vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts are not mine and must be removed within 15 days pursuant to USC 1681g.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank is running its credit card services like a loan shark. On the day my payment was due, the web page said there was no payment due, but one week later, PNC charged me a late fee and said it would not be removed. They had just returned over {$400.00} back to me, but the guy I spoke to on the phone had no record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Im following a complaint regarding CareCredit issued by synchrony bank for failure to properly credit, a payment and photo to resolve the matter despite proof. I made a payment on my account and the payment cleared my bank account. My bank statement confirms the funds were withdrawn, and the payment was completed. Despite this, CareCredit/synchrony re-added the charge/balance and then advise me the payment was not made. I provided documentation, including my bank statement, showing the cleared payment. Even after receiving proof, they have continued to deny proper correction of the account. I have also attempted to escalate the matter by phone and was told I could not speak with the account manager, preventing meaningful resolution through higher level review. This issue has caused significant stress, waste of time, and concern regarding potential credit reporting harm.

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 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: KS

Complaint narrative:
I am filing this complaint against Central Research , Inc. ( CRI ), a federal student loan servicer, due to its failure to provide clear and complete account information. Additionally, CRI has continued to furnish inconsistent derogatory credit reports and is now avoiding a written records request that I need to respond to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX regarding this debt. CRI 's servicing and reporting have been inconsistent over time. One group of loans was declared in default and transferred to the XXXX XXXX XXXX XXXX XXXX XXXX. CRI stated that it could no longer provide assistance or information because the loan was no longer in its system. Meanwhile, a related smaller loan group remained with CRI and continued to be billed and reported separately. CRI has also sent conflicting communications regarding loan status. In XX/XX/year>, XXXX sent letters indicating that a forbearance was ending and that payments would resume on XX/XX/year>. However, CRI 's billing statement dated XX/XX/year>, for XXXX XXXX XXXX displayed a Past Due Amount of {$0.00}, a Current Amount Due of {$22.00}, and an estimated payoff amount through XX/XX/year>, of {$530.00}. Despite these records, the credit bureaus continued to report derogatory delinquency history. I sent CRI a detailed written request for account documentation, status history, dispute materials, and credit furnishing records via certified mail. The letter was delivered to CRIs XXXX. XXXX, but CRI has neither signed for nor retrieved it. I also uploaded the request through available channels, yet CRI has not acknowledged or responded. This request is crucial for me to address the Department of Educations notice and to evaluate CRIs shifting dates, balances, dispute responses, and reporting to consumer credit agencies. This is part of a troubling pattern. I previously filed a complaint with the XXXX XXXX XXXX ( XXXX ) against CRI, which was later closed as UNANSWERED because CRI failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened this account in XXXX and have since made purchases totaling approximately {$750.00}, followed by an additional purchase with a down payment of {$2200.00}. Shortly after opening the account, I requested a credit limit increase of {$2500.00} in order to complete payment for an item purchased through the stores financing promotion. My request was denied. I contacted Citibank customer service twice to better understand the reason for this decision. During both calls, I was told only that the denial was due to the account not being open long enough. When I asked for clarificationsuch as how long the account needs to be open, whether my credit report or score was reviewed, and what steps I could take to qualify in the futureI was not provided with any additional information. I eventually spoke with a supervisor, who confirmed the same reason but was also unable or unwilling to provide further details. Additionally, I was not informed whether a credit report was used in making this decision, nor was I offered a copy or guidance on how to obtain one related to this denial. I found the lack of transparency concerning. I am requesting clarification on the following : Whether my credit report and/or score was used in the decision If so, which credit bureau was used and how I may obtain a copy What specific criteria are required to qualify for a credit limit increase What timeframe qualifies as long enough for account history I am also requesting that the recorded phone calls be reviewed, as they reflect my attempts to obtain clear and reasonable information about this decision. Thank you for your time and attention to this matter. I look forward to your response.

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 2026-04-29 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: VA

Complaint narrative:
I stayed in the XXXX XXXX in XXXX Va on XX/XX/year> for work related due to bad weather. I was charged on XX/XX/year> in XXXX XXXX XXXX XXXX at same hotel for {$480.00} for a stay. I was XXXX in XXXX! I can prove thru work records that I was in VA during these days charged at XXXX XXXX XXXX XXXX! I have requested Citi to provide proof by signature and Id proof for this charge. I have disputed with citi but for a XXXX time they refuse to refund my money stating the merchant verified my stay.! I did stay in the hotel in XXXX Va NOT XXXX! I have requested as of XX/XX/year> to Citi to reopen this dispute to escalate 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 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: AR

Complaint narrative:
I wrote this company over a year ago to stop and revoke the use of my ACH number for the company to not take out my bank account almost a year and a half later they went into my account and took out XXXX after I withdrew my ACH from this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and non-compliant credit reporting by Mazda Financial Services. The account in question is being reported as a charge-off with a balance of {$5600.00}, while also reflecting a past due balance equal to the full amount. This is inaccurate and misleading. This debt was paid through XXXX insurance coverage. As a result, there should be no remaining balance owed. The continued reporting of a balance is incorrect and does not reflect the true status of the account. Additionally : The account reflects continued delinquency reporting after closure The payment history appears incomplete and inconsistent There is no clearly reported Date of First Delinquency, as required under FCRA 623 ( a ) ( 5 ) I previously disputed this account with the credit bureaus, and it was either not properly investigated or was verified without sufficient documentation. I am requesting : 1. A full and reasonable investigation of this account 2. Documentation showing how the balance of {$5600.00} is being calculated after XXXX insurance payment XXXX. Complete and accurate payment history 4. Verification that all reporting complies with XXXX XXXX standards 5. Immediate correction or deletion of any inaccurate or unverifiable information If this account can not be fully validated with accurate documentation, it must be deleted in accordance with the Fair Credit Reporting Act ( FCRA 611 ). The continued reporting of a balance after an insurance payoff is damaging my credit and financial standing. Please note that failure to correct inaccurate reporting may constitute a violation of federal law. I am prepared to pursue further action if this matter is not resolved. I request a prompt and thorough resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
I am submitting a formal dispute regarding the reporting of my student loan account by Aidvantage. The information currently being reported is inaccurate, misleading, and appears to violate the Fair Credit Reporting Act ( FCRA ). For approximately XXXX years, Aidvantage failed to report this account to the credit bureaus. The account was closed in or around XXXX. However, in XXXX, Aidvantage began reporting the account and included multiple instances of 90120 days late payments. This reporting raises several serious concerns : 1. * * Improper Re-Aging of Debt ( FCRA Violation ) * * The sudden reporting of delinquent payments years after the account was closed suggests that the account may have been improperly re-aged. Under the FCRA, the Date of First Delinquency ( DOFD ) must remain accurate and can not be altered to extend the reporting period. Any change that makes the delinquency appear more recent than it actually is is a violation of federal law. 2. * * Failure to Report Accurately and Consistently * * Aidvantage failed to report this account for an extended period and then introduced severe delinquency codes ( 90120 days late ) years later. This creates a misleading and incomplete credit history, which does not accurately reflect the true payment timeline. 3. * * Potential Inaccuracies in Payment History * * I request full verification of the reported late payments, including : * The exact Date of First Delinquency ( DOFD ) * A complete payment history * Documentation proving the accuracy of each 90120 day late mark 4. * * Violation of FCRA 623 ( Duty to Report Accurate Information ) * * Under FCRA 623, furnishers are required to provide accurate and complete information. Reporting delayed, inconsistent, or misleading dataespecially after a long period of non-reportingfails to meet this standard. 5. * * Violation of FCRA 611 ( Failure to Conduct Reasonable Investigation ) * * If this information has been verified without a thorough investigation, it would constitute a failure to comply with the FCRAs requirement to conduct a reasonable investigation of disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
Each entity is not wanting to take responsibility to correct and remove the interest that accrued during the pandemic and the court injunction under the XXXX repayment program. Attached please find the account history going back to XX/XX/XXXX when payments are made and interest is being applied during the XXXX XXXX. Interest needs to be removed from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to the present date. I want this done so XXXX can payoff these loans. - Interest as only to accrue from XX/XX/XXXX to XX/XX/XXXX which amounts to {$160.00}. I make payments weekly through MOHELA and interest is being applied. I need the interest subsidy to be applied. Need to provide adjustment due to court injunction during forbearance under the XXXX program. ( interest accrued adjustment from XX/XX/XXXX through XX/XX/XXXX and from XX/XX/XXXX to the present date ).

Company response to consumer: Untimely response
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I open a truist account with the promo code. They stated that no promo code was entered but when you go through the application process it automatically applies the promo code. So it's completely false. They said that I'm in illegible and I believe that they are using fraud and systematically set up their online process to not save the promo code or attach the promo code to the new bank account. A scheme to just get you to open a new bank account and not pay you the bonus that they promise or advertise.

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 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I obtained a solar installation loan through Mosaic ( Solar Mosaic LLC ) in XXXX for approximately {$22000.00}. My loan has since been transferred to Solar Servicing LLC following Mosaic 's XXXX XXXX XXXX filing on XX/XX/XXXX. I have experienced severe financial hardship due to unexpected job loss which forced me to relocate internationally. I reached out to Solar Servicing LLC via email on XX/XX/XXXX requesting hardship assistance including payment forbearance, reduced payment plan, settlement options, and information about loan cancellation under the FTC Holder Rule. Solar Servicing LLC responded but only directed me to call their phone line and did not provide any written information about hardship programs, settlement options, or my consumer rights under the FTC Holder Rule following Mosaic 's bankruptcy. I am unable to make any payments at this time due to complete loss of income. I am requesting the CFPB investigate this matter and require Solar Servicing LLC to provide written information about all available hardship options, settlement possibilities, and my rights to loan cancellation or reduction under applicable consumer protection laws including the FTC Holder Rule. I am a homeowner with the associated property located in Texas. I have acted in good faith throughout this process and communicated proactively with the lender before missing any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: NY

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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
Consumer complaint received 2026-04-29 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: NJ

Complaint narrative:
MY ACCOUNT WAS CLOSED ON XX/XX/XXXX WITH XXXX in my savings account THAT IS ALL OF MY HARD EARNED MONEY I NEED MY FUNDS TO TAKE CARE OF MY DAUGHTER THAT HAS 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 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE INQUIRIES DO NOT REFLECT AUTHORIZED CREDIT ACTIVITY. I DID NOT PROVIDE CONSENT FOR THEM. I AM FORMALLY DISPUTING THESE ITEMS AND REQUEST A THOROUGH INVESTIGATION. IF THEY CAN NOT BE PROPERLY VERIFIED, THEY MUST BE REMOVED IMMEDIATELY.

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 2026-04-29 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: CA

Complaint narrative:
Ref : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputer # XXXX XXXX After attempting several disputes with returns, Citi requested additional information. Even after providing it, they still did not fully satisfy my request. On XX/XX/year>, I called the customer service department and spoke with XXXX. She informed me that I am only allowed a credit of {$170.00} from Citi instead of the full {$390.00}. My question is : Since Citi already approved the {$170.00} credit, does't that mean they have accepted my dispute? If so, why did I only receive a partial credit?

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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/year>, I had called ally and negotiated my balance to be settled in full for {$7100.00}. I had stressed to them how important it was that I have the settled in full letter before XX/XX/year>. They assured me it would be no issue. I was transferred to a company called ACI pay to do the bank transfer. The person on the other line verified the name and address on the bank account, then proceeded to make XXXX different transactions to make the full paid amount to the agreed upon settlement of {$7100.00}. Upon checking the receipts that were emailed to me, after noticing that the money had not left the account, I noticed they put the wrong name, and several different wrong addresses for the bank transfer, therefor it was returned. I called Ally and explained to them what happened, I was then transferred multiple times and informed my account was closed. I then sent the {$7100.00} to Ally via XXXX XXXX which also had to be in XXXX transactions with a total cost of {$94.00} for transfer fees. I am still being denied a Settled in full letter, which in turn will cause issues with my house, due to this needing to be paid from my divorce and may cause a foreclosure. They also blocked my wife and I 's numbers from there customer service number while trying to fix this issue. I have been calling trying to fix this issue for XXXX weeks, and every time I call it is pushed off to another department and then they blame another department.

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