vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 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: MA

Complaint narrative:
XXXX I bought XXXX $ worth of clothing on XX/XX/year>. I paid bill in full on XX/XX/year>. Have sent multiple fax to Synchrony bank. I have opened disputes multiple times and sent from my bank proof of payment. Every 30-60 days I receive notification that none of my proof is acceptable. It's now over a year and they have added interest. I'm XXXX XXXX XXXX and I'm feeling harassed and threatened. I paid the bill in full and my bank has faxed proof and I have also. Please help.

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 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XXXX XXXX we purchased a XXXX XXXX at a XXXX property in XXXX.They told us American Express had a credit card available with 0 % interest for 12 months. I applied on their computer and was immediately approved. I also took a picture of their computer screen showing the 2 cards with 0 % that were available. I chose the one with XXXX XXXX points and a {$150.00} annual fee. We put {$10000.00} of our purchase on that card to get the year with no interest. We were traveling but the card was sent to a Utah address. Upon returning to Utah we found the card, but also found it had a {$550.00} annual fee and was not 0 %. American Express was immediately contacted and we were told no 0 % card was offered at the time I applied. I sent them the picture of the XXXX computer screen showing 2 cards offering 0 % at the time of the application. After numerous phone calls and them giving us the same response they finally admitted their WAS a 0 % card offered, but that was not what I applied for. We have contacted them several times since with the same result. At this time they say we can not get the 0 % card so our only options are pay it off or pay the extremely high interest rate. XXXX is encouraging people to get the 0 % card but American Express is not honoring that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I am disputing a solar loan financed by GoodLeap in connection with a residential solar installation. The solar system was marketed and sold to me with representations that it would be properly installed, activated, and would substantially reduce or replace my dependence on XXXX XXXX XXXX XXXX service. Based on those representations, I applied for and obtained financing through GoodLeap. After installation, I began making monthly payments on the GoodLeap loan. However, I continued receiving significant XXXX XXXX XXXX utility bills. When I contacted the installer, I was repeatedly told that the system would be activated and that any issues would be corrected. Despite these assurances, the problems continued. I later contacted XXXX XXXX XXXX directly and was informed that required permits had not been completed and that the system could not legally operate as represented. As a result, I continued paying both the GoodLeap loan and XXXX XXXX XXXX utility bills while not receiving the promised benefit of a properly functioning solar system. I subsequently learned that GoodLeap filed UCC Financing Statement No. XXXX and UCC Amendment No. XXXX, creating a security interest in the solar equipment and related collateral. I do not believe the implications of these filings, the XXXX Balance provision, or the potential payment increase provisions were adequately explained to me before signing. I submitted a formal dispute and cancellation request to GoodLeap and requested copies of all relevant records, including disclosures, audit trails, electronic signature records, UCC-related documents, and other supporting documentation. GoodLeap acknowledged my dispute and opened an investigation. However, instead of addressing the core issues involving the failed solar project, continuing utility bills, installer representations, UCC filings, and inadequate disclosures, GoodLeap focused primarily on whether I possessed written guarantees from the installer and whether I had read the loan agreement before signing. GoodLeap has not yet provided a complete resolution, cancellation, or adequate response to the substance of my dispute. I request that GoodLeap conduct a full investigation, provide all requested documentation, maintain the account in disputed status, cease any negative credit reporting, and provide a fair resolution, including cancellation of the disputed obligation if warranted by the findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: KY

Complaint narrative:
I was the victim of the gift card scam on XX/XX/year>, totaling {$1100.00}. It was my first day at work, and the scammer had somehow bypassed the security protections in our work emails and impersonated my boss via email and text. This happened to another employee as well for {$1800.00}. I have contacted my bank, the FBI, DHS, the local police department, XXXX ( as this is where the gift cards were purchased ), and the FTC regarding this issue. I have no ability to use my credit card, and it is completely maxed out due to this scam. Prior to this, my credit card was paid off in full. This is my first credit card, and I always make sure to pay it off to try and build my credit. This amount will be reported to credit bureaus, and I have no idea how to combat this. The emails were labeled as my boss 's name, and it was my second day at work. The scammer knew personal details like when my boss was in meetings, when I was in meetings, and other firm events that were taking place. I proceeded to receive calls, XXXX 's, and texts from fake numbers harassing me after I reported the scam to the police. I truly do not know how to get my money back because they are smart enough to make it where it isn't an act of fraud for the bank to be able to recover the funds. I have thorough documentation of the events including the emails, texts, reports filed, and I still have the gift cards with my receipts. I am hoping someone could please help me with this as this one scam has financially ruined me as a XXXX XXXX XXXX. The bank was in charge of the fraud claim and failed to inform me that this would not be considered fraud and closed the claim without telling me, so the amount was reported to credit bureaus. I opened yet another claim for dispute, but this could take up to another 10 days just to be opened. Several U.S. Bank employees failed to tell me that this matter was not fraud. I could have had this matter resolved by now. My card is completely maxed out and I am the victim to this scam as well as incompetent bankers that refused to properly handle my case, resulting in a poor credit report. This is absolutely unacceptable. I had the matter escalated but the time frame of 10 additional days still stands. I had to contact the bank myself to figure out why my credit card was not working AFTER a US Bank employee told me the {$700.00} was removed from my credit card and the {$400.00} was removed from my debit card.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, GA XXXX I have paid them and Im up to date on payments I have nothing owed I am disputing inaccurate information that XXXX is reporting to the credit bureaus. XXXX is reporting late payments for XXXX, but this information is incorrect. I do not have an active credit card account with XXXX, yet they are still reporting negative information on my credit report. The account itself is inaccurate and should not be appearing at all. XXXX has also been constantly contacting me, even after I told them to stop. This violates FDCPA 805 ( 15 U.S.C. 1692c ), which restricts over-contact, communication after a cease request, and harassment-style outreach. Their repeated calls and messages are unlawful.

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 2026-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am submitting this complaint regarding Capital One account ending in XXXX. I reported this account to Capital One as identity theft and submitted a fraud claim. On XX/XX/year>, Capital One denied my fraud claim. In its denial letter, Capital One stated that activity on the account allegedly indicated that I opened and interacted with the account and further claimed that I had previously submitted a proposal allowing the account to participate in a third-party debt-consolidation program. However, Capital One did not provide the documents supporting these conclusions. I have not been provided with the account application, account-opening records, signature records, records showing that I opened or used the account, records identifying the alleged debt-consolidation company, enrollment documents, or other evidence relied upon in denying my fraud claim. Capital One 's letter references an entity identified as XXXX XXXX Services. I do not recognize this company and Capital One has not explained the relationship between this entity and the disputed account. I can not verify activity on an account that I contend was opened through identity theft. I am requesting the documentation relied upon by Capital One in denying my fraud claim and determining that this account belongs to me. I can not verify activity on an account that I contend was opened through identity theft. Capital One 's response consists of conclusions without providing the underlying documentation supporting those conclusions. I am requesting that Capital One provide all documents relied upon in denying my fraud claim, including the account application, records showing that I allegedly opened and used the account, and records relating to the alleged debt-consolidation program. If

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint against Citibank , N.A . regarding the abrupt and unexplained closure of my co-branded Citi / AAdvantage XXXX XXXX ( Account ending in XXXX ). This account was recently transferred to Citi from the XXXX AAdvantage portfolio during a portfolio conversion. Prior to the transfer, I held this account in excellent standing for many years under XXXX, with a pristine payment history and no adverse actions. I am also a long-standing XXXX XXXX AAdvantage XXXX XXXX member . On XX/XX/year>, I received notice from Citi that this account had been closed. I am formally submitting this complaint because Citi is failing to adhere to federal regulatory requirements regarding adverse action notifications. Pursuant to the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) and Regulation B ( 12 C.F.R. Part 1002 ), the termination of an account constitutes an adverse action. Under 12 C.F.R. 1002.9, I am legally entitled to a statement of specific reasons for this closure. A general reference to internal policy is legally insufficient. Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681m ( a ) ), if this decision was based in whole or in part on information in a consumer report, Citi is required to identify the consumer reporting agency and provide notice of my right to a free file disclosure. I have strong reason to believe this is an instance of industry-targeted " debanking '' rather than a decision based on individualized financial risk. Approximately three years ago, Citi closed other accounts of mine connected to my lawful involvement in the digital-asset industry. I am concerned that the closure of this transferred, good-standing credit card reflects a continued reputation- or industry-based discrimination practice, which federal banking regulators have recently scrutinized.

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 2026-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc.
State: KY

Complaint narrative:
CFPB complaint XXXX is 60 days old and still no response. I have requested the following information. full written validation, full written validation, including the original creditor, the amount owed, and documentation bearing my signature, Bill of sale, Purchase Order Agreement and Chain of title including the original creditor, the amount owed, and documentation bearing my signature, Bill of sale, Purchase Order Agreement and Chain of title. On XX/XX/year>, I only received the original creditor, the amount owed, and documentation bearing a signature. This is my 3rd time in asking for this information and You refuse to send the Bill of sale, Purchase Order Agreement and Chain of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
On no less than four separate occasions, Halsted Financial Services sent texts message to my mothers personal cell phone number. The text disclosed : ( 1 ) the existence of an alleged debt, ( 2 ) the original creditor as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( 3 ) the current creditor as XXXX XXXX XXXX, and ( 4 ) a proposed monthly payment amounts. My mother is not a party to this debt. I never provided her phone number to Halsted Financial, XXXX XXXX, or XXXX XXXX, and never authorized contact with her. When I contacted Halsted by phone on XX/XX/year>, the agent acknowledged the improper contact and apologized. I subsequently requested all future communication be in writing via email only. I submitted a settlement proposal on XX/XX/year> and a follow-up on XX/XX/year>. Neither has received a response. This conduct violates 15 U.S.C. 1692c ( b ), which restricts third-party contacts to obtaining location information only. The disclosure of debt details including creditor names and payment amounts to an unauthorized third party goes well beyond what the statute permits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
b'Supplemental Complaint Additional Misapplied AMEX Payment Discovered (XXXX XXXX XXXX) Related to CFPB Complaints Nos. XXXX and XXXX:\nI am submitting this supplemental complaint regarding additional evidence that became available after filing CFPB Complaints Nos. XXXX and XXXX.\nThis complaint concerns the same American Express account ending in XXXX (Card No. XXXX XXXX) and supplements my prior complaints regarding misapplied and unaccounted payments.\nAfter reviewing additional records from my XXXX XXXX XXXX account (Account No. XXXX), I identified a third payment transaction that was not included in my prior complaints.\nIn addition to the payments of:\n USD XXXX on XXXX XXXX XXXX\n USD XXXX on XXXX XXXX XXXX\nI discovered an additional debit:\n USD XXXX on XXXX XXXX XXXX\nThe XXXX transaction appears on my XXXX account statement under the description:\n"AUTHORIZED DEBIT XXXX AMEX PAYMENT"\nLike the XXXX and XXXX transactions, this payment was debited from my XXXX account specifically as an American Express payment.\nTherefore, the total amount removed from my XXXX account for purported American Express payments is now USD XXXX.\nAmerican Express previously informed me that the XXXX and XXXX payments were allegedly credited to a third party identified as "XXXX XXXX XXXX" rather than to my American Express account.\nI have found no evidence that the XXXX XXXX XXXX payment was ever credited to my American Express account, nor does it appear in my American Express statements or transaction history for XXXX.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDICO. INC
State: SD

Complaint narrative:
I have been working with XXXX XXXX and Credit Collections Bureau for 2 years. I have been making payments out of my checks. He has been calling and harassing my place of business. I sold my house on XX/XX/year>. I had a lien on my house with XXXX and discussed this with XXXX. XXXX agreed there was a lien and that when the title company calls he or his coworker will give them the information. XXXX XXXX XXXX from XXXX ( his name is XXXX ) spoke with his coworker at XXXX and it was written and signed that my balance was XXXX. I never received a release from XXXX saying my collections was paid off so I called to ask about getting it. XXXX, who is being recorded, said that his coworker gave the title company the wrong account as there are two XXXX XXXX. He said the fault was on his side but I am to still pay the balance. I then contacted my realtor XXXX XXXX and he contacted XXXX at XXXX XXXX, who both say that it is not my fault that that had happened and that is not mine to worry about. Since this, XXXX has called me and we have argued twice about this, including today XX/XX/year> when he called my place of work and started harassing my coworkers about where the owner was before speaking with me. Once I was on the phone he repeated his collections saying and asked if i received his mail- he sent me and my work a certified letter saying i still have a balance. Pay in mind, NONE of the money that was paid off in the house selling that paid the other XXXX XXXX account off and not mine. My account was never credited for it. My general manager is not happy with the harassment and the disrespect I am getting. I have now reached out to Attorney XXXX XXXX to counter sue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NM

Complaint narrative:
Nelnet is actively billing me on a newly separated loan before the Department of Education has transmitted my historical IDR payment counts. I filed an XXXX complaint, which was automatically rerouted back to Nelnet. Nelnet is refusing to apply a mandatory processing administrative forbearance while the federal government compiles my data, forcing me into immediate financial hardship and threat of delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I had money left in my account with Bank of America before they randomly closed my account. I tried going to the bank to retrieve my money on XX/XX/year> but they told me a check was mailed and should arrive by XX/XX/year>. It is now XX/XX/year> and I have yet to receive the check. I called to confirm the address on file and it is correct. I asked why my account was closed and was only told that they would no longer wish to conduct business with me. I asked if the supposed check could be canceled since it hasnt been cashed or at least could I get a new check sent to a different mailing address but unfortunately I was not accommodated. I just want my money that was in my account before they closed it unexpectedly and without cause.

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 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/2026, I discovered a collection account on my credit reports from this debt collector for {$110.00} related to a residential rental. I had never received any written notification about this debt before it was reported to the credit bureaus. Nothing! no validation notice, no notice of my right to dispute, no information about the debt itself as required by FDCPA 1692g. I contacted the company directly via email on XX/XX/2026 offering to pay the full balance in exchange for removal from credit bureaus. The representative responded with one word : " Denied. '' I followed up multiple times in XX/XX/2026 explaining that I was never contacted before they reported this debt to credit bureaus, and was never given the opportunity to dispute or pay it. The representative responded only with " We don't delete '' and ultimately stated " I'll note your refusal to pay '' and that is despite me repeatedly offering full payment. The company has never : - Sent any written validation notice as required by FDCPA 1692g - Provided notice of my right to dispute the debt - Communicated with me in any form before reporting to credit bureaus - Responded to my requests for proper documentation This is a clear FDCPA violation. The company furnished this account to credit bureaus without first providing the required validation notice or any opportunity to dispute, which is prohibited under Regulation F 1006.30 ( a ) ( 1 ) ( i ) which is the debt parking prohibition. One credit bureau ( XXXX ) has already deleted this account after their investigation. The other two, XXXX and XXXX, bureaus continue to report it despite multiple disputes and saying its verified but have not fully investigated the way this account was furnished and continues to affect my credit and my reputation. I have the full email correspondence with the company showing they can not deny they failed to send proper notice.

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