vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
XXXX XXXX reported my account with them as delinquent to XXXX. I discovered that through my XXXX XXXX account today. I also discovered today that my XXXX credit score tanked to the XXXXXXXX XXXX I don't think I have ever had a score that low before my whole life. And this is all because of interest charged after I paid the balance on my account which then had late fees added as well as additional interest over XXXX months without any notification to me at all. I have never heard of adding interest to an account after an account balance is paid in full, yet this has occurred over several months in addition to late fees being added. 

The representative told me I received emails, but I checked my emails and I received nothing from this company other than an email noting the payment I made which I thought was paying off my account. Today I went online to pay the remaining {$26.00} as I found out that was the balance today. I was told when I called to check my account by XX/XX/XXXX as there may be additional interest there as well. The due date for payment listed on the website and statements said XX/XX/XXXX... I made payment on XXXX XXXX, today. Again, why am I paying additional interest if I pay the amount they say I owe ... and before the due date? I could get no answer other than that is the way they do thing. I have had credit cards for my whole life and never heard of that kind of interest rate being applied. 

More importantly, my credit score can be affected for XXXX  years as a result of this process, their lack of communication to me, and a {$26.00} bill that started as an extra {$5.00} of interest I was never informed about. For that, my financial future is at risk? I paid the bill as soon as I was aware of its existence. I have notified all XXXX credit bureaus but thought you should be aware of this practice as well and would appreciate any help you might lend in resolving this issue. I think it is wrong I had to pay those fees and interest without notice, however, that is not my greatest concern... it is the severe damage XXXX has done to my credit rating as a result of their desire to capture every penny they can from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I made a purchase of tires through shown on my Capital One Savings account webpage. The website offers Cash Back on purchases at certain stores if you click through their page. I made a purchase of {$1700.00} at XXXX and was shown that I would receive 30 % cash back into my savings account if I met all criteria. I clicked through the portal, made a purchase, and met all requirements as stated by XXXX XXXX Offers. However, after more than 100 days, XXXX XXXX refuses to provide the XXXX XXXX  into my account, despite the fact their agents have agreed on multiple occasions that I've met all the requirements necessary. I've spoken to Agents with ID XXXX XXXXXXXX, and ID # XXXX. I have provided them with proof of meeting all requirements to receive the cash back including Order Number, Shopping Trip Number, Time of order ( XXXX minutes from click-through to placing order ), order amount, proof of shipping, and screenshots of the Capital One 30 % Offer. I've requested they provide the reason for denial of cash back, but they refuse to provide one and refuse to escalate the issue further. I am due cash back into my savings account of {$530.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting of the account listed below on my consumer credit report. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I dispute this debt and request full validation. Please provide the following : Proof that you own or have the legal right to collect this debt The name and address of the original creditor The original account number A copy of the original signed agreement or contract bearing my signature A complete payment history showing how the amount claimed was calculated Documentation showing the date of first delinquency Proof that this debt is within the applicable statute of limitations Proof that your company is licensed to collect in my state Please note that reporting this account to the credit bureaus without providing proper validation constitutes inaccurate reporting. Until this matter is resolved, I request that all collection activity and credit reporting cease.

If you are unable to provide the requested documentation, I request that this account be deleted from my credit reports with all consumer reporting agencies.

I expect your response within the timeframe required by law. All future communication regarding this matter should be in writing only.

Sincerely,

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: RI

Complaint narrative:
On XX/XX/year> at XXXX I recieved a text message asking if I was trying to access my account from a phone in Tx.I replied no then immediately another text was sent saying they restricted my account and a representative from the bank will be calling. At XXXX I received a call from who i thought was my bank stating someone was attempting to get into my account and I should transfer XXXX XXXX  to my XXXX pay to protect it. I was then placed on hold while they checked. While on hold the person went to target, XXXX XXXX XXXX XXXXXXXX XXXX XXXX cafe and spent the money in my XXXX XXXX. In target there was a total of XXXX on that day in XXXX separate purchases.once I realized I had been scammed I called Truist bank and spent XXXX minutes on the phone with a fraud agent. During that call we went into my account and found a couple old transactions I didnt recognize. I was told that there was a claim filed. I have since been on the phone with several fraud agents and my claim was denied because I should have recognized the past charges and since I didnt its my fault because if I would have they could have frozen my account. So my claim for the XXXX XXXX  is denied.

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 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
My federal Direct Loan Consolidation application was received XX/XX/year>. XXXX confirmed receipt and my XXXX review window ended. The consolidation loan has not been issued or transmitted to Mohela. Mohela has not created a servicing account under my name, and my default status has not updated in XXXX. This delay is blocking my school from generating fedral grant and loan offers and preventing disbursement of XXXX XXXX aid for academic materials such as books, laptop, and supplies. This is not a borrower error, this is a failure in the federal student loan servicing and transfer pipeline. I need my consolidation status tracked at the federal level and a manual default resolution/clearance letter issued to my school as soon as the payoff file is received or confirmed.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Halsted Financial Services , LLC can not collect debt in the state of Texas according to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA Dispute Case Number : XXXX I have been a USAA member for XXXX  XXXX. After my divorce, my ex-spouse withdrew funds from my personal account ( not joint ) to pay his credit card. Per our divorce decree, no transactions after XX/XX/2024 were to be shared. 

I contacted USAA multiple times over several months. While several unauthorized withdrawals were refunded, XXXX dispute totaling over {$3000.00} covering multiple transactions was not resolved. USAA told me nothing further could be done and that I should contact the credit card company, even though they had already reversed similar disputed activity. 

I am requesting a full review and reimbursement of the unresolved dispute. This matter has caused significant frustration, and I am taking steps to leave USAA despite XXXX  years as a member. I would like CFPB assistance to ensure this dispute is addressed fairly.

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 2026-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ceannate
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple student loan accounts reported under IONTUITION XXXX XXXX University on my XXXX  credit report. 

These accounts were previously disputed because I never enrolled, signed for, or received any student loans from XXXX University or IONTUITION. During the prior dispute process, the furnisher was unable to verify the accuracy or ownership of these accounts. As a result, the accounts were deleted from my credit report following an investigation that included escalation through the Federal Trade Commission ( FTC ). 

Despite this prior deletion, the same accounts have now reappeared ( been reinserted ) on my XXXX  credit report without any notification to me, and without evidence that proper verification was conducted, as required by the Fair Credit Reporting Act ( FCRA ). 

Specifically : The accounts show closed student loans with charge-off status, serious delinquency remarks, and balances owed. 

The accounts reflect long-term payment histories and delinquency markers, despite the fact that I never authorized or benefited from these alleged loans. 

No documentation, promissory notes, enrollment agreements, or proof of obligation have ever been provided to validate these debts. 

The reinsertion appears to violate FCRA XXXX ( a ) ( XXXX ) ( B ), which requires that any reinserted account must be certified as accurate and complete, and that the consumer must be notified within XXXX business days of reinsertion. I did not receive any such notification. 

Additionally, the reporting of these accounts is inconsistent across credit bureaus, appearing only on XXXX  while XXXX  and XXXX  report no data, which further raises concerns about the accuracy and integrity of the reporting. 

I am requesting that the CFPB review this matter and require the furnisher and credit bureau to : Provide full, competent verification proving that I am legally responsible for these alleged debts. 

Explain why previously deleted accounts were reinserted without proper notice or certification. 

Permanently remove any accounts that can not be fully verified in compliance with the FCRA. 

Correct any inaccurate, misleading, or unverifiable information being reported. 

These reinserted accounts are causing ongoing financial harm, credit score damage, and emotional distress, despite having already been determined unverifiable in a prior dispute. 

Thank you for your assistance in ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems LLC XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Debt Validation Request To Whom It May Concern, I am writing in response to the collection account that your company is reporting under my name. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide competent evidence that I have a legal obligation to pay this debt, including but not limited to : 1. The name and address of the original creditor 2. The original account number associated with the alleged debt 3. A full itemized accounting of the amount claimed, including any fees or interest added 4. A copy of the original contract, agreement, or application bearing my signature 5. Documentation proving that Jefferson Capital Systems LLC has the legal r
ight to collect this debt, including a complete chain of assignment from the original creditor 6. The date of the alleged default and the date the debt was obtained by your company This account is currently being disputed. Until proper validation is provided, you must cease all collection activity and reporting of this account to any consumer reporting agency, as required by law. 

If you are unable to provide the requested documentation, you must immediately request deletion of this account from all credit reporting agencies to which it has been reported. 

This letter is not a refusal to pay, nor is it an acknowledgment of any debt. It is a request for validation only. 

I expect your response within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX or XXXX my bank of america closed my account and I haven't been able to open a bank since. I know this because my former significant other had taken checks from people and tried to deposit them into my account. It took me a while to receive this news due to me being XXXX  and homeless.

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 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
Regional XXXX  is charging excessive fees, and a {$7000.00} loan costs {$20000.00} to pay back. That is absolutely ridiculous and charges you for insurance on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/year>, I was charged {$100.00} for a purchase from XXXX ( XXXX ). I returned XXXX items using the merchants return process and dropped off the return via XXXX, retaining the official drop-off receipt and tracking reference. 

I contacted XXXX multiple times regarding the refund. In written correspondence, XXXX stated they had not registered the returned items in their warehouse and denied my refund request despite proof of return. 

I filed a billing dispute with Wells Fargo, providing the transaction details, return receipt, and correspondence with the merchant. After more than XXXX  days, Wells Fargo denied the dispute. Wells Fargo referenced a partial refund allegedly agreed to by the merchant, but I have no record or documentation of any partial refund being issued or agreed to. 
I believe this dispute was not handled fairly, as I provided proof of return and documentation showing the merchant failed to issue a refund.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
Today a debt collector company called my job at XXXX from a XXXX and spoke to another associate about collecting a debt from me and need to speak with me. That call was transferred and not answered by my self. I received XXXX phone calls from XXXX at XXXX today that were not answered. I called back this XXXX and it was a debt collector from synergetic communication to collect a debt that I knew nothing of. I asked them to stop contacting me. Then a number of XXXX called my friend to ask for me by name to collect a debt. Im being harassed by a debt collector who is calling my job and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: OR

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo does not disclose instant funds fees within their app, the user has to load a separate webpage to scroll and see the fees. The app does not display the fee % only the amount landing in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have an extremely high interest rate through the finance company Exeter, they refuse to work with me to lower my rate. Because the rate is so high nine of my payments of {$650.00} go towards the principal thats all towards interest. Now i owe more than its worth and it seems like a fraudulent practice to make it so no one can possibly pay down their loan with the way they run their services. They laughed at me and said to go refinance through a credit union, knowing no bank would touch a loan thats as inside down as mine. Furthermore after 2-3 years of paying $ XXXX month, more whe i can i owe more that i originally had the loan for.

Company response to consumer: Closed with explanation