vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I opened a new Navy Federal business account and funded it with approximately {$300.00}. During the account opening process, I was required to speak with a Navy Federal representative and complete the account setup process. My understanding was that activation and verification occurred during that process. I never received the debit card associated with the account. When I received the mailing from Navy Federal, the envelope appeared to have been opened and resealed, and the card was missing. Shortly thereafter, unauthorized transactions were made using the debit card. Navy Federal 's fraud system initially flagged the transactions, but later transactions were allowed to proceed. This happened late at night while I was asleep. I immediately reported the transactions as unauthorized and filed a fraud claim. The transactions were made at XXXX separate XXXX locations. Navy Federal denied the initial claim, stating that the card was properly authenticated/activated. I appealed the decision and submitted additional documentation, including a police report, a USPIS ( United States Postal Inspection Service ) report, and the requested appeal paperwork. A detective is actively investigating the matter and contacted me regarding a potential suspect. Despite the additional documentation and ongoing law enforcement investigation, Navy Federal denied the appeal and provided little explanation beyond maintaining the original decision. I requested information regarding how Navy Federal determined that I received, authenticated, or authorized use of a card that I never received, but I was not provided a sufficient explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 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: PNC Bank N.A.
State: FL

Complaint narrative:
PNC advertised a targeted XXXX XXXX XXXXXXXX XXXX promotion for BXXXX on their secure online banking portal. Before doing the purchase I called PNC and the representative told me that the 20 % back will be credited to the credit card within 30 days of completing the purchase using the link in the PNC offer. I utilized the required shopping link and paid with my eligible PNC Card. The 20 % discount/credit was never applied. When contacted PNC customer service refused to honor or audit their proprietary tracking link and redirected me to XXXX, who have ignored my communications. PNC is failing to honor an incentivized promotion hosted on their own platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Request for Reconsideration and Account Reinstatement TJX Rewards. I am writing to respectfully request an executive review and reinstatement of my closed TJX Rewards credit card account. My account was recently closed automatically due to two missed payments, the first missed payment was in XX/XX/year>, culminating with a missed payment in XX/XX/year>. While I completely understand and respect Synchronys risk management policies regarding consecutive missed payments, I am asking for a human review of the situation given my immediate, proactive steps to rectify it.As a loyal XXXX XXXX customer, it was never my intention to neglect this financial obligation. The missed payments were the result of a temporary oversight, which is not reflective of my long-term financial responsibility.As soon as I realized the error in XX/XX/year>, I took immediate corrective action. I have attached XXXX XXXX and XXXX statements and I do not see a missed payment in XXXX. I most likely asked to have it removed because that is when I set up auto payments. Because my outstanding balance is low, I ensured the account was brought current, and I immediately enrolled in Automatic Payments that very same month to guarantee that future minimum payments would never be missed again.Because the account currently has an automated payment structure actively tied to a low balance, there is zero ongoing default risk to Synchrony Bank. Having this account closed negatively impacts my credit score by lowering my available credit limit and shortening my depth of credit history. I am deeply committed to protecting my credit profile.Given my swift self-correction, low balance, and active autopay enrollment, I kindly ask that a member of the executive team override the automated closure and reopen this specific account. If necessary, I am fully open to a temporary credit limit reduction to prove my reliable payment behavior moving forward.Thank you very much for your time, empathy, and consideration of this request. I look forward to your response. Thank you for your time.

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 2026-06-01 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: Bread Financial Holdings, Inc.

Complaint narrative:
I am requesting assistance with a credit card dispute involving XXXX charges on XX/XX/year> totaling approx. XXXX $ XXXX dollars for a taxi ride in XXXX. I disputed these charges with the card issuer, Comenity Bank, which services a credit card associated with XXXX. I was later told that my dispute was closed because I did not respond to a letter requesting additional information. I never received that letter. As soon as I learned of this, I sent a written response by certified mail, which the bank received and signed. Despite receiving my response, the bank has not reopened the investigation and continues to charge interest on the disputed charges. The ride itself was extremely short - approx. XXXX mile. We had walked to our destination earlier in the day and only took a taxi because it was dark and we became disoriented. We do not remember taking XXXX taxi rides that evening. We were charged approximately XXXX $ XXXX Dollars for XXXX taxi rides. The excessive charge for such a short ride is clearly inconsistent with the service received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/year> at XXXX XXXX XXXX male got out of his car and walked onto my property while the car went down the street to turn around. I walked into my garage that was open and a male with a bright yellow shirt was about to walk into my garage. I told him to immediately get off of my property. He said that he was with the mortgage company and will do an inspection. I again ordered him off of the property. He returned to his car and the other gentlemen wearing a bright colored shirt got out. They talked and the driver took off his shirt and threatened me with violence multiple times and told me to come onto the street so he can kick my XXXX ''. I called 911 and he said that he would be back next week to " handle this ''. A female got out of the back seat and told both mails to get in. Before they left, the driver said " pay your XXXX mortgage ''. They left prior to the authorities arrived. A report was taken and I have a copy. Multiple neighbors heard this and it can be seen on their cameras. I have contacted the Freedom Mortgage twice by phone and email and they will not respond to this assault and violation of the law. Freedom Mortgage just bought out my mortgage from XXXX XXXX. I want to press charges against this group of people but Freedom Mortgage refuses to talk.

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 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
XXXX XXXX at XXXX XXXX in XXXX, Ga XXXX. I was seen for XXXX XXXX, the dental exam revealed XXXX XXXX problem that needs XXXX XXXXl and a XXXX to the XXXX of {$3100.00}. While desperately in distress Im prodded by the financial counselor to apply for credit. I told her I would speak to my husband about this, she said the Dentist had to be paid in advance of the actual appointment. Now Im desperate.The counselor runs a credit check with my permission. I was granted a credit card to pay the XXXXXXXX XXXX in advance. Credit card has 35.99 % interest rate XXXX to kick me while Im in pain. Is this predatory lending?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, 2026, I purchased a XXXX XXXX XXXX and was sold an XXXX XXXX XXXX Contract for {$3800.00}. The service contract was presented as a small increase in my monthly payment. I do not recall being informed that the vehicle already had substantial remaining manufacturer warranty coverage. Had I been aware of the remaining manufacturer warranty coverage, I would not have purchased the service contract. On XXXX XXXX, 2026, I requested cancellation of the service contract by email. I was later told I would only receive approximately {$1000.00} back despite the contract showing a charge of {$3800.00}. When I asked why, I was told the difference was a certification fee. I do not recall any certification fee being disclosed or explained during the purchase process, and I have not been provided documentation showing the fee as a separate charge or explaining the refund calculation. The contract I was provided identifies a {$3800.00} vehicle service contract charge and does not separately identify the certification fee that was later referenced. I am seeking a refund consistent with the amount charged for the service contract.

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am submitting a complaint regarding misleading and inaccurate information provided by BMO Bank in connection with opening a checking account for the purpose of depositing U.S. Series EE Savings Bonds. On or about XX/XX/year>, I called a local XXXX branch and specifically asked whether I would be able to deposit recently discovered U.S. Series EE Savings Bonds into a newly opened checking account without waiting one year after account opening. During that call, I spoke with a member of the bank staff who I was told was the branch manager. I was explicitly informed that I would be able to deposit the bonds immediately and would not need to wait one year. Relying on that information, I proceeded to open a checking account with BMO. On XX/XX/year>, I went into the branch to deposit the savings bonds and was then informed that I could not deposit them because the account had not been open long enough. This directly contradicted the information I was given before opening the account. After learning this, I requested to close the account because the only reason I opened it was to deposit the savings bonds. I was then informed that closing the account would result in a {$50.00} fee. This appears to be a bait-and-switch tactic where inaccurate information was provided to induce me to open an account, only for the bank to later deny the transaction and attempt to charge a fee to close the account. This conduct is unacceptable and misleading. I am requesting that : the account closure fee be waived, the matter be reviewed internally by BMO, and corrective action be taken regarding the inaccurate information provided to consumers by bank staff. I believe consumers should be able to rely on representations made by bank employees regarding banking policies and account requirements without being subjected to unnecessary fees after being provided incorrect information.

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 2026-06-01 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX Date : XX/XX/year> Via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Formal Dispute, Demand for Validation, Method of Verification, and Immediate Deletion of Inaccurate Reporting Account Reference : XXXX ( last digits only if preferred ) To Whom It May Concern, I am writing regarding the account your company is reporting on my consumer file. This account is currently being reported by your company as a collection account and marked as disputed by the consumer. I formally dispute this alleged debt and challenge the completeness, accuracy, and legal enforceability of the information being furnished. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the following : Competent evidence establishing that I have a legal obligation to pay this alleged debt ; A complete accounting and itemization of the amount being reported ; Copies of any signed agreement, application, billing statements, or records demonstrating liability ; Documentation showing the chain of title and proof that your company has legal authority to collect and report this account ; The date of first delinquency and records establishing reporting accuracy ; The method of verification used to verify this account after prior disputes. If you can not provide complete documentary evidence validating the debt and supporting the accuracy of your reporting, you are instructed to immediately : Delete this account from all consumer reporting agencies ; Cease reporting unverifiable or inaccurate information ; Notify all credit bureaus to remove any associated negative reporting. Please note that reporting information that can not be properly verified, or continuing to furnish inaccurate information after notice of dispute, may constitute violations of federal law. Additionally, all future communications regarding this matter must be made in writing only. Telephone communication is not authorized. Please respond within the time permitted by law. 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 non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sezzle Inc.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I've been going through emotional stress due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I signed up with Synchrony bank under the understanding that there would be no interest rate. They guaranteed that all I would have to do is pay off my debt and I was doing that but started to notice my debt wasn't going down. I need them to apply all of the charges back to my account and give me until the end of the year to completely pay it off. It is against the law what they are doing and I have made them aware of the situation. I also, see that there was a class action lawsuit against them that was won for the very same thing. Please fix this for me.

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 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a written dispute challenging both the accuracy and completeness of the information being reported on XXXX account appearing on my credit report. In response, the credit reporting agency merely stated that the account had been verified as accurate by the furnisher, but failed to address the completeness of the information that I specifically disputed. My dispute was not limited to accuracy alone ; it also questioned whether the payment history and other material account information were complete and being reported correctly. Because the agency did not verify or substantiate the completeness of the information, the reinvestigation was incomplete and failed to adequately address the issues I raised. As a result, derogatory payment history continues to be reported without proper verification of its completeness and reliability.

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 2026-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint against Capital One regarding a prepaid car rental reservation booked through Capital One Travel ( XXXX XXXX card ending in XXXX ) for which I was denied service and have been unable to obtain a refund. On XX/XX/XXXX, I arrived at XXXX XXXX XXXX XXXX to pick up a reservation booked through Capital One XXXX totaling {$500.00} ( {$330.00} charged to my XXXX XXXX card and {$170.00} in travel credits ). Upon arrival, XXXX denied me the vehicle due to my probationary drivers license. I was never informed at the time of booking by Capital One XXXX or XXXX that a probationary license would disqualify me from completing the rental. XXXX has since confirmed in writing that the vehicle was not used and that this information was communicated to Capital One. In their email, XXXX stated : I have shared this information with Capital One only Capital One can issue a refund of your prepaid reservation. Despite this written confirmation from XXXX that service was not rendered, Capital One has declined to issue a refund. Capital Ones position is that because a portion was paid with travel credits rather than a direct card charge, a billing dispute can not be initiated. This is not a voluntary cancellation. I was denied service upon arrival through no fault of my own, and the restriction that caused the denial was not disclosed at the time of booking. Capital One XXXX collected {$500.00} for a service I never received. Refusing to refund this amount regardless of the payment method used constitutes an unfair and deceptive practice. I am requesting that Capital One refund the full {$500.00}, including both the {$330.00} card charge and the {$170.00} in travel credits.

Company response to consumer: Closed with monetary relief