vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding my recent experience with potential fraud and the subsequent handling of my account and locked card. My card was charged the full amount by a merchant after I reluctantly provided a picture of my banking information because the merchant requested it ; I sent the photo due to suspicion of fraud but the charge ultimately went through. The merchant never shipped the items, and Truist confirmed that no refund was processing after XXXX days. 
Truist placed a lock on my card without my knowledge, citing suspicion of a scam. Upon discovering the lock, I called customer service and was instructed to visit a branch, where I was assured the issue could be resolved and the card unlocked. After updating my phone number in person because I no longer had access to the previous number, subsequent calls to customer service proved futile. Both a representative and a supervisor denied the possibility of unlocking my card, insisting on a phone verification process that repeatedly failed. Despite confirming with my phone carrier that the account is in my name, Truist representatives continued to state they could not verify the name associated with my phone number. This entire experience has been extremely frustrating, and I seek a prompt resolution to unlock my card and address the fraudulent charge.

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 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Armstrong and Associates, Inc
State: AL

Complaint narrative:
Haven't received written notice or phone call about this debt never received anything and it just got put on my credit report! I have made a dispute with the credit bureau. Was not notified about a medical debt. Company hasn't reached out to me at all in any form or fashion to settle debt. XXXXXXXX XXXX XXXXs is the company handling the debt.

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 2025-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account was closed by bank and check was suppose to be sent to me for the balance of {$900.00} but I never received a check. Went to branch to confirm the correct mailing address etc. I also had them reopen my account and since then it has been XXXX months, endless number of calls and transfers but they are just saying we will look into this. 

It was custodial account for my XXXX XXXX XXXX daughter, I am her father writing this complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MI

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 XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX 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. This is stressful and its so much going on right now. I just feel violated.

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 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company : TransUnion Original Creditor : XXXX at XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Issue : Inaccurate / fraudulent collection This collection account shows a past due balance of {$100.00} and was placed on my TransUnion credit report by XXXX XXXX XXXX. I have never lived at this location and have no knowledge of this debt. Additionally, the debt was sold to a collection agency, and I do not owe this debt. Reporting this account is inaccurate and may be fraudulent, violating the Fair Credit Reporting Act ( 15 U.S.C. 607, 611, 623 ).

I have contacted TransUnion to remove this account, but it remains on my credit report. This indicates a failure to conduct a reasonable investigation and maintain accurate reporting. 

I am requesting that TransUnion and XXXX XXXX XXXX : XXXX. Delete this collection account from my credit report immediately, and XXXX. Ensure that all consumer credit reports reflect only accurate and verifiable accounts.

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 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Paid off my account at the end of XXXX. Closed the account prior to that as capital one refused to adjust interest rates. In XXXX I received a bill for interest. At the end of XXXX I received a bill for interest for XXXX. I paid the XXXX bill prior to receiving the XXXX bill. I called capital one and explained the situation. They agreed to resolve the interest payments but I would have to call again later to get my payment refunded. I was hung up on. XXXX  effort XXXX they identified me I received the same response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding an American Express e-Gift Card that I purchased today in the amount of {$110.00}, which has been unusable despite being active and fully funded. 

I purchased the e-Gift Card specifically to complete an online purchase for a shore excursion through XXXX XXXX  after my other credit card was not accepted. Prior to attempting the transaction, I verified that the card was active and had sufficient funds. The transaction was repeatedly declined. 

I contacted XXXX XXXX  directly and spent approximately XXXX minutes on the phone with a representative attempting to complete the purchase. They were unable to process the payment or provide a solution. To rule out a merchant-specific issue, I attempted to use the American Express e-Gift Card with other online merchants that accept American Express . The card was declined in every instance.

After experiencing these repeated failures, I researched the issue and discovered that this is a common and well-documented problem with American Express gift cards. Many consumers report that the cards must be registered with a name and billing address in order to work online, yet clear instructions on how to complete this registration are difficult or impossible to find. 

I am already registered on the American Express website, and the gift card appears under my account and purchase history, which reasonably suggests that it should already be linked to my name and address. Despite this, the card remains completely unusable. 

As a result, I have effectively lost access to {$110.00} that I paid in good faith for immediate use. While this amount may seem modest, it is meaningful to me, and the inability to use the card at any merchant constitutes a failure to deliver a functional financial product. 

I am requesting resolution through XXXX of the following outcomes : A full refund of the {$110.00} to my original form of payment, or Immediate correction of the issue so the card functions properly for online purchases. 

I am submitting this complaint to the CFPB because my attempts to resolve the issue independently have been unsuccessful, and because this appears to be a systemic consumer issue rather than an isolated incident. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
My refund was deposited into this banking account on XX/XX/XXXX. Less than a week later I looked into my account and my money was not there. SoFi told me that IRS took the money back. The IRS said they did not have it and would let me know within XXXX  days they would investigate. I never owed any money and they said they would return the money back if they knew where it was. SoFi told me it was returned to IRS treasury. The tax preparer does not have it either. I am not able to look up my account information and they closed my account. I can not see any past notices they sent me. There is no documentation that SoFi sent me and it is as if I had no account whatsoever. After I did a bank tracing with SoFi they said they did a partial return to the tax preparer but they are saying they do not have the funds. The bank did not return anything and the IRS is stating they were the ones responsible for alerting the IRS to take the funds out if my account. The IRS has also stated they never received any funds from the bank and they are still investigating and trying to get in contact with the bank even though SOFI is saying they sent it over. The bank is saying there is nothing else they can do .And refusing to send any notices or documentation of what happened to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I notified Best Buy ( Citibank ) on XX/XX/XXXX, That I had charges were not minds. They stated that they closed that card and sent a replacement. XXXX years I started receiving statement where purchases were make under the old closed credit card. I called several time to let them know that I did not make these charges Starting XX/XX/XXXX. I requested that just closed all cards They issue a refund of {$590.00} but continue to let charges go through. Which ending up for over {$2000.00}. That send me documentation of someone using to card to book hotels and these. Last month I called again, they suggested that I go file a police report. I was told that to much time has laps for them to do anything. New charges continue to appeared as recent as XX/XX/XXXX, on closed accounts. They sent me information where a new was open account wrong email wrong telephone, I understand best buy or Citibank, they owe me money!!! l have all my receipts. They sent me a check for XXXX but calling saying I still owe over {$500.00}. I have been paying trying not to let my credit go bad. Am XXXX XXXX XXXX and don't understand why am responsible for something not mines!!!!! I need help to resolve this and get all the money I paid back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: MI

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. This is very stressful and I just feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This debt was sold to them by an apartment who never even reached out to me to tell me there was a debt owed. Then when I asked this debt collector to provide proper document with my actual signature from this apartment, they could not provide that because this lease was never validated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This account was charged off during a period of financial hardship. The account has since been settled and fully resolved, and there is no outstanding balance owed. 

Despite the account being settled, it continues to report with a charge-off status on my credit report. While I understand the historical delinquency, the continued charge-off status no longer accurately reflects the current condition of the account or my present creditworthiness. 

I am not disputing the debt or the settlement, but I am requesting a goodwill review and adjustment of the credit reporting, including removal of the charge-off or an update to reflect the account as resolved without charge-off status. I have made good-faith efforts to resolve this account and am actively rebuilding my credit.

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 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PRIORITY PLUS FINANCIAL LLC
State: CA

Complaint narrative:
I keep getting sent letters from this company : XXXX XXXXnd they advertise as economic relief for affected California families. This is clearly a scam and is not an economic relief... they advertise loans and the interest rest for repayment is over XXXX percent, which is clearly a scam and fraud who is trying to take advantage of families. This needs to be investigated and this company needs to be fine and sent all that fraud money back to the families they have scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
My Equifax consumer credit report unique list of adverse items that I want removed from the XXXX report. I recently learned that my personal information was used to open the following accounts. I did not open these accounts, nor did I authorize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-31 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXXThe date mentioned I was late last XX/XX/2025 never happened I paid on time and I did not receive any proof of late payment which I have requested for a very long time. Please remove immediately this late payment. 
COMENITYCAPITALXXXX Account XXXX : XXXX Please remove all the late payments for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 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: DISCOVER BANK
State: PA

Complaint narrative:
Summary of the Current Dispute : On the date of the transaction in question, my son was stranded due to a tire blowout. I provided my Discover card information over the phone and expressly authorized the {$300.00} quoted for the replacement of XXXX tires. That was the full extent of my authorization. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  charged {$510.00} without my consent I disputed the unauthorized portion of the charge immediately Evidence Provided and Not Addressed During the dispute process : The merchant submitted an illegible estimate without a signature, despite Pennsylvania Code XXXXXXXX requiring a signed sales slip for automotive repair work No valid, signed authorization for the additional charges was ever produced Even if a signature had existed, I, the cardholder, only authorized {$300.00} I provided Discover with the following documentation, all of which was dismissed without explanation : Written confirmation that my authorization was limited to {$300.00} Citation to Pennsylvania Code XXXX, which requires a signed sales slip Evidence from another tire retailer showing that tire replacement does not involve labor charges Voiced my concern that Discover was relying on an illegible, unsigned work order labeled Copy of Original, which does not meet legal or industry standards Rather than addressing these deficiencies, Discover responded only with the statement : We have already considered this information. And Improper Closing of the Dispute and Resulting Credit Harm Despite the lack of valid authorization and legally sufficient documentation, Discover closed the dispute in the merchants favor. 

Following this improper closure, Discover : Treated the disputed amount as delinquent Assessed late fees and additional charges Reported negative information to the credit bureaus As a result, my credit score fell dramatically from over XXXX to approximately XXXX, despite my long history of timely and responsible account management. 

Regulatory Concerns Under Regulation Z ( 12 C.F.R. 1026.12 ( b ) ), a cardholder is not liable for unauthorized charges. Additionally, while a dispute involving unauthorized use remains unresolved, a creditor may not treat the amount as delinquent, assess related fees, or report adverse credit information.

Discovers actions appear inconsistent with its obligations under : The Fair Credit Billing Act ( FCBA ) Regulation Z The Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/year> I went into navy federal located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX To prove my identity to have my IRS tax return check from department of Treasury, that was deposited into my aunts savings, cashed out. Both her and I had to bring our Identification Because it was over XXXX it has to be cleared by fraud department. Once cleared we was notified that we should have no problem going to a banker, having them review the internal notes left from fraud department stating check was cleared to cash out to retrieve said funds XXXX without warning made a call and started taking away, telling who ever was in other line ( she never communicated anything to my aunt or myself ) that she thinks it's best to reissue the check out, prolonging my funds for another XXXX business days, not to mention it never said where the check would be sent. Couldn't return the check I deposited night before to atm. When I asked where it was being sent to because I recently moved and my address on my ID is invalid, the address on my check is correct. She said she thinks it's going to address on check. I said well I need that confirmed because I have no access to mail at previous address ( the XXXX on my ID ). She told me it's going to she said it's going to address on the check. Come to find out they is NOT the case and it will be mailed to my aunts address ( account holder ). XXXX lied to me gave me incorrect information on where my money is going, which had NO reason to happen in first place because we were told BY FRAUD DEPARTMENT the check was cleared and ok to be cashed out & that that information can be seen in notes I tired opening my own account the night before online but XXXX said the systems have been giving certain browsers error messages. 

When XXXX decided to take matters into her own hands and change decisions without consulting a single person about it, I no longer did to open an account with navy federal, as a direct result of Brittneys rude attitude, unhelpful actions and misinformation regarding a large sum of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief