vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 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: LA

Complaint narrative:
I'm in the XXXX  and XXXX  at XXXX XXXX XXXX and per the Service members relief act I'm not supposed to be charged more than 6 % interest. 
So I would like all of my credit cards interest to be lowered to 6 % as the SCRA states it should be. 


XXXX. Enforcement of Servicemembers Civil Relief Act ; Uniformed Services Employment and Reemployment Rights Act ; notice requirements A. ( 1 ) The provisions of the Servicemembers Civil Relief Act ( 50 U.S.C. 3901 et seq. ) ( SCRA ) and the Uniformed Services Employment and Reemployment Rights Act ( 38 U.S.C. 4301 et seq. ) ( USERRA ) are adopted and made a part of this Part, and all of the benefits, protections, and rights provided in SCRA and XXXX  shall be applicable to all persons called to service in the uniformed services as defined in XXXX. XXXX and shall be enforceable pursuant to the provisions of this Section. 

( XXXX ) XXXX XXXX shall make available the following notice that every employer shall post in a conspicuous place in each employment establishment : " If you are in the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have certain protected employment and reemployment rights, freedom from discrimination rights, and civil relief rights under federal law 38 U.S.C. 4301 et seq. ( USERRA ) and 50 U.S.C. 3901 et seq. ( SCRA ) and state law XXXX. XXXX et seq. ( MSRA ). If you feel that you have been discriminated against or denied such rights on account of your service in the uniformed services, contact the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX at XXXX. '' B. The district courts of this state shall have jurisdiction over proceedings involving the Servicemembers Civil Relief Act, and the Uniformed Services Employment and Reemployment Rights Act, which shall be governed by the rules applicable to ordinary proceedings.

C. The district and appellate courts shall give preference in scheduling such proceedings, upon the motion of any person in the uniformed services, or the person 's attorney, who presents certification that the person has performed service in the uniformed services or is in service in the uniformed services. 

D. Suits to enforce the provisions of this Part may be instituted in any court of competent jurisdiction and appropriate venue by the attorney general of XXXX. 

Acts XXXXXXXX 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 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, provides that the Act shall have both retroactive and prospective application and shall also specifically be applicable to all persons called to service in the uniformed services as of XX/XX/XXXX, and as now defined in XXXX. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc.
State: AL

Complaint narrative:
I am submitting this complaint to request a discretionary goodwill review of a XXXX late payment reported by Kikoff. 
In XX/XX/2024, I experienced a sudden and significant reduction in income after losing XXXX of my jobs. While I did not become fully unemployed, this loss represented a substantial portion of my monthly income and caused an unexpected cash-flow disruption. This directly led to the temporary delinquency on my Kikoff account. 
Once my income stabilized, I immediately brought the account current, paid the balance in full, and voluntarily closed the account in XX/XX/2024. The delinquency was isolated and not the result of ongoing financial mismanagement. 
I previously submitted a goodwill request to Kikoff and provided documentation showing loss of income. Kikoff responded that they could not review the request unless I provided documentation for hospitalization, inability to work, or unemployment, which does not reflect the nature of my hardship.

I am not disputing the accuracy of the reporting. I am respectfully requesting that Kikoff conduct a manual, discretionary review of this account and consider removing the late payment as a goodwill adjustment based on : The temporary and non-recurring nature of the hardship The account being paid in full and closed Kikoffs stated mission as a credit-building product Continued reporting of this delinquency undermines the remedial purpose of the product, despite my prompt remediation and responsible resolution of the account.

I am requesting that Kikoff reconsider my request through its compliance or executive review team and respond with the outcome of that review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I notified Synchrony Bank XXXX  months ago that the XXXX XXXX Credit Card ( XXXX ) that they added to my online account portfolio, did not belong to me and I notified them that this account belongs to my son, XXXX XXXX XXXX, XXXX despite sending Synchrony Bank numerous requests by chat, phone calls and personal emails to the CEO, XXXX XXXX and the entire XXXX Staff, requesting that they immediately remove this wrong account from me and it seems like they adamantly refuse to do what is morally and ethically right and necessary. I have submitted multiple fraud applications and letters that Synchrony Bank keep notifying me that they adamantly refuse to do this falsely claiming that after there investigation they found that I made this purchase in XXXX, I benefited from this purchase, I signed for this purchase, and this purchase was delivered to my home address, and my phone number was used to make this purchase, and it is being paid with my bank account when clearly all of these statements are bold faced lies because I have not had a XXXX  XXXX Credit Card since XXXX, that had a XXXX balance when Synchrony Bank closed it in XXXX. First and foremost my son, notified Synchrony Bank that this account is his that he purchased a gaming laptop and that this account is being paid from his XXXX  XXXX checking account. I honestly dont know what else I can do or send Synchrony Bank to fix this mistake once and for all. I recently notified Synchrony Bank to cease and desist with all further communications regarding this fraudulent account and yet they continue to annoy, aggravate and harass me about this credit card account that clearly does not belong to me. I was diagnosed with blood XXXX in XXXX, I have enough stress and aggravation with this diagnosis, the last thing I need is Synchrony Bank coming after me for a credit card account that is not mine.

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 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Property Receivables, Corp
State: IA

Complaint narrative:
I am receiving repeated debt collection calls from property receivables regarding a debt that is not in my name. 

The company is attempting to collect a debt they claim belongs to my partner. I am not the debtor, yet they call my personal phone number multiple times per day, often from different phone numbers, and leave voicemails every time. 

I have answered their calls and informed them repeatedly that : I am not the person they are asking for I am a third party I am requesting they stop contacting my phone number Despite this, the calls have continued daily. They do not call my partners phone number, only mine. 

The debt appears to be related to a former apartment. While my name was on the lease, the company never asks for me and only asks for my partner, confirming I am not the debtor. 

I believe this behavior violates the Fair Debt Collection Practices Act, including improper XXXX contact, repeated harassment, and continued communication after being informed they have the wrong person and after a request to stop contact. 

I am requesting that this company immediately cease all communication with my phone number and correct their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a purchase from XXXX for which I received a receipt showing a total of {$45.00}. My XXXX XXXX account later reflected a charge on XX/XX/XXXX for {$66.00} to a merchant identified as XXXX XXXX. I did not authorize a charge in the amount of {$66.00} and did not authorize any transaction with a merchant by that name. 

Before disputing the charge, I attempted to resolve the matter directly with the merchant. The item that arrived was not as described, was poor quality, and shipping had been misrepresented. The merchant claimed the order had shipped earlier than it actually did, and delivery occurred after the expected timeframe. I requested a refund from the merchant, but the merchant never responded. 

On XX/XX/XXXX, I submitted a dispute to XXXX XXXX and emailed detailed supporting documentation, including copies of the receipt showing the authorized amount and the different merchant name and posting date. 

On XX/XX/XXXX, XXXX XXXX denied my dispute, stating that they had mailed me a request for additional information and that, as of that same date, they had not received a response. They concluded that the charge was authorized and that no error had occurred. This denial occurred only XXXX day after I filed my dispute and submitted supporting documentation. 

When I contacted XXXX XXXX to ask why the dispute was denied and what information they relied upon, I was only told that my information did not match theirs, without any explanation or supporting documentation. A customer service representative then opened another dispute with a different dispute number, but I did not proceed with that second dispute because no meaningful details were provided regarding the original denial, and I was unsure what additional information could be submitted given that I had already sent a detailed email with multiple attachments supporting my claim. 

I later attempted to dispute the {$66.00} charge again as not recognized, but XXXX XXXX  rejected that attempt and stated that the charge had already been disputed. 

These actions indicate that XXXX XXXX did not provide a reasonable opportunity for me to respond before denying the dispute. 

XXXX XXXX later issued a final determination dated XX/XX/XXXX stating that the transaction was authorized and that no error occurred, but they have never explained how the charged amount, merchant name, or transaction date differed from the receipt I provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MO

Complaint narrative:
Are you kidding me with these prepaid card fees? 
Maintenance fees, overdraft fees, ATM fees- It's ridiculous that I'm being charged a fee just for USING my own money, every time I make a XXXX purchase! What even is this the privilege of spending what I already have? Give me a break! You want to charge me for breathing too? And for what? There are better options out there, from well more reputable, more widely accepted, and oh yeah, fee free options out there. This is just so audacious that I literally am taking time out of my day to tell you, so please... very non-respectfully, no consent needed, get absolutely XXXX. 

Sincerely, Everyone!

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 2026-01-23 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing this complaint regarding Goldman Sachs Bank XXXX handling of a credit card dispute involving XXXX XXXX. 
I purchased air transportation with a scheduled departure date of XX/XX/year>. XXXX XXXX denied transportation on the scheduled date. I never boarded or flew, and the ticket remained fully unused. No transportation service was ever provided. 
I disputed the charge correctly as Services Not Rendered under XXXX rules. Although provisional credits were sometimes applied, the dispute has been repeatedly closed and reopened without a substantive review. I have been required to reopen the dispute multiple times, only to have it refused again without meaningful explanation. 
Goldman Sachs representatives have stated that an internal outcome exists, yet the dispute has not been resolved in a consistent or transparent manner. The dispute appears to be procedurally blocked rather than evaluated on its merits. 
This is not a refund-not-received dispute. No refund promise is alleged. Under XXXX Reason Code XXXX ( Services Not Rendered ), a refund representation is not required where no service was delivered. 
I am requesting that Goldman Sachs conduct a senior-level review of this dispute, properly apply the Services Not Rendered standard, and issue a final determination based on the undisputed fact that no transportation service was ever provided. 
Supporting documentation has been retained and can be provided upon request. 

I am formally requesting reassertion of my dispute for the XXXX XXXX transaction under XXXX Reason Code XXXX Services Not Rendered. 
The scheduled service date was XX/XX/year>. XXXX XXXX denied transportation on the scheduled date. No boarding or flight occurred, and the ticket remained fully unused. 
This dispute is not based on a promised or missing refund. Under XXXX rules, a refund representation is not required where services were never rendered. 
The dispute has been reopened multiple times without substantive review, and I am requesting that it now be escalated for a proper evaluation under the correct reason code. 
Please confirm that this reassertion request has been received and routed for compliance-level review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX  XXXX flight attendants convinced me to sign up for the Bank of America credit card on the promise that the card comes with an annual " buddy pass '' or companion discount amounting to only {$99.00} for anybody to fly with me on a flight that I purchase a ticket for myself. I understand there are some terms and conditions, but those were not made clear to me, and I did not use the companion pass within a year of receiving it and it is now expired. Bank of America refuses to extend that pass beyond the XXXX year limit unless I spend another {$6000.00} with them. This was marketed to me as a benefit of being a card holder, not conditional upon my annual spending. Furthermore, this card is the only one that charges me an annual fee of {$99.00} simply for the privilege of having the card which has a usuriously high interest rate. Bank of America has made hundreds, or even XXXX  of dollars off of me since I opened this card XXXX years ago and now they are refusing to offer me even the bare minimum benefit for which I signed up. This amounts to false advertising, and abuse of customers in my opinion and I would like you to investigate them for these offenses.

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: IN

Complaint narrative:
Upon careful review, these inquiries are : XXXX. Inaccurate and unverifiable No permissible purpose or signed authorization exists that legally justifies these inquiries. XXXX. Reported in violation of FCRA 604 ( a ) ( XXXX ) These inquiries were not initiated by me and were made without a legitimate permissible purpose as defined by law. XXXX. Incomplete reporting under XXXX XXXX standards The furnishing entities failed to provide proper coding and field compliance that meet regulatory requirements. This discrepancy triggers a XXXX XXXX field compliance error, which mandates correction or deletion. As you are aware, XXXX  automated verification can not legally replace a factual investigation under FCRA 611 ( a ) ( 2 ). You are obligated to conduct a reasonable reinvestigation based on the specific information provided here. The continued reporting of these inquiries without proper verification is a willful violation of the FCRA and will be escalated. I demand the immediate removal of these inquiries within XXXX days, as required by law, and that a written confirmation of deletion be sent to me upon completion of your reinvestigation. If these unauthorized inquiries are not removed ; I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulators for non-compliance and violation of my consumer rights. This is your final notice. The use of automated response systems ( e.g., XXXX  ) is insufficient, and I will not tolerate a form letter response. This dispute requires manual handling and proper documentation of investigation steps to ensure compliance. Failure to remove these inquiries constitutes a serious violation of federal law and consumer protection regulations, and I will pursue all available legal remedies without further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Block, Inc.
State: NY

Complaint narrative:
I was locked out of my cash app account on XX/XX/year> after not using my account for several months due to XXXX  I finally got into my account I try to withdraw the funds after I linked my bank account to it they turned around and locked me out told me I'm on the XXXX to XXXX hours investigation now they're asking me to make another account so they could transfer the funds I've tried this with them already it didn't work and now they refuse to pay me out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
I am disputing a collection account reported by Harris & Harris with an alleged balance of {$600.00}. 

This account is inaccurate and has not been properly validated. I never received proper written notice containing the amount of the debt, the name of the original creditor, or my rights to dispute within XXXX  days as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Harris & Harris has failed to provide documentation showing : Proof that I owe this debt Proof of the original contract or agreement Proof that Harris & Harris has legal authority or assignment to collect this debt An itemized accounting of the balance claimed Additionally, this account is being reported to credit bureaus without full verification, which may violate the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurate and/or unverified collection account that appears on my consumer credit report. 

The collection account is reported by [ XXXX ] in the amount of {$220.00} and {$87.00}, with an alleged original creditor of [ XXXX ]. The account is reported as opened on or about [ XXXX ]. 

On [ XXXX ], I reviewed my credit report and discovered this collection account. I do not believe this account is being reported accurately and requested validation and verification of the debt. I disputed this account with the credit reporting agencies on [ XXXX ], requesting that the furnisher provide proper documentation to verify the accuracy, ownership, and balance of the alleged debt. 

Despite my dispute, the account continues to be reported without any evidence that the collection agency conducted a reasonable investigation or provided competent proof that the debt is accurate, belongs to me, or that they have the legal authority to collect or report it. To date, I have not received any documentation such as a signed contract, itemized billing, or proof of assignment that substantiates the debt. 

Additionally, the continued reporting of this account has caused harm to my credit profile, including negative impacts to my XXXX XXXX and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am disputing inaccurate credit reporting by Ally. I made all required payments on this account on time for the past XXXX months, yet the creditor reported all XXXX  months as late. I contacted Ally through secured messaging and customer support, but the issue was not resolved and no explanation was provided. I am requesting that the inaccurate late payment reporting be corrected.

Company response to consumer: Closed with explanation