vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: NC

Complaint narrative:
In XX/XX/year>, I participated in a Revolut referral promotion. The Invitee attempted to complete the required topup, but Revolut repeatedly gave incorrect and contradictory information about which funding methods were allowed. Each time Revolut told us a method would work, it failed, and support then reversed their explanation. This forced us to move from one method to another, consuming the remaining promotional window. Revolut initially stated that XXXX XXXX was accepted, and when the transfer failed, they claimed XXXX was blocking the transaction. Later, Revolut stated that XXXX XXXX does not work at all. Revolut also stated that XXXX and XXXX debit cards were accepted, but valid cards were repeatedly declined. They later stated that XXXX cards were not accepted, and then declined another XXXX XXXX debit card without explanation. Revolut also stated that cash deposits at partner locations were allowed, but multiple listed locations did not accept deposits, and one location stated they had never heard of Revolut. Revolut further stated they could not identify which partners actually supported deposits. None of these restrictions or limitations were disclosed in the Referral Terms. Because of these issues, the Invitee was unable to complete the required topup despite multiple goodfaith attempts. Revolut denied the referral reward and issued a Final Response on XX/XX/year> that restated my complaint but did not address the underlying system failures, inaccurate guidance, or undisclosed restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems , LLC Account # XXXX Re : Notice of Dispute, Demand for Validation, and Preservation of Rights To Whom It May Concern : I dispute the alleged debt you claim to be collecting and request validation pursuant to 15 U.S.C. 1692g. Please provide competent documentation sufficient to validate the alleged debt, including : the name of the original creditor, the amount of the alleged debt, including any interest, fees, or other charges, the complete chain of assignment or transfer, documentation showing that Jefferson Capital Systems has authority to collect, the account-level statements or ledger supporting the amount claimed, and the date of default or delinquency associated with the account. To the extent you are furnishing or communicating information regarding this account, any false, deceptive, misleading, unfair, or unsupported representation concerning the character, amount, legal status, or ownership of the alleged debt is expressly disputed under 15 U.S.C. 1692e and 1692f. Pending proper validation, I dispute this account in full and demand that you cease relying on unverified information. Nothing in this letter shall be construed as an acknowledgment of liability or a waiver of any rights. All rights are expressly reserved. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: TX

Complaint narrative:
I disputed a unauthorized charge towards XXXX they still gave me bad service it was XXXX dollars and then also I told them I wanted my acct closed then they didnt hear me and only sent me a new card then charged my card gain for the dispute and messed up my credit after telling them I wanted to close my acct

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I recently learned that Portfolio Recovery Associates LLC initiated a wage garnishment against my paycheck, but I do not recall ever having an account or credit card with this company. I also never received any court notice, summons, or communication informing me that a lawsuit had been filed or that a judgment had been entered against me. My employer informed me about the wage garnishment on XX/XX/year>, at approximately XXXX XXXX. This was the first time I became aware that any legal action had been taken. It appears that the company may have used an incorrect or outdated address when attempting to contact me or serve court documents. Because of this, I did not receive any letters, notices, or court paperwork regarding this matter. Due to the lack of notification, I was not given the opportunity to review the alleged debt, verify the account, or appear in court to respond. At this time, I do not recognize the company or the credit card account they claim I owe, and I have not received any documentation showing the original creditor, balance, or proof that the debt belongs to me. I am currently a XXXX and the head of household for a dependent, and I pay approximately {$1500.00} per month in rent. The sudden wage garnishment has created significant financial hardship and has impacted my ability to cover basic living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Subject : URGENT Escalation - Missing {$13000.00XXXX XXXX Transfer ( XXXX : XXXX ) I am filing this complaint against JPMorgan Chase ( JPMC ) as the originating clearing bank for a transfer initiated via XXXX on XX/XX/XXXX. The Conflict : JPMC 's own report confirms the funds were delivered to XXXX XXXX ( Routing XXXX ) via XXXX with XXXX : XXXX. However, XXXX XXXX continues to officially deny receiving the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I am filing a complaint regarding interest charges assessed to my XXXX XXXXXXXX XXXX XXXX account issued by Comenity Bank related to a deferred-interest promotional financing plan. I made a purchase using a 12-month deferred interest promotion which required the promotional balance to be paid in full prior to XX/XX/year> to avoid retroactive interest charges. I made all required payments on time. As of XX/XX/year>, the remaining balance on the promotional purchase scheduled to expire on XX/XX/year> was {$610.00}. In XX/XX/year>, I made a payment of exactly {$610.00} with the clear intent of paying off the promotional balance before the expiration date. On the same day, I also made a separate purchase totaling {$2500.00} that was placed on a new deferred-interest promotional plan. After reviewing my statements later, I discovered that Comenity Bank did not apply the {$610.00} payment entirely to the promotional balance that was nearing expiration. Instead, the payment was split between two promotional balances. According to Comenity representatives, only approximately {$30.00} was applied to the promotional balance expiring in XX/XX/year>, while the remainder was applied to the newly created promotional plan. When I asked why the payment was split up and not fully applied to the expiring promotional balance they stated " That is how our system automatically does it '' and that because I made another promotional plan purchase, I needed to call them to tell them how to apply the payment. Because the expiring promotional balance was not considered paid in full by the deadline, Comenity Bank charged {$790.00} in retroactive deferred interest in XX/XX/year>, and additional interest has continued to accrue. This payment allocation method was never clearly disclosed to me at the time of purchase or when the payment was made. A reasonable consumer would expect that a payment made for the exact remaining amount of a promotional balance would be applied to that balance. Allocating the payment in a way that triggered retroactive interest appears misleading and inconsistent with the consumer protection intent of the Regulation Z governing credit card payment allocation and promotional financing disclosures. Specifically XXXX Allocation of payments. I contacted Comenity Bank multiple times to dispute this issue but have not received a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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:
I am asserting Criminal Wiring Tampering and Material Misrepresentation under the FTC Holder Rule. I have provided a XXXX XXXX XXXX documenting a rigged alternator wire and XXXX corporate checks used to conceal defects. I have filed XXXX Public Records Request XXXX for the dealer 's bond. Bridgecrest is attempting to collect on a void contract induced by fraud. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi I still have not received my order XXXX and I do not recognize the door and I have not received any help from Bloomingdaless please advise.. Thanks

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 2026-03-13 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: WV

Complaint narrative:
In and or around XX/XX/XXXX, I inquired about the mortgage that was in my name for my moms trailer after she became award of the state and her middle capacity had declined. I found out that Shellpoint now had the note and that she had quit paying for the trailer so I negotiated an ending sale price in order to obtain full ownership sole ownership of the trailer. I had just been notified by the land owner the trailer set on that he was selling his properties. My mother was current with him but not with new owner. The trailer needed to be moved asap. My worker through the aged and disabled waiver program made me an offer to take immediate ownership of said mobile home in order to clear my name so that I could maintain my current status as a participant of the program. By the end of XX/XX/XXXX the trailer was sold to him and subsequently titled in his name.

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 2026-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding my mortgage servicers continued mismanagement of my escrow account and failure to properly recognize my property tax-exempt status. XXXX XXXX : XXXX My property is officially exempt from municipal property taxes. I have provided the required exemption documentation to my mortgage company multiple times. Despite this, the servicer continues to collect funds for property taxes and/or remit tax payments to the municipality. This ongoing error has resulted in improper escrow charges, potential overpayment, and financial hardship. The servicer has failed to correct the issue after repeated requests. I am requesting regulatory assistance to require the mortgage servicer to : Immediately correct the tax status on my escrow account Stop collecting or paying property taxes Conduct a full escrow analysis Refund all funds collected or paid in error Provide written confirmation that the account has been corrected I am prepared to provide supporting documentation demonstrating my tax-exempt status and prior communications with the servicer. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Iam filing a complaint against Synchrony Bank ( CareCredit ) regarding a predatory deferred interest charge on account ending in XXXX. I financed a dental procedure for {$7300.00} in XX/XX/XXXX. Over the last 20 months, I have made consistent, on-time payments of $ XXXX, paying back {$5000.00} of the original principal. I missed the promotional deadline of XX/XX/XXXX, by approximately 38 days. As a result, Synchrony applied a $ XXXX interest penalty-nearly 50 % of the original loan amount. I have attempted to resolve this in good faith by offering to pay the remaining {$3100.00} principal balance in full immediately in exchange for a one-time interest waiver. Despite my perfect payment history and willingness to settle the debt today, the bank has refused to budge, citing rigid contractual clauses. I am requesting the CFPB 's assistance in securing a onetime courtesy waiver so I can pay the remaining principal and close this arcount.

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 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/year> my Cashapp account was hacked again and there still has not been a resolution to when I was hacked last time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Contacted me asking me repeatedly if I was a certain person and I could hardly hear them and the person accused me of lying that they could hear me over the phone as they repeatedly ask if I was the correct person rudely by raising their voice also. I am a housed veteran and I am unemployed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 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: MI

Complaint narrative:
Unauthorized charge to my checking account through my debit card for the amount of {$73.00} open it dispute and haven't had a resolved or my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was a member of PNC Bank two and a half years I was getting my direct deposit from social security into that account I got incarcerated for 10 months XX/XX/XXXX XXXXwhile I was incarcerated I was a victim of identity theft someone removed my direct deposit from that bank and cleared the money out and then opened a bank account withsofi and hooked my direct deposit up to it XXXX wants me to get an hll letter from PNC PNC refuses to give me the bank statements and refuses to send the letter to XXXX so if they won't let me in any of my account in my account information until then I have contacted the police department and got a incident number I've talked to both banks for hours and they won't budge I've sent pnc an hand written letter and filed complaints I've closed both accounts and I know a XXXX account has been open in my name through the XXXX XXXX I've also filed a complaint with identity theft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: VW Credit
State: TN

Complaint narrative:
This complaint relates to a vehicle loan account with Volkswagen Credit that resulted in a repossession and an alleged deficiency balance of approximately {$12000.00}. The account was originally opened around XX/XX/year> and the last reported payment was around XX/XX/year>. The vehicle connected to this loan was placed under a written agreement with a third-party company called Easy Car Rental XP LLC around XX/XX/year>. Under that agreement, the company took possession and operational control of the vehicle for use in its rental fleet and agreed to be responsible for making the monthly vehicle payments and maintaining insurance coverage during the term of the agreement. The company failed to make the required payments and canceled the insurance coverage without the consumers knowledge. As a result, the loan went into default and the vehicle was repossessed. Because the vehicle was under the operational control of this third-party company pursuant to a contract, the consumer disputes liability for the resulting deficiency balance. There was also a civil legal dispute filed in XXXX XXXX XXXX related to this matter after the company failed to meet its contractual obligations. The consumer is requesting that Volkswagen Credit provide full documentation supporting the alleged deficiency balance, including repossession notices, documentation showing how and when the vehicle was sold after repossession, and the detailed calculation used to determine any remaining balance after the sale. The consumer is currently making a good-faith effort to review and resolve this account and is requesting verification of the alleged debt so the matter can be properly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Self Financial Inc.
State: CA

Complaint narrative:
This company is called XXXX. I deposited XXXX from my credit union. I made a purchase for XXXX and my account was closed. I was told that I will not get my money for XXXX days. This is a Texas based company. XX/XX/year> today is XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
This is a credit card company fit master card through XXXX of XXXX the debt was paid through XXXX XXXX pay per delete but tbom/contain is still on my credit report and the debt has been taken care of Additional information provided by consumer : XXXX2026 additional information XXXX provided b consumer : NAME : Tbom/Contfin ADDRSS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX NUMBER : XXXX

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 2026-03-13 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: CITIBANK, N.A.
State: TN

Complaint narrative:
With previous complaint XXXX, I explained to CitiBank that XXXX is participating in a XXXX scheme. Instead of investigating the claim, they said they refunded my {$590.00} which was only temporary. On XX/XX/year>, they again proceeded to charge me the {$590.00}. Essentially they did not provide the monetary relief they claimed 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 2026-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
They are saying I owe I medical debt of XXXX $ and XXXX $ and I havent been to no medical needs in the last couple of years so it isnt mine and everything I had was paid off and the last medical bill I had was for the dentist for XXXX $ that I paid in full at that day so I have no idea what this new debt is

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