vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have a XXXX XXXX XXXX which offers no interest on purchases if paid in full in XXXX months. I have XXXX situations where XXXX XXXX received merchant credits on XX/XX/XXXX and on XX/XX/XXXX from XXXX XXXX, but XXXX XXXX did not apply the credits to the appropriate transactions. I have been trying to resolve with XXXX XXXX for the past XXXX days but the matter has not been resolved. On XX/XX/XXXX, I made an XXXX XXXX purchase of {$45.00} which the special no interest promo expires on XX/XX/XXXX. I returned the merchandise and XXXX XXXX received the merchant credit of {$45.00} on XX/XX/XXXX. However, as of today ( XX/XX/XXXX ) the credit hasn't been applied to the original purchase transaction and my account still shows that I owe {$45.00}. I have spoke to XXXX customer service representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time they advised that they have submitted a request for their internal team to process. They also advised that it would take XXXX to XXXX billing cycles to reflect on my statement. The agent I spoke with on XX/XX/XXXX advised the refund adjustment is completed immediately and I should see online but that didn't happen. When I called back on XX/XX/XXXX, that agent advised a new submission was sent to their back office for processing and I should check online within XXXX hours, and that didn't happen either. The second issue was a partial credit of {$46.00} that XXXX XXXX received on XX/XX/XXXX and it was supposed to be applied to the purchase date XX/XX/XXXX transaction, the purchase amount was {$180.00}, of which the special XXXX interest promo expires on XX/XX/XXXX, so my statement should reflect the adjusted new balance of {$130.00}. However, my statement still shows that I owe the original balance of {$180.00}. I spoke to XXXX agents on XX/XX/XXXX and XX/XX/XXXX, and I received the same talking points that they have submitted a request to their internal team for processing. When I asked for a ticket or reference #, they advised that they don't have the information. Here is a quote from XXXX XXXX statement regarding " Credits To Your Account : '' An amount shown in parentheses or preceded by a minus ( - ) sign is a credit or credit balance unless otherwise indicated. Credits will be applied to your previous balance immediately upon receipt, but will not satisfy any required payment that may be due. ''

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received an initial pre-legal notice from Midland Credit Management , Inc. alleging a balance of {$4000.00} on the above-referenced account and indicating possible referral to an attorney in the State of Georgia for litigation. In response, I timely submitted a written debt validation request disputing the debt and requesting documentation pursuant to the FDCPA, including : Proof of my legal obligation for the debt A complete payment history An itemized breakdown of the balance Documentation of the date of first delinquency Proof of Midlands legal authority to collect ( chain of assignment ) Midland responded by providing : A single billing statement A summary of account information ( balance, dates, and creditor details ) A purported notice of account transfer allegedly sent to a prior/incorrect address that I did not receive Instructions to access additional documents through an online account I did not create or authorize Midland did not provide the specific documentation requested, including a complete payment history, itemized breakdown of the balance, or sufficient proof of ownership/authority to collect. I sent a follow-up written notice advising that their response was incomplete, reiterating my dispute, rejecting the requirement to access an online account, and requesting proper validation in writing. Despite this, Midland continued collection efforts and sent an additional pre-legal notice indicating potential attorney review and litigation, without providing the requested validation. Issue : Failure to provide adequate validation of the debt after a formal dispute Continued collection activity and legal threats while the account remains disputed Reliance on alleged notices sent to an incorrect or outdated address Attempt to require access to an unauthorized online account to obtain documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I am submitting this complaint against Citizens Bank regarding the improper handling of fraud and dispute claims on my account, which resulted in both financial and reputational harm. I promptly reported unauthorized and/or disputed transactions and fully cooperated with all requests for information. Despite this, the bank failed to conduct a reasonable and timely investigation as required under the Electronic Fund Transfer Act and Regulation E. Instead, my claims were initially denied or closed based on insufficient or flawed reasoning, including attributing the transactions to me without adequate supporting evidence. I was effectively treated as responsible for fraudulent activity, despite being the victim. Only after continued escalation did the bank ultimately reverse its position and issue reimbursement via check. While I acknowledge receipt of those funds, this outcome does not excuse the banks prior failures, including : Failure to conduct a proper and timely investigation Improper denial of legitimate fraud claims Lack of transparency in decision-making Inconsistent conclusions regarding liability Resulting negative impact on my banking relationship, including loss of access and potential account restrictions As a result, I was penalized for being the victim of fraud, which is both unjust and contrary to the protections afforded to consumers under federal law. This experience has significantly undermined my trust in the institution and required unnecessary time, escalation, and stress to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened the account through my dentists office and was not clearly informed that this was a deferred interest promotion or that failing to pay the balance in full by the deadline would trigger retroactive interest on the full promotional amount. My original promotional balance was {$1000.00}. I paid it down to {$350.00} before the expiration date, but on XX/XX/year>, {$410.00} in interest was added, bringing the balance to about {$620.00}. I made consistent payments before and after and was very close to paying it off. I requested a goodwill adjustment or partial removal of the retroactive interest.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I have XXXX XXXX ( checking ) and money market account-this Bank had given me trouble from day one - always. On XX/XX/XXXX XXXX XXXX-sent an email I called and I was told : Min balance for money market account is {$1000.00} and XXXX is {$2500.00}. I don't have to have XXXX account to have the money market account. Thus I am closing the gold account. Already initiated the transfer. Once the transfer is done- please close the XXXX account. But this adamant XXXX XXXX responded on XX/XX/XXXX XXXX XXXX did nothing Later CSR XXXX is giving me hard time to close this account by stating " From : CSR Sent : XX/XX/XXXX XXXX XXXX I am sorry for the frustration. I do not show additional information about closing the XXXX Account. For additional information on the promotions please contact your local XXXX XXXX branch. To request the closure of the account ( s ), you can call the number below, visit the local branch or mail a letter requesting the account ( s ) to be closed. The letter needs to be notarized and should contain all of the following : Account number ( s ) to be closed. Statement that any debit or ATM cards linked to the account have been destroyed. Mailing address and phone number. Signature of an account signer. Mail the notarized letter to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please allow 7-10 days for mail time and processing. Please also keep in mind that a debit or credit to the account within 60 days can reopen the account, so to avoid that, please contact anyone who may have the account number to make alternate arrangements. Please download and save the online transactions and eStatements for future use. Once the account is fully closed, it will no longer be available. Please let me know if I can assist you with anything else. Sincerely, XXXX XXXX XXXX XXXX Customer Service : XXXX Online Customer Service : 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 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a formal complaint against PayPal Credit regarding two significant billing errors and a failure to properly credit my account, totaling {$5600.00}. Despite multiple attempts to resolve these issues directly with the creditor, they have failed to rectify the situation, resulting in ongoing interest charges. Issue 1 : Unprocessed Refund for Cancelled Flight ( {$410.00} ) On XX/XX/XXXX, I cancelled a flight booking. I received an official confirmation email on that same date stating that a refund of {$410.00} had been issued. However, this credit never appeared on my PayPal Credit statement. Action Taken : I formally disputed this charge on XX/XX/XXXX. Outcome : PayPal Credit denied the dispute and refused to apply the refund, despite the merchants confirmation of the return. Issue 2 : Missing Consolidation Loan Payment ( {$5200.00} ) I recently obtained a consolidation loan to pay off my remaining balance. On XX/XX/XXXX, I received a confirmation email acknowledging a payment of {$5200.00}. This payment has not been credited to my account balance. Action Taken : I contacted customer service on XX/XX/XXXX, and spoke with a representative named XXXX. He claimed the confirmation was likely a " phishing email '' and instructed me to delete it. Current Status : I refuse to delete evidence of a legitimate payment made via my loan proceeds. The failure to credit this amount is causing me to accrue daily interest on a balance that should be 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 monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I sent money to this account via another bank institution and since then they have closed my account for fraud. The last time I checked and was able to log into my CIT BANK account my balance posted was I believe {$1000.00}. That money has been sitting in my account for months as there is still to this day a pending closure on my account. I spoke to many representatives by now and XXXX told me to keep on calling to pressure them. The most recent person I spoke to told me that my account was closed because of fraud. On their side it says my money was returned to XXXX of my bank accounts on file on XX/XX/XXXX. I go to check that bank account even call them and they have not received anything. After some supposed digging on their end, she said the money never reached CIT and was returned to my original form of payment which does not at all make sense because she said before that my payment was sent back out to me on XX/XX/XXXX. This bank seems extremely unprofessional as well as I heard children playing around in the background of my recent call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
Dear XXXX, I am writing regarding an email I received on XX/XX/year>, stating that my SoFi Bank account would be closed immediately due to activity suggesting a violation of the SoFi Bank Deposit Account Agreement. After carefully reviewing my account activity, I am unable to identify any transactions that would constitute a violation. My usage has been limited to standard and legitimate banking activities, including check deposits, direct deposits from my employer, and payments to credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a complete and comprehensive description of the reinvestigation procedures used to verify disputed information upon a consumers request. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, constituting a clear and direct violation of my rights under the FCRA.

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 2026-04-14 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: VA

Complaint narrative:
I am showing a debt owed to IC SYSTEMS, {$370.00} Open balance on my credit report, Original creditor states it was opened on XX/XX/year> ( 1 yrs, 5 mos ), I filed a complaint with the credit bureau XXXX XXXX XXXX. the dispute was rejected ; however, I have no clue what this charge is, my credit score is XXXX, I pay my bills ; {$370.00} is not much, but I am not responsible for this account.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express approved me for a XXXX XXXX XXXX Credit Card with the promotional offer o f {$200.00} dollar sign on bonus ( with a spend requirement of {$2000.00} ). When I called Amex the first time, they told me it was only a {$100.00} dollar sign on bonus which made no sense to me as they are literally scamming me out of {$100.00}. I called Amex customer service 3 times to confirm that I received the {$200.00} dollar offer, provided all the information they requested, but they keep telling me they will get back to me but so far they haven't. I attached my chat log with Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: TRUHOME SOLUTIONS, LLC
State: MO

Complaint narrative:
In XX/XX/XXXX, I reached out to TruHomes lossmitigation specialist to request assistance after regaining stable employment. The specialist responded by providing a link to apply and stated that a hardcopy packet would be mailed to me. I submitted a complete lossmitigation packet on XX/XX/XXXX, and additional documents on XX/XX/XXXX. I did not receive any incompleteapplication notice, missingdocuments notice, written determination, or denial. At no point was I informed that foreclosure had already been referred to an attorney or that a sale had been scheduled. I relied on TruHomes communication to understand the status of my application. After the alleged XX/XX/XXXX sale, I received conflicting loanstatus communications : a XX/XX/XXXX mortgage statement showing the loan as active, a XX/XX/XXXX letter stating the loan was paid in full, and a XXXX escrow refund identifying me as the mortgagor. These contradictions were not explained. On XX/XX/XXXX, during an internal TruHome call, a representative stated that the foreclosure should have been put on pause while they checked whether my documents were received and what the outcome was. This contradicts the companys official timeline and suggests my lossmitigation review was still active. TruHomes response to my prior CFPB complaint did not address my XXXX outreach, my XXXX submissions, the missing notices, the contradictory loanstatus communications, or the internal call. I am filing this renewed complaint so these issues can be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I am disputing this account because it was charged off and sold to another creditor, yet the original creditor is still reporting a balance. Once an account is sold, the original creditor should report a XXXX balance. This reporting appears inaccurate and misleading. Please investigate and verify the accuracy of this account, including the balance, ownership, and reporting status. If all can not be verified, I would like to delete off all 3 credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief