vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I was notified by XXXX that a credit card was opened in my name via email alert and I didn't open a card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: IN

Complaint narrative:
XX/XX/year> - deposit for trip to XXXX declined. Called XXXX and held for XX/XX/XXXX. Received incoming call ( missed ) from fraud department and instructed to call PNC 's fraud detection and remediation department at XXXX - recorded wait time was estimated at XXXXXX/XX/XXXX If PNC 's fraud department requests a call back from me, I expect someone to be available in less than an hour to take my call. I did not have an hour to hold so I hung up and tried the customer service number ( XXXX ) again. After a XXXX XX/XX/XXXX hold I was connected and transferred to the fraud department. I was again placed on hold for another XXXXXX/XX/XXXX and then auto transferred back to customer service to hold - I hung up. Next I made an appointment with a banker to discuss the situation in person at a PNC branch. The banker was placed on hold with the fraud department ( internally ) for XXXXXX/XX/XXXX( yes I was timing it ). After a XXXXXX/XX/XXXX conversation explaining that I was not currently in the XXXX, I was trying to pay a deposit for a trip to the XXXX in the amount of XXXX great XX/XX/XXXX pound sterling ( about {$4000.00} ), the fraud team associate indicated that he/she was notating the account that the amount was verified and approved and that my card was unfrozen. XX/XX/XXXX - deposit declined again. What I wish to accomplish : When I am returning a call to the fraud department, a hold time of less than XXXXXX/XX/XXXX Not to be auto transferred back to customer service. When a charge is approved by me that it goes through. A streamline process to authorize out of normal ( XXXX time ) purchases that may trigger concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 CXXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
XX/XX/XXXX : Through the Navy Federal Credit Union ( NFCU ) Secure Message, I requested to wire transfer {$20000.00} to my brother 's USD account to a bank in the XXXX. I provided the required information including the information that I am presently in the XXXX on a holiday. XX/XX/XXXX : I received a message from NFCU asking for more information. XX/XX/XXXX - XXXX : I received a phone call on those days asking for more information. The last question asked was if I had transferred money to my brother 's account before, which I said no. XX/XX/XXXX : I received a message stating the they were unable to process my request due to " SECURITY RESTRICTIONS. '' I sent a message to NFCU asking the specifics of what the security restrictions are. XX/XX/XXXX : I could not access my account. The Member Service Rep informed me that my account was locked. It was unlocked after I called. I sent a message to NFCU again asking why they locked my account. I DID NOT RECEIVE ANSWER on both messages. XX/XX/XXXX : I called NFCU to find answers to my questions, since they did not reply to my messages. I asked the XXXX, XXXX, why my account was locked and what entails the Security Restriction, reason for not processing my wire transfer request. His reply was, " their Security Team or Dept thought that someone might want to access my account. '' However, I was not informed of any confirmed unauthorized transaction, no fraudulent activity was identified to me, and no specific suspicious activity was disclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 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: MD

Complaint narrative:
XXXX XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: CA

Complaint narrative:
Written agreement of settlement completed on their online portal. I was locked out of their portal and they said to call them. When I called them they said they would send the agreement in 24-48 hours, but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank sent me an offer for a credit card. I submitted the application. They went ahead and ran my credit and dinged it for a hard inquiry, but sent me a notification in the mail that said " unfortunately, we are unable to establish an account for you at this time because we are unable to verify identification information on the application. '' Yet, they ran my credit!!! They gave me a number to call XXXX, but no one ever answers. I was on hold for XXXXXX/XX/XXXX!!! I called another portion of the company and they all referred me back to the XXXX number!! And they said they couldn't help!! This is irresponsible by US BANK. They sent me the offer and ran my credit, but said they needed more information which I have no way of doing. They dinged my credit XXXX points!! They need to be reprimanded for this. Hire some people to answer the phones!!!

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 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XX/XX/XXXX years ago I closed my account at XXXX for my XXXX and began coverage through XX/XX/XXXX. XXXX continued to bill me anyway. I called customer service to inquire why they were still billing me when I had been converted over the XX/XX/XXXX. They informed me it was due to my XXXX XXXX also being on the plan, and when I closed my account the watch still had a line listed with XXXX. I asked why they hadn't cancelled the watch line on my account WITH the XXXX, and couldn't get a satisfactory answer. They said if I just paid the outstanding balance on the watch line ( which amounted toXX/XX/XXXXXXXX ) that they would go ahead and close the account and it would all be over. Frustrated as I was, I paid that balance last summer with their PROMISE to close my account after payment went through. I have since moved to another state and now find out they have sent me to collections for a whole other amount, {$72.00}. I contacted XXXX who shuffled me around departments and explained the situation repeatedly only to have my calls eventually dropped after hours. Nothing ever happened. I have recently contacted them again but also to no effect but it's even worse as they have assigned me to collections and say they don't have access to my account to do a review. I am simply unwilling to pay a bill for services I never agreed to simply because they sent me an invoice. They've lied to me so many times that even if I were stupid or desperate enough to pay this stupid amount, I have XXXX assurance this will end. They'll just start billing me again ... they've now done thisXX/XX/XXXX there won't be a third. I've even disputed this with XX/XX/XXXXwho responded that the company said the information is correct... when in fact it isn't. This is all a lie and I don't want to waste any more afternoons talking till I'm blue in the face about it. This was THEIR error, and THEY should fix it. Stay away from XXXX, they are criminals and this is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
FTC REPORT XXXX XXXX XXXXXXXX My First & LAST name, My Street NUMBER & Street NAME and My City and State are as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TODAY IS : XX/XX/XXXX PLEASE DELETE THE INACCURATE ADDRESSES BELOW : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Upon receipt of my credit report, I have identified the following item ( XXXX ) that contain inaccurate information : XXXX. The late payment data being furnished does not meet Metro 2 accuracy thresholds and lacks verification per FCRA XXXX ( a ) ( XXXX ) ( B ). If can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. This debt was included in bankruptcy. To cease violating the court orders and automatic stay, please remove immediately. XXXX XXXX XXXX Date opened XXXX XXXX, XXXX XXXX. This debt was included in bankruptcy. To cease violating the court orders and automatic stay, please remove immediately. XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX. This debt was included in bankruptcy. To cease violating the court orders and automatic stay, please remove immediately. XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. This debt was included in bankruptcy. To cease violating the court orders and automatic stay, please remove immediately. XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. This debt was included in bankruptcy. To cease violating the court orders and automatic stay, please remove immediately. XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. The late payment data being furnished does not meet Metro 2 accuracy thresholds and lacks verification per FCRA XXXX ( a ) ( XXXX ) ( B ). If can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. XXXX XXXX XXXX XX/XX/XXXX XXXX. Per my rights under the FCRA, please provide the contact information for the third party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. Bankruptcy XXXX XXXXXXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 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: NY

Complaint narrative:
Chime account experienced multiple unauthorized XXXX XXXX Balance Add transactions totaling {$6400.00}. The transactions included {$2400.00}, {$2400.00}, and {$1500.00}, along with an attempted {$5000.00} transfer that was declined. These transactions occurred within minutes of each other and were not authorized by me. I did not initiate these transfers, did not provide my credentials or PIN to anyone, and did not authorize XXXX XXXX funding. The rapid pattern of high-dollar transactions indicates fraudulent account takeover activity. I immediately reported the fraud to Chime and requested investigation under the Electronic Fund Transfer Act ( Regulation XXXX ). The unauthorized electronic fund transfers caused significant financial harm. Under federal law, I am entitled to protection and reimbursement for unauthorized electronic transactions reported promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt and request that you provide proper validation. Specifically, please provide : XXXX. The name and address of the original creditor. XXXX. A copy of the original signed lease or contract bearing my signature. XXXX. An itemized breakdown of the amount claimed, including all fees, interest, and charges. XXXX. Documentation showing that your agency has the legal authority to collect this debt. XXXX. Proof that the debt is within the applicable statute of limitations. Until you provide the requested validation, you must cease all collection activity and reporting to any credit reporting agencies. If this account is reported on my credit report, please note that it is disputed. I request that all future communications be made

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cashera LLC
State: VA

Complaint narrative:
Dear Cashera Customer Service, I am writing to formally request a dismissal of fees and an adjustment to my account balance due to ongoing issues with payment processing and a lack of response from your company. For the past couple of months, I have been making weekly payments of {$120.00} toward my cash advance. However, there have been multiple weeks where the scheduled payment did not process. During those times, I made several attempts to notify your company to avoid any additional fees being applied. Specifically : I sent multiple emails but did not receive any responses. I attempted to use the chat feature, which redirected me to email, but again received no reply. I called several listed phone numbers ; some were disconnected, and others led to voicemail boxes where I left messages that were never returned. I also attempted to manually make payments through the app, but it repeatedly generated error messages and did not allow me to complete the payment. Despite my consistent efforts to resolve these issues and remain in good standing, I have been unable to reach anyone or successfully make payments during certain periods. As a result, I am concerned that additional fees XXXX have been applied unfairly due to circumstances beyond my control. Given the documented lack of responsiveness and technical issues, I respectfully request : A review of my account and payment history. The dismissal of any fees incurred during weeks when payments failed due to system errors or inability to contact your company. A reduction of my outstanding balance by XXXX XXXX XXXX to account for these issues. I have made every good faith effort to meet my obligations, and I believe this situation warrants a fair resolution. Please respond to this request as soon as possible with confirmation of receipt and next steps. I would appreciate timely communication moving forward. Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Imprint Payments, Inc.
State: NY

Complaint narrative:
I opened a XXXXXXXX XXXX XXXXXXXX XXXX credit card and was shown a welcome reward at account opening that later disappeared and was never issued. I also earned approximately {$200.00} in rewards through spending, which were confirmed by customer service but were not accessible in my account due to a system issue involving mismatched account/email information between XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. I contacted both XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX multiple times over several months and spent hours on the phone. Each time, I was told the issue would be escalated, but I never received any follow-up or resolution. I was repeatedly directed back and forth between both parties without a fix. As a result, I was unable to access or use my rewards and lost time attempting to resolve the issue. I am requesting that all earned rewards be made accessible, the missing welcome bonus be issued, expiration dates be adjusted due to the delay, and additional compensation be provided for the inconvenience and time spent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST FINANCIAL BANCORP
State: IL

Complaint narrative:
On XX/XX/year>, my checking account showed {$150.00} available, and because I saw that amount available, I made a XXXX transfer for the amount of {$140.00} then the following day I received a NSF for {$35.00} I called the bank and it seems there is a glitch in their system and they did not want to refund the {$35.00} fee Their systems show XXXX amount as available and another one as current balance. I made the transfer based on the available balance From what I understand I am not the only XXXX with this issue, I have a screen shot showing the above In the attachment you will see the available balance saying XXXX thing and the current balance saying something different

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 monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: State Home Mortgage
State: GA

Complaint narrative:
During approximately XX/XX/year> through XX/XX/year>, I was actively engaged in a loan modification process with State Home Mortgage on my mortgage account XXXX. LATE PAYMENT REPORTING DURING MODIFICATION : While my modification was being reviewed and processed, State Home Mortgage continued to report my account as delinquent/late to XXXX, XXXX, and XXXX. The following months were reported as late during my active modification period : - XXXX XXXX XXXX I was complying with all documentation requests and trial payment requirements as directed by the servicer. Reporting my account as late while I was in active loss mitigation is inaccurate and violates CFPB Mortgage Servicing Rules under 12 C.F.R. 1024.41 and the Fair Credit Reporting Act. UNAUTHORIZED PROPERTY INSPECTION / DOOR-TAG FEES : During the same modification period, State Home Mortgage repeatedly sent inspectors to my property to place door-tag notices. I was charged approximately {$170.00} per visit for these inspections. The visits occurred on or around the following dates : XX/XX/year> XX/XX/year> XX/XX/year> I paid these fees separately from my modification arrangement. The total amount I paid for these inspection fees is approximately {$520.00}. These fees were unnecessary I was living in the home, actively communicating with the servicer, and participating in the modification process. Charging property inspection fees on an occupied property during active loss mitigation is an unreasonable servicing charge under RESPA ( 12 U.S.C. 2605 ) and Regulation X. WHAT I WANT : 1. All late payment entries removed from my credit reports for the months I was in active modification and updated to reflect paid-as-agreed. 2. A full refund of all property inspection/door-tag fees charged during the modification period. 3. Removal of any inspection fees that were added to or capitalized into my loan balance. 4. Written confirmation that all corrections have been made. I am filing this complaint because these practices I previously spoke with them regarding this and disputed the Late payments with the credit bureau that said they verified with State Home Mortgage as Accurately reported reporting borrowers as late during active modification and charging unnecessary inspection fees are exactly the types of servicer misconduct the CFPB has cited in prior enforcement actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

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

Company response to consumer: Closed with non-monetary relief