vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Product : Credit card Company : Synchrony Bank ( CareCredit ) Issue : Credit limit reduced I am submitting this complaint regarding a sudden and drastic reduction of my CareCredit credit limit by Synchrony Bank. 

I have been a long-standing CareCredit customer for several years and have consistently made all payments on time. My account was in good standing, with no late payments or delinquencies. My credit limit was previously {$3700.00}, and after paying down my balance responsibly, Synchrony reduced my available credit to {$250.00} without prior warning. 

When I contacted customer service, I was told the reduction was based on my current credit score. However, no other credit card issuers have taken similar action, and my overall credit profile has remained stable. I was not provided with any clear explanation of what specific change justified such a disproportionate reduction, nor was I given an opportunity for a meaningful review before the decision was made. 

This action has materially reduced my available credit and negatively impacts my credit utilization, despite a history of responsible use and on-time payments. The lack of transparency and the severity of the reduction feel inconsistent with fair and reasonable account management practices. 

I am requesting a reconsideration and restoration of my prior credit limit, or a reasonable increase consistent with my account history. 

I believe this situation warrants review, as it penalizes responsible repayment behavior and lacks sufficient disclosure or justification. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX my debit was hacked by someone in Florida shopping at XXXX on line. Approximately {$2100.00} was taken from my checking account. This has caused me a lot of problems since I have automatic payments taken out of this account. I still have not gotten any money back into my account. I have to constantly pull money out of my savings to cover my bills. I've been to my bank which is Bank of America and they seem to not care very much about my situation. I've been with this bank for over XXXX  years.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: AZ

Complaint narrative:
I initiated my identity theft packet and filed police reports several months ago. In XX/XX/XXXX, I noticed a new account appearing on my credit report that I had never applied for. I contacted Trident Asset Management and was told that no such account existed. The representative stated she would document the call and note the identitytheft issue in their system. 

When I reviewed my credit reports again in XX/XX/XXXX, the account was still present and was now appearing on all three credit bureaus, despite active identitytheft and fraud alerts on my file. I contacted Trident again on XX/XX/XXXX. The representative confirmed that there was no account opened in XX/XX/XXXX. After verifying my identity, she stated that the only account associated with my name was one opened several years ago an account already included in my identity theft packet. 

I asked how an account could be reported as opened in XX/XX/XXXX and simultaneously placed in collections that same month. She stated it was not a new account but an old one, which contradicts the credit reports open date and suggests the account was rereported or reinjected with a false date. 

During this call, I also confirmed that my identitytheft and fraud alerts were still active. Under federal law, when a consumer provides an identitytheft report, any fraudulent information must be blocked from the credit report within four business days. Despite this requirement, I was told the item would not be removed and that they would take 30 days to investigate before taking any action. This contradicts the protections provided to identitytheft victims and has caused renewed harm, confusion, and instability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG HOLDINGS INC
State: WI

Complaint narrative:
Cottonwood Financial LLC still has a judgment against me in court dating back to XXXX. This debt was discharged through a Bankruptcy ( XXXX XXXX ). Cottonwood is now stating I owe the money and will not lift the judgement which is preventing me from closing on my house in 4 weeks.

I need this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Apple Financing LLC
State: CA

Complaint narrative:
Draft Statement for XXXX Review Subject : Unauthorized Access and Misuse of Personal and Business Information on XXXX XXXX XXXX  Date : XX/XX/year> To Whom It May Concern, I am writing to formally document and report a serious issue involving XXXX of my Apple computers that has been compromised. This system is an older XXXX device ( XXXX  XXXX XXXX XXXX ) configured years ago with XXXX XXXX to run a dual operating system ( XXXX and XXXX ). Upon recently accessing this machine, I discovered evidence that unauthorized parties potentially individuals with access to XXXX engineering resources have obtained my API keys, personal information, and business account data. This includes accounts associated with my children, XXXX XXXX and XXXX XXXX, as well as my business name. These accounts appear to be in active use without my consent. I have attempted to contact XXXX on several occasions regarding this matter, but the misuse continues. At this point, I believe legal intervention may be required to enforce criminal law and protect my rights. Technical Evidence Gathered I have collected the following technical details that may assist investigators : * XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX * Date Recorded : XX/XX/year> * Explanation of XXXX : XXXX A XXXX is a unique hexadecimal identifier assigned to a drive during formatting. * It is used internally by operating systems ( originally XXXX XXXX XXXX later XXXX and XXXX ) for XXXX XXXX, licensing, and forensic purposes. * The XXXX changes upon reformatting and is distinct from hardware serial numbers or XXXX. * In forensic investigations, XXXX  can help trace file activity and cloning/restoration events. Additionally, I identified a suspicious XXXX XXXX XXXX configuration ( apple-app-site-association XXXX  file ) tied to domains and apps. This configuration appears to improperly associate my data with XXXX services. Key points include : * appID : Example XXXX XXXX  ( may represent unauthorized linkage ). * components : Path-matching rules with exclusions, suggesting deliberate routing of certain activity through apps instead of browsers. * This mechanism could be used to redirect or control access to my accounts and business information. Request I respectfully request that this matter be investigated as potential unauthorized access, misuse of personal/business data, and possible criminal activity. I am prepared to provide additional documentation, logs, and system evidence to support this claim. Please advise on next steps, including legal remedies and technical forensic review. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
See previous XXXX They did NOT ANSWER THE ISSUE. 

XXXX XXXX responded on XX/XX/XXXX. 
XXXX 's XXXX It's our policy to comply with all applicable laws and regulations. The XX/XX/XXXX, purchase for {$800.00} was placed on a 6 Month Deferred Interest, Payment Required promotional plan with an expiration date of XX/XX/XXXX. This plan hasnt expired, so no interest has been charged on the purchase amount. The account terms are explained in the Credit Card Agreement ( CCA ). Minimum payments are not guaranteed to pay the promotional plan balance within the promotional period. Customers may have to pay more than the minimum payment to avoid paying interest at the purchase Annual Percentage Rate ( APR ). Some balances may be paid off before the promotional period ends. The payments were allocated correctly. We confirmed the payments were applied correctly in accordance with the terms of the accounts CCA, which states that we reserve the right to apply payments equal to or less than the total minimum payment at our discretion and that any payment made in excess of the required total minimum payment will be allocated to the account as required by applicable law. Our Customer Care team can be contacted to verify if a payment qualifies for reallocation. To be eligible for reallocation, the payment ( s ) must appear on the most recent billing statement. We are unable to reallocate payments that were applied two or more billings ago. 

What Comenity did here is procedural containment, not a substantive rebuttal of my core argument. 

The companys response does not address the central issue raised. I did not allege that interest has already been charged or that payments were misapplied under the CCA. I alleged a material contradiction between the promotional warning instructing me to pay {$800.00} by XX/XX/XXXX and payment-allocation rules that prevent any payment from being applied to that balance. 
The response confirms that reallocation is time-barred after a short window, but does not address that the option to exit the promotion appeared only on the final page of the first statement and expired before I could reasonably understand that payments would never reach the promotional balance. 
This feedback is submitted to clarify that the issue is structural impossibility and illusory choice, not billing error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 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: NY

Complaint narrative:
I rent rental cars from XXXX and when I rent they require a deposit of XXXX plus whatever the car cost to rent on XX/XX/XXXX I had a pending charge of XXXX dollars and when I return the vehicle back which was on XX/XX/XXXX the next day XX/XX/XXXX the deposit suppose to be credited back to my account and I get charged the cost of the car which is XXXX XXXX says sometime it take 7 to 10 business days for the deposit to get released so I called my bank capital one after those days was up to ask them why my credit amount haven't increased instead the whole XXXX was deducted from my account they told me that my remaining balance was correct which it wasn't but I told them there a wrong and I contacted XXXX and they gave me confirmation numbers for when it was released but capital one just tells me it was released and my account is in good standards which is not true and I call back and I spoke to another customer service person and they will tell me a diffrent story this is not the first incident I also rented 3 more times from XXXX XX/XX/XXXX for XXXX dollars to XX/XX/XXXX same issue no deposit return from capital one I also just recently rented another car from XXXX for free but I had to have a deposit of XXXX on XX/XX/XXXX for XXXX day and I called capital one about my deposit they say it still pending so I going to wait to see if my cedict eligibility increases or stay the same

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> i should have received 2 orders from XXXX  one being an XXXX XXXX XXXX  with 6 % incline for {$74.00} and also an package with an black XXXX XXXX case, an XXXX XXXX  console stick XXXX games!!! AND ALSO AN XXXX XXXX XXXX XXXX XXXX Everthing in this package adding up to XXXX THE EXACT DAY. But nothing arrived and XXXX refuses to refund or replace. Even credit me because it clains signature is required. BUT THE DETAILS WILL SHOW NO SIGNATURE REQUIRED AT ALL!! NOT EVEN AN KNOCK. And cashapp refused to be helpful with disputes and approve!!! Just like my other dispute with sane company XXXX!! For {$32.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally bank withdrew {$5600.00} XXXX from my savings account on XXXX XXXX XXXX. Customer service told me the account was dorment and tht is their policy. I said i let the money accrew and didnt need to move it so who withdrew my money? They said they withdrew the money and illinois state has it. I checked with unclaimed funds on the illinois state website and it wasnt there. I asked for a letter stating what they told me is accurate and they refused. Now my account is empty. I have called several times and spoke to different people who never sent a letter and never helped. Now my money is gone.

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 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: WA

Complaint narrative:
I am filing a complaint regarding LoanCare 's unreasonable delay in releasing insurance claim proceeds. LoanCare is holding my insurance claim check with a balance of $ XXXX has placed it in " XXXX review '' where it has remained for XXXX with no clear explanation. 

These funds are required to pay contractors and materials to complete repairs related to an insurance loss from XX/XX/year>!. The delay is causing financial hardship, including contractor payment delays and risk additional damage to property. 

Despite repeated follow up, escalation to resolution team almost on a daily basis. LoanCare has failed to provide a firm disbursement date of justification for continued holding of the funds. This lack of transparency and prolonged delay is unreasonable and interferes with timely property repairs.

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 2026-01-22 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: VA

Complaint narrative:
I am submitting this complaint regarding Goldman Sachs handling of XXXX unauthorized transactions on my account that I have been disputing since XXXX. 

I reported these transactions as unauthorized immediately after noticing them and have consistently maintained that I did not make or approve these charges. At the time of the transactions, I was not engaging with the alleged merchant in any capacity. I cooperated fully with Goldman Sachs throughout the dispute process and provided all requested information. I also filed a police report regarding these fraudulent transactions and submitted that police report to Goldman Sachs as supporting documentation. 

Despite months of communication, Goldman Sachs has repeatedly denied my disputes without providing any meaningful explanation or evidence to support their decisions. I have asked multiple times for basic information necessary to understand how the dispute outcome was determined, including the identity of the merchant, what was purchased, how the transactions were authenticated, and what specific evidence was relied upon to conclude that the charges were authorized. Goldman Sachs has been unable or unwilling to provide this information. 

I am deeply concerned by the lack of transparency in this process. Without any details about the merchant or the alleged purchases, I have no ability to assess the legitimacy of the charges or meaningfully challenge the dispute decision. I have repeatedly asked how a determination can be made against the consumer when no substantive transaction details are shared, and I have not received a clear answer. 

Additionally, it is unclear whether my police report and supporting statements were meaningfully reviewed as part of the dispute investigation. I have not been informed of what weight, if any, was given to this documentation. 

I believe Goldman Sachs failed to conduct a reasonable investigation into these unauthorized transactions and failed to provide a fair and transparent dispute process. I am requesting that the CFPB review this matter and require Goldman Sachs to provide a clear explanation of the evidence used to deny my disputes, as well as a proper reevaluation of my claim in accordance with consumer protection standards. 

Thank you for your attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: ME

Complaint narrative:
So I got 2 letters in the mail one of them was a title release of the lien, which came with the title to the car. 
And also a letter stating it was paid in full, and that they would fix the issue with the credit reporting agencies. Yet its still on my credit as closed and there are negative comments on it preventing me from getting another car loan. This is ridiculous. It needs to be removed from my credit report completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One displays a banner in my credit card account stating : Request access to credit from your recent payment sooner by connecting your bank account. This message appears immediately after making a payment and implies that access to my alreadyapproved credit line is delayed unless I connect an external bank account. 

A credit card payment should update my available credit based on Capital Ones own internal ledger, not on whether I provide additional data. The banner creates the impression that connecting my bank account is necessary for timely access to credit, even though this was never disclosed as a condition of my credit agreement. 

I am concerned that this design may mislead consumers into believing their payment will post faster only if they share sensitive financial data. The benefit is unclear, and the prompt appears to function primarily as a datacollection mechanism for underwriting or risk evaluation rather than a genuine requirement for payment processing. 

I am requesting CFPB review of whether this practice constitutes a misleading or coercive interface design, whether it creates an implied dependency that does not exist, and whether it pressures consumers into sharing bankaccount information under the belief that their credit access is otherwise restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a call to collect a payment that I was told was late and needed to be paid in full. The amount requested included the payment due on XX/XX/XXXX. Isnt it illegal to lie to a loyal customer and say payment is due immediately when in reality it isnt due until the following month? I set up the payment but canceled it and am extremely frustrated. Beware of scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect is reporting a collection account on my consumer credit report without providing any competent evidence that the debt is accurate, legally owed, or that ProCollect has authority to collect or report this account.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
My husband ( XXXX XXXX XXXX ) and I both have USAA VISA XXXX cards that expire XX/XX/XXXX. I first called USAA customer service on XXXX XXXX XXXX to ask timeframe for issuing newly dated replacement cards. I was told process would begin on XXXX and cards would be mailed the following month on XX/XX/XXXX, then we would receive within XXXX business days. 
I called second time on XXXX XXXX XXXX to verify this info. I was told I was given inaccurate info. Person said cards are mailed on XXXX of the month. I found this concerning as I wanted to ensure we would receive prior to XXXX XXXX. We use auto pay option on several utilities, etc. and I wanted to update credit card info ahead of time. USAA person said brand new cards with new card number could be issued sooner, if I desired. I declined because I wanted to keep same card numbers and I expected to receive my updated cards prior to XXXX XXXX. I was told USAA sends out notices by mail prior to new cards being sent. 
In the meantime, I checked USAA website several time for card mailing status. Per website, asked if I wanted to activate my new cards. This is conflicting and very confusing information. 
Since XXXX XXXX received any mailings or cards by XX/XX/XXXX, I called customer service once again. I spoke with XXXX who said my cards werent even printed yet and I could use current cards up to XX/XX/XXXX. I told him that wasnt acceptable. I was in a bind for sure and asked to have new cards printed and expedited. He said they could use same cards numbers with new expiration dates and XXXX digit codes. I would receive XXXX days, however I would incur a {$20.00} expedite charge. I disputed this charge, asked for supervisor to waive charges due to incorrect information given to me. They flat out refused. So, we are being charged {$20.00} per card expedite fee ( {$40.00} total ). Asked XXXX to submit complaint and asked how I could do the same ( to USAA ).

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