vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUTO MARKET OF FLORIDA, CORP
State: FL

Complaint narrative:
CFPB Complaint Statement Incorrect Reporting During Pending Court Determination I am submitting this complaint regarding inaccurate credit reporting by Auto Market of Florida while a court process is pending to determine what, if anything, I owe. 

Auto Market of Florida is currently furnishing information to the credit bureaus stating that I owe a specific amount. This information is incorrect and misleading, as the alleged debt is formally disputed and is in the process of being resolved through court proceedings so that a judge can determine the correct amount, if any, owed. 

At this time, no final determination has been made by the court. Reporting a balance as owed while liability and amount are unresolved does not accurately reflect the legal status of the account and causes harm to my credit profile. 

I am seeking a fair solution that ensures compliance with the Fair Credit Reporting Act, accurate reporting during pending legal disputes, and appropriate dispute notation or temporary suppression of reporting until the court has made a final determination. 

I respectfully request CFPB assistance to help ensure that my credit report reflects only accurate and legally supported information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I contacted Citi about this issue on Thursday, XX/XX/XXXX and they told me to expect to be reached out to within 3-5 business days. I am submitting this complaint to the CFPB so that it can be documented here as well and escalated appropriately. 

I have a Costco Anywhere Visa Card by Citi. Citi has a feature within the card called Flex Pay which allows larger purchases to be broken up over 3, 6, or 12 months, interest free, with a small monthly fee. For 3 month plans, I've found the total fee stretched over three months to represent about 5 % of the balance, which I feel is reasonable.

Recently I have noticed that one of my Flex Pay plans, one without a monthly fee, has had its balance reduced significantly faster than plans with a monthly fee, in direct violation of the Credit CARD Act of 2009. I am attaching balances of my Flex Pay plans at different times, which will show that the balance of the plan without a monthly fee has decreased significantly faster than plans without. 

Citi Flex Plan XXXX - started on XX/XX/XXXX Total Plan Amount - {$240.00} Plan term / monthly payment / fee - 3 months / {$82.00} / {$0.00} Principal balance as of Friday, XX/XX/XXXX - {$26.00} Percentage of balance remaining - 10.4 % Other Citi Flex Plans : Citi Flex Plan XXXX - started on XX/XX/XXXX Total Plan Amount - {$150.00} Plan term / monthly payment / fee - 6 months / {$25.00} / {$3.00} Principal balance as of Friday, XX/XX/XXXX - {$100.00} Percentage of balance remaining - 66.7 % Citi Flex Plan XXXX - started on XX/XX/XXXX Total Plan Amount - {$340.00} Plan term / monthly payment / fee - 3 months / {$110.00} / {$5.00} Principal balance as of Friday, XX/XX/XXXX - {$110.00} Percentage of balance remaining - 33.3 % Citi Flex Plan XXXX - started on XX/XX/XXXX Total Plan Amount {$580.00} Plan term / monthly payment / fee - 3 months / {$190.00} / {$3.00} Principal balance as of Friday, XX/XX/XXXX - {$580.00} Percentage of balance remaining - 100 % The last example I gave is especially telling because the balance on it has not gone down at all, yet the flex plan XXXX, started on the same day has gone down significantly faster. My last statement closed on XX/XX/XXXX, so Flex Plans XXXX and XXXX are not included in my statement, but the other two are. 

My total payments in this statement period total {$1700.00}, which more than covered my adjusted balance + new statement balance from the most recent statement. My statement balance was {$1900.00}.

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 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of a data breach, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that these fraudulent accounts be removed from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in overcoming this unfortunate experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NH

Complaint narrative:
I had been paying for my car month after month for XXXX years, and apparently there was a payment with an outstanding balance of {$300.00}. I was paying every month, I have proof, and I didn't know I had that {$300.00} in arrears. They unjustly repossessed my car. I had just given birth to my baby, and that devastated me. Since then, I haven't been able to work or support myself. I demand that my case be investigated. They also sold my car for a very low price, and the records show that I still owe them a lot of money. It's unfair that after XXXX years they took my car, which I never stopped paying for. I have proof of my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
As a new home owner, I have been purchasing items from Home Depot. A couple of months ago, while checking out at a register, I was signed up for what I * thought * was a MEMBERSHIP card. Recently, I received calls, stating that I owed various amounts on a credit card that I did not approve ( knowingly ), did not receive, did not activate, and did not use. Online it says a bill of {$220.00} listed, due XX/XX/XXXX. This is what I assume has happened, although it is possible these are purchases from someone else, and is fraud. I began to receive calls 'collecting a debt '. However, on the phone, they say it is {$68.00}. These calls occurred MULTIPLE TIMES PER DAY EVERY DAY. When speaking with someone initially, I described this as either a fradulent application or one with poorly informed consent ( not knowing the origin of the exisiting call ). Yet, the card was not cancelled, and I was just moved around to different people on the call until they hung up. The harassment by the calls kept going until today, when speaking on the phone, I spent 25 minutes begging them to cancel the card. They refused until I gave them my personal information, and then said they will only 'investigate '. So, they promised to cancel the card WITH my information, and then afterwards just said they will be in contact. At the very least, if this isn't fraud by someone else, I WAS LED TO BELIEVE THIS WAS UNAUTHORIZED OR IMPROPERLY OBTAINED CREDIT ACCOUNT. The harassment just wont stop, and they will do nothing to end it.

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 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Credit Collection Service has put XXXX collections on my credit report for {$400.00} and {$270.00} for an alleged debt with XXXX. XXXX and their vendor opened a XXXX account without my authorization last year and have sent the balance from this unauthorized account to collections. Credit Collection Service not only is trying to to collect a debt that is fraudulent, but they have put XXXX collection accounts on all of my credit reports although they are only allegedly collecting from XXXX owner, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email notification that someone had used my credit card to make an unauthorized transaction amount of {$21000.00} using Paypal. This person claimed to be " XXXX XXXX XXXX '', a merchant I have NO relationship with. 

WIthin hours of this I notified Paypal promptly after notifying my credit card company. 
I flagged the fraudulent charge with a bot ( my only option at the hour it happened ) and received a generic email saying : " If the seller cancels the authorization, we may recover the refunds issued from your PayPal account.

We've determined the activities in question on your account are unauthorized.

For more information and to see the status of your case, log in to your PayPal account and go to the Resolution Center. '' A few days later, the amount still posted to my credit card so I am on the hook for the balance. I called Paypal again only to be passed on from one representative to the other and neither could answer me specifically on what was going on. The second one got rather rude and hostile with me, screamed at me and disconnected the line.

This is an appalling way to handle a fraudulent case, for any $ amount but especially for one that for such a large amount and was flagged multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I was at XXXX attempting to use my card. It was declined XXXX. I then received a text message to call XXXX because of suspected fraud. I call them. Verify myself. Asks me if it was me attempting the transaction. I told them yes. The representative put me on hold for several minutes and told me that she could not unrestrict my card. They needed to investigate for XXXX hrs. Leaving me unable to pay for anything or any way to continue on with my the things I needed to do despite me fully verifying myself and that the transaction was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: NY

Complaint narrative:
I am filing a complaint regarding incorrect annual fee billing and an improperly calculated welcome offer spend deadline on my American Express XXXX XXXX due to repeated card delivery failures. 

After my application was approved, American Express delivered the card to an incorrect address. Even after I contacted customer service and updated the address, the card was still not delivered. The card was later reissued and finally delivered to my correct address while I was traveling for XXXX XXXX holidays. I activated the card immediately upon my return and receipt. 

Despite these documented delivery issues, American Express : Charged the full annual fee based on the original membership start date, even though I did not have possession of the card, access to benefits, or ability to use the account during that period. 

Set the welcome offer spending deadline based on the original membership start date instead of the actual activation date, creating a risk of losing the promotion for reasons entirely outside my control. 

I contacted customer support multiple times, but the issue has not been resolved and responses have been inconsistent or absent. 

This is not a policy dispute but a service failure that resulted in unfair billing and potential loss of a promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have used Verizon Visa credit card for over a year. This credit card offers rewards which can be used to pay Verizon XXXX 's bill. 

The credit card issuer Synchrony Bank provides monthly rewards to my Verizon XXXX account on monthly basis, then I can redeem the rewards towards the Verizon XXXX ' bill. 

It worked well until XXXXXXXX XXXX Since then, Synchrony Bank has stopped sending the award information to Verizon XXXX, my reward balance remains as {$0.00} in light of I keep accumulating rewards ( confirmed by the credit card monthly statement. ) I contacted Synchrony bank several weeks ago, it kept me waiting while it is investigated the matter. Today, its letter indicated that my rewards was applied properly. This Statement from Synchrony bank is FALSE. 

The Synchrony Bank Leadership is incompetent!

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 2026-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I am the account holder on a vehicle lease serviced by Hyundai Motor Finance. My husband contacted Hyundai Motor Finance and handled communications and payments as my authorized representative. During the call in which the payment plan was discussed, Hyundai Motor Finance verified and recorded my authorization for him to speak and make arrangements on my behalf. 

In or around XX/XX/year>, after learning there was a large balance owed, my husband contacted Hyundai Motor Finance to ask what options were available to address the balance. He did not state that we were unwilling to pay. He was asking what options existed. A representative offered a payment plan, explained the monthly payment amount, and confirmed that this was an available way to handle the balance. We agreed to the payment plan during that call, relying on the information provided. 

At no point during the call was it disclosed or explained that entering into the payment plan would still result in late-payment credit reporting. There was no explanation that the payment plan was separate from credit reporting consequences, nor was it disclosed that negative reporting would continue despite compliance with the agreed plan. 

Based on the discussion, we reasonably understood the payment plan to be an accommodation intended to address the balance without additional harm. If it had been disclosed that the payment plan would still result in negative credit reporting, we would have paid the balance in full at that time instead of entering the plan. 

After entering the payment plan, late payments were reported to the credit bureaus, causing unexpected credit harm. 

Following additional conversations with Hyundai Motor Finance, a settlement offer was later extended, which we accepted, and the balance was paid in full. The settlement was offered only after the account entered default and after negative credit reporting had already occurred.

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 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
The situation began when I discovered that I was being held responsible for a debt of {$1600.00} that had been sold to a collection agency called Ability Recovery Services. I was stunned to learn that I was listed as a " cosigner '' on an account for XXXX XXXX XXXX XXXX, an agreement I never saw, never signed, and never authorized. 

I soon discovered that XXXX XXXX operates with a complete lack of integrity. Their enrollment process allows anyone, regardless of age, to create an account and incur massive debt. They do not require a physical signature, nor do they ask for any proof of identity. My minor daughter was able to enroll herself simply by providing my address and email. Because XXXX XXXX fails to perform even the most basic verification, my personal information was essentially stolen and then sold illegally to a third-party collector. 

When I reached out to both XXXX XXXX and Ability Recovery Services to dispute this fraudulent debt, I was met with an answer that was as cruel as it was unprofessional. Both companies told me that the only way they would remove my name from the debt is if I had my own daughter arrested. 

It is an appalling and unfair practice for a business to encourage the criminal prosecution of a child to fix a financial error created by the companys own negligence. They allowed a minor to bind an adult to a contract without consent, sold that unauthorized data to collectors, and are now using my family as leverage to get paid.

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 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of a data breach, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that these fraudulent accounts be removed from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in overcoming this unfortunate experience.

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 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal has restricted my account permanently with little to no explanation andXX/XX/XXXX options for resolution while holding my money forXX/XX/XXXXdays. 

They seem to be using an automated system for this and contacting a human being for help is nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Spanning XXXX  months, daily calls, minutes after XXXX, or before XXXX, including holidays. Repetitive robo voicemails.

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 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
I dispute inaccurate and incomplete credit reporting for this 1st Access account. I formally disputed the account and requested full verification under the Fair Credit Reporting Act, including original creditor records, billing statements, payment history, delinquency calculations, and the Date of First Delinquency ( DOFD ). Despite timely written disputes and a proper Method of Verification ( MOV ) request, 1st Access failed to provide the requested documentation within the statutory timeframe. Instead, the account has continued to be reported as verified through automated processes without producing any underlying records to substantiate the reporting.

As of the date of this complaint, the Method of Verification period has expired and no competent evidence has been provided to confirm the accuracy or completeness of the information being furnished to consumer reporting agencies. Continued reporting of unverified and potentially inaccurate information violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
mortgage company refuses to stop collection and refuses to remove property insurance from escrow account. I have already paid the insurance company directly, insurance information is on file and compliant from XXXX XXXX. mortgage company refuses to remove property insurance from escrow account citing " high priced mortgage '' company informed me to fill out a hand written request showing proof of property insurance, I did so and provided proof, yet they continue to deny my request and continue to try and collect for the policy which is already paid in full and on file. mortgage company has caused a repeated number of payment issues and refuses to balance and remedy the situation. mortgage company continues to commit fraud and violates the ftc, sec and fair mortgage laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I have an auto loan and when i miss the dead line buy a couple of days i pay the late fee and they are not applying the additional funds to the late fee. The interest rate on the loan is low ( 3.99 % ) so i think but i don't know if they are applying the additional funds to the loan so i pay it off before its full payment schedule.

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