vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Albert Corporation
State: TX

Complaint narrative:
XXXX the pre paid card company and checking and saving was and is on my credit report every single day twice under XXXX different company 's. I had to get my account back and verify myself to get it back with a owed balance of negative XXXX. The moment I lose my ID the app told me too many tries and text support. I texted support and they want me to show my ID again. It's like am going in circles again and who are they spouse to be helping. After telling them I was go write a complaint they let me in my account last night. The deal is I am trying to get a bank account being that am flaged ever were with early warning it seem possible to get a old bank account back. Idk if they owe me money or I owe them but can keep me on hold for hours looking into it. I want to be able to open me a checking and saving and I sent them my ID and proof of address already.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
Dear XXXX, I am writing to file a serious complaint against Surge, my credit card company, due to their continuous and aggressive harassment concerning my account, which I believe constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 

1. * * Background * * : I am currently under significant stress due to personal circumstances, including being homeless, going through a divorce, and living with XXXX that affect my mental health. I collect Supplemental Security Income ( SSI ) and strive to manage my financial obligations despite these challenges.

2. * * Details of Harassment * * : - Surge has continuously called me * * twice every day for several weeks * *. This pattern of communication is excessive and constitutes harassment, especially considering my explicit requests for them to stop calling me. 
- Despite informing their representatives that I would pay the debt, I have received phone calls that often end with them hanging up without speaking to me. This miscommunication and disregard for my situation have escalated my distress. 
- This morning, I made a payment of {$90.00} ; however, I still received multiple emails shortly afterward indicating that I owe money. This is misleading and further adds to my distress, as it shows a lack of acknowledgment of my payment. 
- I have recordings of these interactions proving the pattern of harassment and silence when I answer the calls, alongside a large number of emails and text messages from Surge that continue beyond my requests to cease contact.

3. * * Impact of Harassment * * : The relentless calls and threatening emails have caused me profound emotional distress, exacerbating my mental health conditions, which include XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX. The constant XXXX  of receiving these calls has made my situation significantly more difficult. 

Given this context, I request your urgent assistance in addressing this harassment. I seek accountability from Surge for their unlawful actions and any possible compensation for the undue stress they have caused during an already challenging time in my life. 

Thank you for your attention to this grave matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am filing a complaint regarding deferred interest charges assessed on my Home Depot Consumer Credit Card issued by Citibank , N.A . On XX/XX/XXXX, I made a purchase of {$2200.00} under a XXXX deferred interest promotion scheduled to expire on XX/XX/XXXX. I made regular monthly payments on the account and believed I was paying down the promotional balance. I was not clearly informed that payments in excess of the minimum would be applied to other balances instead of the promotional balance unless I contacted Citibank to request reallocation. As a result, a remaining balance existed at the time the promotion expired, and Citibank applied the full amount of deferred interest, causing a significant and unexpected balance increase. While my monthly statements referenced deferred interest, the payment allocation method and the risk of interest being applied due to allocation rules were not clearly explained or made understandable to an average consumer. I was not advised that I needed to proactively request payment reallocation to avoid this outcome. I am requesting a goodwill adjustment or partial credit of the deferred interest charges, as well as clearer disclosure practices to prevent this issue for other consumers. I believe this situation is misleading and does not align with fair consumer treatment. I respectfully request that Citibank review this matter and provide relief.

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 2025-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I received in the United States Postal Service a letter stating I owe a debt. I am writing to dispute this debt because I have no obligations with this debt collector. I have not authorize this debt collector to send me any documentation nor have I made in binding obligation with this debt collector using any of my personal information. Please validate not verify that I owe this debt to this debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app continually locks me out of my accounts for no reason it states my accounts do not exist so I can not login and access my funds it continually does this for every account I make and hold my money hostage in multiple accounts and lose access to the funds in that account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TClub Inc
State: RI

Complaint narrative:
on XXXX XXXX, i initiated transfer with ABOUND app with transaction id as XXXX, In the app it promised XXXX INR but my family only received XXXX. 
{$2200.00} was deducted from my account and exchange rate was XXXX in the app. 

There is difference of XXXX XXXX XXXX XXXX XXXX XXXX 
i did submit request to ABOUND app but they did not help me to get the XXXXXXXX XXXX 

This is the url of the app XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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 2025-12-19 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: NC

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 explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Imprint Payments, Inc.
State: MD

Complaint narrative:
Hello, I opened a credit card with XXXX XXXX XXXX when they were with XXXX. Then they merged with imprint. I was never notified. It says I got my new card but I have not received anything. I finally found out after receiving a late fee. I was flabbergasted because I have not missed a payment up to the merger. I had auto pay turned on with XXXX XXXX. I called on XX/XX/year>, to see if they could help me figure out how to take the late fee off and why Im getting hit with all this interest if I have a 24 month 0 % interest. The gentleman could not help me, XXXX, and so I asked to speak to the manager, XXXX. XXXX was very rude and was not willing to help after I told her I have not received anything in the mail. I asked what address was on file and she said the agent should have confirmed that. I said he did not. You can go back and listen to the recording. She told me that it was my fault essentially and I should have known. But she offered if I pay it off today they will wave fees and interest. I do not have XXXX dollars to pay off. I told her that I saw online that the merger has been causing many customers problems like this and imprint adding interest to XXXX balances. But she was said she could do nothing. I am filing a complaint and the complaint number is XXXX. I asked for her name and she said XXXX I asked for her last name so that while filing the complaint I could express how rude and unhelpful she was. She said I dont feel comfortable. They will know who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Recovery Solutions Group, LLC
State: OH

Complaint narrative:
Nonstop calls/emails and getting a hold of my spouse while at work and giving out false information. I have sent an email/seize, Desist letter. 

They continue to call all hours of the day/night have blocked numbers and emails and they continue to do it anyways using different number/emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I needed the air line tickets. On XX/XX/XXXX I was on the website XXXX booking the tickets. During this process I saw the offer for credit card with free 2 check in bonus bags if i get world elite spirit card. I paid {$79.00} card fee to get this card. I applied for the card from my spirit account. Bank of america bank approved it. I wasnt able to purchase the tickets until I received the physical card. You have to use the XXXX  XXXX  XXXX  XXXX  to purchase the tickets in order to qualify for 2 free checked bags. On Tuesday XX/XX/XXXX I finally got the card and tried to get the tickets. But there were no way to apply 2 free checked bags. XXXX customer service told me that my credit card is not yet linked to my spirit account and after it linked I can get 2 bags. Promises were 7 days to wait. No updates after 7 days from spirit. I called again and they told me to keep waiting. I called bank of America, they couldn't solve this issue on their end. It is XXXX  XXXX  issue and only can be solved there. I called XXXX every weeks hoping to get the card linked and confirm my 2 free check in bags. Today I am leaving for the trip and they still didnt linked it. I dont think they are working on this issue at all. Seems like a lot of people still dont have this link even after 1 year of wait. Now I have to pay {$320.00} for the bags and {$79.00} for the card that doesn't work. This is a known issue that they keep ignoring and offering broken card.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
Company : Loanpal, XXXX Product : Solar loan / Home improvement loan Loan Agreement No. : XXXX Description of the Problem I am submitting this complaint regarding a solar loan serviced by Loanpal, XXXX, related to a residential solar energy system that ceased functioning in XX/XX/year> and remained nonfunctional for a prolonged period. 

The solar system was installed by XXXX XXXX, XXXX and financed through Loanpal. Beginning in XX/XX/year>, the system stopped operating and provided no usable benefit. Despite repeated efforts to obtain repairs, the system remained down for an extended time, constituting a material breach of the Home Improvement Agreement by the installer. 



Dispute and FTC Holder Rule Assertion Because the system was nonfunctional, I submitted a formal written dispute to Loanpal asserting my rights under the Federal Trade Commission ( FTC ) Holder Rule, which is expressly included in my Loan Agreement. Under this rule, Loanpal is subject to all claims and defenses I could assert against the installer. 

Loanpal acknowledged receipt of my dispute and confirmed that an internal case and installer investigation are open, but has not yet provided any substantive resolution, timeline, or determination regarding installer responsibility or borrower relief. 



Loanpals Conduct During the Dispute While the investigation remains ongoing, Loanpal has : Disabled/ locked the solar system ; Conditioned restoration of system functionality on payment ; and Continued to pressure me to bring the loan current despite the unresolved dispute and acknowledged system outage. 

Loanpal has offered that a payment of {$430.00} would bring the account current, stating that payment would not waive my dispute. However, Loanpal has not confirmed whether system access will be restored, whether credits will be applied for the outage period, or whether relief will be provided if the installer breach is substantiated. 



Why I Am Filing This Complaint I believe Loanpals conduct raises serious consumer protection concerns because : XXXX. The financed product failed to perform as represented for an extended period ; XXXX. Loanpal has acknowledged the dispute and ongoing investigation but continues to use payment pressure and system disablement as leverage ; XXXX. The lack of clear written resolution or relief undermines the protections of the FTC Holder Rule ; and XXXX. I am being asked to resume payment without assurance of system functionality or fair account adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I previously filed complaint with 53rd bank stating our credit was delinquent while in forbearance. The complaint was repaired and now 53rd has sold the mortgage to XXXX XXXX as of XX/XX/XXXX and 53rd has once again filed as of XX/XX/XXXX that our account is delinquent which they are no longer our mortgage holder. 53rd has once again destroyed my credit score with XXXX. ect. 
Our mortgage has been with XXXX XXXX and we are currently coming out of forbearance with them. 53rd needs to correct this matter immediately.

Attention to this issue for the 2nd time would be greatly appreciated... Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
At the end of XX/XX/year> someone accessed my Amazon account and charged {$1500.00} on my XXXX  Amazon Store Card, I was unaware of this until I received an e-mail from them stating that there was suspicious activity on my card showing me 3 charges that were not mine. I had a XXXX balance on the card because I dont use it and hadnt used it for some time, I reached out immediately and told them I have not used the card, they did not tell me the card had accumulated {$1500.00} of fraud at that time, this also at the same time happened with my chase cards which after investigation XXXX  paid the over {$3000.00} of fraud on both cards, XXXX  however, knowing it was fraud continually blamed me for the fraud accusing me of giving my card to a relative etc which of course I had not. I told them I would not pay for something I had nothing to do with. On XXXX XXXX XXXX  committed an illegal act by going into my chase account and trying to take out a payment for {$29.00}, they had absolutely no permission to access my account to try to take a payment out, I stopped payment on that, XX/XX/year> they again tryed to take a payment out of {$110.00} out of my account, They have never had permission to take money by debit out of my account and what they have done twice now is blatantly illegal. I stopped payment on that as well, Someone should tell this bank/credit card company that they can not go into my account without my permit and take money out, that is fraud and I am not responsible for some fraudster using my card and charging away, Last is why did XXXX  allow those charges to go through if they knew they were suspicious and notified me, and yes I have that e-mail and the e mail right before this happened that I had a XXXX balance on the card, I cancelled the cards and did the appropriate things to protect myself, I am a Veteran on XXXX and I receive Social Security as my only income direct deposit, I dont spend money I dont have so paying this isnt an option either way. Tell XXXX  to go find out who did this and make them pay it, While on the phone with Amazon and XXXX, Amazon admitted that someone went on my account and added a XXXX  e mail to my account which wasnt mine and put my name on it and another name that Amazon would not disclose. Tell XXXX  to start there as Amazon who couldnt distance themselves fast enough has the name of who committed this fraud against me. Thank You 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 2025-12-19 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: Mercury Financial Intermediate LLC
State: OH

Complaint narrative:
Was alerted that I had a hard hit on my credit report from XXXX Mercury. Contacted XXXX XXXX, as they were the merchant of said credit card request. They were unable to assist. Tried contacting XXXX XXXX, first number would not accept messages, referred me to XXXX number. The XXXX number had been disconnected. Contacted TransUnion to dispute this hard credit check, and they were unable to assist unless I filed a report with FTC or police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: FL

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 explanation