vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A debt collector ( XXXX XXXX ) disclosed my debt information to a third party ( my mother ) via text message on XX/XX/2029 from two separate numbers, including naming the creditor ( Synchrony Bank/PayPal Credit ) and providing a portal link that allowed her to view my balance and personal information using only my date of birth and a reference number that was already provided in said text. In addition to text messages, XXXX XXXX sent a PDF document containing details of my alleged debt to a phone number belonging to my mother, further disclosing my personal financial information to a non-authorized third party. I have never provided this phone number to any parties involved in this case. This disclosure was made without my consent and appears to violate the FDCPA. I am requesting investigation and remediation. 

This disclosure caused distress and confusion for my family. I did not authorize XXXX XXXX to communicate with any third party about my debt. This appears to be an improper third-party disclosure in violation of the Fair Debt Collection Practices Act ( FDCPA ).

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 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
Chimes slow response in returning my funds prevented me from accessing my money sometimes for months on end. I did not have access to my funds and I was unable to pay for basic living expenses, and likely had to use or search for expensive credit alternatives, such as credit cards or payday loans

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
I am formally disputing the accuracy and validity of this account under the fair credit reporting act ( FCRA ), 15 U.S.C 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Re : Formal Follow-Up Dispute CFPB Complaint No. XXXX Demand for Deletion of Inaccurate Addresses FCRA XXXX To Whom It May Concern, I previously filed a formal dispute regarding inaccurate personal information on my credit report and escalated the matter through the Consumer Financial Protection Bureau under Complaint No. XXXX. 

Despite my prior dispute and complaint, your agency failed to delete the following inaccurate addresses, which continue to report on my credit file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These addresses do not belong to me. I have never lived at, received mail at, rented, owned property at, or conducted business at either of these locations. 

Your failure to delete these addresses after a prior formal dispute and CFPB complaint indicates that a reasonable reinvestigation may not have been conducted as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Accordingly, I demand the following : Immediate deletion of both inaccurate addresses.

Identification of the furnisher ( s ) that provided these addresses. 

A detailed description of the procedure used to verify their accuracy. 

Written confirmation of deletion. 

If you can not produce competent documentary evidence demonstrating these addresses are accurately associated with me, they must be removed immediately. 

Please be advised that continued reporting of inaccurate personal identifiers after notice may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o.

I expect written confirmation of correction within the 30-day reinvestigation period required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> an annual fee was charged on an inactive Citi AAdvantage card. Fee was not noticed immediately. Citi refused a courtesy waiver even after account closure request.

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 2026-02-16 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
early on XX/XX/XXXX I got a notice in my e-mail about an affirm loan on my account, that I did not request and did not get a push notice requesting me to authorize. I immediately notified them and the shopify shop that it was fraud and not a transaction I authorized. The loan was still in a pending state. I looked into the shopify shop and it looks like other scam sites setup for just this purpose generic XXXX address, high price commercial goods etc. I notified XXXX and Affirm both of this and reiterated I did not authorize the purchase or make the purchase. Without any further followup less than a day later Affirm responded that they decided I made the purchase, even though I told them I did not immediately through their fraud alert channels. Affirm is now saying I am responsible for the loan and must pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a new complaint against Citibank N.A. based on material developments following my previous CFPB case ( Case # XXXX ). 

Citibank closed my personal and business accounts without prior notice. While Citibank later returned the balance of the business account, the funds from my personal accounts have not been returned. 

After visiting a Citibank branch in person, I obtained official account statements showing : - Personal checking account ending in XXXX had a balance of {$3200.00} - Personal savings account ending in XXXX had a balance of {$16000.00} Both accounts were reduced to {$0.00} through internal transactions labeled Other Withdrawal. 

I did not authorize these withdrawals. 

A branch manager indicated that Other Withdrawal represents an internal bank action. Citibanks XXXX Department later informed me verbally that an investigation had been completed and that no funds are owed. Citis XXXX XXXX XXXX subsequently stated in writing that the funds do not belong to me and that the matter is closed. 

Citibank has refused to provide : - a final accounting of the withdrawals- the disposition of the funds- the legal or contractual basis supporting its claim - documentation showing that the funds were lawfully applied or seized These were FDIC-insured deposit accounts funded with my personal money. 

This is not a dispute about account closure. 
This is a dispute about the removal of {$19000.00} in personal funds without explanation or accounting. 

I respectfully request CFPB intervention to require Citibank to : 1. Provide a complete final accounting of both personal accounts 2. Disclose the disposition of the removed funds 3. Provide the legal basis supporting its claim that the funds were not my property 4. Return funds that remain my property Supporting documentation is attached, including account statements showing balances and withdrawals.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
MILITARYSTAR is falsely reporting on my credit. I have never had any accounts with them. Per my research MILITARYSTAR 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 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 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the reported account because I believe my personal information may have been compromised in a data breach, resulting in inaccurate or unauthorized information appearing on my credit file. Due to this potential breach, I am requesting that you conduct a full investigation into how this account was verified and whether the party that furnished this information had a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to access or report my data.

Please provide the method of verification you used to confirm the accuracy of this account, including the name of the person you contacted, the date of the verification, and the specific records relied upon. If the furnisher can not demonstrate a legitimate permissible purpose or can not validate the account through proper documentation, it must be removed from my credit report pursuant to FCRA 611 and 604.

Until proper verification is completed, I request that this item be deleted and 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 explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Hello, my complaint is with Care Credit adding late fees and then telling me they would remove them every time I called and never do and then up my minimum payment. 
XXXX I went online to make my payment that was do that day, upon logging on the system prompted me to change my login in information which I did. After changing it I then went to login in and it wouldnt accept the new login information. So I tried my old password again and it wouldnt work. So I called customer service and couldnt get a hold of any one so I tried earlier am on XXXX I told the lady that answered the call what happened on the day prior when trying to make a payment. She apologized and said if I make my payment today they will take off the late fees and that I need to call back when the next statement comes out. So I called on XXXX - When the gentleman answered I explained what had happened in XXXX with their system and told him that the lady said the fee would be removed because it was not my fault but it was their system. So he said ok and that it would be removed. So I went online to make another payment on XXXX the due date and noticed that the fee was not removed and they upped my minimum monthly fee to {$57.00} because I was late last month because of those issues. So I paid my normal amount I usually pay monthly before everything happened of the amount of {$29.00}. 
When the XX/XX/year> statement came out I noticed nothing was fixed they had doubled my monthly payment to XXXX I called them and said what is going on? They said I have been late and my minimum payment has now gone up because I have paid the full new monthly amount. I have never been late I explained only once because of their system and that they had agreed to remove the late fees which would have made my minimum monthly payment amount to the normal {$29.00} which is what it was for the past year, I have not used the card in over a year. They basically said I need to pay the all the fees which brings it to {$130.00}. I am not ok with letting them charge me this for something that was their fault since the beginning and lied about fixing it. So as of XX/XX/year> statement this is what they are harassing me to pay. 
{$130.00} XXXX went from {$29.00} to XXXX a month My outcome I am looking for is to have all fees removed and for my minimum monthly fee to go back to XXXX a month.

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 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: MEGASTAR FINANCIAL CORP
State: CO

Complaint narrative:
On XX/XX/year> I submitted a written request to cancel Private Mortgage Insurance under the Homeowners Protection Act ( 12 USC 4902 ).

The servicer acknowledged my request on XX/XX/year> and stated they would respond within 7-10 business days.

They never followed up, never requested documentation, and never evaluated the cancellation eligibility.

I have remained current on my mortgage and with current market conditions I believe my loan met the 80 % cancellation threshold at the time of my request.

The servicer has continued charging PMI for approximately 10 months after my cancellation request, despite federal law requiring action and prohibiting collection of premiums beyond eligibility. 

Under the HPA : PMI can not be collected more than 30 days after cancellation eligibility Unearned premiums must be refunded The servicers failure to act and continued collection constitutes improper servicing and unlawful premium collection. 

Requested resolution : Immediate cancellation of PMI Refund of all PMI paid since the date of my original request Interest adjustment for improperly collected premiums Written confirmation of correction to servicing records

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am submitting this complaint against Capital One regarding an unauthorized charge of {$650.00} that I reported as fraud. I did not make this purchase, did not authorize it, and I do not recognize the company that charged me. I have no business relationship with this merchant ( XXXX ) no account with them, and I never received any goods or services from them. 

I reported this transaction and explained to XXXX and XXXX at Capital One that I frequently make online purchases and often work from public places such as cafes and libraries, meaning my card information could have been compromised without my knowledge. I also noted to them that I shop online often. Despite this, Capital One denied my claim and stated that the merchant provided a " digital footprint '' as proof. When I requested documentation or evidence supporting this claim, Capital One REFUSED to provide any proof or details. I feel they handled my case unprofessionally. 

A so-called digital footprint only demonstrates that a transaction occurred - it does NOT prove that I personally authorized it. I did not make this purchase and did not give anyone permission to use my card. I also attempted to contact the merchant XXXX directly twice to understand the charge, but I was repeatedly transferred between representatives and never provided any explanation or verification. 

Capital One is holding me responsible for a transaction I did not authorize while refusing to provide the evidence they relied on. Under their zero-liability protection for unauthorized transactions, I should not be responsible for fraudulent charges. I am requesting that this matter be fully investigated and that the {$650.00} be refunded to my account immediately. 

I am formally disputing liability for this transaction and requesting regulatory review. In my opinion I feel that Capital One is scamming me and not providing any proof or documentation that I supposedly made this purchase. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
A fair resolution would be full validation of the alleged {$3900.00} debt, including the original creditor, account statements, and proof that Jefferson Capital LI LLC has the legal right to collect.

If the account can not be properly validated, I am requesting complete removal of the account from all credit reporting agencies.

If the account is verified, I am requesting a reasonable settlement option in exchange for deletion from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Re : Formal Follow-Up Dispute CFPB Complaint No. XXXX Demand for Deletion of Inaccurate Addresses FCRA XXXX To Whom It May Concern, I previously filed a formal dispute regarding inaccurate personal information on my credit report and escalated the matter through the Consumer Financial Protection Bureau under Complaint No. XXXX. 

Despite my prior dispute and complaint, your agency failed to delete the following inaccurate addresses, which continue to report on my credit file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These addresses do not belong to me. I have never lived at, received mail at, rented, owned property at, or conducted business at either of these locations. 

Your failure to delete these addresses after a prior formal dispute and CFPB complaint indicates that a reasonable reinvestigation may not have been conducted as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Accordingly, I demand the following : Immediate deletion of both inaccurate addresses.

Identification of the furnisher ( s ) that provided these addresses. 

A detailed description of the procedure used to verify their accuracy. 

Written confirmation of deletion. 

If you can not produce competent documentary evidence demonstrating these addresses are accurately associated with me, they must be removed immediately. 

Please be advised that continued reporting of inaccurate personal identifiers after notice may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o.

I expect written confirmation of correction within the 30-day reinvestigation period required by federal law. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
I am filing a complaint regarding a debt collection communication sent by Shepherd Outsourcing regarding an alleged XXXX XXXX Bank account now owned by XXXX XXXX XXXX. 

On XXXX XXXX, Shepherd Outsourcing sent a text message to a third party ( a family member ) disclosing my name, the original creditor ( XXXX XXXX Bank ), and that the account had been placed with a debt collector. 

This third party is not responsible for the debt, is not a co-signer, and was not authorized to receive information about my financial account. 

This disclosure appears to violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ), which prohibits a debt collector from communicating with third parties in connection with the collection of a debt and from disclosing the existence of a debt. 

Additionally, this account is approximately four years old, and I have not made payments in over four years. Under New York law, the statute of limitations on credit card debt is three years. 

I request : 1. Immediate cease of unlawful third-party communication.

2. Written verification of the debt.

3. Confirmation whether the debt is time-barred.

4. Documentation of how they obtained the third partys contact information. 

I request that all future communication be made only in writing to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: Experian Information Solutions Inc.
State: WI

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 explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
A debt collector ( Halsted Financial ) disclosed my debt information to a third party ( my mother ) via text message on XX/XX/year> from two separate numbers, including naming the creditor ( XXXX XXXX XXXX XXXX and providing a portal link that allowed her to view my balance and personal information using only my date of birth and a reference number that was already provided in said text. In addition to text messages, Halsted Financial sent a PDF document containing details of my alleged debt to a phone number belonging to my mother, further disclosing my personal financial information to a non-authorized third party. I have never provided this phone number to any parties involved in this case. This disclosure was made without my consent and appears to violate the FDCPA. I am requesting investigation and remediation. 

This disclosure caused distress and confusion for my family. I did not authorize Halsted Financial to communicate with any third party about my debt. This appears to be an improper third-party disclosure in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation