vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank abruptly closed multiple credit card accounts citing failed payments. This reason is inaccurate. All payments on these accounts were made on time, and I have payment confirmations showing no missed or delinquent payments.

I was not notified in advance, and no specific details have been provided identifying which payment allegedly failed, on which account, or on what date. I am requesting full documentation supporting this decision, including payment history, reason codes, and the adverse action notices for each account.

Additionally, the closures occurred shortly after an authorized user was added. The authorized user was not financially responsible for the accounts and has since been removed. I am requesting clarification as to whether this action contributed to the closures and a reconsideration based on my positive payment history.

I am requesting : 1. Written documentation of the alleged failed payments 2. Copies of all adverse action notices 3. Confirmation that no inaccurate negative information is being reported to the credit bureaus 4. Reconsideration of the account closures based on accurate payment history I appreciate a prompt and thorough review of this matter.

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 2026-02-02 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
CFPB XXXX Synchrony Bank / PayPal ( SYNCB/PPC ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account : SYNCB / PayPal ( Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Complaint Summary I am filing this complaint against Synchrony Bank / PayPal for improper charge-off reporting, failure to comply with IRS reporting requirements, and continued inaccurate credit reporting. 

This account was charged off and sent to collections, yet Synchrony Bank failed to issue a required IRS XXXX XXXX reflecting cancellation of debt. After the account entered charge-off status and collections, I formally requested a XXXX in XX/XX/year>, but none was provided. 

Despite the prior charge-off and collection activity, Synchrony Bank has now charged off the same account again, creating a situation where the same alleged debt appears to be written off multiple times without proper tax reporting. This raises serious concerns regarding double charge-off activity, improper debt handling, and inaccurate reporting. 

Violations and Issues Failure to XXXX IRS XXXX XXXX XXXX IRS XXXX XXXX 26 CFR 1.6050P-1 ), when a creditor cancels or discharges a debt of {$600.00} or more, a XXXX must be issued to the consumer. 
Synchrony Bank has failed to provide a XXXX despite the account being charged off and placed into collections. 

Inconsistent and Misleading XXXX XXXX The account was previously charged off, yet Synchrony Bank is now reporting the account as charged off again, which is factually impossible unless the prior charge-off was reversed or never valid. No such correction or explanation was ever provided. 

Potential Double Reporting / Improper Accounting Reporting a charge-off while failing to issue a XXXX suggests Synchrony Bank may be treating the debt as both : A loss for accounting purposes, and An active collectible balance This is misleading, deceptive, and inconsistent with federal reporting obligations. 

Inaccurate Credit Reporting ( FCRA Violations ) Synchrony Banks actions result in inaccurate and inconsistent reporting to the credit bureaus, violating : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FCRA 623 ( a ) ( 2 ) Duty to correct inaccurate information Harm to Consumer Ongoing credit damage from repeated charge-off reporting Inability to properly report canceled debt to the IRS Increased XXXX and legal uncertainty Emotional distress and financial harm

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 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
On XX/XX/year> I received an email from the credit bureau that my credit went down to an account that was placed on my report from Jefferson capital systems for the amount of {$2100.00} I reached out to the company an asked what was being reported to the credit bureau an he said a XXXX account an I explained to him I never had XXXX an this is not my account an I asked for a debt validation letter an I was hang up on I called back an the same thing happened an Jefferson capital systems place another account on my credit for the same amount now it 2 account from Jefferson capital systems

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am a victim of an organized employment scam and extortion involving my Apple Card ( Goldman Sachs ). Between XX/XX/XXXX and XX/XX/year>, a bad actor manipulated me into processing transactions under false pretenses. 

XXXX. System Failure & Apparent Authority : Goldman Sachs accepted fraudulent payments from the scammer and immediately posted them as " Available Credit '' on my app. I relied on the bank 's own interface, which explicitly confirmed these funds were valid and available, before authorizing any purchases. The bank failed to properly verify these funds before releasing the credit, facilitating the scam. 

XXXX. XXXX & XXXX : On XX/XX/XXXX, when I attempted to stop the scheme, the scammer threatened physical XXXX against me ( " raid his address '' ). Under the law, transactions made under duress are voidable. Goldman Sachs has refused to investigate this extortion element despite my providing evidence of the threats. 

XXXX. Failure to Investigate : I submitted over XXXX pages of evidence, including chat logs of the scammer 's instructions and shipping labels showing items were sent to XXXX XXXX XXXX XXXX  ( a known reshipping fraud address ). The bank denied my dispute with a generic template letter, failing to address the fact that their own app misled me into believing the account was funded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2026-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: PA

Complaint narrative:
My Daughter went into the XXXX  XXXX  back on XX/XX/year>. My daughter was seen by a doctor, being discharged several hours later. Several months later, we got a letter in the mail stating that her insurance didn't cover it and that we owed {$1000.00}. We called the insurance and got everything sorted out between them, as they thought my daughter had dual insurances, which she did not at the time. They were provided all information regarding the fact that my daughter only had one insurance at the time, that she was in the hospital for a valid reason, and that her insurance would cover the debt, but they still continued to attempt to collect on it instead of billing the proper people. We then sent them proof from the other insurance that she was not with stating that she wasn't insured through them. They have now since sent it to collections, which has put a massive negative effect on my credit score. As a future home buyer, this is not good, nor is it appropriate. I have contacted them several dozen times and have been on hold for more hours than I can count. They do not want to sort it out. It bounces from agency to agency and every time it does, it affects my score again and again. I need it solved. I need them to understand what they're doing, and to actually look into it themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I recently just received a settlement from this company in particular Santander XXXX XXXX On a car loan that was never agreed to purchase the vehicle then here I receive a settlement that I was told was due to them in their practices that made a lot of consumers fall into default and which case they should have removed it from my credit report but its show up on my credit report but I cant see it but other lenders do why because I reported it as fraudulent and they removed it but other lender will not approve me because of them and I need them to stop reporting bad debt that was not mines thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: MN

Complaint narrative:
I am filing this complaint regarding Bureaus, XXXX furnishing inaccurate, misleading, and incomplete information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). 

Based on my credit report XXXX XXXX XXXX XXXX is reporting a collection account with ongoing monthly delinquency indicators extending well beyond XXXX XXXX at which the account should have reached a static status. The payment history reflects continuous delinquency rather than a fixed collection or charged-off status, which materially misrepresents the nature of the account and constitutes improper re-aging. 

Additionally, the account does not clearly or accurately report a verifiable Date of First Delinquency ( DOFD ). The credit report shows delinquency markers without identifying the initial delinquency date that led to collection placement, which is required for accurate and complete reporting under the FCRA. 

The manner in which this account is being reported creates the false appearance of ongoing new delinquencies each month rather than a single historical default event. This is misleading to creditors reviewing my report and causes ongoing and unjustified credit damage. 

I disputed this reporting and requested verification of the dates, status, and accuracy of the account. Despite this, XXXX XXXX XXXX has continued to furnish the same inaccurate and incomplete information without providing documentation to substantiate the reported payment history, balance, or delinquency timeline. 

I am requesting CFPB assistance to require XXXX XXXX XXXX to either fully substantiate the accuracy of this reporting with proper documentation or delete the tradeline from all consumer reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I sold my car to XXXX. They sent the payment to Honda Financial Services, but XXXX says they did not receive the total payoff from XXXX. I canceled the gap insurance, and XXXX kept the money that was supposed to be mine because I purchased it on the excuse that they did not receive the entire payoff for the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have spoken with this company many times as they call almost everyday. They tried collecting on an account that I did not open and I tried to figure out how to resolve it. They were unhelpful and harassing almost daily. Now they have added XXXX additional accounts that are identical claiming another account I have never had. I spoke to someone. He had a wrong address and phone number on the account and claimed he'd sent paperwork and never did i filed Identity Theft with ftc and provided them paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
Ive disputed this before and it was took off my credit report as fraud and they sold it to another company and now its back in my credit report as debt I would like for you to stop reporting this debt it is a fraudulent account that I never obtained myself

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/year> I was contacted to buy something I posted online with a local app. With me being unfamiliar with Zelle, I was scammed out of {$500.00}. I reported it to my bank and they put in a ticket to get my money back. Zelle denied it. I also did a police report, but they informed me that they would most likely not find the person and it would be a very long process with going to court numerous times. The scammer pretended they were Zelle support and tried to get me to send more money. 

I contacted Zelle 's actual support a few days later after I received a letter from my bank that Zelle denied my claim to help get my money back.... and they said they could not find anything in their system with my complaint. They said it might be because it was denied and because I did a police report. A company like this should have things to protect their customers from fraud and scam. Banks should find another XXXX party to use to transfer money to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation Request Account Number : XXXX To Whom It XXXX Concern, This letter is sent in response to your communication dated in XX/XX/XXXX, XXXX. Please be advised that I am disputing this alleged debt in its entirety and am requesting validation pursuant to the Fair Debt Collection Practices Act, XXXX XXXX. XXXX. 

At this time, I am requesting that you provide competent evidence that I have a legal obligation to pay the alleged debt. Please provide the following : XXXX. The name and address of the original creditor XXXX. The original account number XXXX. A complete accounting of the alleged debt, including principal, interest, fees, and charges XXXX. A copy of the original signed contract or agreement bearing my signature XXXX. Documentation showing your legal authority to collect, including assignment or purchase agreements XXXX. The date of default and the date of last payment XXXX. Proof that the debt is within the applicable statute of limitations Please note that this request is not an acknowledgment of any debt, nor is it a promise to pay. Until you provide proper validation, you must cease all collection activity, including credit reporting, pursuant to XXXX XXXX. XXXX ( b ). 

If you are unable to provide the requested documentation, you must cease collection efforts immediately and remove any credit reporting associated with this account. 

Failure to comply with this request may constitute violations of the FDCPA and other applicable laws. I reserve all rights and remedies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
There are still {$22000.00} worth of charges made on my former Apple Card that I believe is owed to me by Goldman Sachs. Goldman Sachs and its employees obfuscated, lied about how many times I could open a dispute, left me on hold for hours at a time, sent spoofing calls to my former mobile number, sent fraudulent statements and have twice now not acknowledged receipt of the materials I sent that support my claims, despite that both packages were sent with a confirmation of receipt via certified mail. In addition, XXXX XXXX email accounts were set up on my XXXX account by the individuals responsible for my identity theft. These emails provided them with access to my Apple Card along with a passkey they set up on the XXXX account associated with my XXXX account to which I still don't have access. I was told in XX/XX/year> that I would receive a credit for over {$22000.00} for the charges that were made and the multiple payments I made that Goldman Sachs claimed at that time had not been received. In addition, I sent the initial package of documentation to support my claim to Goldman Sachs in XX/XX/year>. I was told when I followed up that materials such as the police report that was included in the package was not in the package. This is a falsehood. I resent a package of documentation again in XX/XX/year>. Again, receiving no confirmation of receipt as is required by the XXXX for certified mail delivery. I do not believe that Goldman Sachs has done an investigation or has done its legal due diligence to provide thorough and accurate information on the status of my claim or acted according to the law in receiving and confirming mail sent to them, phone calls made to them or the fact that there is proof that an employee of their company participated in my identity theft. 

List of fraudulent email accounts set up by the persons responsible for my identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: DC

Complaint narrative:
Issue : Debt Collection Identity Theft Continued Collection After Credit Block I reported this account as identity theft and submitted a valid FTC Identity Theft Report. Based on this report, the consumer reporting agencies blocked and removed the account pursuant to 15 U.S.C. 1681c-2 ( FCRA 5605B ). On XX/XX/year>, I obtained a credit block of the fraudulent loan taken out under name without my knowledge ( proof of credit block is attached ) Despite the credit block, the company continued collection activity and contacted me by both phone and email on XX/XX/year>, asserting that I still owe the debt.

The company has stated that my identity theft allegation is " false, '' however by law collectors can not override a credit block by opinion.

The company 's post-block contact and continued assertion of liability constitute impermissible collection activity and appear to violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation