vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I am writing to file a formal complaint against Ameris XXXX regarding unfair and deceptive practices related to my savings account, including misleading information during an account conversion and the assessment of numerous unexplained and excessive fees that have caused me significant financial hardship. I maintained a minor savings account with Ameris XXXX for many years. When I turned XXXX and converted it to an adult savings account, I was explicitly led to believe that the new account would function exactly like my previous minor account, with no material changes to terms or fees. This was not the case. The adult account includes various fees that were never clearly disclosed to me at the time of conversion, leaving me unaware of the significant differences. In XX/XX/year>, my financial aid was deposited into this savings account. I had originally planned to close the account but kept it open after discovering the erroneous deposit. On XX/XX/year>, Ameris XXXX charged me a {$120.00} savings withdrawal fee. This charge is confusing and appears unjustified : my account was never overdrawn or in the negative, and I had not made any recent withdrawals that would trigger such a fee. In addition, I was assessed multiple {$9.00} service charges with vague, overly broad descriptions that provided no specific explanation for the charges. These fees collectively withdrew hundreds of dollars from my account without clear justification or adequate notice. As a struggling college student who is paying my own way through school, I do not have the financial resources to absorb these unexpected fees. They have created a serious burden and directly impact my ability to cover essential living and educational expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
A collection account from Columbia Debt Recovery ( original creditor : XXXX XXXX XXXX XXXX XXXX, original balance {$170.00}, opened XX/XX/XXXX ) is appearing on my XXXX credit report. This account was paid in full and reflects a Paid/Closed status as of XX/XX/XXXX. Despite being fully satisfied, it continues to report negatively and damage my credit score. On XX/XX/XXXX, I submitted a formal dispute with XXXX requesting deletion of this paid collection. No action has been taken to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I was online shopping for items and when I was done, I signed into my Huntington Bank online account to check my balance, to see if it was at a certain amount that was correct and up to date, it was and I had enough to do more shopping. I log back online to do some more shopping and when I made the transaction it said decline. I logged back in online to check my account, and I had a low balance and pending transactions for XXXX XXXX and today is XXXX XXXX. I called customer service about the issue around XXXX and they responded by saying they couldn't dispute pending charges and just repeated what the low balance amount was, then I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: FL

Complaint narrative:
I am submitting this complaint regarding a deferred interest charge on my credit card with XXXX XXXX. I did not fully understand that the promotion included deferred interest, and I believed it was a standard 0 % APR offer. When the promotion ended, I was charged a very large amount of interest ( {$1100.00} ), which was unexpected and financially overwhelming. My balance increased from {$1200.00} to {$2100.00}. Additionally, I was seeing an interest rate of 6.8 %, which led me to believe that the cost of borrowing would be relatively low. I did not understand that interest was being deferred and could be charged in full if the balance was not paid off within the promotional period. I have always been a responsible customer and have made my payments on time. I am requesting a one-time courtesy waiver or reduction of this interest, as I am acting quickly to resolve this and pay off my balance as soon as possible. I have already contacted XXXX XXXX, but they were not able to assist me. I feel that the terms were not clearly explained to me at the time, and I respectfully request a review of my situation. I am trying to resolve this responsibly and get back on track financially. Kindly, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
Complaint to CFPB Inaccurate Payment History Reporting ( Harley-Davidson Financial Services ) I am filing a formal complaint regarding inaccurate credit reporting by Harley-Davidson Financial Services as reported on my consumer credit file with XXXX, XXXX, and XXXX . The account in question was a financing agreement with Harley-Davidson Financial Services that was paid in full, closed, and never late during the life of the account. However, my credit report is inaccurately reflecting late payments and incorrect payment history. In addition, the monthly payment history being reported does not match the actual agreed-upon and consistently paid monthly amount. The inaccurate reporting of late payments and incorrect payment amounts is materially misleading and is negatively affecting my credit score and overall credit profile. This account was always maintained in good standing and successfully satisfied. The current reporting does not reflect the true and accurate history of the account. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report information that is complete, accurate, and not misleading in context. Reporting late payments that never occurred and incorrect payment amounts violates these requirements and results in an unfair and inaccurate credit profile. I have attempted to review and understand this reporting through my credit file, but the information provided does not align with my payment records or account history. Requested Resolution : 1. Full investigation into the reporting by Harley-Davidson Financial Services . 2. Verification of complete payment history, including : * All monthly payments made * Payment amounts and due dates * Confirmation of no late payments during the life of the account 3. Correction of inaccurate late payment entries. 4. Correction of inaccurate monthly payment reporting to reflect the actual agreed amount. 5. Update of account status to accurately reflect paid in full, closed, and never delinquent. 6. Removal of any inaccurate derogatory information if it can not be fully verified. 7. Updates sent to XXXX, XXXX, and XXXX. 8. Written confirmation of the investigation results and corrective actions taken. This inaccurate reporting is materially damaging my credit profile and does not reflect the true history of the account. I request prompt correction and compliance with federal credit reporting standards. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I financed an XXXX XXXX through Affirm in late XXXX. After delivery and installation, I later needed to relocate the device. At the time I purchased it, XXXX customer-facing relocation guidance stated that customers should not relocate the device by themselves and should contact XXXX XXXX for further assistance. I relied on that guidance when relocation became necessary. I contacted the merchant and attempted to resolve the issue directly. The merchant did not provide the kind of support I believed its earlier guidance represented, and I incurred more than {$600.00} in relocation costs. I also continued to incur payments during a period when I did not have normal access or use. When I opened the dispute with Affirm, there was no transparent category that accurately matched my issue, so I selected the closest available option in order to submit the dispute at all. My actual dispute was not simply that a cancellation or refund was not processed. It was that the merchant made earlier customer-facing representations, I reasonably relied on them, the merchant later narrowed that interpretation, and then refused to provide any cure. The merchant later issued a final written position stating that it would not reinstate my account, would not reimburse or credit any amounts, and would continue to keep my account suspended while the disputes remained active. After the dispute was decided in the merchants favor, the previously disputed membership charges for approximately three months were returned to the merchant. I then made a new payment for XXXX on a different card in an effort to restore service. Even after receiving the disputed funds back and accepting the later payment, the merchant stated in writing that account reactivation was still not guaranteed, could take up to 75 days, and that a restoration fee might apply. In practical terms, the merchant received the disputed funds and a later payment, yet still continued to withhold access. Affirm denied the dispute based on the category my cancellation or refund was not processed. I then explained that this was not the true substance of my dispute and asked for reconsideration under the correct framework : seller representations, reasonable reliance, refusal to cure, and continued withholding of access despite payment. Affirm responded that the previous case was closed and directed me to open a new case. My concern is that Affirms dispute process forced my complaint into the closest available category, then denied the dispute because of that category, instead of reviewing the actual facts and merchant conduct I raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding inaccurate and unverifiable information reported on my credit file. Despite my efforts to resolve these issues directly with the involved parties, the inaccuracies remain uncorrected. First, I have identified accounts associated with XXXX XXXX and The XXXX XXXX that are being reported by debt collectors with incorrect personal identifying information. Specifically, the name spelling and home address listed on these accounts do not match my correct legal name or current/past addresses. This raises serious concerns regarding the validity and ownership of these debts. Additionally, XXXX XXXX continues to report an account allegedly opened in XXXX. I have disputed this account ; however, they have refused to remove or adequately investigate the matter. I believe this account is either inaccurate, unverifiable, or improperly attributed to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. I am requesting that the Consumer Financial Protection Bureau investigate these matters and ensure that : - The accounts associated with XXXX XXXX and XXXX XXXX XXXX are properly verified, including correct name spelling and address, or removed if inaccurate or unverifiable. - The XXXX XXXX account from XXXX is thoroughly investigated and removed if it can not be properly validated. I respectfully request your assistance in resolving these issues and ensuring my credit report reflects only accurate and verifiable information. Please feel free to contact me if additional documentation is required. Thank you for your time and attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
XXXX XXXX is attempting to collect and report a medical debt that I do not recognize as mine. This account is appearing on my XXXX and XXXX credit reports, but I have not received any signed agreement, itemized medical billing statement, proof of services rendered, insurance adjustment records, or documentation linking me to this alleged balance. I dispute responsibility for this account and request a full investigation. Reporting or collecting without proper validation is harmful and unfair.

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 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding multiple collection accounts being reported by Collection Bureau on behalf of XXXX XXXX XXXX XXXX. There are multiple accounts listed with different balances and dates that appear to be associated with the same institution. However, no documentation is provided to establish that these are separate and valid obligations. The accounts are being reported as independent collection accounts, each with its own balance, without any breakdown or supporting documentation explaining the origin of each charge or how the balances were calculated. I have submitted requests for validation, specifically requesting documentation to establish the validity of the debts, complete account history, and an itemized breakdown of the charges. To date, no documentation has been provided. Without documentation clearly establishing that these are separate and valid obligations, the reporting raises concerns regarding accuracy and completeness. This complaint documents prior attempts to obtain validation and the companys failure to provide documentation while continuing to report multiple accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
" Midland Credit Management ( MCM ) dismissed their lawsuit against me on XX/XX/2026 ( XXXX XXXX XXXX XXXX XXXX, Case No. XXXX ). Despite this, they continue to maintain an active payment portal showing the full balance as 'due and collectible. ' Furthermore, after the dismissal, I received XXXXXXXX XXXX ' ( unsigned/unstamped ) in a backdated envelope, which I believe is a deceptive attempt to simulate a live legal process for a case that was already closed. " FDCPA Section 1692e ( 2 ) ( A ), which prohibits the " false representation of the character, amount, or legal status of any debt. '' The " backdated envelope '' was a deliberate attempt to cut off time to respond, which is a textbook example of " unfair or unconscionable '' means under Section XXXX that they are showing a " balance due '' for a case that is legally dead ( XXXX ) .Explicitly name XXXX XXXX XXXX in the complaint.... plaintiff forMCM in alleged debt case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am performing a forensic audit of my credit file regarding XXXX XXXX account XXXX. This account is currently reporting a balance of {$440.00} on a {$300.00} credit limit. This results in a 147 % revolving credit usage ratio, which is a mathematical impossibility for an account that the creditor has already marked as 'Charged Off ' and 'Closed ' as of XX/XX/year>. Furthermore, my report contains XXXX hard inquiries from various lenders where no credit was ever extended, which provides no 'permissible purpose ' for the continued reporting under the FCRA. This inaccurate data is unfairly suppressing my score, and I demand a full investigation into these inconsistencies.

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 2026-04-26 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute a charge of {$280.00} posted to my account on XX/XX/year>, regarding my recent rental with XXXX. This additional fee was reportedly applied as a smoking fine ; however, I am a non-smoker and did not smoke in the vehicle. I previously requested photographic evidence or documentation from XXXX to support this claim, but I have not yet received a satisfactory response or the requested images. To date, I feel this matter has been handled poorly by both the rental agency and my banking institution.

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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified credit reporting by Jefferson Capital LLC and XXXX. XXXX is currently reporting a collection account under JEFFERSON CAPITAL LLC as a Debt Buyer Account with a balance of approximately {$1000.00}. The account is listed as closed but continues to be reported and is negatively impacting my credit profile. This account appears to be an aggregated or bundled debt, likely originating from multiple smaller accounts, and no itemized breakdown or documentation has been provided to support the reported balance. There is no clear identification of the original individual accounts, nor any explanation of how the total balance was calculated. On XX/XX/year>, I sent a written request for validation of this debt to Jefferson Capital via certified mail, which was delivered shortly thereafter. As of the date of this complaint, I have not received any documentation validating the debt. Specifically, I have not received : - A breakdown or itemization of the alleged balance - Documentation identifying the original creditor ( s ) and account details- Proof of the full chain of ownership from the original creditor ( s ) to Jefferson Capital - A signed agreement or contract showing my obligation Despite the lack of validation, this account continues to be reported by XXXX. Additionally, this account is not being reported consistently across all credit bureaus. It has been removed or is not present on XXXX, which raises serious concerns about the accuracy and reliability of the information being furnished. XXXX has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that all reported information is accurate and verifiable. Jefferson Capital, as the furnisher of this data, is also required to report accurate information and conduct a reasonable investigation when a dispute is raised. At this time : - The debt has not been properly validated - The account lacks sufficient supporting documentation - The reporting is inconsistent across credit bureaus I am requesting that this account be fully investigated and deleted from my credit report if it can not be properly verified with complete and accurate documentation. This inaccurate reporting is negatively impacting my ability to obtain mortgage financing, as I am currently under a time-sensitive agreement to purchase my home. I am requesting a prompt and thorough investigation, and deletion of this account if it can not be substantiated. Please provide written confirmation of the outcome. To my knowledge, no competent investigation could verify this account without providing documentation, which has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: SD

Complaint narrative:
I was persuaded, by what I later found out to be a scammer, to get this loan in order to pay for alleged taxes on what was later to be found out to be bogus earnings on an online business venture. I applied for a {$3000.00} loan from this company and was approved on XX/XX/year>. I was under the impression that I would have to pay $ {$590.00} every two weeks for 3 months. However, after those payments had come out, I checked on my bank statement and noticed that more payments were scheduled to be coming out. That is when I went online to see what the balance was that was stilled owed on this loan. When I logged on, I found a copy of the loan agreement that I had never seen. After reading through it, I noticed that that company was charging me 549.77 % interest on that loan resulting in me having to pay over {$19000.00} for a {$3000.00} loan. As of XXXX, I have paid {$3500.00}. The company is saying that the " Payoff Today Amount '' is {$3400.00}. So, if I were to pay that amount and add it to what I have already paid, the total amount would be {$6900.00} which is way more than the initial loan amount of {$3000.00} I feel I have paid more than enough for that loan. This interest rate is absolutely ridiculous, and I don't feel that I should have to be paying that high interest rate. I thought that was illegal for them to charge that rate.

Company response to consumer: Closed with explanation