vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding XXXX and Comenity Bank for what I believe are deceptive, misleading, and unfair business practices related to a 24 month deferred interest financing promotion. 
On XX/XX/XXXX, I purchased a bedroom set from XXXX ( Invoice attached ) using the XXXX branded retail credit card issued by Comenity Bank. The receipt clearly states that the purchase qualified for 24 months deferred interest. 
Several items in the bedroom set arrived damaged and could not be repaired. XXXX acknowledged the issue and completed an exchange on XX/XX/XXXX. This exchange was required due to XXXX  error, and the corrected merchandise was not delivered until that date. 
Because the original items were defective and had to be replaced, the 24 month deferred interest period should have been adjusted to begin on the corrected delivery date. However, Comenity Bank ended the promotional period in XX/XX/XXXX based solely on the original purchase date. As a result, more than {$10000.00} in interest was added to my account. 
I was never informed that the deferred interest period would not be updated to reflect the exchange. Charging interest under these circumstances is unreasonable, misleading, and financially punitiveespecially when the delay and exchange were entirely outside my control. 
These actions raise serious consumer protection concerns, including : Misrepresentation of promotional financing terms Failure to honor the agreed upon promotional period Deceptive and unfair business practices Potential predatory lending behavior I have retained documentation supporting my claims, including : Proof of purchase Promotional financing terms Documentation of the exchange completed on XX/XX/XXXX Records of the interest charges applied Requested Resolution : I am requesting that XXXX and Comenity Bank : 1. Reverse all improperly applied interest charges 2. Honor the full 24 month deferred interest period beginning on the corrected delivery date ( XX/XX/XXXX ) 3. Refund all interest charged to date I am seeking the Consumer Financial Protection Bureaus assistance in resolving this matter, as I believe the conduct of XXXX and Comenity Bank violates consumer protection standards and has caused significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Updated CFPB What happened description On XXXX  XXXX XXXX, I received a Wells Fargo fraud alert for a declined transaction of {$790.00} to XXXX via my debit card ( card ending XXXX ). I immediately replied NO to the alert, indicating I did not authorize the transaction. After checking my account, I discovered that multiple unauthorized transactions had already been processed over XXXX transactions within 24 hours, totaling approximately {$4800.00} {$5000.00}. few of them was reversed cause i took action myself and cancel them so im disputing what ever got charged These transactions were made via XXXX XXXX on my phone using Face ID, but I did not approve or initiate any of them. I believe my account credentials were compromised. I filed a police report ( tracking number XXXX ) and promptly contacted Wells Fargo to dispute the charges and request that they reopen my claim under Regulation E, but they denied reopening the claim and did not provide documentation proving authorization. 

I am seeking a full investigation and reimbursement for the unauthorized transactions.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wellsfargo banck online block my account and i can not login to my account on saturday i call them sunday but they said they were close to line for fraud i call monday the lady ask me so many questions that i did anwer but she hang up on me and i call back so they can give me accesses to my account i need it to send money to my sister and i need it to pay bills and is not working i do nota have my card with me cause i cancelled on the XXXX because i lost it and today tuesday i call back and they can not help me they send me to a wellsfargo banck in person to show my id. And i came and the lady said she can not help me to go to another banck but i came in taxi i ask for money to barrow so i can came and now i own money because they can not help me im so stressfull by now is been so many days i came personally i call them to fix the problem i hav3 no money with me by now and they can not help me, the banker did not want to help me i don not know how to fix this problem by now

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had XXXX ( XXXX ) open credit card accounts with Capital One, which were all closed without notice around XX/XX/year> ( Cap One XXXX  {$2000.00}, Cap One XXXX XXXX {$500.00}, and Cap One XXXX {$300.00} ). 
After contacting them to reopen, they claimed over the phone that there was unusual activity, which I confirmed for them that all transactions were to my knowledge and authorized, yet they did not want to re-open the accounts despite my efforts of confirming the activity. They refused to give any details on the reason for the closures All three cards were paid on time every month. When they finally sent me a letter explaining the reason for the closed accounts, this was the only ambiguous explanation : " Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage. '' There actions of closing all three accounts put me in serious debt, and they still required me to pay off their balances without any clear explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank 's XXXX card was advertised as giving {$300.00} welcome bonus after redeeming XXXX Thank You points. I tried to do that, but it only came up as {$150.00}. The only reason I got the card was for the {$300.00}. I called the bank and they said they will not honor the offer after the agent verified it. I requested a call back from the manager. The manager called and said they usually change the offer after the card has been shipped or used to lower the bonus and read some terms and agreement, and would not send me a copy of this because apparently they are not required to give me notice. This is a deceptive practice. I was supposed to get my {$300.00}, and I would like to get my {$300.00} for meeting my end of the contract.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I contacted Citibank Collections regarding my closed credit card account ending in XXXX. I requested information about hardship programs, alternative repayment options, or any assistance that could help me manage or reduce my debt due to financial hardship. I explained that I am working and attending school, and that my current financial situation makes it difficult to sustain the minimum payments long-term. 

During the chat, the Citibank Collections Specialist repeatedly asked if I could pay at least the minimum due. When I explained that I was uncertain or unable to pay, the agent stated that my account does not qualify for hardship or settlement programs and suggested I contact an attorney or a third-party settlement agency. I was told there were no options at this time other than continuing to make minimum payments. 

No explanation was provided for the denial of hardship programs, no alternative repayment options were offered, and no clear guidance was given about eligibility criteria or how to access hardship assistance. Despite my clear financial hardship, the account was not reviewed for any internal programs or assistance options. 

I am requesting a formal review of my account for any available hardship assistance, payment plans, or interest relief, as well as clear written explanation of eligibility criteria for these programs.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Good day. I must emphasize the profound frustration and debilitating impact of this situation. Upon waking one day, I discovered an unverified debt attributed to me that I have no knowledge of and that does not belong to me. This has resulted in relentless harassment across multiple communication platforms, employing various tactics, including threats of legal actionsomething I never anticipated experiencing. As a law-abiding citizen, this is deeply insulting and constitutes a blatant violation of my consumer rights. The ordeal has severely affected my mental health, leading to several sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: OR

Complaint narrative:
I am disputing this collection account ( Reference # XXXX ) in its entirety. This debt is invalid because the underlying lease agreement was legally terminated " for cause '' in strict accordance with Florida Statute 83.56 ( XXXX ) due to the landlord 's material failure to maintain the premises ( severe mold and infestation ) under Florida Statute 83.51. 

Timeline of Legal Termination : On XX/XX/year>, I hand-delivered a formal " 7-Day Notice to Cure '' to the property management, citing severe habitability violations including black mold and cockroach infestation. 

I also sent this notice via Certified Mail ( Delivered XX/XX/year> ) to ensure perfection of service. 

The landlord failed to remedy the material noncompliance within the statutory 7-day window. 

Consequently, I exercised my right to terminate the rental agreement and vacated the premises on XX/XX/year> ( 11 days after notice ). 

Possession was surrendered and a formal Notice of Lease Termination was delivered via Certified Mail on XX/XX/year>. 

Because the lease was terminated in accordance with state law, no " early termination fees, '' " future rent, '' or " breakage fees '' can be legally charged. This collection represents an illegal attempt to collect on a voided contract. 

FDCPA & FCRA Violations : Furthermore, the collection agency has violated the FDCPA ( 15 U.S.C. 1692g ) by reporting this negative item to my credit file without first sending the required " dunning letter '' or 30-day validation notice. I never received any communication from this agency prior to this appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CCM Finance LLC
State: UT

Complaint narrative:
( Total Loss Insurance Payoff Balance Satisfied Wrongful Derogatory Reporting ) * * I am disputing the CCM Finance auto account that is being reported on my credit file as derogatory / repossession / charge-off / collection, because this status is false, inaccurate, and does not reflect the true outcome of the loan. 

The vehicle tied to this account was wrecked and declared a total loss. The remaining loan balance was paid off by the insurance company, and the payoff amount fully satisfied the obligation. Once the claim was processed and the payoff was issued, no deficiency balance remained and I did not owe any additional amount. 

Because the insurance payoff satisfied the account, this loan should be reported as : Paid Closed / Satisfied not repossession, charge-off, deficiency, or collection. 

CCM Finance is wrongfully reporting a derogatory status on an account that was paid in full through insurance settlement, which is misleading, harmful, and violates the FCRA accuracy standards. 

I am requesting CFPB assistance to require CCM Finance to : Correct the account reporting to reflect Paid / Satisfied / Closed, OR Provide full documentary proof supporting any claim that a balance remained after the insurance payoff, including accounting records and payoff statements. 

If CCM Finance can not provide documentation showing a valid unpaid balance, the current derogatory reporting must be removed or corrected immediately, as it is not accurate or legally representative of the account status. 

I am experiencing financial harm due to this false reporting and request enforcement to ensure full compliance with federal reporting laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OH

Complaint narrative:
This about the bank of New York Mellon, After searching and multiple phone calls to XXXX and XXXX XXXX, I now found out that the only place left is the bank of New York Mellon. There is no phone number or email to reach them directly, however lots of customer feedback back about the same issue on their website. 
I would like them to explain to me why my money is on hold for four weeks now without any explanation. No letter no email no refund. 
It is absolutely acceptable the way they conduct customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: GA

Complaint narrative:
Repeated attempts of calling a number that I no longer use, contacted my family members disclosing information about me. I contacted them and asked for them to not only refrain from continuing to contact family members but to find out what the debt was. Was hung up on multiple times and continued to call back. Threatened to sue as well and the woman I spoke with was rude and unwilling to help.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
My paypal account has suddenly been blocked today. I have {$300.00} on my account balance that i am unable to access because paypal suddenly decided to limit my account and not provide any service. It does not mention what specific transactions causedy account to be frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I visited a dealership to purchase a vehicle and paid a {$1000.00} deposit with the understanding that I would need to obtain my drivers license and finalize paperwork before moving forward. I never signed a purchase agreement, Buyers Order, or any written acknowledgment stating the deposit was non-refundable. After researching and deciding not to complete the purchase, I contacted the dealership to request my deposit back. 

The dealership is refusing to return my money even though no contract exists and no vehicle was delivered. In their written response, the dealership admits that their claim of a non-refundable deposit is based only on what they allege was a verbal acknowledgment. They have provided no written documentation, no signed policy, and no proof that I ever agreed to forfeit the deposit. A chip card transaction does not create a contract, and verbal claims do not establish enforceable non-refundable terms. 

I received no product, no vehicle, no services, and no benefit in exchange for the {$1000.00}. Despite this, my bank has denied two disputes, even though the dealership continues to rely solely on an alleged verbal agreement and has not produced any written agreement or documentation supporting retention of my funds. The dealership is improperly retaining my money without a legally binding agreement, which constitutes unfair and deceptive business conduct. 

I am requesting assistance in compelling the dealership to refund my {$1000.00} deposit in full and addressing the dealerships practice of claiming consumers verbally agree to non-refundable terms without written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Foris DAX, Inc.
State: WI

Complaint narrative:
I did not sign up for this company to take funds from my bank account. XXXX  they took {$20.00} on XX/XX/year>, then another {$30.00} on XX/XX/XXXX I want refunds back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
The vehicle associated with a joint auto lease through American Honda Finance was declared a total loss in XX/XX/XXXX. I am listed as a joint lessee on the account. Following the total loss, American Honda Finance issued a final invoice dated XX/XX/XXXX, stating that the remaining balance owed is {$1000.00}. 
Despite this, American Honda Finance continues to report an open auto lease balance of approximately {$14000.00} to the credit bureaus. This amount reflects the original lease balance and does not account for the total loss settlement that occurred more than a year ago. 
I have contacted American Honda Finance at least four times to notify them of the total loss and request correction of the balance being reported. Although the company acknowledged the total loss and issued documentation reflecting the reduced balance, it has failed to correct the inaccurate information furnished to the credit reporting agencies. 
As a joint lessee, this incorrect reporting directly impacts my personal credit profile. The inaccurate balance has remained on my credit report for over one year after the vehicle was totaled, causing ongoing and unnecessary harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: U.S. BANCORP
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX charged my U.S. Bank credit card {$880.00} on XX/XX/2025 for a move scheduled for XX/XX/2025. Despite failing to provide the contracted services, the company charged an additional {$450.00} on XX/XX/2025. I disputed both charges with U.S. Bank well within the required XXXX period and submitted all supporting documentation. 

Throughout the dispute process, U.S. Bank provided inconsistent and contradictory information about the status of my claim. Each representative offered a different explanation, which caused confusion, delays, and no clear path toward resolution. These inconsistencies raised serious concerns about the reliability of U.S. Banks disputehandling procedures. Due to the ongoing issues, I escalated the matter to the Executive Management Team. I was then informed by XXXX XXXX that no further action would be taken, despite the dispute remaining unresolved and evidence supporting my claim. 

I also note that the XXXX XXXX XXXX  reports 2,601 complaints against U.S. Bank in the past three years, which suggests broader concerns regarding communication, transparency, and dispute resolution practices. 

Of the total {$1300.00} charged by XXXX XXXX  on XX/XX/2025 and XX/XX/2025, U.S. Bank reversed {$850.00}, leaving a remaining balance of {$480.00}. Because XXXX XXXX  failed to provide any services, I was forced to hire another moving company at the last minute. I filed the dispute promptly, provided documentation, and have not received a clear explanation for the partial reversal. The appropriate and equitable resolution is for U.S. Bank to reverse the remaining {$480.00} and refund any interest or late fees associated with this amount. 

I am requesting the CFPBs assistance in ensuring that U.S. Bank complies with federal billing error resolution requirements and resolves this matter by reversing the remaining {$480.00} related to charges for services that were never provided.

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