vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Date : XX/XX/year> XXXX  Credit Union XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 
You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. 
Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. 
You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( XXXX U.S. Code XXXX ( a ) ( XXXX ) ( A ) ). 
I am formally demanding the following documentation within XXXX calendar days from the date of this letter : XXXX. The original signed contract or application bearing my signature showing liability for this debt. 
XXXX. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. 
XXXX. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. 
XXXX. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. 
XXXX. Your debt collector license number and the state ( XXXX ) in which you are licensed to collect. 
XXXX. Your surety bond information, as required by law in certain jurisdictions. 
If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return the account to the original creditor and permanently cease any further action on this matter. 
Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under XXXX U.S.C. XXXX and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs. 
I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary. 
Let this serve as your final warning. Failure to comply within XXXX calendar days will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is a follow up to my XXXX complaint filed on XXXX Complaint # XXXX Following submission of my complaint, I received a letter from Comenity notifying me that my account had been suspended and demanding a payment in the amount of the original payment made ( which was cancelled at their direction ) along with any " applicable fees. '' I updated my original letter to respond to this demand and am attaching it here along with the letter I received from them. Further details are provided in the attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Received notification through XXXX XXXX XXXX that an XXXX  Rewards account was opened on XX/XX/XXXX, and due a balance of XXXX. This was the first notice we received on XX/XX/XXXX. Original Creditor listed is Comenity Capital Bank. After calling phone number, the account was opened under a fraudulent name ( XXXX XXXX XXXX, at a store in XXXX area ( about XXXX hours from our house at store location we have never been to ). We discussed all this with representative of XXXX XXXX XXXX. how this was a fraudulent account that we did not open, representative agreed with us after looking at name and store location. We keep receiving mail about balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: Chime Financial Inc
State: CA

Complaint narrative:
From when I was out of the country XXXX I had several charges, which drained my account to negative - {$3.00}. After checking my account I see charges of {$19.00} to {$190.00}. I contacted several times to CHIME and kept filing disputes, sent receipts showing I was staying at an XXXX XXXX and an all inclusive resort the last day I was on vacation. XXXX charge was for a hotel which was not me. They denied it even though showing those receipts that I was in fact staying at a pre paid place that was paid months before arriving. I also sent screen shots from when I XXXX one of the merchants that charged me and then saying a MAN used my card to make a payment. I am FEMALE. I sent chime all of that information and called them several times to try to dispute the charges and kept getting denied. I called them after the 4th time of them denying the disputes and spoke with a supervisor which ended up hanging up on me when I was pleading my defense that I did not make those charges. I was crying in frustration at this point and I called back and asked to close my account and a phone number to file a complaint against the bank and they said they didnt have one. I asked if I can get the phone number for the FDIC complaints, again was denied that information. This bank let me get drained from unauthorized charges and no resolution and stranded in a foreign country because my money was gone to get back home. I had no need to pay for a hotel on the next day I got to my vacation as we had an XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I call Capital One on XX/XX/XXXX to dispute a transaction for XX/XX/XXXX. That's XXXX XXXX XXXX Prior to calling them to file an official fraud dispute. I attempted to try to locate the transaction information. There was no address. There's no phone number to call to verify if this transaction was legitimate.Here we are XXXXXXXX XXXX  I get a letter from capital one stating.Because insufficient information, they determine that the transaction was authorized.And when I called to reappeal, the decision and account fraud manager told me that I could not appeal the decision because of insufficient information that tells them that the transaction was authorized.I repeated myself multiple times telling that the manager that I only authorized three transactions on my credit card.And it was from XXXX XXXX XXXX XXXX XXXX.Not this XXXX XXXX XXXX XXXXThere hasn't been no information provided that led the debt transaction was authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account to credit reporting agencies without providing competent validation of the alleged debt. 

The same debt is simultaneously reported by the original creditor, XXXX XXXXXXXX XXXX  with a different balance, creating conflicting and inaccurate reporting. 

Portfolio Recovery Associates has not provided documentation demonstrating legal ownership of the debt, chain of assignment, or accounting explaining the changing balances reported across credit bureaus. 

Continued reporting without proper validation violates the Fair Debt Collection Practices Act and FCRA 623 obligations to report accurate information. 

Additionally, ongoing monthly reporting activity appears to refresh the accounts negative impact despite the original delinquency occurring in XXXX raising concerns of improper re-aging. 

I request immediate deletion of this account from all credit reporting agencies or full validation including bill of sale, transfer records, and complete payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I called the Capital One support hotline in regards to being unable to open an account on their app. I already have a credit card and savings account with them, so they have all of my information on the app. While on the phone, they informed me that they do not know why I cant open an account, and after asking for my entire social security number, the woman I spoke to informed me that she could not open an account over the phone due to security reasons. Im not sure why they would ask for my entire social security number if there is a security risk to open an account over the phone. I called again on XXXX XXXX, and no one had an update for me. I called again on Wednesday XXXX XXXX and there was still no update. 

Im considering closing all my my accounts considering Ive received little to no communication about this issue and it seems there is no urgency to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/2025 Credit Bureau Name- XXXX  Identity Theft Dispute Block Request under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute and request the immediate blocking of an account that has been fraudulently reported in my name by Jefferson Capital Systems on my credit report. This request is being made in accordance with 15 U.S.C. 1681c-2, which allows victims of identity theft to block information from appearing on their credit reports. The account in question is : Creditor Name : Jefferson Capital Systems Account Number : n/a Date Opened : XXXX Balance : XXXX I have never opened, applied for, or authorized this account, and I believe it is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hi, I was told my account is being closed I DID NOT receive any mailed letter stating that my account was closed no information nothing .i found that out via XXXX XXXX app Thursday I called and was being told that it was done since XX/XX/XXXX mind you Im still within the 30 days timeline however upon calling the gentleman I spoke with lied and said Im not within the time which is incorrect he stated it was closed for inactivity with no balance on it so my question is why cant it be reopened since I always had good standing records, why wasnt i informed and should i reapply for another?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
NEW COMPLAINT - Inadequate RESPA Response and Documented Accounting Error I am filing this as a new formal complaint regarding Rocket Mortgage 's failure to properly investigate and respond to escrow account errors on loan # XXXX. 
Background : I previously filed CFPB complaint # XXXX disputing an escrow shortage. On XX/XX/XXXX, Rocket responded claiming " no error occurred. '' However, Rocket XXXX own Transaction History documents that they provided prove a significant accounting error exists. 
The Core Issue : On XX/XX/XXXX, I made an {$800.00} payment specifically designated for my escrow account. According to Rocket XXXX Transaction History ( Page XXXX of XXXX, Lines XXXX ), my {$800.00} payment only reduced my escrow shortage by {$26.00}. This means {$770.00} of my {$800.00} payment is unaccounted for. 
Mathematical Proof from Rocket XXXX Records : Escrow balance BEFORE my {$800.00} payment ( Line XXXX ) : - {$320.00} Escrow balance AFTER my {$800.00} payment ( Line XXXX ) : - {$290.00} Actual improvement : {$26.00} Expected improvement : {$800.00} Discrepancy : {$770.00} Rocket acknowledged receiving my {$800.00} payment but provided no explanation for why only {$26.00} was credited to my escrow balance. This is a violation of RESPA requirements for reasonable investigation and adequate written explanation of findings. 
I am requesting that the CFPB require Rocket Mortgage to : Provide detailed accounting explaining where the {$770.00} went Conduct a proper audit of my escrow account Correct the error and adjust my monthly payment accordingly Refund any overpayments resulting from this error

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I received a statement dated XX/XX/XXXXXXXX  that included a paper statement fee of {$2.00}. 
I called customer service and told them that i never agreed to pay a fee for paper statements and was told that it is their new policy and that I can avoid the fee by going paperless. i told them that I don't agree with the policy change and would like my account closed ( Conformation # XXXX ). I paid the bill in full less the {$2.00} fee. 

I received a statement dated XX/XX/XXXXXXXX   with the ( {$2.00} fee ) balanced carried over with a minimum interest charge of {$2.00} for a total balance of {$4.00} due. I called customer service again spoke with XXXX and was told although the account was closed i still would need to pay the {$4.00} I told her I never agreed with the charge and was not going to pay. 

I received a statement dated XX/XX/XXXXXXXX  with the previous {$4.00} balance plus another {$2.00} paper fee plus a {$4.00} late fee and {$2.00} minimum interest charge for a total of {$14.00}. I once again called spoke with XXXX and a supervisor XXXX and was told that I must pay and if not it will continue to increase. 

I received a statement dated XX/XX/XXXXXXXX   another {$19.00} in fees new balance of {$34.00}. 

I believe these charges are abusive and fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-15 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: TIDEWATER FINANCE COMPANY, INC.
State: IN

Complaint narrative:
am formally disputing the repossession of my XXXX XXXX XXXX conducted by your company on behalf of Tidewater Finance. 

The vehicle was taken between approximately XXXX XXXX  and XXXX XXXX, while it was located inside my enclosed, fenced backyard, behind a closed and latched gate, and partially within my garage/driveway area. Entry into a closed and latched fenced area constitutes a breach of the peace under Indiana UCC XXXX. 

No consent was given for entry onto my property. No notice or tag was left. All of my personal property remains inside the vehicle and there was damage to my property I hereby demand the following : The exact storage location of the vehicle and hours for access. 

Immediate arrangements to retrieve all personal property from the vehicle. 

Preservation of all evidence related to this repossession, including : Repo reports and agent notes Photographs and video GPS/location data Tow truck logs Time stamps and dispatch records Communications with Tidewater Finance Please be advised that destruction or alteration of evidence after receipt of this notice may subject your company to legal liability. 

I expect a written response immediately. 

XXXX email to Tidewater I am submitting this email as supplemental evidence regarding the repossession of my XXXX  XXXX XXXX, which occurred during the early morning hours of Monday XX/XX/XXXX at about XXXX XXXX  Following the repossession, I conducted an inspection of my property and discovered physical damage caused during the repossession process, including : - Damage to my fenced gate and locking mechanisms- Destruction of personal property ( a step/tool located in the driveway that was run over ) - Evidence of entry into a closed, enclosed, and secured area Attached photographs document : - The condition of the fence and gate - The locking mechanisms in place at the time of repossession - The damaged personal property These photographs supplement my prior written dispute asserting that the repossession involved entry into a secured, enclosed area and resulted in property damage, constitutes a breach of the peace. 

As previously stated, I have already submitted formal complaints regarding this repossession. This email is intended solely to supplement the record with photographic evidence. 

Please also consider this a renewed request for preservation of all records and evidence related to this repossession, including but not limited to : - Repossession reports and agent notes - Photographs and video - GPS/location data - Tow truck logs and dispatch records- Communications between Tidewater Finance and the repossession company This correspondence is provided for documentation purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There was a hard inquiry for a onepay XXXX for XXXX credit that I didn't apply for, when looking into it not matching my info

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 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
My Chime checking account was compromised and unauthorized transactions were made using my debit card. 

On XXXX, I noticed unauthorized charges totaling {$1300.00} that I did not authorize, approve, or benefit from. I did not share my debit card details, PIN, XXXX, or login credentials with anyone. 

I reported the fraud to Chime immediately and followed all required steps, including submitting documentation. 

Despite this, Chime denied my dispute without conducting a proper investigation. 

I am requesting a full review of my claim and provisional credit in accordance with Regulation E for unauthorized electronic fund transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding a solar financing loan originated through GoodLeap for my late mother, XXXX XXXX XXXX ( Account # XXXX ). 

The solar installer funded through GoodLeap ceased operations within XXXX year of installation. As a result, the workmanship warranty can not be validated or enforced. The financed system is now considered a liability in a pending real estate transaction because insurance underwriting requires system removal and the buyer has declined loan assumption. 

The borrower is deceased. The estate has no independent funds outside of the sale proceeds of the property. The property can not convey without satisfying the solar loan balance in full, despite the fact that the financed improvement no longer carries enforceable workmanship protection and has materially impaired property marketability. 

GoodLeap has denied a reasonable, good-faith proposal for equitable adjustment tied directly to guaranteed closing proceeds, and has stated no counteroffer is available. 

This complaint concerns whether a lender may shift the entire financial consequence of contractor insolvency and warranty failure onto a consumer estate while refusing to evaluate equitable resolution under circumstances involving installer collapse and asset impairment. 

I am requesting formal regulatory review of : GoodLeaps oversight of installer solvency The enforceability of warranty protections represented at origination The lenders refusal to consider equitable adjustment despite documented installer failure The fairness of requiring full payoff for an impaired and removal-mandated system I am seeking fair and reasonable resolution prior to closing.

Company response to consumer: Closed with explanation