vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX physically and emotionally assaulted me and damaged my car. XXXX damaged fuel gauge system on XX/XX/year>. Repair cost {$150.00} dated XX/XX/year> to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX {$150.00} dated XX/XX/year>. 
I have received a statement from XXXX credit card for {$450.00} with {$8.00} interest. They are charging me {$450.00} for damaging my car. I did not need a credit card when I was at the store, they pressured me to get this credit card. I was not their customer I was their victim. 
XXXX damaged fuel gauge system on XX/XX/year>. Repair cost {$150.00} dated XX/XX/year> to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX {$150.00} dated XX/XX/year>. I have filed dispute with Comenity Capital Bank. It is not resolved yet, please see the attached letter from Comenity Capital Bank. I have provided them receipt for {$150.00}. 
XXXX damaged fuel system and electrical system in my car I am not responsible for {$450.00} and they should refund me {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
I am writing to formally demand that you cease all communication with me regarding the account referenced above, Account # XXXX, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that a debt collector cease further communication with me. This includes phone calls, emails, letters, or any other forms of communication. In addition, I would like to remind you of the ruling in Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), which establishes that reporting a debt to credit bureaus is considered a form of communication. Any further reporting of this account to credit bureaus, without properly notifying them that the debt is disputed, will be regarded as a violation of this cease and desist request. If you fail to comply with this demand, I am prepared to take all necessary legal actions to protect my rights under the FDCPA and other applicable laws. Failure to comply with this request could result in statutory damages, attorneys fees, and other legal costs. You are only permitted to contact me if you are ceasing collection efforts or if you intend to take specific actions as allowed by law. I request written confirmation that you have received this cease and desist notice and that all collection activities related to this account will cease immediately. Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the fraudulent and unjust civil case and judgment filed against me by MANDARICH LAW GROUP , LLP on behalf of XXXX XXXX XXXX, in the amount of {$1700.00} and/or any other amount. I am not the debtor and have never opened, authorized, or benefited from the alleged account. This debt is entirely the result of identity theft, and the subsequent legal action filed against me is based on fraudulent information. Being sued and having a judgment entered against me for a debt I did not incur has caused severe emotional distress, financial harm, and constant XXXX, as I am left to deal with the repercussions of identity theft while facing unlawful collection efforts. Pursuing a debt tied to identity theft violates several consumer protection laws, including the Fair Credit Reporting Act, which mandates that only accurate information be reported, and the Fair Debt Collection Practices Act, which prohibits the collection of debts that are not owed. In addition, this conduct also violates California Civil Code section 1798.92 et seq., which protects victims of identity theft from liability for unauthorized debts, and the Rosenthal Fair Debt Collection Practices Act ( California Civil Code section 1788 et seq. ), which ensures that debt collectors do not harass consumers for debts they do not owe. I am now taking formal legal steps to address this issue, including filing a police report to document the identity theft and seeking to vacate the limited civil case and judgment. I am requesting that the CFPB assist me in vacating this civil case, as it was filed in violation of my rights, causing ongoing harm that I should not be responsible for, and ensuring that this fraudulent activity does not affect my credit or legal standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One lost my {$50.00} payment that was made before the closure and collection date of the XXXX and posted it once they found it. Capital one posted it on the XXXX which is incorrect. It takes 2-3 days before a ach post to an account. It was paid before the closure date on the account, therefore my account was closed and sent off to collections incorrectly especially when a payment arrangement agreement was set previously between I and Capital One. I already filed a complaint and it was closed incorrectly due to not knowing full information from Capital One so therefore Im reopening the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CDS Debt Relief, LLC
State: CA

Complaint narrative:
Consumer Complaint Against CDS Financial I am submitting this complaint against CDS Financial regarding debt consolidation services that I paid for but were not performed. 

In or XX/XX/year>, I entered into a written agreement with CDS Financial for debt consolidation services. Under the agreement, I was required to make monthly payments of {$750.00} for 24 months so that CDS Financial would negotiate and/or pay my enrolled creditor accounts, including a loan with XXXX XXXX. 

I made XXXX  monthly payments of {$750.00}, fully complying with the program. However, despite my payments, CDS Financial failed to negotiate or pay the enrolled debts as promised. 

As a direct result of CDS Financials failure : Multiple enrolled accounts were sent to court, XXXX XXXX has confirmed that no payments were made on my behalf, and XXXX XXXX has now retained legal counsel to pursue collection against me for approximately {$41000.00}. 

I have made repeated attempts to contact CDS Financial by phone to obtain explanations and resolution, but CDS Financial no longer responds to my calls. 

Because of CDS Financials actions and inaction, I am now facing potential legal action, significant financial harm, and emotional distress. I believe CDS Financial engaged in unfair, deceptive, and misleading practices, including misrepresentation of services and failure to perform contracted obligations.

I am requesting the CFPBs assistance to : Investigate CDS Financials practices, Require CDS Financial to provide a full accounting of all funds I paid and how they were used, and Seek appropriate relief, including reimbursement for services not rendered. 

I am submitting this complaint in good faith and reserve all legal rights. 

Thank you for your assistance. 

Name : XXXX XXXX XXXX XXXX XXXX State : California Creditor involved : Above Lending Amount in dispute : {$41000.00}

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: NH

Complaint narrative:
I used freedom debt relief to help me manage my debt during a challenging time. One of the accounts that they were helping manage was a loan I taken out with XXXX. I was told to not contact the company for 3 months and not pay my loan. The loan was charged off and negatively impacted my credit. Freedom Debt Relief did not help my financial situation in fact they caused my financial situation to become my worse. I should have tried to work out the situation directly with XXXX. I now have a charged off account on my credit history and there was/is no way for me to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a Chase Sapphire Preferred cardholder ( Account ending XXXX ). Over the past 6 months, I have been charged {$1300.00} in interest. When I contacted Chase to request a goodwill adjustment due to my long-standing loyalty, their customer service department refused to let me speak to a supervisor. The agent ( XXXX XXXX stated in writing that they would " no longer respond '' to my inquiry, effectively cutting off my access to customer support. I am filing this complaint because the bank is collecting excessive fees while refusing to provide adequate customer service or an avenue for escalation. I am requesting a full refund of the interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have tried to contact JPMCB several times about inquiries sitting on my credit report which I did not authorize nor initiate and filed disputes and the company refuses to remove it.

I am a victim of identity theft and have contact several banks about this already and this is the only one who has yet to remove the inquiries from my credit report.

This is causing financial harm and distress.

I have spoken with my military legal lead and have been advised we will take legal action should this information not be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I receive a fixed monthly XXXX payment of approximately {$1200.00}, which is my only source of income. I use Chimes MyPay advance feature.

My usual MyPay advance amount is approximately {$360.00}. However, in multiple recent monthsincluding the most recent monththe advance was reduced to {$260.00} without any clear explanation.

In addition, Chime has repeatedly deducted variable amounts ( {$20.00} to {$200.00} ) from my XXXX deposits beyond the repayment of any specific MyPay advance. These deductions are not tied to any identifiable advance amount or date.

When I contacted Chime support, I was only able to interact with automated AI responses. I was told the extra deductions or reduced advance amounts were taken to make sure I will be able to borrow in the future. No specific advance, calculation, or contract provision was identified.

These unexplained deductions and reductions leave me without money needed for basic living expenses. My income is XXXX income, and the deductions are unpredictable, not itemized, and not clearly disclosed.

I am requesting a full accounting of all MyPay advances and repayments, a refund of any amounts taken beyond advances owed, written clarification of the terms relied upon, and that Chime stop deductions or reductions not tied to a specific advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
I have contacted Halsted Financial about this today but Halsted financial sent email/text to my ex husband with a reference number where he could log into my account and get all my info as long as he had the reference number and my DOB he gets info about my account and my new address. This company has sent out confidential info that doesnt concern my ex husband and Ive been divorced from him since 2021. Ive asked this company what they wanted to do about this and they couldnt come up with a solution except for me to pay up. This company breeched my info illegally when they had my info to send everything to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Good dayI can not stress enough how utterly frustrating and debilitating this situation is. You wake up one day to the shocking discovery of a debt you know absolutely nothing about, one that's unverified and simply not yours. This has led to relentless harassment across multiple communication platforms, employing various tactics, including threats of legal action that I never imagined enduring. As a law-abiding citizen, this is deeply insulting and a blatant violation of my consumer rights. It's severely impacting my mental health, leaving me with sleepless nights and profound distress. I will not tolerate this injustice any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have tried to contact DISCOVER CARD several times about inquiries sitting on my credit report which I did not authorize nor initiate and filed disputes and the company refuses to remove it.

I am a victim of identity theft and have contact several banks about this already and this is the only one who has yet to remove the inquiries from my credit report.

This is causing financial harm and distress.

I have spoken with my military legal lead and have been advised we will take legal action should this information not be removed.

XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I am filing a complaint against XXXX and XXXX  regarding unauthorized charges, misleading contract terms, and refusal to cancel services. XXXX has continued billing after cancellation attempts, and XXXX  is attempting to collect on disputed equipment financing. I have requested documentation and proper cancellation, but both companies have been uncooperative. I am requesting immediate investigation, cancellation of services, and removal of any improper charges.

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 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom mortgage has been holding my insurance check for 21 days. They cashed the XXXX XXXX check and have not sent a check to me. They have continually lied about which days they were mailing it out.

At this point, they are in possession of XXXX XXXXXXXX without a single disbursement. 

On XXXX XXXX, they received the check and all the documents they require. I.e adjusters reports and contractor estimates. Today, XX/XX/year>, I, after many calls, get the same run around with promises to mail it out in 24 hours.

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 2026-01-13 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: DISCOVER BANK
State: TX

Complaint narrative:
I disputed a credit card charge with Discover for defective and unsafe home services. 
A plumbing contractor installed a gas water heater that triggered carbon monoxide alarms on two occasions, including after the contractor claimed the issue was repaired. The installation subsequently failed a city safety inspection for combustion air and was deemed not code-compliant.

Discover initially credited the dispute but later reversed the decision after receiving merchant statements, treating the matter as a refund dispute rather than defective or unsafe service.

I later submitted new, material evidence, including a passed city inspection showing the same installation only met code after corrective work was performed by a licensed contractor. Despite this third-party regulatory evidence, Discover refused to reconsider or explain how the service was considered complete or safely rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
In XXXX of XXXX, I applied to XXXX XXXX  to attend their XXXX XXXX  The institution was advertised through a social media app, which stated that they would provide a XXXX the necessary to complete the program. 

After I applied, I was asked to provide my high school transcripts and diploma to the institution. I submitted my certificate of completion and my transcripts and was informed that the information I provided was not adequate enough during that time. I was informed that I needed to fill out a financial aid form to move things along while they wait for the necessary information regarding my transcripts. 

After an exchange of correspondence, nothing else materialized as far as me moving forward with the program due to what they call the inaccuracy of my documents. I never received a class schedule itinerary or the XXXX that they were to provide me for the program. The next time I heard from the institution was for a request for me to repay a school loan. I reached out to the institution, informing them that I never attended the school or received any information confirming that I was fully XXXX XXXX XXXX XXXX I received a canned response of that I needed to just pay back the loan. Currently at this point they are now saying that I am defaulting on the loan that I never got a confirmation of receiving, which brings me to the CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MA

Complaint narrative:
I am submitting this complaint regarding unlawful debt collection and inaccurate credit reporting by Jefferson Capital Systems , LLC, and the acceptance of that reporting by consumer reporting agencies. 

On XX/XX/XXXX, I sent Jefferson Capital Systems a written dispute and demand for debt validation pursuant to FDCPA 1692g regarding an alleged debt they claim originated with XXXX XXXX XXXX. XXXX records confirm delivery on XX/XX/XXXX. Jefferson Capital Systems failed to provide any validation and did not cease collection activity. 

Prior to Jeffersons reporting, the XXXX XXXX XXXX account had been deleted after reinvestigation by consumer reporting agencies : TransUnion deleted the account in XX/XX/XXXX following reinvestigation. 

XXXX deleted the account on XX/XX/XXXX, following reinvestigation. 

Despite these deletions and without providing validation, Jefferson Capital Systems furnished the same alleged obligation again, resulting in : A collection tradeline appearing on XXXX XXXX XXXX, and A reinserted tradeline labeled as closed on XXXX  ( status manipulation of the same underlying account ). 

I received no reinsertion notice and no certification of accuracy, as required by FCRA 611 ( a ) ( 5 ) ( B ). The reporting is materially inaccurate, contradicts prior deletions, and was furnished after a written dispute without validation, in violation of FDCPA 1692g ( b ) and FCRA 623 ( a ) ( 1 ) and 623 ( b ). 

I am requesting regulatory review and corrective action to ensure : Permanent deletion of the reinserted tradelines, XXXX of collection activity without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendbuzz Inc.
State: NJ

Complaint narrative:
I entered into a Consumer Note and Security Agreement with the company identified as the lender. Under the agreement, lender performance is tied to the disbursement of loan proceeds, as interest accrues from the date the proceeds are disbursed to me or to others on my behalf. The incorporated Truth-in-Lending Disclosure Statement itemizes categories by which such disbursement would occur, including amounts paid to me, to the seller on my behalf, or to others on my behalf. 

The documents provided to me describe these categories but do not include records confirming that any loan proceeds were actually disbursed. I have not been provided documentation identifying the date, amount, recipient, or method of any disbursement. As a result, I am unable to confirm from the materials provided whether lender performance occurred as defined in the agreement, despite the account reflecting an outstanding balance and accruals that presume performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems and I do not have a contract. They are not legally entitled to this debt.

Company response to consumer: Closed with explanation