vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing this complaint regarding my auto loan account with Navy Federal Credit Union. In XX/XX/year>, I entered into a credit counseling/payment assistance arrangement with XXXX XXXX XXXX As part of that arrangement, my payment was deferred and rolled to the end of the loan term. I was under the understanding that this adjustment would not negatively impact my credit reporting, as the payment was formally modified and not considered delinquent under the agreed terms. However, Navy Federal assessed and reported a late payment to the credit bureaus during this period. This reporting is inaccurate because the payment was not missed it was deferred under an approved arrangement. I have contacted Navy Federal regarding this issue and was advised to dispute the reporting. The late payment does not reflect the true status of my account under the agreed modification. This inaccurate reporting is negatively impacting my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: NY

Complaint narrative:
I called Milestone Credit Card XX/XX/year> regarding a monthly maintenance fee of {$19.00}, when I asked could you be more specific, the agent stated its for maintenance on the card. Again I inquired about the maintenance fee amount and same answer. Also interest rate on this card is XXXX percent. In my opinion these fees and interest rates need to be regulated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
In XXXX XXXX, my mortgage servicer misapplied multiple payments and held funds in suspense as unapplied, resulting in an incorrect amount due. Payments toward the XX/XX/XXXX billing period totaling {$850.00} were received on XX/XX/XXXX ( {$150.00} ), XX/XX/XXXX ( {$450.00} ), and XX/XX/XXXX ( {$240.00} ), yet the servicer stated only {$700.00} was credited and demanded an additional {$950.00}. A billing statement shows an Unapplied balance of {$700.00}. I repeatedly attempted to resolve this directly and requested a clear month-by-month accounting and explanation, but was not provided one and requests to escalate to a manager were refused. Late fees were initially assessed and were only reversed after I persisted ; without that insistence, I would have paid fees that were not owed. On XX/XX/XXXX, I submitted a signed Notice of Error/Request for Information by email and certified mail, but the servicer did not acknowledge receipt within 5 business days ( due by XX/XX/XXXX ). On XX/XX/XXXX, I paid {$800.00}, representing the undisputed remainder of the XXXX payment, while disputing the difference. I am seeking proper application of payments, a clear accounting, and confirmation of the correct balance without improper fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: LA

Complaint narrative:
Validation of Debt Request - MIDLANDCRE XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This message serves as a formal response to your recent XXXX determination regarding my request for additional compensation related to the Bank of America prepaid debit card account freeze. While I acknowledge your position that the documentation provided did not meet your threshold for direct harm during the specified freeze period, I must respectfully challenge the scope and logic of that conclusion. Harm Is Not Isolated to the Freeze It Is Ongoing The assumption that financial harm must be confined to the exact window of fund unavailability ignores the domino effects that followed effects that are measurable, material, and catastrophic : Borrowing funds to survive during the freeze created new debt obligations Missed payments and cascading fees led to credit damage and long-term financial instability Lost job opportunities due to inability to travel, communicate, or meet obligations during the freeze resulted in lost income and career setbacks Families were impacted not just in the moment, but in the months and years that followed To regulate harm as if it only exists during the freeze is to ignore the real-world consequences of financial disruption. The loss did not end when the freeze lifted it began there and continued forward. CFPB Escalation I will be forwarding this matter to the Consumer Financial Protection Bureau ( CFPB ) with a formal complaint stating : That the XXXX review process fails to account for post-freeze harm That the burden of proof is placed unfairly on individuals who were already financially destabilized That the review framework is administratively narrow and does not reflect the lived impact of systemic financial interruption I will also request that the CFPB investigate whether the IRPs harm criteria violate principles of fair compensation and whether the process constitutes regulatory neglect of downstream harm. After making it clear she was going to handle ( XXXX XXXX ) there wasn't any contact between us after responding to the CFPB that she was going to resolve it. I haven't received anything and it's disturbing.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: GA

Complaint narrative:
This is a fraudulent account from South state bank Account info Account name SELF/SOUTHSTATE BANK Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/year> Status Paid, Closed. Status updated XX/XX/year> Balance - Balance updated - Recent payment - Monthly payment - Original balance {$520.00} Highest balance - Terms 24 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: V and H Portfolio
State: TX

Complaint narrative:
Amount owed is incorrect and frequently changing Currently in dispute and they are still trying to collect States that Vance and Huffman is the original creditor and they are not

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding a debt being collected by TekCollect related to treatment from XXXX. XXXX ceased operations and filed for bankruptcy in XX/XX/year>. My treatment was not completed, and I was unable to receive the remaining services that I had paid for. Despite the company no longer operating and the services not being fully delivered, this account has been sent to collections through TekCollect. I believe it is unfair and inappropriate to collect a debt for services that were never completed due to the company shutting down. I am requesting that this collection account be removed and that the balance be canceled. I am also requesting validation of the debt and documentation proving that TekCollect has the legal authority to collect this balance, especially considering the closure of XXXX and the lack of completed treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: MD

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 2026-02-25 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: MA

Complaint narrative:
On XX/XX/year> cash app closed my account for absolutely no reason they claim it was because of suspicious activity and breach of service, but there is no way that I have break in terms of service when I have been using Cash App the same way for the last couple of years so why are they closing my account and when I asked them what is the actual reason and what terms of service that have break they refused to tell me which means that there was no actual reason they are just finding a way to cause my account for no reason this is unprofessional. Are you my account because I have a side business at a hair salon and a Cash App is one of my form of payments so now theres no way I can receive payments from Cash app. The last couple reasons I have used cash app was because someone was sending me money because their car is not working and they sent me their money for me to send that money to them through XXXX XXXX that should not be any fraudulent activity at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
Validation of Debt Request - NATLCRSYS - XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
I am writing to inform you of an urgent financial situation. Earlier today, {$1300.00} was incorrectly removed from my H & R Block Emerald Card account due to a posted XXXX debt charge that I do not owe. H & R Block has confirmed that this charge is invalid, and I have filed a formal dispute under Regulation E with my card issuer. As a result, my account has been emptied, and I am currently unable to make my scheduled payments for [ utility/rent/etc. ]. I am requesting : A temporary credit or extension on my account That no late fees or penalties be applied while this matter is being resolved I expect the funds to be returned promptly through the dispute process and will notify you as soon as my account is restored. I greatly appreciate your understanding and assistance during this financial hardship. Thank you for your attention to this matter. Please confirm receipt of this email and the temporary credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
Several calls throughout the day, at various hours, including weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau requesting assistance regarding a denied request to refund approximately {$270000.00} in federal student loan payments made between XX/XX/year> and the end of XX/XX/year> while my loans were serviced by Aidvantage. During this period, I was attempting to pursue an aggressive repayment strategy. At the same time, I had previously applied for the XXXX XXXX XXXX which was terminated and was placed into administrative forbearance while my application was pending. There was significant confusion and lack of clarity regarding repayment options, processing timelines, and the financial implications of remaining in forbearance. Because interest continued accruing during this time, I felt substantial pressure to act and made unusually large payments in an effort to prevent further balance growth. After further financial planning and gaining a clearer understanding of federal repayment programs, I determined that an income-driven strategy is the most appropriate and sustainable approach for my financial circumstances. I have now been enrolled in the XXXX XXXX XXXX XXXX. A significant portion of the funds used to make these payments prior to being on the XXXX XXXX were borrowed from family members and relatives with the intention of accelerating repayment. As a result, I am now experiencing substantial financial strain from repaying those personal obligations while simultaneously maintaining my XXXX XXXX XXXX XXXX. I formally requested a refund and restoration of these voluntary payments so that my loan balance could be properly aligned with my income-driven repayment plan, including having the refunded amount retroactively placed back onto my loan principal as though the payments had not been made, with any necessary interest recalculated in accordance with federal guidelines. An Aidvantage supervisor denied my request by phone without offering an exception review, hardship evaluation, or a formal written determination explaining the basis for the denial. Given the extraordinary size of these voluntary payments, the administrative forbearance status, and the confusion and pressure present at the time, I respectfully request that Aidvantage and the Department of Education conduct a thorough account review to determine whether an exception, hardship consideration, or other equitable relief can be granted. This matter involves a substantial sum and ongoing financial hardship, and I respectfully request prompt review and intervention. I would be deeply grateful for approval of the requested refund and restoration, as I am currently experiencing significant financial hardship and struggling greatly to meet my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Systems, Inc.
State: FL

Complaint narrative:
I honestly dont even know what else to do at this point. There is this collection account for over a XXXX XXXX that has been showing up on my credit report since around XXXX of last year and I dont recognize it at all. I dont know the company, I dont know where this debt supposedly came from, nobody has explained anything to me, and this whole thing makes no sense. I never opened anything with them and I have no idea why theyre reporting something under my name. I already sent them a letter directly asking for verification because I dont think this belongs to me and Ive attached that letter here too. All they keep doing is sending me useless stuff that doesnt show anything, nothing with my signature, nothing proving its even mine. Ive been going back and forth with them and with the credit bureaus and I am honestly sick and tired of dealing with this. Every time I ask for proof they just avoid giving it and the credit bureaus keep acting like everything is fine when its not. I just want this thing taken off my credit report because I dont know who these people are or where this debt came from and they havent given me a single piece of real verification that links it to me. I dont know why this is still being allowed to report on my credit. Ive already wasted enough time trying to fix it. I need this investigated because they cant prove anything and Im tired of being stuck with something that I dont even believe is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
XX/XX/year>, I made a payment for my mortgage for XXXX. They drafted another payment for XXXX. They stated I enrolled in autopay, which I have never done. I was told it will initially be XXXX days and then XXXX it has been past that and I keep getting the run around. I have supplied them with my bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've been trying to transfer money to XXXX, XXXX, etc .. Wells Fargo keeps blocking all transactions. Not allowing me to protect my money has already cost me {$500.00}. I got a call from XXXX ( XXXX ) XXXX, who tried to blame XXXX for the problem then hung up on me. As far a sI know the problem still isn't fixed, and now, after XXXX XXXX YEARS! I have to find a new XXXX bank. One that isn't going to block my moneyu while letting my wife steal my credit card and charge {$3000.00} behind my XXXX back without one single XXXX notice.. BUT YOU BLOCK ME?!?!

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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MT

Complaint narrative:
I took a cash advance on my Discover Card more than XXXX years ago. I've made a minimum payment on my balance each month without fail. The amount of the cash advance is now more than XXXX times the original amount. It was explained to me that the lower interest balance had to be paid first. Okay. But. There is no way {$1900.00} compounds to {$12000.00} in XXXX years. If you take the original amount and grow it at 28 % for XXXX years then the amount is {$8600.00}. Yes? The Discover agent was unable to explain their methods or math to me. What am I missing?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I had a settlement agreement with First Access Visa, issued by The XXXX XXXX XXXX, that was due on XX/XX/year>. Before the due date, I called to notify the company that my payment would be late due to a delayed unemployment check. During that call, the representative explicitly told me the late payment would be accepted and the settlement would not be voided. Despite this, when I called on XX/XX/year>, I made a partial payment of {$41.00} to show my commitment to honoring the settlement. The representative I spoke with, XXXX ( offshore rep ), told me : Your settlement is null and void. Excuse me? I had already notified them in advance and was acting in good faith. This is completely unfair and unacceptable. The company has proof of my prior call and yet refuses to uphold their agreement, effectively punishing me for doing exactly what I was instructed to do. Additionally, I have an active cease and desist in place, and my mailing address is my P.O. Box, which the company already has on file. Their refusal to honor the settlement while ignoring my partial payment, prior notification, and active legal protections is a clear example of misrepresentation, unfair treatment, and potential violation of consumer protection rules. What I want : 1. Reinstate the original settlement agreement at the agreed-upon amount of {$100.00}, despite the partial payment delay. 2. Apply my partial payment of {$41.00} toward the settlement and confirm the remaining balance. 3. Provide written confirmation of the settlement reinstatement, including the amount due and the deadline for payment. 4. Ensure no additional fees, interest, or negative reporting to credit bureaus result from this delay. 5. Acknowledge that I relied on prior verbal communication from a representative who approved my delayed payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation