vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding deferred interest applied to my XXXX XXXX account used for medical financing with XXXX. I was placed into a promotional financing plan that was presented as a payment plan for treatments. I made consistent payments and believed I was satisfying the financing terms. I was not clearly informed that if the balance was not paid in full by a specific expiration date, all interest from the beginning of the loan would be retroactively added. A charge of {$2200.00} in deferred interest was suddenly added to my account. This was not reasonably explained at the time of the transaction and I would not have entered the agreement had I understood this consequence. Additionally, I currently have an active billing dispute for a separate XXXX package where services were largely not rendered and the account is under investigation. I am requesting a goodwill adjustment and review of the deferred interest charges, as the promotional terms were not clearly disclosed in a manner a reasonable consumer would understand during a medical consultation setting. I am requesting removal or reduction of the deferred interest and a full account review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Global Tel*Link Corporation
State: FL

Complaint narrative:
I signed up for XXXX to make contact with my Godson who is currently XXXX due to XXXX XXXX. I deposited money twice on XX/XX/year> and my account was never credited. I emailed the company and they emailed back saying I had to call in. I have called multiple times sitting on hold for over 30 minutes each time. I finally opted to have a call back instead of sit on the phone. When I was called back the man on the phone was rushing me for the dates which I needed to log into the app to find the dates- he offered NO guidance on where to find the information that is clearly seen on their end. He told me I could call back when I had my information together and I said absolutely not because this has all been a huge hassle at which time he started telling me how I needed to act which absolutely escalated the call. He would not stop talking over me telling me how I needed to to speak to him so badly he couldn't grasp that I was telling him the date he asked for over and over and hung up the line. The method of communication for people XXXX awaiting trials is a scam and people are being charged and still not allowed to get in touch with who they are reaching out to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT BUREAU OF BISMARCK, INC.
State: ND

Complaint narrative:
In XX/XX/year>, my bank account was frozen after the company sent an invalid levy using a case number they were not authorized to use. The levy was not filed with the court and was emailed to me by my bank with the wrong amount and my full XXXX exposed. When I noticed the freeze on my account, I emailed the company asking them to validate the debt and explain the levy, but they never replied. I then raised the issue through my first CFPB complaint, and their response did not match the evidence. I later served the company with the required court documents, and as stated in the court order, they did not respond. The freeze caused financial harm, including loss of access to my only income account and negative impacts on my bank products. The company has never provided accurate information or documentation about the levy or the amount they claimed. These actions show a misuse of legal processes and automated systems to collect a debt without proper authority or verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/year>, I financed the purchase of a printer for {$2800.00} through PayPal Credit ( Synchrony Bank ). The printer was defective from delivery and never produced a single usable print. I immediately began working with the merchant, XXXX, under warranty. Over several months, the seller directed extensive troubleshooting and required multiple self-repairs instead of providing replacement or refund. Despite repeated repair attempts, the printer never functioned. The seller acknowledged ongoing defects by sending replacement parts but refused replacement of the unit. I submitted a billing dispute through PayPal Credit requesting reversal under the Fair Credit Billing Act due to non-delivery of usable goods. The dispute was denied despite extensive documented evidence showing the product was never functional. I am requesting that Synchrony Bank conduct a full investigation and reverse the {$2800.00} charge because the goods were never delivered in usable condition.

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 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Client Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX and co workers with client services. Phone number XXXX. Client services has threatened to serve me paperwork for court several times and threatened to take me to court. It is like pulling teeth to get them to identify who you're speaking with on the phone. Client services has given me bogus physical addresses and refuses to validate debt through certified mail on a debt that is 6 years old. Need phone calls and threats to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient prior was XXXX told me to keep doing deferment and told me income based payments were not good. They constantly XXXX send me breakdowns when I asked for them. They applied all my payments to the lowest interest even though I paid on the highest interest. With all their theft and deception my loans XXXX in size. I still have XXXX loans showing on my credit report as bad going all the way back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: Google Compare Credit Cards Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I was charged twice ( {$100.00} each ) for the same annual XXXX XXXX XXXX subscription processed through Google Payments. Both charges were posted on the same day for the same product, resulting in the subscription being stacked for two years instead of one. The second charge was not intentional - after the first payment, I noticed it was not renewed yet. So I tried to renew the subscription again. After identifying the duplicate billing, I contacted GoogleXXXX XXXX and initiated a dispute. I followed up multiple times on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. During these contacts, I was informed that the matter had been escalated to a higher specialist team for review. However, no final written determination, refund, or timeline for resolution has been provided. More than 60 days have passed since my initial dispute. I repeatedly requested clarification on refund eligibility, status updates, and an expected timeline. Each time, I was told that support was waiting for response from higher specialist. I was also advised that submitting additional escalations could delay the process. Additionally, I was informed that while the stacked annual subscription remains active under Google Play billing, I am unable to upgrade to XXXX XXXX. Because XXXX XXXX includes XXXX XXXX XXXX, this situation effectively locks me into an unintended two-year lower-tier subscription without the ability to convert or upgrade the plan. Due to this limitation, I separately purchased XXXX XXXX under a different account. At minimum, I am requesting refund of the duplicate {$100.00} charge. I am also requesting formal resolution of this dispute, as the company has not provided a final determination within a reasonable timeframe despite repeated follow-ups.

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 2026-02-23 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I requested a balance transfer of {$870.00} on XX/XX/year>. Barclays pretended like they did a balance transfer, they charged me a balance transfer fee, interest on the balance transfer fee, interest on the {$870.00} that they never transferred. I spoke with them multiple times and they promised to stop charging all of these fees, to reverse the transfer they never did, and stop charging me money, and interest, and fees for the transfer they never transferred. They won't remove the {$870.00} from my account, They won't remove the transfer fee, they won't remove the interest for the imaginary transfer that never happened.

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 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX RE : Formal Complaint Regarding Inaccurate, Unverified, and Duplicate Credit Reporting Credit Reporting Companies Involved : XXXX XXXX XXXX Furnishers Involved : Midland Credit, Midland Credit Management, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear CFPB Representative XXXX I am submitting this formal complaint regarding multiple inaccurate, unverified, and duplicate entries appearing on my credit reports with XXXX XXXX XXXX XXXX Despite submitting disputes directly to the credit bureaus, these errors remain and have not been corrected or validated in accordance with the Fair Credit Reporting Act ( FCRA ). My attached complaint outlines the ongoing issues, including : Unverified and duplicate collection and charge-off accounts Hard inquiries that appear to be unauthorized or lacking a permissible purpose Incorrect personal identifying information ( names, addresses, and date of birth ) The credit bureaus failure to conduct a proper and reasonable reinvestigation as required by FCRA 1681e ( b ), 1681i, and 1681s2 These inaccuracies have caused significant harm, including higher interest rates, loan denials, and challenges obtaining housing and employment. Request for Action I am requesting that the CFPB require the credit bureaus and furnishers to conduct a full and lawful reinvestigation of all disputed items, and to provide documentation showing how each item was verified. If any account, inquiry, or piece of personal information can not be fully verified, I am requesting that it be removed or permanently deleted from all three credit bureaus, as required under the FCRA. Documents Included Full CFPB complaint description Government-issued ID Proof of current address Redacted credit report pages showing disputed items Copies of any prior dispute letters ( if applicable ) Thank you for your time and for reviewing this complaint. I respectfully request your assistance in ensuring that the credit reporting agencies and furnishers comply with federal law and correct or delete all inaccurate, unverifiable, or incorrectly reported information. Sincerely, XXXX XXXX XXXX Additional information provided by consumer : XXXX Consumer wishes for complaint to be sent to Midland Credit Management. Once complaint has been updated please send to company for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: TX

Complaint narrative:
I am writing to formally raise a concern regarding a recent international remittance of USD XXXX sent to my fathers account with XXXXXXXX XXXX XXXXXXXX XXXX ( Account No : XXXX, Account Holder : XXXX XXXX XXXX XXXX ). The transfer was initiated on XX/XX/XXXX through the money remittance application Abound, which claims affiliation with XXXX XXXX XXXX XXXX. The transaction status in the Abound app shows as Delivered as of XX/XX/XXXX. However, the funds have not been credited to the beneficiarys XXXX XXXXCan you please track the below transaction from XXXX back end team standpoint? Please find the transaction details below for your reference : Abound Transaction ID : XXXX USD Amount : {$9100.00} XXXX Account Number : XXXX Debited From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : Abound Account Holder Name : XXXX XXXX XXXX XXXX Transaction Initiated Date : XX/XX/XXXX Status Showing as Delivered Date : XX/XX/XXXX This situation is extremely concerning, as the funds were sent for an important family need. I kindly request your assistance in urgently reviewing this matter and providing clarification on the following : The exact account to which the funds were credited. The reason the transaction status shows Delivered despite the amount not reflecting in the beneficiarys account. The current status and location of the funds. Given the significance of this transfer, I respectfully request that this issue be treated as a priority and that the transaction be traced at the earliest possible time. I look forward to your prompt response. Please refer to the Transaction screenshots as below

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 2026-02-23 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: NJ

Complaint narrative:
On XXXX XXXX XXXX I initiated an international remittance of {$5200.00} through Abound to XXXX The transfer amount was XXXXXXXX. The transaction ID is XXXX, email for the Abound app - XXXX. The Abound app later updated the status to Delivered on XXXX XXXX XXXX. However, the beneficiary bank account has not received the funds. The recipient verified directly with their bank branch and updated the passbook, and there is no credit entry for XXXX. The beneficiary account number is correct and has been successfully used for prior transfers. I contacted Abound customer support and provided the beneficiary bank statement as requested. I submitted the bank statement two days ago and have sent multiple follow-up emails since then. I have not received any response or update. I have requested the UTR number, confirmation of the transfer method ( IMPS/NEFT/RTGS ) XXXX and proof of credit from their XXXX banking partner, but the company has not provided this information. Despite the transfer being marked as Delivered, the funds have not been credited to the beneficiary account, and the company is currently unresponsive. I requested an immediate trace of the funds, confirmation of their location, and prompt resolution of this matter. I had shared a copy of the passbook update and also the bank statement provided by XXXX XXXXXXXX XXXX. Even after multiple follow-ups, there is no proper response from the support team and I do not know what to do.

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 2026-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was a student loan borrower for years with NAVIENT. Navient forced me into forbearance with them for years and interest rates increased so high making it impossible for me to meet the minimum payments. Its upsetting and XXXX breaking how this student loan borrowers could do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am not responsible nor aware of this debt. I have known knowledge of this account.

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 2026-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc.
State: WI

Complaint narrative:
1. Product : Credit reporting by XXXX, XXXX, and XXXX Issue : Credit inquiry without permission Multiple companies accessed my credit report without my authorization and without permissible purpose. Re : Dispute of Unauthorized Hard Credit Inquiries Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Under the Fair Credit Reporting Act, a consumer reporting agency may only include inquiries when there is a valid permissible purpose, as defined under * * 15 U.S.C. 1681b ( FCRA 604 ) * *. I did not authorize these entities to access my credit report, nor did I initiate any application or transaction that would give them permissible purpose. 2. XXXX XXXX XXXX Account Number : XXXX XXXX |dispute the validity of the above-referenced alleged medical debt. I am disputing the accuracy of any reporting of this account to consumer reporting agencies. Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), you are required to conduct a reasonable investigation of disputed information and may not furnish information that can not be verified as accurate. 3.Consumer Portfolio Services is furnishing inaccurate information to consumer reporting agencies regarding debt was impacted by a natural disaster and satisfied through a XXXX insurance settlement. Fair Credit Reporting Act, including * * 15 U.S.C. 1681s-2 ( a ) * * and * * 1681s-2 ( b ) * *, furnishers of information are legally required to report accurate information and to correct inaccuracies after receiving notice of dispute.

Company response to consumer: Closed with explanation