vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear CFPB, I am submitting this formal dispute regarding inaccurate information on my credit report maintained by XXXX XXXX, and XXXX. I request an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

The issues include : 1. Closed Accounts Reporting Incorrectly : Accounts that are closed, including but not limited to Bank of America and XXXX, are reported inaccurately. 
2. Hard Inquiries : Some inquiries on my report were not authorized or are inaccurate and must be removed. 
3. Full Credit Report Review : I request a complete review and correction of all inaccurate, outdated, or unverifiable information on my credit report. 

I am asserting that the above items are inaccurate and request that the credit bureaus investigate and correct them as required by law. 

Please provide a written response regarding the results of your investigation. I expect all errors, closed account misreporting, and unauthorized inquiries to be corrected or removed. 


Full Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX, XXXX, NY Email : XXXX Thank you for your attention to this matter. 

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 explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one closed my account due to what they believe is fraudulent activity. I deposited a check I received from the company I worked for. It was the XXXX XXXX XXXX withdrawal fund. The XXXX XXXX XXXX fund is a comprehensive retirement program for XXXX employees ( partners ) that combines a 401 ( k ) with company profit-sharing and an Employee Stock Ownership Plan ( ESOP ) XXXX I deposited the check XX/XX/XXXX and currently its still on a hold. I called today, XX/XX/XXXX to get an update about the funds. I was informed that the check will not be available and that my account will be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft. My ex-partner used my personal information without my knowledge or permission to open a credit card account in my name. I did not authorize this account, make any charges on it, or receive any benefits from it. 
This fraudulent account has now been sold or transferred to LVNV Funding LLC, which is reporting an open balance of {$860.00} on my credit report and attempting to collect this debt from me. I only discovered this when reviewing my credit report/when contacted by the collector. 
This is not my debt, and I am not responsible for it. LVNV Funding LLC is attempting to collect a debt that resulted from identity theft. 
I have ( or am in the process of ) filing an identity theft report with the Federal Trade Commission at XXXX and have placed fraud alerts on my credit reports with XXXX XXXX, and XXXX. 
Desired resolution : Immediately cease all collection activity on this account. 
Delete this tradeline/account from my credit reports with all credit reporting agencies. 
Provide written confirmation that the account has been closed as fraudulent and will no longer be reported or pursued. 
Refrain from selling or transferring this alleged debt to any other party. 

I can provide a copy of my FTC Identity Theft Report, police report ( if filed ), or other supporting documentation upon request. 
Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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: FL

Complaint narrative:
In XX/XX/XXXX, I purchased furniture from a retailer using a store credit card issued by Synchrony, totaling approximately {$5800.00}. The purchase included multiple items and a separately purchased warranty covering all furniture. 

After delivery, several items were defective. The retailers own technician documented defects. Despite repeated requests, the retailer failed to repair or replace the items within a reasonable time and refused to honor the warranty. The retailer also refused a full refund and instead attempted to limit the remedy to a partial refund for one item only. 

Additionally, the retailer scheduled a pickup without my consent, misrepresenting it as authorized. 

In XX/XX/XXXX, I filed a billing dispute with Synchrony for defective merchandise and failure to honor the warranty. I submitted documentation including invoices, warranty terms, technician findings, and written correspondence. 

On XX/XX/XXXX, Synchrony denied the dispute and held me responsible for the charges without addressing the defective merchandise, warranty failure, or unauthorized actions by the retailer. 

Today, I sent Synchrony a written request seeking clarification of the dispute decision, the evidence relied upon, and the basis for concluding the dispute was invalid. No response has been received. 

I am filing this complaint because Synchrony failed to properly investigate and resolve a valid billing dispute involving defective goods and breach of warranty.

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 2026-01-03 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: TRUIST FINANCIAL CORPORATION
State: MT

Complaint narrative:
Since XX/XX/year>, I have been compelled to sign a promissory note under the deception that I was given a loan, with no evidence to validate an alleged loan. Does the debt collector claiming to be the Creditor on the contract must show how they came to be a party of interest in the contract? The contract does not show the name of the collection company Sheffield Financial a division of Truist Bank,, anywhere in the agreement. I paid a down payment in the amount of {$10000.00} or more on a consumer credit transaction. Was my down payment fraudulently obtained and extorted from me pursuant to 25 CFR Section 11.417 Extortion? I also made payments of fees on the finance charge that were not disclosed to me, nor approved by me or endorsed by me. I was never given a documented agreement to support these fees. Were the finance charges as the security wrongful established, and would it be securities fraud under Title 18 U.S. Code Section 1348-Securities and commodities fraud? I was also sold a service contract, a gap agreement, and a warranty as a form of coverage and insurance. Was I compelled in this contract to receive unauthorized insurance pursuant to Title 18 U.S. Code Section 1033 ( b ) - Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce?

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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Upstart Holdings, Inc.
State: CO

Complaint narrative:
I. Statement of Complaint I am filing this complaint against Upstart and its partner, XXXX XXXX XXXX, for gross negligence in handling an auto loan payoff and a subsequent total failure of customer support. Their failure to ensure the delivery of a {$20000.00} payoff check to XXXX XXXX XXXX directly caused the wrongful repossession of my vehicle, resulting in {$2800.00} in financial damages and significant physical property damage. I have also filed a complaint with the Colorado XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX of Negligence XX/XX/XXXX : I executed a Promissory Note with Upstart for {$20000.00}. Upstart claimed a payoff check was mailed to XXXX XXXX XXXX on this date. 
XX/XX/XXXX XX/XX/XXXX : For XXXX weeks, Upstart failed to verify if the check was delivered or cashed, despite the high dollar amount. 
XX/XX/XXXX : My vehicle was repossessed by XXXX due to " non-payment. '' Upstarts failure to utilize modern payment methods ( such as a wire transfer ) or to track a five-figure check resulted in this crisis. 
XXXX. Failure to Respond to Emergency ( XX/XX/XXXX ) Upon learning of the repossession on XX/XX/XXXX, I immediately contacted Upstart. 
XX/XX/XXXX : Upstart informed me that Check # XXXX was " reissued '' via standard mail ( XXXX business days ). Despite my urgent warning that my vehicle had already been seized, Upstarts only advice was to " ask XXXX to kindly wait. '' Ignored Management Requests : Between XX/XX/XXXX and XX/XX/XXXX, I made XXXX separate attempts to speak with a XXXX to escalate this emergency : Phone : XX/XX/XXXX and XX/XX/XXXX. 
Email ( Case # XXXX ) : XX/XX/XXXX and XX/XX/XXXX. 
Result : As of today, XX/XX/XXXX, no XXXX from Upstart or XXXX XXXX XXXX has returned my calls or emails. Their silence while my vehicle was being damaged and held at a retrieval facility is a violation of basic consumer lending standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
This is a follow up complaint regarding my auto loan, as the company closed my original complaint with the assurance that my credit report would be accurately updated in XX/XX/year>. That update did not occur, and the company failed to follow through on the expectation it set. 

After my vehicle was declared a total loss, my insurance company paid the lender the full settlement amount, and my deductible was waived by the insurer. Despite this, the lender incorrectly charged me the deductible and left a remaining balance of approximately XXXX XXXX dollars. I repeatedly requested a detailed statement to understand the charge, but XXXX was not provided until nearly a month after the insurance payment was posted. Upon receiving the statement, I paid the remaining balance immediately. 

The account should have been reported as paid in full with an accurate account closure and a complete positive payment history. Instead, my credit report continues to show an outstanding balance and is missing positive payment history for the months I responsibly made on time payments while the loan was active. I have worked diligently as a consumer to maintain a perfect payment record, and this history has not been accurately reflected. 

By failing to update the account as promised in XX/XX/year>, the company has caused ongoing harm. The inaccurate reporting is inflating my debt to income ratio and preventing me from obtaining other loans. This information is incorrect, misleading, and continues to negatively impact my creditworthiness. 

I am requesting that the account be immediately corrected to reflect a XXXX balance, accurate account closure, and a complete and accurate positive payment history, as previously promised.

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 2026-01-02 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Fraudulent charges from XXXX were found on our XX/XX/year> Target XXXX credit card - the day we got the bill we called Target fraud line and we're told it would be handled in XXXX days. It was not. We have been calling every month since then with no luck they've continued to say they're working on it. They've escalated the claim XXXX haven't done anything at all you get someone overseas every single time. This is a lot of money there's charging us finance charges which we've been paying. There is no person responsible for this fraudulent activity and it is very frustrating. We would like these charges removed immediately. Any money we've paid credited back for charges during this time. We stopped the credit card also and had a new card issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: VT

Complaint narrative:
I ordered a model XXXX from Tesla on XX/XX/XXXX due to their $ XXXX XXXX month financing offer. I paid a {$250.00} order fee that day. 

Tesla scheduled my delivery for XX/XX/XXXX and I signed all leasing document and completed payment of additional final payment including a {$1500.00} down payment among other fees associated with the closing and registration. 

XX/XX/XXXX I was notified delivery would be delayed until XX/XX/XXXX. No additional changes were discussed. 

XX/XX/XXXX, I was notified there were additional delays and I was contacted by txt and phone to say delivery would be after the holiday. 

XX/XX/year> I was notified my signed lease agreement was no longer valid, despite no notification within 10 days as stipulated in the lease agreement. The only notification was via a text message this morning at XXXX XXXX 

I kindly ask your help as I am devastated by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Got the XXXX Barclays credit card. 
Registered bank account for my payments. 
I Paid the bill. 
They stopped payment due to thier own error (? ). ( According to them ) Called my bank. My bank heard nothing about the payment. 
Barclay bank said my bank was now blocked because of stopped payment. 
The payment was never stopped because they didn't request the money! 
I called to pay by debit card or any card, directly. 
They don't take debit cards or credit cards for payment. 
They want checking account number. 
I gave them it again. 
Same thing happened as listed above. 
Called Barclay to cancel the card and pay off the card. 
Will not take a card for payment unless payment is XXXX days late. 
Asked them to email me info on how to send a check and cancel and pay off card. 
Said they do not have email and can not send that info. 
This company is a scam! 
Look them up on XXXX! Hundreds of comments saying they do this and they are a scam company. 
Please arrest them all. They are scammers. 
Please help! 
I have great credit and can not pay them because they won't take my payments! 
This will hurt my credit!

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 2026-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: AR

Complaint narrative:
From the very beginning during a life hardship when I got divorced and couldnt afford the full mortgage payment through XXXX XXXX on my own, they was extremely hard to get in contact with about payment arrangements. We would call and have to schedule an appointment to talk to them. They would schedule the appointment and not call us or call us and say they have to reset the appointment and then again not call during the appointment time. Which then led to the house being put in foreclosure. We decided to do a short sale because of not being able to afford the mortgage now that we are so many payments past due. We had multiple offers but XXXX failed to provide the acceptance of the short sale for us to be able to sell the house. XXXX would lose documents for the short sale that we emailed them and claim they never got them but we have the proof in email that they were sent. They would take a week to respond or longer. After multiple extensions on the closing date for the buyer, the day it was supposed to close again, they wouldnt respond yet again so the second buyer dropped. Now we are left with the fear of foreclosure again because we have to get another buyer again before we are able to get a short sale and then take a chance on them not responding to the short sale again. We also are unable to list the house high enough to meet the numbers they need for the short sale or the house would never sell. After the second buyer dropped, we have called XXXX twice trying to get an answer on what we can do. They transfer us to XXXX in XXXX XXXX department and it goes to voicemail, to which he never calls back. So once again, we are getting the run around and not getting any help or answers. I would love to keep the house if the mortgage was lowered but if that isnt ideal then I just need a short sale to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I contacted Chime to report a fraudulent transaction and requested a refund for a Chime Pay payment made for a tattoo service that was never provided. I explained that the recipient misrepresented themselves as a legitimate tattoo XXXX, accepted payment, and then stopped responding. Chime stated they could not refund the transaction because it was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I can not afford to make the payments and when making the minimum payment the loan balance does not decrease any.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX I called Innovative Recovery to ask where I could mail them a letter from my attorney and to formally dispute the debt theyve placed on my credit. The debt in question is {$1000.00} and from me breaking a lease under Texas Property code 92.0563 because the apartment was uninhabitable. I was only given an email address to send the letter to not a physical address. I then explained to them again that I need a physical address to send the letters to, to which the woman on the phone brought up the date on which the debt was given to them on. I replied with Im not sure what relevance that has. I then said again that I need a physical address to mail the letters to and that I would not be paying the debt they allege that I owe unless stated in a court order. She then became immediately defensive saying that Okay Ill tell them you wish to go to court and well leave the debt on your credit and continue to collect until were given a court order saying you dont owe the debt. I then reminded her that continuing to collect on a debt in dispute is against federal law and at that point the call ended. I have since sent them 2 emails. One asking for a place to send the letters to. Then I emailed the email address that I was given and sent the letters to, to see if that would get the ball rolling as it was the email address they provided me. I then also sent the letters to a physical address listed on their website via USPS First Class mail and return receipt requested. They received the letters on XX/XX/XXXX and as of XX/XX/XXXX the debt is still on my reports and not even listed as In Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is currently no availability in Chase 's online portal to request hardship and the offer made available to lower my payment was glitchy and would not accept my typed in information. I am writing to request temporary financial hardship assistance and written guidance regarding my Chase account ( s ). 

I am currently experiencing a short-term financial hardship due to a gap in income while returning to work. I have continued to make payments when I am able, but I am not able to meet the full minimum payment amounts at this time without sacrificing basic necessities. My intent is not to avoid repayment it is to remain in good standing while I stabilize my income. 

At present, my checking account balance is extremely low, and I am incurring recurring account maintenance and fee withdrawals that further reduce my ability to make payments. This creates a compounding cycle that makes recovery more difficult rather than easier.

I am requesting : Written confirmation of any hardship, forbearance, or payment accommodation options available on my account ( s ) ; Consideration for temporary fee waivers or suspension of penalties related to hardship ; Written clarification of how partial payments are being applied and reported. 

I am acting in good faith and proactively communicating to prevent escalation. I am seeking a written response so that I can understand my options clearly and plan responsibly. 

Thank you for your time and consideration.

Company response to consumer: Closed with monetary relief