vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I tried to use my debit card for recurring insurance premiums payments and was denied, i logged in my phone app to the bank and shows XXXX balance on XX/XX/XXXX, I called and they said that I will receive a letter XXXX weeks and my money is gone This was CITIBANK

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 2026-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I received a fraudulent letter from Bank of America asking me to remove my XXXX credit freezes before they can 'review application ' for a credit card. I did not apply for a card. 

I could not reach a human at Bank of America to report the fraudulent use of their name. 

I called the number on the letter ( XXXX ) and it was answered with 'Card Services ' and no mention of Bank of America XXXX 

( the handwritten notes on the attached letter are mine )

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 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

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 2026-01-20 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: CA

Complaint narrative:
XXXX friend of mine was being admitted to the hospital in XXXX XXXX  in an emergency condition at the request of the XXXX XXXX XXXX  He did not have travel insurance and in order to admit him they required a XXXX XXXX. He did not have a credit card with a limit oXXXX XXXX I provide my Bank of America card for the purpose of a $10,000. hold.  The evening he was admitted I immediately call XXXX  to confirm the hold oXXXX XXXX was to be no more than that.  Their representative confirm the hold of XXXX XXXX a charge was placed against my account. XXXX an additional charge was placed again my card by XXXX XXXX. I was called by the hospital and said I had paid the bills for his care and immediately contacted BofA regarding payment and was shocked to hear these amount had been charged and several more was being processed.  I told them there was only a confirmed $10,000.00 hold and no amounts over that were authorized by me.  I also stated no bills had been presented to me.  Upon receipt of my bill both these charges were reflected and I have continually disputed the second charge.  XXXX XXXX  against my card number XXXX XXXX XXXX XXXX   BofA continues to not remove the charges from my account. I have never been able to talk with anyone either about this situation.'

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I opened a debit transaction dispute with Capital One because I made an Airline ticket purchase with XXXX XXXX and I was not getting a response from the airline. I submitted relevant documentation to Capital One as requested by them on XX/XX/XXXX. 

The airline finally responded on XX/XX/XXXX telling me that they would be granting me a refund for the airline ticket. On the same date Capital One issued me a provisional credit for the full airline ticket amount but didnt offer any status updates or details. Ive called and emailed the bank to tell them that the airline was willing to issue me a refund under the condition that I cancel the bank dispute. I requested Capital One to cancel the dispute so that the airline can issue me the refund and they said they could no longer do that.

Capital One claims that the merchant that is, XXXX XXXX can still refund me without the need to cancel the bank dispute. XXXX XXXX says they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Transaction Date : XX/XX/XXXX Amount : {$3700.00} Merchant : XXXX XXXX / XXXX ( XXXX ) I purchased a workstation for {$3700.00}. The merchant 's contracted carrier ( UPS ) has falsified federal delivery records to avoid fulfilling the contract, and the item is now missing/withheld. 

Details of Service Failure : Falsified Records : UPS marked " Delivery Attempted '' on XX/XX/XXXX and " XXXX XXXX Required '' on XX/XX/XXXX. I have video evidence proving no driver attempted delivery on XX/XX/XXXX, and I do not reside in a gated community, proving the XX/XX/XXXX entry was fabricated. 

Refusal of Service : Despite the merchant ( XXXX ) requesting a " Hold for Pickup, '' the carrier failed to secure the package. 

Financial Harm : I have paid for goods that the carrier has failed to deliver through deceptive logistical practices.

I am filing this report to document the carrier 's deceptive practices before initiating a chargeback for " Goods Not Received. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I was XXXX hours late on a {$45.00} minimum payment due to a missed payment due XX/XX/XXXX. This was my first and only late payment on this account of XXXX that I own with American Express. The balance was paid immediately upon receipt of American Expresss email notification. At the time, my account had a {$40000.00} credit limit with a balance of roughly {$1400.00} ( 3.5 % utilization ). I have never exceeded my credit limit and had no prior delinquencies on any credit card, loan or mortgage payment. 
Despite this, American Express reduced my credit limit to approximately {$1700.00}, a reduction of more than 95 %. This action caused a sudden and substantial increase in my credit utilization, resulting in measurable harm to my credit profile, even though the delinquency was fixed immediately. 
This action constitutes an adverse change to my account terms without a meaningful explanation, and it appears inconsistent with the accounts overall risk profile. Under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B ( 12 C.F.R. 1002.9 ), consumers are entitled to clear notification of adverse actions and the principal reasons for such actions.

Additionally, American Expresss continued failure to provide a written response to my appeal, for whic
h I have provided the requested documents on multiple occasions and phone calls to employee after employee raises concerns under the Consumer Financial Protection Acts prohibition against unfair acts or practices ( 12 U.S.C. 5531 ), particularly where the issuers actions caused foreseeable credit harm and no timely explanation or resolution was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I never received any information regarding this debt. I was under the assumption that the account was paid and closed until I saw my credit reports. I demand that this company show me proof that I owe such debt by sending me a copy of the contract and all the statements. As well as any and all notices, including collection notices from XXXX parties.

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 2026-01-20 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: NC

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 non-monetary relief
Consumer complaint received 2026-01-20 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

Amex XXXX Amex XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX advantage decided to terminate my account based on misinformation and faulty conclusion. They blocked my access for 10 months without explanation.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
CREDIT COLLis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Sparrow Financial, Inc.
State: CA

Complaint narrative:
I had called in to report unauthorized transactions immediately upon noticing them. I normally receive alerts on my mobile device, but I was in XXXX and various locations where I did not have cellular signal. 

Sparrow credit card has denied my disputes and my rights to regulation E as I have reported my physical card lost/stolen for protection.

Additionally, prior to the transactions that where unauthorized, I set up a payment over the phone with a representative. I advised the payment should be set from my debit card on file, not my checking account on file. She did the opposite and set up payment from my checking account. I was charged a high fee of {$30.00} that captured a big portion of my credit utilization. I requested the fee be refunded for this error and was denied because I simply had a previous past over sight and had a previous fee reversed that was unrelated to this fee. I respect there is only one curtesy fee waiver allowed, but there should be an exception if the fee occurred from a XXXX from Sparrow

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a checking account with Truist and deposited a check for {$120000.00} drawn from a Truist account. The immediately locked my account, closed it, but won't give me any information on when my funds will be returned or how. I requested that they send notice to the branch for me to pick up a cashiers check to eliminate my wait time. I get the run around every time I call customer service. I need my money back. One representative says they decided to close my account. One representative said it's still under investigation.

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 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is reporting a collection account on my credit report related to an apartment balance. This account is inaccurate and not properly supported. 

I requested validation of the debt. National Credit Systems initially provided an unsigned lease and billing statements. After a CFPB complaint, the law firm previously handling the account confirmed in writing that the account was recalled and closed in their office. 

After the account was recalled and closed, National Credit Systems sent a lease they claim contains an electronic signature. However, they failed to provide any electronic signature authentication records. The documents provided do not include an XXXX XXXX, certificate of completion, IP address, device information, identity verification method, or proof of my consent to conduct business electronically. 

A printed lease showing a system-generated acceptance label does not authenticate an electronic signature under the E-SIGN Act or Texas law . No explanation was provided for why an unsigned lease was previously sent or why this alleged electronic signature was not produced earlier during validation or CFPB review.

Despite these deficiencies and the prior recall and closure of the account, National Credit Systems continues to report the account as accurate. Reporting a collection account based on an unauthenticated electronic signature and after recall is inaccurate and misleading under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Company is lying saying there still working on it but its been almost a year and still havent heard anything from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Tilt Finance, Inc.
State: OK

Complaint narrative:
XXXX  empower has an app where you get advances on your OWN money/paycheck. 
They charge a fee for {$8.00} monthly service. The first advance was XXXX, then the second XXXX. When I asked why, it took 5 days to get a non-answer. They babble on about some formula, your most consistent direct deposit. This is where they are so full of baloney it hurts. I have been getting my Texas XXXX retirement XXXX years, MY XXXX public schools for XXXX  years, my social security for just XXXX  years. For some reason Tilt can not really explain they selected the lowest amount and least time for direct deposits XXXX XXXX  check. When I ask why, you get the most non-answer you can imagine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
I also received a voicemails from so many different phone numbers, claim number & saying my stuff will be file through the courts. The time frame has been since the ending of XXXX  until current. A couple calls yesterday. This is not the XXXX and only business thats calling around about me. Im being harass. This just has to stop. They are calling my job, family, friends anyone that can get a hold to me. Most times they called threatening me & whomever that they are contacting about me saying they have filed my information in the XXXX XXXX courts. I am so tired of these people calling everyone looking for me. They also claim the courts is giving out my information to locate me. They all use the same tactics and its sad. Im currently in collection & my credit is ruin so just let that be. You people cant get no more from me than I can give to myself too many folks trying to collect. So I have no choice but to report you and file bankruptcy. The harassing just needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurate mortgage payoff amount provided by Chase Bank and relied upon during a completed real estate closing in Michigan. 

At closing, the payoff amount supplied by Chase Bank was used by the settlement agent to disburse funds and finalize the transaction. After closing and disbursement, Chase Bank asserted that the payoff was miscalculated and demanded additional funds ( {$1600.00} ). 

I was required to submit payment under protest, despite not causing the error, not controlling the payoff calculation, and having reasonably relied on the accuracy of the payoff provided by Chase Bank and the title company. 

To date, I have not received a written explanation identifying how the error occurred, which party is responsible, or the legal authority permitting post-closing collection from me. 

This conduct constitutes failure to provide an accurate payoff, improper post-closing collection, and an unfair practice under RESPA and UDAAP standards. I am requesting reimbursement of the improperly collected funds, a written explanation of the error, and confirmation that no adverse credit or collection activity has occurred or will occur. 

The title company involved is XXXX XXXX XXXX XXXX. This matter has also been reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation