vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Date XX/XX/XXXX charged XXXX I discovered this on XX/XX/XXXX and called synchrony bank credit card today XX/XX/XXXX. Issue was not resolved See below and the attachment file I am submitting a complaint regarding deferred interest charges applied to my Synchrony Bank account following the expiration of a promotional financing period. While the terms of deferred interest were disclosed, my account was enrolled in automatic payments that only covered the minimum amount due. The autopay system did not provide any mechanism to ensure the promotional balance would be paid in full or to provide a clear, actionable warning prior to the expiration date. As a result, despite making consistent on-time payments through autopay, I incurred $ XXXX deferred interest. I have paid the full balance XXXX today, including these charges. This structure creates a predictable risk where customers acting responsibly can still incur substantial retroactive interest. I am requesting a review of this matter and consideration of a partial refund of the deferred interest as a goodwill adjustment.

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 2026-04-13 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am filing a complaint regarding Target /TD Bank credit account. ( reference # XXXX ) I reported fraudulent charges on this account in XXXX and later completed and returned the requested fraud questionaire. The creditor claims the questionaire was received late, but they had already been notified of fraud. Despite this, the account was sent to collections and continues to accrue interest. I am being pursued for a debt resulting from fraud that was reported to the creditor. I am requesting the account be immediately recalled from collections, the fraud claim be properly reviewed, all related charges and interest be removed, reimbursed for automatic payment of {$100.00} being paid to fraudulent charges on my account and negative credit reporting be corrected. Today is 90 days since the dispute was filed on XX/XX/XXXX. XXXX XXXX Target credit card is stolen without my knowledge and fraudulent charges made. XX/XX/XXXX, XXXX- Call Target card services to dispute fraudulent charges. XX/XX/XXXX, XXXX Call Target card services. XX/XX/XXXX - Received a collection notice from XXXX XXXX in the mail about paying the balance on the Target credit card. XXXX Called Target card services to receive an update. The claim is still in process despite it being 90 days to complete this claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC and Resurgent Capital Services in relation to a reinserted tradeline on my credit report. This account was previously removed from my credit report after a dispute. It was later reinserted without me receiving any required notice of reinsertion as required under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). I was not informed within 5 days that the previously deleted account had been re-added, nor was I provided any explanation of the reinvestigation process that led to its reappearance. Additionally, the furnisher has failed to provide sufficient documentation verifying compliance with federal reporting requirements. The response I received consists of generic account summaries and statements, but does not include competent evidence of a full chain of title, assignment history, or specific proof that the account information has been properly verified as accurate and belongs to me. The furnishers response asserts that the account is being reported accurately ; however, no documentation has been provided that demonstrates a lawful and verifiable method of reinsertion or validation consistent with FCRA requirements. Because this account was previously deleted and later reinserted without proper notice and without adequate verification, I believe this reporting is inaccurate and not compliant with the FCRA. I am requesting : XXXX. Immediate deletion of this tradeline from all credit bureaus due to failure to comply with reinsertion notice requirements and inadequate verification XXXX. Documentation showing the exact date and method any reinsertion notice was sent to me XXXX. Full chain of title and assignment history proving LVNV Funding LLCs legal ownership of the account XXXX. Documentation of the reinvestigation process used to verify this account as accurate prior to re-reporting I am also requesting confirmation that all credit bureaus have been properly notified of any corrections made as a result of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There was an account opened from chase the account report and my credit went down I try to call chase they told me they can't find the account they did not report to credit bureau I already have a account with chase I'm aware of I have chase for the past XXXX year I never requested another credit card they can't help me I would like them to fixed my account and report the right amount

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XX/XX/year> approximately XXXXXXXX XXXX XXXX notified that my credit profile got a XXXX because my " debt increased ''. I reviewed it, it was from Santander Bank which my auto loan is through. I called to find out why the agent wanted to review the file. The last time I had an issue, they were telling me that my " gap insurance was cancelled '' which I also did not consent to, nor was I notified that such a thing could happen unless I cancelled it myself. Which I did not. I typically do not contact this lender as my loan has always been on auto pay from my savings and has always been on time for payments. The issue in XXXX was resolved. or so I had thought because then this appears today. Them adding fees or money onto my balance which I believe the term that is used is called Payment Packing and is considered illegal due to the Truth In Lending Act. This needs to be reversed as I did not consent to this nor was I notified prior to this addition of {$1400.00} onto my auto loan by Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The unrelenting and unauthorized contact ... has caused severe and documented strain on the marital relationship between the Borrowers. The harassment has escalated to XXXX XXXX of creating discord within the household, compounding the financial harm already caused by Truist 's servicing failures.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I am requesting validation of an alleged account being reported or collected by I.C. System, Inc., as I have concerns regarding the accuracy, legitimacy, and proper verification of this debt. After reviewing my financial records, I have not found sufficient documentation that clearly establishes my responsibility for this account. I have not received a signed agreement, detailed account statements, or a complete payment history that would allow me to verify the origin of the debt or how the reported balance was calculated. As a third-party collection agency, I.C. System is required to maintain accurate records and be able to substantiate the debt it is attempting to collect. However, I have not been provided with any documentation demonstrating the chain of assignment from the original creditor, nor proof that I.C. System has the legal authority to collect or report this account. This lack of documentation raises serious concerns about whether this account has been properly verified before being reported. Additionally, I am concerned that this account may be the result of inaccurate reporting, mixed file issues, or even a data breach, where my personal information may have been used or associated with an account that does not belong to me. Without proper validation, I can not confirm the legitimacy of this debt. Under 15 U.S.C. 1692g ( b ), I am formally requesting full validation of this debt. Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a thorough and good-faith investigation when disputes are raised, and under 15 U.S.C. 1681e ( b ), only accurate and verifiable information should be reported. The continued reporting of this account without proper documentation raises concerns about compliance with these legal requirements.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: WI

Complaint narrative:
On the morning of XX/XX/year> my device ( cellphone ) was stolen and the perpetrator then gained access to my personal Cashapp account. The perpetrator then illegally transferred my funds totaling {$530.00} dollars out of my Cashapp account and into their own personal Cashapp account! After my device was stolen I went to my local police station to report my device being stolen and my funds illegally electronically being stolen from account! As a result, I had to purchase new cellphone device. The same day my device was stolen on XX/XX/year>, I did contact Cashapp customer service to report my funds being stolen and illegally transferred out of my account without my consent due to my device being stolen! I followed up with Cashapp 's department who handles fraud etc., and submitted my document proof via email that included my police report and new phone purchase receipt per Cashapp 's company 's policy for their fraud department. Cashapp has NOT issued me my refund from this incident and has refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: NH

Complaint narrative:
OK. I charged {$41.00} on my Citibank credit card online for two movie tickets from XXXX XXXX XXXX on XX/XX/year>. I later noticed that two additional charges of {$45.00} were fraudulently made on my account on the same day. I disputed the charges that week with Citibank. They gave me a conditional credit of {$91.00} pending their investigation. The next month they reversed the conditional credits after contacting the merchant. When they reversed the charges, I immediately engaged and informed them that those charges were not made by me. They include two charges for XXXX tickets each and some misc Concession charges. Citibank informed me to send an email to their fraud department and inform them of the conditions of the charges which I did. I heard nothing back from their fraud department after sending my letter. Yesterday, my most recent statement arrived with the two fraudulent charges still listed. I called again today and was informed that my XXXX day window for responding to their letter had expired. I never received a letter from the fraud dept except for the first notice where they had reversed the charges. The fact remains that I disputed the original charges within XXXX days. They also informed me that the {$50.00} liability per the FCBA for fraudulent charges did not apply because I had used the same card for purchases with them on the same day. I only disputed {$91.00}. Citibank 's response was that there was nothing they could do because the dispute period had expired and that I was responsible for all charges even the {$50.00} limit that I indicated. Citibank is a national company and disputed charges before without issue. Please help me resolve this fraud case with Citbank.

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 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I lived at an apartment. When I moved out, the apartment asked for specific things, including the keys, mail keys, key fobs, and pool passes. There was never a move-out inspection. However the apartment listed specifically several things they are charging for. The largest XXXX, though, is a vague term damages. The apartment will not provide what that means and says to talk to the collections company and the collection company is saying I should have scheduled a move out inspection with the apartment that the apartment did not request. Damages is insufficient to understand what was paid for and impossible to dispute. This portion of the debt is over {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I need to report these XXXX Cash App users who is doing scam and fraudulent wont send their customer their orders or do their service cash app is $ XXXX and other cash app tag is XXXX XXXX for both cashapp tags need be investigated and punishment and accounts closed and relationship termination and ended XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I was paying XXXX for a debt consolidation. They were not applying anything towards my student loans. My student loans nearly doubled. Upon requesting any information they would avoid answering my questions and or sending me documentation. My loans were then reported on my credit report. XXXX has since gone under. And I have no way of getting the information that I have needed for over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In late XX/XX/year>, I was charged twice for the same rent payment through XXXX XXXX. The duplicate charges appeared on XX/XX/XXXX and XX/XX/year>, each for {$4300.00}, during the period when Wells Fargo was ending its partnership with XXXX XXXX and accounts were being migrated to a new system. Due to the transition confusion, both charges appeared legitimate and I automatically paid both from my central bank ( XXXX ). I contacted both Wells Fargo and XXXX XXXX to resolve the duplicate. Each institution directed me to the other, and neither could provide clear transaction records proving these were XXXX separate legitimate rent payments. I requested transaction IDs for both charges, a full payment ledger, and merchant settlement records from both companies. Neither provided satisfactory documentation. Both just claimed they had XXXX charge that I owed ( The Wells Fargo XXXX, and the XXXX charge both for the same amount which would show up as XXXX charges on my XXXX checking where I pay all bills from ). I then filed a dispute through my bank ( XXXX ) for the duplicate charge. My bank processed the dispute and issued a credit, ruling in my favor. Weeks later, Wells Fargo reversed the dispute through a representment and re-posted the original charge to my account. My bank subsequently reversed their credit after the representment. I now have money from this charge pulled out of my account for a duplicate rent payment that was already investigated and to the best of my knowledge ruled in my favor. I have a Wells Fargo case number on file. When I called Wells Fargo to challenge the representment, they could not provide documentation proving the XXXX charges were separate legitimate transactions. When I asked for an extension to allow my bank 's investigation to complete, no resolution was offered. I have now paid {$4300.00} twice for a XXXX month 's rent, been bounced between XXXX financial institutions for weeks, and can not get a straight answer from any party as to why a confirmed duplicate charge was re-posted after a successful dispute. If this is helpful, my IDs related to this are : Wells Fargo case number : XXXX, Wells Fargo reference number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTis falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYST is 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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is 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 2026-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX I put in a fraud claim on XXXX of my checking accounts which a Wells Fargo impersonator used to get XXXXXXXX XXXX from me. I am currently XXXX and have no access to any of my XXXXXXXX XXXX while I am in XXXX XXXX, so when the impersonator called, especially with all thats already going on it seemed real, XXXX more worried about staying alive than whether a person on the other end of the phone is the real Wells Fargo. When the investigation into the claim was finished with, today XX/XX/XXXX, at XXXX ( XXXX XXXX XXXX ) they told me they are not going to reimburse me and that what the impersonator did doesnt count as fraud but XXXX almost 100 % sure that an impersonator is a form of fraud. And it would be ridiculous to not give me back my XXXX dollars. For an FDIC insured business this is bad practice and after I get my money back I will most certainly be switching banks

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 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Defendant Fifth Third, ( servicer ) has been ineffective and incompetent during the time of XX/XX/year> to Present time by the use of delay tactics and deceitful banking practices and intentional negligence by not addressing the Plaintiffs issues, in order to charge the XXXX more unnecessary fees and costs that keeps extending the mortgage pay-off amount by transferring the issues or problems between XXXX departments the personal loan dept. agent ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
All payments for the vehicle I sent by money order with or by certified mail the company ( BridgeCrest ) claims to not have received it, I resent the proof to them, it appears that they have received half of it since the money orders were sent divided for the whole amount but they are not able to find in their own system the other money order, but there are no missing payments they have received full payment it seems like they are claiming conveniently to be ignorant of this fact in order for benefits that may come out of repossessing a vehicle... Continual attempts to reach the supervisor or one who claimed to be a supervisor ( XXXX ) has been unsuccessful....

Company response to consumer: Closed with explanation