vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
My statements ( on the website ) up until XXXXXXXX XXXX XXXX tell me that my save on interest and minimum payment due is {$62.00}. Suddenly, XXXX statement says that the save on interest payment is {$1700.00}. So, in less than a month, the company expected me to be able to pay a $ XXXX monthly payment difference. This is ridiculous, I can not afford this. Nor was I ever even notified that this was the end of my promotional plan. My statements get sent to my email and all it shows me is minimum payment due {$62.00}. On top of this, I never received a statement for the amount of {$1700.00} being due. The last emailed statement I received ( since Im enrolled in paperless billing ) was XX/XX/XXXX and it says minimum payment due {$60.00}. Due date XX/XX/year>. So, why did I never receive an email saying I owed {$1700.00} on XX/XX/XXXX? I called the company and even asked if they could take the interest off and I would pay the amount I had originally owed left in one payment. No. No one was helpful or had any sort of resolution. I can not afford this accrued interest nor should I have to if I wasnt properly communicated with. Why was I only receiving statements of {$60.00} being due rather than {$1700.00}? Why did I never receive an email telling me my promotional plan would be ending? Why did I never receive an email stating I was going to have accrued interest of over XXXX XXXX dollars if I didnt pay my debt in full? On top of all of this, when I was on the phone he told me that the statements on my email are going to be different than the ones online. If I sign up for paperless billing to be sent to my email, why would the statements in my email not have all of the information I need? All my statements on my email ( that I was using since I signed up for ) just give me the minimum payment and the due date. I never even received my email statement saying I owe {$1700.00}. Why would I only receive the {$62.00} emails and not the last statement where I wouldve owed {$1700.00} before the interest accrued? I wouldve paid the payment in full had I known that Id be receiving all of this interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On thanksgiving week, I have been scammed from a suppose Personal Loan assistant they said they where from XXXXXXXX XXXX The account that is in process of closure is my Chase bank, I have been unable to open a checking account at any bank due to a fraud incident that happened on my previous account. 

I was recently the victim of a scam involving fraudulent check deposits that I did not authorize. As a result, my previous bank closed my account. Since then, I have attempted to open a new checking account at multiple banks, and each bank has declined me without providing a clear explanation or guidance on what I need to do to resolve the issue. 

I have contacted my previous banks customer service, but they told me I needed to visit a branch. I visited the branch, and I still have not received clear information about what was reported, what systems I am flagged in, or how to fix or dispute the information. I am currently left without a functioning checking account, which is affecting my ability to receive pay, pay bills, and manage daily life. 

I am requesting help from the CFPB to : 1. Understand what information is being reported about me.

2. Correct or dispute any incorrect or misleading information related to the fraud incident.

3. Assist me in resolving whatever is blocking me from opening a new checking account. 

I am seeking guidance and a fair resolution so that I can restore access to basic banking services. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am disputing a {$50.00} collection listed by Columbia Debt Recovery LLC ( dba Genesis ) for XXXX XXXXXXXX. I never lived at XXXX XXXXXXXX, never signed a lease, and never owed this debt. 

Below is a clear timeline of events demonstrating that I never lived at XXXX XXXXXXXX, never signed a lease, and could not possibly owe any move-out balance : XX/XX/year>XXXX XXXX XXXXXXXX denied my housing application. 
XX/XX/year> A XXXX leasing manager emailed written confirmation that my application was denied effective XXXX and stated that my {$750.00} holding deposit would be refunded within 21 days. 
XX/XX/year> XXXX ( the property manager at the time ) sent a move-out statement showing a {$50.00} balance. I never moved in, never had keys, never occupied a unit, and never had a leasetherefore a move-out charge is impossible. 
XX/XX/year> I emailed XXXX to dispute the {$50.00} charge. XXXX never responded. 
XX/XX/year> Genesis emailed me a collection notice for {$50.00}, claiming a debt owed to XXXX XXXXXXXX. 
XX/XX/year> I emailed both XXXX and Genesis disputing the validity of the charge. Neither company responded. 
I never lived on the property, never signed any lease agreement, and never incurred any move-out charges. Because no tenancy ever existed, no debt could legally exist. The creditor has provided no documentation proving a lease, charges owed, or any basis for a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
I closed my account with Avant on XXXX XXXX and they still are charging me their monthly fees. I've called them and I get nothing but excuses. First they try telling me I wasn't charged anything and then they come back and try to say that it's from XXXX XXXX  fees and that XXXX should be the last one. I closed my account with no balance so I shouldn't be getting charged anything. I had my payments automatically deducted and they just keep taking money. The statement closing XX/XX/year> my balance on my account was {$1400.00} due XX/XX/year>. I paid {$56.00} on ( XXXX ) & {$1400.00} on ( XXXX ) = {$1400.00}. Statement closing XXXX ( XX/XX/year> ) -monthly fee of {$8.00} was charged, ( XXXX ) interest on purchases {$41.00}. Statement closing XXXX ( XXXX ) paid {$41.00}, ( XXXX ) monthly fee {$8.00} charged, Statement closing XXXX balance {$8.00}, XXXX {$8.00} paid, statement closing XXXX, XXXX monthly fee {$8.00} charged, XXXX payment made {$8.00} and was charged interest on XXXX for {$0.00} ( interest on what? I've paid my balance off every month since XXXX so this is an error ) statement closing XXXX charged monthly fee XXXX {$8.00}, XXXX payment {$9.00} taken. Once account was closed and I didn't owe a balance I shouldn't be continued to be charged a monthly fee. account closed XX/XX/year>, XXXX charged {$8.00}, XXXX paid {$8.00}, XXXX charged {$8.00}, XXXX paid {$8.00}. Still being charged and charged for things they can not tell me why such as interest on no purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
National Credit Adjusters , LLC is reporting a collection account on my credit report that is inaccurate, unverified, and not supported by any legally required documentation. I requested validation of the alleged debt, and NCA failed to provide adequate verification as required under FDCPA 809 ( b ) and FCRA 611 ( a ).

NCA has not provided the documentation required to validate or legally collect or report this debt, including : The original signed contract or agreement Full account history and itemized balance Documentation from the original creditor A complete and unbroken chain of title proving NCA legally owns or has the right to collect the debt Date of first delinquency ( DOFD ) Itemization of interest and fees Validation of the amount they are reporting NCA is furnishing information to the credit bureaus that is incomplete, inaccurate, and legally unverifiable. This violates several federal laws, including : FCRA 607 ( b ) accuracy of information FCRA 611 ( a ) duty to investigate and provide verification FDCPA 807 false representation of amount or character of debt FDCPA 808 ( 1 ) collecting amounts not permitted FDCPA 809 ( b ) failure to validate the debt Because NCA can not validate the debt, they should not be collecting it or reporting it.

I am requesting the CFPB require NCA to either produce full and complete validation of the debt or remove the account entirely from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
In 2021, my former roommate/girlfriend used my stolen identity to open multiple loans in my name. XXXX was with Avio Credit. She had access to my paystubs, phone, bank information, and she controlled an email under my name : XXXX. I never authorized this loan, never applied for it, never signed anything, and never received any funds. 

I only recently found out about this debt because of a call I received from a debt collector, XXXX years later. I immediately emailed who the debt collector told me to email to dispute the collection. My bank account in XXXX  became overdrafted because of multiple fraudulent loans she took out, and the bank eventually closed my account. I never saw or benefited from any of the funds that Avio allegedly issued. 
I have filed an FTC identity theft report, provided a police report. I also completed an Affidavit of Fraud for other loans she took out. I also have court paperwork proving another fraudulent collection from the same time period was dismissed by a judge. 

This Avio Credit loan is another result of the identity theft that occurred in 2021, and I am requesting that this account be removed. 
Please, I am requesting validation and removal, as this loan is part of a series of identity-theft incidents from 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WV

Complaint narrative:
I am filing a complaint against Toyota Financial Services/Toyota Motor Credit Corporation for an unauthorized withdrawal of {$720.00} from my bank account after my auto loan was already paid off and closed. 

Toyotas own automated system states : Your account closed and paid off on XX/XX/year>. 

Despite this, Toyota Financial withdrew {$720.00} from my account on XX/XX/year>, without authorization. I never approved any additional payments after my vehicle was paid off by XXXX XXXX XXXX. 

When I contacted Toyota Financial Services, I was given contradictory and misleading information. A representative XXXX XXXXXX/XX/XXXX insisted the account was still active and refused to let me speak with a supervisor. He denied escalation multiple times, even though this involved an unauthorized withdrawal. I have been given the runaround for days and have experienced significant stress and emotional distress as a result, as well as financial hardship due to the unexpected withdrawal. 

Toyota Financial is also short {$230.00} from the original payoff check sent by XXXX XXXX XXXX, and I have not been provided any explanation for that discrepancy. 

My concerns include : Unauthorized withdrawal from a closed account Contradictory information from representatives Refusal to escalate a financial dispute Mishandling of payoff funds Emotional and financial hardship Potential unfair or deceptive practices I am requesting the CFPB require Toyota Financial Services to : Immediately refund the unauthorized {$720.00} withdrawal Correct my account to properly reflect the closed and paid-off status Address the representatives refusal to escalate Investigate Toyota Financials contradictory information and mishandling of consumer accounts In addition, I am requesting compensation for the severe distress, fear, and emotional harm this situation caused. As a single mother with a toddler, the unauthorized withdrawal and refusal to escalate left me terrified and without access to needed funds right before XXXX. Compensation for this hardship is justified. 

I can provide screenshots of the automated system showing the account as closed, bank statements showing the withdrawal, call logs, and any other evidence needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
am filing a complaint regarding repeated errors by Newrez LLC in setting up and processing my mortgage payment. Despite multiple attempts to resolve the issue, Newrez has incorrectly entered my bank account information several times, causing payment rejections and unnecessary disruption. 

Chronology of events : XX/XX/year> : I received the welcome packet from Newrez. The same day, I created my online account and set up a recurring monthly mortgage payment. 

XX/XX/year> : I received an email from Newrez stating that my recurring payment had been canceled. I immediately logged in and re-established the recurring payment. I received a confirmation email showing it was successfully set up. 

XX/XX/year> : I received notice that the payment was rejected again. 

XX/XX/year> : I called Newrez customer service to determine the cause. The representative read the bank account number they had on file, and it included an extra digit, making it an invalid account number. The representative told me that I must have entered it incorrectly. I accepted responsibility at the time, and she stated the issue was fixed. 

XX/XX/year> ( approximately one hour later ) : Because I no longer trusted the information, I called back. I asked a different representative to read the bank account number on file. To my surprise, the account number was still incorrect, with the same extra digit. The first representative had not corrected the problem, and the incorrect information remained in the system despite her confirmation. 

These repeated errors have caused my payments to be rejected, my recurring payment to be canceled without my action, and significant concern about whether the loan will be serviced correctly going forward. I made good-faith efforts to pay on time, yet Newrezs internal mistakes repeatedly prevented the payment from being processed. 

At this point, I have lost confidence that Newrez can accurately manage my payment information or properly process my mortgage payments. I am requesting the CFPBs assistance to ensure : My loan is brought current with no late fees, penalties, or negative credit reporting, Newrez corrects and verifies my banking information, and Newrez provides a written explanation of how these repeated data-entry errors occurred and what steps they will take to prevent further issues. 

I have documentation for each attempted setup, including confirmation emails and call logs, and can provide them upon request.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed an FTC Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 
Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a complaint regarding my mortgage servicers handling of my COVID-19 forbearance repayment. I believe I was misled, not properly informed, and not provided the disclosures required by federal guidelines. As a result, a {$50000.00} subordinate lien was placed on my home in XXXX XXXXXX/XX/XXXXwithout my informed consent. 
Background During the COVID-19 forbearance period, I contacted my servicer to bring my loan current. I was specifically told that my missed payments would just go to the end of your loan. Based on this information, I agreed to the repayment option they offered. 
At no point did the representative explain that : my skipped payments would become a recorded subordinate lien, the repayment would take the form of a HUD Partial Claim or deferral lien, the lien would need to be paid in full if I refinance or sell, or a new mortgage note was being created and attached to my title. 
I was not informed of any lien, nor was I given a clear disclosure or explanation of the legal or financial implications. I do not recall signing any document authorizing this lien. I recently discovered it while checking county records. 
Concerns I believe the servicer may have violated federal servicing guidelines by : Providing misleading or incomplete information about the repayment structure. 
Failing to disclose the creation of a subordinate lien.

Failing to provide required documents or obtain valid signatures authorizing the lien.

Misrepresenting the terms of the forbearance repayment, leading me to believe payments were simply deferred.

Recording a lien without informed borrower consent.

This has caused confusion, distress, and potential financial harm.

What I am requesting I am requesting that the CFPB require my mortgage servicer to : Provide copies of all disclosures, agreements, and signatures they claim I completed regarding the lien.

Provide a full explanation and timeline of how the lien was created and recorded. 
Explain why the lien was not disclosed clearly and truthfully, especially since I was told the payments would go to the end of the loan. 
Confirm whether the lien amount is accurate and whether improper fees or charges are included. 
Explain whether HUD or federal COVID-19 servicing guidelines were followed. 
Correct any misrepresentation or improper lien activity, including potential lien removal if the servicer can not demonstrate proper disclosure and authorization. 
My information Name XX/XX/XXXXServicer Name : Freedom Mortgage Thank you for your attention to this matter. I appreciate your help in ensuring my mortgage was serviced in compliance with federal regulations. 
Sincerely, XXXX 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 2025-12-03 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: PNC Bank N.A.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against PNC Bank regarding their retaliatory closure of my accounts, failure to honor my arbitration request, and mishandling of an unauthorized transaction on my account. 

In XXXX, I reported an unauthorized transaction on my account. Despite promptly notifying PNC once I knew, the charge was not removed, and my concerns were not adequately addressed. I filed a formal complaint with PNC about their handling of this issue and 2 complaints.

Shortly after, PNC closed all of my accounts without providing a valid explanation I believe. The timing and circumstances strongly indicate that this closure was retaliatory, intended to punish me for exercising my rights and filing a complaint. 

Furthermore, I requested arbitration as instructed by a PNC representative named XXXX. She advised me to submit a written request, which I did, expecting PNC to initiate the arbitration process. However, PNC ignored my arbitration request entirely. 

These actions by PNC Bank represent a serious violation of consumer protection laws and undermine trust in financial institutions. I urge the CFPB to investigate this matter thoroughly and take appropriate action to ensure PNC is held accountable. 

Please find attached all relevant correspondence and documentation supporting my claims. 

Thank you for your attention to this urgent matter. I look forward to your response and resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation