vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I am requesting assistance regarding a CareCredit account issued by Synchrony Bank. I opened this account through my dentist 's office to finance treatment for XXXX. At the time of enrollment, I was told the financing would carry 0 % interest during the promotional period. I understood that if I made the required payments during that period, I would not incur interest charges. I was not clearly informed that interest could be assessed retroactively from the original purchase date if any balance remained at the end of the promotional period. Throughout the life of the account, I maintained it in good standing through automatic payments and was never delinquent. More importantly, I did not receive monthly account statements, either by mail or electronically, during the promotional period. As a result, I was unable to monitor the account balance, verify the promotional expiration date, or take action to avoid the deferred interest charge. When I later contacted Synchrony, I was informed that copies of the missing statements would be sent to me. On XX/XX/year>, Synchrony assessed a deferred interest charge of {$3000.00} on an original financed amount of approximately {$5000.00}. At that time, the remaining balance was only {$2200.00}. Had I received regular account statements or adequate notice that the promotional period was nearing expiration, I would have paid the remaining balance in full and avoided the deferred interest assessment. I did not become aware of the charge until XX/XX/year>. Upon discovering it, I immediately contacted Synchrony and offered to pay the remaining balance in full if the deferred interest charge could be waived. My request was denied. I believe this situation raises significant consumer protection concerns. Consumers should receive regular account statements and reasonable notice of significant charges, particularly when the consequence is XXXX of dollars in deferred interest. The absence of account statements deprived me of the opportunity to make an informed decision and prevent the assessment of this charge. I respectfully request that Synchrony Bank reverse the {$3000.00} deferred interest charge and restore the balance to the amount that existed immediately prior to its assessment. I remain willing to pay that remaining balance in full upon reversal of the deferred interest charge. Thank you for your review and consideration.

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 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have called CitiBank regarding the transition from my XXXX XXXX XXXX card. I was told the new Citi Cards were out for delivery as of XX/XX/year>. They are not here. I have called multiple times over the last few weeks and been told different stories every time. Today CitiBank told me I cancelled my XXXX cards which I did not. Today they also told me they would issue new cards, there is no way to expedite the delivery of the cards and I need to wait another 4-7 business days. Citi also does not have a way to track the card delivery. The customer service has been terrible with different stories each time I call.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: MS

Complaint narrative:
I am writing in response to your communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this debt. Please provide the following information : 1. The total amount of the alleged debt, including a detailed breakdown of principal, interest, and any fees. 2. The name and address of the original creditor. 3. Copies of any contract, agreement, or other documents bearing my signature that show I am legally obligated to pay this debt. 4. Proof that your company is licensed and authorized to collect this debt in my state. 5. The date of the alleged debt and proof that the statute of limitations has not expired. Until this information is provided, you must cease all collection activity, including reporting or verifying this debt to any credit reporting agency. This letter is not an acknowledgment of any debt or a promise to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I fax in the " Request for GAP Cancellation '' form to XXXX XXXX XXXX. I purchased a used XXXX XXXX XXXX from XXXX of XXXX XXXX on XX/XX/XXXX. I was due full refund of {$1400.00}. I was cancelling because I refinanced the loan and was given a much cheaper GAP policy from that lender. XXXX XXXX received the fax. I found out a few days later they had forwarded to a company called XXXX XXXX XXXX XXXX as the administrators of the policy. I contacted them on XX/XX/XXXX and confirmed they had told the dealer to release the refund on XX/XX/XXXX. I have not received that refund as of today XX/XX/XXXX. I contacted XXXXXXXX XXXX XXXX again yesterday, XX/XX/XXXX, and they told me that they had sent the dealer an " invoice credit '' to release the refund to Wells Fargo so they send me the refund. I confirmed via text with XXXX XXXX XXXX XXXX dealer that " I checked on the rebate for you and it has already been taken from our dealer reserve '' and that was done on XX/XX/XXXX. I contacted Wells Fargo again to ask where my refund was. The representative first said that " we sent them a fax and it didn't go through. '' Then she put me on hold to supposedly speak to their GAP department, and came back saying several things : " North Carolina requests we hold the funds for 120 days, ( then ) " the GAP administrator ( XXXXXXXX XXXX XXXX ) hasn't responded '' ( not true ) then when I challenged her she said " that they hadn't received the funds from the dealer '' ( not true ) so I asked to speak with a someone in the GAP department. I was told they didn't speak to customers. Then I asked to speak to a supervisor or manager. She put me on hold again and came back and said she was in a meeting, but would send me to her voice mail. I left her a voice mail. It has been over thirty days since the dealer says Wells Fargo has received my {$1400.00} refund. Wells Fargo keeps giving different answers ( and that contradict each other ). I know from the dealer directly via email that Wells Fargo debited the dealer {$1400.00} on XX/XX/XXXX. Please help me resolve this issue.

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 monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I paid off my credit card on XX/XX/year>. I was told my card is restricted for 30 days due to a return payment in XXXX. I can not sue car for 30 days. So I asked was this legal and do they have documentation to prove this. They responded by saying they do not and can not email anything to me. That is against the law to make up rules on credit cards.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
CFPB Regulation E Violation Complaint. I am filing this formal complaint against U.S. Bank for explicit violations of the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, 12 CFR Part 1005 ( Regulation E ), specifically regarding consumer liability for unauthorized transfers and the timing of disclosure.1. Violation of Regulation E Disclosure and Notice Rules ( 12 CFR 1005.9 & 1005.11 ) Recently, I discovered that a U.S. Bank government benefits prepaid card ( state child support card ) was issued in my name in XXXX. I had zero knowledge of this card, never received it, and never authorized it. U.S. Bank failed to provide me with periodic statements, history, or access to this account. Under Regulation E, the 60-day window for a consumer to report unauthorized transactions does not begin until a statement reflecting the fraud is actually made available to the consumer. Because U.S. Bank never provided me with access or statements, my recent reporting of this fraud is timely, and the regulatory clock begins from my date of discovery.2. Violation of Consumer Liability Limits ( 12 CFR 1005.6 ) Upon discovering the account, I found that the child support funds loaded in XXXX were entirely depleted by an unauthorized third party via identity theft. Regulation E strictly limits consumer liability for unauthorized transfers when a card is used without permission. Because I did not know the account existed, I could not have prevented or reported the transfers sooner. U.S. Bank is violating 1005.6 by attempting to hold me 100 % liable for XXXX transactions on a card I never possessed.3. Violation of Error Resolution Procedures ( 12 CFR 1005.11 ) I contacted U.S. Bank to initiate a formal error dispute. U.S. Bank is refusing to investigate or refund my stolen funds unless I provide an arbitrary " full historical report '' from XXXXdocuments that I legally and physically do not possess because the account was hidden from me. Under Regulation E, a bank can not place an impossible burden of proof on an identity theft victim to block an investigation. I have validated my claim by filing an identity theft report with local law enforcement. Case/Incident # XXXX with the XXXX XXXX sheriff department .

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am disputing the accuracy and completeness of my banks transaction records and the handling of my account activity. I requested a full, detailed transaction history that includes exact timestamps, running balances, and available balances after each transaction. I also requested documentation explaining holds and how transactions were processed and authorized. The bank has not provided this level of detail. Instead, I was given partial transaction summaries that only show dates and amounts, without time-of-day stamps, balance progression, or clear posting order. Because of this, I am unable to verify the accuracy of my account activity or determine whether transactions and fees were processed correctly. There is also an unresolved issue involving a {$200.00} secured credit card hold, which I requested documentation for, including the exact date and time it was placed and how it impacted my available balance. The bank has not provided this information. In addition, I requested an explanation of how transactions were approved or processed when available funds may not have been sufficient at the time of posting. No clear explanation has been provided. I have made multiple requests for complete records, but the bank has not provided an auditable, chronological ledger with full balance history. I am requesting that the bank provide : * Full transaction history with timestamps * Running balance and available balance after each transaction * Documentation of all holds, pending transactions, and posting order rules * Written explanation of the {$200.00} secured card hold and its timing * Clarification of how transactions were authorized and processed Without this information, I can not verify the accuracy of my account activity or resolve this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Company name : I. C. System Inc I never received anything from this collection company not even after requesting. The account in question is inaccurate and incomplete, and therefore must be removed under the Fair Credit Reporting Act ( FCRA ). The collection account no longer appears on my XXXX credit report, indicating that the furnisher has either deleted the account, updated its reporting, or otherwise determined the information to be invalid. Because XXXX is reporting information that is inconsistent with another major credit bureau.

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 2026-06-12 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I booked a room with XXXX through XXXX for XXXX. The email and receipt ( both are attached ) clearly state that there are no mandatory fees. The only mandatory charge when I arrive should be the deposit. When I arrived they illegally forced me to pay a housekeeping fee for the stay at check in. This is illegal drip pricing because this mandatory fee was not disclosed. I complained to XXXX who said they contacted XXXX and they refused to refund. I then filed a credit card complaint with Barclaycard. Barclaycard closed my complaint without ever contacting me or asking for any documentation.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Product : Consumer Loan / Personal LoanCompany : Prosper Funding LLCLoan ID : XXXX Description of Incident : I am filing a formal complaint against Prosper Funding LLC regarding an operational failure, unfair billing practices, and a complete breakdown of customer service communications that has left my loan funds withheld since XX/XX/year>. On XX/XX/year>, my Prosper personal loan ( ID : XXXX ) was disbursed. However, due to an incorrect bank account number, the ACH transfer bounced back and the funds were returned directly to Prosper. Since that date, the loan funds have been sitting in a clearing account held by Prosper or its originating partner bank, XXXX. Despite making daily, proactive attempts to resolve this issue and update my routing and account details, I am subjected to a broken customer support loop. Every time I call, I am connected to a different frontline representative and forced to explain the entire situation from the beginning because internal notes are not being utilized effectively. On XX/XX/year>, I successfully reached XXXX Verification Department. The agent explicitly confirmed the issue and attempted to contact the Funding Director to manually clear the block and re-disburse my funds. However, the Funding Director failed to answer. The Verification Department was unable to resolve the issue due to this internal communications barrier, leaving my funds frozen. Prosper has set my first payment due date for XX/XX/year>, and is currently charging me interest. It is a violation of fair lending practices to require payment and charge interest on a loan balance that I do not possess and can not access due to the company 's internal operational deadlock.

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 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Received a Letter from IC System Inc, a Debt Collection Company on XX/XX/XXXX indicating that I owe {$320.00} due to a past Balance with XXXX XXXX XXXX. Filed a dispute through a written complaint immediately with IC System Inc on XX/XX/XXXX through Certified Mail seeking itemized details for the charges and the service address where the charges were incurred. They have not responded to date. Contacted XXXX XXXX XXXX immediately to get details about the debt. They indicated that that the charges were incurred between XX/XX/XXXX and XX/XX/XXXX to the tune of {$320.00}. I informed them that I sold the property in XXXX and have promised to provide them with proof of sale and that I am not responsible for any charges incurred after the sale. They indicated that due to an existing Return to Owner ( RTO ) agreement in place, they reverted the account back to my name when the property changed hands in XXXX and the new owner did not sign up with XXXX XXXX XXXX. I informed them that RTO does not apply in this case, as I am no longer the owner since XXXX and that it was an account management error on their part. Submitted a formal written complaint to them stating the facts again and requesting them to cancel the debt and inform IC System immediately and cease all further collection activity. They replied back, without addressing the core issue, which is that I am no longer the owner of the said property and RTO does ot apply in this case. Instead they simply stated they reverted the account back to me due to RTO agreement in place. I have filed one more written complaint with XXXX XXXX XXXX with a request for supervisory review of the issue, seeking immediate resolution and am still waiting for their response. These charges are baseless. In their own words, the charges were incurred in XXXX, which is 5 years after the sale of the property. I am requesting immediate resolution of the matter by canceling any dues in my name since the sale of the property in XXXX and cease all further collection activities in this regard. Thank you.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Every time I make a paper check deposit funds are automatically held for low periods of time event after the check was verified and released from the paying bank. The branches has no answers to why.

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 2026-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I disputed a collection account being reported on my XXXX credit report. The collection agency provided documents listing another individual as the resident responsible for the charges, yet the account continues to be reported under my credit file. I requested verification specifically establishing my responsibility for the debt, but XXXX continues verifying the account without addressing the documentation provided. I am requesting a reasonable reinvestigation and correction of inaccurate reporting under the Fair Credit Reporting Act.

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 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had a credit card with Citibank since XX/XX/year> with a credit limit of XXXX. For the past 2 years, my balance has been at or near the credit limit but I have never made a late payment on this card. Recently, my income has increased, and my ability to pay down the balance has improved as well. I made an {$8000.00} payment to reduce the balance to {$400.00}. Two days after I made this payment, they reduced the credit limit from {$8500.00} to {$640.00}! I made the payment to improve my available credit and my credit score. The reason they gave is this : Our decision was based, in whole or in part, on information obtained from the following consumer reporting agency : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX At this time, my credit score and other factors had not yet changed and were not posted to my credit report. I believe they acted preemptively and their actions were negligent.

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