vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Subject : Emergency Account Closure Without Warning Bank of America XXXX XXXX Credit Card ( 6-Year Tenure ) Description of Incident : I am writing to formally dispute the automated, immediate closure of my Atmos Rewards credit card account by [ Bank of America ] XXXX XXXX XXXX XXXX XXXX. I have been a loyal cardholder for 6 years, maintaining an established payment history. Recently, my account experienced a returned payment. I recognize there was XXXX other isolated incident over my entire 6-year history with this card, but two accidental instances over more than half a decade do not constitute intentional risk or fraud. Bank of Americas automated risk system closed my account instantly without notifying me beforehand or offering a warning period. This extreme action left me stranded at a gas station with a deactivated card, completely cutting off my access to expected funds and placing me in a hazardous financial emergency. Shutting down a long-standing account over an isolated administrative errorwithout evaluating my overall 6-year historyis a punitive and disproportionate response.

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 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year>, I financed an HVAC replacement through Synchrony Bank for approximately {$8000.00}. At XXXX XXXX of sale, I was verbally told that the financing was interest-free. It was not clearly disclosed to me that this was deferred interest that would accrue in the background and be retroactively applied if the balance was not paid in full by the end of the promotional period. After the promotional period ended, Synchrony Bank added approximately {$4000.00} in retroactive interest to my account. This came as a surprise and caused financial harm. Had the deferred-interest structure been clearly explained, I would not have agreed to the financing under those terms. I contacted Synchrony Bank by phone to dispute the retroactive interest and request a goodwill adjustment. I was told that I could not dispute the charge due to an internal XXXX rule and that no supervisor was available to escalate the issue. I was also told it was impossible to receive written confirmation of the discussion unless I switched to paperless billing. I believe the promotional financing was misrepresented as interest-free and that the deferred-interest terms were not adequately disclosed in a clear and understandable manner. I am requesting that Synchrony Bank conduct a goodwill review and remove or reduce the retroactively applied interest. My account is currently in good standing, and I am seeking a fair resolution without damage to my credit.

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 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding Midland Credit Managements continued collection activity and credit reporting despite my repeated written requests for debt validation. On XX/XX/XXXX, I mailed Midland Credit Management a written debt validation/dispute request via certified mail after receiving notice of the alleged debt. Midland continued reporting the account to the credit bureaus and continued collection activity without providing proper validation. I then mailed a second written debt validation/dispute request via certified mail on XX/XX/XXXX. This letter was delivered and signed for on XX/XX/XXXX by XXXX XXXX. In my letters, I requested validation of the alleged debt, including proof the debt is mine, original creditor information, account documentation, proof of Midlands authority to collect, and supporting records verifying the amount being reported and collected. Despite receiving my disputes and validation requests, Midland failed to provide proper validation of the alleged debt. Midland continued furnishing/reporting the account on my credit reports and continued collection efforts. I have now received a collection letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX attempting to collect this alleged debt on behalf of Midland Credit Management. I believe Midland Credit Management continued collection activity and continued reporting disputed information without properly validating the debt after receiving my certified written disputes. I am requesting a full investigation into Midlands handling of this account, proper validation of the alleged debt, and deletion of the tradeline from all credit reporting agencies if the debt can not be properly verified and validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Sent out credit disputes to Credit Buraus several time noted these discrepancies due to these account not being mine. Debt collectors are affecting my credit report and have not been able to provide any valid proof to identify the documents liking me to these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2026, American Express emailed me demanding a {$2600.00} payment by XX/XX/2026 to avoid maintain my current credit limit. My credit limit is {$18000.00} and I have a {$10000.00} balance. My next payment minimum of {$210.00} isnt due until XX/XX/2026. I have a good track record as a long time customer of American Express. My income has not changed. My credit utilization has not changed. This is both an inhumane, unprofessional and unacceptable request and business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is 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 non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Subject : Strict Liability Violation of Regulation Z First-Year Fee Cap ( 12 CFR 1026.52 ) - Day 1 Breach Complaint Description : I am filing this formal complaint regarding an explicit, mathematical violation of the Truth in Lending Act ( TILA ) by XXXX XXXX Services on my account. The Violation : Under 12 CFR 1026.52 ( a ) ( 1 ), card issuers are strictly prohibited from imposing fees during the first year that exceed 25 % of the credit limit. My Credit Limit : $ XXXXThe XXXX XXXX XXXX : {$120.00}. Actual Fees Charged : {$120.00} ( See attached Opening Statement ). Timeline of Infraction : As shown in the attached " Opening Statement, '' XXXX charged an Annual Fee of {$120.00} on XX/XX/year>. Then, on XXXXwithin the very first billing cyclethey stacked a " XXXX XXXX XXXX '' of {$1.00}. This pushed the total fees to {$120.00}, exceeding the absolute federal ceiling by {$1.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ONLINE TRANSFER REF # XXXX TO WELLS FARGO ACTIVE CASH VISA CARD XXXX ON XXXX ...... {$6500.00} i did not do this

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 2026-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2026, I have opened a claim with the Bank of America about a credit card charge in the amount of {$9900.00}. This charge was a part of my swimming pool building contract. I only received partial services and the merchandise I received is materially worse compared to the contract provisions. The building contractor ( XXXX XXXX XXXX XXXXXXXX XXXX ) " ghosted '' me immediately after receiving the last payment on the contract. All my attempts to make him finish the work and correct the deficiencies were ignored. This left me with no choice but to file a chargeback with the Bank of America. Bank of America requested numerous documents from me, which I promptly provided : copy of the contract, copy of contractor 's statement, screenshots of my texts to contractor, phone call log, pictures of poor and unfinished work, pictures of the pool pump that is materially different from the one stipulated in my contract. In my second letter to the bank, I explained that the pool pump is a non-returnable merchandise once it's been installed and water passed through it. On XX/XX/2026, I received an email from the Claims & Resolution Department of the Bank of America saying that my claim is complete and they were " unable to confirm that you were supposed to receive something different than what you received. We requested, but didn't receive, information showing what you received is different than what you purchased. Were unable to confirm that you returned the item ( s ) to the merchant. We requested, but didn't receive, information, such as tracking information or a signed return receipt, showing that you returned the merchandise or that the merchant accepted your return. '' I immediately called the bank and asked how they do not understand the difference between a single-speed pool pump I received ( market value {$700.00} ) and a variable-speed pool pump in my contract ( market value {$2600.00} ). I also asked how I'm supposed to return a non-returnable merchandise or cancel after-the-fact services related to concrete pouring. My statement that the building contractor has abandoned my project without legal excuse was also completely ignored by the Bank of America, and no communication attempts between the bank and the contractor were included in the document pack I have requested. My legitimate claim for not receiving all the contracted services and materially different merchandise was denied by the Bank of America.

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 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
I began my loan period with KIA Finance on XX/XX/year>. Prior to submitting a payment, I reviewed their FAQ on their website for how to apply payments directly to principal. The policy stated that any payment over monthly amount due would be applied to principal ( full statement included in screenshot attachment ). I made an overpayment on XX/XX/year>. When my next monthly statement arrived, the overpayment was applied to this. Nothing got applied to the principal. I called KIA Finance on XX/XX/year> and the agent told me that my account needed an update for overpayments to apply to principal. He said he would correct my account. This did not happen. The same result of overpayments going toward regular payment with interest happened again in XXXX. I called again on XX/XX/year> and this agent told me that overpayments will not apply to principal automatically and that I would need to call to have adjustments made to my account if I wanted this to happen. When I brought up the FAQ information, he was not aware of that. I asked for the adjustment which he told me would be reflected in 24 hours. It was not. I called again on XX/XX/year> and spoke with a supervisor. She also informed me that I would have to call anytime I wanted an adjustment to have an overpayment applied to principal. She was also unaware of the information in the FAQ. I again requested an adjustment that did not happen. I tried again in XXXX with the same result asking for the adjustment on XX/XX/year>. I called again on XX/XX/year> to inquire why my adjustments were not going through. The agent said one from XXXX was rejected for unknown reasons. The adjustment from XXXX he told me was applied to principal in his system. When pressed why I do not see that in my account on the website, he told me it was a glitch. I just received my new statement and the overage from XXXX was again applied to my regular monthly payment, not principal. This has become beyond frustrating and fraudulent as all the agents and supervisor I have spoken to have all had different stories about what is happening and is in direct contradiction to the publish information on their website regarding principal payments. I would really like to get this taken care of so I can pay off the loan as quickly as possible. It seems KIA Finance intentionally makes this difficult to impossible so they can collect as much interest as they possibly can.

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 2026-05-13 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: NY

Complaint narrative:
American Express denied 8 disputes I filed against XXXX for misrepresented hotel charges at XXXX XXXX XXXX ( XXXX XXXX XXXX ). The merchant submitted documentation that, on its face, confirms the misrepresentation : the hotel 's own folio shows the resort fee was charged at {$56.00} per night 4 nights, while XXXX disclosed only {$56.00} total at booking a 4 variance. Amex 's dispute team did not appear to substantively review the merchant 's own contradictory evidence before denying. I am filing this complaint because Amex 's dispute resolution process failed to provide a fair review, despite the merchant 's submitted evidence itself supporting the dispute. Total amount at issue : {$4600.00}. I have submitted a comprehensive rebuttal packet ( 49 pages ) to Amex with new evidence including the merchant 's contradictory documentation and XXXX 's own XXXX XXXXustomer service confirming the room category was not delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Subject : Ongoing Billing Error and Failure to Correct Account Records by Shellpoint Mortgage Servicing. I am submitting this complaint regarding an ongoing and unresolved billing/accounting error involving my mortgage account. The issue relates to an appraisal fee that was fully paid on XX/XX/XXXX. Despite this payment having been made and received, the charge has continuously appeared on my mortgage statements as a past due balance. Over an extended period of time, I have contacted the company multiple times in an effort to resolve this matter. Following repeated complaints, I received written correspondence from Shellpoint Mortgage Servicing dated XX/XX/XXXX, in which they expressly acknowledged that the appraisal fee payment had in fact been received previously and stated that the error would be removed from my account. Despite this written confirmation, the charge remains on my account today and continues to be reflected as past due on my statements. This ongoing failure to properly correct their records has caused unnecessary frustration and concern, particularly given that the company has already validated the payment and acknowledged the error in writing. At this point, the issue is no longer a dispute over whether payment was made, but rather the companys continued failure to implement the correction they themselves promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have seen my Venmo Credit card limit ( Issued by Synchrony Bank ) reduced over the last 1-2 years which has caused my credit usage to skyrocket screwing up my Credit report. This is arbitrary and capricious moves made by them and in conflict with my proper use of credit. I have never missed a payment and used my credit properly. They have no problem criminally charging me 27 % ( usury ) on the balance every month. My credit limit was XXXX roughly and is now XXXX. This was reduced from the XXXX last month and done after I made my most recent payment.

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX a debit purchase in the amount of {$300.00} was made from XXXX from my chime virtual debit card. I immediately logged on to XXXX to find a XXXX aid invoice was generated and my card on file was used. I opted out of XXXX XXXX so I know I did not authorize this charge as I was was testing the site out. The invice has a phone number that no longer in use when I attempted to call them. I immediately reported the card on chime.com and on XX/XX/XXXX when the transaction cleared I reported to chime the unauthorized transaction. Today I received a denial claiming they did an investigation and I will not receive my funds. I called chime and spoke to XXXX and asked her to explain to me, email or mail me the full investigation chime did to come to this resolution and was told she has to look into it.

Company response to consumer: Closed with explanation