vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I purchased an engagement ring through a XXXX XXXX XXXX plan in approximately XX/XX/year>. I intended to pay for the ring at time of purchase, but the sales clerk aggressively pushed this financing plan. I have never missed a payment and I have maintained the account in good standing. At the time of purchase, I did not understand that the financing was structured as deferred-interest financing where substantial retroactive interest would be charged from the original purchase date if any balance remained after the promotional period expired. I was led to believe it functioned more like a standard promotional installment plan. I also did not receive monthly statements at my residence warning that the promotional expiration date was approaching. After discovering approximately {$3000.00} in retroactive interest charges, I immediately contacted customer service multiple times seeking a reasonable resolution and even offered to promptly pay the remaining principal balance in full. Despite my excellent payment history and good-faith efforts, no accommodation or meaningful review was offered. We are requesting a goodwill review and reversal or substantial reduction of the deferred interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
am requesting validation of this debt under FDCPA 809 Please provide the original creditor name full payment history signed agreement and proof I am legally responsible If unable to validate remove this account immediately from all credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I have a vehicle a XXXX XXXX XXXX finance XXXX XXXX XXXX. My maturity date was XX/XX/XXXX. However, I have been making payments monthly payments although I have reached my maturity date. I am now sitting in my vehicle while on a tow truck to be towed although I made a payment this month on XX/XX/XXXX. This is happening because I am now down to {$4900.00} on the {$40000.00} payment that I had to pay this truck off and they are now making an attempt to steal the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
In XXXX, I had defaulted on a credit card debt after I was severely hurt from a on the job injury. In XXXX, I contacted LVNV funding XXXX times requesting a debt of validation from the debt collector. I never received it. By law, they are required to respond and send out a debt of validation letter by law. They violated my rights by not responding. I eventually gave up on it. I did not agree with the balance owed. In XXXX, XXXX, I received a summons from another debt collector attorney stating I am being sued. It wasn't until they decided to sue me before they decided to cooperate and send me a debt of validation letter which I still dispute the amount owed. My credit limit exceeded over {$1000.00} of what they are asking in fees alone. Weather the balance is correct or not, the violated my rights as a debt consumer by refusing to send me out a debt of validation letter until after the fact. prior to receiving this summons, I have received absolutely nothing regarding information about this debt. That was unlawful. In addition to that, they also violated my rights by not allowing me to respond to the summons. By law, I have legal rights to respond in writing regarding this summons, they did not allow me to respond. That's also a violation of my amendment rights. This was a tactic to get a judgement against me without being able to respond, or to protect myself. They violated my rights by not responding to any of my XXXX request for a debt of validation until after the fact. That was criminal. I want to file charges against them for violating my rights. I had legal rights! Also, exactly how many debt collectors/attorneys do they have that own this debt? It's absolutely confusing to know exactly who owns this debt. LVNV funding/ XXXX XXXX Resurgent Capital? There should not be that many creditors on a single credit card debt. I am in the process of filing for bankruptcy regardless, but do not like the way I was treated, or tricked into receiving a summons, or even able to respond to the summons, when I requested a debt of validation from them XXXX times in the past. This was not my fault. This was a tactic so they could get a judgement against me. They also never gave me any type of settlement offers to resolve this debt, they wanted the entire amount owed which I disagree with the amount. Please take my complaint seriously, and file charges against them for violating my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
Last XXXX, cashapp started notifying me that they were closing my account by like XX/XX/XXXX. I was so confused and kept putting tickets in with Cashapp Support and calling them and kept getting the answer of the saw suspicious activity/transactions. Ive had Cashapp for over XXXX years and have never done anything unlawful so I was genuinely confused. Cashapp Support wouldnt tell me suspicious transactions/activity. I appealed numerous of times between XX/XX/XXXX and XX/XX/XXXX and they kept getting denied and they kept telling me the same thing but not going into detail about the suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions denial of my fraud claim involving a XXXX transaction totaling {$1500.00}. I was the victim of an impersonation and social engineering scam conducted through a hacked or fraudulently used XXXX account belonging to someone known to me. The scammer used emotionally manipulative details involving real family tragedy, including the loss of the account owners oldest daughter to childhood XXXX XXXX, to make the scam appear authentic and trustworthy. I was instructed to send a refundable deposit through XXXX to hold a vehicle that ultimately did not exist. Navy Federal denied my claim on the basis that I authorized the transaction. However, the authorization was fraudulently induced through impersonation and material misrepresentation. I respectfully request a reopening and supervisory review of this investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding my financing account with Zales because I believe I was misled about the promotional financing terms and unfairly charged excessive interest. I made purchases through a promotional financing plan with the understanding that I would not be charged interest if the balance was paid within the promotional period. Unfortunately, after the promotional period ended on XX/XX/year>, I was charged approximately {$900.00} in deferred interest at an extremely high rate of nearly 38 %. At the time, I had recently been sick and was unable to make the payment before the promotional deadline. However, I was never clearly informed that missing the deadlineeven by a short periodwould result in retroactive interest being applied to the entire original balance. Had this been properly explained, I would have handled the account differently and paid the remaining balance sooner. After noticing the charge, I contacted Zales customer service to request assistance and asked whether the interest could be waived as a courtesy since I am willing to pay the remaining balance in full. I explained my circumstances and expressed that I have been a valued customer, but I have not received a satisfactory resolution. I believe the financing terms and deferred interest consequences were not adequately disclosed or explained in a fair and transparent manner. I am requesting that Zales review my account and consider removing or reducing the excessive interest charges added after the promotional period ended. I would appreciate a fair resolution and clearer communication regarding promotional financing terms for consumers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> at approximately XXXX AM, I deposited {$1000.00} cash into my Chime account at the XXXX location in XXXX, NY. During the transaction, the cashier attempted to run my card multiple times because the deposit was not initially processing correctly. After several attempts, the cashier provided me with a receipt showing that a total of {$1000.00} had been successfully deposited into my account. However, after waiting for the funds to appear and contacting Chime customer support, I was informed that only {$100.00} was deposited into my account. Chime stated that XXXX only submitted a {$100.00} transaction and advised me the issue occurred on XXXX end. At the XXXX location, the cash was counted multiple times by XXXX people, and the full {$1000.00} was confirmed before the transaction was completed. There are also security cameras in the store near the register that should verify the transaction and the amount of cash provided. I returned to the XXXX location and spoke with the cashier involved in the transaction, XXXX, but she stated there was nothing she could do regarding the issue. At this time, I am missing {$900.00} from the cash deposit. I am requesting a full investigation into this transaction and that the missing {$900.00} be credited to my account as soon as possible. I am attaching copies of the receipt, transaction details, and supporting documentation related to the deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am a consumer with over 20 years of perfect, on-time payment history across all other financial obligations. I am filing this complaint against Macy's/CBNA for inaccurate credit reporting , severe billing errors, and unfair collection practices.This account became a matter of dispute due to a recurring billing cycle error. The creditor repeatedly applied multiple, redundant finance fees to a single billing cycle ( up to 3 or 4 extra interest charges of varying amounts ). Each time I called, representatives acknowledged the errors and temporarily 'corrected ' them, only for new, unauthorized finance fees to reappear the following month. My last partial payment was made on XX/XX/XXXX. Because 100 % of my subsequent payments were being diverted to these compounding, erroneous interest charges rather than the principal balance, it became impossible to pay the bill down.When I reached out to Citibank to formally resolve the triple finance fees, the executive representative rudely stated 'the past is the past, ' refused to audit the incorrect charges, and tried to coerce me into a payment plan for the incorrect balance. When I stood my ground and insisted on an accurate bill before payment, the creditor immediately moved the account to a 'Charge-Off ' status as a retaliatory measure. I previously disputed this through the credit bureau, but the creditor simply marked it as 'FCBA dispute resolved - consumer disagrees " without conducting a reasonable investigation.Furthermore, the creditor is intentionally manipulating my credit data to inflict maximum damage on my credit score. I received an official alert from the company on XX/XX/XXXX, stating my current balance was {$11000.00} and that I was within {$20.00} of my limit ( implying a credit limit of roughly {$11000.00} ). However, the creditor reported a completely different balance of {$12000.00} to XXXX as past due as of XX/XX/XXXX, and stripped my credit limit down to {$0.00} on my credit profile to artificially push my credit utilization past 100 % .The creditor has also restricted my digital portal access while offering me new credit and failed to fulfill multiple requests for physical paper statements via mail. They are reporting an inaccurate, inflated balance that they are simultaneously refusing to let me verify. Because the creditor can not maintain accurate billing records or consistent reporting data as required by the Fair Credit Reporting Act ( FCRA ), I am requesting that this entire inaccurate account entry be completely deleted from my credit file.

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 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I purchased multiple XXXX power drills through the buying agent XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I never received any of the merchandise all items remain in their warehouse in XXXX. Their own warehouse videos clearly show dangerous counterfeits ( XXXX instead of XXXX, spray-painted bodies, no grounding wire risk of electrocution and death ). I requested full refunds multiple times, but they refused and only offered partial refunds. I have filed a police report ( Case XXXX XXXXXXXX ) with the XXXX XXXX XXXX XXXX Office and multiple chargebacks with Barclays. Barclays has closed many of my disputes without proper resolution. I request a full refund of all amounts paid, including foreign transaction fees, for every order.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
A representative from my insurance company [ XXXX ] and I called Santander the end of XXXX to receive my pay off. My insurance company was paying my car off after an accident. We verified that all would be well with Santander. My insurance company mailed a check to the address they gave on XXXX, and it still has not been applied. Santander is still requiring payments and charging late fees. The pay off amount was over XXXX and now its only around XXXX. There is another payment due, but it has already been paid off!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I rented a vehicle from XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX location. During the rental transaction, I explicitly declined Loss Damage Waiver ( LDW ) coverage and informed the rental agent that I carried my own personal automobile insurance coverage. I also presented proof of insurance at the counter. All discussion regarding insurance coverage was verbal. I did not request, authorize, or knowingly agree to purchase LDW coverage. I was instructed to complete the transaction by signing a digital tablet ; however, the device did not display a fully reviewable rental agreement or clearly disclose optional charges before signature. I was not provided a meaningful opportunity to review the final contract terms, verify selected coverages, or confirm pricing details prior to signing electronically. After the transaction was completed, I discovered that {$170.00} in LDW-related charges had been added to my final bill despite my explicit verbal refusal of that coverage. I disputed the charge with Capital One and explained that the issue was not whether an electronic signature existed, but whether informed consent and affirmative authorization for optional coverage had actually been obtained. I explained that the rental agreement was not reasonably reviewable before signature and that I was never clearly shown or asked to approve LDW coverage. Capital One denied my dispute after relying on the merchants documentation without adequately addressing whether the optional coverage was knowingly authorized. I requested evidence showing affirmative acceptance of LDW coverage, including documentation demonstrating that the agreement and optional charges were visible and reviewable before signature, but the dispute was still denied. I am requesting that Capital One reopen and properly investigate this dispute. Specifically, I request review of whether the merchant obtained valid authorization for optional LDW coverage and reversal of the {$170.00} charge if informed consent can not be demonstrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I ordered a dog cage from XXXX. It was delivered, I set it up, and It is not sturdy. My dog gets out of it and has already bitten my neighbor 's dog because it doesn't hold him. I tried to return it with XXXX because it was free returns and they would not return it. They gave me a {$50.00} partial credit and told me to keep it. It does mean no good. I disputed it with my bank which is Truist Bank and they denied my claim. They did not allow me to submit any evidence on my behalf including the chats transcripts of me trying to return it. It took them almost 2 months and they didn't deny my claim until the day after I called them to find out what was going on with it. They are saying that they denied my claim because I purchased the merchandise, which is true, but that wasn't the reason for my claim It was because XXXX wouldn't return a XXXX lb dog cage. I called my bank today after I seen on my app that it was denied. They never called me, they never sent me a letter, they never notified me in any way that it was denied. They will not allow me to provide proof, appeal it, or escalate it.

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 2026-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
My husband and I are waiting to close on a home financed by Navy Federal Credit Union. He is a XXXX XXXX and has a NFCU account. I am an additional authorized account member. I require my own savings account and full membership to be on the home loan. I submitted my account request on XXXX and was denied. I resubmitted on XXXX while on the phone with customer service and was again denied. At my loan officers advice I submitted an appeal to an email address on XXXX but havent heard back. This is the only thing holding up the closing of our home, and may cost us additional money if we have to find an alternative living arrangement while waiting to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation