vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing fees and interest charges totaling {$1100.00} applied to my CareCredit account after I relied on incorrect information provided by CareCredit customer service representatives. 

On XX/XX/XXXX, I contacted CareCredit customer service because I found it odd that there was still a balance owed. I asked multiple times if there was anything else I owed. The representative told me that I had paid for the month and that my account was fine regardless of the minimum due. I have never missed a payment and have always paid at least the minimum due. Based on this guidance, I made the payment as instructed. 

Despite following these instructions, my account was charged {$1000.00} in fees and interest the next day, and an additional {$95.00} later. 

On XX/XX/XXXX, I contacted customer support again to dispute the charges, but the representative refused to let me escalate the issue to a supervisor. I reached out to a different customer support line and was eventually escalated to a supervisor. The supervisor defended the original representative, stating that I should have asked specifically about the interest charge instead of asking, if I had anything else I need to pay. 

The issue was then further escalated to a manager, who refused to reimburse any of the fees or interest. I have also attempted to reach out via email, but have not received a response.

I requested copies of the call recordings and account notes from my interactions with customer service to verify that I was given incorrect payment guidance, but the company did not provide them. 

These fees and interest resulted directly from the incorrect guidance given by CareCredit representatives. I am requesting a correction of the account, including reversal of the fees and interest that were incorrectly applied.

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 2026-01-22 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: NJ

Complaint narrative:
I am submitting a dispute for the following inquiries reported by TransUnion, as these inquiries were not authorized or are otherwise incorrect : XXXX XXXX Date : XX/XX/XXXX Reason for Dispute : This inquiry was unauthorized, and I did not apply for credit with this institution. 

XXXX XXXX  Date : XX/XX/XXXX Reason for Dispute : This inquiry was unauthorized, and I did not apply for credit with this institution. 

Late Payment I am submitting a dispute for the following late payment reported by TransUnion, as it is inaccurate : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason for Dispute : The late payment reported on this account is incorrect, and I request a correction of the status.

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 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: WA

Complaint narrative:
I am submitting this statement to formally dispute a negative collection account reported on my TransUnion, Experian and Equifax credit reports by XXXX XXXX XXXX ( XXXX, Georgia ), allegedly on behalf of XXXX XXXX XXXX, XXXX, Washington. 

Beginning in XX/XX/year> through late fall XXXX, I was a documented victim of XXXX  XXXX while residing at XXXX XXXX XXXX. During this period, law enforcement was repeatedly involved, including XXXX calls, police reports, and criminal charges filed against the offender, who broke into my apartment. The matter resulted in an official case number through the XXXX, Washington courts. I was forced to leave the apartment out of fear for my life. 

All required documentationincluding notice of domestic XXXX and supporting recordswas provided to the apartment complexs management at that time. Despite this, the property proceeded to take me to court, which resulted in my displacement and ultimately led to this collection being reported. 

Under Washington State law ( RCW 59.18.575 ), victims of domestic XXXX, XXXX XXXX, stalking, or harassment have the legal right to terminate a lease early without penalty, provided written notice and qualifying documentation are supplied within 90 days of the incident. Victims are responsible only for rent through the date of move-out and for damages beyond normal wear and tear. Any remaining lease balance, penalties, or collections related to early termination are unlawful. 

The collection account reported by XXXX XXXX XXXX is therefore invalid, inaccurate, and legally unenforceable, as it arises directly from a lease termination that was protected by Washington statute. 

On [ XXXX, I contacted XXXX XXXX XXXX and was advised that I must personally obtain police and court records to support my claim. These records already exist, were previously provided to the landlord, and are part of official public and court records. Requiring a domestic XXXX XXXX  to repeatedly relive trauma and re-collect records to justify a legally protected action is unreasonable and inconsistent with consumer protection laws.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
b'I have subsidized grad loans that are being handled by EdFinancial. I have made attempts in the past and now to submit payments, but they end up reversing them even though I do have sufficient funds in my checking account. XXXX Payment of XXXX: Payment of XXXX reversed\n^after this payment reversal I called my bank and there were not attempts by EdFinancial to pull this amountXXXX: Payment of XXXX: Payment of XXXXXXXX  reversed\n^I kept checking my bank account and there was not amount attempted to be pulled from EdFinancial'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding a medical financing account with XXXX XXXX. The retroactive/deferred interest was assessed to my account in XX/XX/year>, c

ausing my balance to increase suddenly and significantly. I do not speak English fluently, and the financing terms were never explained to me in XXXX. The application was completed with assistance from the medical clinic staff, and I did not fully understand that if the balance was not paid in full by the promotional deadline, all interest would be added retroactively. 

I made regular payments in good faith, and there was no intention to avoid payment. However, due to the sudden increase caused by retroactive interest and additional fees, I was forced to enter a hardship plan and the account was closed. This hardship plan was a direct result of the unexpected interest assessment.

I am requesting the following remedies : 1. Review and removal or adjustment of the retroactive interest charges 2. Correction of the account balance to reflect the actual amount owed 3. Refund or removal of any fees that were not clearly disclosed 4. Written confirmation and a corrected statement The misunderstanding was caused by a language barrier, lack of clear disclosure, and the nature of deferred interest medical financing. I respectfully request a review and fair resolution of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 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: AR

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX handling of transactions on my account that involved illegal or prohibited online casino and wagering activity but were consistently categorized as ordinary consumer purchases. This systematic miscategorization misrepresented the true nature of the transactions and interfered with accurate account monitoring. 

Each disputed transaction was posted under benign consumer categories such as XXXX, XXXX XXXX, or similar retail classifications, despite the underlying merchants operating illegal or unlicensed online casino or wagering platforms. These categories were materially inaccurate and misleading, obscuring the true nature and risk of the transactions. 

XXXX XXXX relied on these incorrect categories during the dispute process to deny or limit investigations, treating the charges as legitimate consumer purchases rather than evaluating the true nature and legality of the underlying activity. As a result, dispute investigations were neither reasonable nor complete. 

An attached exhibit documents each disputed transaction, the merchant involved, the category assigned by XXXX XXXX, and why that category is inaccurate and deceptive. The miscategorization was not isolated but occurred repeatedly across multiple merchants and transactions, indicating a systemic failure in transaction classification and dispute review. 

I am requesting CFPB review of whether XXXX XXXX transaction categorization and dispute practices constitute unfair or deceptive acts or practices and whether corrective and remedial action is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: NY

Complaint narrative:
This engagement represented the first, and ultimately only, work completed under our LLC. The client initially indicated the potential for a longer-term contract as the original work was not governed by a formal contract ; however, following completion of the initial scope of work, the client opted not to move forward into the next phase. We sent an invoice for the first phase of work and payment was subsequently issued for the services provided. 

We opened a business account with XXXX XXXX for a legitimate LLC created for a single consulting engagement. XXXX services were provided in XX/XX/year> to XXXX. XXXX was issued by the client via check. Due to an IRS delay of approximately XXXX months in updating our XXXX to correctly match the approved XXXX name, the original check had to be voided. Once the XXXX update was complete, I worked directly with the client to obtain a reissued check. All documentation supporting the legitimacy of the business, services performed, and payment has been provided to XXXX. 

Shortly thereafter, XXXX initiated a compliance review and requested documentation to link the check issuer to our business. Over the course of several weeks, XXXX repeatedly requested additional materials, including issuer contact information, confirmation of services rendered, and copies of email and text correspondences. Each request was responded to, and documentation was provided through the submission methods specified by XXXX, including multiple secure upload links. 

Despite providing the requested materials, the account was placed on hold and later locked, with automated notices citing either lack of response or insufficient documentation despite the documented back-and-forth and confirmations that files had been uploaded. XXXX continued to request revised formats of previously submitted materials ( e.g., true PDFs exported directly from email ), issuer phone numbers, and additional clarification, all of which we attempted to address in good faith. 

At no point was a definitive list of final requirements provided, nor was there confirmation that previously submitted documentation was sufficient to complete the review. Ultimately, XXXX informed us that the account closure decision was final, that no further documentation would be reviewed, and that no explanation could be provided leaving the reissued check unresolved and preventing us from depositing legitimate funds or formally closing the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Lil' Wave Financial, Inc.
State: SC

Complaint narrative:
I purchase a property in XX/XX/XXXX with a loan at a XXXX XXXX XXXX, principal balance around {$240.00}. sold the property in XX/XX/XXXX. All calculation of the monthly cost are incorrect, all monthly charges do not match XXXX XXXX XXXX. They also precharge me for XX/XX/XXXX at closing, then stated the interest are due arrears but charge me again in XXXX for XXXX. Same at closing in XX/XX/XXXX, interest payment paid on the XXXX of XXXX, they make the payment disappear at closing on XX/XX/XXXX, and charge me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
We wired our mortgage payoff to Rocket Mortgage and called every day and nobody told us anything for 8 days until we escalated this to the executive office. XXXX at the executive office tells us they have no fault in this matter and was not helpful in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENTS BEING REPORTED ARE INACCURATE. I HAVE NEVER BEEN LATE ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: CA

Complaint narrative:
( XXXX  ) They asked for all my documents which I did and they keep sending me the same email that they need those same documents I have sent them to them like 5 times already its getting frustrating ridiculous I cant get access to my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
When this account was opened it was put on autopay with our usual checking account. When the XXXX  bill came due it came back as insufficient funds. I checked the autopay and it had an account at XXXX XXXX  ( never heard of it ) in the autopay slot. I changed this to our regular checking account and then made a XXXX time payment. Then the next month it also came back as insufficient funds. Checked the autopay and it had XXXX XXXX  in this place again. They say I did not change this but just made a XXXX time payment. This is not true because I made the change to autopay and then made a XXXX time payment later. I had brought this to their attention and they said it was my fault and I just made a XXXX time payment. So I let this go reluctantly, and made a payment, made sure the autopay was on our checking account. They sent me an email on XX/XX/XXXX and said that they were changing out autopay amount to {$220.00}. It had previously been set up for {$1100.00}. I disputed this and said that the payment of {$970.00} was from the previous month. They would not change it! Then on XX/XX/XXXX they took a payment of {$220.00} and charged XXXX interest on {$970.00} because I did not get the extra payment that they should have taken out on autopay in quickly enough. I want my interest back, we alway pay the balance on our credit cards. They will not listen to me about this. Especially because I pointed this out to them and they could not be bothered to fix it.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am disputing the above-referenced account and requesting full debt validation. I do not recall receiving proper verification that this debt is accurate, complete, and legally enforceable. Despite this, the account has been reported to consumer reporting agencies. I have not been provided with documentation such as the original agreement, a complete payment history, proof of ownership of the debt, or an explanation of how the balance was calculated. Reporting this account without validating the debt has caused harm to my credit profile.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I received a notification from my bank indicating that funds had been deducted from my debit card by Affirm. I do have a legitimate Affirm account and I never received or activated a card or a virtual card with affirm. my debit card is linked for regular payments that I recognize. However, the charges in question were not authorized by me. 
After contacting Affirm, I was informed that two loans were created fraudulently using my Affirm account : XXXX purchase totaling {$690.00} XXXX XXXX  purchase totaling {$770.00} Affirm advised me that these transactions were made using a different phone number and email address and a different mailing address than the ones I originally registered with, and that someone had called Affirm and changed my account details without my authorization. 
I subsequently completed identity verification with Affirm, regained control of my account, and removed the fraudulent phone number and email address, restoring my original information. 
I did not authorize, approve, or benefit from these loans, and I did not make these purchases. These transactions are the result of account takeover and identity fraud. 
Despite reaching out to Affirm to dispute these two loans, the charges have not been removed, and the dispute has not been resolved. 
I am formally requesting that : The XXXX ( {$690.00} ) and XXXX XXXX ( {$770.00} ) loans be removed from my account Any associated charges be refunded Written confirmation that I am not responsible for these fraudulent transactions Please treat this as an official fraud dispute. I am willing to provide any additional documentation required to resolve this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Referencing Prior Complaint with CFPB : COMPLAINT ID XXXX Received new letter from Synchrony Bank dated XX/XX/XXXX that XXXX XXXX account is still open. Their canned template response to prior complaint did not explain why these accounts in good standing were closed. 
Synchrony Bank closed my Lowe 's account that had a XXXX XXXXXXXX credit limit and XXXX balance on XX/XX/XXXX. I was not given any warning. I called and have been getting the run around ever since. My Lowe 's card was taken over by Synchrony Bank in XX/XX/XXXX XXXX  On XX/XX/XXXX, XXXX they initially lowered my credit limit from {$9000.00} to {$1500.00}, I immediately had it increased to XXXX XXXXXXXX. IT HAD A XXXX BALANCE AND WAS IN GOOD STANDING!!! This wrecked massive damage on my credit score because this was a long-term account and 100 % available amount. Synchrony Bank then lowered the credit limit of my XXXX XXXX card from {$8800.00} to {$4400.00} on XX/XX/XXXXXXXX  This caused another massive hit and once again lowered my credit score has my utilization score went from 51 % to 99 %! I have had this card since XXXX Then they closed my XXXX XXXX account on XX/XX/XXXX. This has caused another massive hit on my utilization score and longevity WHICH THEY HAVE CAUSED!!!!!! Synchrony Bank closed my XXXX XXXX XXXX on XX/XX/XXXX that has a {$4000.00} credit limit and a {$600.00} balance. I use this account to pay for any and all car repairs! This lowered my credit score again! Again, my credit score took a massive hit as this was also a long-term account. They never contacted me to ask about it, all off these accounts were taken over by Synchrony Bank : I can't even pay these companies directly!!!!! THIS HAS TO STOP!!! I am scared that without warning ; they will close my Care Credit which I use for medical and dental care. THEY CAUSED MY CREDIT SCORES TO DECREASE BY CLOSING THES E ACCOUNTS and one excuse given was because I don't have a mortgage. Did they bother to ask why I don't have a mortgage? NO!!!!! It is because I live with my fianc who has the house under a XXXX 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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Aldous & Associates is attempting to collect and/or report a balance that I believe is inaccurate. The amount they claim I owe does not appear to properly reflect the true balance, and I have not been provided with a clear and complete explanation or validation of how this amount was calculated. 

I am disputing the accuracy of the balance, including any fees, interest, or charges that may have been added without proper justification. Despite my concerns, Aldous & Associates continues collection efforts and/or credit reporting without correcting or adequately explaining the balance. 

This inaccurate balance is negatively impacting my credit and causing financial harm. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Aldous & Associates provide proper validation of the debt and correct any inaccurate reporting.

Company response to consumer: Closed with explanation