vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
For over XXXX years, XXXX has been charging me a cash advance fee, and I never received a cash advance on the card.

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 monetary relief
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: MD

Complaint narrative:
I am submitting this complaint regarding accounts being reported or pursued by multiple companies that I do not believe I am responsible for. I have received communications from XXXX, XXXX Loan, and most recently a summons from XXXX XXXX XXXX. I dispute these alleged debts in full. XXXX I was notified of a balance that I do not recognize. I have not authorized or opened any account associated with the charges being claimed. XXXX XXXX A loan account has been reported under my information ; however, I did not authorize or receive any loan from this company. XXXX XXXX XXXX I recently received a court summons attempting to collect on a debt that I do not recognize and did not authorize. I have not entered into agreements with these companies for the amounts being claimed. I am requesting full validation of these debts, including documentation bearing my signature or proof of authorization. I believe these accounts may be the result of identity theft or reporting errors. I am requesting that the companies investigate this matter immediately and remove any inaccurate reporting. I also request written confirmation of their findings. Thank you for forwarding my concerns to the companies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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: Untimely response
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I called and told them I didn't approve the phone lines. I never switched and I called to resolve this 3 times. They just always say its under review and do nothing. I did not sign anything. I repeatedly asked for letters and got nothing. I only found out when i got a collections notice 6 months after the account was closed and have been trying since then

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Snap Credit, Inc.
State: AZ

Complaint narrative:
I am requesting that Credit Key investigate this account and financing structure, zero out the balances on the XXXX disputed orders, refund any fees associated with those orders, correct any inaccurate account reporting, and reimburse any documented damages I can prove were caused by this matter. I also request that Credit Keys disclosures and practices with XXXX Business be reviewed for fairness and compliance. The way this matter was handled raises concern that the relationship and operational coordination between Credit Key and XXXX Business may be inadequately disclosed or structured in a way that contributes to unfair or harmful outcomes for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BHA Services
State: VA

Complaint narrative:
I want to report a company that is trying to scam me. A company called XXXX services called my work on XX/XX/XXXX claiming i owe a debt from XXXX XXXX from XXXX. I didn't take the phone numbers that they called from yesterday, but today they called me from XXXX and XXXX ( yesterday it appears they called me from XXXX ). I have had debts with XXXX XXXX which I have paid either in full and I had a bankruptcy many years ago. I don't know if this debt is real or they just saw my information in a bankruptcy report, it's made up, or viewed from a credit report. I just know that I don't owe this debt since my record is clear and doesn't show past due balances from that year other than my student loans. A rep called my work first saying that they didn't know the reason of the call but that a supervisor wanted to speak with me ; since this looked like a scam, I hung up. A man claiming to be the supervisor called me immediately and said that he was calling to collect the debt mentioned above. I responded indicating that I was not the person he was looking for and he said that he sent several collection letters to my address and he told me my address and social security number, he asked me to confirm whether that was my information and I didn't. I asked him to not call me anymore since I don't owe anything and he continue to be aggressive, so I asked him to send me a letter and he refused saying that the company already sent several letters. I then asked him, I said formally, to stop calling my work number and since he kept talking, I hang up. He called me immediately saying that he wouldn't stop calling just because I hang up on him and I reply again that I am formally asking to stop calling and hung up. This morning I received again XXXX calls from the numbers above, I called thinking that it was XXXX of my students ( I work in the financial aid office at a school ), and the person answered the phone, said my name and that they will transfer me to a supervisor ; I hang up. I called the second number and the same situation. I then XXXX the name of this company and notice that there were complains about them because of the same collection calls for debts that they didn't owe and said it was a scam. This is why I placing the complaint.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc.
State: CA

Complaint narrative:
I applied for and was approved for a XXXX credit visa card and I never received it. I've updated both mailing and home addresses, tried calling customer service and it's impossible to get through to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I have asked this company several times to send me a debt validation letter with everything attached see attachments. They have told me in last complaint a signature is not provided for internet through XXXX yes it is required. If they cant not provide me with a full debt validation letter I want the debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: NY

Complaint narrative:
My belongs were stolen and I dont know where these things coming from like my New York State id and my social security

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 2026-02-27 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I first reached out to XXXX XXXX regarding charges on my XXXX XXXX that I did not authorize. The charges occurred on XX/XX/XXXX ( {$290.00} ), XX/XX/XXXX ( {$290.00} ), XX/XX/XXXX ( {$290.00} ), and XX/XX/XXXX ( {$290.00}, already refunded on XX/XX/XXXX ). I did not authorize a recurring XXXX subscription and believed I was making a one-time purchase. No products or medications were delivered. XXXX XXXX verbally promised to credit my account within 57 days, but no refunds were issued except for the XX/XX/XXXX charge, and the merchant stopped responding. I then contacted Comenity Bank ( XXXX XXXX ) multiple times, both by secure message and by phone, requesting a goodwill review and escalation to XXXX XXXX. I was told the charges are outside the XXXX dispute window, but I am pursuing this because these are unauthorized recurring charges with merchant misrepresentation. I am requesting a review of the remaining three charges and a formal written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am formally disputing the recent reduction of my credit limit from {$7800.00} to {$2900.00} while my balance remained approximately {$2800.00}. This action caused my account to report at nearly 98 % utilization despite my account being in good standing with no late payments or negative payment history. The result is an artificially inflated utilization level created solely by Synchronys decision, not by increased borrowing or deteriorating payment behavior. This has caused measurable harm to my credit profile. Given my consistent on-time payment history and the correction of the external reporting error relied upon in your decision, maintaining this reduced limit appears unreasonable and punitive rather than risk-based. I am requesting an immediate manual reassessment using my current and corrected credit report and restoration of my credit line to a level that accurately reflects my demonstrated credit behavior. At minimum, a partial reinstatement is warranted to eliminate the manufactured 98 % utilization currently being reported. Please provide a written explanation of the specific criteria being used to justify maintaining this reduction despite corrected credit data and continued positive account performance.

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 2026-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
I was charged multiple times by a credit repair company for services and dispute work that was never completed. I repeatedly requested updates, proof of disputes, and documentation of the work I paid for, but the company never provided it. After months of payments, no results were delivered, and communication became inconsistent. I attempted to resolve the issue directly with the company and through my bank, but nothing was fixed. I am requesting that these charges be reversed because the services were not performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
In XX/XX/XXXX I filled out an application for a loan due to having cash flow issues with my business. Upon them reaching out by phone afterwards and seeing the terms of this loan I informed the gentleman that I would consider accepting the loan but I was very persistent that I wanted to make sure verbally that I was not accepting the loan for {$1200.00} due to the amount of interest due and having to put my banking information in the application. A day or so later I looked into my account and there was {$1200.00} deposited by them. I called them immediately upon doing so and the person I was talking to informed me that I could pay off the initial loan amount in full at any time so I did not panic as much after this reassurance ( and I would hope these conversations are all recorded ). So I also have accumulated XXXX in VIP points which it says XXXX dollar towards your principle as of XX/XX/XXXX. I again called Willow Lake Lending to discuss how to use my points because in theory on their website under my account my payoff amount was approximately {$2200.00} from my recollection. I went back and forth with the person on the phone saying at the time I had enough points to use to the total payoff amount and if anything I had already overpaid by {$1300.00}. He then stated in order for me to use my points I needed to pay an additional {$570.00} from a missed payment in XXXX of XXXX. I again informed him that I would not be paying that because in theory I have already overpaid significantly and if I could simply use my points to pay off my loan I would leave it at that and not seek the overpayment and I would not be paying any additional funds. I intentionally took out the funds from my account in order to ensure this happend and today on XX/XX/XXXX my overdraft covered the funds and they were paid an additional {$570.00} which I have challenged with regions bank as well in hopes of recovering. I now have a total payoff amount of {$1700.00} and accumulated XXXX points and as I see it have overpaid {$2200.00} already and they insist that I pay the XXXX amount in order to use my points. If I continue to make payments they will have been paid {$9200.00} on a {$1200.00} loan. To date I have already paid them {$4000.00} which is more than XXXX times what I borrowed.

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 2026-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: POWERPAY, LLC
State: VA

Complaint narrative:
Multiple months PowerPay , LLC failed to send a billing statement by mail so that I could pay my personal loan for the roof I placed on my home. When calling PowerPay the phone system frequently disconnects, redirects and places you in a call back queue which when it calls you back automatically hangs up. If you get in touch with someone they insist that you must pay online and charge a fee for online payment. My husband and ai decided to get a new loan through our credit union to get away from the awful billing practices of Power Pay and requested the payoff amount. We were finally given a payoff that was good for 30 days. When we paid it off, they contacted us for additional " daily interest '' that they said was incurred over the 4 days to pay them off at XXXX dollars per day. The loan payoff was literally going backwards with increased payoff every month. The inability to make payments was completely unfair and after reporting to the BBB ( complaint of reference XXXX ) found MANY people with the same complaints. PowerPay , LLC needs to be shut down as a viable financial lender.

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 2026-02-27 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: Benht: Economic Development Corporation
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Birch Lending regarding a personal loan issued to me. Since entering into this loan agreement, I have experienced the following issues : I have never been provided a complete copy of my signed loan agreement. I have not received clear Truth in Lending disclosures, including XXXX, total finance charges, and repayment schedule. My online account access has been XXXX due to login credential failures and non-functioning password reset tools. Customer service has been unresponsive to repeated attempts to contact them. Despite the above, Birch Lending continues to withdraw substantial funds from my personal bank account via ACH transfers. As a consumer, I believe this conduct may violate federal consumer protection laws, including but not limited to : The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and Regulation Z, which require clear and accessible loan disclosures. The Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E, governing authorized electronic withdrawals. Potential unfair, deceptive, or abusive acts or practices ( UDAAP ) under federal consumer protection standards. I have formally revoked ACH authorization and requested complete documentation of the loan, including : The signed loan agreement Full Truth in Lending disclosures Itemized payment history Current payoff balance Copy of XXXX authorization To date, these documents have not been provided. I am requesting that your office investigate Birch Lendings practices, including : Failure to provide required disclosures Continued withdrawals without providing account access Lack of responsive customer service Potential predatory lending practices Possible evasion of state lending regulations under a claimed tribal affiliation I am prepared to provide bank statements, communication records, and documentation of failed login attempts upon request. Thank you for your attention to this matter and for protecting consumers from potentially unlawful lending practices. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I called to find out why 50 % of my monthly payment is going to interest payment, for example, statement due date of XXXX, {$150.00} payment sent and {$64.00} went to pay interest. The person I spoke with explained their math but could not explain why so much money is going towards interest payment. I understand the apr rate but this monthly interest charge does not equal the apr rate.

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 2026-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I opened a COMENITY XXXX XXXX card at XXXXXXXX XXXX XXXX. made a purchase for {$690.00} on XX/XX/XXXX. I paid the bill from my bank account on XX/XX/XXXX. The due date was XX/XX/XXXX. I tried to use the QR code on the bill but it did'nt work. The bank verified that they sent payment on XX/XX/XXXX and the postoffice scanned the payment in XXXX TX where the payment address was located on XX/XX/XXXX. I received my second bill with a late fee, interest and a paper statement fee on XX/XX/XXXX COMENITY didn't cash the check until XX/XX/XXXX ... 2 days late. I got proof from the bank that the payment was sent and received in XXXX TX a full week before it was due. COMENITY representative told me that they receive payment for many credit cards and it can take up to 15 days to process payments. After my second call they reversed the {$30.00} late fee but would not reverse the {$15.00} interest or the {$2.00} paper statement fee. " they can't do that ''. I paid the bill in advance and there was no paper statement fee on my first bill and didn't make any further charges. I didn't agree to the paper statement fee and there was no additional purchases to charge interest to. This was a mistake on the credit card side. I talked to 4 people at COMENITY and 2 and my bank and spent an entire morning trying to resolve the problem. I paid the bill in plenty of time. This is extortion and fraud on COMENITY 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: HI

Complaint narrative:
on XX/XX/year>, I applied for a new Etrade bank ( Morgan Stanley ) checking account. On the application, I forgot to enter the word " The '' on the name of my trust account. The bank did not communicate with me this error for over XXXX days. I had to make multiple lengthy phone calls ( to date XXXX in total each over XXXX minutes each time ), to discover this missing information, speak to multiple CSR agents and supervisors and send in corrected documentation requesting the update, which has never been completed as of today XX/XX/year>. Yesterday, XX/XX/year>, I was not able to access the newly created account online. In speaking with customer service I was told to reach out to their XXXX group ( research and resolution. ) Upon calling in today, I can not speak to anyone in XXXX as they do not want to speak to me and am forcing me to re-explain XXXX phone calls to a new CSR and per the CSR the XXXX agent DOES NOT SEE the multiple documents that I previously uploaded to their system per their request to do so to correct the mistake ( www.Etrade.com/docupload ) and gain access to my account online. I am literally locked out of my account and can't access my funds due to their internal " security '' measures. I am currently on hold on the phone yet again, trying to have someone close the account, reimburse me for outgoing wire fees, which I was told that I would be reimbursed for due to the account being " new '' for XXXX days and I would not have access to their online wire system to order the wire myself. This is the list of agents that I have spoken to thus far, and this is not an inclusive list : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX and supervisors : XXXX, XXXX and today XXXX. At this point, I want the checking account closed, funds wired to me at no charge and reimbursement for my initial outgoing wire sent on XX/XX/year>.

Company response to consumer: Closed with explanation