vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Someone opened a Citibanks CBN card in my name and I can't close it No help from Citibanks without disclosing my ss number

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 2026-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
b'I have a XXXX XXXX and was hospitalized therefore unable to work. I do not have sick or vaction time offered at my job. I called the credit card company and requested they assist me with a payment program due to missing work for illness. They refused. My balance went up over XXXX in XXXX months due to fees and interest. I contacted the credit card (3) three times and finally was allowed to speak with a supervisor who offered me a program that I pay 1% of the balance but it remains against my credit. I became homeless when a relationship broke up recently. Now, I cannot get an apartment because of my credit score. They refuse to fix any of this. I closed the account. During the first hone call months ago, I told them I bought the protection plan but they are telling it was cancelled. They also said I cannot be reimbursed for that plan. They no longer have a protection plan. Please help. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding Concora Credit ( Account Ending in XXXX ) and the excessive fees assessed to my account. Although I have continued making payments on this account, recurring late fees, returned-payment fees, monthly maintenance fees, credit protection fees, annual fees, and related charges have significantly increased my balance. These fees have accumulated to more than {$1000.00} over the period reflected in my statements and have substantially impaired my ability to reduce the principal balance. I believe the repeated assessment of fees created an unreasonable cycle of debt in which my payments were largely offset by ongoing charges and penalties. I have attempted to remain current and address the account despite experiencing financial hardship. Additionally, after contacting the company to dispute fees and request assistance, I lost online access to my account statements and account history. This restricted my ability to review charges, verify balances, and effectively evaluate the fees being disputed. I request an explanation for the loss of access, restoration of online account access, and copies of all account records necessary to review and resolve this matter. Specifically, I request copies of : All account statements Complete payment history Complete fee history Account agreements and fee disclosures Records supporting the current balance calculation Any notices regarding changes to my online account access I am requesting the following resolution : A full review of all fees and penalty charges assessed to the account. Removal and reversal of late fees, returned-payment fees, monthly maintenance fees, credit protection fees, annual fees, and other non-purchase charges. Recalculation of the account balance after the disputed fees are removed. Review for hardship assistance and account relief programs. Restoration of online account access or provision of all account records and statements. Correction of any negative credit reporting resulting from balances inflated by disputed fees, to the extent permitted by law. A written explanation supporting any fees the company declines to remove. I am seeking a fair resolution that allows me to repay the legitimate debt owed without the burden of excessive fee accumulation and recurring penalty charges. I respectfully request a complete investigation and written response. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comentiy Capital is saying that I was late making payments when Im quite sure I had paid it off. When I looked at my credit report it shows that XXXX dollars were remaining that collected interested. I never received a statement of this nor any phone call by the company. Now it has negatively affected my XXXX XXXX which I have worked so hard to keep in a postive. It went down XXXX points when I have consistently made payments on this account for them to punish me by XXXX dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
An online payment that I made to Comenity XXXX XXXX XXXX from my personal bank account was paid early, it was due on XX/XX/year> and posted to my bank account on XX/XX/year>. The amount was {$39.00} which was the entire balance due. Comenity proceeded to unfairly charged a late fee + interest. I complained to Comenity several times and I provided proof of the early payment. The response from Comenity was they " need up to 90 days to look into this, and no payment or interest will be needed during their process. Comenity then charged ADDITIONAL MULTIPLE late fees and interest during this process. Please note that I maintain XXXX balances on all my accounts, always making payment on time or early to avoid finance charges, and I am a senior citizen. Comenity XXXX XXXX XXXX has several complaints of delayed payment processing when consumers pay online thru their personal checking accounts, this is easily found in a XXXX search. Comenity XXXX XXXX XXXX continues to insist that I must pay late fees and interest. Their demand in unfair and I believe they should be held for punitive damages. Please assist. I made the payment of the entire balance early before the due date. They continue to charge late fees and interest every month and I no longer use the card. I feel that I am being taken advantage of because I am a senior citizen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
This is not my account and was opened without my consent. Filing a stolen identity report today!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I discovered two unauthorized XXXX 's transactions for {$290.00} each on my Credit Karma Money account. I immediately disputed the transactions and advised Credit Karma that I did not make these purchases, was not present at XXXX 's, and retained possession of my debit card. Credit Karma denied my dispute and advised that the transactions were authorized through chip and PIN usage. I requested further review and documentation regarding how this determination was made. Because I maintained that I did not make these purchases, I contacted XXXX 's and filed a police report. During the police investigation, XXXX 's advised that the transactions appeared to have been completed using a digital card/phone payment. The investigating officer provided the last XXXX digits of the digital card used, and those digits do not match my physical card. I also do not recognize those digits as any digital card currently associated with my XXXX XXXX. I contacted Credit Karma Member Support regarding the digital card information and was advised they were unable to identify the digital card number provided to me. My concern is that Credit Karma concluded that I authorized these transactions despite my repeated statements that I was not present at XXXX 's and despite information now being uncovered during a police investigation regarding a digital card that I do not recognize. I am requesting a thorough review of this matter, clarification regarding the digital card used in the transactions, and an explanation of the evidence relied upon to determine that I authorized these purchases. A police report has been filed and the matter remains under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DailyPay, Inc
State: NV

Complaint narrative:
The company fails to act properly with regard to a XXXX XXXX scam over the purchase of merchandise. They sent an unecessary form instead of turning attention to the root of the problem, the fake financial perpetrator. They wasted unnecessary time. Furthermore I feel they are antisemitic and lackadaisical based on interactions and their failure to help me as a customer and recognize the importance of my funds. Theyve hung up on me several times though I havent used foul language. Are banks supposed to protect your money? When I was at XXXX XXXX XXXX that was always my impression. If banks are so intent on security procedures why are they allowing bad guys to get and dismissing honest customer like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Denefits LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2025, I signed an agreement with 60 Day Credit Repair. The agreement included a XXXX cancellation period. The cancellation notice states that I could cancel the contract without penalty or obligation within seven days of signing. On XXXX XXXX, 2025, during the cancellation period, I contacted the company by telephone regarding the agreement and cancellation. Phone records show a XXXX call with the company during the cancellation period. My concerns were not resolved during the cancellation period. Subsequent communications occurred after the cancellation period had expired, including calls on XXXX XXXX, 2025. Denefits is currently reporting a balance that I dispute. I believe I attempted to address cancellation of the agreement during the contractual cancellation period and I am requesting an investigation into whether my cancellation rights were properly honored and whether the balance being reported is valid. I have attached the cancellation notice and phone records supporting my timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime
State: TX

Complaint narrative:
In XXXX, I financed a XXXX XXXX through DriveTime in Delaware for my son to use for transportation. After approximately XXXX year of use, the vehicle experienced a major engine failure. The vehicle was subject to a manufacturer recall, and repairs were eventually completed. Following the repairs, I continued making use of the vehicle for some time. The vehicle was ultimately repossessed in XX/XX/XXXX. However, I am disputing the balance currently being reported because it appears excessive and does not reasonably reflect the value of the vehicle or the remaining obligation. The amount being reported is significantly higher than what I believe should be owed and exceeds the vehicles actual value by a substantial margin. Additionally, the creditor currently reporting this account on my credit report is not the company from which I originally purchased or financed the vehicle. I am requesting documentation showing the transfer of ownership, assignment of the debt, the repossession sale records, application of sale proceeds, deficiency balance calculations, and a complete accounting of how the reported amount was determined. Based on my review, the reported balance appears inaccurate, and I have been unable to obtain sufficient documentation to validate the debt. I am requesting a thorough investigation and correction or removal of any information that can not be verified with supporting records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
I sent Eaton Group a certified mail request for validation of this account on XX/XX/year>. Eaton Group forwarded my request to XXXX XXXX XXXX. XXXX did not provide proper validation. Instead, they sent the same documents they previously mailed months ago and re dated the first page to XX/XX/XXXX. This is not new validation, not responsive to my request, and does not meet FDCPA 809 ( b ) requirements. The packet they sent contains generic boilerplate documents ( bill of sale, affidavit, and old statements ) that do not show : proof of ownership of my specific account, a complete chain of title, an itemized accounting, a contract with my signature, or any documentation linking the data file to my personal account. This is not proper validation. It is a recycled packet with a new date added. I disputed this account with XXXX on XX/XX/year>. XXXX responded with the generic phrase validated and accurate. On XX/XX/year>, I mailed XXXX a Method of Verification ( MOV ) request. They responded on XX/XX/year> with one letter addressing four separate MOV requests, again using the same generic phrase validated and accurate, without providing any documentation or explanation of their investigation. Eaton Group did not provide validation or any documentation. XXXX provided only a summary sheet and a copied statement. They did not provide any of the documentation required under FDCPA 809 ( b ). This was the only response I received from them. XXXX did not perform a reasonable investigation. They did not provide documentation, did not address my requests, and only repeated validated and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
The collection agency FCR Services is attempting to collect on an unverified, fraudulent corporate charge from XX/XX/year> that is currently under an active executive escalation with XXXX 's legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Figure Technologies, Inc
State: CA

Complaint narrative:
I made a {$130000.00} payment by wire transfer on XX/XX/XXXX. As of today, XX/XX/XXXX, it does not appear on my account. I wrote to Figure Lending by clicking on an email address on their website last night. No answer. Today, I called the number on their website and was only hold for XXXX minutes before I had to hang up. I tried again and as of this moment I have been on hold for XXXX XXXX and XXXX XXXX and counting. This is absurd, and terrifying, since we are constantly warned about wire fraud. Wire transfers should be credited and posted immediately! And someone has to answer the phone within a reasonable time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2026, a third-party debt collection agency initiated collection efforts against me via text message, alleging a debt of {$210.00} under Reference Number XXXX on behalf of the original creditor, Crunch Fitness ( XXXX XXXX XXXX. This text message was the first communication of any kind I ever received regarding this matter. This alleged debt is entirely invalid and non-existent. The underlying gym membership was officially canceled and resolved nearly a year prior. Specifically, on XXXX XXXX, 2025, an XXXX XXXX XXXX for XXXX XXXX confirmed in writing via corporate email that the membership was canceled effective immediately. Furthermore, on XXXX XXXX, 2025, the same corporate manager confirmed in writing via email that a full refund was being processed to the original payment method, leaving the account at a XXXX balance. Because the corporate office officially canceled the membership without penalty and fully resolved the account in XXXX 2025, there is absolutely no legal basis for any subsequent billing or collection action. The original creditor committed a severe administrative error by transferring a non-existent balance to a third-party debt collector. On XXXX XXXX, XXXX, I sent a formal written dispute and debt validation demand to the collection agency via email, providing the full corporate email chain from XX/XX/XXXX as irrefutable evidence of cancellation and full resolution. I am submitting this complaint to ensure that the collection agency immediately ceases all collection activities, refrains from reporting inaccurate or fraudulent data to any credit reporting agencies, and permanently closes this file. I consent to having this description published to warn other consumers about these predatory corporate billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: GA

Complaint narrative:
As the attached document will attest, almost all money paid into XXXX lXXXX has went to fees. A supervisor indicated that the XXXX XXXX business model was to take fees asap, which i was led to believe in the beginning would be spread out, they are taking almost all money deposited for fees before anything else is done, and actually done almost nothing to earn fees, and nothing to help me. The XXXX was originally XXXX, the negotiated for XXXX, and took a fee of approx XXXX, so basically not helping me, snd charging more than XXXX for 5 minutes of work.....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
APPLE CARD/GS BANK USA Account number XXXX Account type Credit card Responsibility Individual Interest type - Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1000.00} Highest balance {$3000.00} Terms - On record until XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 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: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Two transactions on XX/XX/year> totaling {$46000.00} were drafted from my account in Hancock Whitney Bank to an unknown XXXX XXXX XXXX account. Hancock Whitney Bank has told me they are not responsible due to not reporting the fraud within 24 hours. The fraud was reported promptly within three days of the incident. XXXX XXXX XXXX was contacted and will not help due to not having an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
A debt collection law firm violated 15 U.S.C. 1692g ( b ) on XXXX separate accounts by filing civil lawsuits while written disputes were actively pending and validation was incomplete. ACCOUNT XXXX Alleged balance {$7800.00}, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : My written dispute was delivered to the collector on XX/XX/year>2026 at XXXX AM via XXXX Certified Mail with signature confirmation. The collector filed suit on XX/XX/year>2026 exactly 6 days later while the validation period was actively pending. Their validation response contained only XXXX of XXXX requested documentation categories. ACCOUNT XXXX Alleged balance {$4600.00}, XXXX XXXX. XXXX, same court : Same written dispute delivered XX/XX/year>. Collector prepared lawsuit documents XX/XX/year> ( 12 days after receiving dispute ) and filed suit XX/XX/year> ( 31 days after dispute ) while validation remained incomplete. XXXX separate responses each provided only account statements XXXX of XXXX requested categories. Additional violations : Collector used incorrect consumer address in XXXX separate written communications despite original creditor having correct address on file. Collector claimed a balance {$110.00} higher than the amount the original creditor confirmed in writing violating 1692e ( 2 ) ( A ). All violations are documented with certified mail confirmations, signed receipts, court records, and written creditor correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I am filing this complaint against I.C. System, Inc. regarding a collection account for Reference No. XXXX, originally owed to XXXX XXXX XXXX , in the amount of {$200.00}, currently reported on my XXXX credit report. On XX/XX/year>, I sent a written Pay for Delete request to I.C. System, Inc. via USPS Certified Mail with Return Receipt Requested. As of the date of this complaint, I have received no response no acknowledgment, no agreement, and no denial. I am requesting that the CFPB investigate I.C. System, Inc. 's failure to respond to my written correspondence. I am also requesting that I.C. System, Inc. be required to validate this debt in writing or permanently delete this account from all three major credit bureaus XXXX, XXXX, and XXXX. I have also filed a direct dispute with Experian regarding this account. I am seeking resolution of this matter and removal of this collection account from my credit report.

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