vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: PA

Complaint narrative:
Client charged {$1900.00} to their Synchrony CareCredit card and changed their mind as to which card they wanted to use so we issued a credit to their account for {$1900.00}. The credit card company excessively refunded the account 3 times, resulting in charging our small animal hospital with {$3800.00} credit they gave to the customer. Since it happened in XX/XX/year>, we have been in contact 3 times and the client has told them the credit on their account is erroneous. They are not responding to our requests to return the {$3800.00}. To put this in perspective, this amount is over half of our daily gross production. 
Additionally, they have had this money to use for almost a 1/2 year, neither refunding it to us or issuing a check to our client. This bank charges up to 34.99 % to cardholders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I filed a dispute with Chime regarding three unauthorized transactions made to XXXX from my checking account. 
The Dispute ID is # XXXX. 

The disputed transactions were : {$26.00} on XX/XX/year> at XXXX XXXX  {$1100.00} on XX/XX/year> at XXXX XXXX  {$120.00} on XX/XX/year> at XXXX XXXX The total disputed amount is {$1300.00}. 

I submitted the dispute on XX/XX/year>, but on XX/XX/year>, I was notified that my dispute was denied. 

These transactions were not authorized by me. I did not make these purchases, did not share my login credentials, and did not give permission to anyone to access my account. At the time of the transactions, I was not in control of my phone. 

I am requesting a re-review and further investigation, as this activity was fraudulent and caused financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
The student loan servicer known as Nelnet obtained my bank account information from a source that I am unaware of and started charging my account {$150.00} since XX/XX/XXXX. My understanding was that the student loan was discharged due to the policy decisions of the previous government, and my tax returns for XXXX was garnished causing me to suffer unjustly, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
What I Want : I am requesting CFPB review and enforcement to ensure XXXX  : XXXX. Removes all internal security restrictions on my XXXX XXXX XXXX card ending XXXX. 
XXXX. Confirms I can use this card normally going forward. 
XXXX. Provides a clear explanation for why these blocks occurred. 
XXXX. Establishes a real, non-scripted process for consumers to dispute or correct unjustified usage blocks. 
XXXX. Stops the practice of arbitrarily blocking verified payment methods with no notice, explanation, or recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: NV

Complaint narrative:
I reported 24 fraudulent, unauthorized charges on my American Express XXXX card on XX/XX/year>. Despite prompt reporting and full cooperation, American Express has failed to conclude the fraud investigation after more than XXXX months, exceeding the timelines required under the Fair Credit Billing Act. I keep being told that I have to keep waiting for a response from the fraud department. I have not received a final determination in writing, and the prolonged delay has caused unnecessary stress and potential financial harm. American Express has not provided a valid explanation for the delay nor a definitive resolution date. I am requesting : Immediate closure of the investigation Permanent removal of fraudulent charges Reversal of any associated interest or fees Written confirmation that my credit has not been negatively impacted This prolonged delay constitutes a failure to comply with federal consumer protection laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I signed up for a free trial with XXXX XXXX  and used the service once on the first day of the trial. I did not use the service after that day. 

After the trial, I was charged {$49.00} per month on a recurring basis for a service I did not use and to which I did not provide informed consent for ongoing billing. 

The charges appeared under multiple merchant descriptors, including XXXX XXXX  XXXX, XXXX XXXX, and XXXX, which materially delayed my ability to identify the charges as one recurring subscription. 

I contacted the merchant directly. The merchant acknowledged the trial but asserted that billing continued based on terms disclosed during signup. Partial refunds were issued, but not all post-trial charges have been reimbursed, despite the same lack of usage and lack of informed consent applying equally to those charges. 

I also disputed the charges with my credit card issuer. Some credits were issued, and others remain under review or were denied based on timing, rather than on the underlying deceptive billing practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Sent from XXXX. Not a real phone number. 
Asking for {$11000.00} for undisclosed debt. 
Very suspicious link. Document had no information what the debt was in reference to. This is suspect for illegal phishing tactics. 





This is Receivables Management Partners , LLC, a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please read the document in the attached image. For a full PDF you can click the link here XXXX. Reply STOP to stop text messages from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/year> I paid {$1800.00} towards my Citibank credit card. In the instant that I paid that {$1800.00}, the bank lowered my credit limit to keep my credit card 100 % maxed out. I asked to be sent to the reconsideration line to have this disputed but they would not send me to anybody else but customer service. I have the calls recorded for proof. I would not have paid the {$1800.00} if I was going to be prevented from using that money. 

I've already gone through so much financial hardship. I'm in the middle of a move to pursue better employment and be closer to family. I needed that {$1800.00} to move back home and put down for a security deposit on a new place. I don't know how I'm going to do it now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: CO

Complaint narrative:
I left the apartment on XX/XX/year> after being unable to pay rent. XX/XX/XXXX I received a XXXX  day notice via email with a balance of XXXX and XXXX rent of {$3500.00}. On XX/XX/year> the assistant XXXX XXXX XXXX emailed me letting me know there was a judgement dated on XX/XX/year>. I responded back and let him know I was no longer in the unit and provided him with my new lease details showing the date of move in as well as my forwarding address. In XX/XX/year> I received a phone call that my front door was open. I called back and let them know that I was no longer occupying the unit as of XX/XX/year>. On XX/XX/year> I received an email from Central billing in regards to a debt that I had with the XXXX XXXX XXXX indicating that I had a {$9500.00} account balance and to call them with any questions. I emailed them on XX/XX/year> asking questions about the amount total. I did not receive a response until XX/XX/XXXX and received an email to call them once again which I did. Once I finally got someone on the phone on XX/XX/year>, they sent an email for me to provide documentation of communication and my new lease agreement from XXXX with XXXX. I provided all documentation and never received a response. It was then transferred to a collection agency and posted on my credit report. 

This emotional toll has been very overwhelming. I have lost sleep, felt constant stress and experienced embarrassment of being turned away by landlords for something that I believe should not even be on my record. This has not only impacted me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did no participate in any of it. They didnt follow the proper 5 step validation procedure According to the FDCPA, I'm entitled to compensation for these violations and clearly they violated my rights and abused my priviledges. I demand this account be taken off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint regarding a deferred interest charge that was added to my Synchrony Bank / Mattress Firm credit card account on XX/XX/year>. I was charged approximately {$900.00} in retroactive interest after a promotional financing period expired. 

I was not aware that the promotion would result in retroactive interest being applied if the balance was not paid in full by the end date. I did not receive clear or prominent notice that the promotion was ending or that this large interest charge would be added. 

I have otherwise maintained my account in good standing and have made payments as required. When I contacted Synchrony immediately after discovering the charge, I was told that the interest could only be waived within a XXXX window, which had just passed. 

I am requesting a one-time goodwill adjustment to remove or significantly reduce the deferred interest charge, as the charge was unexpected and I acted promptly once I became aware of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
DEBT REC SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research DEBT REC SOL 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 2026-01-13 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: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I purchased my ticket directly from XXXX, even though the flight was operated by their partner, XXXX XXXX. XXXX XXXX cancelled my flight, and I did not take the flight. At the airport, XXXX XXXX boarding agent did not allow me to board because I was told I had not paid a pet fee. However, I did not have a pet with me. Despite my explanation, I was denied boarding. I refused to leave the gate area because I believed the situation was a misunderstanding. As a result, the XXXX XXXX agent called the police. The police arrived, instructed me to leave, and explained that I could not take the flight because the XXXX agent had already cancelled it. Since the flight was canceled and I did not travel, I am requesting that XXXX issue my refund immediately. 

If I do not receive my refund, I will submit a formal complaint to the XXXX. I was treated unfairly and discriminatory, as I was asked where Im from originally ( Im originally from XXXX ) and was chargedor expected to payfor a pet fee when I was not traveling with a pet. 

XXXX confirmation code : XXXX. XXXX XXXX confirmation code : 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 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: DISCOVER BANK
State: IL

Complaint narrative:
Purchased a XXXX computer from XXXX XXXX via XXXX around XXXX XXXX  because it was an incredible deal with the increasing price of PC parts. The fans on the XXXX did not work and the item was clearly used before being mailed to me as it already had a login attached to the NEW PC. I know nothing about computer repair. 

I followed the return process provided by the XXXX money back guarantee, documenting the return process with photos until it was handed over to FedEx via the return label XXXX XXXX provided through XXXX. Item was confirmed returned by XXXX and diagnosed by someone. Person left in comment on XXXX the computer had a " swapped '' piece of hardware. Provided no proof besides text. XXXX locked my account and stopped me from speaking to XXXX XXXX through their messaging system. Reaching out to XXXX XXXX directly via phone, I was told I had to use the XXXX process, which again, I was locked out of. XXXX did not make XXXX XXXX provide any proof of this claim and denied my return AFTER they said I was covered by XXXX 's money back guarantee. Item is still in XXXX XXXX 's warehouse. I do not have my money nor the PC. 

I filed a dispute with my credit card ( Discover ) who initially resolved it in my favor, but later changed it when XXXX provided a message stating I did not try to speak to XXXX XXXX through their return process messaging, while also providing screenshot of them locking my account so I could not message them. The XXXX employee I spoke to on the phone told me they always take the larger corporations side over individual buyers. 

When I provided evidence to Discover, I called and spoke to someone who claimed they worked in the disputes department and he told me their system is automated. The evidence doesn't seem to be look at by a human and denies the evidence automatically. 

The employee told me he can not do anything because the number is too large for their employees to overturn the dispute. I contacted XXXX days later via their chat option and was actively told by the dispute employee to file with the cfpb to get my money back ( screenshot provided ) This item is {$2100.00} and XXXX XXXX is stealing it from me. They did not provide a working computer and the person who messaged XXXX lied, with no photographic proof, about the item and XXXX immediately took their side without letting me respond. 

XXXX will not talk to me on the phone about this and the employees hang up on me when I try to talk to them about it. 

I want my money back and my credit card is supposed to have my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I revoked the right of ACH payment from my XXXX XXXX XXXXXXXX account. They sent a confirmation but have yet to remove the scheduled payment that is schedule to come out. I want this canceled and I want these fees reduced. Over XXXX XXXX interest is predatory and not what they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: AL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i inadvertently paid a bill online from my XXXX account to a XXXX XXXX XXXX that was closed years ago. when i call the underwriting bank, Synchrony Bank, they claim they have no record of my account or any payments using my SS number. I have proof in writing from XXXX that they received {$78.00} on XX/XX/year>. All i get from Synchrony bank is transfer upon transfer with no one seeing the money and then they finally transferred me to the present underwriting bank, XXXX who of course cant do anything as they didn't get the money .. All overseas service centers with a bit of a communication gap. 

thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I made several significant purchases on XX/XX/XXXX and XXXX, XXXX, specifically targeting the XXXX bonus category for XXXX. The attached XXXX receipts reflect that the Date of Purchase was indeed in XXXX. However, I was denied the XXXX bonus points because the transactions posted or finalized on XX/XX/XXXX. My recent XXXX purchase on both the Chase Freedom and Chase Freedom Flex all had a zero- or one-day turnaround except for the largest payment that had a two-day turnaround. The fee associated with the payment occurred at the exact same time as one another, yet the fee had a transaction date on XX/XX/XXXX and the payment had a transaction date on XX/XX/XXXX. 

Rewards should be based on the transaction date, which represents when the consumer fulfills their obligation of the purchase, not the post date, which is subject to variable merchant processing times out of my control. 

I request a one-time deposit of the remaining XXXX points for these transactions to bring my total to the XXXX I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I am paying {$500.00} per month on my consolidated student loan serviced by Aidvantage. I get payment confirmations emailed to me but no statements. My balance for XXXX barely budged, I got a tax doc saying I only paid XXXX dollars in interest for XXXX, I got an email saying I have unpaid interest, but I can not get any statements or details on nearly {$40000.00} of student debt. Customer service said my account was in forbearance so I will not receive statements, but the account is actively accruing interest. My account is on the XXXX plan with a forbearance until XXXX, no payments are due but interest accrues. Customer service said I can use their online tool to recalculate any charges I am getting, but that is not official. Please help me get statements, Aidvantage wants to obfuscate the servicing of my loan.

Company response to consumer: Closed with explanation