vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> I was notified by Navy Federal Credit union that there was an unrecognized charge and if that charge was from me. I quickly responded XXXX to which I was prompted to give them a call. I gave them a called and they notified me that there were multiple other charges in question so we went over those. The total amount of fraudulent charges under up being over {$200.00} which is what I filed the claim for where I also submitted my flight itinerary information to verify I was not in the state when the transactions took place. I spoke to many different agents at XXXX federal and many different supervisors and everytime the claim and appeals claim kept being denied. I keep asking why but they wont tell me. I also spoke to a police XXXX with the fraud department in XXXX XXXX and he advised that I can fill out the police report but it was strictly be for documentation purposes and no one would be assigned to my case. This has been going on for almost a month and I feel its incredibly unfair and frustrating for my claim to be denuded without knowing the reason and as Ive provided sufficient evidence I was not the person that did these transactions as I was in a completely different state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 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: GA

Complaint narrative:
I am currently facing discrepancies with Capital One regarding past due fees that have been charged to my account after its closure. My card is closed, the fees imposed are excessively high and inconsistent {$25.00} and {$40.00} and unjustified.Late Fees were suppose to be capped at {$8.00} I was not told in advance that fees would increase and I paid a large payment in XXXX and was still charged with 30 days and 60 day fees. Due to these charges my account is being reported late, which appears to violate both federal and Georgia laws concerning accurate reporting of closed accounts and credit card fees. Federal Laws : XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : This law requires credit reporting agencies to ensure the accuracy and integrity of the information they report, obliging creditors to report accurate information about closed accounts. 2. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 : This act mandates transparency in credit costs, making it unlawful for creditors to impose unexpected or unjustified fees. 3. Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) - 15 U.S.C. 1666 : This law regulates credit card fee practices and requires that any fee assessments must be fair and disclosed clearly to consumers. Georgia State Laws : 1. Georgia Fair Business Practices Act ( FBPA ) - O.C.G.A. 10-1-390 : This act prohibits unfair and deceptive practices in consumer transactions, which may include charging unreasonable fees on closed accounts. 2. Georgia Credit Card Act - O.C.G.A. 7-1-700 : This law provides regulations on credit card practices in Georgia, ensuring that consumers are protected from disproportionate fees and requiring transparency from credit card issuers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
My student loan balance increase tremendously over a 5 month time span in XXXX. When I noticed the increases starting in XX/XX/year> I attempted to contact Mohela and was on hold for over an hour and no one answered. I have attempted to communicate through their website by emailing and received a generic response about calling in. When I attempted to phone in again still no one able to assist me, because I never got an opportunity to speak to anyone due to being on hold for so long. I also do not think my account was paused for interest when the announcement was made that it would be.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I am filing this complaint regarding a collection account reported by Fair Collections & Outsourcing of XXXX XXXX, XXXX related to an alleged lease balance from XXXXXXXX XXXX XXXX in the amount of {$2700.00}. On XX/XX/year>, I received a collection notice from this company. The letter stated that I had 30 days to dispute the debt and request validation, with a deadline of XX/XX/year>. I disputed the debt within the required timeframe. On XX/XX/year>, I sent a written debt validation request by certified mail. The letter was delivered on XX/XX/year>, which I can prove with XXXX certified mail delivery confirmation. Despite receiving my timely validation request, the collector never provided any validation of the alleged debt. However, the account was still reported to the credit bureaus and was later marked as verified during my dispute with XXXX. Under the Fair Debt Collection Practices Act, once a consumer disputes a debt within the validation period, the collector must cease collection activity until validation is provided. Reporting a collection account to credit bureaus without providing validation after receiving a timely dispute raises serious concerns. In addition, the underlying balance appears inaccurate. I previously contacted the landlord disputing multiple charges and never received clarification. The balance includes questionable items such as : parking charges even though my lease included free parking for one vehicle. replacement of blinds after eight years of tenancy, which appears to be normal wear and tear. unexplained water and XXXX charges rent calculations that do not match my payment history. Because validation was never provided and the amount appears inaccurate, I request that this collection account be deleted from all credit reporting agencies.

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 2026-03-11 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: MOHELA
State: GA

Complaint narrative:
I am filing a complaint regarding an ongoing loan servicing error with MOHELA that has prevented my student loans from being correctly processed for Public Service Loan Forgiveness ( PSLF ). My account contains six federal direct loans serviced by MOHELA. Five of the loans currently show XXXX qualifying payments under PSLF and are eligible for forgiveness. However, Loan XXXX incorrectly shows only XXXX qualifying payments despite the fact that I have made the required payments and have even made additional payments to ensure the account remained current. Since XXXX, I have contacted MOHELA multiple times regarding payments that were intended for XXXX XXXX that were either misapplied or not correctly allocated. Each time I was told the issue would be corrected within 10 business days, but the problem has still not been resolved. I specifically talked to Mohela on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Because of this servicing error : XXXX XXXX is incorrectly showing only XXXX qualifying PSLF payments. My account now shows a past due balance of {$12.00} and alerts stating that I have missed payments. This error is delaying my eligibility for PSLF forgiveness. I am concerned that incorrect delinquency reporting may negatively impact my credit. This issue appears to be a payment allocation or servicing system error. I have already attempted to resolve this directly with MOHELA multiple times without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint regarding Bank of Americas refusal to reimburse funds lost through a XXXX impersonation scam. I was contacted by an individual who falsely represented themselves as a fraud representative from XXXX. The individual communicated with me by phone and text and convinced me that my account was compromised and that I needed to send XXXX transfers to secure or verify my account. Under this false representation, I was manipulated into sending XXXX separate XXXX transfers totaling {$1900.00}. These payments were made only because I believed I was following instructions from a legitimate XXXX fraud employee attempting to protect my account. Shortly after the transfers were completed, I realized I had been the victim of an impersonation scam. I immediately reported the fraud to Bank of America and provided details of the phone number, text messages, and the XXXX XXXX transactions. I then reported the fraud to XXXX, Federal Trade Commission as well as filed a police report. Despite clear evidence that the transfers were induced through impersonation and social engineering, Bank of America denied my claim and refused reimbursement. This was not a voluntary payment for goods or services- it was a fraud-induced transfer resulting from impersonation of a trusted financial service representative. I am requesting that the CFPB require Bank of America to reopen the investigation, classify this incident properly as impersonation fraud, and reimburse the {$1900.00} lost due to this scam. I am a single mother supporting my XXXX and XXXX daughters and this was a meaningful loss. Bank of America did not request any documentation regarding the incident.

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 2026-03-11 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: CA

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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: NJ

Complaint narrative:
I made 2 transactions on XXXX XXXX, 10 days later my contacts have not received the money. I tried requesting information from Xoom to no avail, but they did deduct the monies from my accounts the day after I initiated the transactions. They do not provide information regarding the reason why this happened, and despite multiple attempts to get a refund, they have not communicated with me. They do not have an actual customer service person to call and ask questions, everything is through email and the communication is vague and lacking any relevant information, more like a generalized response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: MI

Complaint narrative:
I have had a Capital One XXXX XXXX credit card for several years and have paid the annual fee while accumulating XXXX miles. I redeemed my miles for XXXX gift cards through the rewards portal, but the gift cards were never delivered and the order remained listed as pending processing. My account was later restricted and subsequently closed by Capital One, leaving the redemption unresolved and preventing me from accessing the rewards I redeemed. Since the gift cards were never delivered, I am requesting either the fulfillment of the redemption, restoration of the redeemed miles, or a refund of the annual fee that was paid for the card benefits. Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
my name is XXXX XXXX I've tried opening a account for banking several times and never can be able to open one it always saids not approved and im getting very upset because there o information to why I went open one in person I can't either supposedly there something in my file but I don't even know what's on my file I never did anything wrong has someone used my identity and now I can't access banks accounts? this so unfair and I need a solution please and 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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
To whom if may concern : I am following up regarding my complaint XXXX. I called as I mentioned I would and was able to speak with a representative. During that conversation, I was informed that your office has received all of my notes, emails, and documentation regarding this account, including the delays in assistance from the apartment complex. I was advised that, because I was not made aware of Arizona tenants rights, the costs associated with this account are higher than they otherwise would have been, and that no settlement or payment arrangement has been provided to me. I was also informed that under these circumstances, I am not required to pay beyond what is fair. I do not wish to take the apartment complex to small claims court. Instead, I am reaching out to request a settlement payment plan of 5060 % of the balance, paid over an agreed-upon period, to resolve this matter. My goal is to have this account cleared and the inquiry removed from my credit report so I can move forward with stability for my children and family. For your reference, I have attached a copy of my previous complaint that I filed regarding this account, which has not yet received a response from your company. I hope that including this documentation helps to facilitate a prompt and fair resolution. Please provide written confirmation of the settlement amount, the proposed payment schedule, and acknowledgment that the account will be deleted from all credit reporting agencies upon successful completion of the payments. Once I receive confirmation, I am prepared to begin the payment plan promptly. Thank you for your time and attention. I look forward to resolving this matter cooperatively. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2026-03-11 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: TX

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Someone hacked my accounts when I was in XXXX and deposited counterfeit checks and completed fraud. The bank is holding me responsible Ive been with this bank for over XXXX yrs and never had a problem. Now they are holding about {$12000.00} of mine and want release it. I had to go to another bank and open an account and all of my ach debits have been goi g to the old account and not getting paid. My direct deposits went there and I havent recieved them. I just want to get my money from them and move on.

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 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have made attempts to get Credit Acceptance to allow me to make some sort of payments on my car loan. They refuse. They will only allow me to make any kind of payments and demand the balance be paid in full. I had a XXXX XXXX and XXXX XXXX XXXX in XXXX of XXXX and then XXXX XXXX and XXXX XXXX XXXX in XXXX of XXXX. I was out of work for a total of 9 months. I was not getting paid enough to pay my car payment. I initially kept constant communication with them dispite their constant harassment while I was in the XXXX fighting for my life even. I explained I was in XXXX fighting for my life and they would call me 5or 6 times a day. So I had to block them. When I returned to work and since I have tried to get them to accept payments and they refuse. In the meantime they are just continuing to destroy my credit. I have even asked them to even repossess the car and they refuse. So what am I supposed to do? This is ok for them to just continue to report negative to my credit while not allowing me to resolve the issue in any way. I need help.

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 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
reply to denial of settlement offer due to disputing approve settlement offer for good faith effort to remove a debt

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