vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
My fiance ( also on the loan ) lost his job in early XXXX. We called Bridgecrest to inform them of the loss of his job, but still made the payment for the loan that month and advised them that we will be needing future help for the loan payments and asked if we could have two loan payments added to the end of our loan. They advised us that we have to be two months in arrears before they would do so. I called again at the end of XXXX and asked again if we could put two loan payments at the end of our payment schedule and was advised that we were not yet at the 60 days in arrears point and wouldn't be until XX/XX/XXXX, and at that time we would be allowed to add 2 of our payments to the end of our payment schedule. So I waited until today to ensure we were past our 60 day mark and called again. I was told by the customer service rep and a supervisor, XXXX, that we were never eligible for this option as we do not have enough loan history to qualify ( I was told we only have 5 months of payment history and needed 6 months to qualify ). Each month previously, the payments were made in-complete and on-time. Also, the two times previously that I called, the representatives had the history of my account and never told me I did not qualify for the extension, which I pointed out to the supervisor, XXXX. I am being punished for their mistakes and now have to make the decision of either making the choice of paying {$540.00} by XX/XX/XXXX to avoid repossession of the vehicle and risk the transportation to get me/my fiance to work or paying rent to keep a roof over our head. Times are so tough for us at this moment that we were unable to buy XXXX gifts for our children and we are struggling to buy food and pay our utilities, but Bridgecrest won't work with us for the unethical and unscrupulous mistake they made. I was told on TWO DIFFERENT phone conversations on TWO DIFFERENT DATES that I would be allowed to do this extension only to find out I am not eligible when I PLANNED AND BUDGETED FOR THIS EXTENSION TO HAPPEN. This should not be allowed to be excused when peoples livelihoods are at stake!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-01-09 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is a very stressful situation and I fill so violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mid-South Adjustment Co., Inc.
State: MO

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Called and asked for debt validation, never received it. Collections was added to my account in the amount of {$490.00} not my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2026-01-09 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: CA

Complaint narrative:
Called & sent letter to TRANSWORLD SYSTEMS INC ID XXXX ( password XXXX ) XXXX XXXX XXXX XXXX, DE XXXX phone : XXXX in response to a unsolicited email sent stating I owed a debt of {$180.00} to XXXX XXXX XXXX XXXX XXXX googled & called this company & explained I never had an account with them. They looked up my name & told me they had a previous account in XXXX  ( where I have never lived ) under an address I didnt know. They also stated that contact was paid in full.

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I used Moneygram to send money to the XXXX XXXX XXXXXXXX - first attempt was on XX/XX/XXXX - the money was never received - I contacted Moneygram and ask them to cancel - they said they would and the money would be refunded. 

I tried sending again on XX/XX/XXXX and the same thing happened. 

I spoke with them again on XX/XX/XXXX and was told they will not refund the money. 

The recipient has confirmed with me numerous times that they never received the money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: LA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accounts Receivable Management, Inc
State: FL

Complaint narrative:
During this call, the representative XXXX XXXX, mocked me, made degrading remarks regarding my personal circumstances, and engaged in harassing conduct, including audible laughter from others in the background. when asked the representative confirmed the call was recorded. I'm a Florida resident, this is clear FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime offered a {$100.00} referral/direct deposit bonus with a 45-day deadline. In the Chime app, I received an in-app banner stating my {$100.00} referral bonus is waiting with a countdown showing 4 days left, and it prompted me to set up direct deposit. Based on that countdown and messaging, I reasonably believed I still had time to qualify.

I attempted to follow the steps presented in the app and initiated a {$300.00} transfer/deposit to my Chime account via ACH. The transfer details show Delivery : 35 business days, which indicates Chime recognizes standard ACH processing time and that posting delays are expected.

When I contacted Chime support about the bonus, the explanation shifted. First, I was told eligibility would be denied if the transfer did not post by the deadline ( even if initiated before the deadline ). Later, I was told an ACH transfer was not sufficient because it was not a qualifying direct deposit for the bonus regardless of timing. I was also told the review decision would not be available until Monday, XX/XX/year>. 
I requested written documentation of the eligibility/denial criteria ( including whether eligibility is based on posting date vs initiation date, and whether ACH transfers qualify ), plus a ticket/reference number or other tracking identifier for the escalation and a secure message summary in the app. Chime stated they do not provide that type of information. At times the in-app support bot was also down, preventing written support access.

Because the app countdown and direct deposit prompts indicated I still had time and that the bonus was waiting, but support later denied eligibility based on criteria not clearly disclosed at the time, I believe the promotion is misleading and the denial is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XXXX XXXX I received an email " Action required : Verify suspicious credit card activity '' with a {$180.00} charge and a yes or no button asking if I authorized this transaction. It takes me to Bank of America mobile banking, which I can't login to as there was fraud last year on my account, and as I live abroad but am a US Citizen, I didn't receive a new physical card, and don't have the CVC or expiration date to validate the account.

I called Bank of America to resolve this. They can't access my account as I need to receive an authorization code to my old US phone number I no longer have access to. I also contacted them on XXXX XXXX, and was also told that is the only way they can authorize my account. 

I find it impossible to believe that I'm not able to report a claim about fraud they let me know about because I can't access mobile banking and they are not providing me another way to report this without flying to the United States from the XXXX to speak with someone in person.

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 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
1. I DID NOT receive my credit card in the mail. Therefore I had no idea how to log into my account to pay my bill.

2. A statement dated XX/XX/year> arrived at some time during the week of XX/XX/XXXX - XX/XX/XXXX with a due date of XX/XX/XXXX. 

3. I was going to pay it on time, however my XXXX XXXX XXXX XXXX  passed away due to sudden XXXX XXXX in XXXX on XX/XX/XXXX around midnight. I immediately left Virginia to drive to XXXX at XXXX XXXX  and reached there by XXXX XXXX after driving all night.

4. As you can imagine I did not have the mental capacity to remember to make the payment or carry the bill with me.

5. I only returned in the new year after the due date had passed. And during the week of XX/XX/XXXX - XX/XX/XXXX, I received another statement from Comenity Capital Bank that a late fee had been charged.

6. I called them and explained the circumstances that I was unable to pay because I was out of the country and to waive the past due fee due to exceptional family circumstances and they refused.

This is unacceptable as a consumer. Especially when I clearly explained the situation and even offered to send them the death certificate to prove my case. I expect all fees and interest to be waived before I make the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, a written request was sent via certified mail to American Credit Acceptance regarding a repossession matter. The request was for documentation under the Uniform Commercial Code ( UCC ), specifically : Notification before disposition of collateral Timeliness of said notification Contents and forms of the notification Explanation of any surplus or deficiency Copy of the retail installment sales contract Account payment history The company was given 14 business days to respond. As of XX/XX/XXXX, no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
XXXX XXXX XXXX engaged in misleading and deceptive collection practices during a telephone call with a representative named XXXX. 

During this call, the representative stated that legal papers are on my desk and indicated that payment was needed to prevent the account from proceeding further. This statement conveyed that legal action was imminent or already prepared.

The caller was not an attorney, XXXX XXXX XXXX is not a law firm, and no lawsuit had been filed, served, or otherwise initiated. No attorney contact information, court filing, case number, or written legal notice was provided before or after this call.

At the beginning of the call, XXXX XXXX XXXX stated that the call was being recorded. As such, a recording of this conversation should exist within XXXX own records and is capable of confirming the statements made by the representative.

Statements asserting that legal papers were on my desk imply legal readiness or authorized action. Under the FDCPA, such representations are misleading unless legal action is actually authorized and imminent. No evidence has been provided that legal action had been approved, scheduled, or referred to counsel at the time this statement was made.

This complaint does not dispute the existence of the debt. It concerns collection conduct, specifically the use of misleading statements implying legal action to pressure payment.

I believe this conduct violates 15 U.S.C. 1692e, including 1692e ( 5 ) ( threatening action not intended or not legally authorized ) and 1692e ( 10 ) ( use of false or deceptive means to collect a debt ).

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 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
When I signed up for automated payment I chose to pay in full all the time and the company was charging me interest. When I contacted them they said that it was set to a certain amount which does not make sense when I always chose to pay in full. I believe that their system is not legit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute Macys/Citibanks response dated XX/XX/2024, regarding the Macys account ending in XXXX, which I did not open, authorize, or use.

This account is the result of identity theft. I have never applied for or benefited from this account in any way.

Macys/Citibank continues to deny my fraud claim based on two assertions : that the account was verified using public records, and that receipts show transactions made with a debit card in my name.

Both assertions are factually and legally defective.

Public Records Claim The so-called public information relied upon by Macys/Citibank was itself the result of identity theft. Any data that may have matched my personal information during that period was fraudulently created or manipulated and is no longer reporting. Information generated through identity theft can not be used to verify identity or assign liability.

Receipt and Transaction Evidence The receipt documents provided by Macys/Citibank do not establish authorization. Critically, the identifying numbers appearing on those receipts ( including partial card numbers and account references ) are associated with other fraudulent accounts and cards that were opened in my name as part of the same identity theft.

In other words, the receipts Macys relies upon are linked to known fraudulent financial instruments, not to accounts or cards legitimately issued to or authorized by me. The presence of my name on those instruments is itself the harm caused by identity theft and does not establish ownership, consent, or liability.

Transaction activity occurring after an account has been fraudulently opened does not prove that the consumer opened or authorized the account. Macys/Citibank has failed to produce : A signed or authenticated credit application Proof of lawful identity verification at account opening Any evidence of my knowing consent Legal Violations Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Credit Billing Act, a consumer is not liable for accounts opened through identity theft. Creditors may not rely on disputed or fraudulent dataespecially data later determined to be inaccurateto deny a fraud claim.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: VA

Complaint narrative:
I sent a written letter through USPS certified mail to Discover Financial Service which arrived on XX/XX/XXXX. The letter was to formally dispute the minimum payment calculation, repayment disclosures, and variable-rate interest application for my credit card. The minimum payment that is being charged had 92 % being allocated entirely to interest making it extremely impossible to pay down the principle on the card. The disclosure on the statement says that paying only the minimum payment will take 49 years to repay which raises serious concerns about compliance with federal consumer-protection standards. I have asked Discover to provide a written explanation of how the minimum payment formula complies with the CARD Act, Regulation Z, and UDAAP standards, provide the exact formula used to calculate minimum payments on variable-rate account, recalculate and revise my minimum payment to ensure principal is reduced at a reasonable pace, review all repayment disclosures for accuracy, particularly when variable APR adjustments materially affect payoff timelines, and suspend additional interest accrual on the disputed portion of the balance during your investigation, as permitted under the Fair Credit Billing Act. I received an email from the executive office on XX/XX/XXXX stating they are in the process of investigating my concerns ; however, the account is not frozen or deferred during this time and the minimum payment is still expected to be paid on XX/XX/XXXX from the XXXX statement. I have another credit card through XXXX XXXX  that has a similar balance and their minimum payment has 60 % of the payment allocated to interest, unlike the 92 % Discover is allocating.

Company response to consumer: Closed with explanation