vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was told when I applied for my American Express XXXX card that it had no balance or charge limit and that I could pay the card off in full every month or make payments. I notified American Express when I applied for the card that I would charge up to XX/XX/XXXXXXXX per month and they stated this was the best card they had to offer for my usage. The fee for the card was also {$370.00} per year. I agreed, obtained the card, and made a purchase of XX/XX/XXXX XXXX. I paid theXX/XX/XXXXXXXX before it was due. Then, the merchant attempted to chargeXX/XX/XXXXXXXX again for the next month fees, and the card declined. When I contacted American Express, I was told that they would not approve my charge because the " card had to build up usage information on my purchasing habits. '' I then cancelled the card. This is FALSE AND MISLEADING ADVERTISING and I want a refund of the annyual credit card fee I was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
statement should have a balance of XXXX. Unauthorized charges on the account Statement show show XXXX balance as this card has not been used

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called in XXXX Regional Acceptance to come pick up a vehicle I can no longer pay for and the vehicle still has not been picked up. Everytime I call I am given the run around stating that they cant find a XXXX co to come an pick up the car and they do not have a tow yard. I cant continue to have the car parked where it is. I need the car picked up and I am getting no where. I have spoken to several managers to no avail.

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
I went to get gifts cards at XXXX on XXXXXXXX XXXX  to give on XXXXXXXX XXXX. The cashier that rung up my gifts cards left her register to switch two of them out, when she came back she proceeded with ringing me up. On XXXX I gave one card with the balance of the {$50.00} and it was given back to me because it wasnt activated. So thats when i went to check the others and found another one that wasnt activated with the balance of {$50.00}. I knew then it was because of the cashier so I called XXXX but then I was told they couldnt do anything theyre the third party, so I called vanilla who gift cards they were and opened a case. I called to check to see if they received documents and I keep getting told they have not received my documents. This has been going on to long I sent my documents by email. I called XXXX XXXX to see have they received them yet again, this time I was told they cant see if they have. Please contact me for any further information. Im so tired of feeling like my money does not mean anything. Those were gift cards to my family and they cant even spend them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My credit file contains fraudulent negative accounts and unauthorized/duplicate hard inquiries as a result of the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). Despite submitting an FTC Identity Theft Report and invoking my rights under FCRA 605B, the credit bureaus continue to report these items and rely on automated EOSCAR " verified '' responses instead of conducting a reasonable reinvestigation as required by {$610.00}. Relief Requested : Delete all fraudulent negative accounts. Delete all unauthorized and duplicate hard inquiries. Provide written confirmation that these items that these items have been permanently blocked and that no reinsertion will occur without full compliance with 611 ( a ) ( 5 ) ( B ). Failure to comply will result in further escalation and legal action.

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 2026-01-06 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: DISCOVER BANK
State: GA

Complaint narrative:
I requested a replacement phone under an insurance program through my cell provider XXXX XXXX. After waiting for over a month, I finally told them to cancel my request as they couldn't send me a replacement phone. Three months later, they said they could send me a phone and I told them no, not to send the phone and that I had cancelled the request. I have this in email where i stated not to send the phone and simply wanted my insurance money that I had paid them for 2 years. They agreed and paid it to me. Then, after I had already told them not to send the phone, they did so anyway over a month later. They then charged me for the device even though I had cancelled the XXXX and replacement with them over the phone and in email. When I disputed the charge with Discover stating it was a fraudulent charge as I didn't order the device and had cancelled it, they said that per XXXXXXXX XXXXi I did order it. I said I did but I cancelled it and they sent an item that was cancelled and no longer ordered. That counts as a fraudulent charge as even in email I have evidence I told them not to send the phone and that I had cancelled everything. Discover still said it was valid and reissued the charge on my card for a phone I did not order. Both Discover and XXXX XXXX are at fault here. XXXX XXXX simply has a bad internal system with outsourced staff not caring or paying attention. Discover didn't care and charged me anyways and redirected me back to XXXX XXXX to dispute the charge with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/year>, I started a text conversation with XXXX about doing a skip payment because we had just moved and hit XXXX season and was having a short term hard time. The customer service on the chat said I didnt qualify for a skip payment at this time. I asked what the qualifications were and he said they didnt discuss that. I asked to speak to someone else and he gave me the customer service number. I called that number and spoke with someone else she said they didnt discuss that either but she would allow me to skip a payment and the only penalty I would have to do is pay the typical late fee. On top of the XXXX bill. I told her I could do that and she approved the skip payment. I have been called numerous times and sent reminders for my XXXX payment which now includes the XXXX payment. On XX/XX/XXXX I spoke to another customer service rep and asked why I was still being charged for the XXXX payment. He said we allowed you not to pay in XXXX and put it on top of your XXXX. He kept asking if I was ready to make the payment now and he would take the whole payment over the phone. I said you guys approved a skip payment and all I had to do was pay the late fee with my XXXX. He said yes, we allowed you to not pay in XXXX but we will take your XXXX payment now with the XXXX payment. I argued that that was not what a skip payment was. I said a skip payment is supposed to be a one time skip of the entire payment for that month and it will just push out the payment schedule an extra month at the end. He said that wasnt how it worked and that they need me to pay the XXXX payment and the XXXX payment. So now my bill has doubled plus late fee after they told me I could skip a payment.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Over the course of the past year, I have been fighting with equifax about removing an account from my file. I had been back and forth with equifax about this file, XXXX XXXX XXXX, and finally had it removed. The problem is that for the course of the year, it has tarnished my credit, caused my credit score to drop, caused me to be denied for loans that could have helped me progress, and has negatively impacted areas of my life at the time when it didnt need to. I continuously fought and proven within my research the various laws they were violating. Deleting the account doesn't erase the time I've had to take to research the laws, write every complaint, legal consultations, and so on. If I were to take this to court, I would definitely have grounds to collect the monetary award that I was seeking for all the damages and time wasted. I am again reaching out in 1 final attempt to resolve this issue without proceeding legally. Under federal law, im within my rights and with proven cases in the past with similar issues, equifax would legally be obligated to fulfill this request. Final settlement request of {$3000.00} minimal to cover expenses that equifax caused me while reporting this information for the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: CITIBANK, N.A.
State: CO

Complaint narrative:
{$7000.00} Purchase date XX/XX/XXXX Requested return XX/XX/XXXX no follow up for return or information for warranty or return from merchant. 

To whom it may concern : Attached is the documentation for case id : XXXX Item received did not function as advertised. We tried to contact the seller for assistance several times ( via phone and email ) and also to return the product within their 30 day period, with no response from the seller ( email in attachments ). 
Thank you so much for your assistance. 
XXXX XXXX XXXX From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX ' XXXX Subject : XXXX * * * Citi Billing Dispute -XXXX XXXX XXXX XXXX XXXX XXXX {$7000.00} XXXX * * URGENT ACTION REQUIRED Dear XXXX XXXX XXXX, I am a Billing Dispute representative at Citi. We are investigating your dispute with XXXX XXXX XXXX XXXX XXXX XXXX, posted to your Citibank Credit Card account number ending with XXXX, in the amount of {$7000.00}. 

We are currently processing your dispute claim. In order to assist further, we require some additional information and documentation : We need a Copy of an invoice or contract for this charge. SEE Below Image The date you attempt to return the merchandise to the merchant or attempt to return and provide the date of this attempt along with the merchant response. Date XX/XX/XXXX, No response from Seller for a return NO response. I Did get a response on XXXX with no follow up for return, XXXX  did receive original complaint with request to return. Below also attached in the last email.

Image Image The date you contacted the merchant to request for refund along with their response. Date XX/XX/XXXX, No response from Seller for a return NO response. I Did get a response on XXXX with no follow up for return, XXXX did receive original complaint with request to return. Above also attached in the last email.

A review from the second similar merchant. This document must be a direct comparison to the sales contract provided by the merchant. It must include all items purchased and may not include only simple overviews, such as the services provided by the prior merchant were not done correctly. This merchant opinion needs to be written on their letterhead or include a copy of their business card. Below Image Image Our mailing address is Citi cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. Our fax number is XXXX and our e-mail address is XXXX. If you have any questions, you can contact our billing disputes unit at XXXX. 

Once we receive this information, we will continue with our investigation. 
We are looking forward to your response. We appreciate the opportunity to be of service.

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 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing the accuracy and completeness of XXXXXXXX XXXX XXXX credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
XXXX XXXX XXXX is reporting a collection account with a balance of {$420.00} that contains material inaccuracies and incomplete information, including but not limited to : XXXX XXXX XXXX is incorrectly listed as the original creditor, despite being a debt buyer The account is reporting as open, which is inaccurate for a collection account No original creditor name or original account number is provided No date of first delinquency is reported The account type is missing I previously disputed this account and XXXX failed to correct these inaccuracies, instead verifying incomplete and misleading data. 
Under FCRA 611 and 623, furnishers are required to report information that is complete, accurate, and verifiable. Reporting materially misleading information constitutes a violation even if some data is correct. 
I am requesting that CFPB require XXXX XXXX XXXX to either : Correct all inaccurate and incomplete fields immediately, or Delete the account due to inability to accurately report required information. 
I am attaching my credit report showing the inaccuracies described above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I applied for a credit card through XXXX  that was clearly advertised as having no annual fee. After being approved, I noticed that the card was issued with a {$500.00} credit limit but only {$370.00} was available, which implied a {$120.00} fee was already applied. I never activated or used the card, and was never shown or informed of this fee during the application process. I immediately called the issuer and was told the fee was standard. I told the representative this was deceptive and unacceptable. To her credit, she was respectful and agreed to cancel the card with no charges, but this still feels like a bait-and-switch tactic advertising one set of terms and activating another. Im filing this complaint because even though the issue was resolved, this practice is predatory and should not be allowed to continue.

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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX an individual went into Golden One pretending to be me with a fake passport and was able to cancel my debit Visa card and open a new account without verifying my secret code, my signature or second form of id. Subject was able to withdraw {$2000.00} from the teller on this day then go to an outside teller machine and get another {$200.00}. After the fraud department notified me by verifying my identity with my secret code I was then advised my account would be placed on a freeze. I could not get a scheduled appointment until Monday. The Bank representative XXXX closed the card that was used by the suspect and issued me a new card and said I would be reimbursed. As I attempted to use the new card it would decline my transactions causing me to return to the bank once an appointment was scheduled on XX/XX/XXXX where I met with Bsnk Representative XXXX who advised me that after further review it has been determined that a live person went into the bank and apparently has my information. When I ask what information she said my Passport. I informed her that my passport is in my possession and this is fraud. She closed out all my accounts- checking, savings, money market, Visa card, line of credit, overdraft protection, and cutesy pay. As of XX/XX/XXXX I received my {$2000.00} after calling the fraud department again complaining of my concerns only to be inform by XXXX that I would get another email once the investigation is complete. I have contacted the XXXX and XXXX police department on line non-emergency waiting to obtain a report number on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
They said they will be removed after the first payment, duplicates of the loan companies on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing the following accounts that I believe have incorrect information and do not accurately reflect my financial history. 

Charged Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am the lawful account holder of a consumer bank account with Chime Financial , Inc. In late XX/XX/year>2025, my account was compromised following the theft of my mobile phone, which Chime requires for account access and authentication. 

Between XX/XX/XXXX and XX/XX/year>2025, unauthorized transactions occurred on my account without my knowledge or consent. These included unauthorized debit card transactions and unauthorized XX/XX/XXXX( peer-to-peer ) transfers. I did not authorize these transactions, did not provide my card, credentials, or authentication codes to anyone, and did not benefit from the transactions. 

I reported the fraud to Chime on XX/XX/scrub>, 2025 and filed the following disputes : Claim ID XXXXXX/XX/XXXX : Unauthorized Transfer {$2500.00} Claim ID XXXX Debit : Unauthorized Transaction {$380.00} These disputes were not fully or properly investigated, and Chime issued determinations that failed to address the account takeover, loss of access, or unauthorized activity. 

Because my phone was stolen and I did not have active mobile service, I was locked out of my account due to Chimes mobile-only authentication requirements. This prevented me from securing my account, changing credentials, or stopping unauthorized activity in a timely manner. 

I am not disputing ATM withdrawals. My complaint is limited to unauthorized debit card transactions and XXXXXX/XX/XXXX transfers. 

Chimes handling of this matter has resulted in unresolved loss of funds, lack of access, and ongoing financial harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding an unfair late fee on my Capital One Quicksilver credit card. 
On the payment due date, I enrolled in Capital One AutoPay and selected a $ XXXX  monthly payment. I reasonably expected the payment to process, as there was no clear disclosure that same-day AutoPay enrollment would not initiate payment. 
Because the AutoPay payment did not process, Capital One assessed a late fee and marked the payment as late, despite my good-faith effort to pay on time. This issue resulted from unclear AutoPay processing rules, not negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I was searching for a lower flood insurance I requested a quote with XXXXXXXX XXXX Quote was too high and I didnt proceed Newrez went ahead without my concent and PAID {$3300.00} to XXXX XXXX withoutany authorization from me or signatures Now ..... my scrow went up too high and I have sent " Newrez '' numerous emails and pay stub that this insurance was never issued/signed or agreed. 
" Newrez '' my loan company refuses to withdraw " XXXX XXXX '' from my scrow account after I have sent them numerous proof. 
Now my mortgage went from {$2600.00} to {$3000.00} Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation