vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I was on a promotion of 24 months. I had my balance down to under {$300.00} on an over {$5000.00} purchase. It hasnt even been a month past the date and they added interest from the amount from the beginning sale. It is & XXXX. That is extremely high. I called and spoke with a manager and explained the situation and asked for a goodwill adjustment. They said there was nothing they could do. After almost two years of regular payments I feel like they could have done something and it seems to be a big scam. I would like to see if there is something you can do or at least have a report of this type of practice. It was on a Zales credit account and it is Comenity bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
THE FIRST TIME I HEARD FROM THEM WAS TODAY AT XXXX XXXX. THEY SAID THEY HAVE CALLED AND SENT MAIL BUT WE HAVE GOTTEN NOTHING AT ALL. WE REQUESTED IT AGAIN IN WRITING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Credit Collections is attempting to collect on a debt that is not owed to them for XXXX XXXX XXXX all information stated in the collection is incorrect

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Titanium Funds
State: UT

Complaint narrative:
I have a high interest loan with Titanium Funds on a XXXX XXXX XXXX. I've made bi-monthly payments of XXXX for almost 2 years. I've barely made a dent in the amount still remaining which is almost XXXX. The car is worth about XXXX according to XXXX XXXX XXXX. They have refused to lower the interest rate, reduce payments or offer any type of hardship program. My credit score hasn't improved despite making these timely payments. I am living paycheck to paycheck because of this and am looking for a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am submitting this complaint regarding credit reporting on my Macys credit card account ending in XXXX, issued by Citibank. Two recent 30-day late payments were reported due to an autopay setup error that resulted in a returned payment. The account is currently paid and in good standing. A goodwill adjustment review was submitted on XX/XX/XXXX. However, I have an active mortgage loan in underwriting with a scheduled closing date of XX/XX/XXXX. The reported late payments are the sole factor causing a Caution risk classification in automated underwriting. Given the time-sensitive nature of a pending home purchase, I respectfully request : Expedited review of the goodwill request Confirmation whether a credit bureau reporting correction has been approved Immediate transmission of any approved correction to all credit bureaus This matter is extremely time-sensitive and directly impacts a primary residence purchase. Thank you for your assistance.

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 2026-03-10 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP 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 ) 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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was overseas as a government contractor during XXXX, when I arrived back to the United States I noticed an account from XXXXXX/XX/XXXXXXXXComenity Capital Bank reporting on my XX/XX/XXXX credit report. I was informed that I was a victim of a XX/XX/XXXX data breach. I never applied for this account nor have i authorized anyone to apply in my name. I contactedXX/XX/XXXX and was advised to contact the bank. I did and received no help. I was advised to file an FTC ID Theft report and affidavit to have this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Company name : Affirm , Inc . Product : Buy Now Pay Later / Point-of-Sale Installment Loan Issue : Problem with loan origination / disclosure Complaint Description I am submitting this complaint regarding a loan issued by Affirm for a purchase from a merchant called XXXX XXXX on XX/XX/year>XXXX in the amount of {$4400.00}. The financing application and acceptance process occurred on a tablet controlled by the merchants sales representative during a high-pressure sales interaction. I was not provided a meaningful opportunity to review the full loan agreement before electronic acceptance. The representative navigated the device and screens during the process. During the sales conversation I was verbally told that I would be able to make my loan payments using a credit card. After the purchase, when my first payment became due, I discovered that credit card payments are not permitted and that payments must be made by ACH, debit card, or check. The payment method restriction is a material term that would have affected my decision to enter the financing agreement. I was not provided a copy of the loan agreement at the time of signing. I only accessed the agreement later through the Affirm online portal. When I contacted Affirm to dispute the loan based on merchant misrepresentation and lack of informed consent at the time of origination, my complaint was categorized as a billing dispute and denied. Affirm stated that it relies on the merchants policy and that it could not assist further. My concern is not with the billing calculation but with the validity of the consent and disclosures at the time the loan was originated. I believe the loan agreement was accepted without a meaningful opportunity for review and based on inaccurate information provided by the merchant regarding payment terms. I am requesting that Affirm review the loan origination process and merchant conduct, including whether proper disclosures were provided and whether informed consent was obtained before the loan agreement was accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Rocket Mortgage keeps sending me an ad on my email after I have asked to opt out and actually called them and they said they would stop sending these adds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, my XXXX account was suspended and {$7500.00} of my funds were frozen, preventing me from accessing money I earned through legitimate transactions. This restriction occurred immediately after I attempted to add funds to my account. My account has not been compromised, there is no fraud, and all transactions are legitimate. In addition, I have an ongoing unresolved dispute dating back to XX/XX/year>XXXX regarding a {$53.00} payment to Public Storage. XXXX denied this dispute multiple times despite me providing ample evidence. The dispute was only reopened after I filed a complaint with the CFPB, but I have not received any update or resolution since the reopening. I have contacted XXXX multiple times via customer support, account specialists, and the executive office, requesting the release of my funds. I have provided proof of account ownership through bank statements and linked card information. XXXX has requested government-issued ID, which I am unwilling to provide due to privacy and security concerns. The frozen funds are urgently needed for temporary housing and essential living expenses. The ongoing restriction is creating immediate financial hardship and a risk of homelessness. Previous attempts to resolve these issues with XXXXPayPal , including escalations to the CFPB, Texas Department of Banking , Texas Attorney General, and my U.S. Senators, have not resulted in a resolution. Ticket numbers for reference : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
We sent a payment to Carrington Mortgage Services and have had issues with the payments being posted in a timely manner so we paid to have this package with the check tracked. Our tracking indicates that the check was delivered on XXXX and I called to verify on XXXX which Carrington Mortgage Services stated they had not received a check. This has been a consistent issue with them causing us to pay for shipping so it's extra money and time we have to take away from our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OR

Complaint narrative:
I had my inheritance and trust funds money being wired to my account at U.S. Bank as soon as they were wired, there was all of a sudden fraud on my account and there was no funds in my account then I had my Uncle wire me {$10000.00} into my new account and its not there. They said they never received it and I sat here and I watched them go through my account delete my new one and transfer funds into an account and then someone elses name. They have allowed somebody to come in. That is not me and take out my money from my relia card. They have continuously allowed anyone to switch our money from my account. Whenever requested they have gone as far as studying the cameras off, which I know that, even though they shut down the cameras, the cameras are still rolling and it saved on the DVR so Im requesting all my accounts to be fully investigated with my Social Security number.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I mistakenly made two PayPal accounts not realizing and and I sent two payments of XXXX to myself, one account said the funds were sent and the other account said the same thing, both accounts lost the dispute when I placed it. The merchants name changed a few times pointing blame at another merchant. When asked My account was restricted and I'm not able to ever use their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This company is violating my rights Under 15 U.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate information is a violation of federal 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 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
I was apply for a refinance of my home and was denied because it was reported that I had several delinquent student account where were transferred from Mohela to Dept of Education but my credit report did not reflect that,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX 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 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 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I applied for a loan modification. It was denied because the bank said I was approved for a modification in XXXX of XXXX and the trial payment was XXXX, XXXX, XXXX. I never received the modification by mail and my online access is blocked because I am in foreclosure. I explained to the bank that why would I have sent a loan modification in XXXX if I was approved a month prior? The refused to open a new review because of the prior approval. I even offered to make all 3 trial payments now and they won't allow it. This treatment of me is unfair. No mail was ever received and I should not lose my home because the bank mailed me papers that I never received. The bank should either take all my payments now for the trial period or reopen a new review and grant me a new approval.

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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the XXXX XXXX charge-off account reporting on my Experian credit report with a balance of {$3400.00}. According to my credit report, this account is scheduled to be removed around XX/XX/year>. Because the account is approaching the seven-year reporting limit allowed under the Fair Credit Reporting Act, I am requesting an early exclusion and removal of this account from my credit file. Since the account is now considered obsolete and nearing the end of the reporting period, I respectfully request that Experian review and delete this account from my credit report. Please investigate and update my credit file accordingly. 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: CA

Complaint narrative:
Subject : Notice Failure in XXXX XXXX Class Action Settlement ( XXXX XXXX XXXX ) I am an XXXX and a XXXX XXXX cardholder ( Account : XXXX ). I am filing this complaint against Comerica Bank ( now a division of XXXX XXXX XXXX ) and its vendor, Conduent, regarding a systemic failure of notice in the XXXX XXXX XXXX settlement ( Case No. XXXX, XXXX. XXXX. ). Despite being a class member with denied fraud claims during the XXXX period, I was never notified of the {$1.00} XXXX settlement or the XX/XX/2024 deadline. This lack of notice constitutes a violation of due process and the court-approved notice plan. I have formally contacted the Settlement Administrator ( XXXX ) and the Corporate Secretary for XXXX XXXX XXXX ( XXXX XXXX ) to request a " Good Cause '' late claim acceptance. Given the recent merger between XXXX XXXX and Comerica and the ongoing transition of federal benefit management, I am requesting that the CFPB oversee this matter to ensure that cardholders who were bypassed by the notice plan are made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: AL

Complaint narrative:
Contract Callers Inc Is trying to Collect a debt from XXXX XXXX. They state that I had an account enabled for 2 months. Which is incorrect. I was not at this address during the dates stated. The address is an apartment. which would be a year lease. So why would I enable gas somewhere for 2 months especially somewhere I don't stay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am writing to formally express my complaint regarding the lending and enrollment practices and misconduct used by XXXX XXXX XXXX ( XXXX ), when I attended the school ), which I believe relied on misleading and unfair tactics to persuade studentsmyself includedto obtain private loans that were neither necessary nor presented with full transparency. During the enrollment process, XX/XX/year>, XXXX XXXX emphasized that since I already held an XXXX XXXX, I would not need the normal financing amount of {$50000.00}, since I would only be taking half of the courses. But as time went on, I was made to believe that private financing was the only viable option to continue and complete my education. By the time I completed my program, which was less than XXXX years, I had {$50000.00} in private student loans, the cost of taking all the courses as if they did not apply previous courses from my XXXX XXXX. This does not include the Federal Loans that were also taken. At no point was I given adequate information about alternative funding sources, other federal loan options, available grants, or the long-term financial consequences of selecting high-interest private loans. Instead, the schools financial aid staff created an environment of pressure and confusion, making it extremely difficult to make a well-informed decision. I was told on numerous occasions that I had exhausted my funds and I needed to either take out more loans or pay out of pocket. In addition, key details such as repayment terms, interest rates, and the comparative risks of private loans were minimized or omitted entirely. Rather than acting as advisors, XXXX representatives behaved like salespeople, rather than genuine student support specialists. This lack of transparency led me to take on substantial private debt under the mistaken belief that it was my only path to remain enrolled or avoid academic disruption. These practices disproportionately affected me, as I was unfamiliar with the student loans portion of financial aid systems, since at that point, I had never taken out any loans for education. I trusted the university to provide honest guidance. By withholding critical information and applying undue pressure for private loans, XXXX created a situation in which students, like me, were guided into financial commitments that we did not fully understand. I believe these actions constitute predatory and unethical behavior. Students should be able to rely on their institution to provide clear, accurate, and unbiased information about their financial obligations. Instead, XXXX utilized deceptive practices that prioritized financial gain over students long-term well-being.

Company response to consumer: Closed with explanation