vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My husband, adult caught and myself were all called from a phone number/company ( XXXX and XXXX XXXX XXXXhat came up as potential spam. The XXXX that was left was threatening to come to our house, a man and a woman, take pictures of our property and submit to put a XXXX on our house. My husband called them back, and they provided an old credit card account that had been paid off and closed IN GOOD STANDING, never in collection. The gave my husband a different phone number for me to call back, but when I did, it was an automated phone number and a man 's name ( XXXX XXXX to leave a XXXX, with no option to dial the extension number previously given to my husband. A second phone number was given to my husband, which I also called. I younger male answered, who would not give me his name, and when I asked for the extension of the female that my husband previously spoke to, he stated she " could not come to the phone, she is wrapping things up with another client on the other line ''. I explained to the male that I had already called the creditor ( XXXX XXXXComenity Bank XXXX and my credit bureau XXXX XXXX who confirmed I do not have/owe the debt. The male stated " well, it wouldn't show because it's in pre-litigation, but we can get that taken care of for you today ''. When I refused to provide info, he stated the female would email and return a call to me later, and the phone call ended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing this statement with sincerity and urgency regarding my XXXX XXXX credit account with Comenity Capital Bank. I respectfully request a full and fair reinvestigation of this matter, as it has caused unexpected financial and credit harm due to misunderstanding, lack of clear communication, and incomplete access to account information. On XX/XX/2025, I received a service at XXXX XXXX and was offered a store credit card during checkout. I accepted based on the information provided at the time. However, I was never given a physical card, account number, or clear explanation of how the credit account worked, including payment responsibilities and access instructions. After the service, I experienced an issue and returned to XXXX XXXX for resolution. The store reviewed the matter and issued a refund on XX/XX/2025 ; however, the tip amount was not included in the refund. At that time, I was clearly informed that the issue was fully resolved and that no further action was required from me. Based on this information, I believed the matter was completely closed. Later, I was unexpectedly contacted regarding a remaining balance, late fees, and negative credit reporting. This came as a complete surprise, as I had no clear understanding that any balance remained or that I had an active repayment obligation. I only became aware of the seriousness of the situation later, when the account had already been reported. I want to clearly and respectfully state that my intention was never to avoid payment or act in bad faith. I acted honestly throughout the entire process. I relied on the information provided to me at the store and believed the matter had been fully resolved after the refund. At no point did I intentionally ignore any obligation ; rather, I was not given full clarity or access to understand the account status properly. Upon learning of the issue, I immediately made multiple attempts to resolve the matter with both XXXX XXXX and Comenity Capital Bank. Unfortunately, my dispute was closed due to missing information, without correcting the credit reporting or fully addressing the concern. This situation has had a serious impact on my financial standing and has caused significant stress, as I have always acted in good faith and tried to resolve the issue responsibly. I respectfully request a full reinvestigation of this account, correction or removal of negative credit reporting, removal of late fees, and a review of how the credit account was opened and communicated. I also request confirmation of the final and accurate account status. I am not refusing responsibility. I am requesting fairness, transparency, and correction of a situation that escalated due to misunderstanding and lack of clear disclosure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing inaccurate billing and credit reporting on my XXXX/Comenity account ending in XXXX related to XXXXXXXX XXXX XXXXXXXX. On XX/XX/year>, I placed an online order for in-store pickup. When I arrived at the store, I declined the merchandise and did not take possession of the item. I was informed the order would be canceled and that I would not be charged. Despite never receiving the merchandise, Comenity charged the account and is now reporting the account as over XXXX days past due to the credit bureaus. I submitted a dispute to Comenity ; however, instead of properly investigating the validity of the charge, they treated my dispute as a goodwill adjustment request and denied it. This is not a goodwill request. This is a formal dispute regarding inaccurate billing and inaccurate furnishing of information. To date, no proof of pickup or possession has been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I got the XXXXXXXX XXXX XXXX XXXX through Comeity Capital Bank. I didn't realize I had charges on the account and so it accrued late fees. After I realized I called them and I paid everything off and requested to close my account. After a few business days I called back to ensure that I owe nothing and that the account was closed. I was told by the employee that my account was officially closed and I owed nothing. She reassured me I had nothing to worry about and I could walk away. I was told everything was taken care of and accounted for. However I got a new bill the next month for interest. I just want to be done and move on. I'll pay whatever, I just want them to be honest about how much I owe and let me pay it. They are not being forthcoming with the truth and they are exploiting me. I called the company about the new bill and that's when a new employee told me I still had to pay interest from my previous statement before my account closed. I was sent to collection and they did not answer my call due to the holiday weekend. However, this needs to be reported and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
Reference complaint XXXX New documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Date : XX/XX/year> To : XXXX XXXXXXXX XXXX XXXX XXXX. Re : Formal Dispute CREDIT ACCEPTANCE CORP I am submitting this formal dispute pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681i and 1681s-2 ( b ), regarding inaccurate and unverifiable reporting associated with CREDIT ACCEPTANCE CORP account number ending in XXXX. The account is reporting : * Repossession status * A balance of {$11000.00} * Monthly derogatory reporting extending into XXXX I dispute this reporting for the following reasons : 1. The reported balance exceeds the original balance and appears inaccurate and misleading. 2. The account history suggests possible unlawful re-aging under 15 U.S.C. 1681c ( c ). 3. I request strict proof of : * Date of First Delinquency, * deficiency balance calculations, * auction accounting, * chain of accounting records, * and all documents relied upon during verification. Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation and provide the method of verification used. Please provide : * all documents reviewed, * name of party verifying, XXXX XXXX XXXX XXXX XXXXXXXX XXXX compliance data, * and complete payment history. Failure to conduct a reasonable investigation after notice of dispute constitutes noncompliance under : * 15 U.S.C. 1681s-2 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I reserve all rights without prejudice pursuant to UCC 1-308 and UCC 1-103 . If this account can not be fully verified with competent evidence, I demand immediate deletion from my consumer report. Sincerely, XXXX XXXX

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 2026-05-25 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: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: PA

Complaint narrative:
I am filing a formal complaint regarding a loan I received from your company. The terms of the loan, including the true interest rate and repayment structure, were not clearly explained or properly disclosed to me at the time the loan was issued. Throughout the repayment period, automatic withdrawals were taken from my bank account every other week. The vast majority of these payments appeared to go toward interest and fees, while only a very small portion was applied to the actual principal balance of the loan. This was never clearly communicated to me and was misleading and financially harmful. The loan has since been paid in full. by the amount i borrowed. Despite this, I continue to receive repeated calls, saying i owe them hundreds over what i initially borrowed and also already paid towards my loan over the duration of 6 months. harassment, and threatening statements from representatives claiming I still owe money. I have also received threats suggesting individuals m ay come to my home, which has caused significant stress and concern. I believe these actions may constitute unfair, deceptive, and abusive lending and collection practices. I am requesting the following immediately : 1. Immediate cessation of all collection calls and harassment. 2. A complete accounting and payment history for the loan. 3. Investigation into the conduct and practices associated with this loan. If the harassment and collection attempts continue, I am prepared to pursue additional complaints through state and federal consumer protection agencies and seek legal counsel regarding my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding Credit Systems Intl In for inaccurate credit reporting, unlawful reinsertion of a deleted account, and failure to comply with the Fair Credit Reporting Act ( FCRA ). The account being reported by Credit Systems Intl In DOES NOT belong to me. I have previously disputed this account with the credit reporting agencies, and it was investigated and deleted from my credit file. Despite this deletion, the account has been reinserted onto my credit report without proper notice and without lawful verification. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ), a previously deleted account can not be reinserted unless it is properly verified and the consumer is notified in writing within 5 business days of reinsertion. I did not receive any such notification. Additionally, under 15 U.S.C. 1681s-2, furnishers of information have a legal duty to report accurate information. Reporting an account that does not belong to me is a clear violation of this requirement. This situation demonstrates : Failure to ensure maximum possible accuracy Failure to conduct a reasonable investigation Unlawful reinsertion of previously deleted information Reporting of information that does not belong to me I am requesting the following resolution : Immediate and permanent deletion of this account from all credit reporting agencies Written confirmation that this account will not be reinserted again Documentation showing how this account was verified and determined to belong to me Identification of the original creditor and any supporting documents bearing my signature If this matter is not resolved promptly, I am prepared to pursue further action for violations of the FCRA, including seeking damages. I have attached supporting documentation showing that this account was previously deleted and that no proper reinsertion notice was provided. This is my formal complaint and request for investigation. I have never had any dealings with this company. Their continuous refusal to cease and desist has caused me undue stress and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crow Creek Sioux Tribe
State: NV

Complaint narrative:
River Valley Loans is charging me for a loan I never received nor applied for. I dont want to give their fraud department since I've never heard of this company. They send me emails to repay the amount owed but I never received any such loan from them. Their information is : XXXX. Wahido Lending DBA River Valley Loans XXXX. XXXX XXXX XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: VT

Complaint narrative:
I used Daves XXXX service and had an outstanding settlement balance of approximately {$30.00}. Dave claimed it had authorization to continue attempting electronic collection from connected accounts and cards until the balance was paid. On XX/XX/year>, I revoked Daves authorization in writing to debit or access any external bank account, debit card, or linked payment method. I clarified that I was not asking Dave to cancel the alleged balance ; I was only revoking authorization for further electronic debit attempts. Dave repeatedly responded that revocation did not apply because the XXXX settlement was a single authorized electronic transfer. However, Dave also stated that the agreement remains active while there is an outstanding XXXX balance and that Dave may make additional transfer attempts later. I believe th ese positions are inconsistent : Dave is describing the authorization as both a one-time transfer and an ongoing authorization for repeated future debit attempts. I asked Dave multiple times to provide the specific agreement language and legal basis authorizing repeated future debit attempts after my written revocation, including the timing, frequency, retry limits, amount calculation, and authority to debit multiple connected accounts or cards. Dave did not provide the requested specific language. Instead, Dave continued to state generally that the agreement remains active until the XXXX balance is settled. After I revoked authorization, Dave attempted another debit card transaction. My financial institutions app showed the transaction was declined because my card was locked. I believe this post-revocation debit attempt was unauthorized. Dave has not provided the specific authorization language showing that it may continue attempting debit card charges or other electronic transfers after written revocation. I am requesting that Dave stop all further electronic debit attempts, provide the specific authorization language it relies on, preserve all records related to the authorization and revocation, and confirm that it will not attempt further ACH debits, debit card charges, or electronic withdrawals from any linked external account or card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Deutsche Bank
State: WI

Complaint narrative:
On XX/XX/XXXX, XXXX wired transfer money from my bank account in XXXX, to my XXXX XXXX account, until today, the money has not been credited. Previously it only took XXXX XXXX. I did this process for many years to pay for my XXXX issued credit cards. The intermediary bank is XXXX, XXXX. XXXX XXXX, my wife did the same process couple months XXXX and it took 14 days for money to be credited. This consumer abuse and misuse of funds for bank benefits, and many people incurr late fees for this delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: WA

Complaint narrative:
Diversified Adjustment Service is headquartered in XXXX but operates as a licensed collection agency in XXXX XXXX, where they have actively violated XXXX XXXX and federal consumer protection laws. Regarding Account # XXXX, this agency has engaged in documented harassment and statutory violations : 1. Harassment ( XXXX XXXX ) : XXXX law strictly prohibits a licensed collection agency from communicating with a debtor more than XXXX times per week. Diversified Adjustment Service contacted me XXXX times within a single one-week period. 2. Willful TCPA Violations ( 47 U.S.C. 227 & FCC 24-24 ) : On XX/XX/year>, I sent a formal " Cease and Desist '' and revocation of consent via text to their short code XXXX. Their automated system willfully ignored my message and initiated XXXX ( XXXX ) subsequent automated contacts. Under the FCCs Report and Order ( XXXX XXXX XXXX. XXXX ), a consumer may revoke consent in " any reasonable manner. '' Their failure to maintain software procedures to recognize a clear textual legal dispute constitutes a willful, actionable violation. 3. FDCPA Violation ( 15 U.S.C. 1692g ) : The agency failed to send a mandatory written validation notice via XXXX Mail within XXXX days of their initial contact. I sent a formal legal notice regarding these violations to their corporate compliance management team on XX/XX/year>, but they refused to respond or resolve the issue. I am requesting that the Attorney General investigate this agency 's blatant disregard for XXXXXXXX XXXX XXXXXXXX limit and their systemic failure to honor digital consumer revocation of consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: EAST WEST BANK
State: CA

Complaint narrative:
I got a call from East west bank employee XXXX who refused to give her last name and hung up on me instead I have issues with my check being on hold with XXXX XXXX XXXX and the companys funds is with East west bank she asked me to do her job and hung up on me which is very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: Exto Inc.
State: OK

Complaint narrative:
I disputed charges with Atlas because I paid for XXXX XXXX on XXXX, and the merchant deactivated my account before the subscription period ended. This removed my access to the XXXX XXXX I paid for, meaning the services were not fully rendered. Atlas denied my dispute using the reason services fully rendered, which does not match the facts of the case. I repeatedly explained that I lost access to the service before the subscription term was complete, but Atlas did not address this in their decision. I requested the documentation used in the investigation XXXX times, including the merchants evidence and the basis for the denial. Atlas ignored every request and did not provide any of the required dispute documents. I am requesting a proper review of my dispute, the documentation used in the investigation, and confirmation that Atlas followed required disputehandling procedures.

Company response to consumer: Closed with explanation