vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a victim of a violent extortion scheme ( XXXX XXXX Police Case # XXXX ). I have also filed an FTC Identity Theft Report ( # XXXX ). Synchrony Bank has refused to block fraudulent accounts and charges despite my providing both reports, in violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). FRAUDULENT TRANSACTIONS/ ACCOUNTS : 1. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> ( XXXX XXXX ) This charge was made under duress as part of the extortion scheme. I was held at XXXX and threatened with a hitman. I did not authorize this purchase. 2. XXXX XXXX XX/XX/year> ( XXXX ) This charge was made under duress as part of the extortion scheme. I did not authorize this purchase. 3. XXXX XXXX XXXX ( Fraudulent Account ) An XXXX XXXX XXXX account was fraudulently opened in my name without my consent. I never applied for or used this account. LEGAL VIOLATION : Under FCRA Section 605B, upon receipt of a valid Identity Theft Report ( police report + FTC affidavit ), Synchrony Bank is REQUIRED to block the reporting of fraudulent information within FOUR ( 4 ) BUSINESS DAYS. Synchrony Bank has failed to do so. They continue to report these fraudulent accounts and charges on my credit report. This is a direct violation of federal law. REQUEST FOR RELIEF : 1. Synchrony Bank must BLOCK all three fraudulent accounts/charges within 4 business days as required by law. 2. Synchrony Bank must provide written confirmation of the block. 3. Synchrony Bank must provide the METHOD OF VERIFICATION used to " verify '' these debts ( FCRA Section 611 ). Attached : Police report ( # XXXX ), FTC Identity Theft Report ( # 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 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NC

Complaint narrative:
I am submitting this complaint regarding my student loans connected to the XXXX XXXX XXXX and XXXX XXXX. I believe I was misled by both schools through aggressive recruiting tactics and false promises regarding employment opportunities, transferability of credits, and the value of the education provided. These actions caused me to take on substantial student loan debt that has created long-term financial hardship. I attended the University XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. During the enrollment process, admissions representatives pressured me to enroll and assured me that jobs would be available after graduation and that my credits would transfer to other schools if needed. I was also led to believe that attending the school would provide better career opportunities and financial stability. At the time, I was living below the poverty level and was especially vulnerable to these recruiting tactics. I was encouraged to take out large amounts of student loans without fully understanding the long-term financial consequences, including the high interest rates and monthly payments that would follow. I later learned that many employers did not view the degree or coursework as credible, and I was unable to secure employment in my field as promised. My credits also did not transfer in the way I was told they would. I did not graduate from the XXXX XXXX XXXX because I could no longer afford the growing loan payments and financial burden associated with my student debt. I later attended XXXX University from XXXX through XX/XX/XXXX and experienced similar recruiting and enrollment pressure. I again relied on representations that the education would lead to meaningful employment opportunities and improved financial circumstances. Although I eventually graduated from XXXX XXXX, I still did not obtain the career opportunities or salary levels that were promised or implied during recruitment. As a result of these experiences, I now owe approximately {$80000.00} in student loan debt. Despite my efforts to improve my education and career prospects, I have experienced financial hardship, low wages, and difficulty obtaining employment in my field. I believe both schools engaged in misleading and deceptive practices that directly contributed to my student loan debt. I am requesting a full review of my student loan situation for possible relief, discharge, forgiveness, or other borrower protections that may apply. I also request that the practices of these institutions be investigated due to the misleading representations and aggressive recruiting tactics used during my enrollment process. I can provide additional documentation, including loan records, enrollment information, and communications related to my attendance and student loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am disputing a late payment fee and any related interest charges assessed by Capital One. I live in XXXX, XXXX ( XXXX XXXX XXXX ). Before filing this complaint, I contacted Capital One customer service directly XXXX times to confirm the payment cutoff time for my account. I specifically asked what time my payment needed to be submitted by in Arizona to be considered on time. The representative informed me that my payment would be considered on time if submitted by XXXX XXXX Arizona time. I submitted my payment before that stated deadline. However, Capital One later claimed the payment posted at XXXX XXXX XXXX XXXX and treated it as late. XXXX XXXX XXXX XXXX corresponds to XXXX XXXX Arizona time, meaning the payment was still made before the deadline that their own representative told me applied to my account. Based on the information provided by XXXX XXXX representative, I made my payment within the allowed timeframe and in good faith. I can show on my bank statement that the money was pulled from my account on the XXXX prior to the midnight deadline. I believe the late fee and any associated interest charges were incorrectly assessed. I am requesting : Removal of the late fee Reversal of any associated interest charges Correction of any negative credit reporting related to this payment, if applicable Written clarification regarding the exact payment cutoff policy and applicable time zone for Arizona customers I also request that Capital One review whether inconsistent or unclear time-zone communication is causing consumers to be improperly charged late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 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: CA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX handling of a billing dispute related to a canceled flight booking. I disputed a total charge of {$960.00} for a flight booking for XXXX passengers. The booking was canceled within XXXX hours of purchase, which according to the airline and merchant policy qualified for a full refund without cancellation penalties. I provided Bank of America with documentation from XXXX XXXX confirming the cancellation and refund processing. The XXXX XXXX refund notice showed that the Fare Used amount was {$0.00}, indicating that the ticket was not used. The infant fare associated with this booking was also {$0.00}. On XX/XX/year>, the merchant ( XXXX / XXXX ) issued a partial refund of {$500.00} to my account. However, the remaining balance of {$460.00} was never refunded. Bank of America reopened the dispute on XX/XX/year> and continued investigating the claim. As recently as XX/XX/year>, I was informed by a representative that the remaining balance was still under investigation and that I should wait another XXXX weeks for the review to complete. Despite this, Bank of America closed the dispute before the remaining balance was resolved or credited to my account. I am requesting assistance because the dispute was closed even though the full eligible refund amount was not returned to me and the remaining balance is still unresolved.

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had emergency surgery on XX/XX/year>, at XXXX XXXX. It was a 6 hour surgery where they removed about a meter of my XXXX XXXX and repaired multiple XXXX on about XXXX more meters of XXXX XXXX. I was hospitalized till XX/XX/year>. I was not receiving any mail at the hospital. I had automated payments set up for XXXXXXXX XXXX XXXXXXXX, but somehow those automated payments stopped. I don't know how or why they stopped. I feel as though I'm being railroaded. Look at my account. My XXXX score was up to XXXX until this so-called late payment popped up. Due to these facts and because I paid that bill immediately as soon as I realized what had happened. My XXXX score dropped over XXXX points due to a late payment. I feel that's pretty insane. I respectfully request you rescind the late payment ( as I already paid it off and started automated payment again ) and place my XXXX score back to the level it was at prior to the late payment.

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 2026-05-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint against American Express ( AMEX ) for their failure to properly investigate a billing error for a service not received. I disputed a {$150.00} charge from XXXX XXXX for a paid seat that was purchased specifically to access a baby bassinet. The merchant 's defense, provided by AMEX, admits that the XXXX weight limit is XXXX. However, on the day of travel on XX/XX/year>, the airport check in desk agent for XXXX XXXX said that the weight limit was XXXX to use the XXXX. On the airplane, the XXXX XXXX flight attendant confirmed that the XXXX XXXX weight limit is XXXX and denied the use of the XXXX as my son was over the XXXX weight limit. As a result, I bought an unnecessary {$150.00} seat without a XXXX for my XXXX due to given incorrect information about the weight limit. As part of my dispute case with AMEX, I provided AMEX with the weight limit of XXXX from the airline 's website and with medical records showing my XXXX weighed below XXXX on the date of travel well below the merchants own safety threshold. Despite this clear point that my son was within the XXXX criteria but was denied due to a XXXX new criteria, AMEX has closed the case three times in favor of the merchant. AMEX has failed to address the factual discrepancy between the merchants stated policy ( XXXX ) and the crews refusal to provide service ( enforcing a XXXX maximum weight limit ). Furthermore, AMEX is relying on the " benefit '' of extra legroom to justify the charge. I have explained to AMEX that I am of short stature and the extra legroom provides no utility ; the seat was a " tied-product '' necessary only to access the XXXX XXXX. By ignoring medical documentation and the merchants own contradictory statements, AMEX has failed to fulfill its duty to conduct a " reasonable investigation '' into a disputed charge for services that were not provided as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: CA

Complaint narrative:
I paid {$14.00} for the Tomo Credit Card XXXX XXXX. They charged me twice for the same plan and never refunded me the second payment. I never received the card so I paid for the premium card {$120.00} and XXXX months later I still haven't received it. I've repeatedly emailed them demanding they refund me all of my money for a card I've never received. I've also told them numerous times I no longer desire their services or cards. Their website has an option to book a consultation to cancel XXXX months out at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing a complaint about Robinhood XXXX XXXX late fee and interest charge. I paid what appeared to be my full balance before the due date, but Robinhood still charged me a late fee and/or interest. I tried to resolve this through Robinhoods in-app support, but I did not receive a clear written explanation. My concern is that the app did not clearly explain the exact amount I needed to pay by the due date to avoid these charges. As a long-time credit card user, I found this confusing and misleading. I am asking Robinhood to provide a written breakdown of : 1. My statement balance / adjusted statement balance. 2. The payment due date. 3. The exact date and time my payment was submitted, received, and posted. 4. Why the late fee was charged. 5. Why interest was charged. 6. Which transactions were used to calculate the interest. 7. The exact amount I needed to pay by the due date to avoid interest. I am requesting reversal of the late fee and interest charge, or a clear written explanation showing why the charges were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: MA

Complaint narrative:
I am filing this complaint due to the consumer reporting agencys continued reporting of information on my credit file without demonstrating a lawful permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. I have not provided any written authorization, instruction, or consent permitting the collection, use, or disclosure of this information. Despite multiple disputes, the agency has failed to produce competent, verifiable evidence establishing its authority to report these items, which remain unauthorized, unverified, and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am requesting a review of my federal student loan servicing history and repayment assistance counseling. My XXXX loan records show repeated forbearance periods beginning shortly after repayment started in XXXX, followed by default status in XXXX and substantial capitalized interest growth. My records also show multiple later transitions between repayment and forbearance statuses. At the time these events occurred, I do not believe I was adequately informed about Income-Driven Repayment ( XXXX ) options or other flexible repayment programs that may have helped prevent prolonged delinquency, default, and capitalization. I was largely unaware of XXXX programs until after the COVID period. I am requesting a review of : * repayment assistance counseling provided, * forbearance usage, * repayment option communications, * capitalization events, * and whether appropriate IDR options were properly explained prior to default and long-term financial distress. I have attached my XXXX loan history records for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX with Equifax multiple times. The account continues to inaccurately list XXXX XXXX XXXX as the Original Creditor despite XXXX being a third-party debt collector, not the utility provider that allegedly originated the debt. Equifax claims to have conducted a reinvestigation, however they merely updated reporting dates and added a dispute notation without correcting the inaccurate original creditor information or providing documentation validating the account. I requested verification of the true original creditor, proof of assignment/ownership, and supporting account documentation. None was provided. Reporting a debt collector as the original creditor while classifying the account as a utility debt is inaccurate and misleading under the Fair Credit Reporting Act. I am requesting deletion of this tradeline due to inaccurate and unverifiable reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a formal complaint against Citibank for failing to comply with Regulation XXXX regarding unauthorized ATM withdrawals totaling {$1000.00} ( XX/XX/year> ). The bank has repeatedly ignored the fact that the debit card and PIN were stolen via mail theft and that I have been physically outside the XXXX since XX/XX/year>. I never received, possessed, or activated the card. and this is a Demand Letter. Official Evidence Log : XXXX Submission ID : XXXX FTC Identity Theft Ref : XXXX USPIS Mail Theft Ref : XXXX LAPD Report : XXXX Physical Evidence : XXXX XXXX XXXX Report proving my absence from the XXXX at XXXX time of the fraud. Under Electronic Fund Transfer Act ( Regulation XXXX, XXXX XXXX XXXX ), a consumer 's liability for unauthorized transactions is {$0.00} when the access device ( card/PIN ) was never received or accepted by the consumer. Your previous denial based on " PIN usage '' is a direct violation of federal law, as the PIN itself was stolen in the mailing process and was never in my control.

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 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am experiencing ongoing issues with my loan servicer regarding the handling of my account and lack of a permanent resolution to my financial hardship. The company has only offered temporary solutions such as payment deferments and loan modifications. While these options provide short-term relief, they ultimately increase the total cost of my loan due to continued interest accrual. As a result, I am being placed in a worse financial position over time. I am concerned that the long-term financial impact of these options has not been clearly or fully explained. During this interim period, interest continues to accrue, allowing the company to profit while my loan balance grows. I am seeking a fair and sustainable resolution that does not significantly increase my total loan obligation. I would like the company to provide clear, transparent information about all available options and work toward a permanent solution that considers my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
Account XXXX XXXX XXXX # * XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide XXXX Mail with receipt displaying my signature. If not, please delete account # * XXXX as soon as possible from my report or i will have to take legal action.

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 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a XXXX XXXX to Repayment application based on documented misrepresentations made by the University XXXX XXXX regarding employment outcomes, transferability of credits, and the value of its XXXX program. The application was acknowledged as received, but as of today, nearly XXXX years later, no decision has been issued. The application remains in pending review status with no timeline for resolution. I have monitored my application and attempted to obtain updates, but I have not received any meaningful response or progress from the Department of Education. Despite the pending XXXX XXXX claim, my federal student loans were placed into repayment status. To avoid delinquency and further harm, I have had to pursue deferment and other temporary measures. The loans are tied to a program I enrolled in based on misleading representations. The degree has not provided the promised employment opportunities or financial benefit. As a result, my earning capacity has been limited, and I have experienced ongoing financial hardship, including negative impacts to my credit and overall financial stability. The Department has taken no substantive action to resolve my claim, and the length of delay is unreasonable given the amount of time that has passed.

Company response to consumer: Closed with explanation