vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. In XXXX, I learned that my personal information was used to open an account for {$10000.00} with Bread Financial. I became aware of this after my credit card company, XXXX, alerted me to a new account appearing on my credit report. The account showed up as Comenity CapitaI Bank, which is a division of Bread Financial. I did not open or authorize this account. I notified all three credit bureaus, which marked the account as fraudulent and have since removed it from my credit report. On XX/XX/XXXX, I contacted Bread Financial via certified mail to report that the account was fraudulent. My letter included a copy of my FTC Identity Theft Report ; however, my request to close the account was denied. I then took the next step of filing a police report to further support my claim. Shortly after obtaining the police report, I received a call from a Bread Financial representative asking whether I planned to pay the debt. I informed the representative that the account was fraudulent and that I would not be making any payments. She suggested that I email Breads customer support address to initiate an investigation. This call was recorded by Bread Financial. Following the representatives suggestion, I submitted a second complaint via email to Bread Financials customer support ( XXXX ) on XX/XX/XXXX, including both the police report and the FTC report and explaining my situation. On XX/XX/XXXX, having received no response for several weeks, I called Bread Financial. The representative confirmed receipt of my email and stated that my case would be escalated. However, she also said that the police report and FTC report were not visible in the email. I insisted that these documents be included in the escalation. She then sent me an email and asked me to reply with the attachments, which I did. When I asked her to confirm receipt, she hung up on me. Bread Financial is clearly aware that this account is fraudulent ; however, they are refusing to acknowledge this and close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
NCB MANAGEMENT SERVI is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVI is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: IA

Complaint narrative:
XX/XX/XXXX We wired funds from our bank tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' travel trailer in the amount of {$120000.00}. We also put down a {$1000.00} deposit on our credit card. We had an appointment to pick it up on XX/XX/XXXX. My husband, XXXX 's stepmother passed away on XX/XX/XXXX so we postponed the pick up for XXXX week to XX/XX/XXXX. We had a disagreement with the dealership on XX/XX/XXXX and the deal fell through. We requested the return of our funds before leaving the dealership, however we were told the refund would be issued through their Corporate office in Florida and we should see funds the following week. Long story short XXXX XXXX XXXXsolidated all their debt into a holdings company and filed an XXXX they stated instead of a XXXX XXXX Bankruptcy. We received this notice by email, nothing through the parcel post. LazyDays RV assets were sold off and the actual brick and mortar and inventory sold to corporate Campers Inn RV. XXXX ) We have filed a claim with the XXXX holding company XXXX ) We have contacted the dealership now owned and run by XXXXXXXX XXXX XXXX ) Reported to the local Minnesota police who determined nothing criminal in Minnesota. XXXX ) Filed a request for investigation in Florida XXXX ) Requested the FDIC investigate if funds were swept by the bank prior to XXXX XXXX XXXXg insolvency XX/XX/XXXX - transferred onto Federal Reserve and no response XXXX ) Contacted our local Sheriff 's department XXXX ) Consulted a Federal attorney in XXXX XXXX Iowa who referred us to an XXXX XXXX XXXX XXXX XXXX we did not engage either attorneys services XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN and now XXXX for XXXX XXXX XXXX XXXX XXXXXXXX, MN His cell : XXXX Stated to XXXX he turned in request to return our wired funds XX/XX/XXXX to his corporate office. XXXX XXXX - Salesman foXXXX XXXX XXXX XXXX XXXX MN and now a Salesman foXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN His cell : XXXX XXXX XXXX - XXXX guy who communicated with us about wiring to XXXX XXXX XXXX he is now also witXXXX XXXX XXXX XXXX XXXX although we aren't sure what location. We have an email dated XX/XX/XXXX from XXXX refunding {$1000.00} back to our credit card and stated wire would be returned to us the following week. XX/XX/XXXX - XXXX spoke to him again on the phone and he indicated he could see a certified check had been cut and we should see in the mail. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-06-10 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: TX

Complaint narrative:
CAINE XXXX WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE XXXX 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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I disputed charges from a travel agency approximately XXXX months ago. My intention was to dispute billing charges, but Bank of America incorrectly classified the matter as fraud and issued a replacement card. Since then, I have provided all the requested documentation multiple times. The dispute department continues to close and reopen the case, repeatedly extending the review period by another 60 days. The merchant is no longer operating and can not be contacted. Despite my cooperation and the extensive documentation provided, Bank of America has failed to resolve the dispute within a reasonable timeframe.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MARINER FINANCE, LLC
State: DE

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Zip Co US Inc.
State: VA

Complaint narrative:
After several months and years is zip pay saying there is a hold on my account because it can't verify my identity- after it has been verified for yrs. Even as early as this month. Without any prior notice or advanced warning or reason and without requesting anything to verify my identity it put a hold on my account so I can't use it and can't Update/Change my security account settings. Despite the fact that I already payed off every single loan ( pay plan ) on time this yr. and some even early payed off. In their e-letter from on their website it says because we can't verify your ( identity ) name, address, & social security number # - { things it has had for months and years }. Also in the hold letter attached zip listed a fake phone number # ( XXXX ) that doesn't go anywhere and just hangs up on you. { see their attached letter } I googled it the wording & language in their XXXX letter- and they have sent that ( exact ) same letter to millions of XXXX - some of which have been waiting for months or yrs, for them to explain it or fix it. XXXX XXXX XXXX I want to XXXX what they're doing for the public record and for the millions & millions of other ppl they've done this to - All of which who could/should be filing this same complaint form too, but XXXX not know about it ( exists ). After calling them multiple times to try & fix it/solve this/resolve this - their own employees don't know what causes it and/or how to fix it. And say that some XXXX get it fixed and others don't. Imagine that. And finally I can't use their own contact form on their own Website to contact them about this - because it says it doesn't recognize my mobile phone number # on file - the same exact one that they are texting me to everyday ( all year ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Last year in XXXX, I was informed that my loans payments were going to start. The amount listed was extremely high for income based repayment. I had submitted an application for SAVE when it was possible to do so. Aidvantage never processed that application. When my payment date was coming up I called to find out why my payments were so high and why my IDR application was never processed. They informed me that it was because of the SAVE lawsuits and put my loans into administrative forbearance until SAVE was resolved. Once again, I received notification that my payment was due in XXXX this year, even though I received an email from the department of education stating I had 90 days to find a new plan. I spoke with another person at aidvantage to find out why my payment was still so high and she informed me that even though my loan said I was in an IDR it was actually just the standard 10 year repayment amount and that I needed to apply again for IDR and she gave me a month to do so. I applied and then received another notice that I need to make a payment in XXXX. The amount was still the standard payment plan. I looked at my account and saw that they had not reviewed my application for IDR. I called again and explained what was happening. The women I spoke to said she had no clue what to tell me and paused my loans and said my application should be processed soon. Now I have received another notification to make a payment this month. It is still the super high standard payment and my IDR application has still not been reviewed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
I am writing to dispute a rental debt being collected by Aldous & Associates PLLC on behalf of my former landlord. The balance they are attempting to collect is inaccurate and legally invalid. The landlord 's bookkeeping ledger is highly contaminated and includes charges that violate local, municipal landlord-tenant regulations.I have actively tried to resolve this issue. I previously submitted a debt validation request directly to the company. While they sent a response containing account documentation, the ledger provided was inaccurate and did not reflect legally compliant balances. Furthermore, this matter is currently under active review with the Washington State Attorney Generals Office. On XX/XX/year>, XXXX notified me that Aldous & Associates automatically verified this inaccurate debt to keep it on my credit report. However, Aldous & Associates recently deleted an identical account for my long-past co-signer they had illegally and incorrectly put on his reports based on these exact same ledger errors, collections and regional violations. Despite this, they are continuing to report this inaccurate debt on my XXXX credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX I initiated a bill payment to " XXXX XXXX XXXX, Receiver of Taxes '' in the amount of {$4700.00} through Capital One Bill Pay ( see Capital One bill pay log ) this is attached to my checking account ending in XXXX. On XXXX XXXX Capital One issued the check to XXXX XXXX XXXX XXXX ( attached ) This check was rejected by the Office of the Receiver of Taxes due to Incorrect Payee. This bank error has caused me a 2 % late fee which amounted to {$95.00} for a total of {$4800.00} ( {$4700.00} + late fee {$95.00} ). This is indicated in the letter received from Office of the Receiver of Taxes ( attached ) On XXXX XXXX I arrived at the Capital One branch located at XXXX XXXX XXXX XXXX XXXX, NY XXXX and submitted claim # XXXX for {$4700.00} + late fee {$95.00} On XXXX XXXX Capital One canceled their defective check and credited my funds of {$4700.00}. To date Capital One has not reimbursed me the late fee of XXXX. Branch personnel and I have made several calls to Capital One customer service at XXXX in an effort to resolve this issue, we have only received conflicting and inaccurate information. I am requesting that the late fee of {$95.00} be credited to my account as this fee was due to the bank error. Attached is rejection letter from Office of the Receiver of Taxes, Capital One Bill Pay payee log, and the defective check issued by Capital One. Thank you for your assistance. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
I used affirm to order a car part via XXXX XXXX. The vendor I order the part from canceled the item and issued a refund. Immediately I requested a refund with affirm and ordered a car part from a second vendor. Affirms system did not issue a refund until a week later but they issued a refund on the wrong loan and their system is indicating that I owe payment on XXXX loans because affirms system left XXXX payments on the refunded loan open. The payment are due on the same day as the second loan. I called affirm and recorded the phone call after I was transferred to the XXXX person out of XXXX in XXXX. They refused to fix the payment due error by removing the erroneous payment due and applying it to the correct loan and deleting the loan that does not exist anymore. Now I'm being forced to repay a loan that does not exist anymore, they are refusing to provide documentation or an address to request this information. If I don't make the payment on the erroneous loan it will go on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I do not recognize this account and am requesting that it be investigated and verified for accuracy.

Company response to consumer: Closed with explanation