vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
i filed a dipute with XXXX XXXX XXXX XXXX for severl charges that was deducted from my debit card i never made these charges and have no idea how they were done.These charges were made without my approval the XXXX charges was made on XX/XX/XXXX for {$110.00} XXXX was on XX/XX/XXXX for {$110.00} XXXX XX/XX/XXXX {$100.00} all of these were for the company name XXXX XXXXNext charge was were made on the same date XX/XX/XXXX for {$100.00} for company XXXX XXXX.Last set of charges happened on XX/XX/XXXX XXXX {$110.00} XXXX for {$110.00} and the company name is XXXX XXXX last charge was on same date XX/XX/XXXX for {$95.00} charge name is XXXX XXXX XXXXXXXX these charges totaled {$780.00}. Filed a dipute on XX/XX/XXXX and with in 10 days my dispute was denied theres no way a investagation could of been done that quick.These charges are 100 % out of my normal charge habits i have nere made charges back to back in this manner and the card company should have taken that in accout and stop all charges from going thru this company cant show at any point snice i have been a customer where i have made any such charges and should of suppected fraud frezzing any futher charges from going thru XXXX  the first XXXX were made but instead allowed all of theses uncareestic charges to contiue to be made again and again.But now that i am out XXXX dollars they want to denine my claim this company has a history of deineing claim and in fact a class action law suite was filed and won against this company for just this matter of wrongfully dening claims without doing proper investigations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I ordered a hoodie from an online marketplace platform by the name of XXXX. It was marked as delivered on XX/XX/year> but I never received it nor did I see any delivery person arrive to my apartment as the tracking just says Met Customer. I contacted XXXX regarding this and they told me to file a claim with the XXXX which was UPS ( Even though they should be the ones filing the claim as they are the shipper ). So I do just that and a week later my claim is denied without any proper investigation whatsoever. I contact XXXX again and they tell me there is nothing they can do in this case since the claim was denied and can not provide a refund. So I contact UPS to see what happened and they tell me to contact XXXX again and have them re-open the claim on their end. I do just that and now XXXX  is not responding to my emails and the dispute I opened has now been closed in their favor which is EXTREMELY frustrating and unacceptable as Im paying for something that I never received until this day.

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 2026-01-27 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I am filing a complaint regarding Citibanks handling of a disputed credit card charge for {$550.00} for travel booked through Citi XXXX on XX/XX/2025, for XXXX XXXX XXXX 

I booked accommodation at XXXX XXXX in XXXX XXXX, XXXX, through Citi XXXX. Upon arrival late at night in a foreign country with my two children, we were unable to enter the property because the required access code was never provided. We were locked out in the rain and unable to reach the property management despite multiple attempts. As a result, we were forced to travel across town and walk from hotel to hotel - again in the rain at night with two exhausted children- in order to book emergency lodging at another hotel for the night. 

The following day, after spending much of the day calling Citi five times, a Citi XXXX agent finally informed me that the property had actually sent the access instructions to Citi, but Citi did not forward them to me. When we eventually accessed the accommodation, however, it was materially misrepresented and uninhabitable, in poor conditions, dirty, and with a strong sewage smell, raising health and safety concerns. I documented this with photographs and notified Citi immediately before vacating the property. I was forced to find alternative accommodation twice in less than 24 hours of my trip.

Despite these facts, Citi has refused to issue a full refund, incorrectly treating this issue as a cancellation subject to the propertys cancellation policy, instead of material misrepresentation and breach of contract as I repeatedly informed them. Citi has also made it extremely difficult to escalate the issue despite multiple calls over two weeks. They never let me talk to a supervisor directly, instead assigning an unreachable supervisor based in XXXX, XXXX, at a ridiculous time difference from XXXX, who never contacted me despite multiple requests. Citi 's complete lack of urgency and basic customer service has forced me to spend weeks both during my trip and after trying to resolve this issue. 

I am requesting that Citibank properly review this matter as a failure to deliver the contracted service, issue a full refund for the accommodation, and address the lack of meaningful escalation and resolution.

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Subject : PayPal Failure to Release Funds by Promised Deadline / Withholding Funds Without Explanation Company : PayPal , Inc . 

Issue : Funds not released by stated deadline ; misleading information ; financial harm caused by delayed access to money. 

Complaint : I am filing this complaint because PayPal failed to release my funds by the specific deadline they provided and has not given any explanation or resolution. PayPal stated that my funds would be released by XXXXXXXX XXXX XXXX but that deadline passed with no release, no update, and no communication. The funds remain unavailable despite the promised release time.

I relied on PayPals stated release time in good faith. Their failure to release the funds as promised has caused direct financial harm and has prevented me from accessing money that rightfully belongs to me. This appears to be a violation of PayPals own policies regarding fund availability and raises concerns about unfair or deceptive practices. 

I contacted PayPal for assistance, but the issue has not been resolved. The automated system missed its own deadline, and PayPal has not provided any justification for the continued hold. I am requesting that the CFPB review PayPals handling of this matter and require them to release my funds immediately. 

Desired Resolution : Immediate release of the funds that were promised to be available by XXXX XXXX XXXXXXXX Review of PayPals fundholding practices and misleading release timelines Assurance that this will not happen again Impact : The delay has caused financial hardship and disrupted my ability to manage essential expenses. PayPals lack of transparency and failure to honor their stated release time has created unnecessary stress and inconvenience. 

Thank you for your attention to this matter. 

total amount being held up is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I ordered a XXXX XXXX  XXXX XXXX XXXX  and a case from XXXX store on XX/XX/XXXX. My package came open missing everything from box on XX/XX/XXXX. I reported to XXXX store provided every evidence, also video footage showing box is open within 15 minutes of receiving empty box still they rejected. Then I called to courier company XXXX. They told me only the shipper can file claim. Then I asked to XXXX XXXX XXXX Synchrony bank for dispute since I have not received it. They also denied my request. I still got the box, police report, video proof of delivered opened box.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute multiple unauthorized or inaccurate credit inquiries on my credit report. These inquiries include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized by me, and I believe they XXXX be related to identity theft and/or errors in reporting. I am attaching my FTC Identity Theft Report as proof of the fraudulent activity. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX, XXXX ), I am requesting that these inquiries be investigated, verified, and permanently removed from my credit file. Any inability to verify these inquiries should result in their immediate deletion. 

Additionally, I want to note that my personal information was compromised in the TransUnion data breach, which XXXX have contributed to the appearance of unauthorized inquiries. 

I hereby authorize and direct all involved parties, including my creditors and credit reporting agencies, to take immediate action to correct, block, or remove these inquiries and any associated accounts that are fraudulent or inaccurate. Failure to remove or correct these entries XXXX be considered a violation of the FCRA. 

Please confirm in writing that the investigations have been completed and that all unauthorized inquiries have been removed from my credit file. 

Thank you for your prompt attention to this matter. I expect a resolution in accordance with federal law.

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 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates XXXX XXXX. XXXX ( XXXX ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under XXXX XXXX. XXXX. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under XXXX XXXX. XXXX, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated XXXX XXXX. XXXX by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXX Account number XXXX XXXX south XXXX XXXX XXXX nc XXXX XXXX I been with chime since 2018 and my money always came up missing like they was charging me for things I never received I always gotten direct deposit they was over charging me for my advance and all XXXX single mom of XXXX I do not have money to keep losing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am disputing the accuracy and completeness of the payment history reported by Kikoff Lending LLC to the credit bureaus.

Kikoff reported the same date of last payment across multiple billing cycles in 2025, which does not reflect distinct monthly payment activity. Several months are also reported as No Data Available, creating gaps in the accounts historical reporting. 

I disputed this information with the credit bureau, and Kikoff responded by re-reporting data but did not provide documentation showing unique payment dates or a complete month-by-month accounting. As a result, late payment notations continue to appear without proper verification.

I am requesting a full reinvestigation and correction or removal of any late payment information that can not be verified under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unlawfully reported credit information appearing on my credit reports. I discovered an account and an address listed under my name that I do not recognize and never authorized. This inaccurate reporting is causing serious harm to my credit profile. 

I am disputing the following inaccurate personal information appearing on my credit file. The address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is not my address and I have no knowledge of this address being associated with me. I never resided at this location and did not authorize its placement on my credit report. Reporting an incorrect address is a violation of FCRA 602 ( a ) ( 1 ) requiring maximum possible accuracy of consumer information. I demand immediate deletion of this inaccurate address from my credit file. 

I am also disputing the following account being reported on my credit report. The account XXXX XXXX Account Number : XXXX Open Date : XXXX XXXX, XXXX Balance : {$4500.00} Status : Charge-off is being reported as a charge-off. I have no knowledge of this account, I did not open this account, and I did not authorize anyone to open this account on my behalf. Because I have no knowledge of this account, you can not verify that it belongs to me. Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation and delete any information that can not be verified. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. Since this account is not mine and can not be verified as belonging to me, I demand permanent deletion of this account from my credit report. 

I request CFPBs immediate assistance in ensuring full compliance with federal law and the permanent removal of this unverified and inaccurate account and an address from my credit reports. I expect written confirmation of the corrective action taken.

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 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX I received a email advising me that my vehicle is upon repo. I have not spoken with any representive regard to getting on a payment plan to get account current. I was not given any payment options, however It seem that communication has failed. As of today I as a customer will have to reach out to XXXX XXXX to see what affordable payment options is available. I was reached by any one regards to my XXXX XXXX I only once received a one time email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/XXXX I made a ATM cash deposit for {$400.00} dollars. Overnight my wallet and debit card where stolen while I was at work. All transactions following the ATM deposit where due to theft and fraud use of the card. I let Huntington bank know about these events via phone call with a oversees representative who barely understood what I was saying. 2 days later provisional credit for the fraudulent transactions was put in my account. About a week later the credits were reversed claiming no error ; when in fact this is false. I called Huntington bank and was once again greeted by a oversees representative who let me know my claim was denied because valid transactions took place at the same time as fraudulent transactions ; which is not true because the first time I called in the representative did not include all transactions in this claim. I was routed to another representative and the claim was reprocessed to include all the transactions that took place the following day after my ATM deposit. I was told my claim would be reopened and a specialist will look at my claim within XXXX hours. Less than XXXX hours later my claim was once again denied. My bank account has a negative balance because of this ; and I am receiving notice to bring my account to current balance ; when in fact these is due to the negligence of Huntington bank to properly document the initial conversation and route issues to correct channels and not handle fraud claims in a frivolous manner. This issue is being nor properly handled and it effects my financial situation and future reputation due to the fact of negative bank account information being reported and sent to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was actively working on a loan modification and submitted all requested documentation, except for my tax returns, which I was awaiting from my CPA. The servicer was aware of this delay. Despite this, I was repeatedly asked over several months to resubmit documents, which I did. 

On XX/XX/XXXX, I received a debt collection notice from XXXX XXXX regarding an alleged debt to XXXX XXXX XXXX. That notice improperly included another individuals personal information. I disputed the debt in writing on XX/XX/XXXX, requesting an investigation and correction, but I received no written response. 

I later discovered that my credit report reflected a deed in lieu of foreclosure reported without my knowledge or consent. On XX/XX/XXXX, I sent another written request for correction. Instead of receiving a written response, I began receiving frequent phone calls. The servicer did not respond in writing until XX/XX/XXXX, and that response failed to address the unauthorized deed-in-lieu reporting or correct the errors, despite my providing specific documentation. 

These actions caused significant damage to my credit and created additional financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
No outside company seemed to be involved all transaction seemed to be internal and were done with in the gears and knobs of the banks own computer. During the day time while all employees were at their desks and none of them were on a break or out to lunch. No one seemed to know or have seen anything out of the ordinary and no one had a clue anything was even happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Autovest, L.L.C.
State: CA

Complaint narrative:
CFPB sued or fined XXXXXXXX XXXX XXXX XXXX from XXXX to approximately XXXX Where XXXX XXXX XXXX or sold it to Auto Vest LLC. In which they file a case in the XXXX XXXX XXXX XXXX of California in XX/XX/XXXX. My last payment was in XXXX XXXX. The governor of California stated that no company shall not take, seize, evict, or repossessed during a shutdown from XXXX XXXX. XXXX XXXX  responded with a threat to pick up the vehicle, and I complied, because all banks and businesses were shut down temporarily. I haven't heard from XXXX XXXX  in many years, until some time in XX/XX/XXXX With Auto Vest. I feel after 48 months or over 6 years ago, Auto Vest is aware of a this is a Time Bar case # XXXX is nothing more than Harassment, after almost 8 years for a used car. However! XXXX XXXX  made me pay for a XXXX XXXX before I could get the car financed, in which was illegal from the start, and it doesn't appear in the court file by Auto Vest LLC. Thank you. XX/XX/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