vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
The account ( s ) I referenced are not fully accurate or properly verified. Under 15 U.S.C. 1692g ( b ), once a debt is disputed and validation is requested, collection activity must stop until proper verification is provided. I am requesting competent evidence that this debt is valid, including a signed agreement, complete account history, and proof that you have the legal authority to collect on this account. Until that information is provided, you must cease collection efforts and remove any inaccurate or unverifiable information from my credit report. Reporting information that can not be properly verified may also violate 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report accurate and complete information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CORELOGIC INC
State: VA

Complaint narrative:
Credo, XXXX put a hard inquiry on my credit report without my concent. I asked them to remove the hard inquiry but they wouldn't remove it. My credit score dropped XXXX points as soon as the hard inquiry was posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Adjustment, Inc
State: AZ

Complaint narrative:
I received a letter from a company attempting to collect a debt of {$260.00} stemming from a hospitalization I underwent in XX/XX/year>. I am currently facing a difficult financial situation and do not have a stable job ; consequently, I tried to have the debt forgiven by the hospital, but that was not possible. They subsequently sent the debt to collections. Now, the collections agency has sent me a letter stating that I have until XX/XX/XXXX to pay the debt. I would greatly appreciate some assistance regarding this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
CREDIT CORP SOLUTIONS , INC. filed a civil suit against me in XXXX XXXX, Alabama around XXXX XXXX 2026 claiming a breach of contract! However under Code of Alabama to establish a breach of contract the contract must be in writing and signed by all parties Al. Code 8-1-223. I properly object in court because no contract exists between me and the aforestated. The trial judge XXXX XXXX XXXX enter a judgement in my favor on XXXX, XXXX 2026 XXXX XXXX. : XXXX. The company set this action in motion based upon fraud in an attempt to collect debt through the ignorance of people! This action unjustly cost me time and money!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing a collection account reported by Credit Corp Solutions Inc . I do not recognize this debt and I have reason to believe it may be inaccurate, incomplete, or not properly validated. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of this account. Specifically, I request the following : * The name and address of the original creditor * The full amount of the alleged debt, including any fees or interest * Copies of any signed agreement or contract showing that I am legally obligated to pay * Complete account history * Proof that Credit Corp Solutions Inc has the legal authority to collect this debt At this time, Credit Corp Solutions Inc has not provided sufficient evidence to validate this account. Therefore, I am requesting that this account be thoroughly investigated. If this debt can not be properly verified, I request that it be immediately removed from my credit report with all credit reporting agencies. Additionally, while this account is in dispute, I request that it be marked as disputed on my credit file in accordance with federal law. I also request that all collection activity cease until proper validation is provided. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit karma said I will get a XXXX XXXX limit credit card with XXXX XXXX XXXX XXXX company and unfortunately up on applying for credit with XXXX XXXX XXXX XXXX they only approved me for {$300.00} however I have screenshots of Credit karma telling me that my limit will be {$2000.00} and if I'm not approved they guarantee approve me for {$25.00}. I am filing a complaint regarding a potentially misleading credit card offer connected to Credit Karma and XXXX XXXX. I was shown that I was pre-approved for a credit card with a reported or expected credit limit of approximately {$2000.00}. Based on this information, I decided to apply for the card. After my application was processed, I was only approved for a {$300.00} credit limit, which was significantly different from the amount that was presented to me during the pre-approval process. I believe the advertising and pre-approval information may have been misleading because it strongly influenced my decision to apply and resulted in a hard inquiry on my credit report. Due to the major difference between the advertised/pre-approved amount and the actual approved limit, I contacted XXXX XXXX and requested that the account be closed immediately after opening it. I am requesting that this situation be reviewed for potentially deceptive or misleading marketing practices. I would also like clarification on how consumers are informed of estimated versus actual credit limits during the pre-approval process. I can provide additional screenshots, emails, and supporting documentation if necessary. Credit karma said I will be approved for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DailyPay, Inc
State: FL

Complaint narrative:
On or around XX/XX/year>, I disputed {$650.00} in unauthorized fraudulent charges made to my XXXX credit card ( Account ending XXXX ). The charges occurred at various XXXX grocery stores in the Florida area between XX/XX/year>. My physical card remained in my possession at all times, I did not authorize any of these transactions, I did not receive any goods or services, and I gave my card information or permission to no one. List of Disputed Transactions : XX/XX/year> {$29.00} XXXX XXXX, XXXX XXXX, FL XX/XX/year> {$150.00} XXXX # XXXX, XXXX XXXX, FL XX/XX/year> {$150.00} XXXX # XXXX, XXXX XXXX, FL XX/XX/year> {$150.00} XXXX # XXXX, XXXX, FL XX/XX/year> {$150.00} XXXX # XXXX, XXXX, FL XX/XX/year> {$13.00} XXXX # XXXX, XXXX XXXX, FL XX/XX/year> {$13.00} XXXX # XXXX, XXXX XXXX, FL ( Pending/Duplicate ) When I initially filed the dispute by phone, the representative explicitly told me I did not need to file a police report. I have since learned this was incorrect advice and am now filing a police report for fraud/identity theft. On XX/XX/year>, I received a denial letter stating that after their investigation, no error occurred and the claim was closed. I believe the banks investigation was inadequate. They appear to have simply accepted the merchants word without properly investigating the strong likelihood of card skimming or cloning at these XXXX locations. I am requesting that the CFPB require the bank to : 1. Re-open and properly re-investigate my dispute. 2. Provide me with all documents and merchant responses used in their original investigation. 3. Credit my account for the full amount of the fraudulent charges ( {$650.00} ) plus any related fees or interest. 4. Provide a detailed written explanation of their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: DApps Platform, Inc.
State: NE

Complaint narrative:
And some XXXX scammers in their company and they are just robbing me blind please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Denefits LLC
State: SC

Complaint narrative:
I contacted the company about the issues and refused to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I received an email from a debt collection agency, Diversified Adjustment Service advising I owe XXXX {$540.00}. I responded requesting proof of this debt as I had service with XXXX but I had cancelled service on XX/XX/XXXX. I had contacted them several times but they refused to speak to me as I did not have a XXXX device for them to send a text to ... so they could not talk to me. I went to the XXXX store several times and was told they are a third party store so they could not help. On XX/XX/XXXX I received an email from Diversified Adjustment Service with a statement dated XX/XX/XXXX from XXXX which did not state what the debt was for as well as a statement from the collection agency stating " Enclosed please find a copy of the verification of debt. Please contact our office to discuss the matter. '' The document received did not verify what the charges were for or when. I had auto pay set up for XXXX. On XX/XX/XXXX they deducted {$120.00}. I canceled service on XX/XX/XXXX and transferred my phone numbers to XXXX. On XX/XX/XXXX XXXX auto deducted another {$90.00} from my bank account. I had not received a bill and to date still have not received anything directly from XXXX stating I owe anything. I would have gladly paid it. I have bank statements showing these auto withdrawals. On XX/XX/XXXX all of a sudden my XXXX XXXX XXXX daughters phone stopped working. She was texting me but it was from a different number. The number that stopped working was the same number we transferred from XXXX on XX/XX/XXXX and she had been using that same number for several years and for over a month with XXXX on a XXXX phone after cancelling service with XXXX. The next day XX/XX/XXXX we went through the same thing again where I tried to contact XXXX but I didn't have a tmobile device to text to so they wouldn't talk to me. I went to the store .. the same thing. They can't help me. I went to XXXX and the XXXX staff spoke with XXXX and they told me to go the XXXX store .. which I did and they could not help me because I now needed a pin and the pin I was provided was incorrect. I was charged after I canceled service with XXXX and was unaware of any debt. The debt collection agency sent a statement which provided nothing but an amount. There was no detail of charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
This account relates to the prior service with XXXX that I transferred to another carrier after paying all applicable charges. After the transfer XXXX withdraw additional funds from my bank account that were not authorized. I filed a claim with my bank XXXX XXXX, which conducted and investigation into the transaction. The bank determined that the charges was not owed, and the funds were credited back into my account after their investigation was completed. Despite the findings the account was later placed with the agency, Diversified Adjustment Services for collection. Because the matter has already been investigated and determined I did not owe I request this be removed off of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with EASTERN ACCOUNT SYSTEM, INC. They did not provide me with the original contract as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Exto Inc.
State: VA

Complaint narrative:
access to payroll deposit has been restricted since deposit was made and then complete account lock was placed and even though all requests have been filled now i get no response from company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I discovered that Fair Collections & Outsourcing is reporting and attempting to collect a debt that is the result of identity theft and does not belong to me. I disputed the account and submitted an FTC Identity Theft Report along with supporting identification documents requesting an immediate block and deletion under FCRA 605B. I also mailed a written dispute and identity theft notification to the company. Despite this, the account continues to be reported on my credit file. I am requesting immediate deletion of the fraudulent account from all consumer reporting agencies and cessation of all collection activity related to 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 explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Five Lakes Law Group PLLC
State: GA

Complaint narrative:
In XXXX I enrolled in a debt settlement program with Five Lakes Law Group regarding a credit card debt of approximately {$2600.00} because I believed the program would help reduce the amount I ultimately had to pay. A settlement was reached for approximately {$1700.00}, but I ended up paying approximately {$2900.00} - {$3100.00} as of XXXX into the program, which is more than the original debt amount itself. If I had understood that I could end up paying more than I originally owed, I would not have continued in the program. When I questioned the charges and repeatedly asked for explanations or attempted to opt out, I felt pressured and manipulated during conversations with the company. I was told that if I left the program, I would not receive any money back. Because of those statements, I continued making payments despite my concerns and confusion about the fees being charged. I was later told that : * approximately {$710.00} was charged in fees, * approximately {$510.00} was described as bank fees, * and I only received approximately {$75.00} back. I still do not understand how these amounts were calculated or why the total amount I paid exceeded both the settlement amount and the original debt balance. I am requesting : 1. A complete itemized accounting of all payments made, 2. A breakdown of every fee charged, 3. Proof and explanation of the alleged bank fees, 4. Clarification regarding refund eligibility and any remaining balance, 5. Review of whether deceptive, unfair, or misleading debt settlement practices occurred. I am concerned that the fees and costs were not clearly explained, that I may have been discouraged from canceling through misleading statements, and that I may have paid substantially more than expected without fully informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I purchased furniture three years ago from XXXX XXXX with XXXX. I was paying roughly around XXXX a month for my furniture recently XXXX had bought XXXX off they never sent me a letter they claim they sent me an email to an email I no longer have letting me know that they bought off XXXX and that I will now be transferred to XXXX without my consent or signature. And are forcefully making me pay an extra hundred dollars more roughly they said my payments are now {$220.00} I explained to them I did not agree to these terms and I do not have the extra hundred dollars to give them. They told me they dont care I have to pay. It is not fair that I have to pay more when I had no knowledge of this or agreed to it therefore I didnt even know the terms or conditions I wasnt even aware that my account got transferred to them. I called multiple times to try to arrange something and they dont care to budge with me I wouldnt mind if my payment was lower but the fact that they want me to give them {$220.00} which is way more than what I was paying. I can not pay that I dont have the money I work at a minimum wage job and live of the welfare!!!! I have all my monthly bills calculated I just had a XXXX and those extra hundred dollars go to My XXXX diapers go to My XXXX baby wipes etc, and I just dont have the money to give them I offered to return back the furniture they said that I can not return the furniture because Ive been having it for three years now therefore I dont know what to do I feel bullied in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have a XXXX XXXX ( account ending in XXXX ) with a {$500.00} credit limit, issued by XXXX XXXX XXXX XXXX and serviced by XXXX. Despite minimal purchases on the card, the balance has grown significantly over the {$500.00} limit due to repeated fees and interest. The company has been charging multiple fees every month that quickly push the account over the credit limit, including : Late Payment Fees ( {$41.00} ) Overlimit Fees ( {$32.00} {$41.00} ) Credit Protection Fees Annual Fees in some cycles These fees cause the account to go over the {$500.00} limit, which then triggers more overlimit fees and interest charged on the fees themselves. Examples from recent statements : XX/XX/year> statement : balance reached {$550.00} XX/XX/year> statement : balance reached {$560.00} XX/XX/year> statement : balance reached {$710.00} XX/XX/year> statement : balance reached {$770.00} Even when payments are made, the minimum payment is too low to cover the new fees and interest, so the balance continues to grow. I was never able to keep the balance under the {$500.00} limit because of these recurring fees and the Overlimit Coverage policy. This appears to be unfair fee stacking and abusive overlimit practices on a small-limit card. I am requesting that XXXX XXXX XXXX XXXX XXXX provide a fair resolution to this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief