vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am submitting this complaint regarding a creditors repeated reporting of an unauthorized account that does not belong to me. I never applied for, authorized, or consented to this account. After discovering it on my credit reports, I disputed it as unauthorized and identity-theft related. Each time I dispute the account, the creditor temporarily closes or suppresses it, then later reopens and re-reports the same account without providing any proof that I authorized it. The creditor repeatedly sends form letters demanding that I identify or provide information about the individual who committed the fraud. I do not have this information, and the law does not require an identity-theft victim to identify the perpetrator as a condition of correction. Despite multiple disputes and prior complaints, the creditor has failed to provide a signed application, proof of identity verification, or any documentation showing that I opened or authorized this account. Instead, the creditor continues a cycle of temporary closure followed by reinsertion, which causes ongoing harm to my credit. This is not a one-time error. It is a repeated pattern of conduct that shows the dispute is not being handled in a reasonable or compliant manner under the Fair Credit Reporting Act. Supporting documentation is attached.

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 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX ; through I.C Systems collection company ; I took my dog to them for routine preventative care. They gave recommendations outside of the standard wellness visit I was scheduled for. I refused these recommendations ' ; paid for the wellness visit for that day and did not take my dog back to them again. Without my permission, they set me up for a monthly wellness plan which continued to charge my debit card automatically every month {$110.00} ; I spoke with thier call center representatives ( In XXXX ) several times requesting for the plan to be cancelled and said charges refunded. They promised to take care of it ; but ultimately slipped through the cracks as I was still being charged as of XX/XX/XXXX : XX/XX/XXXX and XXXX XXXX at which point I blocked all subsequent charges through my Bank. Never heard from them again until they reported me to collections for unpaid balances in XX/XX/XXXX, XXXX for {$110.00} and the other for {$540.00} ; a penalty fee for cancelling a wellness plan I didn't authorize. XXXX is an unethical company ; making up fraudulent fees and charges and must be investigated thoroughly.

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 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
In late XXXX and early XXXX, I experienced a payment processing and notice issue with my auto loan serviced by American Credit Acceptance ( ACA ). 

On XX/XX/XXXX, I made a payment of {$1200.00}, which was successfully submitted and confirmed by ACA. 
On XX/XX/XXXX, a scheduled debit-card payment of {$570.00} was due on my account. 

On XX/XX/XXXX, I received an automated email from ACAs payment processor ( XXXX ) stating that the XX/XX/XXXX payment had failed authorization. The email instructed me to contact customer service to make other payment arrangements, but it did not state that repossession was imminent, did not provide a cure deadline, and did not warn that repossession activity would proceed without further notice. 

Following this notice, I continued making payments in good faith : On XX/XX/XXXX, I submitted two payments : {$1000.00} ( scheduled for XX/XX/XXXX ) {$1000.00} ( scheduled for XX/XX/XXXX ) Both payments were confirmed as successfully submitted by ACA. 

Despite these payments and without any additional written notice clearly stating that repossession would proceed, my vehicle was repossessed in early XX/XX/XXXX. 

On XX/XX/XXXX, I immediately paid {$2400.00} to ACA to redeem the vehicle and regain possession, demonstrating my prompt and good-faith intent to resolve the matter as soon as I became aware of the repossession. 

The vehicle was reinstated, and the account remained open. However, ACA is reporting this event to the credit bureaus as a Repossession ; redeemed and as a serious derogatory delinquency. 

I believe this credit reporting does not accurately reflect the circumstances. The repossession appears to have resulted from a payment authorization issue and inadequate notice, despite multiple substantial payments made before and immediately after the event. I was instructed to make alternative payment arrangements but was not provided with clear, timely communication that repossession would occur. 
I am requesting that ACA review its payment processing records, notice procedures, and repossession decision, and correct or remove any inaccurate or unfair credit reporting related to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I received multiple digital gift cards from my father. He had received them using his American Express points and these are American Express Digital Gift Cards. I have tried to use them in various places online, XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX  and have had no success. I would like reimbursement in cash in place of the digital gift cars as they have been mostly worthless up to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
My for XXXX  tax return was delayed by serval weeks even though I submitted my XXXX way earlier than my family around early XXXX no later than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
" I am disputing an unauthorized XXXX of {$620.00} that occurred in XX/XX/XXXX. These funds were held in a restricted state starting in XXXX. After the XXXX XXXX ' period expired, PayPal maintained the balance in my account for nearly XXXX years before unilaterally converting my private property into their own corporate revenue under the guise of 'Liquidated Damages. ' PayPal has failed to provide a line-item accounting of how my XXXX activity caused exactly {$620.00} in 'actual damages ' to the company in XXXX. This is a violation of the Electronic Fund Transfer Act ( EFTA ) and constitutes an unenforceable penalty clause. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
In XX/XX/2025, I applied online for an installment personal loan with Avant. My application was denied, and I was never issued a loan or became a customer. During the application process, Avant collected my bank account and routing number. 

After the denial, I repeatedly contacted Avant in writing to request confirmation that my account/profile was deactivated, that my bank account and routing number were deactivated so no access or transactions were possible, that any personal information not legally required to be retained was deleted, and that I was opted out of all non-essential data use. 

Avant did not address these requests in writing and repeatedly instructed me to call by phone instead, despite this being a privacy and data-handling matter. Avant has not provided written confirmation that my account and banking information have been deactivated or that my data use has been limited to legally required purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I have made consistent monthly payments on this loan since XXXX. Most recently, I made a full payment of {$520.00} on XX/XX/XXXX. 
Despite continued payments, Santander is reporting my account as significantly past due due to how payments, extensions, fees, and interest have been applied. 
On XX/XX/XXXX, I attempted to make my regular monthly payment online. Santanders system refused to accept the payment and instead required a minimum payment of {$8700.00}, preventing me from continuing normal monthly payments. 
I contacted Santander on XX/XX/XXXX, to request clarification and assistance. During that call, I was transferred between representatives, informed there were no options available other than extending the loan, and XXXX call was disconnected while I was waiting for a supervisor. I also sent a written request for assistance and documentation on XX/XX/XXXX, but did not receive a response. 
I am requesting a full account audit, correction of billing errors or improper fees, and a corrected payoff amount. I am documenting that I attempted to continue making payments in good faith, but XXXX system would not allow it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XXXX, I purchased summer camp for my child from XXXX XXXX for {$850.00} for Summer XXXX but did not use them ; the provider XXXX  XXXX agreed to transfer those funds for my use in Summer XXXX. ( used my Bank of America XXXX XXXX XXXX XXXX, ending XXXX. On XX/XX/XXXX, I then purchased additional weeks of summer camp from XXXX XXXX for {$600.00} for XXXX XXXX using the same card. On XX/XX/XXXX, XXXX XXXX contacted me to inform me that they were shutting down and would not provide any of the camp that I had paid for and would not refund my payments per the terms of my agreement with the provider. 

That week, I contacted Bank of America to dispute this charge per the XXXX XXXX Liability Guarantee. Bank of America requested additional information on XX/XX/XXXX. I provided them the XXXX XXXX transaction records and email communication from the company announcing that they would not provide the services. Bank of America stated in its online Biling Dispute status details on XX/XX/XXXX that it was issuing a credit to my account, but the bank did not refund my money. 

I want Bank of America to refund my {$1400.00} and provide a {$500.00} credit for my frustration in 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 monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Looked on all 3 credit bureau to obtain credit information XXXX stated opened : XX/XX/XXXX reported XX/XX/XXXX original balance : {$1100.00} XXXX  : stated opened : XX/XX/XXXX reported XX/XX/XXXX original balance : {$1100.00} XXXX : none This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a identity theft affidavit XXXX, also a cyber liability claim from the settlement administrator who sent a compromised email with inadequate security measures to the class action litigation lawyer. I have a insurance fraud from the data breach with a delay of payment succeeded the amount with a identity theft report with the IRS. I filed a insurance fraud cyber liability claim my insurance policy was cancelled with the proof of petition from the compromised company email. I have on file was disputed in a cyber extortion case with the legal department. I have a insurance policy with All State and ID restoration fraud with my support team. I filed a case for insurance fraud victims assistance ID restoration for error log in bankruptcy report. I sent the report to the legal department for a call in on my business account. I have a fraud alert with some injury bills to pay my doctor for support but my documents were stolen.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 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: GA

Complaint narrative:
I am writing in response to your communication regarding the above-referenced debt. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following : The total amount of the debt, including an itemized breakdown of any interest, fees, or other charges. 
The name and address of the original creditor. 
A copy of the original contract, agreement, or other documentation bearing my signature that shows I agreed to this debt. 
Proof that you are legally authorized to collect this debt, including any license required to collect in my state. 
Documentation showing the date of last payment and that the debt is within the statute of limitations. 
Until you provide proper validation, you must cease all collection activities, including reporting this account to any credit reporting agencies. If the debt has already been reported, it must be marked as disputed. 
This letter is not an acknowledgment of any debt, nor is it a promise to pay. 
Please respond in writing only. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I used PayPal to purchase a used XXXX XXXX XXXX XXXX XXXX through XXXX for {$410.00}. The listing explicitly stated that all cameras were working properly. 

After receiving the device, and noticing that the cameras were completely not working, I ran XXXX  built-in Diagnostics tool and discovered a hardware failure of the wide camera sensor. This is a component-level failure that prevents the camera system from functioning as described. I documented the diagnostics results and verified that the device XXXX matched the listing. 

I opened a PayPal dispute for item not as described and submitted evidence including XXXX Diagnostics screenshots, listing screenshots, XXXX verification, and photos of the packaging. PayPal denied the dispute. I appealed the decision with additional photo and video evidence showing the diagnostics error and again verifying the device identity. The appeal was also denied. 

On XX/XX/year>, I escalated the issue through the Better Business Bureau ( BBB ). As of XX/XX/year>, PayPal has not responded to the BBB complaint, and the BBB status indicates that the business has not replied. 

I believe PayPal did not properly evaluate objective evidence showing that the item was materially not as described, and has failed to respond through an external escalation channel. I am requesting regulatory review and appropriate reimbursement under PayPal Purchase Protection or a courtesy credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am filing this complaint regarding a collection account that is currently being reported on my consumer credit report with an outstanding balance. 

I previously disputed this account and requested verification from the furnisher. The furnisher and credit reporting agency continued reporting the account without providing documentation demonstrating the accuracy, ownership, or lawful authority to report the alleged debt.

Despite my dispute, the credit reporting agency continued reporting the collection without disclosing how a reasonable investigation was conducted or what evidence was relied upon to verify the information. 

Continued reporting of a disputed collection account without proper verification is misleading and fails to meet the Fair Credit Reporting Act requirement of maximum possible accuracy. 

This complaint is submitted to require the furnisher and credit reporting agency to formally certify compliance with federal consumer protection law under CFPB supervision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have a Synchrony Bank credit account opened for a retail purchase that was represented as promotional financing ( no interest if paid in full ). I contacted Synchrony customer service multiple times over the life of the account and was never clearly informed that this was deferred-interest financing where all backdated interest would be added if the balance was not paid in full by the promo end date. 

Recently, I was informed that over {$420.00} in deferred interest would be added if my balance was not paid in full by XX/XX/year>. Customer service representatives provided inconsistent and confusing explanations, including references to new terms and conditions that were never clearly disclosed to me.

I believe Synchrony failed to adequately disclose material terms and misrepresented the nature of the financing, which prevented me from making an informed decision. I am requesting written clarification, correction, and a waiver or extension of the deferred interest due to lack of proper disclosure.

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 2025-12-31 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: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
This complaint is against Axos Bank. 

On XX/XX/year>, I attempted to purchase a pair of shoes for {$85.00} USD from what I thought to be a retailer I have made purchases from in the past ( Allbirds.com ), however, it turned out to be a website mimicking that retailer very convincingly. The fraudulent website was XXXX. 
Before discovering that this was a false retailer, I had attempted to reach out to them multiple times via their Contact Us section, which indicated my message was sent, though I never received a response or the standard type of email letting me know my message was received. After trying to get in contact with them for over a week, I googled the corporate customer service information for Allbirds, which took me to their real website, where I expressed my concerns to a service rep via Chat, at which point they made me aware that it seemed I had been duped by the other website. 

I filed a request for a dispute with my banking institution - Axos Bank- on XX/XX/year> for the amount of {$85.00} and then proceeded to fill out XXXX separate affidavits ( they seem to have sent me the wrong form the first time ), provided supporting documentation, and clearly stated the scenario that led to my dispute request. 

Over the past month, I exchanged XXXX messages with Axos Bank providing documentation and/or requesting an update on the status of my dispute. I finally received an update via email on XX/XX/year> stating that my claim was being denied. 
I reviewed the " supporting documentation '' they provided which included an XXXX tracking number I had never seen, and a claim that the product had been delivered to my address, which is not true. 

I expressed my concerns via response to that email and was told that I could refer to the " supporting documentation '' again which is not an acceptable outcome, at which point I determined that the only course forward would be to involve the CFPB to resolve this matter. 

Attached you will find : - Chat with actual XXXX retailer in which they confirm the website I originally visited is not an authorized retailer. 
- The Dispute Message Chain with Axos Bank in which I provided requested information - The Affidavit I sent to Axos Bank per their request- The Axos email stating the outcome of the dispute - The " supporting documentation '' Axos provided in the outcome email Thank you for your swift assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
After submitting a formal misrepresentation dispute and requesting review, Synchrony stated they do not have manual control to address the issue and did not provide any documentation showing proper disclosure of the deferred-interest terms.

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