vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I purchased a camera lens from XXXX XXXX XXXX XXXX on XX/XX/XXXX via their " XXXX '' credit card through Bread Financial ( Comenity Capital Bank ). I'm enrolled in paperless statements and email/text alerts so I've been receiving email notices about my deferred interest promotional plan expiring on XX/XX/XXXX. When I logged into my account to check the remaining balance, I noticed that I was charged {$750.00} for interest charged on purchases for my previous promotional plan that ended on XX/XX/XXXX. I never received any email or text alerts regarding my previous promotional plan that expired on XX/XX/XXXX. I did receive XXXX email notifications about the promotional plan expiring on XX/XX/XXXX, though. I've been filing all important account-related emails in a folder since I opened this account. There are no emails regarding the promotional plan that ended on XX/XX/XXXX. Additionally, they continue to send me emails regarding my credit limit encouraging me to make purchases. As a result of their inconsistent communication, I was charged {$750.00} in interest on a remaining balance of {$670.00} I've had numerous promotional plans over the years and have always paid them off prior to the end date. Most of all, my credit score was XXXX when I leased my current vehicle in XX/XX/XXXX. I take my credit score very seriously because it affects the cost to borrow money. Instead of admitting that their communication is spotty, they point the finger at the consumer for not reading monthly statements even though you're enrolled in paperless statements and email/text alerts. Every other credit card that I have send me alerts regarding my balance, payment due date, and promotions expiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I paid a {$5400.00} upfront retainer to XXXX XXXX for ongoing, multi-year college advisory services for my XXXX children. We received only initial introductory meetings. I have been effectively without any service or access to these advisors since at least XX/XX/XXXX, which is when I initially contacted American Express regarding this dispute. XXXX XXXX has permanently ceased operations and disconnected their phone lines. Furthermore, the company and its principal, XXXX XXXX XXXX, are currently the defendants in a federal lawsuit in the XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX et al, Case No. XXXX ) involving serious allegations of Conversion ( civil theft ) of client funds. It is a factual, physical impossibility for XXXX XXXX to render the remaining services. I submitted exhaustive documentation to American Express proving that the merchant is out of business and that I am actively being denied the ongoing services I paid for. Instead of having a human review the evidence of this extreme merchant insolvency and anticipatory breach of contract, American Express repeatedly rejects my claim using an automated system. On XX/XX/XXXX, I received a scripted message stating : " since the delivery date is in future, we are unable to contact the merchant... If you do not receive the service/merchandise till the expected date of delivery, please feel free to contact us. '' It defies logic, consumer protection standards, and fundamental dispute rules to require a cardmember to wait until the years XXXX or XXXX to dispute a charge for a company that is already defunct, unreachable, and facing federal litigation for conversion of funds today. The failure to provide ongoing services is happening right now. Note on Attached Evidence : XXXX I have attached my formal written appeal ( XXXX ), the automated rejection letter I received from American Express ( Amex XXXX XXXX ), and the supporting documentation outlining the unfulfilled services. Please read the supporting documents in sequential order : XXXX XXXX XXXX through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I have been trying to access my student loan via Mohela online for the last XXXX months to make a payment via XXXX I used to be able to sign on no problem. In the last XXXX months, when I enter my social security number or account number plus birthdate it says " We're sorry our records don't match the information you provided. Please try again. '' I emailed them explaining the problem and never heard back. When I finally called today, I had no problem making a payment. But then I asked if I could sign up to pay automatically and they said I would need to do this online. I explained that I can not access my account online and they said they would transferred me to a specialist. The wait is XXXX hours. I am currently waiting. I don't have a lot of faith that I will get to talk to someone. They have said my XXXX payment was " delinquent. '' I don't think this is fair since I emailed them about my inability to access the account and they did not write me back.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: Mandarich Law Group, LLP
State: FL

Complaint narrative:
In XX/XX/XXXX I signed a settlement agreement authorizing automatic bank account deductions of $ XXXX. No payments were ever pulled from my account. I called Mandarich Law Group multiple times during business hours to report this calls went unanswered or I was told not to worry. On XX/XX/XXXX I called to resolve this and was refused a supervisor transfer without providing a reason, violating my FDCPA rights. I have this recorded. They filed a Final Judgment threatening garnishment for missed payments caused by their own failure to process my authorized auto-debit. Additionally I have voicemail records showing they contacted me from undisclosed XXXX area code numbers on XX/XX/XXXX and XX/XX/XXXX, rather than their listed business number, which is a deceptive practice under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have requested a removal of XXXX accounts opened up without my knowledge, Identity theft which resulted in fraudulent accounts. XXXX XXXX XXXX accounts opened XX/XX/XXXX and XX/XX/XXXX amounts {$11000.00} and {$5100.00} I have finished a FTC and letter.

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 2026-05-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
During XXXX XXXX XXXX I was traveling in XXXX XXXX XXXX so I had booked a XXXX XXXX flight with XXXX XXXX XXXX XXXX to XXXX via XXXX XXXX for XX/XX/XXXX. Then the XXXX XXXX started and XXXX finally cancelled the flight but rescheduled me unto a similar flight again for XX/XX/XXXX. However, the night before the flight on XX/XX/XXXX, XXXX emailed me to tell me that they 'Could Not Accommodate ' me on the rescheduled flight. This was quickly followed by another email from XXXX offering me a voucher for the original flight ticket. According to the XXXX XXXX XXXX XXXX Airlines are obliged to provide a CASH Refund for cancelled flights. When I tried to book another flight with XXXX from XXXX XXXX to the XXXX which was similar to the original flight that I had booked, I discovered that XXXX had increased the price from the original {$790.00} to a minimum of {$2400.00}. I responded by email informing XXXX that the voucher was unacceptable and that I wanted a refund to my Credit Card. They did not respond. In the mean time all flights back to the XXXX had increased significantly. I end up flying to the XXXX from XXXX XXXX and paid over {$1300.00} for a flight from XXXX to XXXX departing XXXX weeks later which was almost twice the normal price, however this was my cheapest option. The whole inconvenience cost me at least {$3000.00}. It was impossible to contact XXXX by phone whilst in XXXX XXXX so I phoned a XXXX number for XXXX when I returned to the XXXX. I ended up speaking to someone in the XXXX. I asked for a refund which they refused hence this is why I filed a dispute via my Credit Card with Citibank, however their conclusion was that a voucher from XXXX was acceptable so no cash refund.

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 2026-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
I leased a XXXX vehicle and, at lease inception, purchased an Excess Wear and Use Addendum for additional consideration that provides waiver coverage for excess wear-related charges at lease termination. At the end of the lease, I returned the vehicle and was informed by dealership personnel that no excess wear charges would be assessed because I had purchased the protection coverage. Despite this, I later received a lease-end invoice for {$410.00} related to an alleged missing rear wiper. After receiving the charge, I disputed it directly with Volvo Financial Services and explained that the charge should have been covered under the Excess Wear and Use Addendum. I also advised that the amount being charged was excessive compared to the actual replacement cost of the part. In an effort to resolve the matter reasonably and avoid escalation, I even offered to return to the dealership and provide or install the replacement rear wiper myself. Despite this good-faith effort, Volvo Financial Services continued attempting to collect the disputed amount. I requested that the company : * Remove the disputed charge ; * Honor the Excess Wear and Use Addendum; * Cease collection activity ; * Confirm no negative credit reporting would occur ; and * Provide documentation supporting the charge and denial of coverage. To date, the matter has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The assertion overlooks the disciplined oversight architecture and comprehensive governance procedures I uphold, while disregarding my longstanding commitment to accountability and integrity. The explanation inaccurately depicts my organized management structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a complaint regarding inaccurate and misleading information being reported on my consumer credit file. After reviewing my credit reports and the attached dispute letters, I identified multiple accounts reporting late payments, collections, and/or charge-offs that appear inaccurate, incomplete, misleading, or unverifiable. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of all information reported. Additionally, under 15 U.S.C. 1681i, disputed information must be properly investigated and corrected or deleted if it can not be verified with complete accuracy. These inaccuracies may be connected to compromised consumer information and recent data breach activity affecting financial institutions, furnishers, and consumer reporting systems. Because of these concerns, I am requesting a lawful reinvestigation of all disputed accounts referenced in my attached correspondence. The late payment reporting appearing on certain accounts does not accurately reflect my records and is unfairly damaging my credit standing. Additionally, the collections and charge-off accounts being reported appear inaccurate, misleading, duplicated, incomplete, and/or unverifiable. The continued reporting of this derogatory information is causing significant financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TN

Complaint narrative:
This account is closed and attached is a copy of my final utility bill which has a XXXX balance and a different account number which is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of the alleged debt your company claims I owe. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting complete verification and documentation of this account. If you can not provide proper validation, I request that this account be removed from my credit report and all collection efforts cease immediately. Additionally, if this account was reported to any credit bureau without proper verification, I request an investigation pursuant to FCRA regulations. I expect a response within the timeframe required by law.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information reporting on my consumer credit file. I discovered accounts, addresses, and personal information that I do not recognize and did not authorize. Despite previous disputes, the information continues to appear on my report without proper verification. I believe my personal information may have been compromised as a result of the Equifax data breach and/or identity theft activity. The credit reporting agencies and furnishers have failed to provide adequate proof that the disputed information belongs to me or was properly investigated under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am filing a complaint regarding a chargedoff XXXX credit card account that is being reported inaccurately on my credit report. The account shows a chargedoff balance of {$7200.00}, with a pastdue amount of {$7200.00}, and a chargeoff date. I am currently making monthly payments to XXXX on this account, and the account is closed, but XXXX continues to report it as an active chargeoff and continues to update the chargeoff status every month. This is misleading, harmful, and does not reflect the true status of the account. I have disputed this account with the credit bureaus and directly with XXXX, but the information continues to be reported inaccurately, inconsistently, and without proper verification. XXXX has not provided documentation verifying : the original signed agreement, the complete and accurate payment history, the correct date of first delinquency ( DOFD ), the accurate chargeoff date, or the method used to calculate the balance and pastdue amount. Under FCRA 623, furnishers are required to report information that is accurate, complete, and verifiable. The information XXXX is reporting appears to be inaccurate, incomplete, and unverifiable, and XXXX has not conducted a reasonable investigation. Because I am actively paying this closed account, the continued reporting of an active chargeoff and the monthly updating of the chargeoff status is misleading and causing ongoing consumer harm. I am requesting that the CFPB require XXXX to : Update the account to reflect its true status as Closed Paying as Agreed Cease monthly updating of the chargeoff status Provide full documentation verifying the accuracy of all data being reported Correct any inaccurate or inconsistent information Remove the account entirely if they can not verify all required data points Thank you for your assistance. Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bilt Technologies, Inc.
State: TX

Complaint narrative:
I submitted an application for the Bilt XXXX credit card on XX/XX/year>. On the same day, I received notices stating that ( 1 ) my XXXX credit file needed to be temporarily unfrozen and ( 2 ) additional identity verification was required due to a consumer statement on my credit report. I promptly completed the requested identity verification steps and repeatedly maintained temporary XXXX credit thaw access so the application could be reviewed. I extended the thaw multiple times between XXXX and XX/XX/year> based on ongoing representations from XXXXBilt support that the application remained under review or was being escalated. Despite numerous phone calls and written follow-ups beginning in XX/XX/year>, I was repeatedly told only that the application was under review or had been escalated. I was not provided with a substantive status update, a final approval or denial decision, or a clear explanation of any remaining requirements preventing completion of the review. I also repeatedly requested escalation to supervisors or alternative review departments but was unable to obtain a meaningful escalation path. On XX/XX/year>, Bilt Support informed me in writing that the application had encountered a technical timeout in the underwriting stage, which they stated was the reason I had not received a definitive approval or denial despite prior follow-ups. Even after this acknowledgment of a technical underwriting issue, XXXX continued providing only generalized escalation responses without identifying a specific corrective action, outstanding verification requirement, or expected resolution timeline. As of the date of this complaint, the application remains unresolved more than six weeks after submission despite repeated follow-up efforts and continued cooperation on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
In XX/XX/XXXX we purchased a used vehicle and financed it with Bridgecrest. In XX/XX/XXXX I applied for benefits under the Louisiana Servicemember Civil Relief Act ( Louisiana Statute Title 29:312 ) capping interest rates on the note/loan for the purchase of the vehicle at 6 % and requesting refund of the money paid in excess of 6 %. Bridgecrest responded denying my request under the law where I provided a copy of my military orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Account was reviewed manually and opened on XX/XX/XXXX. I made the opening deposits after verification in branch on the same day XX/XX/XXXX. As I was waiting on the debit card, I tried to send a transfer from my checking account to fund the account with my personal funds on XX/XX/XXXX. The account was then closed on or about XX/XX/XXXX after I was locked out with no reason provided or letter sent out explaining the reason for closure.

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
All day call from them after letter was send out to make payment arrive but seem to not keep up with payment not sure why but dragging it out too long

Company response to consumer: Closed with explanation