vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This complaint is regarding the Comenity - XXXX XXXX XXXX XXXX- As of my XXXX statement, I had a balance of {$87.00}. I paid that balance in full on XX/XX/25 via their automated phone system which stated my balance was {$87.00}. Being that I paid in full, that account was no longer on my radar. I opened a statement today, XX/XX/25 and see that I had a {$40.00} late fee added to my account on XX/XX/25 and {$2.00} in interest on XX/XX/25. I called to ask if they could waive that fee as a one time courtesy as I was just 5 days late making the payment. I was offered a {$15.00} credit by the phone agent and two supervisors and that was all they could offer. I was also told that since I didn't pay the late fee on time, I was charged another late fee, so now my balance is {$84.00} ( on a balance of {$87.00} that was 5 days late ). 

I called back to verify that I indeed made the payment via the automated phone system and explained to the new phone agent that I paid the amount stated, so I was extra frustrated that I paid the amount I was told and then was penalized {$84.00}. She explained that the late fee wouldn't show until the next statement date. After explaining my frustrations in how I am being treated as a customer, she offered me another {$15.00} credit for a total of {$30.00}. 

I will never use Comenity bank again. Fees in general are getting out of control and a {$40.00} late fee on an {$87.00} balance should be criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC
State: NY

Complaint narrative:
I have a random collection filled against me for something I never maded.

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had multiple unauthorized charges on my American Express account, including one from XXXX. Amex denied my fraud dispute by claiming the XXXX policy was in my namehowever, this alone does not prove authorization. 

A fraudster can easily open accounts using stolen identity information. Amex failed to provide any actual documentation, did not determine if the transaction was authorized by me, and ignored the legal standards for a reasonable investigation under Regulation Z ( 12 CFR 1026.13 ).

Instead, Amex abruptly closed my account without warning and refused to reopen it despite over 25 attempts to resolve this by phone. They did not give me access to their findings or allow me to appeal the decision.

I have never received a proper written explanation of their denial, and the claim was dismissed without a reasonable basis. This violates the Fair Credit Billing Act and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I keep getting messages about this debts and I'm unfamiliar with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
SWRS Southwest recovery services was calling me to collect a debt, and I was trying to inform them that I was working with the original debt holder, trying to resolve issues with the amount and reasons of the charges. Instead, they decided to start talking over me. A guy named XXXX refused to let me speak and then when he finally let me speak, I try to explain to him that he didnt understand what was going on through this whole process and I was having to try to correct the issues with the original debt holder and he didnt like that so he told me that he was gon na just mark it as a refusal so it hurt my credit negatively and then hung up on me and then Ive called back several different times been hung up on several different times even spoke to a supervisor named XXXX and he hung up on me luckily almost all these phone conversations have been recorded in one way or another and Im more than happy to provide evidence and proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Subject : Complaint Regarding Experian - Unable to Reset Password Due to Outdated Contact Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding my inability to access my account due to outdated contact information and the lack of adequate support to resolve this issue. 
I am trying to reset my password for my Experian account. However, the password reset link is consistently being sent to a phone number I no longer have access to : and an email address I no longer recall or use.. 
I have made multiple attempts to contact Experian 's customer support to update this information and regain access to my account.. but once verified by the automated system with my full social, zip code and street address number.. it just hangs up on every time .. telling me before it does that it can not transfer me for reasons I still nor will I ever fully comprehend .. And this has happened with all of their numbers I've called their general customer support at XXXX, technical support at XXXX.. same thing with their corporate line. Each time, I was unable to bypass the automated system.. I just want help updating my contact information and the automated system is design not to transfer me to a live agaent without first being logged into my account, which is impossible due to the password issue. 
I am concerned about my inability to access my credit information and the potential security risks associated with having outdated contact information on file. I request the CFPB 's assistance in resolving this matter by urging Experian to provide a clear and accessible pathway for users to update their contact information when locked out of their accounts. 
My name is XXXX XXXX XXXX XXXX and my current contact information is : XXXX XXXX Thank you for your time and attention to 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 explanation
Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
Company : Synchrony Bank Issue : Billing dispute Unauthorized Payment Security Charges Complaint : I recently discovered that Synchrony Bank has been charging me monthly for a Payment Security product since XXXX I never knowingly or intentionally opted into this program. When I contacted Synchrony, they claimed I enrolled during account opening in XXXX but could not provide any documentation showing that I clearly and explicitly consented. 

When I requested a full refund and a complete transaction history of these charges, I encountered scripted responses, stonewalling, and obfuscation : The first representative, XXXX  ( Badge # XXXX ), repeatedly read a disclaimer offering only a 12-month refund, despite me clearly stating multiple times that I did not accept that offer and wanted a full refund. 

I asked XXXX for the call recording ID for documentation. Later, the supervisor gave me a different call recording ID, which raises serious concerns about internal transparency and possible misrepresentation. 

XXXX placed me on hold multiple times over an extended period, claiming to be waiting for a supervisor. 

Eventually, I was transferred to a supervisor, XXXX ( XXXX # XXXX ), who stated he could not take any action beyond the 12-month refund ( which I denied ) and that my request could only be escalated to a department that has no direct phone number and can not be contacted by me. 

I also recorded the entire call on my end for documentation, as it quickly became evident XXXX was trying to force a 12-month refund I explicitly declined multiple times. This recording captures my repeated, reasonable requests, the agents refusal to escalate promptly, and the mismatched information provided by different representatives.

To further justify the charges, they claimed a letter had been mailed to me in XXXX I never received such a letter, and it was never acknowledged or consented to. Relying on a piece of mail from 7 years agonever confirmed or validateddoes not constitute affirmative consent. 

Synchrony Bank refuses to provide a full charge history, denies access to the team that makes refund decisions, and can not produce documentation showing how I was enrolled. I find this deceptive and unacceptable, especially since I was never clearly made aware of this product. The lack of informed consent, call record inconsistencies, and reliance on unverifiable mail raise serious questions about their practices. Not to mention, there are hundreds of similar complaints online, suggesting this is a systemic issue.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I received a letter stating that I owed {$200.00} to the atlas company for an apartment rented in XXXX  The representative was incredibly impolite and abruptly hung up while I tried to explain that it was a mistake. 
The debt was referred to procollect These are the people who used strong tactics and said theyd refer the debt to the credit agencies to impact my credit report negatively. I dont know who these people are. I havent rented an apartment in over 60 years. How they got my name and this alleged debt is a scam. 

Id appreciate any assistance that you can provide in this matter. 

Thank you

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Below are the details of the inquiries that Transunion continues to report on my credit report. I have requested that these items be removed from my report as they were not authorized by me however they remain on my report : 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 XXXXXX/XX/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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In Equifax I have a debt collection that is not mine i dont liable for this debt i never sign a contract whit this company and never know about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Product : XXXX XXXX ( XXXX ) XXXX  : Capital One Issue : Rewards were unfairly forfeited after account closure What happened : My Capital One XXXX XXXX XXXX  account was closed by Capital One on XX/XX/scrub> 2025, without warning or clear explanation. The stated reason was that the account activity did not match prior usage patterns. This may have referred to two returned ACH payments, but there was no fraud, abuse, or delinquency. I was using the card responsibly and making payments.

I only learned the account was closed after I called to ask about a suspension notice. During that call, the representative casually informed me that my rewardsover $ XXXXhad been forfeited. I was never warned in advance that my rewards were at risk, nor given an opportunity to redeem them. The closure and reward forfeiture were sudden, unexplained, and completely one-sided. 

I received no written or digital disclosure of this consequence, and when I asked on a recorded line what my rights were, the representative could not provide clarity. I had to investigate on my own. This lack of transparency and fairness has severely damaged my trust. 

These rewards were accumulated with the goal of using them for our 10-year anniversary travel plans. My family and I felt blindsided by this outcome. We continued making payments even after the closure and had no history of revolving debt. The card had one of the highest interest rates Ive held, but I considered it acceptable due to the rewards program, which was now nullified without recourse.

It is possible this decision was made by an automated system, and if so, that makes it even more troubling. No meaningful human review seems to have taken place, and no effort was made to contact me before such a drastic action was taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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