vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The merchant recently admitted that my system still has a leak and requires repairs. They are requesting an additional {$460.00} for labor and shipping even though the system has been defective since the beginning. The warranty period was calculated from the original installation date in XX/XX/year>, despite the fact that the original system failed and was later replaced. The replacement system also failed and was never fully repaired. The merchant recently informed me that the warranty covers replacement parts but still requires me to pay approximately {$460.00} for labor and shipping. I do not believe I should be responsible for any additional costs because the system was defective from the beginning, the original unit was replaced due to failures, and the replacement system never functioned properly. The company also failed to adequately respond to my service requests after the replacement. I continued making payments only because of my financing obligation, not because the product was functioning properly. After the replacement, the company stopped properly responding to my calls and service requests. They did not perform adequate follow-up inspections, and the system continued to experience problems that resulted in property damage. Synchrony continues to state that the merchant resolved the quality issue. However, the merchants own recent messages confirm that the system currently has a leak and requires repairs. This directly contradicts Synchronys conclusion that the matter was resolved. I do not believe I should be required to pay additional money for repairs on a product that has been defective since installation and has caused ongoing damages. The merchants recent communications also confirm that they calculated the warranty period from the original installation date in XX/XX/year> rather than from the replacement of the defective system. I believe this is unfair because the original system failed and the replacement system never functioned properly.

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 2026-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
remove fraudulent XXXX XXXX XXXX account from my transunion report

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 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am filing this complaint against PORTFOLIO RECOVERY ASSOCIATES , LLC, located at XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$440.00} originally owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my consumer credit reports with XXXX XXXX XXXX XXXX This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, a fraudulent, debit card transaction of {$230.00} was made at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY. I am the sole possessor of the physical debit card and it never left my hands. On the exact date of this transaction, I was traveling internationally from XXXX, NY ( XXXX ) through XXXX ( XXXX ) to XXXX, XXXX ( XXXX ). It is a geographic and physical impossibility for me to have been present at a retail cash register on XXXX XXXX, NY while in transit on an international flight path across XXXX. Actions Taken : I immediately alerted my bank and filed a formal fraud dispute. I provided my bank with my official international flight itinerary as absolute proof of geographic impossibility. The bank conducted a negligent investigation, ignored the ironclad travel proof, and denied my fraud claim. Furthermore, I contacted XXXX XXXX XXXX. They verified that no transaction matching this {$230.00} charge on XX/XX/XXXX exists under my phone number or email address. XXXX XXXX opened an official fraud case for this incident under 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 2026-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I am filing this complaint regarding XXXX, the loan servicer for student loans owed to XXXX University for my daughter, XXXX XXXX. In XX/XX/XXXX, I changed banks, and my scheduled automatic payment of {$1100.00} dated XX/XX/XXXX was returned. As soon as I became aware of the issue, I made a manual payment through XXXX for {$1100.00} on XX/XX/XXXX. That manual payment was collected by XXXX, but it was not properly reflected or applied on my loan statements. After that, my XX/XX/XXXX statement increased from {$1000.00} to {$1900.00}. Since then, each monthly statement has continued to show an incorrect balance of approximately {$1800.00} to {$1900.00}. In addition, XXXX has continued collecting the automatic monthly payment of {$1000.00} every month, but the statements still appear incorrect and do not properly reflect the payments collected. On XX/XX/XXXX, I made another manual payment of {$1800.00} to bring the account balance to XXXX. XXXX collected this payment as well. However, on XX/XX/XXXX, I received a new statement again showing a balance due of {$1800.00}, even though that amount had already been paid. I have contacted XXXX by phone four times to try to resolve this issue, but the problem has not been corrected. Two manual payments, one for {$1100.00} and another for {$1800.00}, were collected by XXXX but are not properly reflected on my statements. This is in addition to the regular automatic monthly payments of {$1000.00} that XXXX has continued to collect. I am requesting that XXXX provide a complete payment ledger, properly apply all collected payments, correct all statements, correct the account balance, and provide a written explanation of how each payment was applied to principal, interest, fees, or any other charges. I have also contacted XXXX University and requested their assistance in escalating this matter with XXXX. XXXX has made my customer service experience a nightmare. I called XXXX four times and spent more than four hours on the phone trying to resolve this issue. Each time, I was told that a manager would call me back with a solution, but that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I attempted a with of {$340.00} at the Navy Federal Credit Union ATM located at XXXX XXXX XXXX, XXXX, MD XXXX. The machine experienced a mechanical malfunction, and XXXX physical cash was dispensed. so I went inside the bank to complete the transaction with a teller. Then the next day, I noticed that my account was debited twice with the same amount ( {$340.00} ), so I called the bank. They credited my account back pending investigations. To my great surprise, I noticed that they reversed the credit on XX/XX/XXXX. When I called again, the agent couldn't find the transaction I was referring to, so she told me I should use the bank 's message center to open a claim. I did on XX/XX/XXXX, and the bank responded on XX/XX/XXXX saying, " Upon completion of the investigation we found that no billing error occurred resulting in the closure of your dispute claim. The documentation used to resolve the reported error was based on the terminal records indicating that the ATM machine was audited and balanced and no cash overage was found. While we understand that you do not agree with the results of our investigation, we have completed our investigation and must consider this matter resolved. '' So, on XX/XX/XXXX, I wrote a letter to the bank 's headquarters requesting that and investigation be conducted and the security camera footages be checked so they can clearly see that I no money came out of the machine, but the bank did not respond to my letter. On XX/XX/XXXX, I called the bank again, but the representative told me that there was no record of my mail and that I should wait until Wednesday of the next week, which would be XX/XX/XXXX to call back. I waited but did not get any correspondence from the bank, so I called again on XX/XX/XXXX and requested that the security camera footage be checked. She told me that I should send a formal request through the bank 's message center again. I did so on XX/XX/XXXX and the bank 's response was : " Thank you for using Navy Federal 's eMessaging Service. We have thoroughly reviewed your claim and our current determination is based upon the available documentation. At this time, we are unable to continue the dispute process. Your dispute with the Navy federal Credit Union ATM XXXX was denied due to no reported overages. Unfortunately, the documentation used are internal reports that can not be disclosed. If you are requesting an additional review, please request this at anytime. A review will follow and any updates which become available at that time will be provided to you. '' I have exhausted all means of amicable negotiations with the bank, which is the reason why I'm reaching out to the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
I can not use my Way2Go/GoProgram card at all, not on bank transfers or online purchases or to use on XXXX to cover an expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am filing this complaint against PORTFOLIO RECOVERY ASSOCIATES , LLC, located at XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$730.00} originally owed to XXXX XXXX XXXX XXXX XXXX XXXX, Account No. XXXX XXXXXXXX on my consumer credit reports with XXXX, XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/2026, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY

Complaint narrative:
Complaint Against First Citizens Bank I am filing this complaint against First Citizens Bank regarding excessive credit card charges and repeated late fees assessed to my account. First Citizens Bank is charging approximately 25 % APR on my credit card balance while also assessing recurring {$39.00} late fees. The combination of a very high interest rate and repeated {$39.00} penalty fees has created an excessive financial burden and appears punitive rather than proportional. While I understand that financial institutions may assess late fees, I am requesting CFPB review of whether these charges comply with the requirements of the Truth in Lending Act ( TILA ), Regulation Z, the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ), and the Consumer Financial Protection Act 's prohibition against unfair, deceptive, or abusive acts or practices. Specifically, I request that First Citizens Bank provide : A complete accounting of all late fees charged to my account. The contractual basis for each {$39.00} late fee. Documentation showing that all required notices and disclosures were provided. Documentation showing that all payments I submitted were properly credited and processed. I further request that First Citizens Bank review my account for fairness and customer hardship considerations and refund the last three months of {$39.00} late fees, totaling {$110.00}. Given that the account is already subject to an APR of approximately 25 %, the additional recurring {$39.00} penalty charges are excess ive and place an unreasonable burden on consumers who are already paying substantial interest charges. As a resolution, I request : Reversal and refund of the last three {$39.00} late fees. A review of the bank 's fee practices on my account. Written confirmation of the basis for all fees assessed. Consideration of a hardship accommodation and fee waiver. I respectfully request that the CFPB investigate this matter and assist in obtaining a fair resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Someone stole my identity and took a loan out in my name in the state of Georgia when I live in Arizona total fraud!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Ive been going back-and-forth with Jet Blue Master Card ( Barclays ) since XX/XX/XXXX with late fees that they added to my account and then remove them the next month. They reappeared in XX/XX/XXXX after paying off the account in XX/XX/XXXX. I have documented time that Ive spent on the phone that exceeds over six hours of back-and-forth with upper management. Everybody I talked to says they dont understand but cant do anything. They have continued to add additional late fee no matter how may people I speak to at Jet Blue.

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 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I financed a purchase through Affirm via XXXX XXXX. XXXX tracking marked the package as delivered on XX/XX/year>, but I never received it. I contacted the seller ( XXXX XXXX XXXX ) twice via email and received no response. I filed a claim with XXXX, and a representative responded in writing confirming via GPS tracking data that the package was delivered to the wrong address not mine. XXXX dispatched the carrier to retrieve the package from the incorrect address, but it could not be located. XXXX has not followed up despite my attempts. I opened three separate disputes with Affirm, submitting the same evidence each time : screenshots of my unanswered emails to the seller, the XXXX representative 's written confirmation of GPS-tracked misdelivery to an incorrect address, and XXXX tracking records. All three disputes were closed in the seller 's favor on the basis that the seller provided " proof of delivery. '' This resolution ignores the core issue I am not disputing that XXXX scanned the package as delivered. I am disputing that it was delivered to my address. These are legally distinct facts, and Affirm 's dispute process has failed three times to acknowledge that distinction. Additionally, one week later on XX/XX/XXXX, XXXX misdelivered a second separate package to that same wrong address. I retrieved it myself in person, which corroborates that XXXX was systematically misdelivering to that address during this period. I then sent a formal written dispute letter directly to Affirm 's Legal and Compliance Department at their corporate address in XXXX XXXX, via email with attachments, placing them on formal notice and requesting escalation beyond the standard dispute process. Affirm 's response was a generic customer service script instructing me to reopen the standard dispute portal demonstrating the letter was never escalated or reviewed by the appropriate department. Affirm is continuing collection efforts on a balance for goods I never received, confirmed misdelivered by the carrier themselves. I am requesting the CFPB require Affirm to conduct a genuine review of the evidence and cancel the remaining loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2025, I was contacted by someone claiming to be an insurance agent from XXXX. I was deceived into sending {$230.00} via XXXX as a payment for an insurance policy. This was a scam. The person was not a real XXXX agent. I contacted Chase to dispute the transaction and request a refund, but they denied my claim stating that I authorized the payment. I am requesting an investigation into this fraudulent transaction

Company response to consumer: Closed with explanation