vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Avant/XXXX charged a {$75.00} annual fee on XX/XX/XXXX labeled ANNUAL FEE XX/XX/XXXX THROUGH XX/XX/XXXX. The charge appears to cover a future annual period from XX/XX/XXXX through XX/XX/XXXX. I closed the account on XX/XX/XXXX, at the very beginning of that new fee period, and requested that the annual fee be removed or refunded because I would not receive the benefit of that future year of account access. Avant also charged a {$8.00} monthly fee on XX/XX/XXXX. I asked Avant to remove or refund the annual fee and to explain whether the monthly fee would be removed. I spoke with a representative named XXXX, who told me Avant would not refund the annual fee because the account had been open for about XXXX year and because I had used the card after the first annual fee from the prior year. I believe that explanation does not address the actual disputed fee. I am not disputing the prior years annual fee. I am disputing the new {$75.00} renewal annual fee that Avants own transaction description says covers XX/XX/XXXX through XX/XX/XXXX. I asked Avant/XXXX to identify the exact agreement or policy provision allowing it to keep the full renewal annual fee after I closed the account on XX/XX/XXXX, but the company did not provide that provision. I believe it is unfair and misleading for AvantXXXX to keep a full annual fee that is labeled as covering a future period when the account was closed at the beginning of that period. I am also concerned about any interest, late fees, or negative credit reporting related to these disputed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I was out of town, when i came back I was getting phone calls from citi bank stating about a credit card that was opened and used in my name, I explained to them it wasent me but thet insisted that it was citi bank by the way which also led to them closing by best buy card that i had with them and was paid off

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 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing a formal dispute regarding inaccurate negative payment history reported by Goldman Sachs on my Apple Card account. My account was impacted by a systemic processing failure regarding my payment profile. From XX/XX/XXXX through XX/XX/XXXX, my physical card was completely idle with XXXX daily consumer purchases. However, fixed monthly XXXX hardware installments of {$410.00} were being automatically charged to the account each month. Due to an unexpected technical malfunction on the bank 's processing end, my established automatic payment settings failed to execute and pull the funds to clear these installments. I was completely unaware this system disruption was occurring in the background. As soon as I became aware of the systemic error, I immediately took aggressive action to satisfy the balance, proving an absolute good-faith pattern of behavior. On XX/XX/XXXX, I made a massive single catch-up payment of {$1200.00}. Starting in XX/XX/XXXX, I initiated a rapid-fire repayment strategy, making regular manual payments of {$200.00} and {$250.00} almost every single week until the final payment of {$16.00} on XX/XX/XXXX, completely zeroed out the debt. The account has been settled with a spotless {$0.00} balance for some time. I attempted to resolve this billing processing error directly via customer support on XX/XX/XXXX. The representative refused to investigate the technical failure and erroneously advised me to ask the credit bureaus for a goodwill adjustment. Because this severe negative reporting is the direct result of an unnotified technical system disruption on a fully satisfied account, the current credit reporting is non-factual and inaccurate. I request that Goldman Sachs submit an updated electronic data transmission ( XXXX file ) to XXXXXXXX XXXX XXXX XXXX to completely delete the late payment remarks associated with this specific period and restore my history to 'Current/Paid as Agreed '. Please refer to my attached transaction history file for full verification of these dates and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
Somebody got accounts in my name. I knew nothing about it. But they have put it in collections on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Communication Under the FDCPA To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and demanding that you immediately cease and desist all communication with me regarding the alleged debt referenced in your records. You are hereby instructed to stop all telephone calls, text messages, emails, letters, and any other form of communication to me, my family members, my employer, or any third parties concerning this matter. Be advised that : * I refuse to discuss this alleged debt with your company. * Any further contact after receipt of this notice may constitute a violation of the FDCPA. * You may only contact me for the following legally permitted reasons : XXXX. To advise that collection efforts are being terminated ; XXXX. To notify me of specific legal remedies you intend to pursue ; XXXX. To inform me that you are invoking a specified remedy permitted by law. Additionally, if this account is being reported to any credit reporting agency, I request that you ensure all information being furnished is complete, accurate, and fully compliant with the Fair Credit Reporting Act ( FCRA ). Any inaccurate, misleading, incomplete, or unverifiable reporting must be corrected or deleted immediately. Please provide written confirmation that you have complied with this request. Failure to comply with federal law may result in complaints being filed with the : * Consumer Financial Protection Bureau XXXX Federal Trade Commission * My State Attorney Generals Office Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
I am filing this complaint regarding the continued reporting of this Department of Education/XXXX account . This account was opened in 2014 and continues to be reported despite my concerns regarding the accuracy, completeness, and necessity of the information being furnished to the credit bureaus. I am requesting a complete investigation and verification of all information associated with this account, including the account balance, payment history, ownership, servicing history, and all records used to furnish information to consumer reporting agencies. I request that XXXX provide complete documentation supporting the continued reporting of this account and explain the basis for maintaining this tradeline on my credit report. If the information can not be fully verified and substantiated, I request that it be removed from XXXX, XXXX, and XXXX. ACCOUNT NUMBER. - XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint against Chime Financial and its partner institution, The XXXX XXXX, for clear violations of Regulation E of the Electronic Fund Transfer Act regarding error resolution procedures, as well as engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). Chime is improperly retaining {$160.00} of my funds from a single, canceled XXXX order. On XX/XX/year>, a single order was placed for {$160.00}. The order was modified by the merchant to {$160.00}, and ultimately canceled in its entirety. While Chime released the original {$160.00} hold, they have kept a duplicate charge of {$160.00} active as a debit on my account. Chime has actively and intentionally weaponized its customer service to avoid correcting this error. I provided clear screenshot documentation directly from XXXX showing the full cancellation, which Chime summarily ignored, denying my initial claim with a generic 'no error found " response. This is not an isolated incident. I have filed previous disputes with Chime that have followed this exact same fraudulent pattern : Chime summarily denies valid claims without conducting a reasonable investigation, ignores submitted evidence, and instructs agents to stonewall or disconnect the call when a consumer requests a dispute rebuttal. Chime is intentionally utilizing these exhausting bureaucratic tactics as a business practice to force consumers to abandon their valid claims, directly violating the intent of federal consumer protection laws. To resolve this, I initiated twice a 3-way phone call between a Chime agent and a XXXX corporate representative. On this recorded line, XXXX explicitly confirmed to Chime that it was a single order, no goods were delivered, and no funds were owed or settled to XXXX. Despite this absolute verification, Chime 's dispute department has refused to open a dispute rebuttal. Most alarming is the behavior of Chime 's agents. Today, XX/XX/year>, after being transferred to the dispute department to process the verified rebuttal, the agent actively stonewalled me. She refused to log the information from the 3-way call, sat in dead silence on the line for 10 minutes, and then deliberately hung up on me to avoid processing my claim. Chime is illegally holding my money, failing its federal obligation to conduct a reasonable dispute investigation under Regulation E, and allowing its customer service agents to use retaliatory tactics ( hanging up on consumers ) to suppress valid disputes. I demand an immediate reversal of the unauthorized {$160.00} charge and a full credit to my account with any other discoveries of improper practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Dear AMEX Executive Relations Team, I am writing to formally escalate a serious and unresolved issue regarding a 0 % promotional credit card offer that has now resulted in improper interest charges, late fees, and significant damage to my credit. I applied for a 0 % XXXX XXXX card with a balance transfer and was advised by your representatives that I was approved. Based on that confirmation, I transferred approximately {$7500.00}. Despite the promotional terms, I was charged interest immediately. I contacted customer service multiple times and was repeatedly assured that the matter would be researched. On more than XXXX call, the representative even acknowledged the error and waived the interest. The full {$7500.00} balance has since been paid in full. However, the remaining balance on the account now consists solely of interest and late fees that should never have been assessed. I was promised followup calls on several occasions, yet I have not received a single one. The account has now been reported as past due, resulting in a drop of more than 60 points to my credit score. This situation has caused financial harm, reputational damage, and considerable frustration. I am requesting the following corrective actions : - Immediate removal of all interest and late fees associated with this promotional offer - Suppression and correction of all negative credit reporting related to this issue with all major credit bureaus - Written confirmation once these actions have been completed I trusted AMEX to honor the promotional terms and to follow through on the commitments made by your representatives. I am asking for swift resolution so that I can restore my credit standing and close this matter. Thank you for your prompt attention. I look forward to your response. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Receivables, Corp
State: AZ

Complaint narrative:
I vacated my apartment on XX/XX/year>. Following my move-out, I never received a final itemized close-out bill or any communication regarding an outstanding balance, nor was provided an itemized statement within XXXX business days of move-out. Approximately XXXX months after vacating, I was contacted by a collections agency requesting payment for {$120.00} this was my first notice of any balance owed. Upon receiving the collections notice, I contacted the property management office in writing via email and phone call on XX/XX/year>, disputing the debt and requesting validation. The property management office responded and both verbally and over e-mail admitted that a final bill was never sent to me. They offered to clear the debt entirely as a resolution. Following their admission, I requested written confirmation of the agreement including recall of the collections account and deletion requests to all three credit bureaus. Despite multiple follow-up emails requesting a timeline and written confirmation, I have received no confirmation that their promises are being upheld. I have since been contacted again by the collections agency requesting payment, confirming that the property management office has taken no action to resolve this despite their admission of fault and their agreement to do so. I have made every reasonable effort to resolve this directly and in good faith. The property management office has failed to honor their agreement, failed to respond to follow-up communication, and failed to comply with XXXX landlord-tenant law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the following accounts that are being reported bXXXX XXXX Experian , and XXXX XXXX XXXXXXXX, XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX Spectrum Mobile Account ending in XXXX I believe these accounts may be the result of identity theft or unauthorized use of my personal information. I have no knowledge of these accounts and did not authorize them. Therefore, I believe the information being reported is inaccurate. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting a thorough investigation of these accounts. If the accounts can not be verified as belonging to me, I request that they be permanently deleted from my credit reports with XXXX Experian , and XXXX Please provide written confirmation of the results of your investigation and any corrections or deletions made to my credit files. Thank you for your prompt attention to this 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 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/XXXX, my Bank of America credit card was declined for {$250.00} because they flagged it as fraud so they deactivated my card. I called customer service today XXXX and was on hold for XXXX hour and XXXX minutes before a woman answered. She asked me to verify a number ending in XXXX to confirm my identity. I told her that's not my number so she said she's going to send a link to my phone to verify. I received the link, clicked it, and told her I'm in. She told me it failed on her end. I asked her to send it again and she said no I have to go to a Bank Of America XXXX with XXXX forms of ID to verify my identity because it failed. She was very condescending and rude from the beginning. I asked to speak to a supervisor and she put me on hold for about XXXX minutes and came back and said she spoke with a supervisor ( which I do not believe ) and they said the same thing. I told her I don't understand because I did the verification link. And then she lied and said that I told her I never got the link so she marked it as failed. She said her name was XXXX XXXX from the Arkansas location. I later realized the XXXX number belongs to my XXXX which does not have text or call features so BOA should not have that phone number. I have never given them that number so that is concerning within itself. I have had the same phone number for XXXX years and have been with BOA for XXXX years and they've only ever had that number. When I went to the branch in XXXX XXXX I was helped by XXXX. He said he could not see an XXXX number on my file and he said he wonders if she deleted it after our conversation. He called BOA customer service and we spoke with a XXXX who was helpful. He also said the only XXXX numbers on file were my cell and my work. He said it was strange that there was a " relative '' category in phone numbers that was blank. This leads me to believe that XXXX XXXX knew she messed up and deleted that number from my file. We spoke today XX/XX/year> during the time of XXXX XXXX. I want her XXXX to listen to the phone call and I want to know what happened. They should also know they have an extremely rude and unhelpful woman working in customer service.

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 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/2026, I applied for a forbearance due to my husbands financial situation of being unemployed. He was a XXXX for a short period of time from XXXX to XXXX or XXXX but made no income for XXXX to XXXX whrn he was no longer employed as as XXXX at the beginning of XXXX and they never considered us for a forbearance they just said they looked at a loan modification. They said I was scheduled with a meeting to meet with someone and no one met with me. They no showed no called : Every phone number they gave of a contact person in the letters did not work appropriately so I kept getting the Customer Service reps who would give different information each time I called. The upload of the documents took so long they kept saying we werent submitting the right documents but we were submitting everything they said and we were emailing it as well. After XXXX months they sent us not approved for a loan modification saying we made too much but they never looked at the forbearance when my husband was unemployed. He was only a XXXX for a short time.I feel they did not manage this process properly or allow me to speak to the underwriter or have a meeting or even talk to the assigned rep for the account. Even supervisors kept saying they were going to talk to me and they never did. They would say they would look into something and call back and they never did XXXX minute XXXX person would say they had all the documents needed than the other would say they dont. It was a very stressful process. My husband finally got a XXXX around XXXX but they never did anything while he was unemployed and now were behind a month and getting a late fee every month trying to keep up with a mortgage mortgage. I feel they should have approved forbearance for XXXX XXXX and XXXX when we were having the struggle paying the payment due to him being unemployed. We had to borrow funds just to get the payment up to par. They didnt manage or review us properly. We had good payment history for XXXX years and never missed a best and they didnt even support us when needed. Now their line to call doesnt even work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NV

Complaint narrative:
I am filing a new complaint because First Progress used deceptive customer service to take my money. I am deaf, which is why my son called customer service on my behalf to explain my tight budget. The representative explicitly told my son " okay, '' leading us to believe the account was taken care of. They completely hid the fact that they were adding massive fees and gave us no warning whatsoever. I sent {$170.00} with the sole intent of it being a security deposit to boost my credit score. Instead, they snatched my money to pay for their hidden fees under false pretenses. They took advantage of a communication barrier and a misunderstanding. I demand a full review of the phone call records and a return of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief