vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I activated my store credit card on XX/XX/year>. The written terms provided during the application process explicitly state that the user will be auto-enrolled in the " Pro '' membership program within 48 hours. On XX/XX/year> ( more than 48 hours after card activation ), I made an in-store purchase totaling approximately {$320.00} for trading card services. Despite meeting all the requirements, the merchant 's system failed to recognize my membership status at the time of purchase. As a result, the following advertised benefits were not applied : A {$25.00} instant discount ( Promotional offer : " Spend {$250.00}, Save {$25.00} '' ). A 5 % membership discount on collectibles and services. The advertised credit card reward rate of 40 points per {$1.00} spent, which should have totaled 12,840 points for this transaction. I contacted the company 's customer service to request a manual adjustment. The company refused to honor the rewards, claiming a " required update period '' is necessary before an account becomes eligible to earn points. This " update period '' is not mentioned in any of the credit card 's legal disclosures or the written 48-hour enrollment guarantee. The company is failing to honor the advertised promotional terms and rewards program associated with the credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: CA

Complaint narrative:
t for Reinvestigation Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding unauthorized debit card transactions totaling {$4900.00} that occurred on my Upgrade checking account issued through XXXX XXXX Bank on or about XX/XX/XXXX. I respectfully dispute the determination made by the bank that these transactions were authorized and request that the matter be formally reinvestigated. I reported the suspected fraud to the bank within two days of discovering the unauthorized activity, thereby complying with my obligation to promptly report unauthorized electronic fund transfers. At the time of my report, the bank opened an investigation and issued provisional credits to my account on XX/XX/XXXX while the matter was under review. In addition to reporting the fraud to the bank, I filed a police report with my local XXXX XXXX XXXX and reported the incident to several federal agencies, including the Federal Bureau of Investigation, the Internal Revenue Service, and XXXX. I also submitted a complaint to the Federal Deposit Insurance Corporation. On XX/XX/XXXX, I was sent an email indicating that the bank had concluded its investigation and denied my claim, determining that the transactions were valid. At that time, I was on medical leave and my phone service was temporarily turned off, so I did not receive or review the notification. I first became aware of the denial on XX/XX/XXXX, when I checked my account and discovered that the provisional credits had been reversed. Because I had been hospitalized, Upgrade granted me an extension to submit an appeal until XX/XX/XXXX. During the appeal process, I submitted additional documentation demonstrating that I did not conduct these transactions. This evidence included timestamped location data confirming my whereabouts at the time of the transactions, as well as account records indicating that I was not present at the locations where the fraudulent activity occurred. Despite providing this documentation, I was notified on XX/XX/XXXX, that my appeal had been denied. I also recently discovered that two XXXX accounts appear to have been created in my name approximately seven days prior to the initial fraudulent transactions, and another account was created in XXXX using a different debit card. I did not create, authorize, or knowingly participate in establishing these accounts. The existence of these accounts strongly suggests that my personal and financial information may have been obtained and used without my knowledge or consent. The reversal of the provisional credits has caused significant financial hardship. The stress associated with this unresolved fraud dispute has contributed to multiple emergency room visits and substantial medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX, XXXX, and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: UT

Complaint narrative:
I received an email from a " trueaccord '' debt collector. The email was addressed to someone, not my name at all, and disclosed information such as address and amount of debt owed. I do not know if I have a current collection with this company, but I do know if I did I wouldn't be happy about that information just emailed to random emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2026-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
I had a car loan back in XXXX with XXXX. My sister ended up in a car accident and totaled my car. I notified the Carhop of the situation. I never heard back from them and I did not get anything related to the car as it being sold or that they picked up the car. I do know that they had a law firm garnished my checks from when I worked at XXXX. The name of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I received two notices from them one to settle for the account and the other to file a motion to continue the debt and stop the " statue of limitations. '' I really haven't received much about this loan other than they garnished my wages. I really believe they did not use the wages that they garnished because the balance does not seem to be going down. I feel like this overall experience has caused me to lose money and pay for something that has be longed overdue for nothing to show for from the company. I need a resolution on this because I feel like they keep selling or manipulating the law to keep this going when its been over 6 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
" id= '' XXXX '' } I am filing a formal complaint regarding multiple inaccurate and illegally reported collection accounts appearing on my credit report. The following accounts are being reported without proper verification and contain inaccurate and inconsistent reporting across credit bureaus. Accounts in dispute : XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance {$480.00} 2. XXXX XXXX XXXX Original Creditor : XXXX XXXX Bank Balance {$2800.00} 3. XXXX XXXX XXXX Original Creditor : XXXX XXXX Bank Balance {$860.00} 4. Jefferson Capital Systems Original Creditor : XXXX Balance {$1200.00} These accounts violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies and furnishers to ensure maximum possible accuracy when reporting consumer credit information. The reporting is inconsistent between credit bureaus, including conflicting account types, statuses, and missing payment history. Additionally, these accounts are being reported by debt buyers who have failed to provide the legally required documentation proving ownership of the debt. Specifically, the companies have not provided : The original signed contract Complete chain of assignment showing transfer of the debt Original billing statements Proof of validation under 15 U.S.C. 1692g Furthermore, one of these accounts ( XXXX / Jefferson Capital ) had previously been removed from my credit report. Re-reporting a previously deleted account without proper notice violates FCRA reinsertion rules under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I am also challenging the validity of these debts because legal proceedings occurred while I was incarcerated and unable to properly defend myself in court. This raises serious due process concerns. Courts have ruled that credit bureaus must perform a reasonable investigation and can not rely on automated verification systems. XXXX v TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) XXXX v BEH-1 LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Additionally, debt buyers must prove ownership of a debt before attempting collection. XXXX v Santander Consumer USA Inc., 137 S.Ct. 1718 ( 2017 ) Because these accounts remain unverified and inaccurately reported, I am requesting the following : 1. Immediate deletion of the accounts from my credit report 2. Copies of the original signed contracts 3. Complete chain of assignment proving legal ownership of the debt 4. The method of verification used to validate these accounts Failure to correct these violations may constitute willful non-compliance with the Fair Credit Reporting Act. I request immediate investigation and correction of my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I cancelled my account with XXXX but I later discovered that a balance of approximately {$290.00} was sent to collections by Credence Resource Management XXXX I do not owe this balance because my service had already been cancelled prior to the charge being created. I attempted to dispute the account through the credit reporting agency, but the dispute was rejected without a proper investigation or documentation proving that the debt is valid. This inaccurate collection account is now being reported on my credit report and is damaging my credit. If the company can not provide documentation proving that this debt is valid and that the balance is correct, their continued attempts to collect and report this debt may violate the Fair Debt Collection Practices Act. I am requesting that this account be properly investigated and removed from my credit report if the debt can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I did not receive the opening promotion bonus even after fulfilling terms/requirements. Please see attached email of promotional offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
MOHELA has failed to reissue a refund check after an overpayment, despite repeated assurances and despite having my correct legal name on file. The refund has been withheld since XX/XX/XXXX, and I have been given contradictory information by MOHELA and the U.S. Department of the Treasury. My attempts to resolve this through the Department of Educations Feedback Center have gone unanswered. I am filing a complaint regarding MOHELAs failure to reissue a refund check after an overpayment on my federal student loan account. In XX/XX/XXXX, MOHELA issued a refund check in my maiden name. I submitted the required namechange documentation, and my MOHELA account now reflects my correct legal name. Despite this, the refund check was cancelled and returned to the U.S. Department of the Treasury for reissue. Since XX/XX/XXXX, MOHELA has repeatedly told me that the refund is still processing or that Treasury has not issued a new check. However, the U.S. Department of the Treasury informed me that they can not take any action unless MOHELA submits a reissue request. This indicates that MOHELA either did not submit the request or submitted it incorrectly. I have contacted MOHELA multiple times over the past several months and have been given shifting timelines of 3090 business days with no progress. I have also filed complaints with the Department of Educations XXXX Feedback Center in XX/XX/XXXX and again in XX/XX/XXXX, but I have not received any response. At this point, MOHELA has withheld my refund for several months, provided contradictory information, and failed to coordinate with Treasury. I am unable to obtain a clear answer or resolution from either agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.

Complaint narrative:
I opened an account with XXXX XXXX to finance a purchase under promotional financing terms. I believed I was meeting the requirements to avoid interest. However, after reviewing my account, I discovered that interest had been applied to the balance. At the time the promotional period ended, my balance was only about {$35.00} short of being fully paid off, yet a large amount of interest was applied to the account. This came as a surprise to me and significantly increased my balance. I contacted customer service to ask for clarification about how the interest was calculated and why it was applied when the remaining balance was so small. The explanation I received was confusing and unclear, and it was difficult to understand exactly how the terms were being applied. Because the balance remaining was very small and the terms were not clearly explained to me, I believe the interest charges were unfair and not reasonably understood. I am requesting that the interest charges be reviewed and removed. When I contacted customer service, the explanation of the interest charges and financing terms was difficult to understand and not clearly communicated. Because of this, I was unable to get a clear answer about how the interest was being applied to my account. In addition, the XXXX XXXX website and account portal are difficult to navigate and understand. This made it challenging for me to clearly track my remaining balance and fully understand how the promotional financing terms were being applied. Based on my experience and feedback I have seen from other customers online, many people appear to struggle with understanding the website and financing structure. This lack of clarity contributed to my misunderstanding of the remaining balance before the promotional period ended. Based on my experience, the financing terms and the consequences of not paying the balance in full by the promotional deadline were not clearly disclosed or explained in a way that I could reasonably understand. Given that the remaining balance was only about {$35.00} at the time the promotion ended, the application of a large amount of deferred interest feels disproportionate and suggests that the terms may not have been communicated clearly enough for consumers to make informed financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
A collection account from Jefferson Capital Systems , LLC is appearing on my XXXX credit report with a balance of {$2400.00}, allegedly originating from XXXX XXXX. I have four specific concerns : First, Jefferson Capital Systems is a third-party debt buyer. I do not believe they can produce the original signed contract, complete chain of debt assignment, or original creditor documentation connecting this debt to me. Despite this, they continue reporting this as an open negative collection account. Second, I submitted a formal dispute through XXXX on XX/XX/XXXX citing the balance and past due amount as incorrect. The dispute is scheduled for XX/XX/XXXX. Jefferson Capital has not contacted me directly nor provided any debt validation during this period. Third, the collection account shows a Date Opened of XX/XX/XXXX, which does not align with the original XXXX XXXX account history. I believe this may constitute improper re-aging of the debt in violation of the Fair Credit Reporting Act. Fourth, I have never received any written communication from Jefferson Capital Systems validating this debt, including proof of original creditor, itemized balance, or documentation proving legal right to collect. This unverified account is causing material harm to my credit profile and financial opportunities. I am requesting Jefferson Capital Systems either provide complete original debt validation or delete this tradeline from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
A depth amount was taken out in my name saying I owe rent to a apartment complex I've never lived at

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Both of my credit card have been overcharged with fees. The bank said that I had insufficient funds in my checking account. When I checked my transactions not only I did had the funds in my account but also discovered that about {$1400.00} of my money is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Receivables Management LLC
State: OK

Complaint narrative:
XXXX payday loans/ XXXX XXXX XXXX in Oklahoma did a charge off on a loan I took out in XXXX. I paid half of the loan off on time consecutively for 6 month. I had lost my job and tired to work with them by trying to pay what I could afford and they reset my loan to it's original balance of {$700.00}. At that point I told I then I will only paid the remainder of what I owe, which at that point, I only owed {$280.00}. they refused my offer and charged off my debt and sold it to a company named XXXX receivable management. They have emailed me trying to collect on a bought debt. I put them on notice that I would file a complaint and they put it on my consumer credit reports, XXXX XXXX XXXX XXXX and XXXX XXXX. They need to be removed immediately

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I was robbed at XXXX and they took my phone while they had my phone. They went into my XXXX account and sent themselves {$50.00}. The following day I got out of the hospital I contacted XXXX to dispute the charge informed them of what had happened and was prepared to provide them with a police report. They said they would investigate and then a week or so later I got the {$50.00} back in my account but they suspended my account and said I needed to verify who I was so I tried and then I got email back and they said that they permanently closed my account and there was nothing that I could do and they would not be responding. I have tried multiple times to get in contact to retrieve the {$54.00} that is on my account and they refused to answer

Company response to consumer: Closed with explanation