vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: CA

Complaint narrative:
COLLECTION OF FRAUDULENT DEBT - CREDITOR HAS ACTUAL KNOWLEDGE DEBT WAS PAID IN FULL BACKGROUND : I paid XXXX XXXX XXXX  account # XXXX in full on XX/XX/XXXX, XXXX Credit One 's XX/XX/XXXX statement shows : Payment received : {$2200.00} ( XX/XX/XXXX ) New Balance : {$0.00} Minimum Payment Due : {$0.00} Account status : CLOSED XXXX  XXXX then fraudulently reversed my payment in XX/XX/XXXX with an unauthorized " ADJUSTMENT-PAYMENTS '' entry, charged off the account XX/XX/XXXX, and sold the fraudulent debt to XXXX XXXX XXXX XXXX 
XXXX 'S ACTUAL KNOWLEDGE : I filed CFPB Case XXXX on XX/XX/XXXX disputing this fraudulent debt. On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX 's servicer ) responded to that complaint. Their response included XXXX XXXX Bank statements that PROVE the debt was paid to {$0.00} in XX/XX/XXXX. 
XXXX now has actual knowledge this debt was paid in full. Their own validation response proves it. 
CURRENT VIOLATION : Despite having documented proof the debt was paid, XXXX hired a third-party debt collector to pursue collection. On XX/XX/XXXX ( ONE WEEK after their CFPB response ), I received a collection letter from : Unifin XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Unifin Reference Number : XXXX The letter demands payment of {$2600.00} on the same Credit XXXX account that XXXX 's XXXX documents prove was paid in full XX/XX/XXXX. 
TIMELINE OF KNOWING VIOLATIONS : XX/XX/XXXX : I paid XXXX XXXX XXXX  {$2200.00} ( account balance : {$0.00} ) XX/XX/XXXX : I filed CFPB complaint against XXXX ( Case XXXX ) XX/XX/XXXX : XXXX responded with Credit XXXX statements showing {$0.00} balance after my payment XX/XX/XXXX : XXXX hired Unifin to XXXX the same debt ( ONE WEEK later ) XX/XX/XXXX : Today - filing this complaint VIOLATIONS : By XXXX XXXX XXXX : 15 USC 1692e - False representation with actual knowledge ( possesses documents proving debt was paid ) 15 USC 1692f - Unfair practice ( hiring collector to pursue debt they know is fraudulent ) FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing information known to be inaccurate Bad faith collection - Hiring collector with actual knowledge debt is fraudulent By Unifin, Inc : 15 USC 1692e ( 2 ) ( A ) - False representation of character/amount/legal status of debt 15 USC 1692e ( 5 ) - Threatening action that can not legally be taken 15 USC 1692e ( 8 ) - Communicating false credit information 15 USC 1692f - Collecting debt that was paid in full EVIDENCE : XXXX  XXXX XXXX XX/XX/XXXX statement showing {$0.00} balance after my payment ( provided by XXXX in Case XXXX ) XXXX 's XX/XX/XXXX CFPB response ( Case XXXX ) proving they have actual knowledge Unifin collection letter dated XX/XX/XXXX demanding payment on fraudulent debt Credit XXXX Bank statements ( XX/XX/XXXX - XX/XX/XXXX ) showing account XXXX and fraudulent payment reversal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XXXX XXXX XXXX I applied for TPD with studentaid.gov with the required documentation. They never even processed my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied and was accepted for a Capital One Savor Cash Rewards Credit Card on XX/XX/XXXX. I found the offer on XXXX and it remains available to this day at XXXXXXXX XXXX XXXX When I clicked " Apply Now '' it carried me to Capital One 's website herXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On that site it plainly says, " New Cardmember Offer - Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening. '' I applied and was accepting through that webpage. 

As of XX/XX/XXXX I had spent {$500.00} and the deadline was XX/XX/XXXX. I called the customer service number on my Capital One Savor card ( XXXX ) at XXXX on XX/XX/XXXX and spoke with a lady who said I had met the requirements and I should receive the {$200.00} credit within 30 days. 

I never received the credit so I called back XX/XX/XXXX at XXXX and spoke to a dude who confirmed I had spent {$500.00} within the first 3 months. He said the agreement was {$2000.00} spend in 3 months but kept going back and forth saying {$500.00} also. My entire reason for applying for the card was to get the {$200.00} bonus. 

I then called back on XX/XX/XXXX at XXXX the general questions number on their website ( XXXX ) and spoke to XXXX XXXX He said there was a counteroffer that I accepted that did not include the bonus. He connected me to a supervisor and she said the same thing. 

I have received signup bonuses from XXXX, XXXX, and XXXX XXXX. I document and am well aware of what offers I signup for and ensure that I meet all requirements before the deadline. Capital One is the only company I have ever had a problem with. 

Any help would be greatly appreciated. Thank you very much and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Unfair fees resulting from website technical malfunction. 
I am filing a complaint regarding unfair Returned Payment fees charged by Comenity Capital Bank due to a persistent technical failure on their online payment portal.

A few months ago, I logged into the Bread Financial portal to update my autopay source to a new bank account. The system provided no error message, leading me to believe the update was successful. However, the system silently overrode my change and continued drawing from the old account, resulting in a rejected payment and a returned payment fee on XX/XX/year>. 
When I logged in to correct this, I attempted to update the bank account again. The system reverted my change the second and the third time. I was forced to completely delete the old bank profile before the system would allow me to link the new bank account. This proves the " Edit '' function is broken. 
I have attached screenshots of automated confirmation emails from Comenity Capital Bank that prove these attempts were made. 
These emails show a " reversion '' loop : Each time I successfully edited my autopay to link my new bank account, the banks system would automatically revert the change back to my old account shortly thereafter and send me a notification of that change. This happened repeatedly despite my explicit instructions to use the new account. 
I have contacted customer service four times. A representative on XX/XX/XXXX claimed there were " no reported issues '' with the portal, ignoring the direct evidence provided by their own automated emails. 
I acted in good faith to pay my bill. I should not be penalized for a User Interface failure that prevents standard account update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit Management is attempting to collect an alleged XXXX Bank credit card debt that was charged off on XX/XX/XXXX. 

On XX/XX/XXXX, Midland Credit Management received my certified written settlement offer of {$1500.00} as full and final settlement of this account. I am unemployed, I have a little baby and have no assets. I clearly stated that {$1500.00} is the maximum amount I am able to pay.

And since English is not my native language, I feel that these people are trying to manipulate me and force me to agree to payments that I can not afford, so I asked them to communicate with me only in writing.

Midland has failed to respond in writing within the 14 days stated in my letter. They continue collection activity without addressing my written communication.

I am requesting that Midland Credit Management : 1. Respond in writing to my settlement offer, 2. Cease telephone communication and communicate only in writing, 3. Provide a clear written resolution of this account.

I believe Midlands failure to respond to a written notice and continued collection activity constitutes unfair and deceptive practices under the Fair Debt Collection Practices Act ( FDCPA ). 

I am attaching copies of my settlement letter and proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Imperium Lending, LLC
State: AL

Complaint narrative:
Imperium Lending absolutely screwed me over. Financially and emotionally. Nothing but liars and stealers.I owed nothing at closing then they wanted to add XXXX to my principal knowing that wasnt what I signed for. I was promised on messages and verbally of my exact disclosures. I couldve lost my job having to contact notary and title people all day at work trying to figure out the situation. No one came to closing because lender didnt send title company the disclosures. My credit score dropped from this as well and interest rates arent like how they were. I was discriminated as an XXXX for being a XXXX veteran as well as young.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Radius Global Solutions LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} I have no knowledge of this company nor have I ever done any business or entered any contractual agreements with said company. If ownership of debt with Radius global solutions can not be provided with a signed contract with myself, this debt is nil and void therefore its being disputed

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: NC

Complaint narrative:
This letter serves as a formal dispute and pre-litigation notice regarding Credit Control LLCs furnishing and reporting of inaccurate information to XXXX XXXX XXXX on XXXX XXXX XXXX, without my knowledge, authorization, or prior notice. 

Credit Control LLC, as a furnisher of information, is subject to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as enforced by the Federal Trade Commission. Furnishers have a non-delegable duty to ensure that any information furnished to third parties is accurate, complete, verifiable, and not misleading, and that consumers are afforded their full statutory rights, including notice and the opportunity to dispute. 

I never received any initial communication, validation notice, or account information from Credit Control LLC regarding this alleged account. Consequently, I was denied my right to timely notice and my ability to dispute the account, resulting in inaccurate information being furnished and relied upon by XXXX XXXX XXXX. 

These actions constitute violations of, but are not limited to : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information that is inaccurate or not supported by reasonable procedures FCRA 623 ( a ) ( 2 ) failure to correct or update inaccurate information FCRA 623 ( b ) failure to conduct a reasonable investigation once the accuracy of the information is disputed FTC Act, 15 U.S.C. 45 ( a ) unfair or deceptive acts or practices affecting consumers By furnishing information without proper notice and without ensuring its accuracy, Credit Control LLC engaged in unfair, deceptive, and misleading conduct, causing actual and potential harm. 

Accordingly, I demand that Credit Control LLC : Conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ) Immediately cease furnishing disputed information regarding this account Permanently delete or correct any inaccurate information furnished to XXXX XXXX XXXX or any other third party Provide written documentation substantiating the alleged account, including the date and method of any initial notice allegedly sent to me Confirm in writing, within XXXX  days, the actions taken to remedy these violations Failure to timely cure these violations will leave me no choice but to pursue all available remedies, including but not limited to filing complaints with the Federal Trade Commission , the Consumer Financial Protection Bureau , my State Attorney General, and initiating legal action to enforce my rights under federal law. 

Nothing in this letter shall be construed as a waiver of any rights, claims, or remedies, all of which are expressly reserved. 

This letter is not a refusal to pay, but a formal notice that the account and all information furnished regarding it are disputed.

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 2026-01-28 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: MD

Complaint narrative:
In XX/XX/year>, XXXX separate payments were submitted to MOHELA with explicit, written instructions regarding how the funds were to be applied. 

On XX/XX/year>, a payment of {$90000.00} was sent to MOHELA with specific instructions identifying the exact loans to which the payment should be applied. 

On XX/XX/year>, a second payment in the amount of {$230000.00} was sent with detailed instructions directing that the funds be applied only to loans with interest rates above 4.5 %. 

Despite these clear instructions, MOHELA failed to apply the XX/XX/XXXX payment as directed. Instead, the funds were misapplied to loans that had a {$0.00} balance, which is both illogical and directly contrary to the payment instructions provided. 

On XX/XX/year>, I contacted MOHELA to resolve this issue and spent approximately XXXX hours on the phone. During this call, the representative was unable to access or locate the loan information or the payment instruction documentation associated with the transfer. I was told that a supervisor would be required to address the issue ; however, I was then informed that I could not speak with a supervisor that day. No follow-up has occurred since that call. 

MOHELAs failure to properly apply these payments, particularly applying funds to loans with a XXXX balance, is highly concerning. This misapplication directly exposes me to unnecessary and significant additional interest and fees, despite my explicit instructions intended to avoid exactly this outcome. 

I am requesting CFPB assistance to ensure that : The payments are correctly and promptly reapplied according to the original written instructions, and MOHELA provides a clear explanation for how and why these funds were misapplied, as well as safeguards to prevent this from occurring again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My boyfriends grandmother died and a check was written to him of {$5000.00} for his inheritance. The check was from XXXX XXXX and my boyfriend signed it over to me to deposit it in my account. I went to Bank of America to deposit it on XX/XX/year>. Bank of America told me that the funds would be available on XX/XX/year>. Which I have a receipt for. On the XXXX the funds werent available so I called and they told me the funds would be available on Wednesday ( XX/XX/year> ). I happened to go online to check my account and my account was locked. So I called again and they told me my account was closed due to suspicion of fraud. They will not release the funds even though XXXX XXXX already released the funds to Bank of America. XXXX XXXX says that there is nothing they can do because the funds were already released and Bank of America does not want to release the funds to me. Bank of America also stated that they will not send the money back to XXXX XXXX either. Technically they cashed my check and wont release the funds to me or to the original account that wrote the check. Bank of America will also not give me a straight answer on how to get the funds back. Please respond and let me know if you can help and what to do next.

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 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Our son was picked up by XXXX County Police department the night of XX/XX/XXXX, The following morning we received a call from police impersonator stating that our son can be picked up after submitting bail payment using the CHIME app. After receiving conf # XXXX we were informed to show the number to XXXX County Jail. After arriving at the jail we were informed that the call was a scam. We immediately contacted Chime to inform them of the scam, They said, the payment was pending and that they couldn't do anything about it, so we called several times and spoke with XXXX different representatives who said they couldn't reverse the pending payment. Then we followed up with our Bank\Credit Union we were informed that even though the money was showing pending from their system CHIME would need to cancel their pending transaction. We called CHIME back again only to be told the same thing. They could not reverse the pending transaction even after giving them the XXXX County Police report, case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Conduent Incorporated
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Subject : Refund To Whom It XXXX Concern, Hello! My name is XXXX XXXX. I am just going to get straight to the point. I am a newly single mom of XXXX awesome kids. I receive child support from their father.In late XXXX, my XXXX just quit working, it would not power on. I lt was then that I learned how dependent I am of my phone. I went from XX/XX/XXXX to XX/XX/XXXX with no phone. No use of credit/debit cards, no XXXX, no access to my money at all. Or access to my online login information. 

Upon replacing the whole master computer of my phone, I was able to have a phone again. However, I had to wait XXXX hours for XXXX to authenticate my account so I still didnt have access to anything. I could call those whose numbers I remember and thats all. 

XX/XX/XXXX comes around and now I can login to everything. It was then that I noticed a few small transactions for this XXXX  ( for length purposes, I will now call them XXXX ) and then a {$240.00} from them as well. It is a ride and grocery call ser for elderly and XXXX people. I disputed this right away with XXXX  and told me my account had a free XXXX  days membership and they would give a refund if asked for withkn those free XXXX   days. How could I cancel a membership, that I knew nothing about, nor had access to sign up in the first place. They denied my dispute. 

I then went to dispute with the XXXX debit card. They denied my reques. I called and spoke with someone to appeal it as I had documentation of an apple repair on my phone, the dates of no cell data usage to further validate my dispute. The woman told me the account was created in XXXX. I have never been to XXXX, I dont even have a car. And then why werent there any other charges from XXXX  on my card. 

I am asking that my refund of {$240.00} be sent to me by XX/XX/XXXX. 
Otherwise my attorney will be handling this for me. And I will ask for more due to the mental anguish this has caused me. I will also be filing a complaint with the XXXX XXXX XXXX XXXX XXXX  ), Consumer Financial Protection Bureau ( CFPB ), XXXX own Department of Agriculture, Trade and Consumer Protection ( DATCP ), Federal Trade Commission ( FTC ), and anyone else I have to. I will also post this on every social media platform there is. 

Thank you for your time. I am hoping to resolve this as quickly as possible. Look forward to hearing from you. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation