vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I was at XXXX XXXX and was told about a loan to upgrade my XXXX It's through bread XXXX I asked the employee if there would be a problem with me pushing the due date out by XXXX days because I only get XXXX XXXX a month. I'm XXXX. He told me there should be no problem with me calling and moving the date by XXXX days. When I called they told me they could not move the date by XXXX days that they couldn't move it at all, and that after XXXX hours every month I would be charged a {$25.00} late fee. {$25.00} after being XXXX day late. I was never told any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
Account was charged off and sold to a debt collector. Process was challenged. Still reporting negative on my credit report.

Prove chain of debt or delete it from my credit report.

Jefferson Capital acknowledged and closed their file. It is unclear if XXXX will close their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the debt referenced above. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following : The amount of the alleged debt, including an itemization of any interest, fees, or other charges The name and address of the original creditor Copies of any documents bearing my signature that show I agreed to assume responsibility for this debt Proof that you are licensed or authorized to collect debts in my state Proof that the statute of limitations has not expired on this debt Until you provide the requested verification, please cease all collection activities and do not report this account to any credit reporting agency. If this account has already been reported, please note that it is disputed.

This request is not an acknowledgment of responsibility for the alleged debt.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I had a kitchen install from XXXX and I paid all the bills as they came in. A couple of months later after the kitchen was installed I notices a charge of {$2700.00} show up on my statement from Lowes. I called to inquire what that charge was for, again since I paid as the bill accumulated. Lowes customer service didn't know so they shifted me to Synchrony. Synchrony started an investigation, which I am unsure what they did as I did not get a report from them. The charge disappeared from my statement for a month. Now in the XXXX statement it has shown up again. I spoke with the woman who is in charge of my kitchen installation and she reported that she did not see a charge for {$2700.00}, and that any charges for the kitchen would have to be signed by me. She then routed me to another department and the woman could not tell me what the charge was for. The woman ( sorry but I have spoken to so many departments I lost tract of what their name was ), then went to her manager. The manager told her to tell me it was an " install bill ''. What????? As stated above : " That any charges for the kitchen would have to be signed by me ''. I did not authorize an additional {$2700.00}. Also, my kitchen is still being worked on due to things either they did wrong, or didn't install as they were supposed to on the final agreement. So I should not be charged for the : wrong molding that they had to re-order, the new baseboard that they put in wrong and damaged, the times they came out to check the damage etc.

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 2026-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
For the past XXXX weeks, I have been actively communicating back and forth with MOHELA in writing regarding my private student loan, which carries a very high interest rate and has become increasingly difficult to manage. My goal has been to obtain clear, complete, and accurate written information about any repayment, hardship, or payment-reduction options that may be available. 

Throughout this two-week period, MOHELA has repeatedly insisted that I must communicate by telephone in order to receive all available repayment or hardship options. I have clearly and consistently stated that I will only communicate in writing. Despite this, MOHELA continues to pressure me to call and has refused to fully disclose options in writing. 

MOHELA has not identified any policy, contractual provision, or legal requirement that mandates telephone communication as a condition for accessing repayment options. This refusal to provide written disclosures is particularly concerning given the high interest rate, which continues to accrue while I am unable to review my options in a documented, transparent manner. 

This ongoing pattern of conduct over the past XXXX weeks has interfered with my ability to make informed financial decisions, maintain accurate records, and understand the long-term financial impact of this high-cost loan. Conditioning access to repayment information on a phone call creates unnecessary pressure and limits accountability. 

I am not refusing to cooperate or resolve my account. I am requesting reasonable written communication only, which is necessary due to the complexity, financial consequences, and high interest associated with this private student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I requested an extension on the payments, They agreed to add 2 payments of XXXX.But they are charging XXXX Due now and XXXX due on XX/XX/XXXX. Plus extended my term by 2 months. The paperwork says they dont charge for the extension and yet they do. BTW, Ive called multiply times and their reps speak terrible english. making it very difficult to explain anything. AND, my online account shows nothing about the extension and I am worried they will report a late payment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Card opened, never used, balance consists solely of annual fees, interest, and penalties. I contacted AmEx upon discovering the balance. Only a partial credit was offered. Im requesting full fee reversal and closure in good standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
I kept getting mailers telling me to refi my FHA loan with Freedom Mortgage, the company that bought out my home loan after closing. I finally reached out to them to get more information, the mailers were promising a lower interest rate and monthly payment. 

The person I spoke to said the benefit of the streamline process was to bring the loan wholly under the finance company, and to relay some savings to me as the borrower. I was told my monthly payment would decrease by ~ {$80.00} and my interest rate would decrease by XXXX XXXX. I was also told someone would be in touch to go over everything before I would schedule the closing. I missed that call. I was still allowed to schedule the closing. 

At closing I was informed I was expected to provide ~ {$1000.00} in closing costs that day. I was never informed of this since I never connected with a loan XXXX. I also found out that my monthly payment would be increasing by ~ {$50.00}. I contacted the loan company, and told them I was not interested if I had to pay anything to refinance. They sent the loan back to underwriting. 

I get paperwork back and I am able to speak with a loan XXXX this time, and there are still ~ {$500.00} closing costs. This happened again, but this time the loan comes back with ~ {$3700.00} in closing costs, an interest rate increase of XXXX XXXX, and still with the monthly payment increase of ~ {$50.00}. 

I asked them what my incentive was in all of this if I have to pay to XXXX, my interest is increasing because they are taking so long to make this work, my monthly cost is increasing, and I only get to skip XXXX payment. They did not answer the question and said they would send the paperwork back to underwriting again. I have now been contacted because I did not see the new loan paperwork XXXX  days later. I am looking at this paperwork, and the interest rate has gone back down to XXXX XXXX which is the requisite XXXX XXXX lower for a streamline loan. The closing cost are still {$2700.00}. The monthly payment is still increasing by ~ {$50.00}. And I have not received any answer on what incentive I would be getting out of this refinance. 

I don't know if they have broken any rules here, but briefly reading about the XXXX XXXX XXXX requirement, it seems like something might be off. And the fluctuating closing costs and sense of urgency ( they contacted me to tell me my interest rate was expiring soon ), all feels predatory.

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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: DailyPay, Inc
State: FL

Complaint narrative:
On XX/XX/year> I filed a claim against a merchant in the amount of {$590.00}. 
I was told while filing that claim that a provisional credit would be applied to my account within 10 days. I was told that I needed to return the form and wait for my provisional credit. On XXXX XXXX I contacted the company to inquire why I had not received the credit. I was informed that the credit is scheduled to be deposited on XXXX XXXX. I was not given an explanation why. Today is XXXX XXXX I reached out to the bank and when speaking to the agent XXXX I was informed that he did not see a scheduled deposit and that with today being the deadline the font gave any other information regarding the credit. I asked to speak with a supervisor regarding conflicting information and was informed that I would need to wait 48 hours because there are none available. I asked for information regarding a corporate number or anyone high up and was told there is no one else that can assist me and that they apologize for the misinformation and that I could not do anything further. 
This is causing me extreme hardship because this was my earning for the week that I attempted to withdraw and my card declined. On several occasions my card with this company will decline when I had money available and in return the money would go missing. Now this bank is refusing to replace the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: TX

Complaint narrative:
I received a test message back in XXXX to dispute by XX/XX/year>. I sent the dispute letter certified mail and it was received by the company National Recovery Agency on XX/XX/year> and they falsely reported the debt to the credit bureaus without sending me any validation that I requested and I want it removed until the company can properly provide me the validation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: FL

Complaint narrative:
NATCREADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research NATCREADJ 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Best Buy Credit Card via Citi - From the outset of each promotion, I enrolled in Best Buy/Citis suggested autopay option and made all payments on time. At no point was the account delinquent. I reasonably relied on the recommended autopay configuration to manage the promotional balances in good faith. 

Despite consistent payments, when the promotional periods ended in XXXX XXXX deferred interest totaling {$2100.00} was applied to my account in a lump sum, far exceeding The {$1700.00} that was still owed on the card from {$5100.00} of purchases. According to my statements, these charges were applied across : * {$1700.00} * * in deferred interest on a {$3800.00} promotional purchase * {$360.00} * * in deferred interest on a {$550.00} promotional purchase * {$89.00} * * in deferred interest on a {$120.00} promotional purchase Citi/Best Buy will not change this and I believe has mislead me. I feel that I am not responsible for any interest other than the {$2100.00} interest going forward after the promotional period ended.

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 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
I was in XXXX de XXXX, XXXX. I was using my phone and I was near XXXX XXXX as I was waiting for my XXXX. Someone on a motorcycle came by and stole my phone while it was open. Within XXXX hours, they had gotten into my XXXX account online and managed to zelle out XXXX dollars out of my account ( XXXX payments of XXXX dollars ). I had called XXXX and they frooze my account before any more money could be sent out. I then filed a police report of the incident ( images included ). 

XXXX initially looked into this and denied my dispute, so I followed with the email below : " I am writing to formally appeal the denial of my dispute regarding an unauthorized XXXX transfer of {$1000.00} on XX/XX/year>. My mobile device was physically stolen in a robbery in XXXX de XXXX, XXXX. The transfer in question was initiated by the thief, not by me. Under Electronic Fund Transfer Act ( Regulation XXXX ), XXXX XXXX XXXX ( m ), an " unauthorized electronic fund transfer '' is defined as a transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer. 

Your denial of this claim on the basis that " security credentials were used '' is a misapplication of the law. The CFPB has clarified that transfers initiated by a person who obtained a consumer 's device through theft or force are unauthorized. 

Attached is the police report from the XXXX de XXXX authorities ( XXXX de XXXX ) confirming the theft of the device. 

I am requesting that you : XXXX. Keep the investigation open. 
XXXX. Provide me with the " documents and evidence '' relied upon to deny my initial claim, as required by XXXX CFR XXXX ( d ) ( XXXX ). 
XXXX. Issue a provisional credit while the re-investigation is pending. 

If this is not resolved within XXXX business days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( XXXX ). '' XXXX XXXX has since responded and they have still denied my dispute as they don't see anything wrong with the zelle transactions. 

I make more than this in interest payments from XXXX and I have good stable income. This has been a huge inconvenience ( account frozen while in XXXX for XXXX weeks, needing brand new account numbers, hours coordinating via email and phone with XXXX support ) and not something I would make up for XXXX dollars. I am frustrated with XXXX 's inability to make the situation right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding Robinhoods improper denial of a fraud claim involving approximately {$10000.00} in unauthorized credit card transactions, despite timely reporting, law-enforcement documentation, and evidence of geographic impossibility.

Background and Timeline : My credit card was lost and reported as such on XX/XX/year> Unauthorized transactions subsequently appeared on my account The transactions occurred in XXXX, while I was physically present and working in New Jersey, USA. I did not authorize these transactions, did not authorize any third party, and did not benefit from them. Upon discovering the issue, I immediately reported the card lost, disputed the transactions, and cooperated fully with Robinhoods investigation.

Police Report and Procedural Prejudgment : Robinhood advised that failure to provide an official police report by XX/XX/year> would result in denial of my claim.

I Filed a police report promptly Provided Robinhood with the police report number and officer details on XX/XX/year> Clearly advised that the finalized report could not be released earlier due to standard law-enforcement processing timelines.

Despite this, Robinhood denied the claim on XX/XX/year>, the exact stated deadline, before the official report could reasonably be obtained. This demonstrates that the decision was prejudged based on an internal deadline, not evaluated on the merits.

The finalized police report, once issued, confirms the incident was reported as theft.

Improper Burden Shifting and Lack of Transparency : Robinhood has stated there is insufficient evidence to substantiate fraud, while refusing to identify any evidence showing that : I authorized the transactions I benefited from the transactions I authorized another individual I was present at the transaction locations Instead, Robinhood relies on undisclosed internal data and refuses to explain how liability was assigned to me, while holding me responsible for approximately {$10000.00}.

Failure to Issue Replacement Card : Despite reporting the card lost on XX/XX/year>, Robinhood failed to issue a replacement card for an extended period and has refused to explain why. This raises serious concerns regarding post-notification account handling and mitigation while unauthorized transactions were under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Block, Inc.
State: TX

Complaint narrative:
I waited over a month for a replacement card from Cashapp I called several times and was told it is on the way. The end of XXXX I spoke to a live agent who asked my age, which is XXXX. She said the reason I am not getting a replacement card was I am over their age limit but I could continue to use their services. I told her that is discrimination and I cancelled my account. But I did want to let your know about the discrimation which should be against the law!!! My name on Cashapp was $ XXXX, my age in which I started using the app.

Company response to consumer: Closed with explanation