vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I owed a balance of approximately {$1100.00}. On XX/XX/XXXX, I was charged interest in the amount of {$2100.00}. Between XX/XX/XXXX and XX/XX/XXXX, I spoke with the company and they agreed to waive the interest if I paid off the the balance by XX/XX/XXXX. On XX/XX/XXXX, I paid off the balance in the amount of {$1100.00}. The interest charge was waived immediately. On XX/XX/XXXX, I was charged interest in the amount of {$58.00}. On XX/XX/XXXX, I was charged a late fee interest the amount of {$41.00}. On XX/XX/XXXX, I received a text message informing me that I owed a balance. I reached out to the company and was informed that I was still being charged interest and would continue to be charged interest. I asked for a waiver of the interest. They denied my request and informed me that I would continue to be charged interest next month.

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 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MN

Complaint narrative:
A company I have never had business with and I don't know who they are. They are sitting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, around noon, I visited the XXXX XXXX store located at XXXX XXXX XXXX, XXXX, NC XXXX, to trade in my old XXXX and purchase a new one. After the trade-in process, the cashier provided me with a gift card and asked if I wanted cashback. I asked if the cashback would go into my account, and she said yes, promising a 10 % cashback and a 12-month interest-free financing option. At no point did she mention that this was a credit card application. She asked for my phone number, address, and name, and then prompted me to enter my Social Security Number ( SSN ). I immediately questioned why an SSN was needed, expressing deep concern that this would trigger a hard inquiry and negatively impact my credit score, which I need to protect for future loans. The associate explicitly lied to me, stating, " Don't worry, this is only a soft pull and will not affect your credit score. '' Trusting her statement, I entered the SSN. However, the screen then prompted me to select a credit card type. I realized I was being deceived and immediately stated, " This is a credit card application. I do not select any card, and I cancel this process. '' The store manager was called over but refused to cancel it, claiming, " Since you didn't select a card, I can not cancel it in the system. You have to call the bank. '' I tried to go back in the system, but it failed, forcing me to complete the process on the screen. The manager then directed me to another cashier to check out, claiming I could still use the financing just by providing my phone number. I strictly refused and insisted on paying the full amount using my own personal debit/credit card, declining any Best Buy financing. I received absolutely no email notifications regarding a new account over the following week. However, two days ago, a physical Best Buy credit card arrived in my mail. This is a clear case of fraudulent misrepresentation, deceptive sales tactics, and unauthorized account opening. I was explicitly lied to about the nature of the transaction and the type of credit inquiry. I am requesting that Citibank immediately investigate this store 's practices, close this fraudulent account, ensure zero fees are charged, and mandate all major credit bureaus to completely remove the unauthorized hard inquiry from my credit history.

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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
On XX/XX/XXXX I went to the XXXX XXXX XXXX Global Credit Union to make a payment on our vehicle loan. ( Side note, the reason I have to make my payments in person is because their online banking is so inferior that I have given up trying to use it. ) I presented a check from our joint account at XXXX XXXX, a local check, for the exact amount of the regular payment. It took the teller longer than usual to process the transaction, but I just figured she was new. She handed me my receipt and I was on my way. After returning home I was going to throw the receipt away. I took it out of my pocket and just happened to notice before I tossed it in the trash that on the receipt it says Check hold release XX/XX/XXXX due to type of check ( s ). Additionally, below this there was another line that stated Amount {$600.00}. This implies that the entire amount of the check was held, disregarding the amount that Reg CC requires be made available in a standard hold. I was not notified by the teller that there was any type of hold placed on my check. Nor was I provided with a written hold notice, as required by Reg CC. This is the third time this has happened in the last few months. These are regulatory violations, and this behavior is unacceptable. I have had various loans with this institution since XXXX and have made most of my payments by check because of their awful online banking. I have never had a late payment, and I have never had a check returned. There is no justification for such a hold, and even if a hold were warranted, it is unacceptable for this institution to not comply with regulatory requirements. Upon discovering this hold I called the XXXX number for Globals customer service center. Once I explained the situation to the agent she informed me she needed to take it to a higher-up. After a lengthy hold, she returned and informed me that I would need to return to the branch. I informed her that I was not able to return to the branch as I needed to head to the airport to depart for a business trip. Also, I told the agent I didnt feel I should have to return to the branch as there was no error on my part. She put me on hold again, and after another lengthy wait she returned to tell me there was nothing they could do over the phone but they would have the local branch manager call me. I never received such a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Momnt Technologies, Inc.
State: FL

Complaint narrative:
am submitting this complaint regarding a residential pool construction project financed through Momnt on behalf of XXXX XXXX XXXX. In XX/XX/year>, I entered into a financing agreement for approximately {$46000.00} related to the construction of a swimming pool at my residence in XXXX, Florida. The loan proceeds were disbursed directly to the contractor/merchant associated with the project. Despite the substantial disbursement of funds and the fact that I have fully paid and satisfied the loan obligation, the underlying construction project remains materially incomplete nearly two years later. The contractor has repeatedly failed to complete the work within the promised timelines, failed to provide meaningful progress updates or completion schedules, and has demonstrated ongoing lack of performance. The project has experienced extensive delays, prolonged inactivity, and apparent abandonment periods. Additionally, a subcontractor involved in the project filed a construction lien against my property due to nonpayment. In order to protect my property and prevent further title complications, I was forced to personally pay the subcontractor lien out of pocket, despite already having financed and paid substantial amounts toward the project. I have also incurred additional costs beyond the original financing agreement in an attempt to keep the project moving forward. Even after these additional payments, the project remains unfinished. Given the circumstances, I am requesting a formal review and investigation into the financing disbursement process, including : - The basis for releasing funds to the contractor - Any inspection, draw approval, or project verification procedures utilized prior to disbursement - Any merchant oversight or contractor monitoring associated with this financing arrangement - Any available consumer protections or dispute resolution procedures applicable to materially incomplete contracted work I believe the handling of this financed transaction failed to adequately protect the consumer despite substantial funds being disbursed for a project that remains significantly incomplete. I am currently documenting all damages, communications, delays, payments, lien documentation, and regulatory complaints associated with this matter, including an active complaint filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I respectfully request that this matter be formally reviewed and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint regarding PayPal Credit/Synchronys handling of disputed recurring charges from a merchant identified as XXXX XXXX. The charges began with small transactions and later escalated into recurring monthly charges billed to my PayPal Credit account : * XX/XX/year> {$0.00} * XX/XX/year> {$0.00} * XX/XX/year> {$29.00} * XXXX XXXX, 2026 {$29.00} * XXXX XXXX, 2026 Pending authorization {$31.00} I disputed these charges because I do not recall knowingly consenting to or understanding that I was enrolling in a recurring subscription service with this merchant. During my communication with PayPal Credit, I was informed that there was some type of authorization or agreement connected to the merchant. However, I was unable to view this alleged authorization myself within my PayPal account. Representatives advised that only PayPal could see this information internally. Despite my concerns, my dispute was denied without a meaningful explanation. I was not provided documentation showing : * when or how authorization was allegedly given, * the terms of the recurring billing agreement, * or evidence demonstrating informed consent to recurring monthly charges. I also do not believe I was given a fair opportunity to provide supporting documentation or challenge the merchants claims. As a longtime PayPal customer, I am extremely disappointed by the lack of transparency surrounding both the recurring charges and the dispute investigation process. I am requesting : 1. A formal reconsideration and review of my dispute 2. A detailed written explanation for the denial decision 3. Documentation showing the alleged authorization or recurring billing agreement 4. Assurance that no future charges from this merchant will be permitted 5. Appropriate reimbursement or relief if the investigation determines the charges were improperly authorized or inadequately disclosed I have retained screenshots and billing records related to these transactions.

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 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This mortgage account was paid in full and closed over a year ago with a {$0.00} balance. The reported late payments are inaccurate. I previously disputed this information, and the furnisher failed to properly correct the reporting. I am requesting immediate correction or deletion of all inaccurate late payment history under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I am filing this complaint because this company is attempting to collect a debt that I do not legally owe due to identity theft. I never authorized or opened the account associated with this alleged debt, and the information being reported and collected is inaccurate and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Vehicle - XXXX XXXX XXXX XXXX Account # Ending In - XXXX To Whom It May Concern, I am writing to formally dispute the repossession of my vehicle and the reporting associated with my account. Prior to the repossession, I had communicated with your company and made payment arrangements in good faith regarding my account. Despite these arrangements, my vehicle was repossessed without what I believe was proper notice or fair opportunity to resolve the matter. Additionally, I became aware of extra fees and charges being added to my account that were not properly disclosed or explained to me. I dispute the accuracy and legitimacy of these fees and request a full accounting of all amounts charged to my account. I also believe there were serious issues regarding communication from your company, including inconsistent or improper communication concerning my account status, payment arrangements, and repossession activity. Further, the circumstances surrounding the repossession may constitute a breach of peace under applicable law and UCC 9-609. The repossession process caused unnecessary distress and was not handled appropriately. Because of these issues, I formally dispute : * the repossession itself ; * the balance claimed on the account; * any fees added without proper notice or explanation ; and * any negative credit reporting related to this matter. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act where applicable, UCC Article 9, and applicable New Jersey consumer protection laws, I request the following : 1. A complete payment and fee history on my account ; 2. Copies of all notices sent before and after repossession ; 3. Verification of the alleged default ; 4. Documentation of all payment arrangements discussed or agreed upon ; 5. Immediate investigation of any inaccurate credit reporting ; 6. Preservation of all recordings, account notes, and repossession records related to this matter. Please treat this correspondence as a formal dispute and provide a written response within 15 days. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX failed to properly investigate repeated fraud concerns that I reported for months and instead sent the account to collections. I repeatedly explained to XXXX XXXX that I was going through a traumatic divorce situation involving concerns about unauthorized access to my accounts, phone information, and financial information. I notified them multiple times by phone and through written letters beginning in approximately XX/XX/year>. Despite this, I feel my concerns were ignored and dismissed simply because the account had my name associated with it. One of the biggest red flags that XXXX XXXX ignored was that payments totaling approximately {$27000.00} were taken from an account belonging to someone else. I was not personally making these payments, and I explained that to them. Instead of recognizing this as suspicious activity requiring investigation, they continued treating the debt as valid without meaningfully addressing how another persons account was being used for payment activity connected to these accounts. XXXX XXXX also failed to recognize or address other suspicious account activity, including multiple XXXX XXXX accounts connected to my name, despite my repeated explanations that I believed unauthorized access and misuse may have occurred during my divorce situation. I repeatedly attempted to communicate with XXXX XXXX, but I felt harassed rather than helped. My calls, letters, and fraud concerns were not properly addressed, and I eventually stopped engaging by phone because I felt completely ignored and retraumatized every time I tried to explain the situation. Now, despite months of disputes and fraud complaints, XXXX XXXX has escalated the matter to collections instead of properly investigating the concerns I raised. I am requesting that this matter be formally reviewed, including review of my prior disputes, letters, payment activity, and call history. I also request that collection activity and inaccurate credit reporting related to this disputed account be addressed while the investigation is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a formal complaint against Capital One for unfairly and inaccurately reporting two of my credit card accounts as active " Charge-Offs '' on my credit reports. The negative reporting across both accounts is flawed and stems entirely from Capital Ones internal administrative actions, which actively blocked me from making my payments on time. Account Details for Investigation : - Account 1 Number ending in XXXX ( Date of First Delinquency : XX/XX/year> ) - Account 2 Number ending in XXXX ( Date of First Delinquency : XX/XX/year> ) The Facts of My Case : 1. Complete Online Lockout : Capital One suddenly restricted and disabled my online digital access for both credit cards simultaneously without any prior warning or justification. I was left with absolutely no digital channel to view my balances, track due dates, or submit routine payments. 2. Refusal of Guidance During Review : When I repeatedly called Capital Ones customer service line to resolve the technical lockout and restore my access, the agents informed me that both accounts were placed under an internal " review. '' They flatly refused to assist me in re-enabling my accounts or provide any alternative, clear guidelines on how to process my payments. 3. Severe Medical Hardship : During this exact and highly stressful timeframe ( XXXX and XX/XX/year> ), I suffered a severe XXXX illness and was hospitalized for nearly 3 months. I was physically incapacitated and unable to resolve this administrative hurdle. 4. Good Faith Full Payments : Immediately upon recovering and being discharged, I took the personal initiative to call Capital One to completely settle both accounts. Even then, the representative forced me to process the payments strictly over the phone while remaining on hold, which I willingly completed to fulfill my debt obligation. Inaccuracies and Violations on My Credit Report : While Capital One has noted " PAID CHARGE OFF '' under the comments section and updated the final balances to {$0.00}, they are failing to report accurately under federal fair credit reporting guidelines, causing conflicting data : - On both accounts ( XXXX and XXXX ), the " Date of Last Activity '' is left completely blank intentionally hiding the exact dates of my full, good-faith phone payments. - Furthermore, the main " Account Status '' fields still erroneously flash an active, highly damaging " CHARGE_OFF '' instead of reflecting a corrected, resolved status, severely dragging down my credit profile. Requested Resolution : Because my delinquency was directly engineered by Capital One 's sudden online system lockout, combined with a verified, severe medical emergency, I request that Capital One completely delete and remove the derogatory " Charge-Off '' marks from both accounts across all three major credit bureaus ( XXXX XXXX XXXX ) .

Company response to consumer: Closed with explanation