vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
CFPB Formal Complaint : XXXX, XXXX Consumer Name : XXXX XXXX Account Number : XXXX Related Company : Bridgecrest ( Lender ) Subject : DECEPTIVE TRADE PRACTICES, WARRANTY FRAUD, AND CRIMINAL CONCEALMENT I. DECEPTIVE " CERTIFIED '' REPRESENTATION & CRIMINAL TAMPERING I am a XXXX veteran who purchased a " 150-Point Certified '' vehicle from XXXX, XXXX. This certification was a falsified document. A XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX ) discovered a wire tied into the alternator specifically to bypass the charging system and suppress error codes. This physical tampering caused a total power loss in a snowstorm, endangering my family. XXXX. WILLFUL MISREPRESENTATION TO STATE REGULATORS ( THE WARRANTY LIE ) XXXX XXXX Case Worker ( XXXX ) and their legal team provided a fraudulent rebuttal to the XXXX Attorney General ( Case XXXX XXXX ). XXXX claimed my warranty was " expired '' to deny a {$20000.00} transmission failure. However, XXXX own contract ( Page XXXX ) confirms I have XXXX XXXX coverage until XXXX miles. At the time of the failure ( XXXX miles ), I was XXXX miles UNDER the limit. This is Insurance Bad Faith and a material lie to a state law enforcement agency. XXXX. ADMITTED BIOHAZARD & " OFF-BOOK '' CONCEALMENT XXXX admitted the vehicle was unmarketable by issuing XXXX ( XXXX ) " off-book '' corporate checks totaling {$1800.00} to bypass their own warranty records ( XXXX ). This included {$960.00} for a confirmed mold biohazard and {$180.00} for spark plugs required after a {$6200.00} engine failure only 66 days after purchase. Selling a moldy vehicle to an XXXX veteran and XXXX constitutes Gross Negligence. IV. COLLAPSE OF WARRANTY NETWORK The " National Warranty '' marketed by XXXX is a fraudulent product. XXXX XXXX locations have officially blacklisted XXXX/XXXX, refusing to perform further work due to deceptive payment practices. I was sold a protection plan that national repair chains refuse to honor. V. INVOCATION OF FTC HOLDER RULE Under the FTC Holder Rule ( XXXX CFR Part XXXX ), because this contract was induced by fraud and criminal tampering, the debt is void. I have an active XXXX XXXX XXXX ( # XXXX ). Additional information provided by consumer : XXXX XXXX wants to send the complaint to Bridgecrest Finance. XXXX will still be sending additional documents by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV Funding LLC is reporting inaccurate and unverifiable information regarding an alleged collection/charge-off account on my credit report. I was not provided proper notice or validation of this debt prior to it being reported. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), information reported to consumer reporting agencies must be accurate and fully verifiable. LVNV Funding has failed to provide documentation validating the debt, the original creditor, or proof of their legal authority to collect. Additionally, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) requires collectors to provide debt validation and prohibits unfair or harassing collection practices. LVNV Funding has attempted collection activities, including contacting my employer, without providing proper validation of the alleged debt. Because this account is inaccurate, unverifiable, and reported without proper validation, I request that XXXX conduct a full investigation and delete this account immediately unless LVNV Funding can provide verified documentation proving the debt is accurate and legally enforceable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted CareCredit to ask why my XXXX had increased to XXXX %. I first spoke with a representative named XXXX. When I asked her to explain the increase and review my statement with me, she repeatedly avoided my questions, gave the same responses, spoke over me, refused to review the statement, and ultimately disconnected the call. After that, I spoke with a supervisor named XXXX, who reviewed my account. XXXX told me that XXXX % is the highest APR tier and stated that my APR appeared higher than normal. XXXX referenced possible late payments but also confirmed that the issues were related to automatic payment system errors that had been corrected. XXXX explained that she had seen similar complaints before where some customers even had prior APR charges wiped out completely. She submitted a request for corporate to review the call with XXXX and review my XXXX, and told me I would receive a callback within XXXX business days. I never received that callback. On XX/XX/XXXX, I contacted CareCredit again and spoke with another supervisor who told me callbacks from that department typically take up to XXXX month. When I asked why I had not received a call, she said she would submit another request for a callback within a few business days, but I again never received a follow-up. On XX/XX/XXXX, I contacted CareCredit again and spoke with another supervisor named XXXX, who stated she was the highest level available by phone and again advised that a manager would contact me within XXXX business days. My concern is that I have received conflicting explanations regarding why my XXXX increased to XXXX %, and despite being told my account would be reviewed for both the call handling issue and a possible XXXX adjustment related to system payment errors, I have not received a resolution.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
Validation of Debt Request - I C SYSTEM - XXXXXXXX XXXX XXXX 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
All of my items, including my debit card, were stolen on XXXX XXXX, during the time my card was stolen, XXXX transactions were done on my card that were fraudulent. I had reported them on that Monday the XXXX. Unfortunately I had to wait until the transactions had actually posted on my account before I could dispute them. I have disputing them I had provisional credits, I further explained when I went in person and disputed the payments. The time of when everything happened, they denied my claim when the purchase is done at places, I have never been to in all my years. The customer service did not help at all and did not further explain our actual solution on how to reverse this because its wrong. Money was stolen from me and theyre no help. If they had conducted a proper investigation, then they would notice the XXXX purchases that were done on my account. Were in a city that I never buy from as XXXX stores that I never buy from either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NY

Complaint narrative:
My federal loan payment history is missing qualifying payments from XX/XX/XXXX through XX/XX/XXXX made under XXXX, XXXX and XXXX XXXX. I have receipts showing these payments were made. Because of this error my qualifying payment count is incorrectly listed as XXXX. I have in reality made over XXXX Payments. I have been attempting to resolve this for XXXX years. I have called XXXX multiple times, its the same run around. I have uploaded a reconsideration request. I have tried to call my loan lenders which has changed 4 times and it is impossible to speak with a person, provider is now Edfinancial Services. Nothing has happened. I am requesting a full manual review of my payment history and correction of my qualifying payment count.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, my bank informed me there is a collection on my credit report. The collection company that did that was ProCollect, Inc. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX In the collection notice, ProCollect said I owed {$280.00} to a company called XXXX XXXX XXXX. I have never done any business with XXXX XXXX. Never heard of them, never talked to them, never communicated with them in any way or manner. I immediately called ProCollect at : ( XXXX ) XXXX. I talked to a representative who said I owed the money, and I was to pay it. I asked for proof verification of the debt, and they would not provide me with it, or what the debt was for. They suggested I send them a form on their website, www.procollect.com, and request documentation. I did that immediately. I have called ProCollect every single business day since the XXXX, so for the past week. I've submitted a form online each day asking for verification of the debt they say I owe, I have not received a single response. I've also called XXXX XXXX every business day. Nobody answers the phone, I've left messages each day, and have not received a single returned phone call. I have never done any business with either of these companies, ProCollect, or XXXX XXXX. They will not provide me any proof of why they think I owe {$280.00}. They won't return any phone calls, emails, or requests for information. ProCollect and XXXX XXXX are causing significant harm to my credit worthiness, and I'm needing Consumer Financial Protection Bureau to assist with these companies to provide me with clear proof of debt, which I'm very confident, does not exist. I need this collection removed from my credit immediately.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
I am disputing this account because I do not recognize Monterey Financial and I have never entered into any agreement or business relationship with this company. I was contacted only once, but the caller did not provide clear information about the alleged debt. Instead, they asked me to provide my personal information. Because I did not recognize the company and they did not properly identify the account, I refused to provide any additional information. I told them that if they already had my correct information, they should send me the details of the account by mail or email. I never received any validation, documentation, or written notice. The first time I became aware of this account was when I saw it reported on my credit report. I request that this account be fully investigated and removed if the company can not provide proper proof that the debt is valid, accurate, and legally belongs to me. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: MS

Complaint narrative:
XXXX years as taken out of my account on XX/XX/XXXX from a 3rd party app chime did not notify me of a charge being made from my account I reached out to chime and filed a dispute the recently denied it when they did not keep my account secure

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I use PayPal a form of payment for online transactions as well as a digital wallet. I made a transaction with XXXX with PayPal pay monthly option for {$53.00} on XX/XX/year>. I paid the first installment of {$17.00} on XX/XX/year>. I was attempting to make the second payment on XX/XX/year> with a debt card already on file, However I kept getting and error message that the payment could not be processed check the card details and try again. I was told that I needed to confirm the card and the representative sent a message to my account on how to confirm the card. According to the message and instructions on my account. I was to click the confirm card link when I click on the card details and if I don't see a confirm card link the card has already been confirmed and I don't need to do anything else. I did not see a confirm card link when I clicked on the card. Customer service was trying to confirm the card from their end but the process involves a {$1.00} charge to the card and a statement code that I can not access. I also attempted to add a bank account but was unsuccessful adding it from my end and with assistance. I was told that my bank account was link to my other PayPal account. I explained that I previously removed the bank account from that account. I was told to refresh my browser log back in to the PayPal account that I was trying to add the bank account to and try again. I tried again and was unsuccessful. I was then told it would take 3-5 business days. My issues are : PayPal customer service is inept in resolving this issue. The debt card and bank account has been previously linked with PayPal and do not need to be verified again. I have made several efforts and attempts to make a payment and I am not at fault. I do not want to be penalized for any late payments because customer service has not been adequately able to assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Climb Credit Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I enrolled in an online technology training program called XXXX. The program was marketed as providing strong career preparation and job placement support, including a Money-Back Guarantee if a qualifying job was not obtained after completing the program. To finance the tuition, I obtained a private education loan through Climb Credit. The loan funded {$6000.00} in tuition, but the total repayment obligation is approximately {$8400.00} including interest and fees. The loan was funded on XX/XX/XXXX and repayment began in XX/XX/XXXX. My required monthly payment is approximately {$240.00} for 42 months. I completed the training program and received my certificate in XX/XX/XXXX. After graduation I actively searched for employment and applied to many positions that matched my qualifications and experience. XXXX later required job applications to be logged in their internal platform called XXXX in order to qualify for the Money-Back Guarantee. However, the XXXX system became active late in my program and there was very limited guidance or follow-up support at the time I was actively searching for jobs. I did attempt to use the XXXX system, but I found the process complicated and time-consuming compared to applying directly through major job platforms such as XXXX, XXXX, and other job boards. Instead of helping the job search process, the platform created additional administrative steps that made it more burdensome to track applications. I communicated these concerns to my coaches during the program. By the time structured support and strict tracking expectations were emphasized, I had already spent months applying for jobs independently and had become financially and emotionally exhausted. Despite these circumstances, my request for the Money-Back Guarantee refund was denied because my job applications were not sufficiently logged in the XXXX platform. I attempted multiple times to communicate with the company and request a fair resolution, but the issue has not been resolved. The loan associated with this program is serviced by Climb Credit. Although I have not obtained employment in the field I trained for, I have continued making the monthly payments in order to protect my credit. My monthly payment is {$240.00} and I have already paid a significant amount toward the loan. My XXXX student loan interest statement shows {$1200.00} in interest paid. Currently I am doing rideshare work to survive while continuing to search for employment. I am filing this complaint because I am struggling to repay this loan and have been unable to obtain flexible repayment options or a fair resolution related to the training program that the loan financed. I respectfully request that the lender review my situation and consider appropriate hardship relief, repayment flexibility, or another fair resolution given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I provide essential needs to the underserved in my community I'm a sole propriter business owner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I made a huge accomplishment of getting a donation from the XXXX XXXX XXXX and mobile deposited to my Huntington account. They have held it 12 days now and its for charity. They already told me the funds are good and told me to go to a branch which the closest is 2 hrs away so I went and was told by two ppl before I went that they would release my funds if I went and I got no funds and still no answers. Huntington is holding my charity money for food for the underserved of the XXXX XXXX XXXX and they are a horrible bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
b'non stop harrassing calls nasty employees non stop terrorist via phone calls for no reason, I have asked them 2 stop calling me their last call was from number XXXX XXXX XXXX XXXX am on XXXX \n\nim sickness the terrorists via phone calls'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAVALRY INVESTMENTS, LLC
State: WI

Complaint narrative:
The past XXXX months have been continually calling and messaging. with this company trying to get an amount of {$1900.00}. in which not sure who this is or amount.

Company response to consumer: Closed with non-monetary relief