vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-15 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 2026-07-15 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am filing this complaint regarding Barclays Bank Delaware and its XXXX XXXX XXXX because I believe I was subjected to deceptive and unfair business practices. I applied for the XXXX XXXX XXXX specifically because it advertised an introductory 0 % APR balance transfer offer and XXXX XXXX rewards. I paid the required {$89.00} annual fee based on the expectation that I would receive the advertised benefits. After my application was approved, Barclays mailed my card, but I never received it. After waiting approximately two weeks, I contacted Barclays to report that the card had not arrived. I was instructed to continue waiting because it could take 710 business days. The card still did not arrive. When I contacted Barclays again, they agreed to overnight a replacement card. I received and activated the replacement card immediately upon delivery. When I attempted to use the introductory balance transfer offer, I was informed that the promotional period had expired and that Barclays would not honor or extend the offer, even though I was unable to activate or use the card because Barclays failed to deliver the original card. The primary reason I applied for this credit card and agreed to pay the {$89.00} annual fee was to take advantage of the introductory balance transfer offer. I also intended to use the card to purchase XXXX XXXX flights and earn the associated rewards. Because I did not receive the card in time through no fault of my own, I was forced to purchase two XXXX XXXX flights using a credit card from another bank, causing me to lose the rewards and benefits I should have earned with the XXXX XXXX XXXX. I acted promptly, notified Barclays that I had not received the card, and followed the instructions provided by its representatives. Despite doing everything reasonably expected of me, Barclays refused to provide the promotional benefits that induced me to open the account. I believe Barclays ' actions constitute an unfair and deceptive business practice because I was denied the advertised benefits due to Barclays ' own failure to deliver the card in a timely manner.

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 2026-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MO

Complaint narrative:
Timeline of Events : XX/XX/year> : I proactively called Sallie Mae before my rate reduction program expired to secure my next repayment step. The representative explicitly stated he could not process an extension while the program was active. He verbally instructed me to let my account lapse into delinquency so that a new repayment program could unlock. Compliance : Relying entirely on Sallie Mae 's professional guidance, I allowed my payment to fall behind. XX/XX/year> : Upon calling back as directed, Sallie Mae contradicted its previous directive, refused all repayment plans, and left me in an artificially induced state of delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please, block and delete the account within XXXX business days pursuant to FCRA XXXX U.S.C. 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 2026-07-15 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XX/XX/XXXX Synchrony representative stated : XXXX Fraud investigation involved a prior report from XXXX. XXXX Investigation would be denied because I accepted responsibility for the account. XXXX My account would receive a new account number and be rebuilt after the investigation. ( This investigation was from XXXX when they inadvertently shut down my account that I told them was mine! SEE my fax from XXXX XX/XX/XXXX Accounts were actually closed as high risk supposedly XX/XX/XXXX Representatives now state : XXXX Account closed XX/XX/XXXX. XXXX High risk closure because something changed on my credit report. XXXX XX/XX/XXXX was actually the fraud investigation. XXXX Fraud investigation was reopened. XXXX Same fraud department placed the block. Which explanation is correct? If the fraud investigation was resolved and my accounts were going to be rebuilt, why were they instead permanently closed? Why was a previously denied fraud claim reopened months later? Why do different Synchrony representatives continue providing contradictory explanations regarding the reason for closure, the dates of closure, and the status of the fraud investigation? Synchronys actions have caused significant harm to my credit profile. In addition to closing approximately {$25000.00} in available credit, they reported to at least one credit bureau that I voluntarily closed the account, when I did not. The account was closed by Synchrony without my request. Reporting that I closed the account is inaccurate and creates a false representation of my credit history. The loss of available credit substantially increased my credit utilization, negatively impacted my credit scores, and has affected my ability to obtain new credit on reasonable terms. Despite my repeated attempts to obtain accurate information and correct these reporting errors, I have received conflicting explanations from Synchrony while the inaccurate reporting has remained on my credit reports. These inaccuracies have caused me financial hardship by damaging my creditworthiness at a time when I rely on my credit to obtain transportation and manage necessary household expenses. I am requesting that Synchrony immediately correct any inaccurate information furnished to the consumer reporting agencies and provide a complete explanation for the inconsistent reporting and account actions taken. Please provide all internal records, timelines, and documentation supporting each action taken on my accounts.

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 2026-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Kind Holdings, LLC
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Complaint product/category : Mortgage - applying for a mortgage / appraisal, valuation, or reconsideration of value. XXXX XXXX XXXX. XXXX ; XXXX XXXX XXXX. XXXX. XXXX complained about : Kind Lending XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ; lender/client name on certification page : XXXX, XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Consumer / borrower : XXXX XXXX. Filing party : XXXX XXXX XXXX, seller/owner of public record, by XXXX XXXX XXXX Authorized Representative, phone ( XXXX ) XXXX. CFPB complaint narrative XXXX XXXX XXXX submits this mortgage-appraisal complaint concerning XXXX handling of the XXXX and denied reconsideration/revision request for XXXX XXXX XXXX, XXXX XXXX, MO XXXX. The appraisal concluded {$190000.00} despite an arms-length {$210000.00} contract after a {$220000.00} list price and short market exposure. The report appears to contain material factual and supportability issues, including an internally inconsistent basement/crawl-space treatment, omission of XXXX built-in electric fireplace/heater units, under-supported treatment of a new carport, and unsupported rejection of the contract price while also stating insufficient data existed to determine market trends. The report rates the property XXXX and acknowledges a complete renovation within the last XXXX months, yet gives major emphasis to a materially dissimilar Comparable XXXX with a 75.7 % gross adjustment. The report also applies large quality adjustments to comparables that appear to share the same XXXX rating as the subject. The seller asks CFPB to require the XXXX XXXX XXXX a meaningful independent collateral review, provide a written response to each factual/supportability issue, obtain a corrected appraisal/addendum if warranted, and consider a desk review, field review, or second appraisal if the original report can not be made credible.

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 2026-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
I am filing this complaint on behalf of myself and my wife, against statewide Credit Service for severe violation of the FDCPA and the CFPB 's Regulation F ( 12CFRs1006.30 ( a ) ) regarding illegal a 'debt parking '. Statewide Credit Service placed a fabricated debt on our credit report without ever contacting us by mail or phone, completely denying our fight to a 30-day Validation period. Furthermore, a formal validation demand regarding this debt was completely ignored. Instead of validating the debt as required by federal law, the collectors continued illegal collection activities, including attempting a wage garnishment against my employer through the law firm XXXX XXXX XXXX XXXX, XXXX. The balance they are reporting is entirely fabricated. We possess original documentary evidence ( a ledger, attached as Exhibit C ) proving the actual balance is only {$50.00}. This debt is currently under active legal appeal in the XXXX XXXX XXXX XXXX XXXX, Second Department ( arising from XXXX XXXX XXXX Index No. XXXX ). Because Statewide Service engaged in illegal debt parking ignored validation demands, and is aggressively targeting my wages for a fabricated balance that is subject to active litigation, we demand that CFPB force them to completely and permanently DELETE this trade line from all credit reporting agencies " and crease all collection activity.

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 2026-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
Opened US Bank XXXX savings account. At the time of opening- they asked to fund it - atleast {$25.00}. I provided the account and routing number of my XXXX XXXX XXXX checking- it accepted. Opened the account. Inside the account- i made one more transfer from the same XXXX XXXX XXXX checking into this US Bank savings account for more {$3000.00} - accepted. Checked everything - logged out. But after few minutes got the email that Let 's try your deposit again. Dear XXXX, Something went wrong and we werent able to complete your deposit. Please visit your application to re-enter your required deposit information for your XXXX XXXX XXXX Account. Remember : Before you can use this account, an opening deposit needs to be completed. Called them.... after 7 minutes of wait... was talking to somebody ... then after 10 minutes - no voice.... US Bank is nothing but a joke. Only for name sake- it is US Bank. XXXX XXXX competency centers, XXXX XXXX based hiring has made it's hiring so poor that Information technology is in real poor shape. I am XXXX XXXX XXXX XXXX XXXX XXXX can clearly tell all the issue. For XXXX credit card- they send 2 seperate Card member Agreements- with different APRs. For XXXX checking account - OTP - is not received on XXXX based mobile unless you call the customer service. Totally wasting my time and efforts.

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 2026-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am writing to formally request a review of my loan, including the interest rate, the way my payments have been applied, and the explanation I received when I contacted your office about my concerns. When I reviewed my payment history, I noticed that only about one-fourth of my payments appeared to be applied toward the principal balance, while the majority was applied toward interest. Because of this, it feels as though I have not been able to make meaningful progress in reducing the principal balance. I was also concerned that, if the principal balance is not decreasing, I would not be able to reduce the overall interest burden as quickly as expected. I contacted your office to ask why such a large portion of my payments was being applied to interest instead of principal. The response I received was that I had already signed the contract and that the terms are what they are. I understand that I signed a loan agreement, but I am requesting a clearer explanation of how the interest is being calculated, how each payment is being allocated, and whether the terms or servicing practices comply with applicable lending laws and consumer protection requirements. At this point, I am concerned that the loan may involve an unfair or predatory interest structure that makes it difficult for me to reduce the principal balance and could increase the risk of default. I am asking that you review my account and provide a written response addressing these concerns.

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 2026-07-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, someone, not myself, made a {$160.00} purchase on my Citi credit card from a company called XXXX in XXXX XXXX. I have never traveled to XXXX and dont make purchases from my credit card because its only used as a balance transfer account to pay off other cards. Ive disputed the charge and Citi claimed it to be a revolving charge of which is not true. The merchant disputed back saying its a legitimate charge but I know it to be false.

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 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing about my Bank of America Premium Rewards credit card ending in XXXX. I enrolled in a Bank Amerideal/BofA Rewards offer for spend {$65.00} at XXXX XXXX XXXX XXXX get {$50.00} back in early XX/XX/year>, before I initiated an XXXX XXXX XXXX transaction. I completed the transaction with XXXX XXXX XXXX on their app or website on XX/XX/year>, and it posted to my account on XX/XX/year>. It posted as from the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional merchant information is provided below : Merchant description : XXXX XXXX. XXXXXXXX XXXX Merchant information : XXXXXXXX XXXX Reference number : XXXX Merchant Name : XXXX XXXX XXXX : XXXX & XXXX : Telephone Services I satisfied the terms of the offer, yet I have not been credit with {$50.00}. Numerous reports online show similar issues. I called Bank of America on or around XX/XX/year> to inquire as to why I had not received the credit ( despite the terms citing 6-8 weeks, it usually posts within a few days ). The phone representative submitted case number XXXX and told me to call back in a few days. I called back later and was told that the complaint was resolved not in my favor and without any explanation. This second representative submitted a different case number XXXX on my behalf. I enrolled in the Bank Amerideal offer, fulfilled its terms, but have not yet received the credit. As it currently stands, I consider this an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) to advertise a deal but not correctly credit it. Please credit my account and ensure your systems are equipped to correctly identify the XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: TX

Complaint narrative:
MRS BPO has no business contacting my mother when she was not listed in any of my contact information nor has legal responsibility. This third party collector contacted my mother and the Exact text she received was, MRS BPO is a debt collector. XXXX XXXX XXXX balance of {$580.00} from your XXXX XXXX purchase is in collections and remains open until resolved. Sorting it out is simpler than it sounds, and acting sooner gives you the most options : https : //l.mrsbpo.com/1iZCsT5X4 Reply STOP to opt out. I firmly believe this violates the law of FDCPA.

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 2026-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Stellantis Financial Services regarding their unfair, inflexible, and automated handling of an early lease termination caused by the tragic death of the joint co-lessee. My spouse, who was the co-lessee on this contract, tragically passed away on XX/XX/year>. Due to the severe emotional trauma following this sudden passing, I am XXXX and financially unable to continue driving or maintaining this vehicle. Because one of the primary responsible parties for this lease is now deceased, I contacted Stellantis Financial Services to submit the Death Certificate and requested a compassionate review to terminate the lease early under a hardship exception. Instead of evaluating this extraordinary circumstance, the company has repeatedly sent robotic, copy-and-paste emails citing standard early termination clauses. I also made several phone calls to their customer service department, but I was met with the exact same refusal to provide any assistance. They are stubbornly insisting that I am responsible for the remaining lease balance and any deficiency after the vehicle is sold at auction. Furthermore, as a resident of California, I requested that they accept the Death Certificate, Marriage Certificate, and a California Small Estate Affidavit in lieu of a formal, costly, and lengthy probate court order to process this closure, which is fully compliant with California Probate Code Section 13100. ( Note : The leased vehicle is not listed on the attached Small Estate Affidavit because it is a leased liability belonging to the lessor, not a deceased asset to be inherited. However, this sworn affidavit legally establishes me as the authorized successor handling the estate without a formal probate process. ) The company has completely ignored this legal inquiry. Despite my multiple, explicit requests over email and phone calls to escalate my case to a supervisor or a hardship committee, they have completely refused to do so. It is predatory and deeply unjust for a financial institution to enforce standard termination penalties and deficiency balances on a grieving surviving spouse when the co-lessee has passed away. I am fully prepared to return the vehicle in excellent condition, but the company 's refusal to provide any hardship assistance, acknowledge my California Small Estate Affidavit, or escalate my case is causing immense and unnecessary distress.

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