vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I owned a CD with my husband, and we had a joint-checking account with the Renasant Bank , previously XXXX XXXX XXXX. We then took out a loan and it was secured by the XXXX. The Renasant Bank negligently released the XXXX without my permission or signature on the documents, even though, my name was on the account. The Renasant Bank only asked my husband for his signature and provided him the documentation violating my due process rights. I was denied my constitutional right to procedural due process under XXXX v. Central Hanover Bank & Trust Co., as I was not notified of or given the opportunity to participate in the release of a CD or associated loan matters. I am submitting this summary to the Consumer Financial Protection Bureau ( CFPB ) to highlight that I was not afforded procedural due process in connection with a loan secured by a certificate of deposit ( CD ). The release documents for the CD were executed solely by my husband, without providing me notice or an opportunity to review or sign them. Consequently, I was denied the chance to consent, object, or participate in decisions affecting my property rights, including the renewal of the loan. Subsequently, the bank froze my checking account without consultation, ran my credit report, and ultimately charged off the loan, all without my knowledge, which negatively impacted my credit report. The unilateral enforcement of the release and any reliance on the loans arbitration clause directly violates the procedural due process standard established in XXXX XXXX Central Hanover Bank & Trust Co., which requires notice reasonably calculated to inform all interested parties. Because I did not receive notice or an opportunity to assert my rights, any attempt to enforce arbitration or waive claims against me lacks constitutional legitimacy. I respectfully request that the CFPB consider the absence of due process in evaluating any actions related to the loan, XXXX, and associated consequences, and investigate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Momnt Technologies, Inc.
State: KS

Complaint narrative:
I am submitting this complaint regarding a consumer installment loan issued by XXXX XXXX XXXX XXXX Momnt Technologies ) that is directly tied to a residential construction project that failed immediately and remains unresolved. Loan proceeds were disbursed to the merchant, XXXX XXXX, for a deck construction project at my home. Payment authorization was provided based on representations that the project had been completed. However, on XX/XX/XXXX, XXXXthe same day payment was releasedthe structure failed its required final inspection by the XXXX of XXXX due to code violations. This failure established that the project was not complete or compliant at the time payment was authorized. I immediately contacted the contractor and merchant to request reversal of the transaction pending proper completion. That request was not honored. To date, no compliant corrective work has been performed, and the structure remains non-compliant with an open permit and no approved final inspection. City documentation confirms that a compliant corrective path exists ; however, that option has not been pursued. Instead, I have been presented with alternatives that would materially alter the structure rather than bring it into compliance. This matter is now the subject of active litigation in XXXX XXXX XXXX XXXX. I formally notified XXXX XXXX XXXX of this dispute, including through its servicing platform, Momnt. Prior to that, Momnt closed my dispute based solely on a statement from the merchant that the contractor was willing to work with the homeowner, without addressing the documented failed inspection or my formal request for rescission. Despite being placed on notice, the loan continues to be treated as a valid obligation tied to a transaction that failed immediately and remains unresolved. Under the FTC Holder Rule, XXXX XXXX XXXX, as the creditor, is subject to all claims and defenses that I may assert against the merchant. Because the underlying transaction remains defective, incomplete, and disputed, the enforceability of the associated loan obligation is likewise in dispute. This is not a routine customer service issue. It is a loan tied to a transaction that failed immediately upon inspection, was disputed immediately, and remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XXXX XXXX @ XXXX a phone text from number XXXX XXXX XXXX Wells Fargo Fraud Department XXXX ASK : did you make an attempt to make a purchase of {$460.00} at XXXX XXXX # XXXX? Y or N. We answered N. NO. They DID NOT CLOSE THAT CARD NUMBER XXXX THEY SHOULD HAVE But that {$460.00} was not charged on my following bill on XXXX. THEN : same XXXX phone text @ XXXX Wells Fargo Alert XXXX saying : an online fraud representative will be calling you shortly. Reply 1 to proceed with placing the call. At the end it read texting with XXXX - XXXX XXXX XXXX sms/mms ) WE TEXTED BACK 1, YES. THEY STILL DIDN'T STOPPED THAT CARD NUMBER ENDING IN XXXX. THEN XXXX MINUTES LATER AN INCOMING CALL @ XXXX from XXXX : XXXX XXXX had just ask 5 minutes ago if we can talk and we said yes. We took the call because Wells Fargo wanted to talk about that attempt purchase at XXXX # XXXX The man said that he was XXXX XXXX a Wells Fargo Fraud representative. He then said, ( not about that XXXX XXXX attempt ) BUT, he ask if I made an online transfer of {$3200.00} from my credit card endin g in XXXX to account ending in XXXX? I said NO, I DID NOT. I thought then that they should STOP THE TRANSFER but they did not. It is now on my card bill as if I owe it. This is my new complaint for in the first complaint, ID XXXX, they never admitted that they are the ones that caused all the rest that was in my first complaint after me giving them police reports of the false FBI agents being arrested and how it all happen by Trickery under regulation E

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 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Red River Credit Corporation
State: OK

Complaint narrative:
Red river credit as of XX/XX/year> they have called my job after I emailed them a month ago they are not allowed to call my job because we are not allowed personal calls. I was not at work and my coworker informed me of the call. They have also called my personal phone 3-5 times a day for the past week. I plan to make payment next week when I get paid.

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 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Hello, Im requesting a review of the deferred interest that was recently applied to my CareCredit account. I financed a purchase of {$3800.00} in XX/XX/year> and have been consistently making payments to reduce the balance. Before the promotional expiration, I had already paid the balance down significantly and only had about {$1900.00} remaining. When the promotional period expired, {$2600.00} in deferred interest was added, increasing my balance to over {$4600.00}. I understand the terms of the promotion required the balance to be paid in full, but I was actively paying down the account and was very close to completing the balance. I also noticed that the interest charge pushed my account over its credit limit even though I did not make additional purchases. I spoke with a representative who offered a 30-day payoff option of {$1900.00}, which I truly appreciate. However, coming up with that full amount within 30 days is financially difficult for me at the moment. I respectfully request a one-time courtesy adjustment, promotional reinstatement, or extended payoff period so I can finish paying the remaining balance without the full deferred interest being applied. I want to continue paying my account responsibly and keep it in good standing. Thank you very much for your time and consideration.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) for failure to properly validate a debt and continued reporting of an unvalidated debt to consumer reporting agencies in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). XXXX claims to own an alleged debt of {$5700.00} originally from Synchrony Bank ( account ending in XXXX ). I sent XXXX a written debt validation request via USPS Certified Mail. XXXX responded with a partial packet that did not include a copy of the original signed credit agreement bearing my signature the most fundamental requirement of debt validation. I sent a follow-up letter dated XX/XX/XXXX, identifying five specific deficiencies in their validation response : ( 1 ) no original signed credit agreement, ( 2 ) a redacted bulk Bill of Sale that does not identify my specific account, ( 3 ) only two billing statements instead of a complete payment history from account opening in 2016 through charge-off, ( 4 ) an unexplained {$41.00} balance adjustment, and ( 5 ) no proof of Texas collection license. On XX/XX/XXXX, XXXX responded again with the same incomplete documents two billing statements and a sale notification letter and stated their investigation is complete, denying any inaccuracies. They have still not produced a signed original credit agreement after two written requests. Despite failing to fully validate this debt, XXXX continues to report this account to XXXX XXXX, and XXXX. This constitutes continued collection activity on an unvalidated debt in violation of 15 U.S.C. 1692g and continued furnishing of disputed information without proper investigation in violation of 15 U.S.C. 1681s-2. I am requesting that the CFPB require PRA to either produce a complete validation including the original signed credit agreement, or immediately delete this account from all consumer credit reports.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I received a notice from Navy Federal informing me that my account would be credited today due to fraudulent charges from XXXX and XXXX. When I contacted Navy Federal, the representative investigated the matter and confirmed that I had already filed a dispute back in XXXX. Despite this, I have been repeatedly denied a refund from Navy Federal, claiming that XXXX would not reimburse me because the charges were not fraudulent. Whenever I call Navy Federal, the representatives provide misleading information and refuse to transfer me to someone who can assist with the issue. Additionally, my bank has been negative for 47 days because of disputed charges. When I advised XXXX to cancel my account, which they never did, they refused to properly investigate the matter. The letter from Navy Federal states that I would receive the provisional credit today, XX/XX/XXXX. However, the representative informed me that this is incorrect and that the credit could take up to 72 hours. Furthermore, I have been charged multiple overdraft fees, yet my account has not been credited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I have an approved Borrower Defense discharge ( Case # XXXX ) that has been 'Processing ' for nearly two years. My other loans have been cleared, but MOHELA continues to report a {$23000.00} balance on my consolidation loan. Under the XXXX XXXX XXXXXXXX settlement, my relief was due by XX/XX/2026. I am requesting that the Department of Education and MOHELA immediately coordinate to apply my discharge and correct the inaccurate reporting on my credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I accepted a hardship payment arrangement offered by Bank of America for my credit card account. I was told my monthly payment would be reduced, and now I received a phone call today in which I'm being told the arrangement may not be honored because I was already in a previous hardship payment plan. The representative i made the new arrangements with assured me of the new terms. I am requesting the hardship terms accepted on XX/XX/year> be honored, in the amount of {$150.00}. My payments would begin XX/XX/year> for 60 months, they even processed my first payment of {$150.00} on XX/XX/year>.

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 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Personal information : name : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX Account : CREDIT XXXX This account has violated my rights. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i ( 5 ), they are supposed to do the following : Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2, they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
I am disputing the repossession of my vehicle and requesting a full audit and validation of all charges, fees, and the remaining balance on my account. I received the vehicle in XXXX and began experiencing serious mechanical issues within approximately one month, including activation of the check engine light, brake system warnings, and multiple system failure indicators affecting safe operation. I immediately contacted the finance company and requested warranty coverage information. Although warranty information was provided, the warranty claim was ultimately denied, and I was forced to pay significant out-of-pocket expenses to repair and maintain the vehicle. In XXXX, I experienced a temporary loss of employment and fell behind on payments. I made attempts to recover the account but was unable to fully catch up before an additional missed payment occurred. The vehicle was subsequently repossessed shortly thereafter. I believe this account requires full review due to the combination of early mechanical failure, substantial personal repair costs, and the timing of repossession during a documented financial hardship period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a credit card with a major retail store, XXXX XXXX. I have been past due for several payments, however, due to unpaid fees I have been harassed via phone every month. I receive voicemails from different phone numbers posing as a Comenity Bank, calling to collect a debt. I have a voicemail dated XX/XX/year> from ( XXXX ) XXXX, and in the message I am instructed to call back at the following number : ( XXXX ) XXXX, but differs from the number listed on the XXXX XXXX credit card, ( XXXX ) XXXX. Just this past week, on Wednesday or Thursday, XXXX XXXX, I did answer my phone and made an arrangement plan with a representative, allegedly or possibly posing to be collecting a payment towards my XXXX XXXX debt. I provided a new debit card number, but I placed the representative on hold because I had to activate the card, before agreeing to the arrangement. The call dropped, and I called the number on the back of the XXXX XXXX credit card ( XXXX ) XXXX, I gave them the same information explained here, but the representative stated that based on their log I have not been contacted since XXXX. Also, an arrangement was nonexistent. I also requested information about online access and if an app is associated with Comenity. The representative provided a false website, weblink : " Comenity.net/XXXX '', to update account information. The website has been down for several days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to report that my Social Security number has been compromised and is being used fraudulently without my knowledge or consent. I recently discovered unfamiliar accounts, including loans and other financial activities, appearing on my credit report that I did not authorize or open. This situation is extremely concerning, as it indicates that someone has gained access to my personal information and is actively using it for identity theft. I have not given permission to any individual or organization to use my Social Security number in this way, and I am requesting an immediate investigation into these fraudulent activities. I would also like guidance on the necessary steps to protect my identity moving forward, including placing fraud alerts, freezing my credit, and potentially issuing a new Social Security number if deemed appropriate. This matter is urgent, as it is impacting my financial standing and overall security, and I need assistance in resolving it as quickly as possible.

Company response to consumer: Closed with explanation