vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding Security Credit Services for attempting to collect and report a debt that does not belong to me and for using documentation belonging to a completely different individual. 

In response to my written debt validation request, Security Credit Services provided documentation that clearly belongs to another person. The attached records include a different Social Security number, a different date of birth, a different residential address, and a drivers license from another state. None of this information matches my identity.

Despite this, Security Credit Services stated that their records confirm I am correctly listed as the responsible party. This assertion is false and directly contradicted by the documents they provided.

This is a clear case of a mixed file and misidentification. Using another individuals personally identifiable information to justify collection activity against me constitutes a violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ) and 1681i ( a ) ( unreasonable reinvestigation ), as well as the Fair Debt Collection Practices Act, including 1692e ( false or misleading representation ).

Additionally, Security Credit Services improperly disclosed sensitive personal information ( Social Security number and date of birth ) of a third party to me, raising serious privacy and compliance concerns.

I am requesting that the CFPB require Security Credit Services to : Immediately cease all collection and reporting activity related to this account.

Acknowledge that the debt does not belong to me due to misidentification. 

Correct their records and notify all consumer reporting agencies to delete any tradeline associated with this account. 

Confirm in writing that no further collection or reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the alleged debt referenced in your records. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the debt collector must stop contacting the consumer except to confirm cessation of communications or to notify of specific legal action. 
You are hereby directed to stop all forms of communication with me, including but not limited to phone calls, voicemails, emails, text messages, and postal mail. Any further contact from your company that does not comply with the FDCPA will be documented and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the California Attorney XXXX XXXX, and any other appropriate regulatory agencies. 
This request does not constitute an acknowledgment or acceptance of any debt, nor does it waive any rights or defenses available to me under federal or state law. 
Please confirm in writing that you have received this notice and that all communications have ceased, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I discovered recurring withdrawals beginning in XXXX from Acima in the amount of approximately {$150.00} per week. 

I previously had XXXX authorized contract with this company related to financing a set of tires. However, I later discovered additional charges that were not authorized and were separate from my original agreement. 

I contacted Acima and requested a copy of the second contract associated with these additional charges. Acima was unable to provide any signed agreement, authorization, or proof that I approved these withdrawals. 

Despite the merchants inability to produce a contract, my bank refused to take corrective action because Acima is a known merchant. I believe these charges are unauthorized and constitute improper debiting of my account. 

I am requesting that these unauthorized charges be investigated, refunded, and permanently stopped, and that my bank properly fulfill its obligations under consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: INDEPENDENT BANK CORP.
State: NH

Complaint narrative:
XXXX XXXX XXXX Enterprise Bank When they did the transition, they shut off access to our bank account for XXXX days Since these are business accounts, for XXXX XXXXn, XXXX and XXXX XXXX XXXX XXXX both of which are my companies this caused catastrophic problems for our company because none of our auto pays would work and it was many problems with the transition, and it was very poorly planned As a result, our company has lost over {$100000.00} in cost in revenue. 

The bank has been unwilling to address the issue and instead charged XXXX exorbitant fees because we decided to change to another bank We are looking to recover our damages cause from their transition and lack of planning and technical problems We are a small company and these problems have been catastrophic and may actually cause the company to go out of business as a result leaving XXXX people unemployed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
Recently, I file a dispute on Affirm to get my money back from a merchant on XX/XX/XXXX. ( XXXX XXXX I paid {$5400.00} ) I waited from XX/XX/XXXX to XX/XX/XXXX just for them to tell me XXXX XXXX gave me back {$5100.00} .Affirm supervisor helped me and told me that should only be charge interest on the amount used instead of paying {$520.00}. After the adjustment I should only used {$290.00}. I started XXXX cases with them XXXX was case # XXXX and case # XXXX. Another supervisor messaged me to do a payment before they issued a refund. Today, XX/XX/XXXX, another supervisor told me that this XXXX is not eligible for an interest refund. I recorded XXXX conversations with the merchant to prove that were lying to me. Please help me to get through this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I am filing this complaint against Sunrise Credit Services, who is now attempting to collect a vehicle loan debt that I have already disputed. 
> > I was the * * co-signer not the borrower or owner, on a vehicle loan originally held by * * XXXX XXXX  * *. The vehicle was * * repossessed without notice * *, and my personal propertyincluding items for my granddaughter with autismwas never returned. 
XXXX > The debt was then passed to XXXX XXXX and now to Sunrise Credit Service who is calling me directly, asking for my date of birth, and claiming I am the borrower. This is false and harmful misrepresentation > > I have : > - Disputed the debt in writing > - Sent a certified letter to Sunrise > - Sent a certified letter to the NJ Attorney General in XX/XX/year> ( no response ) > - Filed a prior CFPB complaint ( ID : XXXX XXXX XXXX This is not a duplicate complaintit is a new violation by a different company * * that is now attempting to collect a disputed debt under false pretenses. 
> >What I Want : > - Immediate cease of collection activity > - Full debt validation > - Correction of my role as co-signer > - Investigation into misrepresentation and harassment > - Accountability for the mishandling of personal property and misleading debt claims. your personal property was left in the vehicle and never returned * *, including items for your granddaughter with XXXX - This is a * * specific, documentable harm * * that strengthens your case and makes it harder for them to dismiss. 
- It also signals that this is * * not just a financial dispute * *, but a * * consumer protection and personal property 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 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was gifted a prepaid visa card through XXXX Has {$50.00} on it. Can't use at any store. Called the company ( XXXX ) and they want me to upload a photo of my driver 's license because they say the card has had fraudulent activity ( which it does not ). I don't think this is right to ask for my personal information for a XXXX XXXX XXXX. What are my options? I've read other people having problems with this company.

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 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Lloyd & McDaniel, PLC
State: SC

Complaint narrative:
Lloyd & McDaniel ( Collection Agency ) My husband is trying to refinance our mortgage. XXXX XXXX XXXX has been trying to get the payoff on the credit card from XXXX XXXX, in my name ( Debit purchased by L & M ), for TWO weeks and NO response. Friday the loan officer called and left & XXXX and an offer, still NO response. I faxed the information to L & M, NO response. I filled a COMPLAINT on their website, No response!! The refinance rate will be lost in TWO days because of L & M 's flagrant disregard for us the consumer! 
PH : ( XXXX ) XXXX FAX : ( XXXX ) XXXX XXXX Mailing Address : Lloyd & McDaniel , PLC XXXX. XXXX XXXX XXXX, KY XXXX Office Address : Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX Submission Success/complaint form Message : Your message was successfully sent. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MA

Complaint narrative:
I am a resident of Massachusetts. I hold a U.S. Bank XXXX XXXX credit card ( account ending in XXXX ). The annual fee of {$400.00} posted on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted U.S. Bank to close the account and requested a pro-rated refund of the annual fee in accordance with Massachusetts General Law Chapter 140, Section 114C. This statute mandates that if a cardholder cancels a credit card agreement at any time during the year, they " shall receive a refund on a pro-rata basis of two-thirds of the annual fee. '' U.S. Bank refused this request, citing a XXXX-day internal policy. I am asserting that internal bank policy does not supersede state consumer protection statutes. As a consumer, I am entitled to this refund under the law. 

Hence, I am requesting U.S. Bank to issue a refund of approximately {$260.00} ( representing two-thirds of the {$400.00} annual fee ) to close this complaint.

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 2026-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding deferred-interest charges applied to my XXXX medical credit card issued by Comenity Capital Bank XXXX 

I've used this card for a laser treatment after being encouraged to enroll in a promotional no interest financing offer. At the time of enrollment and purchase, it was not clearly disclosed that this was a XXXX XXXX if XXXX in Full deferred-interest plan in which interest accrues retroactively from the purchase date if the balance is not paid in full by the promotional deadline, which was 12 months at the time of first purchase. 

I enrolled in automatic payments and paperless statements immediately and made all required payments on time. After the promotional period ended on XX/XX/year>, Comenity Capital Bank applied a deferred-interest charge of {$590.00} in a single billing cycle in XX/XX/year>. This charge was retroactive, unexpected, and disproportionate, particularly given my perfect payment history. 

In addition, in XX/XX/year> ( XXXX stmt ), a separate purchase of {$280.00} was automatically placed into a different deferred-interest promotional plan with a shorter six-month term. This was not disclosed at the time of purchase. I was not made aware that this transaction carried a separate deferred-interest clock, a different expiration date, or retroactive interest at 31.99 % APR. It was also not clear that this new promotional plan applied to the full principal balance associated with the transaction rather than just the additional purchase amount. 

I contacted customer service as well as the hardship/account resolution department to request a one-time goodwill or courtesy adjustment. Despite my on-time payment history and good-faith efforts to resolve the issue, I was informed that the deferred interest could not be reversed and no meaningful resolution was offered. 

This {$590.00} deferred-interest charge resulted from merchant misrepresentation, incomplete disclosure, and failure to clearly communicate the promotional financing terms at the time of purchase. The retroactive application of this deferred interest created an unfair and unexpected financial impact. I am willing to pay the remaining principal balance, however, I should not be financially penalized for terms that were misrepresented or not adequately disclosed when the credit was offered. 

I am requesting CFPB assistance in obtaining a refund or credit of the deferred-interest charge of {$590.00} and a review of XXXX XXXX Banks XXXX and communication practices related to deferred-interest promotional financing, particularly where multiple promotions with different terms are automatically applied to a single account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
This was fraudulent debt and I got it removed in XXXX. But because we are working on getting a home, we pulled our credit and this scamming company decided to resubmit and get our credit dinged even though we had already solved this. And they have made XXXX attempt to call, mail, or email, and they are impossible to reach. 

XXXX is also at fault because we completely closed our account in XXXX of XXXX and they auto-billed us after we had already left the country. And they were impossible to reach and get it resolved. It should have NEVER been a bill, let alone sent to XXXX different debt collectors. And in XXXX I got this issue resolved with a different debt collector so obviously they are still selling false debt. Then when I called them and eventually went in person to a store, they were unhelpful and basically forced us to pay this false debt. This should be illegal!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I am the homeowner and lawful occupant of the property. The loan is not in foreclosure, and there has been no court action, no judgment, no writ of possession, and no eviction order authorizing entry or exclusion. 

Although I am several months behind on payments, I timely notified the mortgage servicer in writing that the property is occupied and entered into a payment arrangement. At no time did I abandon the property or relinquish possession. 

Despite this notice, the mortgage servicer authorized or failed to prevent a third-party property preservation vendor from entering my home without legal authority and changing the locks, effectively dispossessing me of my own property. This is the second unauthorized entry. 

The servicer and its vendor treated the home as abandoned without reasonable investigation or verification, despite clear indicators of occupancy and active renovations. Renovation activity, personal property, and construction materials were present in the home at the time of entry. Renovation does not constitute abandonment under Ohio law or federal servicing standards. 

The lock change wrongfully denied me access, interfered with my possessory rights, disrupted renovation work, and placed my personal property at risk. This conduct constitutes wrongful exclusion, trespass, and improper property preservation.

I believe the mortgage servicer violated federal mortgage servicing requirements, including its duty to : Properly oversee and control third-party vendors Avoid unfair or abusive practices Refrain from taking possession-type actions without legal authority Correct servicing errors after receiving notice of occupancy The servicers actions demonstrate a failure of internal controls and vendor management and reflect a pattern of treating delinquency as justification for self-help possession, which is prohibited. 

I am requesting CFPB intervention to compel corrective action and to prevent further unlawful interference with my property and possessory rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am writing to seek assistance regarding my Public Service Loan Forgiveness ( PSLF ) status, specifically concerning the processing of my payment count reconsideration and PSLF XXXX  request. 

My current qualifying payment count shows XXXX out of the XXXX required payments for PSLF. I am eligible for additional qualifying months due to delay in my qualifying payment history count and SAVE plan, which resulted in all of my loans put into forbearance status being since XX/XX/XXXX. I submitted a formal payment count reconsideration and buyback request on XX/XX/XXXX, to address these discrepancies. When I called Student Aid, the representative advised that the processing time would be approximately 15 days ; however, I have not yet received an update on the status of this request.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OK

Complaint narrative:
Company : Chime Product : Checking/Savings Account / Online Banking Complaint Title : Unable to Access Account & Identity Verification Failure SSDI Funds Blocked Complaint Description : I have been unable to access my Chime account since XX/XX/year> after my phone broke and I lost access to the app. When I got a new phone and tried to log in, the app denied access and would not send verification codes to my email or phone. 

I have spoken to multiple Chime agents over several calls and chats. I was told they could not verify my identity because their system flagged my New Mexico drivers license as a photocopy. it is not a photocopy. I have requested manual identity verification, escalation, and a device reset multiple times, but Chime has not resolved this. 

My Social Security Disability Insurance ( SSDI ) benefits are deposited into this account, and I can not access those funds. I need Chime to either restore my access or release my funds immediately. 

I have tried calling support and requested escalation. Please investigate this failed identity verification and the ongoing inability to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i paid XXXX XXXX for a service/video that was never delivered on XXXX XXXX2025 i contacted capital one and requested a refund because i had not received what i paid for. After i file the dispute, XXXX XXXX attempted to send me a screen shot of a video alone with a timestamp via email after i contacted my card issuer. Only after initiated the dispute did XXXX XXXX  attempt to respond in her own words via email i have timestamps clearly showing that XXXX XXXX tried to send a screen shot of a video, via email she claims she send after i had already contacted capital one for a refund. I still have these emails saved as proof. I submitted these timestamps to capital one as requested. Despite providing documented evidence that the service was not delivered and that the merchant attempted to respond only after the dispute was opened.my dispute was denied twice to be clear i paid for a service the final video was never delivered the merchant did not attempt delivery until after i requested a refund i followed all capital one dispute instructions and submitted supporting evidence. i am requesting a proper review of this matter, as i did not receive the service i paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX and XX/XX/2025, I was charged late fees as a result of not being able to log in to American Express ' website whilst on business travel overseas. In each instance, I called my spouse the next day to immediately make payment. I have been a customer for more than 20 years and always in good standing. Multiple phone calls with agents who both said credit would be given have yielded no results. As a matter of principle, I am against paying these fees due to system errors I could not control.

Company response to consumer: Closed with explanation