vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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:
On XX/XX/year> I placed an order with Lane Bryant using the Lane Bryant Credit Card. ( XXXX XXXX ). This order was for a total of 4 items, and the order would have been eligible for free shipping due to the total value of the order. No item shipped within 30 days, and I did not receive any notice about an order delay. I contacted Lane Bryant via live chat at the end of XXXX and was told the order had been canceled by Lane Bryant as they could not fill the order and that I would not be charged. On XX/XX/XXXX, I received a notification that two items from the order had shipped. ( This shipment was in violation of the FTC 30 day rule, as I had never been notified of any order delay and had been told the order was in fact canceled ). I was charged for the two items shipped ( but a slightly different amount than listed on the original purchase ), plus shipping. When I received the items I returned them to the local store for a refund, but the store told me they were unable to refund the shipping. At the time of the return I owed LB credit card {$61.00} and the refund amount to me was {$52.00}. This left me with a balance on the card of {$8.00}. Lane Bryant credit card charged me a {$30.00} late fee for not making a full {$30.00} payment to the card ( despite the fact my account balance on the due date was only {$8.00} ). When contacted by phone they offered to refund the late fee, but no refund was issued. When contacted a second time via phone I was told the maximum amount they could refund me was {$15.00}, " because of the terms and conditions I had signed '' when I applied for the card some XXXX years ago. At this moment I owe them {$40.00} despite the fact I have no items in hand. If they reverse the {$15.00} as promised I will still owe {$25.00} but have no merchandise. Today is XX/XX/XXXX and I have been told that I have to wait until XXXX to learn the results of the {$8.00} dispute. I want to close the card, and apparently I have to pay them {$25.00} for the privilege of getting to a XXXX balance so I can do this. I would like CFPB to just get me to XXXX with them so I can close the card. I don't want to pay for items that shipped 105 days after they were ordered and that I returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting a collection account on my credit report that I dispute. I have requested validation of this alleged debt, including documentation showing Midlands legal ownership of the debt, the original signed agreement with the original creditor, and the chain of assignment transferring the debt. At this time I have not received sufficient documentation verifying the accuracy of the debt or Midlands legal authority to collect. Under the FDCPA and FCRA, furnishers must be able to verify the information they report to consumer reporting agencies. If Midland can not provide proper validation of the alleged debt, the account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CO

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
my account was on hold for false disputes made by the sender. i brought in evidence showing why i was receiving money and showing that the transactions were authentic and authorized. i recently received my irs tax refund and requested the refund be sent back since the account is on a hard freeze. my case manager didnt mention i couldnt request my deposit be sent back, the account is currently not negative

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Bilt Technologies, Inc.
State: CT

Complaint narrative:
XX/XX/XXXX2026, I started a payment with BILT for rent. the transaction was processed and XXXX dollars left my account. There was no notification or anything to my landlord ( but there was to me left in the processing state ). After waiting the entirety of the XXXX and my Landlord letting me know he had not received any notifications. I tried to contact their support on multiple occasions between the XXXX and theXX/XX/XXXX via phone, SMS, and their in chat support. XX/XX/XXXX evening I also sent an email, but at my time of writing this I have still not received a response back. Every single time I am told that their representatives are busy and that they will get back to me in order that it was received. I tried to verify with their AI thing, but according to them it is listed as submitted, even though when I check it is cancelled/order could not be completed. My funds are STILL MISSING and I am unable to get into contact with anyone regarding this. I know the funds were sent to the right place, because my landlord got a message only AFTER I cancelled it. When I was trying to check the actual order, there was no way for me to verify that I had the details correct and no one available to answer my questions regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding continued collection activity by Portfolio Recovery Associates and XXXX XXXX XXXX concerning an alleged debt. Both companies have attempted to collect on the same alleged debt. I have disputed this account and requested that they cease communication regarding this matter. Despite my request, collection attempts have continued. This situation is extremely concerning because it appears that multiple debt collectors are attempting to collect on the same alleged account, which raises serious questions about the validity and accuracy of the debt being reported and collected. I believe these actions may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), particularly if the debt can not be properly validated or if duplicate collection activity is occurring. I am requesting that both companies : Cease all communication with me regarding this alleged debt. Provide proper validation of the debt if they claim it is legitimate. Correct or remove any inaccurate information reported to the credit bureaus. I am not acknowledging responsibility for this alleged debt. I request that this matter be investigated and resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Guild Holdings Company
State: TX

Complaint narrative:
My monthly mortgage with Guild Mortgage is XXXX Due on the XXXX of each month. I paid this amount. I am not on autodraft and have never given them permission to withdraw money out of my account without permission. I paid the mortgage on XX/XX/XXXX for the amount above. This amount was billed. On XX/XX/XXXX and additional charge of XXXX was taken out of my account. I called to find out what was happening. They told me they were aware of the accidental duplicate charges and were working to resolve it. today on XX/XX/XXXX. My account was hit again with another withdrawal of XXXX. I called again. This time, I was told, " management was in a meeting and was aware of the XXXX charge. '' I asked a lot of questions. Bottom line, I was told they had no information for me, no timeline for the refund. This is criminal. Why does every other agency/company return an overcharged amount almost instantly, but I'm getting the run around about my money, which they took without permission? Also known as theft. Please look into this matter. Their response is crazy. There is no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I filed an ATM dispute with Wells Fargo on XXXXXXXX XXXX XXXXXXXX It has now been more then 14 business days. I have not received provisional credit and have not received written notice of an extended investigation. Under Regulation E, provisional credit is required within 10 business days if the investigation is not completed. I am requesting immediate provisional credit and compliance with federal regulations

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 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: CA

Complaint narrative:
I previously submitted a claim, number XXXX to contest collection of a debt that originated in the year XXXX. According to the Federal Trade Commission State of California website, the statute of limitations has passed to collect this debt. According to the Fair Debt Collections act, Debt Collectors Must Tell You If the Statute of Limitations Has Expired. The Rosenthal Act requires a debt collector to inform you if the statute of limitations for a particular debt has passed. The collector has to include the notice in the first written communication it sends you after the statute of limitations expires. ( Cal. Civ. Code 1788.14 ( XXXX ). ) The law also bans collectors from filing a lawsuit or initiating arbitration or any other legal proceeding to collect a time-barred debt. ( XXXX. XXXX. XXXX. Code XXXX ( XXXX ). ) Additionally, under 15 U.S.C. 1692k, consumers may sue debt collectors for violating any part of the Fair Debt Collection Practices Act, including harassing behavior or continued contact after your request to stop. I am filing a second complaint asking you to stop attempting to collect this expired debt and to stop reporting this debt to the credit bureaus negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a promotional email from American Express advertising the Delta Platinum American Express Card, highlighting a key benefit : a {$2500.00} MQD ( Medallion Qualifying Dollar ) boost equivalent to {$2500.00} in real Delta spending toward loyalty tier qualification. Given that this was the last day of the calendar year, and that the MQD boost would determine my Delta loyalty tier for XXXX, I called American Express before applying. I explicitly and repeatedly confirmed with the representative that the MQD boost would apply to the XXXX benefit year. Based on those assurances, I opened the card on XX/XX/XXXX. As XX/XX/XXXX progressed and I received no MQD boost, I followed up with American Express. I was then informed for the first time that because my card was opened on XX/XX/XXXX, the benefit period runs through XX/XX/XXXX, meaning the boost would not apply to the XXXX loyalty year. This directly contradicted what I was told before I applied. I escalated the issue, referencing the phone call during which I was given incorrect information. American Express opened a formal case and reviewed the call recording. They confirmed that their representative had provided me with misinformation. Despite this acknowledgment, American Express 's resolution offers have been wholly inadequate : - First offer : XXXX Delta SkyMiles ( approximately {$30.00} in value ) declined - Second offer : XXXX Delta SkyMiles declined - Third offer : XXXX Delta SkyMiles declined I applied for this card on the last day of XXXX solely because of the MQD boost and the explicit confirmation that it would apply to XXXX. I would not have opened this card otherwise. The boost I was promised is worth XXXX Delta SkyMiles or {$2500.00} the precise amount needed to reach the loyalty tier I was counting on. I am not requesting compensation for any of the other card benefits I did not receive. I am requesting only what I was explicitly promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as a FINAL NOTICE regarding materially inaccurate credit reporting associated with the above-referenced account, which is currently being reported under my consumer credit profile. XXXX XXXX XXXX has issued IRS Forms 1098 for tax years XXXX, XXXX, and XXXX identifying XXXX XXXX as the borrower on the referenced obligation. I am not identified as the borrower on any federally filed tax document related to this account. Despite this, the account continues to be reported under my consumer credit file. Reporting a debt to consumer reporting agencies under one individual while identifying a different individual as the borrower to the Internal Revenue Service constitutes inaccurate reporting, incorrect borrower attribution, and mixed-file furnishing in violation of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 611 and 623. I did not originate this obligation, did not execute any deed-back or assumption agreement, and have disputed this account in good faith. No signed contract, proof of obligation, or authority to report has been provided to substantiate this reporting. Accordingly, I hereby demand the following actions be taken immediately : Deletion of the account from my Experian credit report Immediate cessation of furnishing this account under my consumer profile Written confirmation of correction or de letion Failure to comply within fifteen ( 15 ) days of receipt of this notice will result in escalation through regulatory complaints with the Consumer Financial Protection Bureau and state authorities, and may include pursuit of legal remedies without further notice. This letter is not a refusal to pay, but a demand for lawful, accurate reporting as required by federal law. Sincerely, XXXX XXXX They did not give me the information I needed from Experian this is the letter I send them

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I do not really get answers regarding this matter from the phone representatives. It is all gibberish to me. I tried to go to the Citi website. I have a password but don't know my user name. I tried my email but that email combination with my password did not work or I could contact Citi directly. The last matter from my last concern regarding when my XXXX months had to be paid was answered. Much appreciated. Now I would like to know how other Home Depot purchases would affect this. If I make a purchase for say XXXX. How to they differentiate my payments from the Same As Cash for XXXX months and new purchases? And I may want to order more under promotions of same as cash. How is it determined which is applied to the new purchases versus the current XXXX month Same As Cash promotion that I am under now? Thank you. Also how do I get a user id for the site and the site web address so I can contact Citi directly with any concerns or questions I may have?

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 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was fraudulently open XXXX when I asked the XXXX, XXXX about the funds that was missing. She didnt wan na help me with my council. I froze it XXXX then she went XXXX force closed it XXXX then so I never was able XXXX get XXXX my money, XXXX trying to see if I can get help with my account because theyve been changing the passwords. I cant get into the XXXX Banking XXXX I keep being harassed by the XXXX XXXX XXXX of the XXXX XXXX bank, XXXX XXXX, Bank of America, XXXX the XXXX XXXX XXXX XXXXn cahoots the XXXX, XXXX XXXX, XXXX, or dispatcher is in cahoots with them doing the Fraud so XXXX not able XXXX get any help because theyre gon na get away with it being that you know the XXXX sheriff stations in conspiracy with it so if you could please try XXXX give me help with my account thank you

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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have a car loan with Credit Acceptance with an interest rate of 22 %. I am aware of the company being sued due to the interest rates which caused car owners not being able to afford the loan.

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