vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRIORITY PLUS FINANCIAL LLC
State: NC

Complaint narrative:
I received a letter in the mail that states it would provide me with economic relief and to call XXXX or XXXX and was reached out by XXXX XXXX and received my Social Security number. I was tricked. This is the email o received We have secured an approval with XXXX XXXX XXXX to settle your unsecured debt in much less time than your current path and at a substantially lower amount. Below are the details of your approval and a list of the accounts that are eligible for the program. 

Current Path Current Minimum Payment {$840.00} Current Unsecured Debt {$.00} * It may take you XXXX years to pay this off New Proposal New Payment {$470.00} Term : Deposits Monthly Savings ( increased cash flow ) {$370.00} Key Points : Lower monthly payment/increase cash flow Become Debt Free in 48 months or less Stop wasting your hard-earned income on daily compounding interest Reduce stress with a clear plan in place Fees are never collected until each account is settled and payment is sent to creditor Enrollment is not reported to the Credit Bureaus This is not bankruptcy or consumer credit counseling Eligible Debt : XXXX * All representations are estimates based on prior experience. We can not guarantee you will have the same results. 
Step 2 : Consolidation Loan As long as you make on-time payments in the next XXXX months and meet a few easy conditions, you will be eligible for the Conditional Consolidation Loan which is exclusive to current clients and is designed to pay off the remaining balances on your accounts down to {$0.00}. The conditional loan is no credit based at that point. Its based on you successful meeting the conditions of the modification plan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Reviews of XXXX All the best, XXXX XXXX XXXX XXXX XXXX XXXX Direct : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX CONFIDENTIAL : The information in this email is confidential and may be legally privileged. Access to this email by anyone other than the intended addressee is unauthorized. If you are not the intended recipient of this message, any review, disclosure, copying, distribution, retention or action taken, is prohibited and may be unlawful. If you are not the intended recipient, please reply to or forward a copy of this message to the sender and delete the message, any attachments and any copies thereof from your system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a rooms to go credit card with XXXX available credit after making a purchase they immediately decreased my available credit even making payments on time and I paid off account. They constantly decreased my credit without any justifiable reason. I opened this account XXXX of XXXX I believe. Then I received a Belks credit card some time after opening rooms to go with I believe was XXXX available credit. Now if my credit was bad why would they give me a card. They would decrease my credit after purchases to put you in a 95 % usage that would decrease your credit score. Now sometime in XXXX I opened a XXXX credit card the exact same thing would happen. When you use the card make payments on time they eventually just closed my account due to what was being reported from rooms to go and Belks for 95 % usage or just simply closing out account for using your card. Now I know for a fact synchrony gives you credit you use it make the minimum payment as agreed or more then they either raise your minimum payment so high that you cant afford the payment which gives you a late fee even though I made a payment I could afford. They never gave me a reason on rooms to go of why my minimum payment on XX/XX/XXXX was XXXX? Then they closed my account and immediately closed XXXX even though I made my payments. Im seeing all over the internet synchrony bank discriminating against women doing this over and over to women.

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 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One is reporting inaccurate and misleading information regarding a charged-off credit card account that was paid in full on XX/XX/year>. 

The account reports balances exceeding the stated credit limit, multiple charge-off months, and ongoing charge-off status despite a {$0.00} balance and full payment. 

The account also reports past-due balances after charge-off, which is internally inconsistent. These errors violate the Fair Credit Reporting Acts requirement for maximum possible accuracy. 

I am requesting deletion of this tradeline from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I am disputing my solar loan with GoodLeap due to contractor misrepresentation, failure of system performance, and related roof damage. 
I was sold a solar system that was represented to significantly reduce or replace my electric bill. I am on XXXX XXXX XXXX in Arizona, and my electric bill has not decreased at all. I am currently paying approximately {$300.00} per month on the GoodLeap solar loan and still paying approximately {$150.00} per month to my electric utility, which is the same as before solar. 
I was not provided with a copy of the original solar proposal or documented performance estimates. The loan was approved based on verbal representations of savings that have not occurred. 
In addition, roof repair was represented as being included, but my roof was damaged further during or after installation. This raises concerns about installation quality and contractor conduct. 
I am requesting that GoodLeap conduct a full internal review, provide my complete loan file ( including Truth in Lending disclosures, contractor agreement, and any performance representations ), and work toward resolution due to misrepresentation and system failure. 
This loan was issued based on expectations that were not met, and I believe this constitutes a failure of consideration and potential violations of consumer protection and Truth in Lending standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
You need my personal information. Please request it. Capital One N. A. Bank receives my social security payments monthly. I am a US citizen residing legally in the XXXX XXXX XXXX with full and current permission from the XXXX XXXX XXXX in XXXX, XXXX from the XXXX in XXXX but my XX/XX/year> social security payment is missed. Capital One has done this to me before and recently. XXXX  days is sufficient time to credit my Capital One deposit account. The amount is {$1300.00} and is past due and wrongfully withheld. My financial hardship is immediate and serious and ongoing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing regarding the fraudulent Bank of America account associated with my name. I previously disputed this account and provided a valid police report documenting that the account activity was unauthorized and the result of fraud/identity theft. 
Despite submitting the police report and supporting documentation, Bank of America has failed to remove or block the fraudulent account and has not provided adequate justification for maintaining it. This failure is causing ongoing harm. 
Please be advised that under federal law : 15 U.S.C. 1681c-2 ( FCRA Identity Theft Block ) requires furnishers and credit reporting agencies to block the reporting of information resulting from identity theft once a police report or identity theft report is provided. 
15 U.S.C. 1681s-2 ( b ) requires furnishers, including banks, to conduct a reasonable investigation and correct or delete inaccurate or fraudulent information after receiving a dispute.

15 U.S.C. 1693 et seq. ( Electronic Fund Transfer Act ) and 12 C.F.R. 1005 ( Regulation E ) require financial institutions to investigate unauthorized transactions and limit consumer liability for fraud. 
I have complied with my obligations by promptly disputing the account and providing a police report. Bank of Americas continued failure to remove or properly resolve this fraudulent account may constitute violations of the Fair Credit Reporting Act and the Electronic Fund Transfer Act. 
I am requesting the following : Immediate removal and closure of the fraudulent account Written confirmation of the results of your investigation Correction of any reporting related to this account If this matter is not resolved promptly, I am prepared to pursue further regulatory and legal remedies, including escalation to the Office of the Comptroller of the Currency and additional action under applicable federal law. 
Please respond in writing. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
i filed dispute with XXXX, XXXX, and XXXX  to investigate.15 USC 6802 { GRAMM-LEACH-BILLEY ACT } this debt was charged off by bank of america for XXXX if the whole amount was written off how do i still have a owed balance of XXXX bank shared my private info 15 usc 6802

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 2026-02-08 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: NY

Complaint narrative:
I found a charge on XX/XX/year> for over {$8000.00} from XXXX. I immediately called Synchrony Bank to let them know I didnt make such a purchase. They conducted a fraud investigation and around a month later I got an email saying the charge is valid. I called the card company again and disputed the charge. A woman from the card company left me a message to call and the next day I spoke with an agent who asked me XXXX questions. The next day I saw the {$8000.00} charge again posted to my account. I also got another email stating that the charge is valid. 
I called the card company again on XX/XX/XXXX and the agent asked if I spoke with XXXX, the company who supposedly charged my account. I called XXXX today and spoke with XXXX (? ) from fraud unit who said no such purchases appear on my account. This confirms that I did not make this purchase. 
Since XX/XX/year> Ive been experiencing unnecessary anxiety and stress. I thought that Synchrony Bank were gatekeepers meant to protect the cardholder. They are not providing me with proof that the charge is valid and they are not doing their job to 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 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is furnishing inaccurate and misleading credit information regarding a charged-off credit card account on my XXXX credit report. 

According to Wells Fargos own furnished payment history, the account was current through XX/XX/XXXX and first became delinquent in XX/XX/XXXX. However, Wells Fargo is reporting the account as past due as of XX/XX/XXXX. This is false. The account had already been delinquent and charged off well before XX/XX/XXXX. 

Reporting the account as past due as of XX/XX/XXXX improperly suggests a more recent default and constitutes illegal re-aging in violation of the Fair Credit Reporting Act, 15 U.S.C. 623 ( a ) ( 5 ). 

I submitted a direct furnisher dispute to Wells Fargo under FCRA 623 explaining this specific inaccuracy and requesting deletion. Wells Fargo responded with a generic verification letter dated XX/XX/XXXX, stating that the information was validated, but failed to address the documented discrepancy or explain how the XX/XX/XXXX delinquency date is accurate. 

This same Wells Fargo tradeline has already been deleted from XXXX  and XXXX due to inaccurate reporting. Wells Fargo is currently the sole furnisher continuing to report this account with incorrect delinquency information. 

As a direct result of Wells Fargos continued inaccurate reporting, I have been denied credit by multiple lenders, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Wells Fargo has failed to conduct a reasonable investigation and continues to furnish inaccurate information, causing ongoing harm to my credit profile. 

I am requesting that Wells Fargo delete this tradeline from all consumer reporting agencies to which it is being furnished.

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 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is a follow up with more details on my atm deposit from XX/XX/XXXX. I searched for better knowledge of the customer behavioral data and uploaded the image data for translation. It shows that I deposited 2 separate transactions of XXXX dollars i will upload the analysis with the data wells fargo sent. It is my understanding that wells fargo uses a 3rd party atm specialist, wells fargo XXXX representatives that have been investigating my claim and denying me my funds have failed to mention they dont know how to read the customer behavioral data therefore they have caused me hardships and financial problems

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 2026-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I'm having issues with Ally auto ever since I started with loan company. I started my contract XX/XX/XXXX when keys was handed to me and I took possession of XXXX XXXX rogue sport from XXXX XXXX XXXX of XXXX. Which since the vehicle before XXXX XXXX XXXX  XXXX  had technical issues which end up having mold and other issues with the vehicle. So, XXXX stated I don't have to pay until XX/XX/XXXX don't worry about it. Than, my issue started every month I pay on Time but ally Auto reported that I started my contract in XXXX with XXXX XXXX rogue sport. When I didn't have the keys to the vehicle on XX/XX/XXXX. XXXX stated that he was going to cancel everything from the last contract and make sure that I'm token care of. I have statements on my old phone and pictures where the XXXX XXXX XXXX  was flooded do to what ever issues it had internal. The mold was making hard to breathe. I, XXXX XXXX just wanted to state that I paid on the XX/XX/XXXX another {$380.00} for an extension which I didn't need but if I didn't put that they would have still shown I owed {$1100.00} when I don't owe that. After the process I notice a couple days later now I owe {$160.00} which I didn't owe anything but they keep adding on more and more money even after I just paid. Either someone is adding this fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I do not know who this is or why they are contacting me. I filed XXXX XXXX in XXXX. They are violating the stay and I am in Bankruptcy until the end of XXXX. See below text message. 

This is Central Portfolio Control, a debt collector. To review offers regarding your account, visit XXXX  using Agency ID : XXXX or call XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. Text STOP to unsubscribe. 

my names I have gone by were XXXX XXXX and/or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These company 's are using my information for monetary gain federal violations under 18 U.S.C 1028 all for economic gain, deception.

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 2026-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I am engaged in arbitration with SOFI due to their failure to honor the terms set within their personal loan contract. I am not making payments while the arbitration is engaged and they have contacted me multiple times for payment. I previously received an email from SOFI stating an important letter was waiting for me on the app, but when I reached out to SOFI no one could direct me to the letter as it clearly did not actually exist. The first letter was sent just before SOFI had to pay the fee for arbitration so logically I thought it was the opening of a dialogue for restitution and resolution outside arbitration. I opened CFPB complaint XXXX due to this issue, but it has yet to be resolved. I am submitting this additional complaint as yet again SOFI has sent me an email claiming there is a letter waiting for me on the app when none exists. SOFI is actively lying to its customers via email communication in an attempt to divert customers to the app to see that they have payments due. While I am not sure of the legality of this practice in normal situations, it strikes me as unethical and likely illegal to attempt to confuse or obfuscate the arbitration and debt collection processes. SOFI, while being the XXXX largest bank in the nation, seems incapable of managing customer who are simultaneously in a debt collection and arbitration process. They fail to update their email communication practices and are dishonest in the content of those messages. Please review the below and act as quickly as possible to ensure the safety of consumers against this lender. Thank you I am formally requesting that the CFPB initiate an investigation into SoFi for engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). SoFi consistently sends urgent automated emails stating an 'important letter ' is waiting in their app, yet no such document exists upon login. 

This practice is a material interference with my ability to navigate an active arbitration case against the institution. By flooding my inbox with false urgent notifications, SoFi is creating a 'dark pattern ' that obscures legitimate legal correspondence, effectively weaponizing technical incompetence to fatigue and mislead me during a high-stakes dispute. This behavior is a direct violation of consumer protection standards and warrants immediate supervisory review. ''

Company response to consumer: Closed with explanation