vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: T.S. Holdings
State: TX

Complaint narrative:
This account is related to a rental property from XXXX.They will try to say I lived there in XXXX but I was living in XXXX XXXX  during that time. I moved out of the residence early in XXXX and have not lived at or benefited from that property since then. According to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681c ), any rental debt or collection account must be removed from a credit report no later than XXXX   years from the Date of First Delinquency ( DOFD ). 

The DOFD for this account occurred in XXXX, which means the maximum reporting window expired in XXXX. Reporting this account in XXXX is a direct violation of the FCRA and constitutes illegal re-aging of the debt. 

Additionally, the account is inaccurately listed as open, which is factually incorrect and misleading, further violating the FCRA. 

I am demanding the immediate deletion of this account from my credit file. 
If you refuse to remove this obsolete account, please provide : XXXX. The original Date of First Delinquency ( DOFD ) XXXX. Documentation proving legal authorization to report beyond XXXX years XXXX. A complete payment history XXXX. Proof that no re-aging has occurred If this matter is not resolved within XXXX  days, I will file complaints with the FTC, and my State Attorney General for FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDis 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
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit 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: GA

Complaint narrative:
Complaint Summary I am submitting this complaint regarding inaccurate credit reporting and lack of proof of authorization by Synchrony Bank related to my CareCredit account. 

Synchrony continues to report a charged-off balance despite failing to produce evidence that I authorized, participated in, or benefited from the transaction in question. Synchronys reporting relies on internal system records and a merchant-generated invoice rather than consumer authorization. 

A sworn affidavit from XXXX XXXX states that she explicitly informed the merchant ( XXXX XXXX ) that she was not permitted to charge on my CareCredit account. I did not authorize the transaction, did not participate in the transaction, and did not receive or benefit from the medical service. 

Synchrony has not produced : a signed application ( wet or electronic ), proof of electronic assent ( such as IP logs, timestamps, or device data ), a signed transaction authorization or credit slip, or evidence that I benefited from the service. 

Despite this, Synchrony continues negative credit reporting and asserts joint liability based solely on account status, statements sent, and payments made by a third party. 

Additionally, Synchronys response does not explain how the merchant obtained my CareCredit account number or authorization credentials when I did not provide them, was not present, and no physical card was issued. A sworn affidavit states the merchant was explicitly told the account could not be charged. The absence of any explanation for how the account number was accessed raises concerns regarding authorization and reporting accuracy. 

I am concerned that Synchrony is reporting this account inaccurately without having verified consumer authorization or reconciled conflicting evidence. 



What Happened ( Timeline ) The CareCredit account was originally opened years earlier and had been previously paid and unused An unauthorized transaction was processed by the merchant ( XXXX XXXX ) using my account number I did not authorize the transaction, did not participate in the transaction, and did not receive or benefit from the service XXXX XXXX provided a sworn affidavit stating she explicitly informed the merchant that the account could not be charged Synchrony denied fraud claims without producing authorization documentation Synchrony relies on a merchant-generated invoice and internal records rather than consumer authorization Credit bureaus have reported inconsistent and fluctuating account statuses Synchrony continues negative credit reporting without proof of authorization

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 — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
I am submitting a complaint regarding the freezing of my checking and savings accounts by E * TRADE Morgan Stanley, resulting in loss of access to pre-existing funds and potential disruption of incoming payroll.

I have maintained accounts with E * TRADE for over XXXX  years. A legitimate employer-issued check drawn on XXXX XXXX XXXX was deposited into my account and initially cleared. After clearing, the issuing bank initiated a fraud inquiry due to an administrative error by the employers bank administrator, who mistakenly confirmed fraud. The employer and issuing bank later confirmed that the fraud designation was an error and that the check was legitimate. 

Despite this confirmation, E * TRADE froze my checking and savings accounts in their entirety, including funds that were unrelated to the disputed deposit and already present in the accounts prior to the transaction. E * TRADE has stated that no action can be taken while the matter remains under review and has not provided a clear timeline for restoration of access.

As a result, I am currently unable to access my own funds, transfer money, or reliably receive payroll deposits. I am requesting review of E * TRADEs handling of this matter, specifically the continued restriction of access to unrelated funds after the fraud designation was acknowledged as an administrative error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: M1 Holdings Inc.
State: MT

Complaint narrative:
I had an M1 finance credit card. M1 suddenly closed the card- basically in XXXX day with an email. This was last XXXX. 
I recieved a XXXX dollar refund on my card from a prior purchase after they closed it. 
I inquired about this in XXXX. I got multiple emails saying they had sent refund, never got it. They still have not sent me this money. They keep emailing and saying their team is working on it. This is theft

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: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received an unsolicited phone call from Chase Bank in XXXX, FL ( phone # XXXX ) stating that someone had tried to open an account in my name. She gave me the last four of my SSN and said the person was in New York but it appeared that I lived in Tennessee. I agreed. She said she would transfer me to XXXX to work with someone who would take care of my credit. I felt very suspicious. While being " transferred, '' I hung up. She then immediately called me back and " transferred '' me. The next person seemed suspicious to me so I called the number from a different cell phone. The man at " XXXX  '' then asked why I was calling the bank, and I said I thought it was a scam. He then became irritable saying they were trying to help. I then was sure this is a scam and hung up. I am concerned others will be scammed. A XXXX search shows a reach Chase bank and shows the same number. I think maybe the branch closed or they are scamming people from within the branch?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I contacted Aidvantage regarding a single late payment reported on my federal student loan. This late payment occurred during the transition from my grace period into repayment. I misunderstood when repayment officially began and did not realize a payment was due at that time. 

As soon as I realized, I immediately brought the account current and have made every payment on time since. I requested a review and goodwill adjustment to remove this late payment, but Aidvantage responded that they do not process goodwill adjustments. They did not provide a manual or senior-level review. 

This late payment has had a significant negative impact on my credit report and score. I am requesting a senior-level review and consideration for removal of this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Never send to me permanent plates. Call and send text never reply. My car is been in car garage all this time because never get permanent plates. I even pay off already because they give me a high interest this car dealer is not good. And still not getting my plates

Company response to consumer: Untimely response
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On the same day, both my TD Bank debit card and my XXXX XXXX debit card unexpectedly stopped functioning. This disruption occurred without prior notice and appeared to be a system issue. At the time, my XXXX XXXX account reflected a positive balance ; however, I was unable to complete any transactions for approximately XXXX days. 
I contacted TD Bank customer service to report the issue and was informed that there had been a login to my TD Bank account originating from Virginia. I reside in XXXX XXXX XXXX and have not traveled to Virginia. I also rarely access my online banking account, making this activity highly unusual and unauthorized. 
When I later visited a TD Bank branch in person, a bank representative confirmed that my online banking account had been accessed without my authorization. I did not approve or recognize these logins. Based on the timing, location discrepancy, and impact on my debit card access, I believe my account credentials were compromised and that I am the victim of identity theft or unauthorized account access.

Company response to consumer: Closed with explanation
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: CITIBANK, N.A.
State: OR

Complaint narrative:
My Citi/AAdvantage Platinum Select World Elite Mastercard card was closed by Citi bank XXXX XX/XX/XXXX. 

After XXXX months, there was a charge on my closed card ending in XXXX on XX/XX/XXXX. It was {$33.00} for XXXX XXXX XXXX XXXX XXXX - Virtual Account Number XXXX. And there was another XXXX late payment fees for this transaction. First XXXX was on XX/XX/XXXX for {$30.00} and {$0.00}. Second one was on XX/XX/XXXX for {$41.00} and {$1.00}. 

There is no way that new transactions would show up on a closed account. 

I called Citi bank several times about this transaction. And they delay the dispute over and over again.

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 monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I am the legal parent of XXXX XXXX XXXX. I am formally reporting an unauthorized XXXX account opened using my minor childs Social Security number at the First Citizens Bank branch in XXXX, NC. 

The branch has stated that the custodian ( the XXXX grandmother XXXX XXXX ) verbally provided my childs Social Security number but did not present the Social Security card or proof of legal guardianship. This does not meet federal Customer Identification Program ( CIP ) or Know Your Customer ( KYC ) requirements. Verbal disclosure of a minors SSN by a non-guardian does not constitute lawful authorization. 

The branch has further claimed that prior custodianship at another bank constitutes permission for this account. That assertion is incorrect. Custodial authority is account-specific and revocable and does not grant blanket authority to use a minors SSN at another institution.

I did not consent to this account. Despite reporting this in person, the branch manager XXXX and employee XXXX refused to freeze the account, refused to open a fraud or identity-theft complaint, and stated the bank did nothing wrong.

Company response to consumer: Closed with explanation
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: LA

Complaint narrative:
I am filing a complaint regarding PayPals handling of a high-dollar dispute involving PayPal Credit / Pay Monthly for concert tickets purchased through XXXX XXXX in the amount of approximately {$6500.00}. My ultimate goal is to receive a full refund for tickets I no longer have access to. 

I initially filed a dispute with PayPal after the tickets were removed from my XXXX XXXX account during the dispute process, leaving me without access to view, transfer, use, or resell the tickets. 

Throughout the dispute process, I contacted PayPal by phone on multiple occasions to confirm the status of my case and to ensure no additional action or documentation was required on my part. These calls included : XX/XX/XXXX at approximately XXXX XXXX ( XXXX-minute call ) XX/XX/XXXX at approximately XXXX XXXX ( XXXX-minute call ) XX/XX/XXXX at approximately XXXX XXXX ( XXXX-minute call ) XX/XX/XXXX at approximately XXXX XXXX ( XXXX-minute call ) XX/XX/XXXX at approximately XXXX XXXX ( XXXX-minute call ) XX/XX/XXXX at approximately XXXX XXXX ( XXXX-minute call ) During these calls, I relied on verbal guidance from PayPal representatives and was not informed that any required documentation was missing or that failure to submit additional documentation would result in denial of my dispute. 

In addition, PayPal provided written notice stating that if the seller did not respond by XX/XX/XXXX, I would receive a full refund. That deadline was later extended by PayPal to XX/XX/XXXX. The seller still did not respond by the extended deadline. I was repeatedly told that if the seller failed to respond, a full refund would be issued. I have documentation supporting this representation. 

Despite the sellers non-response and PayPals written representations regarding a refund, PayPal denied my dispute on the basis that I allegedly failed to provide requested documentation. PayPal did not clearly notify me of any new or additional documentation requirements after the dispute was reclassified, nor was I given an opportunity to cure any alleged deficiency before the case was closed. 

I continue to be charged payments under PayPal Credit XXXX XXXX XXXX for tickets I do not have access to. After escalation, PayPal reopened the dispute. I am requesting regulatory oversight to ensure the reopened review is handled fairly, transparently, and without further procedural errors, and that a full refund is issued based on the sellers failure to respond and PayPals documented representations.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis 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 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 — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: GA

Complaint narrative:
last updated on XX/XX/year> Discover Bank charged off XXXX, and did not send me a XXXX

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: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  I am in receipt of your XX/XX/year> correspondence regarding my CFPB complaint related to the alleged XXXX XXXX ( XXXX ) account. 

This letter serves as a formal rebuttal to your response. 

At the outset, your position is fundamentally deficient because OneMain has not provided a single piece of competent evidence substantiating the existence, use, or legitimacy of this alleged account. Despite your conclusory assertion that a full review was conducted, you have failed to produce any of the following : Itemized transaction histories Monthly billing statements Payment history or account statements Signed applications or electronic authorization records IP address logs, device data, or identity verification artifacts Proof of delivery, usage, or benefit received by me Absent such documentation, your determination is purely assumptive and unsupported. 

You state that the account was determined to be valid and not the result of fraud, yet that conclusion is contradicted by the record. I timely provided a police report and government-issued identification, triggering your obligation to conduct a reasonable investigation based on actual evidence, not internal belief or inference. Simply asserting validity without documentary support does not meet that standard. 

Moreover, your failure to provide transactional proof or billing records prevents me from meaningfully assessing or disputing the alleged debt and strongly suggests that no such evidence exists. Reliance on internal summaries or prior correspondencewithout producing underlying recordsdoes not constitute substantiation. 

To be clear : I deny opening, authorizing, or using this account. 

I deny responsibility for any alleged charges or balances. 

I deny that your investigation satisfies federal consumer protection standards. 

If OneMain continues to report or validate this account without producing documentary proof, such conduct may be construed as willful or negligent noncompliance, including continued reporting of unverified information. 

Accordingly, I again demand that OneMain either : Produce complete documentary evidence substantiating the account and all alleged transactions ; or Cease reporting and request deletion of this account from all consumer reporting agencies. 

Please govern yourselves accordingly. This correspondence is made in good faith but with full reservation of all rights and remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In XX/XX/year> I received an email from my employer that this company was going to garnish my wages. They had not contacted me personally. The address they had on file I have not lived there for over XXXX years. I was embarrassed and the debtis my ex husbands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
I seen on my credit report that something was owed from conns home furniture, so I called to check in with the issue. Per conversation with conns I was told that I owed for the fridge which was very confusing but I remember going in and paying off in full like the previous times. The associate and my self went through the dates and they realized the bill was paid for, but the damage was already in process due to them selling the account to Jefferson capital llc. Which then they sold to XXXX XXXX which sold to law firm whom slandering my name which cause my credit on one of the three credits bureau to affected damaged lower/ ruin. Now with the mistake they made had me disqualified from getting approved for the home I wanted for my family and parents.

Company response to consumer: Closed with explanation