vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
This morning a received a notification that someone had logged into my XXXX XXXX account and applied to two accounts that I know of that was NOT me. both from Concord Credit cards one called XXXX Mastercard account ending in XXXX and concord credit and they showed up as XXXX and XXXX. I did not apply for those credit cards so please help and take those off my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
This is my second formal attempt regarding identity theft and security fraud reporting on my consumer reports with caine & weiner I am not requesting a reinvestigation under FCRA 611. I am demanding an immediate block and deletion under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), which requires the credit reporting agencies to block fraudulent information resulting from identity theft within XXXX business days after receiving proper identity theft documentation. I have already notified the bureaus that these accounts, inquiries, and related information are the result of identity theft and security fraud. Instead of complying with the law and blocking the fraudulent information, they are improperly attempting to reinvestigate the accounts, which is not the remedy required under Section 605B. This is a violation of federal law. Section 605B requires blocking and deletionnot verification, not reinvestigation, and not delay. Their continued reporting of fraudulent information is causing ongoing harm to my credit profile, financial standing, and ability to obtain fair access to credit. I demand immediate : Block and deletion of all fraudulent accounts, and associated personal information related to identity theft Written confirmation of the block and deletion The method used to continue reporting this fraudulent information The name of any furnisher claiming verification despite the identity theft claim Failure to comply will be considered willful noncompliance with the FDCPA and continued reporting of identity theft information after notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
On XX/XX/year>, I logged into the Roundpoint Mortgage servicing portal to make my monthly mortgage payment before the due date of XX/XX/year>. Despite my login and payment attempt, the payment did not process due to a technical error on the servicer 's website. I was not notified of any failure at the time. On XX/XX/year>, a Roundpoint agent called me and informed me the payment had not been posted. I immediately made the payment online the same day upon being notified. Roundpoint subsequently assessed a Late Charge of {$76.00} dated XX/XX/year>. I contacted the company to explain that the failure was caused by a technical glitch on their own platform, not due to any failure on my part, and requested the fee be waived. The company refused, stating they do not waive late fees. This mortgage was originated approximately 11 years ago and has since been transferred to Roundpoint Mortgage Servicing. I have maintained consistent on-time payments throughout the life of this loan. I am requesting that the CFPB investigate this matter and that Roundpoint waive the {$76.00} late charge, as it was assessed due to a failure of their own online payment system, not due to any action or inaction on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have been banking with PNC Bank for approximately two years and am extremely concerned about the ongoing issues involving unauthorized recurring charges and the lack of resolution provided by the bank. While working for XXXX, I rented vehicles through XXXX under weekly rental agreements. My first rental contract lasted from XX/XX/XXXX, through XX/XX/XXXX, with recurring weekly charges of approximately {$380.00} deducted from my account. After returning the vehicle on XX/XX/XXXX, I immediately entered into a second rental agreement with XXXX that lasted only one additional week, ending XX/XX/XXXX. Despite this, the recurring deductions from the original contract continued, resulting in a total of eight invoices being billed to my account for only approximately six and a half weeks of vehicle use. I contacted PNC multiple times regarding these incorrect charges and filed at least four disputes. I also offered to provide invoices and documentation proving the overcharges ; however, I was repeatedly informed by PNC representatives that the documents were not needed and that someone would contact me within XXXX business days if additional information was required. As of XX/XX/XXXX, I have received no follow-up communication or resolution. In addition, I am experiencing a similar issue involving unauthorized recurring charges from XXXX. I subscribed in XX/XX/XXXX, canceled the service the following month, and was assured that the recurring payments would stop. Nevertheless, XXXX has continued deducting {$10.00} monthly from my account. After contacting PNC again, including speaking with a supervisor on Saturday who promised a stop payment and reimbursement by Monday, XX/XX/XXXX, no refund was issued and no follow-up call was received despite being told I would be contacted within XXXX hours. Due to these unresolved disputes and recurring unauthorized charges, I am now receiving collection notices from a PNC collections agency, causing unnecessary financial hardship and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
I am not liable for this debt with professional collectors not have a contract with the collection agency. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Years ago, a Capital One/BJs credit account was fraudulently opened using my Social Security number by a family member without my permission. I disputed the account with Capital One, and it was marked internally as fraud/charged off. The account no longer appears on my credit reports. Recently, I was legitimately approved for a Capital One Platinum Secured card under my own identity. However, I have been unable to access or create online banking because Capital Ones internal systems still appear to link my Social Security number to old online banking credentials and contact information associated with the prior fraudulent account. As a result, I can not properly verify my identity, access my legitimate account, or manage my secured card online. I have spent multiple hours being transferred between departments, including fraud, account recovery, and managers, without resolution. Despite explaining that this is an identity-profile linkage issue related to prior confirmed fraud, I have not been provided a clear solution or profile correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am the primary cardholder of this Robinhood XXXX XXXX account, and my wife is registered as an Authorized User who manages and uses this specific card. The merchant officially approved and issued a refund to her card, and I have provided clear, undeniable written proof of this refund confirmation, including the official Acquirer Reference Number ( ARN ) : XXXX. Despite this explicit evidence and traceable financial data, Robinhood Support performed a completely inadequate investigation and hastily sent me a final notice stating that " the investigation is complete and there are no further actions to take '' ( Case ID : XXXX ). Closing the case without properly tracking this ARN and crediting the confirmed refund to my account is a severe failure of financial regulatory compliance and an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
for no reason, they close my bussines account they not give me an answers about my bussines loan or bussines credit card as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Self Financial Inc.
State: NC

Complaint narrative:
I have been trying to reach out multiple times for the past month since the beginning of XXXX. Im trying to close out my account to stop further hurt to my credit score but i cant not get ahold of anyone to close my account. I call and they say no one is available please login into your account instead. And my account has been locked out for the past 4-5 weeks and i have been getting charged fees when i cant login or send myself a password reset. The company hasnt reached out to me at all i have even sent emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: FL

Complaint narrative:
I am submitting this update because the disputed XX/XX/XXXX matter remains unresolved and the investigation appears incomplete. While Capital One has since credited the previously disputed XXXX transactions, the XX/XX/XXXX dispute continues to raise concerns regarding how the transaction was investigated and classified. During the hotel stay period in XXXX and XX/XX/year>, the merchant repeatedly swiped and processed charges using my card, yet staff frequently addressed another individual regarding identification and authorization while the charges continued to be processed against my account. I raised concerns that the transactions and services were not being properly handled or documented, and requested that Capital One conduct a complete review of the merchant-submitted records and transaction history. I requested : Complete merchant-submitted documentation related to the XX/XX/XXXX dispute ; Clarification regarding repeated authorizations and card swipes ; An explanation of how the denial decision was reached ; A properly classified investigation into whether the dispute involved services not rendered as represented and/or improper transaction handling ; Full transaction/accounting records tied to the disputed stays and charges. Capital One has issued temporary or permanent credits on other disputed matters, demonstrating that corrective action was possible when concerns were properly reviewed. However, the XX/XX/XXXX matter remains contested and unresolved. The company has stated that additional research is required, but I still have not received a complete explanation or the supporting documentation requested. I am requesting that the CFPB continue monitoring this complaint until a complete and transparent response is provided regarding the XX/XX/XXXX dispute and the handling of the investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Comenity Bank for severe violations of the Fair Credit Billing Act ( FCBA ) and predatory accounting practices regarding my Woman Within credit card account. As documented on my official XXXX credit report filed by XXXX XXXX XXXX, who purchased this debt, this account carried a strict Credit Limit of {$500.00}. However, Comenity Bank allowed the balance to balloon to a " Highest Balance '' of $ XXXXnearly triple my allowed limit. This inflated balance consists entirely of predatory late fees, over-the-limit fees, and interest compounded while Comenity Bank suffered a documented, nationwide core-system lockout in which a federal class action lawsuit remains ongoing against Bread Financial and its subsidiary, Comenity Bank , regarding a major service outage in XXXX and XXXX of 2022. During this systemic blackout, Comenity completely blocked online account access and dropped all consumer customer service phone calls nationwide, making it physically impossible for their clients, me, to manage the account or submit payments. Instead of freezing accounts during their system failure, Comenity allowed junk fees to compound past my credit limit, sold a corrupted balance of {$670.00} to XXXX XXXX XXXX ( MCM ), and falsified my credit report remarks to state the account was " closed by consumer. '' Comenity Bank failed to provide billing statements or an avenue of payment, violating the FCBA. I demand that Comenity Bank immediately recall this debt from XXXX XXXX XXXX and instruct all credit bureaus to completely delete both the Comenity and MCM tradelines from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding an unresolved billing dispute ( Dispute # XXXX ) with Wells Fargo, related to an incomplete refund from XXXX XXXX. TIMELINE OF EVENTS XX/XX/year> Placed order with XXXXXXXX XXXX ( Order # XXXX ). Total paid : {$230.00} via Wells Fargo. XX/XX/year> Received the order ( TWO boxes of contact lenses ). XX/XX/year> Returned BOTH boxes via XXXX from XXXX XXXXXXXX XXXX XXXXXXXX, using the prepaid return label provided by XXXXXXXX XXXX Tracking Number : XXXX XX/XX/year> XXXX XXXX sent a return receipt confirmation email, acknowledging receipt of the returned package. XX/XX/year> XXXX XXXX issued a partial refund of only {$100.00}, despite the full order amount being {$230.00}. The remaining {$130.00} has not been refunded. EVIDENCE AVAILABLE XXXX. XXXX tracking confirmation showing successful delivery of the return package. XXXX. Packing slip provided by XXXX XXXX, listing TWO boxes with photos, included inside the package as instructed. XXXX. Return shipping label was provided and issued by XXXXXXXX XXXX XXXX. Return receipt email from XXXX XXXX dated XX/XX/year>. XXXX. Partial refund of {$100.00} confirms XXXXXXXX XXXX received the package, but they claim only one box was inside. DISPUTE SUMMARY I followed all of XXXXXXXX XXXX return instructions exactly. I returned both boxes in one package using their label. The package was delivered and acknowledged by XXXX XXXX. If one box went missing after delivery, it was lost within their facility not in transit and is therefore their responsibility. I filed a dispute with Wells Fargo ( Dispute XXXX XXXXXXXX ), but it was declined. I am requesting that the CFPB investigate this matter and assist in recovering the remaining refund of {$130.00}. 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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Ive had my XXXXXXXX XXXX for over years!! Bridgecrest wants XXXX XXXX for a XXXX pay off on XXXX XXXX XXXX. Ive already paid well over the amount of the car! I cant trade this car in because of so much of the negative equity! I want all the money that I paid every month on this or I will take legal action against this loan company who lied about the value on a car that worth XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV Funding LLC is reporting a collection account on my credit report with a balance of {$820.00}. I contacted LVNV Funding by phone on XX/XX/year>2026 to request formal debt validation under the FDCPA and a written pay-for-delete agreement prior to making any payment. The representative refused to provide debt validation documentation and refused to provide a written pay-for-delete agreement. The representative stated they could not delete the tradeline under any circumstances. LVNV Funding is continuing to report this unvalidated debt as a derogatory collection on my credit report causing ongoing and significant damage to my credit score. I am requesting CFPB intervention to require LVNV Funding to provide full debt validation documentation and to remove this tradeline from all XX/XX/XXXX credit bureaus XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There was an account opened in my name with Chase Bank, I received this debit card in the mail which had my name on it. It's a fraud account which is now subject ro be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of fraud claim number XXXX. In XXXX XXXX, the customer was the victim of an employment scam involving a fraudulent XXXX offer letter, a counterfeit check deposit, a XXXX payment, and a elctronic payment via cashapp made under false pretenses. The customer became suspicious immediately after the transaction and promptly contacted Bank of America. Bank of America assisted the customer in determining that the matter was a scam, closed the compromised account, opened a replacement account, investigated the matter, and officially closed the fraud claim on XX/XX/XXXX. Nearly XXXX years later, without prior written notice or explanation, Bank of America took funds from the replacement account on or about XX/XX/XXXX and began withdrawing funds from the customers account. The following withdrawals occurred : XX/XX/XXXX : {$41.00} withdrawn XX/XX/XXXX : {$25.00} payment made after threatening collection calls and what was believed to be a payment arrangement discussion XX/XX/XXXX : {$480.00} withdrawn The customer disputes the reopening of the claim, the lack of notice, and the withdrawal of funds without a meaningful opportunity to dispute the alleged debt before recovery efforts began. The customer acted in good faith and immediately reported the scam at the time of the incident. This complaint requests : Immediate suspension of all collection and recovery activity Refund review of withdrawn funds pending investigation Written explanation of the legal basis for reopening the claim nearly XXXX years later Copies of all notices allegedly sent Complete fraud investigation records and account notes Review by Bank of America Executive Customer Relations We believe the customer was treated as a victim initially, but later subjected to improper recovery activity without sufficient notice or transparency.

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 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am submitting this complaint against Portfolio Recovery Associates for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) related to unlawful debt parking. Portfolio Recovery Associates placed Account # XXXX on my consumer credit reports without first providing the legally required written notice and disclosures required under 15 U.S.C. 1692g. I was never given a fair opportunity to dispute, validate, or otherwise respond to the alleged debt before it was reported to the credit bureaus. This practice is commonly referred to as debt parking, where a debt collector furnishes a collection account to consumer reporting agencies without first contacting the consumer and providing the required validation notice. This conduct is deceptive, unfair, and harmful because it damages the consumers credit profile without allowing the consumer to exercise their rights under federal law. As a result of this unlawful reporting, I have suffered ongoing harm to my creditworthiness, emotional distress, and interference with my ability to obtain favorable credit and financial opportunities. I dispute the validity of this alleged debt and demand the immediate deletion of this account from all consumer reporting agencies to which Portfolio Recovery Associates has furnished information. If this account is not removed promptly and Portfolio Recovery Associates continues to report this account in violation of federal law, I will seek legal counsel and pursue litigation for damages caused by these continued violations. My demand in any such action will be no less than {$5000.00} for the ongoing harm this collection account is causing me. I request that the CFPB require Portfolio Recovery Associates to : Immediately remove Account # XXXX from all consumer credit reports ; Cease all inaccurate and unlawful reporting activities ; Provide documentation showing compliance with all FDCPA notice requirements prior to reporting the account ; Confirm in writing that the account has been deleted from all consumer reporting agencies. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief