vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint regarding a recent and unexplained reduction of my credit limit by my credit card issuer, which has had a direct and negative impact on my credit profile. 

My account has been consistently maintained in good standing, with no late payments, no delinquencies, and a history of responsible use. Despite this, my credit limit was reduced without a clear, sufficient, or timely explanation. I did not receive an adequate adverse action notice identifying the specific reasons for this reduction or the information relied upon to make this decision. 

As a result of this unilateral action, my credit utilization ratio increased significantly, which caused a measurable decline in my credit score. This negative impact occurred through no fault of my own and does not accurately reflect my creditworthiness or payment history. 

I am requesting that the CFPB review whether the creditor complied with its obligations under applicable consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ), particularly with respect to notice requirements and the use of credit report information in adverse actions. 

I am seeking the following resolution : A full explanation of the factors that led to the credit limit reduction Confirmation that all required notices were properly issued Reinstatement of my previous credit limit or an equivalent corrective action Correction of any negative credit reporting that resulted from this action I appreciate the XXXX assistance in ensuring fair and transparent treatment by credit card issuers and request that this matter be formally reviewed. 

Thank you for your time and attention.

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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was instructed by Citibank that its takes XXXX days for them to close the account after which they send the remaining funds in the account via a check. I waited that given time and a little bit over a week ago when I called to inquire when I would receive my funds I was told that a check was mailed and was given a tracking number but that was in XXXX. I was never notified and the tracking information on the XXXX site was vague. It did not say that it was delivered to my address. I shared that I never received a cheque and requested a new cheque at my exact current address. I was told that they would put a stop payment on the old issued cheque and reissue a new one. Since then it has already been almost XXXX weeks and I have not received any new information about when I can get my money. I had shared that I am currently jobless and that money is very vital to my survival as it would help me stay afloat. I really want them expedite whatever slow process they have so I can get my funds back.

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 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Grow Credit Inc
State: IL

Complaint narrative:
I have reached out to the GrowCredit Inc. because this account is on my credit report and i never opened up this account. I have sent them FTC report. please have them remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I submitted payment for the full past-due amount on the stated due date. The payment was accepted and posted. Despite curing the delinquency before the account reached XXXX  days past due, the creditor reported the account as late. 

This creditor has a history of reporting issues and poor dispute handling. I am requesting correction of the inaccurate late payment reporting and confirmation that the account was never XXXX  days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In or around XXXX after having a checking account with Wells Fargo. My XXXX check goes in. After having them almost a year they closed my account after I was told I would get a XXXX $ for opening up a checking account. I had too open another account with them. I had too wait 6 days too get my XXXX check

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 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have tried to contact SYNCHRONY BANK several times about inquiries sitting on my credit report which I did not authorize nor initiate and filed disputes and the company refuses to remove it. I did not apply for a bank nor credit card with this company and they have an inquiry sitting on my credit reports XXXX credit report on XX/XX/XXXX for an XXXX card and one on my transunion report on XX/XX/XXXX for XXXX synchrony card. I am a victim of identity theft and have contact several banks about this already and this is the only one who has yet to remove the inquiries from my credit report. 
This is causing financial harm and distress. 
I have spoken with my husbands military legal lead and have been advised we will take legal action should this information not be removed.

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 2026-01-14 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: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I received a letter dated : XXXX in reference to an alleged balance owed of {$8700.00}. I have no idea what this is nor who Sunrise Credit Services is. I have never agreed to do any business with this company. I do not recall signing any documents related to this balance nor agreed on any repayment.

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 2026-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received a letter from XXXX XXXX about a debt they said that I owed. It said to respond to them by XX/XX/XXXX to stop collections on the debt to verify it. I emailed them on XX/XX/XXXX and I sent the same letter to them via USPS on XX/XX/XXXX, which was before XX/XX/XXXX requesting that they send me information to verify this debt was mine and to stop collections on it and till I receive this information. They added it to my credit report anyway, and I called them on XX/XX/XXXX and asked them why when I have never received anything from them verify that this XXXX belongs to me. They proceeded to tell me that they follow the legal terms and they are in the process of auditing my account and requesting the information to determine that is my debt so I asked them if they have not obtain that information. Why did they add it to my credit? I asked for a supervisor and he basically told me that they still could collect on the debt and I needed to contact my insurance company and the provider about the debt even though I asked them Why did they add this to my credit report and did not follow the proper laws regarding the debt? They never sent me anything to verify that This was my debt so they did not follow proper procedures. 
Again, I responded in a timely manner to stop collections and ask for them to verify this debt was mine. They did not do that and still proceeded to add this to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am submitting this complaint regarding PayPals handling of a buyer protection dispute involving clear product misrepresentation and unreasonable refund conditions. 

I made a purchase totaling {$64.00} through a merchant named XXXX XXXX XXXX XXXX XXXX XXXX, using PayPal. The product was advertised as a set of mercury glass XXXX treessubstantial decorative glass items. What I actually received were small plastic trees. This represents a fundamental difference in material, quality, and value and constitutes false advertising and misrepresentation. 

I provided PayPal with clear evidence, including screenshots of the advertisement, photographs of the items received, and written communication from the seller. The seller acknowledged the issue by offering a partial refund, which I declined. 

PayPal ultimately approved a refund but conditioned it on my returning the items internationally to XXXX at my own expense. This requirement was not disclosed at the time of purchase, and the cost of international shipping is unreasonable and disproportionate to the transaction value. As a result, I would be required to spend additional money to correct a sellers misrepresentation. 

I believe this outcome undermines the purpose of PayPal Buyer Protection. In cases of clear misrepresentation, requiring buyers to pay international return shipping places the financial burden of fraud or false advertising on the consumer and enables overseas sellers to avoid accountability by relying on prohibitive return costs. 

I am requesting that the CFPB review PayPals dispute resolution practices in cases involving misrepresentation and international sellers, as this handling discourages consumers from seeking protection and does not reflect fair or reasonable consumer treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
On XX/XX/XXXX I opened a checking account at first horizon bank with a check from XXXX  for XXXX because it was a new account they said there was gon na be a hold on the funds till the XXXX. Which I was ok with that. On XX/XX/XXXX I did a mobile deposit for XXXX from my phone. After making the deposit it said it would be in my account in XXXX business days. The XXXX makes XXXX  days they now tell me after I call and find out why it's not in my account but it has posted and says credited they then tell me that this now is gon na be held till the XXXX. No where in the bank policy 's or deposit information does it say that they can hold my deposit for XXXX business days. I then get an email from them saying that it will be available no later than 5 days after the deposit. Well the branch manager calls me and processes to tell me that it's up to her to make that decision and she was not letting me have my money until the XXXX even though the checks have been verified. I have told them that I got an email that said different and she asked me to send it to her because she was going to tell her superior that she is not lifting the hold until the XXXX. I've told her that not only did they not tell me that nor did it say that when I deposited it but they have every dime of my money I can't buy groceries I can't pay my bills I can't do anything until the XXXX. I then told her that I was going to close my account and she said I can't do that because I need a physical ID but yet they allowed me to open my account with my XXXX XXXXXXXX XXXX id. So if I opened my account with that why is it she will not allow me to cash my check and now I can't close my account and get my money. It is not her money nor the banks money to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed an online fraud claim for XXXX that where sent from my account beginning XXXX to two specific individuals Ive never sent money to before. I had no knowledge of these transactions totaling XXXX. I submitted a fraud claim and it was denied XX/XX/year> stating the transactions were made by me or done one authorized by me. They didnt explain what they did to investigate or gave any real explanation as to why they got that outcome. I need assistance as these are fraud charges and need help getting my money back.

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 2026-01-14 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: Chime Financial Inc
State: AR

Complaint narrative:
My credit card was stolen and XXXX charges totaling {$480.00} was made without my knowledge or consent. I am writing this complaint because I have had issues with Chime bank, and I would like my dispute to be treated fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Several items were purchased from the company. The first items were invoiced and billed and paid for. The second item that was purchased and was never invoiced or a bill sent or provided online. After several requests an email was finally received on XX/XX/year> stating that the item was {$370.00} with a due date of XX/XX/year>. Within XXXX hours on XX/XX/year> an online payment for {$370.00} was completed. A confirming email was received stating that the payment would not be credited until XX/XX/year>. On XX/XX/year> an email was received confirming the payment was credited. 

Now the scan starts, on XX/XX/year> a text message was received stating that a late fee of {$30.00} was due and to only sent it thru the phone. My virus software indicated that this text was unsafe to open. Numerous attempts directly to the company were not successful. Now the late fee is {$140.00} The company blocked access to my account. Then reported the fraudulence late fees for collection and credit bureaus and cost on a new lease over {$5000.00} because my credit went from XXXX to XXXX. I have seen this before adding false late charges to customers. A complete investigation of their business practices is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I've called the collection company indicating I wanted to resolve this matter. I asked if I could please make a payment plan. The lady i spoke to was unwilling to work with me and they are demanding payment in full otherwise they will take me to court and garnish my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo response was they same. They seen no problem. There is no proof that this signing took place. Wells Fargo has collected {$65000.00} if overpayment .For this property due to this no cash out loan. They will not terminate the loan balance of {$120.00} XXXX. Leaving no funds for emergency or home improvement.The owners didn't receive or distributed any of this {$190000.00} of this loan. The lenders created and dispersed these funds.

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 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: LA

Complaint narrative:
Around XX/XX/year> I was submitted my XXXX application, no smooth transition as had been done for the past decade, with an expected repayment of ~ {$140.00} per month. The application was held for XXXX  months before I was told to reapply and start over again. I resubmitted my IDR application around XX/XX/year> with instant access to my IRS XXXX XXXX for faster processing. Since then, Mohela has held my IDR application in processing for over 8 months, no progress or explanation, and while I'm supposed to be in administrative forbearance during processing, they are now demanding I make a payment at the standard rate of $ XXXX per month ( a life ruining amount ). Despite numerous phone calls and countless emails, Mohela is unhelpful and just says " shut up and wait, we promise we won't charge you '', send conflicting documents, and now they're charging me anyway. They're also were adding interest to my loan during forbearance. I live in fear they will just reject my application for no good reason after all this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: GA

Complaint narrative:
I am disputing XXXX XXXX late payment notations being reported by VW Credit , Inc. on my auto account ( Account No. XXXX ) for XX/XX/year> and XX/XX/year>. 

I timely disputed these late payments directly with VW Credit and requested verification. To date, VW Credit has not provided billing statements, a complete payment history, proof of due dates or grace periods, or any delinquency notices supporting the reported late payments. 

Under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), a furnisher may not continue reporting information that is inaccurate or can not be verified through a reasonable investigation. Continuing to report these late payments without producing supporting documentation fails to meet the accuracy and investigation requirements of the Fair Credit Reporting Act. 

I am requesting that VW Credit either provide full documentary verification supporting the alleged late payments or remove the XXXX and XX/XX/year> late payment notations from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I obtained a personal loa to purchase jewelry I received was extremely poor quality and not as advertised. The loan carried very high interest and fees, which I believe were predatory. I have not received a refund or adjustment from the company. I am disputing this debt and request that it be removed from my credit report because it was incurred under misleading and unfair terms.

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 2026-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am extremely frustrated that my Capital One debit card is now on the XXXX network instead of XXXX. 

This change has created real, ongoing problems. XXXX is not accepted at many physical merchants, online platforms, and payment services that previously worked without issue. I am now regularly unable to complete purchases that were never a problem before. This has made my everyday banking more difficult and unreliable. 

I chose Capital One specifically because it offered broad acceptance through XXXX. Being forced onto the XXXX network significantly reduces where and how I can use my own money. My family and friends have experienced the same limitations with XXXX, which only reinforces how restrictive this network is. 

I do not want to switch banks, but I am now seriously considering it solely to regain access to a XXXX or XXXX debit card. Please record this as formal feedback and escalate it appropriately. This change has materially worsened my experience as a customer. 

I strongly urge Capital One to reconsider this decision and restore XXXX ( or XXXX ) as a debit card option for customers who need broader merchant acceptance.

Company response to consumer: Closed with explanation