vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 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: HI

Complaint narrative:
XXXX XXXX today I received a call from American Expeess stating someone tried to use a credit card in my name to purchase firearms without a license on XXXX XXXX in XXXX XXXX denied I had an American Express card with # XXXX XXXX XXXX XXXX.\n\nShe then told me it was a federal crime therefore she will transfer me to the FBIi hotline in XXXX XXXX \n\nI then spoke to a XXXX XXXX badge number XXXX A video call was made vi as teams.\nProvided information that the credit card was not mine. \nHe then asked for ID information . \nI provided my Hawaii i drivers license.\nHe has a picture of it due to the video call. \n\n\nHe then stated to me I was involved with a money theft ring headed by XXXX XXXX XXXX stated I received 3million dollars from XXXX XXXX for participating in the theft.\nI then became suspicious of the call and hung up.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding my credit card account issued by Comenity Bank for purchases made at XXXX XXXX. I purchased rings totaling approximately {$5000.00} and was enrolled in an 18-month deferred-interest promotional plan. I did not receive paper statements for this account. The promotional plan was not clearly communicated to me in a manner that ensured I would be aware of its expiration date. The plan expired on XX/XX/year>, and shortly after, I was charged over {$2000.00} in accrued interest retroactively from the date of purchase. I contacted Comenity Bank to request a review of these charges and to explore options for adjustment due to financial hardship. The representative acknowledged my inquiry but refused to remove or reduce the interest, providing no relief or alternative payment arrangements. The accrued interest now consumes nearly all of my monthly payment, making it impossible for me to pay down the principal. I am experiencing financial hardship as a result, and I believe the charges were not properly disclosed or communicated. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
This dental bill isn't mine. I was informed that my insurance covers all treatment. XXXX XXXX XXXX obtained my social security number illegally because it was never provided. My son recieved services that I was told were covered by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
{$1600.00} was deducted during a failed ATM attempt, a supervisor promised a refund by Tuesday, the transaction has now " disappeared '' from history, and the bank is refusing to open an investigation. Since then I have been to the XXXX XXXX and XXXX XXXX locations and getting the same run around from the branch managers. XX/XX/year> ATM Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
requested information on closed account. Company stated I would need to contact XXXX XXXX XXXX for information on account. Provided with me a phone number. Acct paid off in full with XXXX XXXX XXXX on XX/XX/year>. Received an alert that account was Charged Off. AGENT AT FIRST PROGRESS AND XXXX XXXX DID NOT DISCLOSE THAT ACCT WAS CHARGED OFF WHEN ASKED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am filing a complaint regarding the bad faith denial of my Trip Interruption insurance claim by XXXX XXXX , the administrator of American Express XXXX XXXX XXXX. Claim Number : XXXX Claim Amount : {$5900.00} THE INCIDENT : On XXXX XXXX XXXX, I was hospitalized during my honeymoon in Koh XXXX XXXX XXXX with XXXX XXXX. Lab results showed XXXX at XXXX XXXX ( XXXX normal ). Medical staff advised I could not fly. We canceled our planned trip to the XXXX and booked emergency flights home to XXXXXXXX XXXX on XX/XX/year>. THE CLAIM : I filed a Trip Interruption claim in early XX/XX/year>. After XXXX days with minimal communication from the XXXX ( who ignored 3 consecutive days of phone calls ), my claim was denied on XX/XX/year>. DENIAL REASON : " One-way travel that does not have a return destination '' WHY THIS IS WRONG : The policy explicitly states : " The period of round-trip travel may consist of roundtrip, one-way, or combinations of roundtrip and one-way tickets. '' My trip was exactly this. I HAD a return destination ( XXXX, XXXX ). I RETURNED there on XX/XX/year>. The policy does NOT require all tickets be booked before departure. XXXX verified my illness as a " Covered Loss '' - then denied the claim anyway. BAD FAITH CONDUCT ON XX/XX/year> : I spent over XXXX hours on recorded phone calls with XXXX : Call XXXX : XXXX minutes XXXX seconds with representative XXXX. She acknowledged she could not find policy language supporting the denial. She was transferring me to a supervisor when THE CALL WAS DISCONNECTED. Call 2 : Approximately XXXX minutes with XXXX XXXX XXXX XXXX ( XXXX ). She provided SIX different denial reasons - NONE of which appeared in the original denial letter : 1. No return flight booked before incident 2. Lodging not covered under Trip Interruption 3. " Destination '' means " ticket '' ( redefining policy terms ) 4. Pre-existing condition ( impossible - illness occurred DURING trip ) 5. Covered trip wasn't purchased until return booked 6. Return must be booked before departure ( not in policy ) When I refuted each reason with policy language, she shifted to a new reason. She admitted the adjuster " should have included '' these reasons in the denial letter. The call was then disconnected while I was mid-sentence. Both calls were recorded. PATTERN OF BAD FAITH : - 60+ days of adjuster non-responsiveness - Claim denied within 1 hour of customer service escalation - Multiple disconnected calls - Shifting denial reasons not supported by policy language - Inventing policy requirements that don't exist - Supervisor hung up on me twice

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
A XXXX sales representative came to my home and sold me a home security system. During the transaction, the representative had me sign on an XXXX without clearly disclosing that I was entering into a five-year contract or that a separate line of credit was being opened in my name through XXXX XXXX XXXX XXXX XXXX the equipment. At no point during the sales interaction was I adequately informed of the contract length, the financing terms, or the fact that a new credit account was being established. The sales representative did not explain these material terms and simply directed me to sign the XXXX. This experience is consistent with a well-documented pattern of deceptive door-to-door sales practices by XXXX. The Federal Trade Commission required XXXX to pay {$20.00} XXXX to settle charges that the company misused consumer credit reports and used deceptive tactics to secure financing for customers. The Department of Justice separately fined XXXX {$3.00} XXXX for making false statements to secure customer financing. A federal jury also found XXXX liable for using deceptive sales practices to lock customers into high-priced, multi-year finance and monitoring contracts. I did not knowingly consent to a five-year contract or to having a new credit line opened in my name. The failure to clearly disclose these material terms at the point of sale constitutes a deceptive practice under both the FTC Act and the Truth in Lending Act ( TILA ), which requires clear disclosure of all credit terms before a consumer is bound. Desired resolution : I am requesting that the contract be voided due to inadequate disclosure, that the Fortiva credit line opened without my informed consent be closed, that any associated adverse credit reporting be removed from my reports with all three major bureaus ( XXXX, XXXX, and XXXX ), and that I receive written confirmation of these actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
My benefits from XXXX were used but not authorized by me. I did not use any of my benefits from XXXX ( bank of America card ). My card was mailed to the wrong address and I did not make any of the transactions from that Bank of America Edd card. Bank of America refuse to send me a new card to my correct address with the benefits that were loaded on to the card. Please help me to retrieve a new card with the benefits that are entitled to me. Thank you!

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 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Unauthorized transfer of funds from a XXXX account. I did not authorize a transaction. I did not sell the cell payment. I did not give anyone access to my account. The amount was {$3400.00}.

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 explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am writing to formally raise a concern regarding my experience at your XXXX XXXX XXXX XXXX, XXXXXXXX XXXX location, on XX/XX/XXXX at approximately XXXX XXXX. I visited the branch to make a withdrawal, specifically requesting smaller denominations ( singles and {$5.00} bills ) in preparation for an upcoming trip. The teller informed me that she did not have sufficient cash available to fulfill my request. I then asked if additional funds could be retrieved from the vault, but I was told that this was not possible. Earlier that week, I had called the branch to confirm whether I needed to place an order for the cash in advance. Given my prior experience working at XXXX XXXX XXXX, I am familiar with standard banking procedures and made an effort to ensure I followed proper protocol. While I understand that I arrived close to closing time, I was still within business hours and expected to be assisted. It was disappointing to learn that I could not be accommodated, particularly if vault access had already been restricted prior to closing. As a result, I incurred unnecessary transportation costs and lost valuable time. Additionally, after speaking with the branch manager, it appeared that closing procedures may have been initiated before the official closing time, which impacted the service I received. I would appreciate it if someone could contact me to address this matter. I have not encountered similar issues with other financial institutions, including XXXX XXXX and XXXX XXXX XXXX, and I hope this situation can be reviewed to prevent similar experiences in the future. Thank you for your 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 2026-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I requested the power of attorney paperwork 3 times to renew my vehicle registration for my leased vehicle from Santander Consumer USA ( ha ). Once online, once on the phone and it was to be emailed in 3-5 days but wasn't. I called again after 2 weeks and was told I needed a lawer for it. I called back another time that day ( XXXX ) and they said they would overnight it. They then advised it would be overnighted in 3-5 days after processing. My plates expired 16 days ago now. Everyone speaks with a heavy XXXX accent and we barely understand each other.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
For some reason this month I started receving daily " payment due soon '' reminder emails from Synchrony regarding my PayPal XXXX account. Every other month I receieved ONE, which is all I need. I tried contacting Paypal to stop this and they said it's coming from Synchrony. I contacted Synchrony and they blame Paypal. I want the annoying repeated nags STOPPED

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 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NE

Complaint narrative:
I am submitting this complaint regarding Spring Oaks Capital, a debt buyer that is reporting and attempting to collect on an alleged XXXX account. I sent a written debt validation request via certified mail, which was delivered on XX/XX/year>. In that request, I asked for full validation of the alleged debt, including a copy of the original signed agreement, a complete payment history, a full itemization of the balance, and documentation demonstrating lawful ownership and authority to collect. As of today, Spring Oaks Capital has failed to provide sufficient documentation validating this debt. Despite receiving my dispute, the company continues to report this account to consumer reporting agencies. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, a debt buyer must provide proper validation and conduct a reasonable investigation when a debt is disputed. Reporting or attempting to collect on a debt without adequate documentation may constitute inaccurate or unverifiable reporting. Because Spring Oaks Capital has failed to validate this alleged debt, I dispute the validity and accuracy of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: KY

Complaint narrative:
I have a XXXX XXXX card that my social security is automacally deposited to card and now is will not let me use it to buy or pay anything

Company response to consumer: Closed with non-monetary relief