vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Subject : Deceptive Deferred Interest Charge Following Minor Oversight ( {$8.00} ) Company : XXXX Bank ( XXXX XXXX XXXX XXXX ) What happened : I am writing to formally complain about a predatory and deceptive interest charge applied to my XXXX XXXX XXXX XXXX, issued by XXXX Bank. 

I was using a " no interest if paid in full '' promotional offer. I meticulously paid down the balance over several months, intending to clear it entirely before the expiration date. Due to a minor miscalculation, I left a remaining principal balance of only {$8.00} at the end of the promotional period. Because of this {$8.00} oversight, XXXX Bank retroactively charged me {$1400.00} in " deferred interest ''. 

Why this is a problem : Disproportionate Penalty : Charging {$1400.00} in interest on what was effectively an {$8.00} debt is an unconscionable penalty that bears no relation to the actual risk or cost to the bank. 

Deceptive Disclosures : The terms of " deferred interest '' are often presented as " 0 % interest '' or " no interest, '' which is misleading to consumers who believe they are only responsible for interest on the remaining balance, not the original purchase amount from day one.

Good Faith Effort : I have a consistent history of on-time payments and clearly demonstrated my intent to pay the balance in full by paying off 99 % of the original purchase amount. 

What I have done to resolve this : I contacted XXXX Bank customer service on XX/XX/year> and spoke with " Senior Account XXXX '' XXXX # XXXX. I requested a one-time courtesy waiver given that the remaining balance was only {$8.00}. The representative refused to provide any assistance or adjust the charge, citing rigid company policy. I have since paid the remaining {$8.00} principal in full with my automatic payment of {$110.00}. 

Requested Resolution : I am requesting that XXXX Bank provide a full waiver or a significant reduction of the {$1400.00} interest charge to reflect the minor nature of the oversight ( {$8.00} ). I believe a fair resolution would be to charge interest only on the {$8.00} that remained unpaid, rather than the original purchase total.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
My account was closed because of a XXXX  dispute but the dispute was canceled by the issue bank and the account was my girlfriend which I also have access to and we tried to have them contact the bank but they said they couldn't

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am writing regarding my recent mortgage application with M & T Bank, which was denied due to property condition issues. I would like to formally request a goodwill reimbursement for fees incurred during this process, specifically the appraisal and credit report fees. 
Throughout this process, I have consistently followed up via email and phone to provide all requested documentation and to seek updates on the status of my application, since XX/XX/XXXX. Despite these efforts, I did not receive sufficient communication from the lender, which resulted in unnecessary delays and expenses on my part. On XX/XX/XXXX, when I reached out to my loan officer ( XXXX XXXX ), and informed him that a time is of the essence had been issued and my down payment is at risk. Approximately, 10 minutes after the phone call, I received a notice that the lender is declining my loan this places my down payment at risk due to the time constraints. 

Given these circumstances particularly that the denial was based on property issues beyond my control and that I complied fully with all lender requests. I respectfully request that M & T Bank consider waiving or reimbursing the appraisal fee and credit report fee associated with this application.

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 2026-02-16 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: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding the handling of my Prosper personal loan application, which was initiated through XXXX XXXX preapproval system. The loan was advertised with Outstanding Approval Odds and a {$50.00} guarantee, and I was shown a lowinterest offer based on my credit profile at the time. 

I applied using my mobile device through XXXX XXXX. During the application process, the fee disclosures and full loan terms were not visible or clearly presented on the mobile interface. Before I was able to review or complete the application, Prosper performed a hard credit inquiry. After the hard pull was completed, the loan terms changed significantly : the interest rate increased, additional fees were added, and the final loan amount disbursed was lower than the amount I agreed to. 

This sequence of events placed me at a disadvantage. I was induced to apply based on XXXX XXXX preapproval and guarantee, but the terms changed only after the hard inquiry was completed. This is an unfair and deceptive practice, and it prevented me from making an informed decision before the inquiry impacted my credit. 

I mailed Prosper a written dispute on XX/XX/year> ( XXXX XXXXXXXX XXXX XXXXXXXX ), and also emailed them multiple times. More than 60 days have passed with no response to my mailed dispute, which is a violation of their obligations under federal consumer protection laws. Prosper closed my support ticket without addressing the substance of my complaint. 

I am requesting CFPB assistance because both Prosper and XXXX XXXX failed to provide clear disclosures, failed to honor the preapproval terms, and failed to respond to my written dispute. 

Requested Resolution : A full review of my loan application and the preapproval terms shown by XXXX XXXX. 

A reassessment of my loan under the original preapproval terms, including the lower interest rate and removal of undisclosed fees. 

A refund or credit of any fees that were not disclosed prior to the hard inquiry. 

A written explanation from Prosper regarding the rate change and fee structure. 

Confirmation that Prosper will respond to mailed disputes within required timeframes. 

A review of XXXX XXXX preapproval marketing practices and their role in this misleading process. 

Compensation for the financial impact and the failure to respond to my dispute. 

I am requesting the CFPBs assistance to ensure compliance with the Truth in Lending Act ( TILA ) and to address potential unfair, deceptive, or abusive acts and practices ( UDAAP ) by both Prosper and 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 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is continuing to report a tradeline originally associated with XXXX XXXX, account number XXXX, despite TransUnions own reporting indicating that the account was sold to XXXX XXXX XXXX. 

The tradeline currently reflects all of the following at the same time : {$0.00} balance / paid Closed / written off Company sold : XXXX XXXX XXXX Purchased by another lender Continued charge-off and delinquency history Once OneMain sold the account, it lost all legal authority to continue furnishing information. TransUnions continued publication of this tradeline constitutes false, misleading, and internally inconsistent reporting.

I previously disputed this account directly with TransUnion. Despite that dispute : No deletion occurred No correction occurred No primary-source documentation was produced No disclosure of the method of verification was provided

TransUnion failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ) and is now on actual notice of ongoing statutory violations. Why This Is a Legal Violation TransUnions conduct violates multiple provisions of the FCRA, including but not limited to : FCRA 611 ( a ) Failure to conduct a reasonable investigation FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable or inaccurate information FCRA 623 ( a ) ( 1 ) ( A ) Reporting information that is inaccurate or misleading FCRA 609 ( a ) Failure to provide full disclosure and the method of verification Reporting a sold account by a non-owner, while simultaneously displaying a {$0.00} balance, charge-off status, and delinquency history, is legally impossible to be accurate and results in artificial suppression of my credit profile. Harm Caused Ongoing suppression of my credit score False derogatory history attributed to a non-owning furnisher Impairment of credit opportunities Significant time and effort spent attempting to correct unlawful reporting ... I have sent TransUnion a Final Notice of Statutory Non-Compliance with a 10-day deadline. This CFPB complaint is filed due to TransUnions continued refusal to delete or correct inaccurate and misleading reporting despite clear evidence of account sale and loss of furnishing authority.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
I rented a car from XXXXXXXX XXXX XXXX  in XXXX SC on XX/XX/year>. I paid {$630.00}. It was around XXXX in the morning. I extended the rental and paid an additional {$350.00} on XX/XX/XXXX. A week a later, XX/XX/XXXX, I was ill and could not get the vehicle returned. I reached out multiple times to XXXX without any response. The vehicle sat until it was picked up a week later. On XX/XX/XXXX, Current Bank charged {$3200.00} to my account, backdating everything to XX/XX/year>. This was not the amount I was charged. Now my checking account sits negative {$2600.00}. They have refused to credit me for what I paid or look into this further. I have never heard of a bank allowing a charge of that caliber to go through when the money isn't there. The total cost of my rental was {$980.00}. The most it could have been with extra charges would be an additional {$500.00}. Current bank should not be allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Subject : Formal Dispute regarding Unauthorized Re-charges for Cancelled Orders I am filing a formal dispute regarding a series of unauthorized charges by Synchrony Bank XXXX Venmo Credit Card ). Despite having proof of cancellation and initial refunds from XXXX, the bank re-charged my account and forced me to pay interest. 

Timeline of Events : XX/XX/XXXX : I purchased a Stage Light Set for {$610.00} on XXXX. 

XX/XX/XXXX : I cancelled the order immediately. XXXX processed a full refund of {$610.00}. 

XX/XX/XXXX : I purchased electric cables for {$32.00} on XXXX. 

XX/XX/XXXX : I cancelled the order. XXXX processed a full refund of {$32.00}. 

XX/XX/XXXX : XXXX XXXX Synchrony Bank ) unexpectedly re-charged my account for {$32.00}. 

XX/XX/XXXX : XXXX XXXX Synchrony Bank ) unexpectedly re-charged my account for {$610.00}. 

XX/XX/XXXX : I received a " Final Decision '' letter from Synchrony Bank regarding the {$32.00} charge, denying my dispute. 

XX/XX/XXXX : To protect my credit score and avoid escalating interest, I was forced to pay the total amount of {$650.00}. 

XX/XX/XXXX : I contacted XXXX for assistance. XXXX confirmed the orders were cancelled and advised me to resolve the issue with the credit card issuer. 

Request : I have screenshots from the XXXX XXXX app clearly showing that these orders were CANCELLED and REFUNDED in XX/XX/XXXX. I never received these items. I am requesting a full refund of {$650.00} plus any interest charged related to these 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 explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I am submitting this complaint regarding CitiBanks handling of a fraudulent credit card account opened using my personal information and the resulting incorrect tax reporting to the Internal Revenue Service.

I became aware of this issue when I received an IRS notice stating that I had underreported income due to a Form 1099-C filed by CitiBank in the amount of {$23000.00}. I never received a

Form 1099-C from CitiBank and had no knowledge of this account prior to receiving the IRS notice . The CitiBank account does not belong to me. I did not apply for, authorize, use, or benefit from this account. The address associated with the account does not match my address, and CitiBank representatives have acknowledged this discrepancy. The situation appears to be identity theft involving the misuse of my Social Security number. After learning of the issue, I contacted CitiBank multiple times and spoke with representatives in Internal Recovery, Probate, and Fraud departments. I was transferred between departments and informed that the account had been flagged as deceased, which is incorrect. I requested that a fraud investigation be opened and that I receive written confirmation that I am not responsible for this account and that the erroneous Form 1099-C would be corrected or withdrawn. At CitiBanks request, I submitted a copy of the IRS notice along with documentation of my communications and information that had been provided to me by CitiBank representatives during those calls. Despite providing this documentation, I have received no written confirmation that a fraud investigation has been opened, no assurance that I am not liable for the debt, and no confirmation that the incorrect tax reporting will be corrected.

As a result, I am facing an IRS assessment for income that is not mine, including proposed tax, penalties, and interest. CitiBanks failure to properly investigate this fraud and to correct its reporting is causing financial and emotional harm.

I respectfully request that CitiBank : Open and complete a formal fraud investigation regarding this account Confirm in writing that I am not liable for the debt Correct or withdraw the erroneous Form 1099-C filed with the IRS Provide written confirmation of actions taken I am a victim of identity theft and am seeking assistance to ensure that CitiBank fulfills its responsibilities and that my financial and tax records are corrected.

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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
Friday, XX/XX/XXXX I attempted to withdraw money from my Robinhood investment account. My withdrawal was denied, then at XXXX I receive a text from Robinhood that my credit card account is currently under review and all transactions will be declined. I log into the credit card app to see that it says there was suspected fraud, my account is under review. I looked for a number to call, but the way they have it set up, you have to request a call back. I spoke to someone at XXXX that day who basically interrogated me about my financials as if I was a criminal. I was not given any details as to why my account is frozen. I was told someone would contact me within 3 to 7 business days regarding my account. I have never missed a payment and never went negative.

I request another call from Robinhood support today, XX/XX/year> and receive a call at XXXX. After a few minutes the support rep tells me that since I submitted my ID and verification so I was going to be cleared. I advised that I had not submitted anything since the account was frozen, the verification occurred at time of opening the account. He stated that he could escalate the request and I would be called back. I demanded to speak to his supervisor so I could receive the information I was requesting. He stated that they could not speak to me now, I had to wait for their call so I ended the call, Due to the lack of information provided to me as a customer, I have decided to end my dealings with the company as they have lost my trust. I have money and assets tied up and frozen without any just cause presented. Also, I have been waiting 30 minutes in their chat support to receive assistance in closing my account. I have screenshots showing the rep entering the chat, I present my request, they put up a message that I am being transferred and that is where I have been for the past 30 minutes ( nearly an hour now ). This company employs shady business practices and I will be alerting anyone and everyone to never do business with them. 

They require you to pay for a membership to be eligible for a credit card. To cancel the membership, you have to cancel the credit card and the only window by which to do so is through their gatekeeping support channel in the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent credit reporting by Security Finance on my XXXX  and XXXX  credit reports. 

This account is a 9-month installment loan opened on XX/XX/XXXX with an original balance of {$540.00}. It now shows a {$0.00} balance, is closed, and is reported as paid or paying as agreed on both credit bureaus. However, both XXXX  and XXXX  continue to report 30-day and 60-day late payments on this same tradeline.

In addition, the account is being reported inconsistently between the two credit bureaus. XXXX  shows the balance updated as of XX/XX/XXXX, while XXXX  shows the balance updated as of XX/XX/XXXX. Despite these different update dates, both bureaus still display the same late payment history, which raises serious concerns about the accuracy and reliability of the information being furnished. 

I previously disputed this account with the credit bureaus. Security Finance verified the account, but did not provide any documentation or explanation showing how the late payments were verified or how the investigation was conducted. 

Because this account is paid and reported as agreed, the continued reporting of late payments is inaccurate, misleading, and is negatively impacting my credit profile. This tradeline is also an outlier compared to my other accounts with Security Finance, which reflect positive payment history. 

I am requesting that Security Finance conduct a proper investigation and either correct this tradeline to accurately reflect my account history, or delete the tradeline entirely if the information can not be fully verified as accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
I am requesting Ombudsman-level review of my XXXX  account due to repeated inaccuracies provided by frontline FSA representatives. My StudentAid.gov dashboard clearly shows that my XXXX employment has been certified across multiple pages of employment certification records. However, on multiple calls, representatives have stated that certain employment years are uncertified because they are only viewing the first page of certifications, despite additional certified pages being visible in my account. XXXX has confirmed that updated loan and payment history has been transmitted to FSA, and I was advised to contact FSA to ensure proper processing. I am requesting confirmation that this updated history has been received and that my account is queued for XXXX recalculation with a full review of all certified employment pages. I am not submitting new documentation. I am requesting correction of an incomplete system review and accurate interpretation of the certified records already on file. Thank you for your assistance in ensuring my account reflects the complete and accurate certification history. 
added a message XX/XX/XXXX XXXX XXXX  I am requesting an escalation to the ombudsman. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has identified 25 missing payments from XXXX -- XXXX in her XXXX XXXX XXXX XXXX XXXX  ( XXXX ) records, despite having documentation proving these payments were made. These missing payments are critical for her XXXX XXXX XXXX XXXX ( XXXX ) progress, as she currently has 101 qualifying months and is nearing the 120-month requirement for forgiveness. Additionally, her XXXX record incorrectly lists her enrollment status at XXXX University as " withdrawn '' instead of " graduated '' with a XXXXXXXX XXXX in XXXX XXXX. This guide outlines steps to address the missing payments, correct the enrollment status, and ensure accurate XXXX  tracking. 
added a message XX/XX/XXXX XXXX XXXX  I believe there is a typo in this letter. It should say XXXX. 
added a message XX/XX/XXXX XXXX XXXX  More screenshots from my navient XXXX account history. I was in XXXX during this time, according to XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
On XX/XX/XXXX I copy XXXX to make XXXX payment of XXXX XXXX. I was told by the gentlemen that the payment was {$15000.00} that be modification was canceled due to nonpayment in XX/XX/XXXX so please check with the bank I went to XXXX XXXX credit union they double check the account and the payment was withdrawn on XX/XX/XXXX, mind you the modification started in XX/XX/XXXX. Payment was made by phone with related manager XXXX and also in XXXX related manager, XXXX took the payment of XXXX which I have proof of both documents

Company response to consumer: Closed with explanation