vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
After using Zelle for many years, I am suddenly unable to access it, and people who have tried to send me payment keep having their payment bounced back to them. When I tried to contact Zelle, they just kept referring me to my bank, XXXX, and said any issues I have could be resolved by my bank. But my bank has said ( and confirmed by over 10 representatives over about 12 hours of phone calls ), that they have no way to find out why I am unable to use Zelle. Their systems just keep saying that there is an issue with the Zelle network. 

But there is no way to contact Zelle directly. I was able to find a number for Zelle on XXXX, but I called that number and spoke with multiple representatives, and they were only able to confirm that I have Zelle and couldn't give me any information. 

I filed another complaint through the CFPB ( XX/XX/XXXX, complaint ID XXXX ), and a representative from Zelle ( XXXX XXXX called me on Friday afternoon XX/XX/XXXX and left a voicemail. But she did not give a number to reach her or an extension. She started to give a phone number then realized she was actually giving me my own phone number. 

Then Zelle said they did address my issues in a letter attached to my previous cfpb complaint and closed my complaint minutes after leaving the voicemail. They did not answer my questions, give any time to contact them, and did not leave a way that I could reach them, like a phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
they have frozen my funds for months when I call them they refuse to provide information I just want my money and funds released. 

they have frozen funds for months and I have contacted them on 2 occasions and no resolution was reached. 

they have illegally refused access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Debt Collector : XXXX Date : XX/XX/XXXX Debt Amount : {$9100.00} Settlement Amount : {$2000.00} I am being contacted by a debt collector regarding an alleged credit card debt from approximately XXXX. I am a resident of Arizona. Under Arizona law, this debt is time-barred, and I am unaware of this debt in its entirety. 

A phone call received today, this is the very first my husband and I have ever heard of this outstanding debt, and we asked the company to send us the original debt information for us to review as we are not aware of this debt. We received an email that does not contain original debt information. We explained again over the phone that this is not our debt, we are unaware of this debt. 

The collector has threatened to place a lien against my property despite providing no evidence of a court judgment. I have never been sued for this debt and no judgment exists to my knowledge. This debt collector gave me 2 hours to make a payment today otherwise threatening to place a lien on my home, Threatening legal action that can not legally be taken and misrepresenting the status of a debt violates the Fair Debt Collection Practices Act. I have disputed the debt and demanded written validation and cessation of communication. 

I am requesting that the CFPB require the collector to cease collection efforts and correct their conduct.

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 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
I had an emergency XXXX in XXXX, Missouri at XXXX XXXX XXXX I could not pay but my insurance paid them almost {$40000.00} to cover all my medical bills but there was a balance of {$24000.00} and they are trying to collect it through a secondary debt collector. The debt collector is calling me approximately every other week expecting me to take a loan out on my house. They have already explain to me that they are going to turn this over to my credit report. Theyve also said that I need to start paying and get on payment plan of over {$1000.00} a month which I can not afford so I pay what I can pay about every other week, which is nowhere close to what theyre expecting at this point I dont know what to do because I feel like my insurance has covered the bill probably better than most people who dont even have insurance, but they keep harassing me because I did have insurance and they feel like I have the availability to pay the rest of the bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Complain : Affirm , Inc . 
Type : Buy Now Pay Later/ Consumer Loan for XXXX XXXX Issue : The Loan was approved and paid without my authorization / Fraud/ Billing dispute/ Unfair practices. 

Complain Description : Affirm approved and funded a loan to a medical aesthetic clinic without my signed authorization or consent. 

I never executed or signed a valid loan agreement. Affirm released funds to the merchant based solely on an approval, not on a legally executed contract. This constitutes negligent underwriting, failure to verify authorization, and unfair billing practices. 

I notified Affirm that : 1-I cancelled the transaction within 24 hrs..

2-I am a XXXX and medically unable to use the products/services. 
3-My physician provided written documentation stating the treatment /products were medically contraindicated.

4-The Clinic refused to refund and used a non-refund policy to justify charging for services NOT rendered.

Affirm ignored medical documentation, XXXX protection, and my cancellation notice, and wrongfully closed the dispute in favor of the merchant. 

By financing a transaction that was never validly executed and refusing to correct the error, Affirm violated : Fair Credit Billing Act ( FCBA ) Truth in Lending Act ( TILA ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) I am requesting : 1-The immediate cancellation of the loan.

2-Removal of any balance or negative reporting.

3-Written confirmation that I owe nothing to Affirm 4-A full investigation into Affirm 's funding practices with this merchant.

If this matter is not resolved, I will pursue legal remedies through a consumer protection attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I am submitting this complaint to formally dispute the validity and balance of my federal student loan. 

I borrowed approximately {$2500.00} through XXXX XXXX XXXX XXXX in XXXX. After multiple years of tax refund offsets, my balance was reduced to approximately {$1000.00}. In XXXX, the loan entered deferment, and during the federal student loan forgiveness period I was informed that my obligation was complete. 

Despite this, the loan was later removed from deferment and I am now being told I owe {$2700.00}. I was not properly notified of default or offset actions, as notices were sent to an address I have never lived at. 

I am requesting a full audit of this loan, suspension of collections, correction of the balance, and reversal of any improper tax offsets. 

This debt is formally disputed. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management , Inc keeps calling me asking for someone I don't even know telling me that I have to pay or go to jail. I have told them thats not me leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Auto Credit of Virginia Inc.
State: VA

Complaint narrative:
I, along with multiple agencies involved ( XXXX  DMV, XXXX  XXXX, and XXXX XXXX ( XXXX, XXXX XXXX tax office, have been trying for multiple years to get the title transferred to the state of XXXX XXXX XXXX. It has since been expired and no of us have received a call, text, email, or fax from XXXX XXXX XXXX XXXX. I purchased the vehicle through XXXX XXXX of XXXX XXXX, XXXX. The dealership has XXXX XXXX XXXX XXXX  as their in house finance company. It has been multiple attempts to get the transfer. I am not understanding the difficult of why it can't be done, I just want my tag updated as my time of being stationed in VA is coming to a close in XX/XX/XXXX. I have went through multiple channels to get this done and even contacted a lawyer who said they do not specialize in this type of issue. I have the emails of multiple attempts along with multiple people who can agree that attempts at getting this done have been met with either " The account manager is in a meeting '' or " No we have not received anything related to it ''. I just want the issue resolved in what ever way is possible. Any help is appreciated. Please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear comenity coustumer XXXX I had a promotional plan with my XXXX credit card ( XXXX ) that expired in XXXX. Throughout the entire promotional period, I made my payments on time and in good faith. It was not clear to me that this was a deferred interest plan, nor that a small remaining balance would trigger the full interest accumulated from the start. 

When the promotion expired, an interest charge of approximately {$2900.00} was applied abruptly, resulting in a significant and unexpected increase in my balance. 

As soon as I noticed the charge, I made an immediate payment of {$1800.00}, demonstrating my intent to comply and reduce the balance. My payment history has been responsible and consistent. 

I respectfully request that Comenity review my account and consider a partial reduction or reversal of the interest charged as a goodwill exception, since there was no intention of noncompliance and the financial impact was disproportionate. 

I appreciate a fair review and a possible resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year> I went to XXXX 's XXXX and made a transaction for {$20.00}. I was instead charged {$190.00}. I went to XXXXXXXX XXXX XXXXXXXX and they let me look through XXXX hours of transaction history and there were no charges on XX/XX/year> for XXXX. They recommended I file a dispute with Chase bank. 

I filed a dispute with Chase bank and received a temporary credit ( {$170.00} ) for the remainder. A dispute was opened on XX/XX/year> and an investigation began. On XX/XX/year> the claim was denied and {$170.00} was removed from my checking account. I called the claims department and a representative, and XXXX direct supervisors both told me that the merchant said the charge was correct. But the merchant told me directly that it was not. I received a letter saying the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NJ

Complaint narrative:
I seen this debt on my credit report but had no idea of it. I contacted them numerous times but they never answered the phone. I dont know what this company is. I never associated myself with them.

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 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: OH

Complaint narrative:
National Recovery Agency XXXX XXXX XXXX XXXX, Pa XXXX Toll free XXXX National Recovery never mailed a letter -notice to my home. They emailed it to my work email and the paper work was incomplete. The email never even had my last name or complete address. I called them when I received the email XX/XX/year> and they said they bought the debt from another debt collector XXXX XXXX that I owed {$32000.00}. My response was I XXXX be paying another debt collector for the same debt I need a chance to reach out to the people XXXX  been paying and see if its the same debt. XXXX XXXX reported the XXXX outstanding balances to the credit bureau before, I had a chance to gather my information they reported me on XX/XX/year> what the Supervisor XXXX XXXX said from National Recovery. On my credit report it shows XX/XX/year> so I never had opportunity to respond or dispute the letter. The letter from XXXX XXXX said I had until XX/XX/year>. Which I reached on XXXX XXXX  the day of the email sent to my work email. National recovery had XXXX XXXX destroyed my credit. With out giving me a chance to respond. If you could please help, I would appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My property taxes were reduced in XXXX  because I filed for homestead. Freedom Mortgage paid the correct tax amount but refuses to adjust the escrow calculation to include the lower taxes which would save me approximately {$200.00} a month. I have called XXXX times since XXXX as of today and sent XXXX different internal text messages including a copy of the paid tax statement from XXXX XXXX tax assessor. They just tell me it is pending. 

I pay on time each month. I am on social security now and I need the money they are overcharging me each month. 

My homeowners is {$1500.00} per year My taxes are {$3400.00} per year This would total an escrow need of {$5000.00} annually or {$410.00} per month. As you can see see they are charging me {$610.00} per month for escrow.

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 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: MA

Complaint narrative:
My student loans were transferred in 2025 from XXXX to CRI. Both servicers reported late payments related to the same transfer period. Prior to the transfer, I was enrolled in automatic payments and had no history of delinquency. The late payments were reported during the servicing transfer. And appeared to have resulted from a transfer related servicing error, not borrower non payment. 
I contacted both servicers to address the issue but was informed the late reporting would not be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: WA

Complaint narrative:
XXXX XXXX XXXX : I went to XXXX to open a secured credit card and was denied because they said I had a discover card opened in my name that had gone into delinquency. Due to me not knowing who, when, or where that card was opened they were worried about fraud and wanted to wait for me to sort this out before they could approve me. They told me the card appeared to have been opened in XXXX Washington in XXXX of XXXX and that it was a closed card of XXXX XXXX I didnt even have XXXX $ to my name during the time this card was said to be opened. I was unemployed and living off student loan returns. I immediately called Discover after leaving XXXX and reported the fraud. I tried to ask if they knew where the card was opened from or had any information on who it was and all they told me was that it was a student card that had been applied for online. I was transferred around to several agents who werent even able to find the account without my social security number before the last one told me they would file a fraud claim for me. They gave me no information on what was in the fraud claim. She just asked to confirm my address. I told her I didnt know what address would be on the account since I didnt open it but that I could give her my current address. She took it, told me she filed the claim, and that they would be in contact. Ive been given very little information from this company. I did not open this card. I was living in XXXX at the time it was opened, but I do not and have never had a discover card. I was barely able to pay my rent during that time and my rent was only XXXX $ They dont even have any of my contact information on file. Theyve never contacted me once about the delinquent card. No emails, no phone calls, nothing, because the only information they seem to have on me is where I used to live, my name, and my social. I wouldnt have even known if I hadnt been applying for this card with XXXX. I plan to call Discover back and ask again if they can give me information on the account. I want to know who did this and I want the delinquent off of my credit report. I had hoped to start building credit today not find out that someone else had already destroyed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: NC

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 2026-01-12 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: OK

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding a custodial account security failure and unauthorized transactions involving my Coinbase account. 

On XXXX XXXX XXXX, my Coinbase account was accessed without authorization. All nonXXXX XXXX holdings were liquidated and converted into XXXX on XX/XX/year>. On XX/XX/year>, the XXXX was transferred out of my account to external wallet ( s ) that I do not control.

The total loss exceeded {$500000.00}. 

I did not authorize these transactions. At the time of the incident, my account was protected by two-factor authentication, which failed to prevent the account takeover. I was subsequently locked out of my account and have been unable to regain access despite following Coinbases recovery process. 

I filed a police report with the Fair Lawn, New Jersey Police Department ( Report # XXXX ) and submitted a complaint to the FBI via IC3. I also notified Coinbase in writing.

Coinbase has not provided sufficient transparency, security logs, or remediation. I am requesting a full investigation, disclosure of all relevant records, and an explanation of how this breach occurred. 

I am seeking accountability, cooperation with law enforcement, and appropriate resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I am writing to formally dispute a Capital One credit card account that is currently being reported on my credit report but does not belong to me. 

This account was opened fraudulently without my knowledge or authorization. I have never applied for, used, or benefited from this account. I have already taken the appropriate steps to report this identity theft and have submitted an official FTC Identity Theft Report, which is attached for your review. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Capital One : Conduct a full investigation into this fraudulent account Remove the account and any associated negative reporting from my credit files

Company response to consumer: Closed with explanation