vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Dear All, I am filing a complaint regarding a late fee and interest that were charged to my XXXX rewards credit card account due to a payment that was only XXXX days late. My payment was due on XX/XX/XXXX, and on XX/XX/XXXX, I received a message ( please see attachment ) stating that my payment was urgently due. 

This was unexpected because in XX/XX/XXXX, I reviewed my account settings and confirmed that autopay was enabled and that the correct bank account with sufficient funds was linked. The amount was {$3300.00} and it was a downpayment for a vehicle I bought through XXXX dealership. As always, I use autopay option to all of my cards and there was no exception for this account ending at XXXX. 

When I contacted customer service, I was told that autopay was not active and that I am responsible for both the late fee and the interest. I requested that they review their internal autopay activity logs, but they insisted that I must pay the charges. They also could not confirm whether this incident would negatively affect my credit report. 

I believe this situation is unfair because : I verified that autopay was enabled prior to the due date My bank account had more than enough funds The delay was only XXXX days Also, when I visited my account to pay in XXXX, my account was not opening until I signed new electronic terms & conditions as if I were new customer. 
I acted in good faith and relied on the autopay system Customer service refused to investigate the autopay discrepancy The only thing they accepted after speaking with XXXX supervisor, she offered to waive half of the penalty fee as per # XXXX reference ticket. 

Requested Resolution : I strongly believe that this is an auto pay mistake- software error. For some reason, it seems that their autopay system lost data and information. I think that is a matter for further investigation. 
All my payments with credit cards/loans, etc are 100 % on time. 
Also, on XXXX, XXXX, there was sufficient fund in my bank account that the withdrawal was supposed to be done. Please see attachment. 
I kindly request : Reverse the late fee and interest as a goodwill adjustment Provide written confirmation that no negative information has been or will be reported to the credit bureaus I am requesting CFPB assistance because the issuer has not resolved this issue despite my attempts. 

Thank you. 


Kind regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: WA

Complaint narrative:
I have a collection on all of my credit reports from Oliphant USA for {$370.00}. Its from a XXXX XXXX account that was opened in my name in 2021 that I did not open. I did not buy any of these things and they are not willing to settle the debt with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: NC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
i recently viewed my XXXX report and noticed that my information was used in the data breach and i need these fraudulent accounts removed immediately. This fraudulent account is an auto loan ( MIDWEST ACCE ) with the amount of {$14000.00} opened on XX/XX/XXXX need removed under the act of XXXX removed within 4 days This account should not be in Repossession please remove immediately. This fraudulent account is a phone company ( XXXX ) with the amount of {$800.00} opened on XX/XX/XXXX. This fraudulent account ( XXXX XXXX ) with the amount of {$460.00} opened on XX/XX/XXXX I DID NOT AGREE FOR THESE ACCOUNT TO REPORT TO MY CREDIT REPORT REMOVE immediately. These account are stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I entered into a payment plan with Capital One for my XXXX Capital One credit card on XX/XX/XXXX. I have made all payments in accordance with the payment plan as outlined. 
After enrolling, I received a written email confirmation of the payment plan. That email states that enrolling in the plan is an important first step toward resolving the debt and getting back on track. The email clearly lists the payment amount, payment frequency, number of payments, and the due date of the first payment. 
Despite making payments exactly as outlined in the payment plan, I was assessed a late fee. I contacted Capital One last month regarding that fee, and it was removed. During that interaction, the representative did not explain that the fee was outside the payment plan terms or that the removal was a discretionary courtesy. No explanation was provided as to why a late fee had been assessed while I was making payments per the plan. 
In XXXX, I was again assessed a late fee despite continued compliance with the payment plan. When I contacted Capital One, a representative stated that during the original payment plan call, a disclosure was read verbally stating that late fees could still be assessed. I do not recall such a disclosure. Capital One stated they can not provide any written documentation, transcript, or policy confirming that this term was disclosed and advised that there is nothing that can be sent to me reflecting this. 
The written payment plan confirmation email does not clearly state that the account would remain delinquent or that late fees would still be assessed if payments were made exactly as outlined in the plan. While the email contains general language stating that interest and charges may continue to accrue as provided in the original agreement, it does not clearly or affirmatively disclose that compliance with the payment plan would still result in late fees. 
A reasonable consumer would understand a payment plan that specifies payment amounts and due dates and is presented as a step toward resolving the debt to prevent late fees when payments are made as agreed. 
I am disputing the late fees assessed while I was on the payment plan and requesting written confirmation of the payment plan terms. I believe enforcing late fees under these circumstances, without clear and retainable disclosure, constitutes inadequate disclosure of a material term and may be an unfair or deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: CT

Complaint narrative:
I wrote a letter to Bouce AI in XX/XX/year> and again in XX/XX/year>. They did not reply to the first letter and sent a text with broken link in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: OH

Complaint narrative:
I received a phone call from a company claiming the matter involved a personal business matter. Without verifying my identity, the caller disclosed my full name, middle initial, and date of birth, and asked me to confirm it. I refused to provide any information until they identified themselves and explained the purpose of the call. The caller would not explain the matter or identify themselves unless I confirmed my personal information that they disclosed with me. I called back, and a recording identified the company as National Recovery Agency. I blocked the number and request that any legitimate matter be sent in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
NTL Recovery reported XXXX debts of {$980.00} each on my credit report that are incorrect, unverifiable, and reported after deletion. These debts originated from XXXX XXXX XXXX XXXX, but NTL Recovery continued reporting them without proper validation. 

I sent multiple written requests for validation, documentation, and correction on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, including a settlement demand, but NTL Recovery did not respond and continued reporting inaccurately. They stated they were waiting on XXXX XXXX XXXX to validate the debts, but this does not excuse their failure to investigate or correct the reporting. 

They also misused XXXX law to deny documentation for the medical debts, which is misleading. Their actions have damaged my credit and prevented resolution through normal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am the legal owner of the property and have submitted a complete Successor in Interest packet to PHH Mortgage following the death of a borrower.

PHH is refusing to communicate with me or provide online account access unless I verify the borrowers Social Security number, which I do not have and am not required to provide. 

I am not attempting to authenticate as the borrower. I am requesting recognition and servicing access as a Successor in Interest, which under CFPB mortgage servicing rules must be verified through documentation, not borrower SSN authentication. 

Despite submitting all requested documentation, PHH continues to block access to statements and the online portal, preventing me from managing payments and account information. 

I am requesting immediate recognition as a Verified Successor in Interest, restoration of online account access, and designation as the primary servicing contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Eagle Phillips LLC
State: TX

Complaint narrative:
I am submitting this formal complaint regarding improper collection activity and the erroneous application of a XXXX XXXX related to a XXXX XXXX XXXX ( XXXX ) with XXXX XXXX that appeared to sell the debt to Eagle Phillips XXXX XXXXXXXX, my business entered into an XXXX agreement with XXXX XXXX. The business permanently ceased operations in XX/XX/year>, at which time payments stopped. In XX/XX/year>, XXXX XXXX XXXX placed a XXXX XXXX that resulted in funds being restrained from my personal XXXX XXXX account. 
This action is improper for multiple reasons : The personal XXXX XXXX account has never been associated with the business, was not used for business operations, and was never pledged as collateral under the XXXX agreement. 
The alleged debt was fully XXXX through bankruptcy in XX/XX/year>. As a result, the debt is no longer enforceable, and any collection activity related to it is prohibited. 
The continued application or maintenance of a XXXX XXXX against my personal assets constitutes post-discharge collection activity and is inconsistent with bankruptcy protections. 
I am requesting the following corrective actions immediately : Release and termination of any XXXX XXXX or restraint improperly applied to my personal account Written confirmation that the debt is recognized as XXXX and no longer subject to collection Confirmation that no further collection or enforcement actions will be taken

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
CAPIO is falsely reporting on my credit. I have never had any accounts with them. Per my research CAPIO 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 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: CT

Complaint narrative:
{$7400.00} Open balance RELIANT CAPITAL SOLUTIONS LLC Original creditor XXXX Opened XXXX XXXX, 2025 ( XXXX mos ) Account status Open Type Original creditor name RELIANT CAPITAL SOLUTIONS LLC XXXX XXXX Report. 

I have asked for ANY information they had and was told they would notify me when it was on hand. I mentioned that if they did not have information for the debt available how was it legitimate. My follow up was not delivered and quarantined for SPAM. Every time I dispute it shows back up with a new Opened Date. I asked for any information they had and when I attempted to follow up my message was reported as Spam or Phish to the original thread. This has affected me greatly as I go on military orders this month and did not qualify for a home loan due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : XXXX. The name and address of the original creditor. XXXX. A detailed statement of the alleged debt, including the amount and how it was calculated. XXXX. A copy of the original signed debt collection agreement or contract. XXXX. Proof that you are legally authorized to collect this debt. XXXX. A full accounting of payments, interest, fees, and charges applied to the alleged balance. XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : XXXX. The name and address of the original creditor XXXX. The amount of the alleged debt, including a breakdown of all fees and interest XXXX. A copy of the original agreement or contract bearing my signature look the same on my Id XXXX. Proof that you are authorized to collect this debt XXXX. A complete payment history, starting with the original creditor While awaiting verification, please : XXXX Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. XXXX Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
XX/XX/year> ( Christmas Day ), my mobile phone was physically taken from the charger and accessed without my knowledge or consent. During this unauthorized access, an unauthorized Pay Friends account transfer was initiated from my Chime account. 

The unauthorized transfer amount was {$98.00}, which removed all remaining funds from my account and left me without money for basic necessities. 

I discovered the unauthorized transfer and reported the error to Chime on XX/XX/year>, within the required reporting timeframe. Chime opened Claim ID XXXX and classified it as Pay Friends Unauthorized Transfer. 

I fully cooperated with Chimes investigation and took the following actions : Promptly reported the unauthorized electronic funds transfer Explained that my device had been physically accessed without consent Filed a police report documenting the unauthorized access and transfer Provided Chime with the police report case number Later provided a physical copy of the police report upon Chimes request Spoke with multiple Chime representatives and supervisors and requested escalation, reconsideration, and hardship review Despite these actions, Chime repeatedly denied my claim. On receipt of Chimes final determination letter, Chime stated that no error occurred and closed the claim without crediting my account. The denial did not explain how authorization was determined, did not address account takeover, and did not meaningfully consider the police report. 

Chime has refused reimbursement even after acknowledging that the police report was not initially reviewed and after receiving the physical report. Chime has also failed to provide evidence demonstrating that I authorized or benefited from the transfer. 

I dispute Chimes conclusion. This was an unauthorized electronic funds transfer resulting from account takeover, and physical access to my device without consent does not constitute authorization under Regulation E. I am requesting regulatory review of Chimes investigation and reimbursement of the {$98.00} taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: OH

Complaint narrative:
On XX/XX/year>, I used PayPal Pay in XXXX ( XXXX ) to purchase an XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$860.00}. The listing advertised a XXXX XXXX battery as included, which is a required component for operation. 

The item was delivered missing the battery, making it unusable upon delivery. The bike has never been assembled, operated, or used. This constitutes a materially incomplete product/ significantly not as described. 

I attempted to resolve the issue with XXXX, which refused a refund unless I returned an oversized item at my own expense, despite the product being incomplete at delivery. 

I then contacted PayPal and filed a dispute. PayPal denied the claim solely based on a 30-day filing rule, even though this is a XXXX in XXXX / XXXX  financing issue and payments continue to be collected for an unusable product. PayPal representatives confirmed the case could not be appealed further and refused to provide a complaint reference number or executive review. 

My request is not to reopen buyer protection, but to address PayPals continued collection of XXXX in XXXX installments for a product that was never usable and materially incomplete at delivery. 

Requested resolution : Full refund of {$860.00} or Cancellation of all remaining XXXX in XXXX installments Written final determination from PayPals executive complaints team

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, my Cash App account was taken over and multiple unauthorized transactions occurred, including withdrawals, transfers, and use of Cash App Borrow without my authorization. The fraud occurred suddenly and was not initiated or approved by me. 

I reported the fraud to Cash App within approximately six hours of the unauthorized activity on XX/XX/year>, and immediately took steps to secure my account. I have since contacted Cash App multiple times, responded to all requests for information, and filed a police report. 

On a follow-up call, I was informed by Cash App that my fraud case was internally recorded as being reported on XX/XX/year>. This internal date is incorrect and does not reflect when I actually reported the fraud. I was not informed of any delay in opening the case, nor provided with documentation explaining why the reporting date differs from my initial contact. 

I am concerned that this internal delay and misrepresentation of the reporting timeline may negatively affect the investigation and resolution of my claim. I am requesting that Cash App accurately reflect the original report date of XX/XX/year>, and properly investigate and resolve the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I received a call from my aunt stating she received a voicemail from a company threatening legal action in regards to representation acima today XX/XX/XXXX regarding something from XXXX I did not receive any type of contact throughout the years or anything as my phone number and email has changed since then they are threatening with legal action if I dont pay them a sum of XXXX

Company response to consumer: Closed with explanation