vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specified Credit Association, Inc.
State: NH

Complaint narrative:
On XX/XX/year> i went for a trial class to title boxing in XXXX I did schedule and did everything that they told me to do, I dont remember if I paid something but I never signed up or anything, never got contacted by them to tell me I owe them money, I just received the letter from debt collection and thats how I found out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Tried to contact company about XXXX and original signed documentation to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: SC

Complaint narrative:
Claim ID # XXXX Dear Citi Disputes Department, I am writing to formally escalate my ongoing dispute and request that a Dispute Manager personally review the evidence I have already submitted. 

The merchant sent items that arrived damaged and unwearable. After I reported the issue, the merchant promised replacement parts, but those parts were never shipped. Instead, the merchant provided a fake tracking number, XXXX, which shows no legitimate shipment activity using XXXX, which is used for international shipment tracking. This will prove clear evidence of deception and fraud. 

Despite submitting documentation that clearly supports my claim, the last XXXX dispute associates assigned to my case have failed to properly review or acknowledge this evidence. If the evidence were reviewed thoroughly, it would be evident that the merchant misrepresented their actions and did not fulfill their obligations, hence, asking the merchant to provide tracking details of the replacement parts. This would show deception from the merchant. 

I am extremely disappointed with how this dispute has been handled. I have been a Citi cardholder since XXXX, and this experience does not reflect the level of service or fairness I expect as a long-term customer. I am upset that I have had to repeatedly explain the same facts while my supporting documentation continues to be overlooked. 
I am respectfully requesting that a Dispute Manager conduct a full and proper review of my case and the evidence provided, and that appropriate corrective action be taken. 

Thank you for your prompt attention to this matter. I look forward to a fair resolution. Also since this dispute, the merchants account on XXXX reads, '' Sorry, this account has been closed. Please take note of the relevant risks. '' Which further proves the deception of this merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am disputing the accuracy of a collection account being reported by Fair Collections & Outsourcing.

This account originates from an apartment lease with a former co-tenant. The balance consists primarily of damage-based charges and utilities incurred during a month-to-month tenancy period when the other tenant was in sole possession of the unit.

The original creditor has confirmed in writing that they do not allocate charges between tenants and that the full balance is reported to each tenant regardless of who caused the damages or occupied the unit. Despite this, Fair Collections & Outsourcing is reporting the entire balance against me as my individual obligation.

I disputed this account with Experian and provided documentation. Fair Collections & Outsourcing verified the account without providing any documentation establishing my individual responsibility for the damages or explaining how liability was allocated. 

Reporting the full balance against multiple consumers without individualized proof is misleading and unverifiable under the Fair Credit Reporting Act. I did not occupy the unit during the period when the damages occurred, did not have access or control, and did not cause the damages.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Illinois XXXX Phone : XXXX Date : XX/XX/year> To : Credit Reporting Agency Re : Formal Notice of Dispute, Lack of Consent, and Demand for Deletion ( 15 U.S.C. 1681 Fair Credit Reporting Act ) Dear Sir or Madam, This letter serves as formal legal notice that I am disputing the accuracy, legality, and authorization of information currently appearing on my consumer credit report under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 
I dispute any and all accounts, tradelines, and inquiries reported by the following entities : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I state for the record that I have never provided written, verbal, electronic, implied, or express consent to any of the above-named entities to furnish information to a consumer reporting agency, nor did I authorize them to access, obtain, or review my consumer credit report for any lawful or permissible purpose. 
Pursuant to 15 U.S.C. 1681b, a consumer report may only be obtained or furnished when a permissible purpose exists. No such permissible purpose has been established, and no consumer authorization exists. Therefore, the reporting of this information constitutes an unauthorized disclosure, rendering the information illegal and non-compliant. 
Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to ensure that all data reported is accurate, complete, and verifiable. I hereby demand strict proof of the following : A signed agreement or authorization bearing my signature Proof of a permissible purpose under 15 U.S.C. 1681b Proper chain of assignment and ownership of the alleged accounts Evidence that the information was furnished in compliance with federal law If you are unable to provide the above documentation, you are required under 15 U.S.C. 1681i ( a ) to immediately delete these items from my consumer file. 
Take notice that failure to conduct a reasonable reinvestigation, continued reporting of unverified or unauthorized information, or failure to delete these items will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, subjecting all responsible parties to civil liability, statutory damages, and legal action. 
This letter is not a refusal to pay. It is a lawful dispute of unauthorized credit reporting and a demand for compliance. 
Please provide written confirmation of deletion upon completion of your investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I payed my statement off completely and called to close my account. Then found a bill in the mail for a credit card I had cancelled called the company and told them those are not my charges I discarded the card and closed the account so obviously someone did not close my account and someone got my card from the trash I believe the person I spoke with did not want to have negative mark for closing a account and lied to me about closing my account

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
On XX/XX/2025, a charge from XXXX XXXX for {$3800.00} posted to my SoFi credit card. This charge was unauthorized and fraudulent. The confirmed and contractually agreed rental total was XXXX, as clearly shown in the XXXX reservation confirmation that I provided as supporting documentation.

I timely filed a billing dispute with SoFi and submitted documentation that clearly and conclusively demonstrated that the charge was incorrect and unauthorized. The documentation showed the agreed-upon amount and directly contradicted the amount charged. There was no authorization, consent, or contractual basis for the inflated charge.

SoFi delegated the dispute investigation to its third-party processor, XXXX. During the investigation period, I sent multiple emails to XXXX submitting documentation, requesting confirmation of receipt, and asking for clarification or additional requirements. XXXX did not respond to any of these communications, did not acknowledge receipt of my documentation, and did not request additional information at any time. 

On XX/XX/2025, SoFiXXXX XXXX XXXX denial letter stating that the dispute could not be substantiated because no new documentation or information had been received by the requested date. This statement is false. Documentation had already been provided, and that documentation clearly established that the charge amount was incorrect and unauthorized. 

The denial reflects a failure to review or consider material evidence, not a lack of evidence. I was never notified that my documentation was missing, insufficient, or rejected, nor was I given an opportunity to address any alleged deficiencies before the dispute was closed. 

Although SoFi repeatedly stated that the dispute was being handled by XXXX, my credit card agreement and legal relationship are with SoFi, not with XXXX. XXXXoFi remained fully responsible for ensuring a compliant, good-faith dispute investigation. By deferring all responsibility to its third-party processor and failing to intervene despite clear communication failures and ignored evidence, SoFi allowed the dispute to be closed without any semblance of a fair or reasonable review.

As a result, the dispute was denied despite clear documentary proof, and I was effectively denied the ability to participate in the dispute resolution process due to SoFis failure to oversee its agent and ensure that submitted evidence was actually reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Greeting Team, LLC DBA Customer Care Global
State: UT

Complaint narrative:
I got a collections notice from customer care global. About a Tribal loan debt. One the tribal loan isnt registered with the state of Utah. 2 I requested validation from them directly. They said the original creditor emailed me my contract. I requested proof from the collections agency. Not an email of said contract from original creditor. This is a viloation of my rights especially from a tribal loan debt with illegal interest rates and isnt licensed in the state of Utah

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has responded twice to my complaint but has not addressed the core facts or issues raised. Instead, Citibank relied on generalized consumer-agreement language regarding funds availability and did not explain its specific conduct on XX/XX/year>. On that date, Citibanks mobile application marked a {$15000.00} ATM check deposit and a {$17000.00} incoming wire as POSTED, with no pending status or hold indicator, and reflected the funds as available. Citibanks application defines POSTED transactions as no longer pending, confirming to the consumer that the transactions are final under Citibanks systems. Relying on that representation, Citibank posted and processed an outgoing {$22000.00} ACH debit initiated by XXXX on XX/XX/year>. 

On XX/XX/year>, Citibank reversed the previously posted ACH debit without any effective, contemporaneous notice. Citibanks responses do not explain why the transactions were marked POSTED and available, why the ACH debit was posted if funds were allegedly unavailable, or how reversing a posted transaction without notice was appropriate. The reversal triggered downstream third-party actions and losses extending beyond the reversed amount. Despite these unresolved issues and resulting harm, Citibank has stated that it considers the matter resolved and will not engage further, leaving the substantive issues unaddressed. 

I am requesting review because the complaint was closed without substantive resolution, the harm remains unresolved, and Citibanks responses do not meaningfully address the factual record. 

Thank you for your cooperation. 

Best regards, 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 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have 3 loans out and I have late charges on them that I would like to be removed if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am writing to formally appeal the denial of my fraud dispute regarding several charges totaling {$160.00} on my XXXX  XXXX Credit Card ( Account ending in XXXX ) The banks previous decision to categorize these as " authorized '' is incorrect. These charges were made without my knowledge, consent, or physical presence. I request a re-investigation based on the following critical facts : Legal Separation and Lack of Access : Due to a pending divorce and a specific Court Order, I was legally required to vacate my primary residence in XXXX, WA. At the time of these transactions, I did not have access to the premises where the card was stored. I was not in possession of the physical card, nor did I provide anyone with authorization to use it. 
Physical Impossibility : The transactions occurred at merchants located approximately XXXX hours away from my current location. Furthermore, XXXX specific merchant ( a restaurant ) confirmed that the party consisted of XXXX individuals. I was not present, and I do not have any association with the group that dined there. 
Domestic Misappropriation : While I suspect my estranged spouse may have accessed the card without my permission, she has explicitly denied doing so. Regardless of who used the card, the use was unauthorized under the Fair Credit Billing Act ( FCBA ). 
Correction of Misunderstanding : I understand that a merchant may have reported that I " suspected '' my wife. Please be advised that a suspicion is not an admission of authorized use. Under Washington state law and the terms of our separation, my estranged spouse had no legal right to use my personal credit line.

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 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: FL

Complaint narrative:
We got behind on the mortgage because it has gone up 3 times since we got the house now it's all most {$1500.00}. A month and we are trying to raise our XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
Filed decision on credit report was the only notification. 

On XX/XX/year>. 

XXXX {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I saw a car sales garage being recommended on a friend 's page. I desperately needed a bigger car and we struck up a good deal, I sent a joking deposit of {$500.00}, {$100.00} last week and {$400.00} only then for them to ask me to pay the remaining {$400.00} In XXXX XXXX  cards and I immediately knew it was a scam. I sent the money through chime, they have refused to help, they won't even look into the email address that the money was sent to, so they are protecting a fraudster. I know this is 100 % my fault for transferring funds due to this deception, I'm Normally so good at catching these things and I feel so sick. 

Chime refuse to investigate, it's a fraudulent account that will be targeting more than me and they refuse to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Got a phone that was cracked try to return it and the merchant refused to refund or accept return same with bank refused to help me Date ordered was XX/XX/XXXX for total of {$250.00} no actions taken by company and XXXX closed my return without allowing me to return item for refund after they state XXXX XXXX  customer guarantee or money back I didn't pay for cracked phone tried to dispute with bank but they said the merchant has to be the one to refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am submitting this complaint regarding American Expresss failure to honor a promotional offer that was advertised as valid for a specific hotel. 

I enrolled in an American Express Offer : Spend {$500.00} or more on XXXX XXXX XXXX, get {$100.00} back, which expired on XX/XX/year>. 

At the time of booking, the AmexXXXX XXXX XXXX XXXX explicitly listed * * XXXX XXXX XXXX XXXX XXXXXXXX XXXX by XXXX ( XXXX XXXX XXXX XXXX * as a participating hotel. I relied on this published eligibility list when making my reservation directly through XXXX. 

* * Transaction details : * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX * Posting date : XX/XX/year> * Amount : {$510.00} The transaction met all stated offer requirements : the offer was saved prior to expiration, the purchase exceeded the {$500.00} minimum spend, the hotel was listed as participating, and the charge posted before the offer expiration date. 

However, the statement credit was never applied because the transaction posted under the merchant descriptor XXXX XXXX XXXX XXXX XXXX, which prevented the automated system from recognizing the purchase as eligible. This merchant coding issue was not visible to me at the time of booking and was outside my control. 

I contacted American Express multiple times over nearly XXXX months and was assigned case numbers * * XXXX * * and * * XXXX * *. Despite providing proof that the hotel was listed on the official offer webpage, American Express denied the credit and stated that I must resolve the issue directly with the hotel, which can not retroactively change a completed transaction. 

I believe this constitutes a failure to honor an advertised promotional offer and misleading disclosure, as the hotel was represented as eligible on American Expresss own offer webpage. 

I respectfully request that American Express honor the original promotion and issue the {$100.00} statement credit, or provide a written explanation identifying the specific offer term that disqualifies this transaction despite the hotel being listed as participating. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I spent XXXX hours on the phone with the company in XXXX trying to pay a bill that was owed because I couldn't get into the account. 

I then tried calling again in XXXX and it was also a XXXX ordeal. They could not give me my account number and I spoke with multiple different people including chat on the website. I also verified my information and was given a passcode which also did not work and they told me they couldn't use it. 

All people I spoke to talked over me and were unable to help me. I checked the statements and in XXXX I owed {$1300.00}. Somehow, after paying for a year, I owed more than that at the end of the year. I never received the card, so I talked to the fraud department and she couldn't help me, which doesn't make any sense.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Cavalry Portfolio Services claims that I owe a balance to an XXXX XXXX account, which is not true. I'm stressed because this inaccuracy is affecting my credit score and making it impossible to purchase a home.

Company response to consumer: Closed with explanation