vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I was contacted by National Credit Systems regarding an alleged rental debt of {$69.00} originally owed XXXX XXXX XXXX XXXX XXXX XXXX, with an original balance of {$320.00}. I called National Credit Systems directly to request documentation and validation of this debt. During that call, the representative informed me that payments had been made on this account reducing the balance from {$320.00} to {$69.00}. However, when I requested documentation of those payments, the representative was unable to provide a payment history showing when those payments were made, how much each payment was, or where they came from. I have no record of making those payments. I also discovered that the address National Credit Systems has on file for me is incorrect. Their file shows XXXX XXXX XXXX XXXX my address, which does not exist, and lists XXXX XXXX XXXX XXXX a move-out address, which I have never lived at. My correct address has always been XXXX XXXX XXXX XXXX XXXX, NY. On XX/XX/year> I sent a formal debt validation letter to National Credit Systems requesting complete payment history, move-out accounting, copy of original lease, and documentation of their legal right to collect this debt. They have not provided any of this documentation. National Credit Systems continues to report this unverified balance on my credit report across all three bureaus. They are attempting to collect an amount they can not verify with documentation, which I believe is a false representation of the amount owed. I am requesting that CFPB require National Credit Systems to provide complete verification of this debt or remove it from all three of my credit reports immediately. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: MD

Complaint narrative:
In XXXX I received notice that I would be transferred from XXXX XXXX XXXX credit card to Citi AAdvantage credit card, I had no choice in this matter. I was using my card and paying my bill normally up until XX/XX/year>, the cutoff and beginning of the transition period. I waited a month for my card and it never arrived. I called Citi and they said the account was currently closed but I would receive and could activate my new card in XXXX days, placing the new card arrival around XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that my account was closed and I would not be receiving a physical card, but to keep making payments. The reason on the letter stated that the account was closed " by XXXX or closed at your request, and any remaining balance has been transferred to Citi ''. This is not true or accurate. Today, XX/XX/XXXX, I called Citi to discuss the letter I received, got the run around, and was told my account was closed and to contact XXXX again. I called XXXX and confirmed that they did not close my account and I was in good standing as of XXXX when the migration to Citi began. I called Citi again and an agent told me they couldn't do anything and they can't reopen my account. I called XXXX back and a supervisor connected us to Citi, explained the the account was not previously closed, then Citi proceeded to tell me that this was not accurate and my account was permanently closed and could not be reopened. In short, XXXX automatically migrated my active AAdvantage account to Citi. XXXX confirms the transfer was clean, but Citi has locked me out, labeled the account closed, and refuses to issue my physical card while holding a balance.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am disputing Capital One 's handling of XXXX # XXXX and XXXX # XXXX. The merchant ( XXXX ) failed to provide a usable vehicle due to a safety/policy violation ( XXXXXXXX XXXX ), which the host admitted to in writing. I followed the merchant 's explicit support instructions to return the car immediately. Capital One is refusing to protect me as a consumer under the guise of network rules, despite clear evidence that the merchant kept my money for a service they did not provide. I have provided all the requested documents over XXXX times in an attempt to resolve this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a critical cyber-evidence supplement to open Complaints # XXXX and # XXXX. I am uploading critical evidence of a coordinated XXXX that occurred simultaneously with the unauthorized transfers on XX/XX/year>. My inbox was targeted by an 'email XXXX ' of over XXXX automated spam emails intended to mask the bank 's transaction alerts. This proves that a criminal account takeover took place. The banks claim of an 'authorized transfer ' is factually incorrect. The coordinated XXXX involving an email XXXX of over XXXX emails is a documented cybercriminal method used to mask unauthorized account takeovers and suppress bank alerts. My email provider, XXXXXXXX XXXX, has given me a log of my email, which includes messages received on XX/XX/year>. I am uploading the file showing the count on that day and highlighting the message-associated records.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank committed an unfair and deceptive billing practice regarding my credit card account. On XX/XX/year>, they briefly posted my statement online and then completely removed it. I regularly pay my bill in full every month XXXX days before the due date, but was physically unable to do so because Key Bank withheld the digital statement. Furthermore, Key Bank failed to deliver a paper statement until over a month late. Despite a flawless multi-year payment history, Key Bank charged me a {$56.00} interest fee on XX/XX/year>, and customer service refused to fix their own system error. I demand a full reversal of the {$56.00} fee and a correction to any internal negative marks. '' As soon as I was verbally informed of the balance over the phone, I paid the entire credit card balance in full that exact same day to protect my account. Key Bank is penalizing a customer with a multi-year history of paying in full, solely because of a two-day delay that their own website technical issue created. I demand a refund of the {$56.00} interest charge. ''

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: 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: NC

Complaint narrative:
Synchrony ( CareCredit ) is illegally double billing me for a single salon ( XXXX XXXX ) visit of {$670.00} on XX/XX/XXXX. The salon made a billing error and confirmed it was a mistake in XX/XX/XXXX. They also sent a letter to this effect to Care Credit. I fully paid the single legitimate charge of {$670.00} in XX/XX/XXXX. Synchrony is penalizing me for a merchant system error and is refusing to remove the duplicate charge violating the Fair Credit Billing Act. My payments were made to Care Credit using their " 6 month interest free '' program. My payment were made as follows - XX/XX/XXXX - {$150.00} ; XX/XX/XXXX - {$250.00} ; XX/XX/XXXX - {$270.00}. The bottom line is- I had one ( 1 ) salon visit which was paid in full and Synchrony ( Care Credit ) continues to insist that I owe for two visits, even though the salon itself has verified to Care Credit that I was only there once. Synchrony has threatened to report this " non payment '' ( not owed ) by various credit reporting agencies and also to accrue outrageous interest beginning in 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 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am filing a formal complaint against [ XXXX XXXX XXXX XXXX Jefferson Capital Systems ] for intentional and illegal credit re-aging in direct violation of the Fair Credit Reporting Act ( FCRA ). The original debt is for a [ XXXX XXXX XXXX XXXX XXXX XXXX account that went into permanent delinquency in XXXX when I moved out of my home. Under federal law, this debt hit its 7-year reporting limit and became entirely obsolete by XXXX This collection agency purchased or took over the debt in XXXX and has intentionally falsified the 'Opened Date ' to XXXX on my credit file. Furthermore, they have inaccurately listed themselves as the 'Original Creditor. ' This is a blatant attempt to trick the credit bureau 's automated system into keeping an obsolete, expired debt on my report for an extra 7 years ( until XXXX ). I disputed this previously and the collector falsely verified the rigged data. I demand that this obsolete trade line be completely and permanently deleted from my credit file immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
I thought my car was reposesed, called toyota and they said they didn't have the car. I proceeded to file a police report because I had parked the car in my building garage and thought it was stolen becuase toyota said they we're actively looking for the car. I got a call back from my police report saying the car was towed by XXXXXXXX XXXX XXXX and Auctioned off XXXX days later. I was never contacted by XXXXXXXX XXXX XXXX or Toyota Financial Services following the sale of the above-referenced vehicle. I was never notified that the vehicle had been towed or that it would be sold. The towing company, XXXX XXXX in XXXX states they sent XXXX letter to an old address where I no longer lived. They did not contact me by phone, email, or any other means. Crucially, Toyota Financial Services received a certified letter from XXXX XXXX on XX/XX/2025 notifying Toyota that the vehicle was in custody and would be sold. Toyota has admitted to me over the phone that it received this notice but chose not to redeem the vehicle because the towing fee was allegedly too much. Toyota also admits that it never contacted me to inform me of the situation. Under Washington law ( UCC 62A.9A-610 and 62A.9A-611 ), a secured party must dispose of collateral in a commercially reasonable manner and must send reasonable notice of the sale to the debtor. Toyota failed on both counts Here is what happened : My car was towed in XXXX by XXXXXXXX XXXX XXXXXXXX. They sent XXXX letter to my old address, so I never received it. XXXXXXXX XXXX XXXXXXXX sent a certified letter to Toyota ( the lienholder ) on XX/XX/2025, telling them they had my car and planned to sell it. Toyota received that letter but did not notify me at all. They also chose not to pay the tow fee or redeem the car. I spoke to Toyota. They told me they likely let the towing company sell the car because they decided it was not worth getting back even though my loan balance is {$52000.00} and the car had significant value. The car was sold at auction for {$17000.00} even though it's worth {$52000.00} without my knowledge. I now owe {$52000.00} on a car I no longer have. I believe Toyota violated XXXX law by failing to notify me before the sale and by disposing of the car in a commercially unreasonable way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Since XXXX of XXXX, I have been having trouble with this company ( XXXX XXXX XXXX XXXX ) applying my payments. Initially, I was completing payments directly on the website ( via online payment ) but based on my time and to ensure the payments would be applied by the due date, I started using my online banking bill payment process. Since it would take over XXXX days for the payment to reach the merchant due to the company not accepting XXXX payments from my bank, I ensured my payments were mailed XXXX days in advance. Depsite this effort, it would appear that my payments would not be applied until literally the day following the due date. As a result, the company would assess a {$41.00} late fee. To ensure the company was paid, I would immediately make an online payment ; therefore it would be XXXX payments for the same month reflected. I noticed this pattern, contacted and informed the company and after XXXX late fee assessments ( which the company could clearly see the payment was made ), they waived the fees. Last month, XX/XX/XXXX, I enrolled in the automatic payments for my payment to be deducted on the XXXX of each month. On that same day, I made a online payment using the same card. On XX/XX/XXXX, I received an auto text informing me that my payment was scheduled to be deducted on the XXXX of XXXX ( my preselected date, per last month 's setup ). I had no reason to believe the payment was not applied. Today, XX/XX/XXXX at XXXXXXXX XXXX, I received an email informing me that my payment was past due. To my dismay, I immediately reviewed my online account, confirmed that the payment was to be deducted on the XXXX and I saw a {$41.00} late fee. I contacted the company to inquire as to why the payment was not processed. They proceeded to inform me that while the card was added, it appeared that the expiration date ( XX/XX/XXXX ) had expired. This was preposterous! The company is intentionally delaying payments to assess late fees. I have documentation to support that I used the same card last month to set up the payment as I did to make a payment on XX/XX/XXXX, and again today, XX/XX/XXXX. I am formally requesting the {$41.00} late fee that was erroneously charged is removed and my debit card that I have continued to use, company continues to accept is no longer applied after the due date.

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 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Financial/Bank is not answering calls regarding the XXXX XXXX XXXX XXXX they previously managed. On XX/XX/XXXX a transaction was made from XXXX account ending in XXXX using a bill pay service administered by XXXX XXXX XXXX XXXX XXXX XXXX subsequently paid Synchrony ( Synchrony Financial/Synchrony Bank ) . XXXX XXXX XXXX claims to XXXX that the transaction was successful. However, Synchrony no longer handles the XXXX XXXX XXXX XXXX XXXX and per the recorded message on Synchrony Banks support line for XXXX XXXX XXXX any payment made after XX/XX/XXXX will be rejected. The payment appears to have not been rejected. All attempts to contact Synchrony regarding a transaction for XXXX XXXX XXXX are rejected, and it appears no system, team or service exists to support a transaction that would be sent to Synchrony. The payment exists in one of the institutions listed in this letter upon which the request for refund is requested. Multiple attempts starting on XX/XX/XXXX and continuing through XX/XX/XXXX to resolve this issue with XXXX, XXXX, and Synchrony have failed. On XX/XX/XXXX and again on XX/XX/XXXX I was informed by a XXXX agent that the rejection of my claims were in error and that the funds would be returned to my account. The return was approved by a manager in the Digital team, I was refused when I asked for a name. XXXX only provides first names, rendering any name given nearly useless. See XXXX Case/Claim numbers : XXXX, XXXX Synchrony Financial/Bank will not take calls or communications about the XXXX XXXX XXXX card. XXXX claims that their contract with XXXX prohibits them from speaking directly with the consumer. XXXX can not reach Synchrony Bank either and is refusing to refund the money until they can contact them.

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 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: CO

Complaint narrative:
I am filing this formal complaint against American Profit Recovery for reporting an unverified and disputed collection account on my credit profile, originally associated with " XXXXXXXX XXXX XXXX XXXX '' for the amount of {$220.00}. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally disputing the validity of this debt, the accuracy of the balance amount being reported ( {$220.00} vs {$220.00} owed with no interest breakdown ), and this agency 's right to furnish this data. As noted in the file named " 3-Bureau Credit Report & Scores | XXXX '', this collection is severely damaging my consumer credit rating. I have attempted to contact American Profit Recovery to resolve this matter amicably via a standard settlement and absolute deletion of the tradeline, but the agency refused to provide compliant options or validation beforehand. Because I am disputing the absolute accuracy of how this account is being formatted and reported to XXXX XXXX XXXX I demand full validation of the debt. If American Profit Recovery can not immediately provide the original signed contract, complete itemized billing statements from XXXX XXXX XXXX XXXX, and proof of their legal authorization to collect this specific amount, they must cease all reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF HAWAII CORPORATION
State: CA

Complaint narrative:
Opened bank of Hawaii account in month of XX/XX/XXXX. Expected to be enrolled in two bonus programs, one for checking and one for savings. Called on XX/XX/XXXX to confirm bonus enrollment. Was told I actually was not enrolled. Called on XX/XX/XXXX, spoke with XXXX on XXXX, XXXX. Requested closure of account and waiver of XXXX dollar service fee. XXXX advised " we can not return the fee ''. Trying to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Lease
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: VW Credit
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXXs for severe account mismanagement and inaccurate credit reporting. On XX/XX/XXXX, my leased/financed vehicle was involved in a severe hit-and-run accident and deemed a total loss. In XX/XX/XXXX, my insurance company processed the total loss claim and sent a full loan payoff check directly to XXXX XXXX XXXX.Instead of processing this correctly, XXXX XXXX XXXX misapplied my insurance payoff check to an incorrect vehicle/account. Due to their internal accounting error, they threatened repossession of my totaled vehicle in XX/XX/XXXX. I spent 45 minutes on the phone with customer service to trace their mistake. Representatives confirmed the error and assured me it was fixed. I was told to wait 7 to 8 weeks for a zero-balance payoff letter. Instead of receiving a bill, invoice, or a zero-balance letter, I discovered in XX/XX/XXXX that XXXX XXXX XXXX sent my account to a collections agency for an unbilled {$92.00} fee. They claim a notice was sent in XXXX, which I never received. Furthermore, sending a consumer to collections within a 30-day window without prior billing violates consumer protection timelines.I have spoken to multiple supervisors who refuse to provide an itemized statement for this {$92.00} fee or remove the collection mark from my credit report. I am willing to pay the {$92.00} immediately, but only on the condition that XXXX XXXX XXXX provides an itemized statement, issues a formal Zero-Balance Letter, and requests a complete deletion of this collections trade line from XXXX XXXX XXXX XXXX. This collection is a direct result of XXXX 's automated system glitching after their initial payment-mapping error.

Company response to consumer: Closed with monetary relief