vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I am disputing inaccurate credit reporting related to my credit card account. The company reported negative information and failed to properly investigate and correct the error after I submitted a dispute.

After reviewing my credit report, I identified information that I believe is inaccurate. I contacted the company and formally disputed the reporting, requesting that they investigate and provide documentation supporting the accuracy of the information being furnished to consumer reporting agencies.

Despite my dispute, the company did not provide the requested information, did not explain the basis for its determination, and did not correct or delete the inaccurate information. The negative item continues to appear on my credit report.

Under the Fair Credit Reporting Act, companies that furnish information to credit reporting agencies are required to conduct a reasonable investigation and correct or delete inaccurate or unverifiable information. In this case, the company failed to meet those obligations.

I believe the continued reporting of this information is inaccurate and unlawful, and I am requesting appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am filing a complaint regarding unauthorized transactions, account takeover, and improper denial of my fraud claim by Chime. 

On or around XX/XX/year>, my Chime account experienced unauthorized transactions totaling approximately {$230.00}, including two transfers ( approximately {$160.00} and {$60.00} ) and an additional transfer. These transactions were not authorized by me. 

I immediately reported the fraud to Chime and filed disputes. Despite this, my account continued to experience unauthorized access attempts from multiple locations, including XXXXXXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX, XXXX. I also received alerts identifying unauthorized devices, including an XXXX logging into my account from XXXX. 

After Chime was notified of fraud, an additional unauthorized transaction for {$63.00} occurred. This demonstrates failure to properly secure my account after notice of fraud. 

I was assured by Chimes fraud department that my account had been secured and unauthorized devices blocked. However, I subsequently received another alert confirming additional unauthorized access from XXXX after this assurance. 

Chime has now denied my fraud claim despite clear evidence of account takeover, unauthorized devices, multiple geographic access attempts, and continued unauthorized transactions after notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I was charged {$9200.00} from XXXX XXXX Line and I emailed them and filed a dispute with Chase Credit Card. Chase and XXXX didn't resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I am disputing the reporting of a late payment on my vehicle loan. The company furnished negative credit information without providing proof that it complied with federal billing and notification requirements. 
Under the Truth in Lending Act, a creditor may not treat a payment as late unless the required periodic billing statement was delivered at least 21 days before the due date. I requested documentation showing that the billing statement was properly sent and that all required disclosures were provided. I also requested proof that I was notified in writing within 30 days of any negative credit reporting, as required by the Fair Credit Reporting Act. 
On or about XX/XX/year>, I submitted a written dispute and formal request for this information. The company did not provide the requested documentation and did not correct or delete the late payment. Despite the dispute, the late payment continues to be reported. 
Because the company failed to substantiate the accuracy of the information or demonstrate compliance with federal law, I believe the continued reporting is inaccurate and unlawful. I am requesting that the inaccurate late payment be corrected or removed and that the company comply with its obligations under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
Sent certified letter to company never did ask company permission to sell debt...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am filing a complaint regarding the closure of my personal American Express credit card account and the forfeiture of my Membership Rewards points. 

A business entity with which I am associated, XXXX XXXX, filed for bankruptcy on XX/XX/year>. I am a shareholder of that company and understand why American Express closed the companys American Express Hilton Honors card following the filing. I am not disputing that action.

However, I am not personally filing for bankruptcy, and my personal American Express account ending in XXXX was not used for the business, was not guaranteed by the business, and was otherwise unrelated to the bankruptcy. All balances on my personal account were in good standing at the time of closure. I have personally had the card for over 10 years and have never been delinquent or abusive.

Despite this, American Express closed my personal account and forfeited all Membership Rewards points associated with that account. These points were earned through legitimate personal spending prior to the business bankruptcy filing and on an account that was current and compliant with all cardmember agreements. I was not provided an opportunity to redeem or transfer the points prior to forfeiture.

I understand that financial institutions manage risk, but I believe the closure of a personal account and forfeiture of earned rewards based solely on an association with a business bankruptcy, without any adverse personal credit event, is unreasonable and warrants review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, while I was unemployed and facing housing instability, I went to XXXX XXXX XXXX XXXX in XXXX seeking an affordable vehicle. I explicitly told the salesperson my budget was a maximum of {$150.00} per month. 

Instead of working within my stated budget, the dealerships finance XXXX, XXXX XXXX, fraudulently prepared a credit application. Without my knowledge or consent, he listed false employment information, stating I had a job in healthcare earning {$2800.00} per month. This was completely fabricated. I was unemployed at the time. 

Based on this fraudulent application, the dealership secured a loan from Fifth Third Bank for a XXXX XXXX XXXX. The loan was for {$21000.00}, with a total repayment cost of {$29000.00} over 75 months. This resulted in a monthly payment of $ XXXX than double what I said I could afford. 

The dealership also " packed '' the loan with a {$3400.00} service contract and over {$1100.00} in additional fees, unnecessarily inflating the amount financed. 

Fifth Third Bank purchased this fraudulent retail installment contract from the dealership on XX/XX/XXXX. Under the FTC Holder Rule, the bank is subject to all claims and defenses I have against the seller. 

Despite my repeated notifications to the bank about the fraudulent origination and my financial hardship, Fifth Third Bank declared the loan in default, repossessed the vehicle in late XXXX, and is now attempting to collect on this invalid debt. The original loan should never have been approved based on my true financial circumstances. 

This fraudulent loan has caused significant financial harm and severe emotional distress during an already vulnerable period in my life. 

What I want : I want this fraudulent loan declared null and void. I want a full refund of all monies paid toward this loan. I want the unlawful repossession removed from my credit report. I want both XXXX XXXX and Fifth Third Bank held accountable for their roles in this fraud. 


This case involves clear fraudulent inducement and loan packing by the dealer, and under the FTC Holder Rule, Fifth Third Bank is liable for these dealer violations. Similar patterns of income fabrication have been addressed by the CFPB in enforcement actions against other lenders. I am seeking rescission of the contract and damages as provided for under Florida 's XXXX. '' XXXX, Fifth Third was fined by the CFPB for auto loan servicing and illegal repossession practices ). This shows a pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
i got an email about me owing an amount on a loan by an attorney supposedly, i dont know if its a real one or not but it seems like a scam and ive been making payments on it for over two years now and im still not done so something isnt sitting right with me because he told me one payment amount o paid up to it then gave me another one

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Revived a letter in the mail, in XXXX asking to call a phone number provided to confirm my identity. The company Synchrony Bank is a company I use but when I called the number at the back of my card they confirmed they had not sent the mail.

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 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA increased my bill on autopay without letting me know why. They removed at least 2 discounts that were still available to me. They took the money out without explaining why my rate changed. They explained that changes in my bill without warning is normal. I requested that they remove the surprise charges off my bill and they offered to separate the payments for future months instead.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
Although I missed an informational letter from capital one explaining that I may have a experienced a decrease in my credit limit, I am constantly receiving emails and letters from this company. Losing sight of these emails I believe is likely common and I believe Capital One expects this and hopes for it. Today, XXXX, I noticed my limit was dropped from over XXXX dollars to XXXX. I called capital one and was not treated in the manner I was expecting. I have had an account with this company for longer than any other credit card I have owned and have spent more using this card than any other. Their business decision to " lower percevied risk '' will impact my credit score and now I no longer want to business with them. Not only will my overall credit limit be reduced and impact my score, but my utilization will now be increased as well. They are also the longest credit account I have and to cancel that card will further impact my credit score. To say I am outraged is an understatement. I also expected a person who has done business with a company for over 10 years would be given a little help, but I was told there is nothing they can do to restore my credit limit. An action like this deserves a phone call or some other type of clearly urgent communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I was in the XXXX XXXX XXXX. I needed cash. I went to a bank ATM only to find out that XXXX wasn't taken. I went to two other banks. I was stuck without cash. You need cash on this XXXX to get around. 
It was really an inconvenience. 
I have always bedn able to take cash out wherever I am in the world until CapitalOne changed their debit card from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Extensive material inaccuracies and contradictory reporting with unresolved consumer dispute.

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 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
Synergetic Communication , Inc. is reporting a collection account related to an apartment lease allegedly owed to XXXX XXXX XXXX XXXX XXXX. This same alleged debt was previously reported by a different collection agency with a materially different balance.

I disputed the account and requested validation under the Fair Debt Collection Practices Act, including a copy of the signed lease agreement, a complete itemized accounting of the balance, and proof of legal assignment. Synergetic Communication did not provide this information.

Despite the lack of validation, the account continues to be reported to consumer reporting agencies. XXXX  verified the account without documentation. In addition, Synergetic Communication is reporting inconsistent identifying information across credit bureaus, including different business addresses, and is reporting a balance that differs from the amount previously reported by another collector.

The continued reporting of this account without proper verification and with conflicting information is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX i received a notification for fraudulent activity on my account I was then called by Wells Fargo who then read me back my most recent transaction along with fraud transactions that I did not recognize, and I was told to give access codes to them, which then prompted them to take all my money out of my account. I then filed a claim with Wells Fargo, telling them all of these things and they denied my claim and told me that its deemed as not fraudulent when there was already fraudulent activity seen in my account recently in that day.

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 2026-01-22 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: IL

Complaint narrative:
Synchrony Bank ( specifically their CareCredit card ) is partaking in deceptive business practices regarding their AutoPay feature. I tried using the AutoPay feature last year, and it did not process my payment on the date I requested. I contacted the company, they resolved the issue, then told me that the AutoPay doesn't work until a month after you set it up. In my situation- on XX/XX/XXXX I attempted to set my autopay for {$330.00} starting XX/XX/XXXX. It did not process in XXXX and the customer representative I spoke with said that it was because it wasn't set a month out. I had no issues with the AutoPay in XXXX or XXXX of XXXX. 

CareCredit uses promotions that defer interest charges if you pay them back in a certain amount of time ( 3 months or 6 months in my case ). I have an expiration date on one of my promotions on XX/XX/XXXX. I have been checking to ensure I have it fully paid off in time so I do not have to pay the accrued interest. At the end of XX/XX/XXXX, I noticed that my AutoPay amount of {$330.00} on the XXXX of each month would not fully pay off this promotion in time. I manually paid {$300.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX which, in conjunction with my {$330.00} AutoPay on XX/XX/XXXX, would have covered the amount due on the promotion. I checked today ( XX/XX/XXXX ) and noticed that the AutoPay did not process on XX/XX/XXXX as I expected it would. I contacted customer service again and they told me that manual payments affect the Auto payment amount. He explained - since I paid {$400.00} in manual payments this month, these manual payments satisfy the complete Autopayment amount, so the AutoPay would not get processed.

They do not mention anywhere that the AutoPay feature does not work until after 30 days, nor do they mention that manual payments change the AutoPay feature.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I have no knowledge of these accounts. Due to identity theft concerns I am requesting that these accounts to be deleted from my credit profile due to Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
ACH authorization for this loan was revoked in writing and the linked bank account was permanently closed. Despite this, Willow Lake Lending stated that a scheduled payment had already been sent for processing. I requested written confirmation that ACH authorization was revoked, a complete payment history, an itemized breakdown of how payments were applied, and a single accurate payoff statement. Instead, the company provided inconsistent payoff amounts and has not provided the requested documentation or written confirmation that further debits will not occur.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CBNA Bank has a unauthorized hard inquiry on my account that needs to be removed promptly. Dated XX/XX/year>. This is not supposed to be there at all.

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