vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing the balance, fees, and interest on my Synchrony Bank account and requesting rescission of the underlying credit agreement and termination of the contract due to the merchant 's breach of contract and failure of consideration. Below are the relevant facts : Deceptive Sales Practices : On XX/XX/year>, I was pressured into signing a credit agreement for a water treatment unit costing {$4800.00}, despite repeatedly telling the salesperson I could not afford it. The salesperson also took my old unit as a trade-in for {$1000.00}, falsely claiming it was about to become obsolete, and pressured me into signing receipts and allowing photos to be taken. Damaged Goods : Upon delivery, the new unit was defective it had visible scratches, old oil residue, and a cracked tray. On XX/XX/year>, I notified the merchant of these defects via text message, including photos, and also sent a certified letter to the merchant 's listed business address in XXXX. I also detected the serial number of the machine is dated XXXX. Missing Merchant / Breach of Contract : The certified letter was returned because the XXXX address provided by the merchant does not exist. This has made it impossible for me to return the defective unit or otherwise resolve this issue directly with the merchant. Because the merchant delivered defective goods and can not be located or contacted to process a return or remedy, the merchant has breached our agreement and failed to provide the consideration promised under the contract. Prior Communication with Synchrony Bank : I sent documentation supporting this dispute to Synchrony Bank via certified mail on XX/XX/year>. I also spoke with Synchrony 's Fraud Department on XX/XX/year>, and submitted supporting documents at that time. Basis for Rescission : Because the merchant can not perform its obligations under the contract delivering a non-defective product and maintaining a legitimate, reachable business for service or returns I am requesting rescission ( cancellation ) of this credit agreement in full.

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not acknowledging or in acceptance of the debt. I am requesting validation of this debt and ask that you provide documentation sufficient to verify the obligation

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 2026-06-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing a formal complaint against Synchrony Bank ( CareCredit ) for deceptive marketing and predatory lending practices regarding a deferred interest promotion.I consistently paid double my minimum payment amount. I believed I was clearing the balance safely. CareCredit set the minimum payments deceptively low. They failed to clearly allocate payments toward the promotional balance. Suddenly, CareCredit hit my account with over {$1000.00} in retroactive deferred interest.When I called customer service to resolve this, a representative was hostile and unhelpful. I have paid over {$2000.00} in on-time payments. Yet, my current balance remains near the original principal amount due to compounding, punitive interest rates.I request that Synchrony Bank audit my payment history, waive the predatory deferred interest charges, and correct any negative reporting sent to the credit bureaus.

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 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company
State: CA

Complaint narrative:
On XX/XX/XXXX, I underwent a pre-scheduled medical procedure ( XXXX removal and reinsertion ) at XXXX XXXX, XXXX XXXX, CA. I presented with active health insurance ( XXXX XXXX XXXX XXXX ) on file. My insurer subsequently denied the claim as a plan exclusion, resulting in a patient balance of {$4200.00}. I formally disputed this balance with XXXX XXXX on multiple occasions, as the charges were never disclosed to me in advance and no Good Faith Estimate was provided before the procedure as required by federal law. Without any prior notice to me, XXXX XXXX referred my account to Frost-Arnett Company for collections. I did not learn that my account had been sent to collections until XX/XX/XXXX - 71 days after Frost-Arnett had already contacted me. Frost-Arnett 's first and only contact was an SMS text message on XX/XX/XXXX, from short code XXXX, containing a payment link ( XXXX ) and a shortened URL ( XXXX XXXX ). My XXXX flagged the message as potential spam and it was indistinguishable from a phishing attempt. At no point did I receive any written or mailed correspondence from Frost-Arnett containing the four FDCPA-required validation notice elements : the amount of the debt, the name of the creditor, notice of my 30-day right to dispute, or my right to request verification of the debt. Upon learning of the collections referral on XX/XX/XXXX, I called Frost-Arnett directly to express that I did not understand why my account had been sent to collections, as my dispute with XXXX XXXX was still open and unresolved at that time. XXXX XXXX issued a final closure of my dispute by email on XX/XX/XXXX. I then sent a formal written dispute and validation request to Frost-Arnett by certified mail on XX/XX/XXXX. The letter was received by Frost-Arnett on XX/XX/XXXX. I am requesting that the CFPB investigate Frost-Arnett 's failure to provide a written validation notice as required under 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to TransUnion via USPS Certified Mail. Delivery was confirmed on XX/XX/year> at XXXX XXXX in XXXX, PA ( Tracking : XXXX ). My dispute requested investigation of the following accounts : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( two accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Under FCRA 611 ( a ) ( 1 ), TransUnion was required to complete its investigation and provide written results within 30 days no later than XX/XX/year>. As of XX/XX/year>, which is 43 days after confirmed delivery, I have received absolutely no response, no investigation results, and no updated credit report from TransUnion. This is a willful violation of FCRA 611. I am requesting the CFPB order TransUnion to immediately complete the investigation and delete all accounts that can not be verified.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Im writing to file a complaint against Portfolio Recovery Associates , LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
The XXXX XXXX XXXX XXXX vehicle repossession conducted on XX/XX/XXXX, at approximately XXXX XXXX directly violated XXXX XXXX XXXX XXXX. XXXX. The repossession agent committed a formal breach of the peace by contacting law enforcement to override my explicit verbal objection. Enclosed is the official police record confirming this illegal intervention. Because of this wrongful repossession, Ally is legally barred from collecting any deficiency balance. I request you immediately drop the remaining deficiency balance, close the collection account, and delete the trade lines from your XXXX XXXX and XXXX 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 explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
This XXXX debt is past 8 years and no validation was ever produced. No emails or any communication as sent. This debt was also removed from my credit report except XXXX where it was removed and reinserted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo changed the daily minimum on the checking account in order to begin charging monthly service fees. I called to understand why I was being charged and was told if I met the new daily minimum, I would no longer be charged. I deposited the required amount and then received another charge after having the required minimum balance in the account. As noted in this article, Wells Fargo has a history of incorrectly targeting consumers with illegal fees and incorrect charges 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 explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I used Wells Fargos XXXX XXXX XXXX to send a payment of {$860.00} to XXXX XXXX. Wells Fargo immediately deducted these funds from my checking account and Savings. The funds were successfully deducted from my savings account, and I received an initial confirmation of the XXXX XXXX transaction. However, XXXX XXXX never received the money. I have contacted Wells Fargo customer service multiple times. Multiple representatives acknowledged that the transaction failed or canceled, telling me the money is " in the air '' and " canceling out. '' Despite these acknowledgments from the bank, Wells Fargo has failed to credit the money back to my available account balance. Because Wells Fargo is withholding my funds and has failed to execute or promptly reverse this transaction, my auto loan payment with XXXX is now past due, and I have been hit with a late fee. Wells Fargo is failing to honor its own XXXX XXXX Payment Guarantee by dragging out this process and causing me direct financial harm. To make matters worse, the digital trail for this transaction has completely vanished from my Wells Fargo online banking account dashboard, even though the money is physically missing from my savings 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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
This company is reporting fraudulent and inaccurate information on my credit report. I have repeatedly requested documentation supporting their claim that this account belongs to me. Specifically, I requested proof of ownership of the alleged debt, including any purchase or assignment agreement demonstrating their legal right to collect and report this account, as well as documentation establishing that I am the person responsible for the account. To date, the company has failed to provide sufficient evidence that I opened, authorized, or benefited from the account. The documents provided do not contain my signature, an account application, a service agreement, or any other records proving that I entered into a contractual relationship with the original creditor. I am requesting copies of the following : The purchase and sale agreement or assignment documents establishing ownership of the account The original signed application or contract Documentation showing the identity used to open the account Complete account statements and payment history Records demonstrating that I authorized or used the account Until such documentation is provided, I dispute the accuracy and ownership of this account and request that it be removed from my credit file. If the information can not be fully verified, I request deletion pursuant to the Fair Credit Reporting Act. I declare under penalty of perjury that this account is not mine and that the information provided in this dispute is true and correct.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Im writing to file a complaint against Jefferson Capital LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 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: Climb Credit Inc.
State: SD

Complaint narrative:
I am filing this complaint regarding financing provided through Climb Credit in connection with services offered by XXXX XXXX XXXX XXXX XXXX. In XX/XX/year>, I entered into a financing agreement totaling approximately {$8600.00} plus interest through Climb Credit for marketing services that were represented as including lead generation systems, funnel and landing page development, paid advertising setup and management, creative production, and ongoing support. After entering into the agreement and becoming obligated on the financing, I repeatedly attempted to obtain the promised services and support. Over the following months, I made numerous requests through available communication channels seeking updates, assistance, scheduled workshops, deliverables, and implementation of the services described in the agreement. Despite these efforts, I did not receive the services that were promised. The provider became increasingly unresponsive, and my attempts to communicate by email, messaging platforms, social media, and other channels either went unanswered or failed to result in meaningful resolution. I submitted formal written requests seeking clarification, performance under the agreement, and resolution of my concerns. The issues remained unresolved. I subsequently contacted Climb Credit multiple times to explain that the provider was not delivering the contracted services and had become largely unreachable. I requested assistance and review of the financing arrangement due to the apparent failure of the provider to fulfill its obligations. Climb Credit has directed me to make multiple dispute attempts through them, which have all gone unresolved. Rather than investigating the substance of the dispute, I was repeatedly directed back to the provider despite my explanation that the provider was not responding and that I had already made extensive efforts to resolve the matter directly. I have assembled documentation supporting my complaint, including the signed agreement, communications requesting services and support, evidence of repeated attempts to contact the provider, formal notices requesting resolution, communications with Climb Credit, and evidence showing the provider acknowledged operational problems affecting service delivery. At this point, I believe I have exhausted all reasonable efforts to resolve the matter directly. I remain responsible for financing obligations associated with services that were not delivered as promised. I am requesting that this matter be investigated for potential breach of contract, failure to provide contracted services, unfair business practices, and any applicable consumer protection concerns. I am seeking a fair review of the financing arrangement, investigation of the providers conduct, and appropriate relief based on the documented non-delivery of services and the circumstances surrounding this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Roger Van Wert
State: MI

Complaint narrative:
I want to report a debit card fee XXXX cents that was charged extra for a purchase I made of XXXX, total paid {$2.00}. After I paid I noticed the extra XXXX charge and asked why was I charged this and was told because the amount is under XXXX. My understanding is this is illegal. I would like to file a complaint so this company can stop charging customers extra for card use. This was a XXXX gas station at XXXX XXXX in XXXX Michigan .

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: WI

Complaint narrative:
I am an XXXX XXXX XXXX XXXXXXXX XXXX XXXX with XXXX XXXX XXXX serviced by Edfinancial. My loans were previously under administrative forbearance. I mistakenly believed that, because I remained on XXXX XXXX, my loans were not yet due for repayment when the administrative forbearance ended in XX/XX/year>. As a result, I did not realize payments had resumed in XX/XX/year>. Once I became aware of the issue, I immediately contacted Edfinancial to resolve it. During that conversation, Edfinancial applied administrative forbearance and brought my account current. My account now reflects no past-due balance and is no longer delinquent. Despite the account being brought current through administrative forbearance, Edfinancial continues to report severe delinquencies to XXXX XXXX XXXX XXXX. These negative marks caused a significant drop in my credit score of approximately XXXX points. I acknowledge that I misunderstood the status of my loans and believed they remained deferred due to my XXXX XXXX XXXX However, I acted immediately to correct the issue once I became aware of it, and Edfinancial has since brought the account current through administrative forbearance. I respectfully request that Edfinancial review the credit reporting associated with my account from XX/XX/year> through XX/XX/year> and determine whether corrections, adjustments, or goodwill removal of the reported late payments are appropriate given the circumstances and the subsequent administrative forbearance. I am also requesting a written response explaining the reporting status of the account and whether any updates or corrections will be submitted to XXXX XXXX XXXX XXXX. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
I am formally disputing OneMain Financial 's response dated XX/XX/XXXX, because it contains outright false statements. OneMain states to the CFPB that they 'have not received payments as agreed ' and implies I defaulted from the start. However, my official XX/XX/XXXX OneMain statement explicitly shows a payment was successfully processed on XX/XX/XXXX. OneMain is lying to a federal regulator to cover up their internal accounting fraud. Furthermore, by altering my physical cash down payment from {$600.00} to {$500.00} on paper, they artificially inflated my loan balance to {$15000.00} to pack hidden 'XXXX XXXX XXXX ' fees into my contract. This exact pattern of deceptive document manipulation, verbal misrepresentation, and falsifying customer payment histories is why OneMain is currently being sued by a coalition of XXXX XXXX XXXX XXXX. I demand a full independent federal investigation into this branch 's fraudulent record-keeping. XXXX more thang I paid a XXXX dollar down payment on the XXXX XXXX

Company response to consumer: Closed with explanation