vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America regarding an inaccurate delinquency that was reported to XXXX XXXX, and XXXX on my credit report. In XXXX, I closed my Bank of America credit card account ending in XXXX in good faith, believing all obligations were settled. After the account was closed, an automatic recurring payment from a mobile grooming business ( XXXX XXXX ) continued to charge the account without my knowledge. I was never notified of the outstanding balance by phone, email, or mail. Because the account was closed, I had no reason to monitor it and was completely unaware that any balance had posted. Bank of America reported the account as delinquent to all three major credit bureaus without my knowledge. Upon discovering the delinquency through my credit monitoring, I paid the outstanding balance in full immediately on XX/XX/XXXX. The delinquency was caused entirely by a residual automatic charge on a closed account not by financial hardship, negligence, or willful non-payment. As a result of this reporting, my credit score dropped approximately XXXX points, from XXXX to XXXX, which does not accurately reflect my creditworthiness or payment history. I sent a formal written goodwill adjustment request to Bank of America 's XXXX XXXX via mail on XX/XX/XXXX, requesting removal of the delinquency from all three credit bureau reports. I am awaiting their response. I am requesting that Bank of America remove this delinquency from my XXXX XXXX and XXXX credit reports, as the account status as reported does not accurately reflect the circumstances under which the balance arose or was resolved.

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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
A collection account from Lanier Collections on behalf of XXXX XXXX XXXX appeared on my XXXX credit report in XX/XX/year> for {$670.00}. I am a traveling electrician employed through XXXX and was relocating from Georgia to Virginia during XXXX. I was never properly notified of this medical debt before it was sent to collections as I was not receiving mail at my prior Georgia address. The account appears on my XXXX credit report with no contact information, no original creditor name, and no payment history making it impossible to verify or dispute directly with the collector. I have filed a dispute with Equifax and sent a debt validation letter to Lanier Collections. I am requesting that Lanier Collections provide full validation of this debt or immediately delete this account from all XXXX credit bureaus. I was never given the opportunity to resolve this medical bill before it damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>. I called CITI Bank asking why my card had an alert on it. I proceeded to provide all of the valid information tied to my account, but they then began to ask for another phone number. There isn't another phone number on the account. Why would there be? I then provided my alternate CITI card number, the full card number, and was still not verified. He then asked me for my current work address and if they could speak to a receptionist at my work, at which point I felt like I was being scammed. It should be illegal to promote balance transfer cards and then prohibit consumers from obtaining financial relief.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: LA

Complaint narrative:
I am submitting a complaint against several debt collection agencies for what appear to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the agencies failed to provide sufficient documentation to establish that I am legally responsible for these accounts. Specifically, they did not produce key records such as original agreements, proof of ownership, complete account histories, or evidence of their authority to collect. Despite this lack of verification, collection activities and credit reporting appear to have continued. This raises concerns about potential violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to properly validate debts and the use of misleading or unfair collection practices. It also raises concerns under the Fair Credit Reporting Act ( FCRA ), particularly with respect to the accuracy of reported information and the adequacy of any investigation into disputed accounts. Overall, the conduct described suggests that these agencies may be attempting to collect on unverified debts and may be reporting potentially inaccurate information, indicating possible broader noncompliance with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XXXX XXXX XXXX I contacted American Express to apply for a credit card. I informed the person that I wanted the card to purchase concert tickets and that there was an American Express presale for for the tickets on XXXX XXXX XXXX. I specifically asked if I would have access to a digital card immediately so that I could use it for the presale. The person on the phone told me that I could receive a digital number at the end of the call. I relied on that information and applied ; my application was approved during the call. When I asked about the digital card, the person told me that it turned out one was not available, but not that I was not eligible. I contacted customer service on XXXX XXXX and I was told that I could not obtain a virtual card. American Express lied to me, to induce me to apply for and obtain a credit card. This was consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In early XXXX, I contacted the bank via Live Chat to discuss the reason for an additional fee on my account. It escalated to a manager who stated the fee will stay and provided a number/amount I would need to pay for the upcoming month to prevent the fee for that corresponding month. Now, early XXXX, I am charged the fee again. This time they are blaming me that I had always paid the fee for the past decade. ( I have not ). In addition, just like the initial interaction, representatives are eager to provide no assistance and to close out the chat ( in which both months I have been cut-off and switched to a different agent ). This time the agent just " referred '' me to a program for those under financial difficulties. ( I just don't want to be charged a fee that I didn't sign up whilst also paying {$400.00} to ensure my account is in good balance ).

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Company : Synchrony Financial Product : Credit card Issue : Billing dispute / interest charges/ lack of notice of promotional rate expiration What happened On XX/XX/year>, I discovered that my Synchrony Financial credit card was charged interest at a rate of 34.99 % after a promotional rate expired, without any notice being provided to me. In the past, I relied on paper billing statements to track when promotional rates were ending so I could pay balances in full and avoid interest. I am enrolled in automatic payments, and paper statements were my primary reminder for promotional expiration dates. I did not receive any notificationby mail, email, or textthat the promotional rate was ending. Because I was not notified, interest accrued unexpectedly. When I contacted Synchrony, a representative named XXXX informed me that the total interest charged was {$2500.00}. She also stated that if I wanted to receive paper billing statements going forward, I would need to pay {$1.00} per month. I did not receive alerts or clear notice that promotional terms were expiring prior to the interest being charged. Upon learning of the interest charges, I immediately paid {$4400.00} on XX/XX/year>, to ensure no further interest would accrue. I then spoke with a manager named XXXX, who stated that nothing could be done to reverse the interest charges. Had I received proper notice that the promotional rate was ending, I would have paid the balance before any interest accrued. The interest charges resulted solely from the lack of meaningful notification. Why I believe this is an issue I believe this reflects an unfair billing practice due to the failure to provide clear and meaningful notice of a promotional interest rate expiration, particularly for a customer who relied on paper statements and automatic payment. This situation caused significant, avoidable financial harm. I am a senior citizen on a fixed income. What I would like the company to do I am requesting a refund of the {$2500.00} in interest charges that were assessed due to the lack of notice and hardship. I am also requesting that Synchrony review its notification practices to ensure consumers receive clear advance notice of promotional rate expirations.

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 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am reporting suspected material misrepresentation and mortgage fraud involving property XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). Basis of Complaint : On XX/XX/XXXX, Quicken Loans ( now Rocket Mortgage ) originated a refinance ( Recording No. XXXX ). I believe this loan was approved based on a fraudulent or negligent appraisal that represented an illegal, unpermitted garage conversion as a legal, habitable residential dwelling to inflate the propertys value and meet underwriting standards. Supporting Evidence : XXXX. City Confirmation : The XXXX XXXX XXXX XXXX XXXX XXXX confirmed in writing on XX/XX/XXXX ( XXXX XXXX ) that NO Certificate of Occupancy or modern building permits exist for this structure. XXXX. Size Discrepancy : The owner is currently claiming the unit is XXXX sq. ft. to secure federal subsidies, while physical measurements confirm it is only approximately XXXX sq. ft. XXXX. Law Enforcement Involvement : This matter is currently under active preliminary review by the XXXX XXXX XXXX under Temporary Report Number XXXX and has been referred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX ( XXXX ) to Shellpoint Mortgage. During 2025, XXXX made a duplicate hazard insurance payment of {$3700.00} in both XXXX and XXXX for the same policy. This resulted in a total insurance disbursement of {$7500.00}, which is confirmed on my 2025 Form 1098. Shellpoint is now charging me for an escrow shortage of approximately {$4100.00}, which directly corresponds to this duplicate payment error. I contacted Shellpoint, and they refused to investigate or correct the escrow account, stating I must resolve the issue with the prior servicer or insurance company. However, Shellpoint is now the servicer and is billing me based on an incorrect escrow balance. I am requesting a full escrow investigation, correction of the duplicate disbursement, and a revised escrow analysis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with Capital One that stems from an account opened when I was a minor. Around approximately 13+ years ago, when I was XXXX XXXX XXXX, a deposit account was opened in my name with a parent/guardian as required. During the account verification process, my parent/guardian did not recognize the application and mistakenly reported the account as fraudulent. As a result, Capital One appears to have permanently flagged my profile as associated with fraud. I am now an adult and have attempted to open an account with Capital One, but I am consistently denied. I have also attempted to contact the company to explain the situation and request a review or correction, but I have been unable to reach anyone who can address the issue or provide a path for reconsideration. Since that time, I have maintained multiple banking and credit accounts in good standing with other financial institutions, including a long-standing relationship with XXXX XXXX XXXX since XX/XX/year> as well as various other financial institutions, with no history of fraud or account misuse. I am requesting that Capital One : Conduct a manual review of my profile and the original incident Remove or correct any fraud designation that was applied due to a misunderstanding when I was a minor Provide a clear explanation of their decision and any steps required for reconsideration This issue appears to be based on a mistaken report made by a parent/guardian when I was underage, which she is willing to clear up, and I have not been given any meaningful opportunity to resolve or correct the record as an adult.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX my wife and I purchased a refrigerator for {$2100.00} at XXXX using the Synchrony card. The terms were to have the refrigerator balance paid off in XXXX months to avoid any interest. We setup a $ XXXX/month autopay that would easily cover the amount. A month later and a few times past that we bought some items which apparently was added to our promotional balance. It was never disclosed that items purchased after the fact would impact the promotion balance. Because of this we were fined {$600.00} deferred interest fee on XX/XX/XXXX. I am disputing the {$600.00} interest charge based on Regulation Z, 12 CFR 1026.53 ( b ) ( 1 ) ( ii ). Synchrony failed to properly allocate my payments to the deferred interest balance. I contacted them and spoke to several XXXX, including XXXX, but they we unwilling to help or meet in the middle at all. Any help or assistance with this would be greatly appreciated. Thank you for looking into 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 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
My Bank of America ap showed two new accounts that I did not open and did not consent to be a part of. The account # s are # XXXX and # XXXX. I was worried that my personal was being shared in kind, and went to the Bank of America financial center in XXXX XXXX located at XXXX XXXX XXXX. I was given no explanation for how the error occurred. I immediately closed the account I opened and requested my name and info be removed from the above account numbers. Later that afternoon I received a " low balance '' alert for one of the accounts and have received another 2 days later. I do not wish to be connected to these accounts in any way and would like to know how my personal info was used and who it was exposed to in the 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 2026-05-05 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I previously disputed multiple inaccurate and unverifiable accounts on my TransUnion credit report. TransUnion responded stating the items were verified, however, no documentation or evidence was provided to support the accuracy of the information. This response does not meet the legal standard of a reasonable reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The continued reporting of these items without proper verification indicates that my dispute was not meaningfully investigated. As a result, inaccurate information remains on my credit report, causing ongoing harm to my credit profile and financial standing. ACCOUNTS STILL IN DISPUTE AUSTINCAPBK - xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts continue to report despite my prior dispute and have not been properly verified through a lawful and reasonable investigation.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was the victim of a fraud scheme that originated on XXXX, where a scammer gained access to a trusted individuals account and posted items for sale under false pretenses. Believing I was communicating with someone I knew, I agreed to place a deposit on an item with the understanding that the payment would be fully refundable if I chose not to proceed. I sent the payment through XXXX. Shortly after, I discovered that the XXXX account had been hacked and that multiple individuals had been targeted by the same scam. The transaction was not a legitimate purchaseit was induced under false representation and deception. As soon as I became aware of the fraud, I took immediate action : Contacted my bank to stop payment Reported the incident to the Federal Trade Commission Attempted to resolve the issue directly with XXXX Despite providing this information, XXXX denied my claim and is attempting to hold me responsible for funds tied to a fraudulent transaction. This situation involves unauthorized and deceptive conduct, not a standard dispute between buyer and seller. The payment was made based on fraudulent misrepresentation, and I should not be held liable for a scam in which I was the victim. I am requesting that XXXX : Reverse or forgive the disputed amount Acknowledge the transaction as fraud Cease collection efforts related to this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
As today XX/XX/year> my account is still Flagged as a Fraud account. Called again to verify and I'm still experiencing issues with the card. It's abusive that they keep flagging my account as fraud and my next step will be to contact a lawyer. I applied to the CitiBank Simplicity card back in XX/XX/year> through a XXXX XXXX portal. As soon as I received the card I called to activate it and then tried to do a balance transfer to payoff a credit card with XXXX XXXX. I noticed a few days later that the transfer wasn't made so when I called they told me my account was flagged for suspicious activity and that I had to wait for a letter. I waited for the letter that was mailed on XX/XX/XXXX and that I received on XX/XX/XXXX and when I received the letter it didn't have a reference number so when I called CitiBank they told me I had to wait for another letter with a reference number. This new letter was mailed on XX/XX/XXXX and received on XX/XX/XXXX but In the meantime I tried to do a phone verification twice but couldn't make it. Now they are saying that the letters that were mailed to me were wrong and that I have to wait XXXX days for a new letter. This is what the supervisor told me. I had to keep making payments on my previous card costing me around {$1000.00} already because I haven't been able to make the balance transfer. I think they are abusing me and discriminating me for being XXXX and a female. I have good credit and if they look at the payment history of a jointly card with my husband that I have with them they could see that card it's been always paid on time.

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