vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've been with Capital One for several years ( since XXXX ) and I have XXXX credit cards with them. Throughout all these years, I've always paid my balance in full and on time on all cards. Last month, on XX/XX/XXXX statement, they charged me supposed interest because the payment was late and didn't go through their billing cycle according to them si explained that never was my intention to pay late. I called them and asked if they could please waive the charge, since I've never paid late and it was the first time in years they'd charged me interest. I called and asked each of the different people they transferred me to during the first call. I begged them, since they could see I'd never missed a full monthly payment. But according to them, no one could remove the interest. This XXXX statement again, they charged me the same interest because it rolls over even if my payment is into the cycle this time. I called them again, and they explained it with so much nonsense and jargon that I didn't understand a thing. They told me the only solution to stop the interest was to pay the entire balance and close the account. And now, that's exactly what I'm going to do : pay off my credit cards and deactivate them. I couldn't believe they couldn't help me with that after so many years without any late payments and never paying even the minimum, always paying, even more than the total due. I'll look for credit with other companies. Capital One disappointed me after so many years of paying on time and in full. The interest wasnt that high {$13.00} for XXXX and {$11.00} for XXXX thats why I was expecting them to help with that, since Ive been doing my payments on time during all these years doesnt matter the quantity of the full balance to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/year> -- {$650.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding a credit account opened in my name with American Express. I did not authorize the creation of this account, nor have I ever applied for credit with American Express. This account has been fraudulently opened under my name, and it is negatively affecting my credit report. 

XXXX credit account was opened in my name without my knowledge or consent. 
* I have not applied for any credit with American Express and have not authorized anyone to do so on my behalf. 
* This fraudulent account has been reported to American Express and the credit reporting agencies, but it continues to appear on my credit report. 
* I request immediate removal of this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
I purchased my home on XX/XX/XXXX. NewRez took over servicing on XX/XX/XXXX. The flood determination at closing clearly shows my home is not located in a XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, NewRez issued a letter claiming my property was in a flood zone and that I had 45 days to obtain coverage. The letter did not arrive until XX/XX/XXXX. On XX/XX/XXXX, they sent a second letter falsely stating I had been notified a month ago. I immediately purchased private flood insurance for $ XXXXyear and submitted proof twice ; my insurance agent also submitted it. 

Despite receiving valid coverage, NewRez force-placed a flood policy on XX/XX/XXXX and withdrew {$920.00} from my escrow without authorization, creating a shortage and increasing my monthly payment. When questioned, they claimed they never received my insurance documentation, refunded only {$140.00}, and said the remaining amount was to cover previous monthsmonths when they had never informed me that insurance was required. 

I contacted my original lender and confirmed the property is not in a flood zone. FEMA maps show only a distant portion of the acreage is flood-designated, not the home. When I presented this evidence, NewRez changed their explanation and falsely stated we were recently audited by FEMA. After escalation, a manager admitted NewRez made a mistake, yet they are still attempting to raise my monthly payment based on the force-placed policy.

This appears to be improper force-placement, failure to acknowledge proof of insurance, misuse of escrow funds, and deceptive communication. These actions have caused financial harm and unnecessary distress.

I am requesting full reimbursement of all force-placed charges, correction of my escrow balance, restoration of the proper monthly payment, and written confirmation that flood insurance is not required. After all this is complete I request a third party audit that newrez pays for. After the audit I demand they sell my loan immediately so I don't have to be associated with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
No response was sent and the Citicard continued to submit false report to credit bureaus damaging my credit.

They refuse to produce statements of the collateral account, derivatives and investments made by them in my behalf.

I have hard evidence of CITIBANK N.A filing forms 1120-S, 1042 in my behalf and making Federal tax deposits into an account created with the U.S TREASURY for their benefit and that of a Foreign Trust. I even have the XXXX E.I.N for that Trust and Trustee information.

CITIBANK N.A has been USURPING and tampering with MY POWER OF ATTORNEY at the I.R.S level and stealing my identity.

I did not authorize those transactions when I provided form SSA-89.

All of the profits they have made using my information without my authorization belong to me in Equity.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
My credit reports indicates that I am pass due on payments in which I am currently enrolled in school and on forbearance. No payments are due at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/2025, I contacted Synchrony to get an update on the interest free period. I was told that period had expired in XXXX and that there was a 30 day grace period that I had also missed and was not even aware of it. I informed them that I never gained online access for the account nor did I have a hard copy of the credit card which I just requested a copy on XX/XX/2025 so that I could have the full card number. I filed a dispute because I told them that I did not receive notification of the introductory period ending. They told me that it was on my statement which I never had access to. 
Synchrony should make specific and targeted efforts to notify card holders when this introductory period ends. My balance jumped from ~ {$4500.00} to over ~ {$6000.00} in one month. This is predatory. When I initially tried to gain online access for this account specifically, it was so challenging that resulted in only making payments via the phone. I previously had access to other accounts through rooms to go and lowes, but for some reason, gaining access to this account was challenging.

If a long standing customer ask for consideration to pay the card in full. They should be able to make that accommodation.

In an effort to protect consumers from these predatory practices, Synchrony should make additional efforts to notify consumers when this introductory period ends. They should send mailers, text, and email to exhaust all efforts. This was an oversight on my part, but there should have been better and DIRECT notification to me via email or print SPECIFICALLY that this period was ending.

I will pay this account in full and have closed it. However, I would like consideration for the interest payments to be returned to me.

I don't have the card information because I don't have a card. My phone number is 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 monetary relief
Consumer complaint received 2025-11-29 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: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX5 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint because PayPal denied my dispute regarding more than 100 unauthorized XXXX XXXX charges on my PayPal account totaling {$1000.00}. These transactions occurred between XX/XX/XXXX and XX/XX/XXXX and do not reflect my actual spending behavior. I did not authorize these individual charges, and I did not receive or use any associated products or services.

PayPal denied my dispute twice, claiming the transactions were authorized simply because I had prior XXXXe purchases in the past. However, stored payment information does not equal authorization for repeated, excessive, or automated charges. PayPal failed to investigate these transactions as unauthorized merchant billing or a billing error, which is required under the Electronic Fund Transfer Act ( EFTA ). No effort was made to verify device activity, IP address, or merchant billing behavior.

To support my complaint, I am submitting a combined evidence packet with Exhibits A, B, and C : Exhibit A Complete XXXX XXXX Charge Log This exhibit provides a full list of all XXXX XXXX XXXX transactions taken from my PayPal account. Each entry includes the date, amount, and transaction ID exactly as listed in PayPals Resolution Center case XXXX . This log shows how frequent and excessive these charges became, far beyond the scope of normal or expected activity. 
Exhibit B High-Value Unauthorized Charges ( {$20.00} and AbovXXXX ) This exhibit highlights the largest and most financially damaging charges. These high-value transactions are not consistent with my legitimate XXXX spending patterns and should have triggered a fraud or unauthorized-billing review by PayPal. The amounts and frequency demonstrate that these charges were not normal or intentional purchases.

Exhibit C Clustered Same-Day Charges This exhibit shows days where multiple XXXX charges were taken within hours of one another. I would never make multiple separate XXXX purchases on the same day, especially in repetitive patterns with similar amounts. This clustering behavior is a known fraud indicator and strongly suggests repeated automated billing without my consent. 
PayPal repeatedly dismissed my disputes without obtaining or sharing verification such as device identifiers, IP addresses, authorization logs, or evidence of actual user-initiated purchase activity. Because PayPal failed to properly classify and investigate my dispute, I am requesting CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Larry H. Miller Group of Companies
State: MD

Complaint narrative:
My vehicle was repossessed by Prestige Financial without proper notice, even though I had active automatic biweekly payments set up. I did not receive any legally required pre-repossession or post-repossession notices within 5 days. I was never told the vehicle was at risk, and my payments were accepted but applied only to interest, not principal, which made me appear more behind than I actually was. 

In XXXX and XXXX, I contacted the company multiple times to request payment arrangements and more time. I sent emails explaining that my payments were being rejected by my bank and that I needed until a specific date to resolve it. Prestige did not respond to these communications and later claimed they could not contact me due to a cease and desist, which I never submitted or authorized. This prevented me from receiving notices or any warning before the repossession.

After the repossession, the company refused to tell me where my vehicle was located. They stated they can not state where the vehicle is until paid current, which is unlawful. I have personal belongings inside the vehicle, and they have refused multiple times to give me the location or instructions to retrieve my property. Maryland and federal law require the lender to disclose the storage location and allow retrieval of personal property regardless of payment status.

I also requested reinstatement terms, payment extension options, a breakdown of my account history, and written confirmation of fees. Prestige refused to provide any of this information. Instead, they only provided verbal or text statements and refused to send anything in writing.

Prestige Financial ignored my attempts to resolve the delinquency, applied payments only to interest, failed to communicate extension options, provided no required notices, wrongfully repossessed the vehicle, falsely claimed a cease and desist existed, and is withholding the vehicles location and my belongings. I am requesting the CFPB investigate these violations, require the company to provide all required notices, provide the vehicle location immediately, release my personal property, and review the legality of the repossession and account handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I purchased a cellular phone case from XXXX XXXX with a pay in four installment loan through Affirm. The item is defective. I immediately contacted the merchant to request a return authorization, but they did not comply. I subsequently opened a dispute with Affirm to request intervention. After the dispute was filed, the merchant informed me that they would no longer cooperate with me if I did not close the dispute. I declined to close the dispute given that there were multiple XXXX  reviews indicating that the merchant had questionable ethics and a poor track record with customer service, specifically non-resolution. I submitted photographic and video evidence of the defects to the merchant. I also submitted email records of repeated requests for a return authorization and address to Affirm. When I logged into my Affirm account today, I discovered that the dispute was decided in favor of the merchant without explanation and my account balance reflects past due. I requested to review the case documents, but have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: VA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
This letter serves as my formal dispute and request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am writing in response to your communication regarding the abovereferenced alleged debt. I dispute this debt in its entirety ( or, if applicable, I dispute the amount you claim is owed ) and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide, in writing : The name and mailing address of the original creditor and any subsequent owners of the debt.

The full amount of the alleged debt, including an itemization showing principal, interest, fees, and any other charges.

Copies of any contract, agreement, or other documents bearing my signature that allegedly create this obligation.

The date the debt became delinquent and the date of any chargeoff.

Proof that you have the legal right to collect this debt, including any assignment or transfer documents.

Until you provide the above documentation, and while this debt remains in dispute, you must cease all collection activities on this account, including phone calls, letters, and any negative reporting or further reporting to credit bureaus regarding the disputed amount.

If you can not provide adequate validation, or if you continue collection activities without providing validation, this may constitute a violation of federal law, and I will consider filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the appropriate state authorities.

This letter is not a refusal to pay but I have no recollection of this account and/or claim and seek that the validation.

Company response to consumer: Closed with non-monetary relief