan was satified asap. 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 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
A vehicle financing account is being reported based on unauthorized electronic signatures. 
I did not consent or execute any agreement. 
This violates FCRA, TILA, E-SIGN, and the FTC Holder Rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I checked my credit report. Upon checking XXXX I saw a notification that there was a personal loan from Affirm that had been taken out in XX/XX/XXXX for {$990.00} and never repaid. 

Is was listed as written off on my credit report. 

Upon review I learned that XXXX fraudulent loans were taken out under my name via identity theft. Both loans were with Affirm. 

Loan XXXX : XXXX XXXX XXXX XXXX XXXX XXXX for {$1200.00} taken on XX/XX/XXXX. XXXX XXXX XXXX is listed as a janitorial supply company online and this was a purchase for a Square Register Dot Screen Display XXXX with an order ID XXXX. I dont have any idea what this product is and didnt order it. 

Loan XXXX : XXXX XXXX for a XXXX XXXX XXXX Ful Size Stroller for {$990.00} and order ID XXXX. It was ordered XX/XX/XXXX. I was able to talk with XXXX XXXX and they said this was ordered under my name and address but someone contacted XXXX  and had the delivery location changed to a dollar general location in central PA. 

It appears someone was using my identity and my email address XXXX. They were using a phone number Im not familiar with XXXX. 

At some point Affirm transferred this debt to XXXX XXXX. XXXX XXXX since returned the debt to Affirm. 

I got a police report on XX/XX/XXXX and filed a FTC Identity Theft Report on XX/XX/XXXX. On XX/XX/XXXX I sent the police report to Affirm. I am mailing the information to them on XX/XX/XXXX as well. 

I received notification today that even with this information they won't rule in my favor. I filed a previous complaint and they closed it also without ruling in my favor. 

I have exhausted every avenue I have to demonstrate that this was identity fraud and they refuse to take these loans out of my name and off my credit report. 

Please advise what to do because this is impacting me in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Kriya Capital, LLC
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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: IL

Complaint narrative:
I am submitting this complaint regarding a {$1800.00} deferred interest charge that was added to my CareCredit ( Synchrony Bank ) account after a promotional financing period expired. 
I opened the account for dental expenses under a 0 % promotional financing plan that expired on XX/XX/year>. Throughout the promotional period, I made consistent, on-time payments and believed I was paying the balance down appropriately. I did not realize that having a remaining balance after the expiration date would cause the entire year of deferred interest to be applied retroactively. 
On XX/XX/year>, I noticed that {$1800.00} in deferred interest had been added to my account. I contacted CareCredit/Synchrony customer service via chat and requested an explanation of the charge and asked whether a one-time courtesy or goodwill adjustment was available, especially since I was willing to pay the remaining balance in full immediately. 
Customer service and an account manager informed me that the deferred interest could not be waived and offered only a hardship program, which would have closed the account. I declined this option and requested escalation. I later filed a complaint with XXXX XXXX XXXX XXXX. The complaint was forwarded to Synchrony, but the business did not respond, and the XXXX  case was closed due to lack of response from the company. 
This deferred interest charge represents a significant and unexpected financial burden. I am not disputing the principal balance and remain willing to pay the remaining balance in full if the deferred interest can be adjusted or waived as a goodwill courtesy. I am requesting regulatory review and a written response from Synchrony Bank regarding 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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was trying to dispute a charge against XXXX  Citi card for {$830.00} a 86 inch XXXX tv I purchased from XXXX  within 6 months period but they told me it's too late but when I called back manager told me I could have disputed within 6 month. Could this be conflect between retailer acting as financial company to mislead or avoid disputes. Please investigate.

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 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I am submitting a formal complaint against Bridgecrest Auto Finance for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Bridgecrest is reporting my automobile installment account with contradictory and incomplete information. The account is marked as Repossession and Closed as of XX/XX/year>, yet it continues to report an outstanding balance of {$9500.00} and ongoing account updates. Additionally, the tradeline lists installment terms as {$0.00} per month paid monthly for 72 months, which is not a valid or accurate loan term and renders the account materially misleading. 

The payment history, balance reporting, account status, and terms can not all be accurate simultaneously. Bridgecrest has failed to clearly and accurately report the legal status of this account, including how a repossessed and closed account continues to accrue balance updates without proper explanation or documentation. 

I have requested that Bridgecrest provide the method of verification, documentation supporting the reported balance and terms, and the legal basis for continued reporting after repossession and closure. If Bridgecrest can not fully substantiate each reported data point, the tradeline should be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have been a member of USAA for XXXX years and a retired XXXX veteran of XXXX years. I had fraudulent activity on my account back in XX/XX/2025. I had some issues with XXXX getting access to my XXXX info and stolen atm card. At that time I was also going through XXXX XXXX XXXX The bank called me collected info from me and never heard back from them. Then XXXXXXXX XXXX  the bank put the amount back on my account leaving me in the negatives. They said they sent an email the day before about it. My account was XXXX XXXXXXXX?? I called to have it escalated higher then all of a sudden this past week all my accounts are restricted to be closed. Again they said they sent me an email the day before. All my money and direct deposit are with USAA. This has put a major hardship on me and my family. I do not deserve to be closed out because of something I had no control over.

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
On XXXX, I manually unstaked XXXX tokens of XXXX from my XXXX wallet. XXXX promises no more than XXXX days to XXXX XXXX. However, on XXXX, I observed that only XXXX of my tokens were unstacked. I filed a complaint with XXXX as to why the full amount was not unstaked. I got a robo answer. Then, on XXXX, I checked my XXXX account, and the remaining XXXX XXXX tokens that had been in the " XXXX '' mode were now completely missing from my XXXX wallet. I checked the transaction history, and there was nothing to account for where this tranche went. I escalated my complaints with XXXX to identify where my tokens went and to fully restore and complete the unstaking processes. I have only received generic " we are working on it '' responses. It is now 7 days since I unstaked my tokens and 5 days since the remaining tokens disappeared from my XXXX wallet. XXXX has been completely unresponsive to my repeated queries. This violates their own rules and, moreover, raises serious concerns about the chain of custody of the tokens I own. This is the second major violation I have experienced with XXXX. They have been unprofessional and unresponsive, and I am at severe risk of missing out on significant price appreciation of these tokens while they remain lost

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Today XX/XX/year> associated bank charged my checking account {$200.00}. XXXX said withdraw. There was no information other than that. I called and the woman I spoke to said XXXX of their employees made an error and mixed up account numbers and names and this was supposed to come out of someone elses account. I demanded this be fixed today and asked for a call back. Neither happened. It I has now caused many issues for me. Im on XXXX XXXX XXXXXXXX and live on a very limited income. The fact that this was not a high priority and was ignored is shocking and terrifying. I will be closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Subject : Unjust Account Closure and Failure to Honor Reinstatement Promise Account : Barclays AAdvantage Aviator Opened : Approx. XXXX Closed : XX/XX/XXXX I have been a Barclays customer since XXXX. On XX/XX/XXXX, Barclays closed my credit card account solely due to an administrative error regarding an incorrect mailing address on file. This was not a closure based on delinquency, non-payment, or risk. No attempts to contact me via email, phone, or writing were made. 

Upon discovering the closure, I contacted Barclays immediately. I spoke with a supervisor who reviewed the situation, confirmed it was an address error, and explicitly approved the reinstatement of the account to rectify the mistake. 

Despite this verbal confirmation from a supervisor, the account remains closed. Barclays has failed to execute the reinstatement they promised. This error has significantly shortened my credit history ( removing a XXXX trade line ) and damaged my credit score. 

My address on file has been properly updated, to ensure I can receive the replacement cards ( once the account is reinstated ). I have attempted to resolve this directly with customer service and their supervisors but have reached a dead end, and would greatly appreciate your guidance and support in reinstating this 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 explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, my PayPal Balance was depleted by unauthorized activity. I did not authorize these withdrawals or transfers. Because my PayPal Balance had been drained without my permission, legitimate payments that should have been paid from my balance were instead misrouted to a linked credit product. This included a XX/XX/XXXX installment and a XX/XX/XXXX installment that should have been paid from my PayPal Balance but were charged to credit only because the balance had been emptied by unauthorized access.

I attempted to resolve this with the company, but I have not received an explanation for how my PayPal Balance was accessed or why the system routed payments to credit instead of using my available balance. The unauthorized activity continues to affect my account, and the balance has not been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
An account was opened through Lowes ( synchrony ) for a credit card. someone made a purchase and paid that off at some point. Then a purchase was made for paint. {$30.00} to {$50.00}.

Many months or longer after that purchase was made I was sent a bill. I immediately called and disputed ever opening an account. Making sure the account was closed and could not be reopened. I opened a total of 3 or 4 disputes with synchrony. All the time the initial balance has risen to {$510.00}. And a negative effect on my credit report which was over 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 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Venmo encourages fraud and closes your account when you call them out about it. After about a month of contacting support on an account I hadn't even used they closed my account do to suspicious activity. My friend was a victim of fraud the scammer sent money to me and themselves from my friends account to make it look normal when it wasnt. They denied her fraud claim. So I reached out to confirm it. They didn't like that and closed my account. I hoping she gets her money back but my hopes are low.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 explanation