vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been on auto pay since XXXX Paying back more than the minimum on time every month. I set it on automatic pay so that I do not have to monitor it. 
I looked at my credit statement today for the first time in a while and see that they charged me multiple past due balance fees of over XXXX dollars added up. Auto pay was still active and current. 
Apparently they changed the minimum amount due.How am I supposed to know??!! 
I asked them to credit back the late fees please and I would gladly pay them the difference and adjust my monthly payments to meet the requirements. They said they could only credit back 1 of them. 
I believe this is robbery. And accuse them of it as I was not sufficiently warned that the payment was going up. The amount is small but the principal of the matter is that they are taking extra money from good paying honest customers. They are stealing from me and I believe thats a criminal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Hello. An unpaid dept from First Tower Loan of XXXX was filed with XXXX XXXX XXXX XXXX of XXXX. My wife and I were told that payment could be made to keep things from going any further. Payments were made throughout XXXX between XXXX and XXXX a month. In XXXX of XXXX a garnishment was filed with my wife 's employer with a breakdown of principal, interest, and fees.The total was {$6000.00}. Principal {$2600.00}, Interest {$1700.00} and fees. The total amount of this garnishment was pay from my wife 's pay from XXXX through XXXX of XXXX. A second garnishment with the same company for a smaller amount was filed in XXXX of XXXX. This garnishment has little information, just an amount of {$1200.00}. 

In XXXX of XXXX a garnished was filed with my employer. The break down of this garnishment has the same principal {$2600.00}, Increased interest XXXX, and increased fees. Total of {$7100.00} This garnishment is still in effect. 

This garnishment filed with my employer will be paying the same account twice, with increased interest due to the time difference. I have contacted the law firm that filed the garnishments ( XXXX, XXXX and XXXX ) and was told that until the account was paid in full they could keep garnishing. I was also told by them that the fees were estimates. Even if this is the case it would not explain a second garnishment from my wife 's employer and a garnishment filed with the same starting principal for my employer. 

They may have had a right to file for garnishment while payments were being made and it looks like those payments were deducted from the principal amount. It does not explain both of our pays being garnished for the same thing. Maybe just to get attorney fees? 

Thank you.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am not certain, but I believe funds are not being disbursed into my checking account as legally verified by banking authorities.

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/2026, I checked my American Express account and confirmed that I had a points balance available for travel redemption. My most recent statement shows a balance of XXXX points. During a chat with American Express, I was informed that travel redemptions were available at a rate of XXXX points for {$100.00}, which meant I had more than {$600.00} in travel credits available. 

Relying on the points balance and redemption rate shown in my account at that time, I purchased XXXX  from XXXX XXXX on XX/XX/2026. The purchase consisted of two transactions of {$340.00} each. My intention was to redeem my points against these travel charges. 

American Express later changed my card program effective XX/XX/2026. I did not receive the new card prior to this change. Under the new program, points are either no longer redeemable against travel charges or are redeemable at a lower rate than the one in effect on XX/XX/XXXX. 

On XX/XX/2026, when I attempted to redeem my points against the XX/XX/XXXX travel charges, the points were no longer available for redemption under the prior terms. American Express informed me that they are unable to honor the redemption because of the program change, even though the purchase occurred before the change took effect. 
I am disputing the retroactive application of the XX/XX/XXXX program change to a purchase made on XX/XX/XXXX in reliance on the points balance and redemption rate shown at that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XX/XX/year> Midland Credit Managem XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX Re : Account Number : # XXXX To Whom It May Concern, This letter is sent in response to your reporting and/or communication regarding the above-referenced account.

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I dispute this debt and formally request full validation.

Please provide the following : 1. The name and address of the original creditor 2. Proof that I am legally obligated for this debt 3. A copy of the original contract or agreement bearing my signature 4. An itemized accounting of the amount claimed 5. Documentation showing your legal authority to collect or report this debt Until proper validation is provided, you must cease all collection activity and reporting of this account to consumer reporting agencies.

Failure to comply will be documented and may result in complaints filed with the Consumer Financial Protection Bureau and other regulatory agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is holding approximately {$14000.00} in confirmed XXXX XXXX  benefit funds on an XXXX debit card account. There is no active fraud block and eligibility was resolved in the claimants favor by a final XXXX XXXX XXXX ( XXXX ) decision. 

Bank of America denied release of funds based on alleged association with a XXXX XXXXXXXX and is demanding verification from XXXX that the XXXX XXXX was not associated with the claimant. XXXX does not issue negative-association verification, making this an impossible requirement. 

The claimant has already submitted sworn, notarized affidavits and identity documentation. Despite this, Bank of America continues to withhold funds without providing a lawful or obtainable alternative verification method. 

This constitutes improper withholding of funds and failure to provide reasonable verification alternatives. We are requesting immediate executive compliance review and release of funds, or provision of a valid alternative verification process.

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 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I owed {$830.00} to Sentry Credit. I called in, paid {$100.00}, and set up a payment plan. Then I continued to receive emails stating that I still owed {$830.00}, even though they pulled the {$100.00} from my account. I called them on Wednesday ( XX/XX/XXXX ) to figure out what was going on and was told that the payment plan wasn't set up but that the {$100.00} went through even though the emails I received did not reflect that. While on the phone, they offered to settle the rest of the debt for {$420.00}. I agreed, gave my payment information, received a payment confirmation number, and the money was taken out of my account for the agreed amount. 

Today ( XX/XX/XXXX ), I get an email from Sentry Credit STILL saying that I owe {$830.00}. I immediately called and was told not only do I stilll owe over {$300.00}, but that the account is under review. I have tried to resolve this several times and this company continues to lie and harass me via email.

All of their calls are recorded. Please review the phone call that was made by my phone number ( XXXX ) XXXX on Wednesday XX/XX/XXXX at XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby demand that you cease and desist all communication with me immediately regarding the above-referenced account.

This includes, but is not limited to, all phone calls, emails, letters, text messages, and contact through third parties. You are instructed not to contact me at my residence, workplace, or by any electronic means.

You may only contact me to confirm one of the following : 1. That you will comply with this request and cease all communications ; or 2. That you intend to invoke a specific legal remedy, if applicable.

Any further communication beyond these limited purposes will be considered a knowing and willful violation of federal law and may be documented and pursued accordingly.

This letter is not an acknowledgment of any debt, nor is it a refusal to pay. It is a request for compliance with federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I am filing a complaint regarding MOHELAs failure to issue a confirmed refund following Public Service Loan Forgiveness ( PSLF ).

My federal student loans were fully forgiven under PSLF with an effective forgiveness date of XX/XX/XXXX. MOHELA confirmed in writing in XX/XX/XXXX that my account had a credit balance of {$5000.00} and that this amount would be refunded to me. I was informed that refunds typically take 90120 business days and are issued by the U.S. Department of Treasury. 
It is now XX/XX/XXXX, well beyond the stated processing timeframe. Despite multiple follow-ups, I have not received the refund. In a subsequent response, MOHELA stated that my account had been sent for manual review and that the request was expedited, yet no refund or substantive update has been provided. 
My mailing address has been verified by MOHELA, and there is no remaining loan balance. The refund amount has already been acknowledged and approved in writing.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 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: VA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I provided a local bank cashiers check to 5/3 bank with an {$8500.00} overage to pay off a vehicle loan. I was informed by the bank teller at that time, they would provide my funds via mail within 10 business days. On XX/XX/XXXX I called 5/3 @ XXXX and they stated the loan account was not closed until XX/XX/XXXX and that the overage check was released on XX/XX/XXXX and that I must wait until XX/XX/XXXX to call them. 

After calls to XXXX on XXXX XX/XX/XXXX with the same response, I went to the bank on XX/XX/XXXX to have them cancel and re-issue the check. I was told by XXXX XXXX they will not cancel any checks sent to me via mail and I must wait for the check in the mail, and if i do not receive it I can call them. I requested to speak to a regional manager, and XXXX XXXX called to inform me they would not re-issue any payment and would not provide me my funds. I asked for their policies in writing and he refused to provide any such documentation. I informed XXXX XXXX I would be filing a complaint with the CFPB and FDIC and he was unconcerned. XXXX XXXX stated they have no manual process for performing banking tasks in the event of an issue such as a check re-issue. Fifth Thirds inaction and refusal to re-issue a check owed to me has impacted my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
This debt does not belong to me. i have requested a bill statement or any other proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
In XXXX XX/XX/XXXXI went to the bank to get a loan. At that time i was notified of several fraudulent claims at that time on my credit report. I immediately made fraud claims to those companies. Michael 's never responded back with the fraud claim. I Was called by Michael 's saying that I owed the balance of {$630.00} and then I needed to make payment arrangements. At that time, I turned in a fraud claim for this bill. Then it was sold to XXXX credit, and at that time, they said, if I didn't pay the balance that I would be taken to court. I received a summons to appear in court on XXXXThe XX/XX/XXXXXXXX XXXX XXXX. I was asked if I agreed or disagreed with the claim and that that time I told him that this was a fraudulent charge on my credit, and I disagreed. Then the court stated that i had to write a statement about the fraud, and then they had to set it up for pretrial. I then appeared again at the pretrial. They said that they had read my statement and that I needed to refile a fraud claim to XXXX credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
This letter is being sent to you in response to : check one ( XXXX ) -notice sent to me on XXXX response to a listing on my Credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to the above named XXXX and XXXX. I respectfully request your office provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practice Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX  days from the date of the receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-23 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: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Company : Nelnet Product : Student Loan Issue : Incorrect information on credit report / Loan servicing transfer Complaint Description I am submitting this complaint regarding inaccurate delinquency reporting following a student loan servicing transfer from Great Lakes to Nelnet. 

My student loans were originally serviced by Great Lakes. At some point, servicing was transferred to Nelnet. I did not receive clear, timely, or adequate notice of this transfer. 
When I began receiving communications from Nelnet requesting payment, I was uncertain whether the contact was legitimate due to the prevalence of student loan fraud and scams. 

Because of this lack of clear notice and concerns about legitimacy, my payments were delayed while I attempted to verify whether Nelnet was the authorized servicer of my loans. As a result, Nelnet reported multiple 30-day and 60-day late payments to the credit bureaus.

Once the servicing transfer was confirmed as legitimate, I took immediate action to resolve the account. The delinquencies were not the result of unwillingness to pay, but rather confusion and uncertainty caused by the servicing transfer and insufficient communication.

I am currently seeing approximately eight 30-day late marks and eight 60-day late marks reported on my credit file as a result of this issue.

I am requesting the Nelnet review the service transfer, notification process, and payment history and correct or remove the delinquency reporting associated with this period, as it does not accurately reflect my intent or ability to repay and was caused by servicing transfer issues outside of my control.

I am seeking correction of my credit reporting to reflect the circumstances surrounding the transfer and lack of proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
last reported on XX/XX/year>, with Credit Collection Services acting as the collection agency and XXXX XXXX and XXXX XXXX XXXX as the original creditor.

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