vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
The complaint is to Citibank one of the best banks before, It was the first bank ever I deal with it and I have excellent experience with the bank the first credit card was citi bank I have long and excellent experience with this company, the first four year from opening was perfect years, So what kind of Complaint you want Citibank to know, here is the answer Last couple of years they do a perfect balance transfer or they sent checks with the balance account so you can use is as payment according to me it was a perfect option to use as payment, I own XXXX XXXX XXXX XXXX XXXX in XXXX XXXX  XXXX and Im XXXX XXXX as same time, I use this checks sometime to pay for inventory, what happen they call me if you write this check and I told them yes its kind of security and I really appreciate that, What happened the Client says the check bounce and citi write the reason of check return, account closed but the account never closed I dont know why citi do that, anyway they remove balance transfer option more over they freeze the account temporary to confirm some transactions I have no problem with this step, but is annoying so I stopped using Citibank credit for over two years because Im not dealing with this annoying every time, last year they sent letter inform me that if you dont use the credit card we will close your account, So here is the issue if they close my credits card they will damage my credit report why because the years that I open those accounts with citi is 8 years will drop moreover it is the first credit card I opened, so I start using my credit because I dont want my credit report to be damaged I use credit balance transfer they canceled it and sent message = call now to protect this account we need you to call us right away the annoying start again, I call the bank and I confirmed all transaction but they ask me to sent one time pass code I gave him my number thats on this account for years, they told me we cant use this number, without any specific reason they gave me other option for confirmation what your account number when you do a payment I told them I do payment with XXXX XXXX  account end XXXX they told me we cant use either this option, so why you ask me if you dont use this option, the last option to verify your account to call you on your business store number, How Im home right now, like please citi thats enough for real Im dealing with too many things and I got this chance to sent this complaint.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding unauthorized charges applied to my PayPal Credit account and the companys refusal to provide a full refund. 

While reviewing my PayPal Credit statements, I discovered recurring charges for a product identified as payment security debt cancellation. I had never noticed these charges before and did not recognize the service. Upon contacting PayPal Credit customer service, I was informed that this was an optional add-on service. I have no recollection of enrolling in this program, authorizing it, or consenting to recurring monthly charges. 

PayPal Credit has charged me for this service since XX/XX/year>. The total amount charged is {$1600.00}. I disputed these charges by phone and later received written notification that my dispute was denied. PayPal Credit stated that only {$350.00} would be credited, without providing proof that I knowingly authorized or enrolled in this service. 

I believe these charges are unauthorized and unfair. I am requesting the Consumer Financial Protection Bureaus assistance in obtaining a full refund of all amounts charged for the payment security debt cancellation service. I am also requesting that PayPal Credit be required to provide documentation or evidence of my alleged authorization for this product. 

Thank you for your attention to this matter. 

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Exto Inc.
State: FL

Complaint narrative:
Company Atlas is playing games. I tried several times to cancel the card. They refused to cancel the card and XXXX  negative reporting to the credit bureaus when I decided to just keep the card and then get a replacement card because I never got my card in the mail. Im getting the runaround, back-and-forth through email with a lady name the XXXX. XXXX, they said my identity was verified now its not verified and theyre playing games sending me out my card. I need my address and phone number on file updated immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against Trans Union, LLC for maintaining inaccurate and contradictory information on my XXXX BANK account ( ending in XXXX ). 

On XX/XX/year>, I entered into a formal settlement agreement with XXXX Bank to resolve a balance of {$2600.00}. I have fully satisfied this agreement, with the final payment of {$310.00} made by XX/XX/year>. 

My TransUnion report currently shows a {$0.00} balance, but the 'Pay Status ' field still incorrectly labels the account as a 'Charge-off. ' Under the FCRA, TransUnion must ensure maximum possible accuracy. It is a logical contradiction to list an account as 'Settled ' with a {$0.00} balance while simultaneously maintaining an active 'Charge-off ' status. I have disputed this previously in late XXXX, yet TransUnion has failed to update the 'Pay Status ' to 'Settled '. I request that TransUnion resolve this internal inconsistency and update my report to accurately reflect the legal settlement of this debt.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
EQUIFAX I am filing a formal complaint against EQUIFAX for failure to comply with their obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

EQUIFAX is reporting late payments furnished by multiple creditors without providing verification that the creditors complied with 15 U.S.C. 1666b and 1637 ( b ), which require that billing statements be delivered at least 21 days prior to the due date.

EQUIFAX has to provide documentary proof that : Billing statements were sent, Contained all legally required disclosures, and Were delivered within the required timeframe.

Under 15 U.S.C. 1681s-2 ( b ), the bureaus are required to conduct a reasonable investigation and delete unverifiable or inaccurate information. Their failure to do so constitutes noncompliance with federal law.

I am requesting CFPB intervention to compel compliance and correction of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX website prevented me from canceling my membership online by trapping me in a update payment method paywall loop. My card on file was expired, and the site repeatedly redirected me back to login or the payment update screen, blocking access to membership settings or cancellation. There is no email you can send or anything. You have to call in because the only way you can cancel is by putting in a new card which they will charge then you can cancel your membership. This is terrible business practices and really shouldn't be allowed at all. Basic situation is if you try to log in the only thing you can do is change your card and pay before they let you cancel. That's just not right. I don't need to be contacted back but someone should do something about that because its unfair to the consumer to have to then go sit on the phone, go through a automated process, then get transferred to a human who then tries to sell you, then finally get the opportunity to cancel.

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 2025-12-27 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX Date of Birth : XX/XX/XXXX XXXX ( last XXXX ) : XXXX Date : XX/XX/XXXX Account : Midland Credit XXXX XXXX Reported : {$500.00} To Whom It May Concern, I am writing to formally dispute the above-referenced collection account that your company is reporting on my consumer credit file. 

According to my credit report, this account is listed as Account information disputed by consumer, yet it continues to be reported as an open derogatory collection with a balance of {$500.00}, which is causing ongoing harm to my creditworthiness. 

This account is disputed for the following reasons : Failure to Validate the Debt You have not provided proper validation demonstrating that I am legally obligated to pay this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Inaccurate and Incomplete Reporting The account is being reported without verified documentation, including : A signed agreement or contract Proof of assignment or authority to collect An itemized accounting of the balance Violation of FCRA 623 ( a ) ( 1 ) ( A ) You are furnishing information to consumer reporting agencies that you can not fully verify as accurate.

Violation of FCRA 611 ( a ) Upon dispute, unverifiable information must be deleted, not merely updated or re-aged.

Under FCRA 611 and 623, I am demanding the following : Immediate deletion of this collection account from ALL consumer reporting agencies Written confirmation that the account has been permanently removed Cessation of all reporting and collection activity on this account If you are unable to provide proper validation within the time allowed by law, you are legally required to delete this account immediately. 

Failure to comply will leave me no choice but to pursue all available remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and potential legal action for non-compliance. 

This letter is not an acknowledgment of liability and is sent in good faith to resolve inaccurate reporting. 

I expect your written response within XXXX  days of receipt. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Over the past several months, I have repeatedly received emails and in-account messages from XXXX and Synchrony Bank stating that I am eligible to activate Store Card features on my existing XXXX XXXX  / XXXX XXXX Card account. These messages explicitly state that I am eligible for the upgrade and that activation will not result in a hard inquiry. 

Each time I attempt to accept the advertised upgrade through the provided links, the system blocks the request with messages such as credit line increase unavailable, approval expired, or notices stating that my deposit or approval period has expired. I am not requesting a credit limit increase or applying for a new account I am only attempting to accept the upgrade repeatedly offered to me. 

This has occurred multiple times over multiple months. I have attempted activation through the website and have contacted customer service to resolve the issue. No clear explanation has been provided as to why these upgrade offers continue to be sent when the upgrade can not be completed. 

The repeated presentation of upgrade eligibility without a functional path to acceptance is confusing and misleading. Important conditions or restrictions preventing the upgrade are not disclosed in the promotional messages. I believe these communications misrepresent the availability of the advertised product features and prevent consumers from making informed decisions.

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 2025-12-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously filed a CFPB complaint on XX/XX/year> ( Complaint ID XXXX ) regarding an account being reported by Radius Global XXXX XXXX To date, XXXX XXXX has failed to verify this account as required under the FDCPA. 

I have never had an account with XXXX XXXX, and I have never had an account with the listed original creditor for the amount being reported. Any prior balance I may have had with XXXX XXXX XXXX was fully settled. Despite this, XXXX XXXX continues to furnish this account without providing proof of assignment, chain of title, or proper debt validation as required under 15 USC 1692g.

More than XXXX  days have passed since my initial CFPB complaint, well beyond the XXXX  day verification period. XXXX XXXX has not produced any documentation supporting their right to report or collect this alleged debt. An unverified account has no legal basis to remain on my credit report. 

The only response I received, dated XX/XX/year>, stated that XXXX XXXX requires additional time to respond. This does not satisfy their legal obligations and does not extend the statutory verification deadline. 

I am requesting the immediate removal of account XXXX from my credit report due to XXXX XXXX  failure to verify the debt within the time allowed by law.

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 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am writing regarding the-referenced title loan TitleMax account for my XXXX XXXX XXXX XXXX 

Since the inception of this loan, I have paid in excess of {$2500.00} on an original principal balance of {$650.00}. Despite this substantial payment history, I have been advised that repossession is being threatened due to an alleged delinquency of approximately eight ( 8 ) days. 

Please be advised that I am not refusing to pay and do not intend to default on this obligation. I have requested a short extension of one week, until my next pay date, at which time I am prepared to bring the account current. I further advised your office that the vehicle is currently inoperable and can not be driven to a branch location, which is why I requested that this matter be handled remotely. But they refused and said my vehicle is subject to repo at any time. Despite the fact that I have paid more than 3 times the amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Formal Complaint against Bank of America regarding Unresolved Fraudulent Transactions To CFPB / Bank Compliance Department : I am writing to formally dispute the bank 's decision regarding three fraudulent transactions on my debit card ending in XXXX Claim NumberXXXX Amount : {$1200.00} XXXX XXXX XXXX Despite my two previous claims, the bank has failed to recognize these as unauthorized charges. 

Details of Fraudulent Charges : XX/XX/year> : {$420.00} - XXXX XXXX, XXXX CA XX/XX/year> : {$420.00} - XXXX XXXX XXXX, XXXX CA XX/XX/year> : {$420.00} - XXXX # XXXX, XXXX CA Reasons for Dispute : 1, Identical Amounts : It is highly improbable and logically impossible for a customer to spend exactly {$420.00} three separate times at different grocery stores over several months. This pattern clearly indicates systematic fraud ( likely gift card draining ), not personal consumption. 

2, Possession of Card : I have always been in physical possession of my debit card, which I keep in my phone case as a backup. I primarily use credit cards for daily expenses. I did not authorize these transactions, nor did I provide my PIN or card to anyone else.

3, Lack of Evidence : The bank claims these were " authorized, '' yet failed to provide proof of how the card was verified ( e.g., chip, swipe, or PIN ). I suspect my card information was skimmed or cloned.

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 2025-12-28 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I am disputing the reporting of a XXXX late payment being attributed to my open auto loan account with M & T Bank XXXX XXXX ). 

This account is currently open and paid as agreed. However, my credit report reflects XXXX XXXX late payment that I dispute as inaccurate and unverified. I have not been provided documentation proving that this late payment occurred or that proper billing and delinquency notices were issued. 

Under the Fair Credit Reporting Act, M & T Bank is required to conduct a reasonable investigation and ensure that all information furnished is accurate and complete. 
At this time, the reporting does not meet that standard. 

I am requesting that M & T Bank : Remove the inaccurate XXXX late payment ; OR Provide full validation, including the complete payment history, billing statements, and proof of delinquency notice. 

Failure to provide proper validation requires deletion or correction of the disputed information.

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