vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing a complaint regarding Citis improper denial of a credit card sign-up bonus that I earned under the terms of my account agreement. 

I applied for and was approved for a Citi AAdvantage credit card on XX/XX/year> under an offer to receive XXXX XXXX XXXX miles after spending {$3500.00} within four months of account opening. 

Between XX/XX/XXXX and XX/XX/year>, I made {$3800.00} in purchase transactions. During this period, four XXXX XXXX transactions from XX/XX/XXXX were later credited back to my account, totaling {$99.00}. These were legitimate merchant credits that reversed those specific charges. Even accounting for these reversals, my net eligible purchases still exceeded the {$3500.00} requirement, totaling approximately {$3700.00}. 

In late XX/XX/year>, a separate issue occurred involving my account payments. Due to overlapping payment timing between a bank bill pay and a manual payment I made after a due date concern, two payments were applied to my account, resulting in a significant overpayment and a large credit balance. This was not caused by any dispute or change in spending behavior. 

On XX/XX/year>, I contacted Citi and requested a refund of this overpayment. This credit balance refund was issued solely to correct the overpayment and was not connected to any merchant transaction, purchase reversal, or dispute. 

Citi has incorrectly treated this credit balance refund as if it were a merchant refund that reduced my qualifying spend, and as a result has disqualified me from the promotional bonus. This is incorrect. The refund impacted the account balance, not the underlying purchase activity used to satisfy the spending requirement. 

I have made multiple attempts to resolve this directly with Citi : - Calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> - Representatives consistently acknowledged that my spending met the requirements and that this appeared to be a system or classification error - Multiple internal reviews were initiated - I received response letters that failed to address the actual issue or cited generic language unrelated to the specific facts Most recently, I received a response stating Citi reserves the right to change terms at any time, which is irrelevant, as the terms were not changed and the qualifying spend was met in full within the required timeframe. 

This represents an improper denial of an earned promotional benefit based on incorrect classification of an internal credit balance refund as a spend reversal. I am requesting that Citi manually correct their records and issue the XXXX AAdvantage miles as contractually earned.

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 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: OH

Complaint narrative:
XXXX app and website explicitly stated that my account ( which had a long-overdue balance ) would be reinstated after the loan was paid in full. The companys help pages also back this up, with the caveat that loan limits may ( understandably ) be much lower. The company did not disclose that my account was permanently restricted in any way, until after payment was made in full. No adverse action notice was provided. This is a deceptive and, judging by cursory internet searches, common practice of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
We closed on our home ( refinance ) in late XXXX, and the payment we were quoted was drastically lower than our previous payment. I spoke with multiple agents, had them confirm the amount, discussed the tax analysis, and expressed my concern that something was miscalculated. 

I was told everything was reviewed multiple times and that LoanDepot made a call to my tax office to confirm the tax rate was applied and calculated correctly. Now that we are a little over a year past our refinance, we just got a bill from LoanDepot that indicates the escrow analysis was, in fact, off, and it was off by over XXXX. This would cause my monthly payment to go from XXXX to XXXX a month. 

I called LoanDepot and they said they are not responsible for the miscalculation and I am responsible for the XXXX shortage. They offered to spread the XXXX over 4 years, which I accepted. However, this will now have a snowball effect as taxes will continue to increase, resulting in me being further and further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of XXXX I signed up for a 12 month no interest payment plan at XXXX XXXX when I bought approximately {$550.00} worth of tools, I fully paid off the amount of the tools in XXXX of XXXX, 7 months later but then later started receiving calls that I signed up for their 6 month plan, not 12 months. Since then I keep getting phone calls from Citi Debt Collection and I have repeatedly asked for proof of signing a 6 month contract which they have yet to provide for almost 2 years despite my multiple requests.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked : XXXX CARD - XXXX, XXXX XXXX XXXX, XXXX CARD - XXXXXXXX XXXX XXXX XXXXXXXX, XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this dispute to bring attention to multiple inaccuracies on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I request that these discrepancies be investigated and resolved. Below are the details of the accounts in dispute, separated by bureau : Charged Off Accounts : XXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX CARD, Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} Inquiries : XXXX, Date : XX/XX/XXXX Positive Accounts : No positive accounts identified. 

Late Payments : XXXX, Account # : 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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had an online credit account with PayPal for a number of years. I used the account occasionally to take advantage of their six months free of interest offers on purchases over a certain amount. I had no issue with this service. However, PayPal recently issued a physical credit card in my name without my consent or request. I have my credit reports frozen with all three major credit reporting agencies specifically to protect myself against unauthorized credit being taken out in my name. Yet PayPal seems to have managed to issue this card anyway without my permission. I called the customer service phone number to request that the credit card be removed from my account. I never activated the card. The person I spoke with was unable to help me because of the deceitful practices of PayPal. She explained that I had somehow been notified ( I never saw such notification ) that I had a set amount of time to " opt out '' of receiving a card. I do not want this card, I do not want it included in my credit reports, and I do not want it to exist as a part of my account. I did not agree to receiving it. A credit card should never be issued with an " opt out. '' This is consumer fraud! There should only ever be an " opt in '' option. My newly issued, unrequested card could have been stolen in the mail. I might never have known that someone else had a card in my name and was using it fraudulently until it was much too late for me to do anything about it and my credit would be ruined. PayPal 's actions here are deceptive and underhanded in trying to create more credit card debt by issuing unrequested cards and therefore more profit for their shareholders.

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 2025-11-26 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: IL

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions these accounts or their related information continue to appear or remain unblocked in my file. The following fraudulent accounts must be permanently blocked and deleted from my credit file and any future reinsertion of this or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNTS XXXX XXXX Account No. XXXX, opened on XXXXXXXX XXXX XXXXXXXX Account No.XXXX, opened on XXXX XXXX Account No. XXXX, opened on XXXX These accounts and inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these accounts or inquiries. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records inquiries or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these accounts and inquiries has been permanently deleted and blocked from future reporting.

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zip Co US Inc.
State: IL

Complaint narrative:
I was mailed a mail from XXXX XXXX saying that I owe {$380.00} to Zip Pay in 4 for Zip Co US INC . I have never heard of this/them and owe them absolutely nothing. They have my home address and sent the mail there. I callled XXXX XXXX  who insisted I give them personal information in order to share the origination date which was allegedly XX/XX/year>. Again, this is completely fraudulent and I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX, XXXX, 2025 I called Chase credit card customer service XXXX and XXXX (XX/XX/XXXX ) to request a courtesy adjustment of accrued interest that did not appear in my statement balance when I paid down the balance to {$0.00}. 
I recently paid my credit card balance down to XXXX, but I was later charged additional interest that didn't appear in the statement balance I paid. I have been a responsible customer and believed I fully paid the amount owed. 

On XX/XX/year>2025, I paid {$2100.00}, which matched the XXXX statement balance reflected in the mobile banking app. Because the app displayed this as the statement balance, I believed this was the full payoff amount. However, on XX/XX/year>2025, a purchase interest charge of {$29.00} was applied. This charge was unexpected and confusing because it did not appear in the statement balance, even though it accrued after the statement date. When I spoke to the XXXX XXXX I explained my situation and he explained this happens due to system parameters that cause interest to continue accruing between the statement date and the date payment is received. 
The courtesy waiver could not be done. I asked to speak to his manager and he stated he nor anyone above him could help. He was the " highest ''. XXXX indicated my only option was to write to corporate and submit my request. For me to have to write to corporate for a courtesy waiver of {$29.00}, did not seem to make sense. 

I could not see the remaining interest at the time I paid the full statement balance, which created confusion and made the payoff amount appear misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, Citi sent me a text to call to speak with someone about my account. My credit card account number as of that date was XXXX. I called, and the agent I spoke with asked me to confirm a few charges, which I did, telling the agent all of those charges were legitimate. On XX/XX/XXXX, I received another text asking if I recognized a large charge on my account, and I responded that I did not, so I was asked to call Citi. I called Citi on XX/XX/XXXX and explained that that large charge, and two smaller charges I then saw on my account were not made by me. Citi agreed to close that account number and mail me a new card. Then the Citi representative asked me for my address, which I provided, and I was told they have a different address for me on file. Then she asked for my email, and I was told she had a different email for me on file. Then she asked me if I had requested a new card on XXXX the XXXX, and I told her I had not. So she corrected my address and emails back to the originals and told me a new card with a new account number would be mailed out to me. My complaint is that Citi never contacted me prior to this incident of XX/XX/XXXX to ask if I had changed my address and email. When I contact Citi they confirm me by sending an approval that I must agree to to my Citi app. Therefore, how could they have let someone contact them and they agreed with the fraudster to change my address and email without confirming them, which the fraudster could not have confirmed, because he does not have my secure app. It is unclear to me if they actually mailed the fraudster a credit card in my name. Perhaps you can find out from them. In my opinion, they need to inform one of their credit card customers, such as me, when they have been contacted to change and address and email, not to just XXXX XXXX  make the change and not inform me.

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 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
I am filing a complaint regarding the handling of my federal student loans by XXXX XXXX XXXX and MOHELA and as it affects my eligibility for Public Service Loan Forgiveness (XX/XX/XXXX). 

I currently have XXXX qualifying XXXX payments out of XXXX. I have submitted multipleXX/XX/XXXX Buyback applications and multiple IDR applications, but they are not being processed in a reasonable time frame and I have not been offered escalation support. 

Timeline Summary :XX/XX/XXXX Buyback applications submitted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Original IDR/IBR application XXXX XX/XX/XXXX Advised by MOHELA to resubmit : XX/XX/XXXX ( which canceled the original, active application ) Current application still pending with no timeline or progress updates Because of these delays, I am unable to make my final XXXX qualifying payments, even though I remain employed full-time in qualifying public service, and would otherwise be eligible for forgiveness. 

MOHELA has been unable to escalate, provide a supervisor with authority, or offer a resolution timeline. My case represents a failure to process critical applications efficiently and may result in financial harm, including unnecessary interest accrual, loan balance extension and emotional distress. 

Requested resolution : Immediate review of my pending buy back applications Immediate review of my pending IDR application Immediate processing update or decision on buyback request and/or IDR payment resumption. 

Restoration of XXXX application effective date, if possible A written response outlining next steps

Company response to consumer: Untimely response