vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I am filing this complaint against Bread Financial ( Comenity Capital Bank ) regarding an XX/XX/XXXX account. I entered into a XXXX deferred interest promotion for a total of {$11000.00}. Over the last XXXX years, I acted in good faith and successfully paid off {$10000.00} of that principal balance. Due to extreme financial hardship and a misunderstanding of the XXXX XXXX ' expiration date, I missed the final payoff deadline by XX/XX/XXXX days. As a result, the bank retroactively applied {$7500.00} in interest to my account. This means I am being charged a penalty of XX/XX/XXXX relative to my remaining {$1000.00} balance. I attempted to resolve this in good faith by calling the bank and offering to pay the {$1000.00} principal in full immediately in exchange for a goodwill waiver of the deferred interest. The bank refused to assist me and offered no path to a reasonable resolution. My family has been struggling for XXXX years to stay afloat, and this massive interest chargetriggered by a one-month oversightis unconscionable and predatory given my consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Dear CFPB, I am submitting a complaint against XXXX regarding a fraudulent/unrecognized account on my XXXX credit report. Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Account Status : Open Date Opened : XX/XX/XXXX Account Type : Auto Loan Reported Delinquency : XX/XX/XXXX I have disputed this account directly with Experian, providing evidence that the account is not linked to my Social Security Number and that XXXX and XXXX have already removed it. Despite this, XXXX has refused to delete the account or provide verification documentation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, XXXX is required to remove any information that can not be verified. Continued reporting of this fraudulent account may constitute identity theft and legal violations under federal law. I am requesting the CFPB to : Investigate XXXX failure to remove this fraudulent account. Ensure XXXX complies with the FCRA and deletes the account promptly. Require XXXX to provide the Method of Verification ( MOV ) used for this account. Attached are supporting documents, including my XXXX report, and reports from XXXX and XXXX showing removal of this account. Thank you for your immediate attention to this urgent legal matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing regarding the alleged account referenced under my name, XXXX XXXX, account number I.C Systems INC XXXX. This letter serves as formal notice that I dispute the validity of this alleged debt in its entirety. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I request full validation of this account, including : 1. A copy of the original signed contract or agreement bearing my signature. 2. A complete payment history from the original creditor. 3. Documentation showing the chain of assignment and your legal authority to collect. 4. Proof of the date of first delinquency. 5. Verification that the amount reported to consumer reporting agencies is accurate. Additionally, under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act, you are required to report only information that is complete and accurate. If you are unable to provide the documentation requested above, you must immediately cease reporting this account and request deletion from all consumer reporting agencies to which you have furnished data. If this account continues to be reported without proper validation, it will constitute reporting of disputed and unverified information. Please note that this letter is not a refusal to pay, but a notice that your claim is disputed and validation is requested. All future communication regarding this matter must be in writing. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX Date : 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 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc

Complaint narrative:
Complaint against Chime Financial regarding account access and identity verification I am filing this complaint because I am currently unable to access my Chime account due to identity verification issues, even though I originally opened the account using the same identification documents they are now refusing. When I signed up for my Chime account, I successfully verified my identity using my XXXX passport and my Social Security Number ( SSN ). These documents were accepted at the time of account creation and allowed me to open and use the account. Recently, my account access has been restricted and Chime is asking me to provide a XXXX government issued ID such as a drivers license or state ID. I have informed them multiple times that I do not have a XXXX drivers license or state ID. I am an international individual who only has a XXXX passport and my SSN, which are the same documents that were accepted when I opened the account. Despite explaining this to customer support, Chime continues to refuse my valid identification and has not provided a reasonable alternative verification method. As a result, I am locked out of my account and unable to access my funds. I believe this situation is unfair because the identification that was originally accepted during the account opening process is now being rejected without clear explanation or alternative options. I am simply asking for Chime to either : Allow identity verification using the passport and SSN originally used to open the account, or Close the account and release my funds to me through a check or another secure method. I respectfully request assistance in resolving this issue so that I can regain access to my funds or have the balance returned to me. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MN

Complaint narrative:
I'm sending more proof cash app doesn't do there job. Money was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Bureau LLC
State: SC

Complaint narrative:
This company has been calling me for several weeks. I had blocked several numbers, but still receive multiple phone calls a day from different numbers that are all this company. Now, they are calling a place of business I have not worked out for over a decade, they are calling my mother demanding information about where I work, my address, my phone number, my personal information. They are calling my other relatives that are not related to my credit profile at all. Calling me multiple times is one thing, but my family and workplaces are absolutely across the line and demanding answers. I have told this company over the phone to place me on the do not call list. I have reached out to this company via email that I do not have the funds to pay as they will not work with me on a payment plan or offer a solution that works with my budget. I have sent a certified letter to the company on XX/XX/year> to cease phone calls to myself and my family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I received a notification from XXXX saying that I owed a bill that was not mine. I immediately filled an FTC identity theft report and I filled a police report with my local sheriffs office. The police report was filled with XXXX XXXX XXXX XXXX under the number XXXX with XXXX XXXX XXXX XXXX The FTC identity theft was filled under FTC report number : XXXX. I have since received numerous debt collections notices from XXXX and XXXX. I have tried communicating with them regarding the identity theft and the police report that was filled and they continue to call me regarding this. They seem to retain no records regarding my communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I went online to try and pay my mortgage this last week and my login is no longer working. It looks like they have merged with rocket mortgage and I am with XXXX XXXX XXXX when I tried to login. It takes me to an old payoff account and not my current account. In order to speak to a representative you have to have your loan number in which we do not have since you only have the last XXXX in emails and I dont get statements. When you try to fix your login online, it asks for your last name and Social Security number and when you input that information it gives you a message saying wrong username. I tried the chat function to reach out to someone and every time its my turn nothing happens. All I want to do is try and make my payment and I can not login and you are unable to get to any representative without having your loan number. There is no email address that you can reach out to or any other form of communication with this company. I have tried on XX/XX/year> and XX/XX/year> and XX/XX/year> at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
The mortgage comapny is Fay Servicing. Since our mortgage has been with them since 2007, they have been charging a 31 % interest rate. The balance does not see to be going down. In the attached files you will see an examples of what been happening since 2007

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Date of Submission : XX/XX/year> Company Name : XXXX ( Card Issuer via XXXX XXXX XXXX XXXX Bank : Fifth Third ) Product / Service : Prepaid Account / Payment Card Issue Type : Account Locked/ Unable to Access Funds Complaint Details : On XX/XX/year>, XXXX ( card issued through XXXX XXXX XXXX and banked by Fifth Third Bank ) locked my account due to an alleged purchase or attempted purchase. My records show that the last confirmed transaction on the account was XX/XX/year>, for approximately [ insert amount ]. XXXX stated that they had notified me prior about the alleged activity, but I did not receive any notification before attempting to use the card today, XX/XX/year>. When I contacted XXXX to request details about the XX/XX/XXXX transaction, the company refused to provide the merchant name, location, or amount. During the interaction, XXXX informed me that : My account and card would remain locked until I verified my identity. They required copies of a government-issued ID and Social Security documentation . They would reissue a new card, expected to arrive in 710 business days. I am concerned because I was asked to provide sensitive personal information, yet the company refused to release any details about the alleged transaction and failed to provide prior notification. Actions Taken : Contacted XXXX to request merchant name, location, and transaction amount. Requested clarification on the identity verification process and card reissue. Attempted to use the card on XX/XX/year>, and found it locked. Account remains inaccessible as of XX/XX/year>. Requested Resolution : Provide full details of the alleged XX/XX/year> transaction, including merchant name, location, and amount. Unlock the account if no valid transaction occurred. Provide secure instructions for submitting identity verification documents. Ensure proper notification for any future account issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CHERRY TECHNOLOGIES INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding Cherry and their refusal to assist me with a financing dispute related to a medical procedure that was never performed. I financed a XXXX XXXX procedure through Cherry with a clinic that has since closed permanently. The clinic is no longer operating, their phone numbers are disconnected, and there is no way for me to contact them to request a refund. Despite explaining this situation multiple times to Cherry and sending several emails, they continue to give me the same response : that I must contact the clinic directly through their application to request a refund. I have already attempted this process more than once, and it has not worked. Since the clinic is closed, it is impossible for me to resolve this directly with the merchant. I feel extremely frustrated and helpless because I financed this procedure in good faith, but the service was never provided. Cherry continues to hold me responsible for this debt even though the merchant is no longer available and the procedure never took place. I am requesting that the Consumer Financial Protection Bureau review my case and require Cherry to investigate this situation, cancel the remaining balance, and provide a fair resolution. Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
XXXX XXXX by Carrington has lied on its previous response to a complaint. They said that a payment made on XX/XX/XXXX was for XXXX when there was an additional Payment XX/XX/XXXX which was the XXXX payment. I made my XXXX payment of XXXX. They keep saying a payment was reversed on XX/XX/XXXX but were is this payment? Where was the money sent? Was it mailed to me? Its not in my bank. Its nowhere because There was never a payment reversed. They are being fraudulent and misleading. This mortgage company is a HUGe scam. I have contacted several attorneys bc this company has stolen XXXX dollars from me. Im pretty sure thats a felony.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My Venmo account was suddenly suspended and all of my funds were locked without explanation. I am currently XXXX miles away from home and do not have access to my money. This has created an urgent financial hardship situation because Venmo is holding my funds and refusing to provide clear information about the reason for the suspension. I have already submitted identity verification documents and received confirmation from Venmo that they were received. However, my account remains suspended and I have no access to my balance. Venmo informed me that the review could take XXXX days, but I urgently need access to my funds for basic necessities while traveling away from home. I am requesting that Venmo immediately review my account and release my funds or provide a clear explanation for the suspension and timeline for resolution. Holding a consumer 's funds without access while away from home creates a serious hardship and should be resolved urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Acorns Grow Incorporated
State: NY

Complaint narrative:
account, including any internal notes, codes, or thirdparty information used to justify the closure and the transfer of my funds.Provide complete copies of my account statements and transaction history for the last 12 months, including all transactions related to the external account and the final transfer ( s ) of my funds.Confirm in writing whether you consider the transfer of my funds to the external account to be authorized, and if so, specify the exact authorization or agreement you are relying on.Provide the expected timeline for your investigation and confirm how and when I will receive the investigation results in writing.Please place a copy of this letter in my customer file and ensure that all future communication regarding this matter is provided to me in writing at the address or email listed above.If I do not receive a clear written explanation and satisfactory resolution within a reasonable time, I will consider escalating this matter to the appropriate consumer protection regulators and seeking independent legal advice.Thank you for your prompt attention to this serious issue. I look forward to your written response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Reported ID theft to FCC, Federal Trade Commission, and in person to the California state attorney general office. Tried calling Zelle to get access to Zelle account primary and secondary, and recover stolen money. I XXXX XXXX social security number ending XXXX, XXXX XXXX was denied access illegally. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. Inactive modal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NATIONAL DEBT RELIEF LLC
State: MA

Complaint narrative:
XX/XX/XXXX i received emails from XXXX XXXX stating i had messages. i tried to get these messages and could not. when i called XXXX, i was told, national debt relief had power of attorney and had closed my accounts, and they had gone to a creditor. while i had started an acct with ndr on XX/XX/XXXX, i closed it on XX/XX/XXXX. apparently they told discover i signed a power of attorney on XX/XX/XXXX - i did not. and the money i had in an acct {$1100.00}, is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Byrider Franchising, LLC
State: NE

Complaint narrative:
I brought the XXXX back I put {$1800.00} dollar into the vehicle and was still getting me problem I talked to XXXX about if I give the XXXX XXXX back will they come after me and he told me no.

Company response to consumer: Closed with explanation