vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I've just submitted an email to Synchrony. My wife and I are awaiting their response. 

My wife and I opened this account in XX/XX/XXXX for a {$4000.00} furniture purchase. During the sale, the Ashley Furniture representative strongly urged my husband and me to pay the entire balance within 46 months, appearing visibly alarmed. 

We later learned that this was because of the harmful deferred-interest structure and the excessive fees attached to this account. We received a thick packet of legal paperwork at the point of sale, but at no point were we informed verbally or in writing that any add-on products would be added to our account. 

In reviewing my statements, weve discovered that Synchrony has been charging me {$50.00} {$67.00} per month for a Payment Security or Payment Protection program. We never enrolled in this product, never provided verbal or written authorization, and never received disclosures explaining it. These fees consumed a substantial portion of our monthly payments and caused my balance to increase rather than decrease. 

Synchrony has also restricted access to older statements, we can not view any charges prior to XX/XX/XXXX. Therefore, we can not determine how long these unauthorized fees have been billed. 

The Payment Security charges pushed my balance over my {$4000.00} credit limit, which then triggered a series of increasingly large over-limit fees on my statements : Statement Date Over-Limit Fee XX/XX/XXXX {$99.00} XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$150.00} XX/XX/XXXX {$150.00} This totals {$530.00} in just four months, caused entirely by Synchronys unauthorized add-on product. 

Despite making consistent monthly payments of {$150.00} {$170.00}, my balance remains over {$3000.00}. Interest charged year-to-date is {$960.00}. Synchronys unauthorized fees, penalty stacking, and inflated balances made it mathematically impossible to pay down the principal.

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 2025-11-09 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have tried to obtain information about the balance on two separate American Express gift cards that I believe have not been used ( each for {$100.00} ), but was checking to confirm.

Every time I try to check online, I keep getting the message " A system error has occurred. Please check again later '' on the website. I've checked multiple times and on multiple internet browsers but keep getting the same message.

I've called the company and can not get help because the phone system requires you to type in the card information and the phone system does not recognize it. Because of that it keeps looping and won't let me talk to a person.

I am running into the same issue on their website. When I go to get help on their website it requires you to " log in '' using your card 's information in order to submit a request for help. The system is all tied together and if you have issues with the card, it leaves you in no-man's-land for receiving any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Removal of reporting to credit bureaus I was late on payments when I was never late. XXXX is charging monthly fees for having the credit card, then charging late fees on top of their monthly {$8.00} fee and reporting to the credit bureaus as late along with a late fee for their own monthly charge. I have not charged or used my XXXX credit card for years, yet they still not only charge me the {$8.00} fee but then charge me a late fee on top of their monthly fee. They also reported I had not paid since XX/XX/year> which was in accurate. When I called them the removed the late fees, I ended up paying the {$8.00} per month fee but they refused to report accurate information to the credit bureaus that I was not late. Because they reported to TranUnion I was late on their {$8.00} fee my XXXX XXXX dropped XXXX points in XXXX  month. I disputed I was never late and XXXX reported back that my credit report was accurate. This is predatory lending practices- charging XXXX XXXX monthly fee and then adding late charges on their monthly fees and inaccurately reporting to the credit agencies inaccurate 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 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: VW Credit
State: NY

Complaint narrative:
I am submitting this formal statement to assert that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated regarding the account reported by Volkswagen Credit. 
This account was previously removed from my credit report on XXXX separate occasions after I submitted full documentation proving that the loan was fraudulently opened as a result of a data breach. Despite this, XXXX  has reinserted the Volkswagen Credit account for a XXXX  time without providing any written notice, as required by XXXX law. 
The reinsertion occurred XXXX days prior to any written communication or notice being issued, directly violating my right under FCRA 611 ( a ) ( 5 ) ( B ), which mandates that the consumer be notified before or at the time disputed information is reinserted into a credit file. 
I have already provided substantial proof that this account was the result of identity theft and not authorized by me. The repeated reinsertion of this fraudulent account without proper notice is not only damaging to my credit but also constitutes a clear violation of my consumer rights. 
Accordingly, I am demanding that : The Volkswagen Credit account be immediately removed from my credit report. 
XXXX  provide a written explanation identifying the party that verified the reinsertion and the date of such verification. 
A record of this violation be noted in XXXX internal compliance file for audit purposes. 
Please treat this matter with urgency. I expect written confirmation once the account has been permanently deleted and proper corrective measures have been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I have a Citibank Wayfair credit card. It advertises 7 % rewards on Wayfair purchases, 3 % rewards on groceries, 2 % rewards on online purchases, and 1 % on everything else. Ive used the card for over a year and have never had a single rewards XXXX. Ive inquired with Wayfair, who said I need to enroll in rewards. I did that in XXXX, at a cost of {$29.00}. ( Seems like that should not be necessary when you have a card with them. ) I then used the card for all of my groceries, and still no rewards. I inquired again, only to be told that I need to make a Wayfair purchase to have rewards credited to me. This runs counter to all of the advertising for the card, which very clearly represents that rewards are earned for ALL purchases, albeit in varying amounts. It is misleading, at best. Its been a ripoff from the beginning.

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 2025-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Formal Complaint Improper and Excessive Lender-Placed Insurance Charges in Violation of 12 C.F.R. 1024.37 Dear CFPB Complaints Division, I am filing a formal complaint against Newrez Mortgage ( also operating as Shellpoint Mortgage Servicing ) regarding improper charges of force-placed hazard insurance on my property at [ redacted ], under Loan XXXX  [ redacted ]. 

Despite providing evidence of building-wide coverage and disputing the charges in writing multiple times ( initially on XX/XX/XXXX, and again on XX/XX/XXXX ), Newrez continues to bill me for a retroactively applied lender-placed policy covering the period XX/XX/XXXX to XX/XX/XXXX. 

Core Issues : XXXX XXXX : Newrez charged {$3600.00} for roughly XXXX months of limited hazard insurance, spread over XXXX months as a {$61.00} monthly escrow charge. This is over XXXX the market rate, as comparable hazard insurance for the unit typically costs {$330.00} per year. 

XXXX XXXX : My co-op building maintained valid master insurance the entire time. The lender never inquired about this until after placing the policy. 

Lack of Good Faith : After acknowledging notices were sent, Newrez refuses to recognize the clear misapplication of excessive charges and continues to collect escrow in spite of my formal disputes. 

Failure to Remove Escrow Account : I have explicitly requested removal of the escrow account created solely for the illegitimate XXXX  charges. Newrez refuses and continues billing. 

This appears to be a clear violation of 12 C.F.R. 1024.37 ( h ) ( 2 ), which prohibits mortgage servicers from imposing unreasonably high charges and requires due diligence before placing insurance. 

I request the CFPB to investigate this matter and compel Newrez to remove these charges, reimburse any collected amounts, and confirm that no negative credit reporting has taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my credit report that is unverified, unrecognizable, and missing required information about the original creditor. The account appeared on my credit report on or around XX/XX/year>, with an alleged balance of {$790.00}. The credit report lists No Info under Original Creditor Name, which means I have no way to confirm what this debt is supposed to relate to. 

I am no longer responsible for the original account in question, and I do not recognize this debt. Because Portfolio Recovery A has failed to identify the original creditor, provide documentation, or validate the debt, I have disputed this account with the credit bureaus multiple times. Despite these disputes, Portfolio Recovery continues to report the account without providing any proper validation. 

This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Reporting unverifiable or inaccurate information ( FCRA 602, 604, 607, 611 ) Failing to provide debt validation upon request ( FDCPA 809 ) Continuing collection and reporting activities without validation ( FDCPA 809 ( b ) ) A collection account that lists no original creditor, can not be validated, and is not recognized by the consumer should not remain on a credit report. 

This unverified account is damaging my creditworthiness, misrepresenting my financial history, and causing ongoing stress and difficulty. I have made numerous attempts to resolve the matter directly, but Portfolio Recovery A has not provided validation nor removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: MI

Complaint narrative:
On my XX/XX/XXXX statement with US Bank it is noted that mt balance is {$62000.00} and the explanation of the {$510.00} amount due would be {$140.00} to the principle and {$360.00} interest. I paid {$560.00} ( extra {$50.00} on principle ) on XX/XX/XXXX ( payment due XX/XX/XXXX ). My statement on XX/XX/XXXX showed a balance of {$62000.00} with my payment being applied as {$50.00} towards the principle and {$510.00} for interest. 

I contacted US Bank on XX/XX/XXXX and spoke with XXXX regarding this issue. I told her I wanted payment applied as noted on the statement effective XX/XX/XXXX as it was resulting in additional interest because it was not applied correctly. She said she issued a ticket for correction. I have not received communication nor has this been corrected. 

My XX/XX/XXXX statement shows that the {$510.00} payment would be applied as {$250.00} to principle and {$250.00} for interest. Again I paid {$560.00} ( {$50.00} additional on principle ) on XX/XX/XXXX. {$61.00} was applied toward principle and {$500.00} as interest. I filed this complaint upon receipt of the statement.

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 2025-11-09 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: FL

Complaint narrative:
I filed XXXX XXXX XXXX  discharged XX/XX/XXXX. Three accounts were included and fully XXXX : XXXX XXXX, XXXX ( XXXX XXXX  ), and XXXX XXXX 

Equifax continues to report all three accounts inaccurately nearly four years after discharge : XXXX  XXXX : Reports as " Account Included In Bankruptcy '' with zero balance but continues active presence on my credit report years post-discharge. This account should have been removed entirely. 

XXXX XXXX  Most critically, Equifax reported this account as recently as XX/XX/XXXX, XXXXnearly four years after my XX/XX/XXXX discharge. This proves Equifax is actively receiving, processing, and maintaining updates on a fully discharged bankruptcy account years after the debt was legally eliminated. 

XXXX XXXX Reports as " Account Included In Bankruptcy '' but continues active presence on my report years post-discharge when it should have been removed. 

While Equifax uses technically correct bankruptcy notation codes ( XXXX and XXXX indicating bankruptcy discharge ), the core violation is that these accounts should not continue active reporting status nearly four years after discharge. The XX/XX/XXXX update on XXXX proves Equifax is actively maintaining these accounts, not simply displaying historical data. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit bureaus must follow reasonable procedures to assure maximum possible accuracy. Continuing to actively report and accept updates on discharged bankruptcy accounts violates this requirement. Under 11 U.S.C. 524, the bankruptcy discharge injunction prohibits misleading reporting on discharged debts. Continued active maintenance of these accounts violates the injunction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
XXXX XXXX account email address XXXX XXXXXXXX XXXX XXXX  I opened an XXXX XXXX  account under my ministry name and applied for an American Express and XXXX XXXX  XXXX  through XXXX. 

Someone logged in and changed my passwords and after a download from XXXX on all my data, it showed my new American Express card, being accessed and information being shown XXXX and XXXX. 
After several attempts to contact American Express, I finally got a hold of the business department, and they admitted an account was open after direct denial from XXXX customer service admitting the existence of my card. I asked American Express to send a replacement and they said it should be to me within 7 to 10 business days.. They admitted my credit limit was XXXX and it never showed up in my mailbox. I then contacted American Express again and with the next phone call, they denied existence and said that my information never existed. 
XXXX is still not letting me access my accounts and I have an intruder that is changing my passwords on a daily basis. 
A gift card in the amount of {$75.00} was even stolen directly from my account and not returned to me under the phone number XXXX. 
Continued illegal downloads of altered apps from XXXX to my devices is continuously frustrating and I need a full investigation into why XXXX feels it has the right to change and alter my financial accounts without my approval. 
American Express must have some information of where my credit card went to and I demand from American Express a complete detailed outline of my financial assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On Monday XX/XX/XXXX someone stole XXXX XXXX out of my account they sent that money to themselves using XXXX XXXX and I had another company steal XXXXXXXX XXXX from me I brought the issues to chimes attention they gave me my XXXX XXXX but wont give me my XXXX XXXX no matter how much evidence I provide that I dont know the person and Ive never used XXXX XXXX  in my entire life they honestly just dont want to give me my money back because its a larger amount or at least thats how I feel and I dont think its fair that my hard earned money gets stolen and nothing is done about it this investigation has been ongoing on and off for a week I need justice to be served please and thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I had two civil judgements brought about on me in the last 3 to 4 yrs. These judgements although unethical and unfair which were due to medical bills for my ex and I have been paid and charged or written off and or forgiven. Not to include all the taxes I have paid on top of the egregious act of unsubtlty ; not to include XXXX XXXX  claiming fees and charging not helping the problem through the rise of influx inflation!!!

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 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My XXXX  account XXXX has been suspended for unknown reasons. I have done nothing wrong. I have requested the account be re-activated. Their customer support has not been helpful. 

My money and account is frozen Im not able to utilize my account and I have to leverage this to pay rent, bills, and child support payments. The suspension is costing me late fees and I dont have access to my funds/account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Meritize Financial Inc.
State: FL

Complaint narrative:
I applied for a student loan through Meritize to attend XXXX XXXX XXXX. The funds were disbursed directly to the school, but I never began the course or received any instruction or service. Before enrollment, I informed the school that I had to relocate and could not attend. The school confirmed by email that they would contact the lender and return the funds, but the loan remained active and was later charged off. No proof of attendance or use of funds has ever been provided. This debt is invalid under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Victim of XXXX  XXXX XXXX ( XXXX XXXX. XXXX ) Violations : 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION Sequium Asset Solutions LLC are unlawfully harassing me over a purported debt of {$23000.00} ; allegedly owed. Sequium Asset Solutions LLC collection letters and calls supported only by a computer-generated statement printout, are rife with frivolous charges and flatly inconsistent with the validation and licensing requirements. 
In order to satisfy the consumer protection statutes at the XXXX  and XXXX level, Sequium Asset Solutions LLC must furnish the following documents prior to its reporting of the account : XXXX. Original Purchase Agreement : A copy of the fully executed, original ( or certified copy ) purchase agreement that evidences the existence and terms of the original debt, including Plaintiffs signature or acknowledgment of the terms. 
XXXX. Notice of Sale : A copy of the notice of sale or other documentation evidencing the transfer or assignment of the alleged debt from the original creditor to Defendant, evidencing a complete and unbroken chain of title. 
XXXX. Additional Permissible Purpose Documentation : Any additional documentation that demonstrates the existence of a legally cognizable permissible purpose pursuant to 15 U.S.C. 1681b for reporting the alleged debt.

This complaint serves as notice of my intent to pursue binding arbitration and litigation against Sequium Asset Solutions LLC for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I submitted an application to Capital One solely to inquire about potential savings from a balance transfer. At no time did I sign documents, provide authorization, or formally request a balance transfer. 
They sent me emails to fill out paperwork but never completed or sent any to them. 
Despite this, Capital One purchased my outstanding balance from XXXX XXXX without my consent. XXXX XXXX has confirmed that my balance has been paid off. 

This transaction was processed without my knowledge or authorization, and I never agreed to transfer the account. I am concerned that this unauthorized transfer could : 1. Create an account balance with Capital One that I do not owe.

2. Impact my credit report and credit score incorrectly.

Company response to consumer: Closed with explanation