vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am disputing a {$1000.00} charge from XXXX XXXX in XXXX on my XXXX XXXX account. I never authorized any procedure or financing. I only called the clinic to request information and never signed any documents or gave consent. I already opened a dispute with XXXX over 30 days ago and have not received any response. I also contacted the clinic directly, and they told me that the charge was canceled. However, I am still receiving billing statements showing this balance. This is an unauthorized charge. I am requesting that XXXX remove this balance immediately and provide proof of authorization if they claim it is valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/year> collections for Comenity Bank at XXXX agreed to reduce late payment charges by {$35.00} if I paid {$47.00}, which would zero the account balance. They accepted {$47.00} on XX/XX/year>. They informed me to check back middle XXXX as the minimum interest of {$2.00} would accrue. I checked back and see that they did not apply then {$35.00} per agreement. I contacted several collection representatives to honor the compromise agreement but they stated they were unable to apply a credit because the account was closed there was nothing they could do. They apologized but nothing they could do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Monterey Financial Services LLC
State: AZ

Complaint narrative:
I am filing this complaint against XXXX XXXX and their servicer, Monterey Financial Services, regarding a predatory " bait-and-switch '' leasing scheme. I attempted to purchase a firearm for approximately {$900.00} via XXXX. The financing was presented at the point of sale as a standard loan, but the contract was executed as a high-cost " lease-to-own '' agreement. This has resulted in a total payment demand exceeding {$2000.00}, which is over 200 % of the original purchase price. Pattern of Deception : This company has a documented history of this exact behavior. In DecemberXX/XX/year>, the New York Attorney General secured a {$2.00} XXXX settlement against Monterey Financial for misleading consumers with these unlawful disguised leases. Current Harassment : Monterey Financial is currently violating the FDCPA by continuing collection efforts despite my formal notice to cease and desist. They have threatened to damage my credit score to force payment on an unconscionable contract. I am disputing the entire balance and the legality of the underlying agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint regarding an alleged credit card account originally issued by XXXX XXXX XXXX XXXX and later sold to Resurgent Capital Services and LVNV Funding LLC. On or around XX/XX/year>, this account was reported as charged-off and transferred/sold. It is currently being reported on my credit report with a balance of approximately {$1200.00}. I previously disputed this account and requested full validation of the debt. Specifically, I requested a signed agreement or contract, a complete payment history, an itemized breakdown of the balance, and documentation proving the full chain of title from the original creditor to the current debt buyer. The company responded but failed to provide any of the requested documentation. Instead, they provided a generic statement claiming the account was accurate along with a basic notification that the account was sold. This does not constitute proper verification under the Fair Credit Reporting Act. Additionally, the balance being reported has not been substantiated with any itemized accounting, and there is no evidence showing how the amount was calculated. Without supporting documentation, the amount being reported can not be confirmed as accurate. Despite the lack of proper validation, this account continues to be reported to the credit reporting agencies, which is misleading and damaging to my credit profile. Under the Fair Credit Reporting Act, furnishers of information are required to conduct a reasonable investigation and ensure that all information reported is accurate and verifiable. In this case, the investigation appears to have been insufficient. I am requesting that the company either provide full and complete documentation validating this debt, including proof of ownership and a complete accounting of the balance, or immediately delete this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX See previous complaint number above. I'm adding phone numbers to the complaint. The company stated they were Lambert and Lambert. They said they contacted me from XXXX XXXX XXXX They called because they were upset that my credit card did a charge back after my dispute. They threatened to take me to court and send me before a judge because I was committing a Felony. They repeatedly stated the call was being recorded. These are the numbers they used XXXX, and XXXX. My wife called to confront them to find out if it was indeed a scam and they used profanity with her and stated that they would scam our whole family and find out their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a vehicle last week and when signing they told me my XXXX XXXX was XXXX. Normally I am in the mid XXXX. I ran my credit karma and noticed a XXXX XXXX card in my name with {$8000.00} on it. I have called home depot and they have put a hold on the account which is in Michigan and I'm in Florida. None of the information matches my address nor phone number. This has greatly effected my credit rating. Thank you

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 non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: MI

Complaint narrative:
I initiated an international money transfer through Abound on XX/XX/year> ( XXXX ID : XXXX ). The funds were successfully debited from my account, but they have not been delivered to the recipient in XXXX, nor have they been refunded to me. It has now been over a month since the transaction, which is significantly beyond the expected delivery timeframe. I have made multiple attempts to resolve this with the company. I requested the XXXX / bank reference number, confirmation of transfer to the recipient bank, the current status and location of the funds, and a clear resolution timeline. The company has not provided any of this information. Instead, I have received repeated generic responses stating that the issue is under escalation with their banking partner, without any verifiable details or resolution. At this point, the funds are unaccounted for, and the company has failed to complete the transfer or issue a refund. I am requesting either immediate delivery of the funds or a full refund, along with complete transaction trace details.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: AK

Complaint narrative:
I enrolled in Clarity Debt Resolution 's debt settlement program in XX/XX/XXXX with a total enrolled debt of {$34000.00} across five accounts. I have been paying {$670.00} per month as required. As instructed by Clarity, I stopped making payments to my creditors upon enrollment. Around XX/XX/XXXX I received a summons from XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX for {$17000.00}. I filed a written answer on XX/XX/XXXX. I have a status hearing scheduled for XX/XX/XXXX before Judge XXXX XXXX in XXXX, XXXX, case number XXXX. Since receiving the summons in XX/XX/XXXX, I have made numerous calls to Clarity requesting updates on the status of negotiations. I have consistently been unable to speak with anyone beyond customer service representatives, have never received a callback despite requesting one each time I call, and have never received any written updates on my account status. Despite the active lawsuit and upcoming court date, Clarity made only one contact with XXXX XXXX 's legal representative on XX/XX/XXXX. XXXX XXXX 's paralegal returned the call and left a message but received no response from Clarity for over a week. I discovered this myself by calling XXXX XXXX 's attorney 's office directly on XX/XX/XXXX. A second contact was made by XXXX 's negotiator on XX/XX/XXXX at XXXX XXXX XXXX only while I was on hold during my complaint call to Clarity. When I spoke with a supervisor today, he was unable to confirm whether contacts were calls or voicemails, could not tell me what settlement offer had been made, and discussed paying the debt in full rather than negotiating a reduction which is the service I contracted and have been paying for. I have not received any written updates despite this being a contractual obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing this complaint against Barclays Bank regarding inaccurate and inconsistent reporting on my credit reports. This account reflects non-consecutive and contradictory late payment history and has now been updated to a charged-off status. The delinquency progression does not follow a consistent or verifiable pattern. I have disputed this account since XXXX, yet it continues to be reported as verified without any documentation being provided. This inconsistent reporting is inaccurate and does not comply with proper credit reporting standards.

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 2026-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because there are collection accounts on my credit report that do not belong to me. I monitor my credit regularly, and these accounts suddenly appeared without my knowledge or authorization. I never approved or had anything to do with these accounts, and it is extremely frustrating to see inaccurate information being reported under my name. This situation needs to be addressed and corrected immediately.

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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: HI

Complaint narrative:
Card Number : XXXX Hi, I have attached two letters from XXXX Bank clearly showing XXXX Bank clearly stating my account was placed with a third party collection agency for servicing which is TruAccord .. XXXX Bank also clearly confirmed in their letters to me that I did speak with a XXXX Bank Representative who told me to contact TruAccord to resolve the collections shown on my credit reports from XXXX Bank With this said : If XXXX Bank sold my debt to TruAccord, ( XXXX Bank stated that they placed my account with TruAccord and a reasonable assumption is TruAccord now owns this debt and XXXX Bank does not as my personal information including social security number was provided to TruAccord without my permission ), then why doesnt XXXX Bank report this accurately on my credit reports as a chargeoff? .... Seems like convenient fraud and extremely bad business practices. IF TruAccord is truly servicing my account and owns my debt on behalf of XXXX Bank as XXXX Bank has stated, why doesnt TruAccord reply to my requests to settle this debt in a timely and efficient manner? ..... XXXX Bank cant have it both ways, continue to report negatively on my credit reports, and use TruAccord as a scapegoat to do so In addition, XXXX Bank is currently reporting an incorrect amount on my credit report, {$1800.00}, which is an inflated amount that reflects unnecessary interest and fees It was recommended by the FTC and FDIC I obtain an attorney to resolve this issue with XXXX Bank, however why cant the CFPD hold companies like XXXX Bank accountable? .... The letters are very clear evidence XXXX Bank has made untruthful statements then makes no attempt to resolve consumer questions related to their consumer fraud. I sent two emails to TruAccord requesting help with NO reply In addition, I went to TruAccords website and filled out their online request for help form also receiving NO reply. With all of this said, XXXX Bank it is important that your company does the right thing and remove yourselves from my credit reports or at the very least report it accurately as a chargeoff as well as Definitely Stop selling and giving away my personal information TruAccord please also do the right thing and dont allow XXXX Bank to make false statements regarding the use of your services when they clearly are not TruAccord should also use better business practices in communicating in a timely and efficient manner regardless of large companies like XXXX Bank being fraudulent in their business practices I would like this matter resolved in a timely, efficient manner and not in the same unethical communication approach by both XXXX Bank and TruAccord, further causing delays in limiting my ability to move forward in life from a poor credit score. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My car had got repoed and i have got no notice that it was happening and by the law when you damage a vehicle or use ur authority it is breach of peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
My motorcycle was repossessed in XXXX as a direct result of the Covid national disaster. On XX/XX/XXXX, I noticed this was still on my credit report and on this date, I contacted Harley-Davidson Financial Services requesting a goodwill deletion of this repossession from my credit report given the extraordinary circumstances. I spoke to a woman named XXXX. She refused. I am currently in the process of purchasing a home and this item is negatively impacting my ability to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: NC

Complaint narrative:
I was informed on my credit report that I had a collection from progressive. I have never had progressive and never will. My ex wife had an account with them a very long time ago. I will take legal action if the debt that is clearly not mine isnt deleted off my credit report now! You have 2 weeks and I will contact my lawyer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc
State: WA

Complaint narrative:
The companys response confirms they did not properly notify me. They state the notice was mailed to an address I no longer lived at and another address that was not mine. This demonstrates the information associated with this account is inaccurate and that reasonable efforts were not made to contact me, despite having my correct email and phone number. I was not made aware of this debt until it appeared on my credit report. Due to the failure to provide proper notice and the use of incorrect address information, I am requesting this account be removed from my credit report immediately. This complaint I previously filed with pudget sound they provided documents that had not the right mailing address and an address that wasnt mine. The manager XXXX that no longer works at that property didnt email me the ledger until after it already popped up on collections This also says it was opened up when I filed a dispute which thats the wrong date.

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 2026-03-18 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: Sezzle Inc.
State: OH

Complaint narrative:
Order ID : XXXX Was sent the wrong product, returned what I received and Sezzle still sided with the company and has refused to show me what proof they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am formally disputing the accuracy and completeness of this account as it is currently being reported. The account shows conflicting and misleading information that appears inconsistent and potentially inaccurate under the Fair Credit Reporting Act. The report reflects that the account is closed, has an amount past due of {$0.00}, and includes remarks such as paid profit and loss, settled-less than full balance, and dispute resolved ; consumer disagrees/account closed by consumer. However, it is still being reported with a payment status of In Collections/Charge-off and a worst payment status of 120+ days late. If the account has been closed and no balance is past due, then continuing to report it in a manner that suggests an active delinquency or collection status is inaccurate, misleading, and unfairly harmful. Additionally, the remarks listed are contradictory and confusing. The reporting does not clearly and accurately reflect the true final status of the account. If the debt was settled, paid, or otherwise resolved, then the account should be updated to reflect a XXXX balance and a proper final status that does not misrepresent the account as currently delinquent or in collections. I am requesting that this account be fully investigated and corrected. Please verify the accuracy of all reported payment history, status codes, balance information, remarks, and closure details. If the information can not be verified as complete and accurate, I request that it be deleted from my credit report. At minimum, the tradeline should be updated to reflect a {$0.00} balance, no current past due amount, and a final status that is accurate and not misleading. Please send me the results of your investigation and provide the method of verification used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i have a number of collection accounts that been pass to companies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
The merchant made an entire XXXX spreadsheet containing each amount that was refunded, the order ID and the order products, the card number that it was refunded to that is owned by affirm, and the refunds that were wrongly sent to affirm that were supposed to refunded to XXXX, and, i have not seen these refunds in any account and I have sent this information via email to AFFIRM twice and have called multiple times and they gave me a case number but have failed to follow through.

Company response to consumer: Closed with explanation