vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I opened a {$31000.00} debt consolidation loan with SoFi. As part of the agreement to secure a lower APR, SoFi was to handle direct payoffs to my existing creditors. They successfully paid off one lender right away, but entirely failed to disburse the portion meant to pay off my XXXX XXXX loan through XXXX XXXX XXXX, which had an initial planned payoff amount of {$6200.00}. It has been three weeks since the loan originated and the funds still have not been received by the credit union. When I contacted SoFi support, they stated it was an internal IT glitch and that their IT department could take another 15 days to investigate. Meanwhile, SoFi has fully activated my loan, set my first autopay for {$610.00} on XX/XX/year>, and has already charged me {$120.00} in accrued interest on a master balance they failed to fully distribute. Because SoFi has delayed this disbursement for three weeks, I am being forced to suffer double interest accumulation. Furthermore, I was forced to make an out-of-pocket payment of {$200.00} to XXXX XXXX XXXX on XX/XX/XXXX to protect my credit score from a delinquency. Because of this payment, my remaining balance with them is now {$5900.00}, which is roughly {$200.00} lower than the {$6200.00} SoFi initially withheld from me. SoFi is actively holding my own funded money hostage while charging me interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I disputed 20 transactions from XXXX XXXX XXXX totaling {$39000.00} on my American Express account. In a CFPB response dated XX/XX/XXXX, American Express stated that it had issued permanent credits totaling {$8600.00} and provisional credits totaling {$31000.00}. American Express further stated that the provisional credits could potentially be rebilled after reviewing any merchant response. Because I could not locate or verify the alleged {$31000.00} in provisional credits on my account statements, I believed the remaining disputed transactions were still unresolved and filed an additional CFPB complaint seeking clarification. In a subsequent CFPB response dated XX/XX/XXXX, American Express stated that all 20 disputed charges totaling {$39000.00} had been credited on or before XX/XX/XXXX, and that the credits were permanent. American Express also stated that although provisional credits had initially been rebilled, all disputed charges were ultimately credited after I re-disputed them. These two responses appear inconsistent. The XX/XX/XXXX response distinguishes between {$8600.00} in credited charges and {$31000.00} in provisional credits, while the XX/XX/XXXX response states that the entire {$39000.00} was permanently credited by XX/XX/XXXX. After reviewing my account statements, I was able to identify dispute credits totaling approximately {$8600.00}. However, I have been unable to locate credits totaling {$31000.00} or any account records showing when or where those alleged credits were posted. I am requesting that American Express provide a complete accounting of all 20 disputed transactions, including the date and amount of each credit, details of any provisional credits, rebills, reversals, or adjustments, and documentation showing exactly where the alleged {$31000.00} in credits appeared on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRING OAKS CAPITAL LLC Reported : XX/XX/XXXX {$1900.00} Needs Attention Overview You have 100 % left to pay on this collection. Balance {$1900.00} Highest Balance {$1900.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type Derogatory Responsibility Individual Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info -- -- -- -- -- -- -- -- -- -- Hard Inquiry XXXX XXXX Inquiry : XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- - CLOSED ACCOUNT XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1400.00} Closed -- -- -- -- -- -- -- -- -- -- XXXX Reported : XXXX. XXXX, XXXX {$2800.00} Closed Balance {$2800.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( 1 yr, 8 mos ) Term 24 months Derogatory Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Closed XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
On XX/XX/year>, I sent a formal debt dispute letter to Transworld Systems Inc. ( TSI ) regarding an alleged student loan debt. On XX/XX/year>, I received a response from TSI ( which they backdated to XX/XX/year>, according to my XXXX delivery notifications ) .In their response, TSI claims I owe balances of {$7800.00} ( TSI Ref XXXX ) and {$10000.00} ( TSI Ref XXXX ) to XXXX XXXX XXXX XXXX.However , this collection attempt is completely unlawful. I have already settled my federal student aid debt portfolio in full. I hold an official Federal Settlement/Compromise Notice directly from the U.S. Department of Education explicitly stating that my debt was settled in full for {$9300.00}, my balance is {$0.00}, and no further payments are due.TSI is pursuing an invalid debt based on completely outdated records. I am uploading both my official U.S. Department of Education Settlement Notice and the letter TSI sent me.I demand that Transworld Systems Inc. immediately close files XXXX and XXXX, update their records to show a {$0.00} balance, and permanently cease and desist all communications and collection attempts with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I used a new Citi XXXX XXXX card to pay for a {$25.00} XXXX Subscription. When I logged into my account, there was an Alert to call the company. I tried calling the company multiple times, had issues with the verification process, got the run around and had to wait for mail verification. When I received the mail verification, I called multiple times over multiple days to get the issues addressed. Again, multiple holds, transfers and ultimate hang ups. I finally got a hold of them this morning and went around in circles and closed the account. The {$25.00} transaction never went through with this card, but I paid off the account in full ( {$25.00} ) - and I had to use a different card to pay for the XXXX Subscription. Citi owes me {$25.00}.

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 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I called CareCredit and spoke to customer service agent and a manager about interest reflected on my account. I asked if I could reduce my overall interest. They both declined by request and said to pay over {$600.00} so the interest to reduced. I do not have an extra {$600.00}. In addition to this, they charged my account an interest charge of over {$300.00}. I was not offered any other solutions. I am committed to paying off this debt and plan to pay the entire balance as a lump sum in XXXX of XXXX. I just need the interest stopped today so I can reach that goal.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for 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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/year>, I paid Ally Auto XXXX {$340.00} from my XXXX checking account. Ally is claiming on my Ally transactions that the payment was returned to my bank which led to me paying an additional {$150.00} today to avoid any repossession action or reporting to the credit bureau. I then checked my XXXX XXXX statement and found that the payment mod {$340.00} made on XX/XX/year> was withdrawn and never returned. I also confirmed with XXXX by chat that the payment was successfully processed and was never returned. I have provided screenshots as proof. My bank has also denied me my right to disputing the transaction so I have no other means to resolve the matter.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I open an checking account at Citi Bank and added my son because I was having some work done on my house and he could supervise and pay the contractors. On XX/XX/XXXX this checking account was blocked without any warning to me. All of my utilities ' bills were automatically paid from this checking account. When I called the bank I was told there was a court order for my son 's creditors and the bank gave me the collections agency number. When I called the agency I was told they could not discuss this claim with me, only with my son. I opened anther checking account and had all my auto pay bills changed to the non-joint new account, It has been over a year and my personal banker and I have tried to close the blocked checking account w/o success. On XX/XX/XXXX a check for me was but into the blocked in error. I was told on Citi Bank legal can take the block off. I have called legal many times and was told they can not discuss the claim with me. they advise me to call the collection agency, the collection agency also said they could not discuss the claim with me. So we had a 3 way call with my son. He was told that Citi bank had not paid the claim or provided proper paper work. So the account is still blocked.

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 2026-06-08 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: PNC Bank N.A.
State: TX

Complaint narrative:
on XX/XX/XXXX i received a text from who i thought was XXXX. it was not. it had all my info and points on the text and took me to what looked like a legit XXXX log in page. well, they were able to obtain my card information and committed fraud. they started with {$2.00} via XXXX themselves, then days later went to {$4.00} then days later went to {$9.00} and kept going until my account was emptied, totaling {$1800.00}. i didnt catch this earlier on as my XXXX suffers from XXXX so we were admitted in the hospital for about 2 weeks off and on before i realized what was going on. i reported these claims on XX/XX/year> and have yet to get a resolution. they initially denied my claims and would not provide me with a reason. nor would they transfer me to a rep that could give me clarity, the agent stated " i dont think they will help, they will just give you the run around ''. now their denial reason is i have association with this debit card and cashapp, which I DO NOT have any association to XXXX. i provided them with the text i received as well as the police report i filed for the fraud and they are refusing to give me my money back. i just want my money returned as i have provided all the proof that this was fraud and i did not authorize these transactions for any reason, nor do i know the person who committed the fraud. this is with PNC BANK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am submitting a complaint regarding PayPal and an unresolved negative balance dispute totaling {$3700.00} USD. I reported the transaction to my bank, and the bank processed a chargeback after investigating the matter. However, PayPal denied my dispute based solely on tracking information provided by the merchant and placed my PayPal account into a negative balance. I dispute this debt because the tracking information does not prove delivery to my actual address. I have repeatedly requested : * verification of the full delivery address, * recipient name, * package weight, * proof of delivery, * and carrier verification. For over a month, I have been repeatedly transferred between PayPal departments without receiving a proper manual investigation or clear answers. I continue to receive automated responses directing me to other departments instead of resolving the dispute. I am requesting : 1. A formal manual investigation, 2. Validation of the alleged debt, 3. Verification of the actual delivery details, 4. And review by a supervisor or executive escalation team. I believe the seller may have provided misleading tracking information, and I believe PayPal failed to properly investigate the dispute before holding me responsible for the balance. I respectfully request assistance in obtaining a fair review and resolution of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit 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: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
Concora credit is in violation of the ( FCBA ). I filed two disputes for two items. I provided the XXXX XXXX with pictures and a detailed explanation. Concora credit states in an attached letter that the disputes was resolved in the companys favor because the transaction were unauthorized. I never stated that the transactions were not authorized. Concora referred me to the merchant for quality of merchandise when in fact this dispute is covered under the ( FCBA ). I purchased a gold bracelet from XXXX the bracelet turned out to not be what the merchant claimed it was so I dispute the purchase in due time with Concora credit and sent more details when they kept referring me to the merchant. The company is not adhering to the ( FCBA ). I made a second dispute it that was wrong as well. I did not dispute three items with Concora. They have consistently given inaccurate information and claims regarding the disputes that were filed. I have given you new information in this complaint as well as the earlier complaint. If this is not resolved timely and the dispute processed correctly you leave me no other choice than to file a writ and summons in Connecticut for violating the ( FCBA ). I will be filing subsequent complaints with Connecticut consumer protection and the Department of Banking. I have given you all the information and new information in this complaint and previous complaints. Furthermore, I requested your legal departments contact information and that was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the collection account referenced below. This alleged debt is unfamiliar to me, and I have no knowledge of, responsibility for, or verified connection to it. As a result, I believe the account is inaccurate, unverified, or does not belong to me. The continued reporting and collection efforts regarding this account have caused significant concern and disruption. Despite my requests for clarification and verification, this matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kikoff Inc.
State: NY

Complaint narrative:
I paid {$450.00} back last week was eligible for {$250.00} then paid that back last week, it stated I'm eligible after XX/XX/year> so I go on to get my new advance and if says now there's a charge back and not eligible. This is not fair I need my advance they ripped me off and I can't get a hold of anyone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Since reporting this matter, I have spent hours being transferred between multiple departments and representatives without receiving consistent information or a clear resolution. During one conversation, I spoke with a representative named XXXX in the Consumer Protection department, who stated that the account may not have been thoroughly reviewed and that the investigation may have concluded the transactions originated from a recognized device. However, my dispute is not based solely on whether someone had access to a known device or account. My dispute is based on the fact that post-death transactions occurred after the account holder passed away and those transactions were not authorized by the deceased individual or by the estate. In my view, the investigation failed to thoroughly review or properly address that issue. The fact that transactions may have come from a recognized device does not automatically make them authorized or lawful after death. I believe the review was inadequate and that reimbursement should have been issued. Additionally, after providing my information and submitting probate documentation, including Letters of Administration and other requested estate documents, I was still informed that correspondence and information were being mailed to individuals connected to the disputed transactions rather than solely to me as the court-appointed estate administrator. This raised serious concerns regarding privacy, impersonation, unauthorized access, and the handling of estate information. I also previously raised concerns regarding possible impersonation and unauthorized access issues through emails and communications sent to the company, but I did not receive meaningful follow-up regarding those concerns. I am requesting that all of these issues, concerns, complaints, and prior communications be formally documented and reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am filing this new complaint because the collection agency, Lockhart Morris & Montgomery ( XXXX ), improperly closed my previous complaint ( Case No. XXXX ) by claiming a " name mismatch '' to avoid investigating the core dispute. The debt ( {$22000.00} ) stems from an unfair and fraudulent XXXX XXXX contract. XXXX recently updated this debt on my credit profile under my current legal name, XXXX XXXX. However, when I challenged them via the CFPB, XXXX claimed they could not validate the account or release information because the original contract reflects my former legal name, XXXX XXXX, despite the last 4 digits of my SSN matching perfectly. This is highly contradictory and a violation of the Fair Credit Reporting Act ( FCRA ). If XXXX claims they can not verify that this account belongs to me due to a name mismatch, they have absolutely no legal right to report this negative tradeline onto my credit profile under my current name. To completely eliminate their excuse, I am explicitly attaching my official Legal Name Change Decree to this complaint to prove that XXXX XXXX and XXXX XXXX are the exact same individual. XXXX must now cease using this administrative loophole and address the fraudulent nature of the debt immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation