vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XX/XX/year>, XX/XX/year> Sent two PayPal Credit payments ( {$740.00} and {$2500.00} ) to my husband XX/XX/year> and XX/XX/year> Received written PayPal promotional communications stating 6 months interest-free if paid in full for both transactions XX/XX/year> Interest charged immediately on both balances XX/XX/year> Contacted through messages PayPal Credit ; told no promotion existed XX/XX/year> Contacted Synchrony Bank ; told interest-free promotions do not apply to send-money transactions XX/XX/year> Synchrony instructed me to fax proof of the promotional emails XX/XX/year> Faxed copies of the promotional communications as requested No response received No resolution provided; interest continues to accrue Current Filing CFPB complaint due to misleading promotional communication and failure to resolve

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 2025-12-31 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: DISCOVER BANK
State: MS

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report police report and my credit report showing the items that I dispute. Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

Enclosed are copies of ftc report police report and identity verification supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. Please cease reporting this information to the CRAs, investigate [ this/these matter ( s ) ], and delete the disputed item ( s ) as soon as possible.

Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Two Debt collecting companies ( XXXX XXXX XXXX and MRS : XXXX XXXX XXXX XXXX  ) have sent me letters stating I owe an outstanding debt balance of {$450000.00} to XXXXXXXX XXXX XXXXXXXX.. This debt is a false collection as I am not a member of XXXX XXXX and I've never conducted business/used & received services with them. I am not the party that owes this outstanding balance. XXXX was the first to send me a letter on XX/XX/year> asking me to pay the debt via their portal. Then another letter was sent on XX/XX/year>. Upon further inspection of their link, I'd learned they required I input my social security number. I was not going to give up my social to a party I have no clue about, so I proceeded to contact XXXX XXXX My efforts in seeking their guidance proved futile as they also needed my social security number if I was to discuss the issue. Naturally, I did not provide them with my social as I'm unaffiliated with them. I wrote a debt validation letter and sent it to XXXX via certified mail, they responded back with the same regurgitated kind of letter asking for payment via their portal. I haven't received any more letters from XXXX since. After some time passing, MRS was the next debt collector to send me a letter stating the same exact balance of {$450000.00} they believe I owe XXXXXXXX XXXX XXXX The letter seems to follow the same formulaic style of requesting payment via their portal and needing my social security number. I refuse to give them my social and I also wont spend more money on sending a debt validation via certified mail. I anticipate MRS will behave the same as XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> American Express Attn : Customer Service - ECOA Request XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Request for Adverse Action Notice Under Equal Credit Opportunity Act ( 12 CFR 1002.9 ) Dear American Express Customer Service : Pursuant to the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B ( 12 CFR 1002.9 ), I am formally requesting the adverse action notice required by law for the assignment of preset spending limits to my accounts. ACCOUNT INFORMATION Platinum Card Account Ending : XXXX Gold Card Account Ending : XXXX Account Holder : XXXX XXXX ADVERSE ACTIONS TAKEN 1. XX/XX/year> : Assignment of {$3600.00} preset spending limit to Platinum Card ( Account XXXX ) 2. XX/XX/year> : Assignment of {$1300.00} preset spending limit to Gold Card ( Account XXXX ) LEGAL REQUIREMENTS Under 12 CFR 1002.9 ( a ) ( 2 ), the assignment or decrease of a credit limit constitutes an " adverse action '' requiring notice. Under 12 CFR 1002.9 ( b ) ( 2 ), this notice must include a statement of the specific reasons for the adverse action. The regulation explicitly states that " statements that the adverse action was based on the creditor 's internal standards or policies '' are insufficient. REQUEST I request that American Express provide, within 30 days as required by law : 3. A written statement of the action taken ( assignment of preset spending limits ) 4. The specific reasons for the adverse action ( not generic policy statements ) 5. The ECOA notice required by 12 CFR 1002.9 ( b ) ( 1 ) 6. The name and address of the federal agency that administers compliance 7. If a consumer report was used : the information required by FCRA 15 U.S.C. 1681m ( a ) Note : Your statements previously represented that my accounts had " no preset spending limit. '' The subsequent assignment of limits below my existing account balances constitutes an adverse action for which I never received the required notice or explanation. Failure to respond to this request within 30 days will constitute an additional ECOA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: U.S. BANCORP
State: NJ

Complaint narrative:
I am reporting an unauthorized recurring merchant, XXXX XXXX, that continues attempting to charge my XXXX XXXX despite my explicit revocation of consent and the placement of a long-term merchant block. 
I replaced my card, placed a 5-year merchant block, and confirmed that no mobile wallets or third-party wallets are linked to the account. Despite these measures, the merchant submitted another billing attempt, which reached authorization and was only prevented by a decline. 
This indicates the merchant is submitting transactions via Visa Account Updater and/or Visas Stored Credential framework, rather than through possession of my card number. 
I am formally withdrawing authorization under Visas Stored Credential Transaction Framework and requesting that Elan Financial Services permanently revoke any network tokens, updater eligibility, and stored credentials associated with this merchant and my account. 
I am also requesting confirmation that this merchant is blocked at the merchant ID level, not by amount or date, and that Visa Account Updater will not supply updated credentials to this merchant going forward. 
I am not disputing a posted charge ( the transaction was declined ). I am requesting corrective action to prevent further authorization attempts by this merchant.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a business checking account with citibank. I had my debit card stolen and used with my authorization. I reached out to bank and instead of taking my claim seriously they gave me bogus reasons or left me on hold for hours with no response. In order to avoid crediting my account with the nearly {$5000.00} in fraudulent transactions they closed my account instead. This happened XX/XX/XXXX and I have been going back and forth with bank since that point.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Subject : Deficient adverse-action notice ( ECOA / FCRA violations ) Citizens Credit Card Services ( Application ID XXXX ) [ Complaint : ] I applied for a Citizens credit card and received an adverse-action notice dated XX/XX/year> that states only : Unable to verify Identity. The notice does not identify any consumer reporting agency or identity-verification vendor, does not explain the specific principal reason ( s ) for the denial, and does not provide the FCRA disclosures required when a consumer report is used. A copy of the denial notice and my certified-mail proof is attached.

] Why I believe this is wrong : ] ECOA/Regulation B requires specific principal reasons for an adverse action or a clear disclosure of the right to request those reasons ( 15 U.S.C. 1691 ( d ) ; 12 C.F.R. 1002.9 ). The statement Unable to verify Identity is vague and non-specific and prevents me from curing or disputing any underlying issue.

If a consumer or identity verification report was used, FCRA 1681m ( a ) requires disclosure of the CRAs name, address, and phone, and notice of the right to obtain a free copy of the report and dispute inaccuracies. The notice I received contains none of these disclosures. 

What I want done : Provide a fully compliant adverse-action notice that states the specific principal reason ( s ) for the denial ( or, if you refuse, confirm in writing that no consumer report or identity-verification service was used ).

If any consumer report or identity verification report was used, provide the name, address and telephone number of the consumer reporting agency ( ies ) or identity-verification vendor ( s ) and a copy of the report ( s ) relied upon ( 15 U.S.C. 1681m ( a ) ). 

Confirm in writing that Citizens will preserve all records related to my application and the decision, and produce any underwriting notes or automated decision logs on request.

Confirm whether Citizens will re-evaluate my application once any inaccuracies are corrected or confirm that the denial decision will be withdrawn. 

I request that CFPB investigate and require corrective action as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was supposed to receive a {$600.00} bonus from the bank for opening a new account and completing various activities. After I did this, the bank denied my bonus because they claimed I closed a previous account within the last 12 months. This was a surprise to hear, since I closed the previous account on XX/XX/XXXX and opened the new XXXX on XX/XX/XXXX. When I asked when they believe the previous account was closed they said XX/XX/XXXX. I didn't know they had the wrong information in their records when I opened the new account. However, even if XXXX were to believe that the previous account was closed on XX/XX/XXXX, the time period of ineligibility for the opening bonus would run from XX/XX/XXXX until XX/XX/XXXX. Any account opened beginning XX/XX/XXXX would be eligible.

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 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Aidvantage claims my XXXX XXXX XXXX loans " were in the grace period from XX/XX/XXXX. '' The federal XXXX database shows repayment began : - Loan XXXX : XX/XX/XXXX - Loan XXXX : XX/XX/XXXX - Loan XXXX : XX/XX/XXXX Which is correctAidvantage 's date or the federal database?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Paid via XXXX through Bank of America to my employee who I have paid many times. They put the transaction on hold. When I contacted them and gave them the reason from the transaction they still said they cant tell me when they will release the money. And its still on hold over 3 weeks 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 non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
They have been calling my phone multiple times a day making new numbers to call. The service was canceled on this phone while I was XXXX with XXXX XXXX XXXX XXXX in XXXX of XXXX and was charged throughout the XXXX after being canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 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: FL

Complaint narrative:
XX/XX/XXXX I deposited a {$10000.00} check at XXXX XXXX XXXX XXXX I received XXXX in cash and {$7500.00} was deposited into checking account at PNC I had to swipe my debit card at money mart for the {$7500.00} to be deposited into my checking account ending in XXXX at PNC. My phone went missing XX/XX/XXXX in the morning lost it in a XXXX XXXX I called the fraud department the dispute the transactions used from my bank account without my approval it was other devices login into my bank account without my approval the fraud department told me I would receive provisional credit within 10 days it's been almost a month and the bank has yet to recover my funds instead they closed all my accounts without recovering my funds I will in XXXX XXXX in a about XXXX XXXX and I need my funds back so I can have for my while I'm XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
A collection account is being reported by Southwest Credit Systems, account number, for approximately {$100.00}, allegedly related to a utility provider. 

This debt was previously reported by another collection agency and was disputed due to inaccurate and unverifiable information. The prior account was removed. Southwest Credit Systems is now reporting the same alleged debt without providing any documentation to validate it. 

I requested proof of a valid contract, proof of assignment, and an itemized billing statement. No documentation was provided. 

This appears to be a recycled or reinserted debt that has never been properly validated. I am requesting removal of this collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding a Bank of America account reported as charged off and/or written off on my credit report. 

Under IRS reporting requirements, creditors must issue Form 1099-C when a qualifying debt is canceled or discharged. A charge-off suggests the creditor has treated the debt as a loss for accounting and tax purposes. 

To date, I have * * not received a Form 1099-C * * from Bank of America for this account, nor has the creditor provided documentation confirming the current legal status of the alleged debt. 

I am requesting that the CFPB obtain the following information from Bank of America : * Confirmation of whether the debt has been canceled or discharged * The date of any cancellation * Whether a Form 1099-C was issued and filed with the IRS * If no Form 1099-C exists, the legal justification for continued reporting If Bank of America has canceled this debt without issuing a required 1099-C, continued reporting may be inaccurate under the Fair Credit Reporting Act. 

I respectfully request resolution through documentation or deletion of the tradeline if appropriate. 

Sincerely, 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 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Between XXXX XXXX XXXX I reviewed my credit reports and identified a collection account being reported by Hunter Warfield for approximately {$940.00}, allegedly related to a residential property. 

I have never been provided documentation showing a valid contract, itemized move-out charges, or proof that Hunter Warfield owns or was assigned the debt by the original creditor. I submitted written disputes requesting validation, including a lease agreement, itemized ledger, and proof of assignment. 

Despite my dispute, the account continues to be reported without documentation supporting the debts accuracy, ownership, or legal authority to collect. No validation materials were provided, yet the account was marked as verified. 

I am requesting that Hunter Warfield either provide proper documentation proving the debt is valid and legally collectible or remove the collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: MI

Complaint narrative:
PayPal permanently banned my account for unusual activity - this has happened before and my account was unbanned. 

I would like PayPal to tell me what I did since I have logged on probably XXXX  times in the past months to check balance / transfer balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I had {$100.00} payment that was sent to me for my childrens father and I had an advance from XXXX  of {$100.00} and they took {$79.00} and I believe {$.00} from the money that was sent from someone and they tried to tell me that they sent me an email stating that the money can come from anyone that sends the money it can come from any money transfers besides the direct deposit which is a lot and from what I was told when I first set up my pay advance with chime they told me that the money only comes from a direct deposit out from the direct deposit that you received from your job and I literally spoke to about XXXX people and got nowhere. They hung up in my face. they laughed in my face a supervisor did from charm then I also got on chat tried to talk to someone. They instantly dismissed the chat like just ignored everything. I said so basically Im saying the information that was given to me tonight was never given to me before and they were like oh weve had a sudden change and now we take it from any money thats been sent to your account which is a lie because Ive have money sent to me from other people prior to this and theyve never taken it out and Ive tried to explain to them that the reason why my direct deposit didnt hit exactly on the day was supposed to because of the holidays and know were on there does it say a certain time it has to be paid which it wasnt late in the first place but they were just rude and disrespectful and Im Im still out of money and they made me look they made me embarrass myself in front of my kids basically cause I was in the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
My mom bought me an American Express gift card on XX/XX/XXXX as a XXXX gift for me. My gift card was declined by XXXX 17 times on XXXX XXXX, 5 times on XX/XX/XXXX, and 7 times on XX/XX/XXXX recently.

Company response to consumer: Closed with non-monetary relief