vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute the validity and reporting of an account listed on my credit report under the name Wells Fargo ( or its affiliated collection agency ). This account is not valid, not legally authorized, and is severely impacting my ability to secure stable housing and financial progress for my family. I want to clearly outline the violations and why I am demanding full deletion : No Legal Agreement Exists I never signed or consented to this debt. A valid contract requires signatures from both parties, and I have no record of ever entering a legally binding agreement with this creditor or collector. Furnishing a debt without proof of agreement is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). Failure to Follow Debt Validation Procedures This debt was never properly validated. Under FDCPA 809, collectors must provide : 1. Verification of the debt 2. The amount owed 3. The name of the original creditor 4. Proof that I am legally responsible for the debt 5. Notice of my rights as a consumer None of this was provided to me. Without these steps, this account should not be reported. Unjust Reinsertion Without Notification This account was previously removed from my credit report, then reinserted without notice. Under FCRA 611 ( a ) ( 5 ) ( B ), if a debt is reinserted, I must be notified within 5 business days. I received no such notification. This reinsertion is unlawful and further proves the negligent and abusive handling of my consumer data. Emotional and Financial Harm Because of this account being wrongfully reported : I have lost sleep and experienced mental distress I have been denied rental housing My family and I have suffered emotional harm from the embarrassment and disruption I am entitled to compensation under federal law for these violations. I DEMAND the following : 1. Immediate and permanent deletion of this Wells Fargo-related account from all credit reporting agencies 2. Written confirmation that this account has been deleted 3. Cessation of any further collection activity, reporting, or communication without full legal validation If these actions are not taken, I will pursue : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Legal action for damages under the FDCPA and FCRA A review of all documents related to this alleged debt Thank you for your attention to this matter. I expect a written response within 15 business days. 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 non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
CardNumber Documentation Request I received a new PayPal Credit Card issued by Synchrony Bank ending in XXXX. This card arrived today. I never activated the previous card ending in XXXX, and I did not activate the new card ending in XXXX. 

Despite this, unauthorized transactions occurred on XX/XX/year> while the replacement card ending in XXXX was still in the mail and not in my possession. Synchrony has not provided documentation showing which card number was used for the XX/XX/XXXX unauthorized transactions or for the unauthorized XXXX XXXX provisioning. 

At this time, I do not feel it is safe to log in to my PayPal Credit Card account until Synchrony confirms the account is secured. Because of this, I can not independently verify which card number was used for the fraudulent activity. I am relying on Synchrony to provide this information through the CFPB process. 

I am filing this complaint specifically to request documentation for both card numbers, including issuance dates, activation status, provisioning logs, and transaction logs. Synchrony has not provided this information in response to my prior complaints.

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 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I am filing a complaint regarding a debt being collected by Columbia Debt Recovery LLC / Genesis XXXX. 

I attempted to resolve the account responsibly and offered to pay the balance in full. I requested written confirmation of how the account would be reported upon payment, including whether it would be deleted from my credit report. The representative refused to provide any written confirmation and insisted I pay without documentation. 

During multiple phone calls, the same representative spoke to me in a demeaning and judgmental manner, including making comments implying fault or moral judgment for the age of the debt. This occurred even after I explained that I had to leave the apartment due to safety concerns after witnessing a crime. The calls are recorded. 

I am requesting that this matter be handled in writing only, that the company provide clear written clarification of their credit reporting practices upon payment, and that the conduct of the representative be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX, I placed an order with XXXX who makes clothing that takes a couple months to produce. XXXX ended up taking back the item for a return, and processed my return on XX/XX/XXXX The first Klarna rep tried to claim that some of the order was refunded even though I told them they had the wrong order ( wasnt even the correct merchant ) and refused to transfer me to a rep that understood my inquiry The next Klarna rep said I needed to speak to XXXX to process the refund even though I tried to tell them multiple times times with evidence that XXXX had already processed my refund in full on XX/XX/XXXX ( now XX/XX/XXXX ) Klarna is refusing to escalate my case until XX/XX/XXXX even though the merchant XXXX says there is nothing else they can do on their end and is unclear what Klarna is talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I opened a savings account with the Openbank by Santander on XX/XX/year>, and made a deposit into that account of {$50000.00} USD through an online transfer from my account at the XXXX XXXX ( phone : XXXX ). The online transfer was requested on XX/XX/XXXX through the Openbank online app, and the fund was successfully transferred to the Openbank account on XX/XX/XXXX. However, since XX/XX/year>, my Openbank account has been blocked by Openbank without any reasons or notifications. The only information I got is from the online app that indicates that the account, which has {$50000.00} available balance, is blocked, without any information explaining why and for how long the account is to be blocked. I called Openbank numerous times in XX/XX/year>, asking them to unblock the account or explain the situations. However, they refused to unblock my account, and failed to provide any consistent or convincing explanations for the blocking. Therefore, I suspect illegal activities from the Openbank and hereby file this complaint about their unlawful blocking my account, hoping to resolve the issue and to unblock my account so that I can get my money back.

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 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app transaction sent to wrong person, immediate sent refund request, contact customer service. Was not prompted whether I knew this person. Transaction went to a catering company. I was trying to sent {$280.00} to my mechanic for my radiator and rotors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing this complaint against IQ DATA INT, which is reporting a collection account with the alleged original creditor listed as XXXX XXXX XXXX XXXX TX ( Acct. # XXXX ). I never received any written notice, validation letter, or initial communication from IQ DATA INT before or after this account appeared on my credit reports. I became aware of this alleged debt only through credit reporting, which is a direct compliance concern under federal law.

Despite disputing this account and requesting validation, IQ DATA INT has continued to report this collection without providing any documentation demonstrating that the debt is legitimate, that the amount is accurate, or that it has legal authority to collect or furnish this account. To date, IQ DATA INT has not produced a lease agreement, move-out statement, itemized accounting of charges, proof of assignment or ownership, or copies of any notices it claims were sent to me. Reporting a rental or apartment-related collection without providing the underlying lease documentation, charge breakdown, or proof of consumer liability raises serious concerns about accuracy and lawful reporting. 
IQ DATA INT is a third-party debt collector and a furnisher of information to consumer reporting agencies. Continuing to report a disputed collection account without validation constitutes ongoing non-compliance, not a resolved issue. This conduct raises concerns under both federal debt collection requirements and credit reporting accuracy standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I closed on my home in XX/XX/XXXX, and at that time property taxes were to be escrowed. When 4th quarter taxes were due to be paid XX/XX/XXXX, Mr. Cooper failed to pay them by the due date. After much back and forth they finally paid them in XXXX via escrow, and took the interest that was accrued by the town ( due to being late ) out of our escrow account and paid the interest with our money. I was specifically told that theyre responsible for interest and fees because it was their responsibility to pay the taxes on time. The total amount in interest that was paid was {$180.00}. Theyve opened multiple internal investigations to review the refund they owe us, and this has been going on for over a month. Today, after calling them multiple times, they told me it was closed on XX/XX/XXXX, which no one communicated to me, and that the investigation found they are not responsible for the fees, and that the fees came from the 3rd quarter taxes ( due XXXX ) not being paid at closing. This is wrong. I spoke to the tax collector, 3rd quarter taxes couldnt be paid at closing because the prior homeowner was tax exempt, so there was no record of the amount of taxes owed for the 3rd quarter, therefore once the house was reassessed in the fall, the town combined the would have been 3rd quarter payment and 4th quarter to be paid together on XXXX. This 4th quarter payment is the one Mr cooper failed to pay on time causing us to accrue interest. They are now refusing to refund us, when it was their responsibility to pay the taxes by XXXX. I have written documentation proving the interest accrued was from a late 4th quarter payment and has nothing to do with the 3rd quarter as Mr Cooper is claiming. Mr Cooper is taking no responsibility, not communicating with us, and refuses to refund us the {$180.00} in interest that was paid to the town via escrow account. I would like to be refunded our {$180.00} that Mr Cooper took out of our escrow to pay the interest with. They are responsible for the interest that accrued, the interest has nothing to do with 3rd quarter taxes and I have written documentation from our tax collector stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I was the victim of a bank impersonation scam. I was contacted by someone claiming to be a representative from my bank and was told there was fraudulent activity on my account that required immediate action. Believing I was speaking with my bank, I was instructed to move funds as part of a fraud prevention process. 

Under this false representation, I transferred approximately {$4700.00} from my Chime account. I later learned that the individual was not affiliated with my bank and that this was a scam. I did not intend to send money to a scammer, and the authorization was obtained through deception and social engineering. 

I reported the incident to Chime and filed a dispute, which was denied. I requested documentation explaining the denial but did not receive supporting documentation. I have filed an FTC Identity Theft Report and a police report documenting this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This is past 4 years- Texas and California states this must be removed permanently law. Attached documentation. I did not ask for the lease, the wrong ledgers - I asked for proper documentation to be updated and remove this from my file which was not done. I have now mailed this in certified letters to all credit bureaus given CFPB is not holding the debt collector accountable for taking my documents telling me they will update it and remove it from my file then do nothing and not remove it and upload old lease documents that show they did not deduct my rental deposit they kept and have incorrect number on my credit report! This is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: NJ

Complaint narrative:
have a recurring billing dispute with Synchrony Bank ( Amazon Store Card ) regarding merchant XXXX I cancelled this subscription in Tue, XX/XX/year>, ticket ( ID # XXXX ), The merchant continues to charge me. I have disputed this multiple times with Synchrony, but they fail to stop the merchant or refund the money.

Furthermore, Synchrony refuses to let me remove my connected bank account from their system, forcing me to pay for these unauthorized charges.

I have formally revoked authorization for these charges. Synchrony is allowing a merchant to bill my account without valid authorization in violation of the Truth in Lending Act. I request a full refund of all XXXX  charges since XXXX and the immediate removal of my bank account from their system.

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 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
On or about XX/XX/XXXX, Synergetic Communications opened and began reporting a collection account in the amount of {$5100.00}, allegedly related to XXXX XXXX. The account was subsequently reported to the credit bureaus on XX/XX/XXXX and is currently listed as an open, derogatory collection. 

I dispute this account in its entirety. I do not recognize this debt as valid, and I have not been provided any documentation to substantiate it. Synergetic Communications has not provided a copy of a signed lease or agreement, an itemized breakdown of the alleged charges, or proof that they have the legal right to collect this debt. 

To date, no proper written validation has been provided explaining how the balance of {$5100.00} was calculated or demonstrating that this debt is accurately attributed to me. Despite the lack of verification, the company continues to report the account as a collection. 

I am requesting that this account be fully validated or removed from my credit reports if such documentation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I am writing to formally report an irregular and unjust situation that occurred with my payments for the month of XX/XX/year>, which resulted in financial harm and unfair treatment as a customer. 
On XX/XX/year>, I made my regular monthly payment of {$2100.00}, under receipt number XXXX. Later that same day, I submitted a second payment corresponding to half of the escrow amount, totaling {$250.00}, also under receipt number XXXX. 
Immediately after completing the second payment, I noticed that the system generated a receipt for {$2300.00}, which led me to believe that the system had combined the monthly payment with the half escrow payment. However, upon reviewing my bank statement, I discovered that the system had processed two full payments, which caused my account to go into a negative balance. 
I contacted your company multiple times to report the issue. During each call, I was told that the error would be corrected. I even observed funds being removed and readded to my account, without any definitive resolution. I clearly warned that this situation could result in bank fees, as the double charge was not caused by me. 
Despite my timely reports, the company ultimately stated that the payment was returned for insufficient funds and applied a {$39.00} fee, which I consider unjust, improper, and the direct result of a system error, not customer negligence. Although I paid the fee to avoid further complications, I have all the evidence that proves what occurred. 
For these reasons, I respectfully request : 1. A full review of the case, including all payment records from XX/XX/year>. 
2. A refund of the {$39.00} fee, as it was generated by an error outside of my control.

3. A written statement acknowledging that the double charge resulted from a system malfunction and not from any failure on my part. 
XXXX. XXXX that similar issues will not occur in the future. 
I appreciate your attention to this matter and expect a formal written response within a reasonable timeframe. As a customer, I deserve fair treatment and a resolution consistent with the evidence provided.

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 2026-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a {$400.00} payment to my XXXXXXXX XXXX XXXX Card. I checked my account today and I was charged a {$29.00} returned payment fee. We had a call with my bank, Goldman Sacs and XXXX where they stated that the payment did go through. He said it went through the second time, but the first time it did not. Goldman Sachs would not give me a reason why it did not go through the first time, however they did confirm that I that did have the available funds when I made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
XXXX. ) This debt is a medical bill that has been paid. {$1100.00} x XXXX XXXX. ) It is also over XXXX XXXX XXXX and has been sold to several different companies. ( They keep changing the date to close the time gap ). XXXX. ) It is the same fee that has been charged XXXX times like its XXXX separate charges. That is incorrect. ( So its showing a debt of {$2300.00} ( {$1100.00} x XXXX ) This has caused my credit score to decrease and caused me to be declined for a credit account that I needed. Please have this removed. This is almost XXXX XXXX XXXX. I don't have anything with this info any longer because it was resolved years ago. I can try to locate something, but I'm not sure if I will have any luck. 

They keep putting it back on my credit report. This is the same issue I had with Case # XXXX and Case # XXXX, They keep selling this false info to new companies and bringing my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
Mortgage payments not be posted, inconsistent stories from customer service representatives XXXX day I am told XXXX thing the next day something completely different.

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