vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My federal student loan account was placed into repayment earlier than the forbearance end date shown in my records. My forbearance was originally approved to continue through XX/XX/XXXX, but my loan servicer moved my account into repayment earlier as the result of a servicing or administrative change. 

I was not provided a billing statement or written notice advising that repayment would resume earlier than scheduled. I also did not receive any past-due or delinquency notices before negative credit reporting occurred. However, my account was placed into a repayment status prior to that date as a result of a servicing or administrative change. This letter does not state that my originally approved forbearance end date of XX/XX/XXXX was changed, shortened or revoked, and it does not explain that my repayment status was moved earlier than the original date. The letter only reflects the date the servicer treats my forbearance as ended. 

Before this status change, I contacted the servicer to update my mailing address around XX/XX/XXXX. When I later disputed the reported delinquency, the servicer denied my request and stated that it is my responsibility to maintain a current address. However, my dispute is not based solely on an address issue. My dispute is that proper billing statements and delinquency notices were not provided to me prior to adverse credit reporting after my repayment status was changed. Additionally, my calling the server is me taking responsibility to update my address. 

Although billing statements were generated, they were issued with my previous address despite my having updated my address with the servicer prior to the date. As a result, I did not receive the statement or any past-due notices before negative credit reporting. I am requesting a review of the timing of address update and the statement generation to confirm this servicing error. 

I am requesting a review of the servicing history to determine when my repayment status was changed, whether a billing statement was generated before the first payment due date, whether any past-due or delinquency notices were generated, and whether the negative credit reporting is accurate given the lack of notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
I am writing in response to your communication regarding the above-referenced debt. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : The total amount of the debt, including an itemized breakdown of any interest, fees, or other charges. The name and address of the original creditor. A copy of the original contract, agreement, or other documentation bearing my signature that shows I agreed to this debt. Proof that you are legally authorized to collect this debt, including any license required to collect in my state. Documentation showing the date of last payment and that the debt is within the statute of limitations. Until you provide proper validation, you must cease all collection activities, including reporting this account to any credit reporting agencies. If the debt has already been reported, it must be marked as disputed. This letter is not an acknowledgment of any debt, nor is it a promise to pay. Please respond in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Loans I have know ideas, when the fraud took Place

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: VA

Complaint narrative:
So I had a debt that was recently sold ( XX/XX/XXXX apparently ) by XXXX to Revco XXXX. I received no notification via email or mail, which the Revco customer service rep confirmed. She then went to speak to her supervisor and came back stating that they dont have to notify mewtf? This is very concerning and unprofessional, but this was not the biggest issueI had an every other week payment plan setup with XXXX that aligned with my paycheck. I had just paid what was ( unbeknownst to me ) my last XXXX payment in mid XXXXand then I have 2 {$100.00} ACH debit charges from Revco XXXX  on Monday, XX/XX/XXXX, and then another one on Monday, XX/XX/XXXX. So the every other week {$100.00} payment that technically wasnt even due yet was charged XXXX in 7 days. So I have to explain all this to the customer service rep and shes getting defensive in ton and asking me if I have any more questions before putting me on hold because she was talking back and forth with her supervisor because of the supervisor only giving half answers to my questions. At first they said theyd send a refund in about a week, then I asked how ( check or ACH ) and she irritatedly put me back on hold. Came back and answered the question but stated they would refund {$100.00}, when I clarified it should be {$200.00} because the payment would have only been due once over this timeframe. She put me on hold abruptly and then came back and confirmed it would be changed to a {$200.00} refund but they dont have to send a communication about that either, and I just need to look out for the refund in 7 days, and call back if its not there. I let the rep know Id be submitting a complaint because Im pretty sure there is some level of requirement to contact a person assumed to owe a debt because you start taking it out of their accountESPECIALLY if youre taking out XXXX as much as you should!! Whether they have to or not is a terrible and unprofessional answer. Well see if they actually refund me timely, but they have a terrible practice regarding initial communication, and ( when a person calls in ) follow up communication expectations. How in the world can you state you dont have to send requested information or WHEN YOURE WRONG and over charging, not have the empathy to apologize, own it and work quickly to resolve the issue? XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the account your company is reporting under my name and demanding its immediate removal from my credit report. 

I do not owe this debt. Your company is reporting inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. You have a legal obligation to ensure that any information you furnish to consumer reporting agencies is complete, accurate, and verifiable.

Pursuant to 15 U.S.C. 1681s-2 ( b ), once a dispute is made, you are required to conduct a reasonable investigation and remove any information that can not be verified as accurate. If you can not produce competent evidence that I am the legally responsible partyincluding a valid contract bearing my signaturethis account must be deleted. 

Additionally, continuing to report this account without proper verification constitutes a violation of : 15 U.S.C. 1681e ( b ) Failure to maintain accurate reporting 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair collection practices This letter serves as formal notice that the account is disputed and that I am demanding permanent deletion of this tradeline from all consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am filing this complaint because Bank of America has unfairly denied my fraud claim for unauthorized recurring transactions totaling {$100.00} from the XXXX XXXX. These charges began in XXXX. I didn't notice it but I noticed them when it happened regularly, I was in XXXX when it was happening hence didn't check but in XX/XX/2025 I noticed and filed a fraud claim in BOFA app. I have always had physical possession of my debit card and never shared my PIN or account details. After reporting the initial fraud, Bank of America issued me a replacement debit card. However, the unauthorized charges immediately continued on the new card before I even used it. Hence I called the bank and blocked the merchant completely. This proves my account has a digital leak, likely through BofA 's 'Account Updater ' service, yet the bank 's investigation failed to account for this. I am asserting my rights under Regulation E and the Electronic Fund Transfer Act, as the bank has failed to conduct a reasonable investigation and claims that I have authorized the transaction. I'd like a thorough investigation, I can provide my I-94 document if required, I have done all I can to stop this fraud from recurring and I'm not accepting their investigation. I will provide every documentation required.

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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR

Complaint narrative:
I recently obtained a home purchase mortgage. Shortly after closing, the loan originator sold the mortgage to Citizens Bank. When I accessed my mortgage detail on the Citizen 's bank website, I saw a means to set up monthly automatic payment so my mortgage payment would be deducted monthly from my checking account. I like this plan and chose to set it up. I also found that Citizen 's Bank promoted this feature and offered a 0.125 % discount on the mortgage loan rate to borrowers who elected to use autopay. So I asked for the discount. Citizen 's Bank declined the discount because my loan was 'ineligible ' since Citizen 's was not the originator of the loan. I get this conceptually, but no where in the bank 's literature or marketing material is this restriction noted. I would like the discount that they so thoroughly advertise. ( I can find where loans originated in certain specified states are ineligible for the discount ; but my loan was originated in Oregon and Oregon is not on this list. )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My XX/XX/XXXX statement stated my balance was {$180.00} and the payment was due on XX/XX/XXXX. 

I paid the total balance due, {$180.00}, via my bank 's bill payer service. The check was mailed from XXXX to XXXX  on XX/XX/XXXX. XXXX XXXX didn't post my payment until XX/XX/XXXX and assessed a late fee on XX/XX/XXXX, but interestingly they ALSO posted an interest charge, in the amount of {$4.00} on XX/XX/XXXX.... the same day they claim they received my payment. 

I requested confirmation that they received my payment from the post office on XX/XX/XXXX and they said they were unable to provide this confirmation but that they post payments the same day they are received. 

I believe they were delayed in posting my payment and therefore I shouldn't have been charged a late fee, nor should I have been charged almost {$5.00} in interest!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened my 360 checking account with Capital One Bank at the end of XX/XX/year>, The checking account number is XXXX. I have been using it normally, and I have completed two direct deposit tasks greater than XXXX. However, the bank closed my checking account privately in XXXX and did not send me a check for the balance. I repeatedly contacted and refused to solve the problem for me.In the meantime, I moved and couldn't receive a check. Today, I called the bank, but I haven't been able to get in. Many customer service calls can't be connected. The bank has blacked out my mobile phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am filing a complaint regarding Chimes denial of my dispute for a scam-induced electronic transfer. I paid {$650.00} on XXXX XXXX for a puppy that was never delivered. 
I had not used my Chime account since XXXX  and was unfamiliar with the Pay Anyone feature. The seller initiated and sent the payment request and instructed me how to complete the payment. After receiving funds, the seller stopped communicating and no goods were provided. 
Chime denied my dispute despite evidence showing misrepresentation, lack of informed authorization, and non-delivery of goods. I am requesting a reasonable investigation and reconsideration under consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the account your company is reporting under my name and demanding its immediate removal from my credit report.

I do not owe this debt. Your company is reporting inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. You have a legal obligation to ensure that any information you furnish to consumer reporting agencies is complete, accurate, and verifiable.

Pursuant to 15 U.S.C. 1681s-2 ( b ), once a dispute is made, you are required to conduct a reasonable investigation and remove any information that can not be verified as accurate. If you can not produce competent evidence that I am the legally responsible partyincluding a valid contract bearing my signaturethis account must be deleted. 

Additionally, continuing to report this account without proper verification constitutes a violation of : 15 U.S.C. 1681e ( b ) Failure to maintain accurate reporting 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair collection practices This letter serves as formal notice that the account is disputed and that I am demanding permanent deletion of this tradeline from all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
Filing Information Filing # XXXX Filing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Court Case # XXXX Case Style : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX It was settled that I should be refunded the garnishment of {$3400.00} I believe it was clear the Judge ordered repayment back to me. This was ordered in XX/XX/year>, I reached out for multiple follow ups from the law firm " Tromberg , Miller , Morris & Partners , PLLC '' they did communicate back asking for court number and re-auth it was me which I satisfied their request and they said the following -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hello, At this time, we still do not have an update to provide. Were waiting on our Legal Team and the assigned Attorney to advise of the next steps. 



An urgent follow up request has been submitted. Once we receive an update, we will follow up accordingly. 



Thank you, XXXX XXXX XXXX XXXX Assistant Manager, Contact Center Tromberg , Miller , Morris & Partners , PLLC. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 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: NY

Complaint narrative:
Under the doctrine Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX I XXXX presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted on a matter Midland Credit Management that pertains to my credit. I have been a victim of fraud. I sent Midland Credit Management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have 2 accounts on my credit that does not belong to me. I asked Midland Credit Management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Midland Credit Management and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Midland Credit Management. You can not because this is not my debt nor do I owe Midland Credit Management anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM MIDLAND CREDIT MANAGEMENT NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I am a victim of scam Let 's explain, I watched some entertaining videos on XXXX. An ads appears in the middle of the video.By accident, I clicked on that ad, then they took me to a separate website.There were some interesting adult videos showing, in the middle of the video they asked me to take a premium subscription so they would show the full video.The condition there is that the subscription is free, I just have to add my bank details.There are my personal details and my Gave me XXXX XXXX XXXX info then got me to watch the full video.Since no dollars were deducted from my XXXX  at the time, I didn't pay any attention to it.After I finished watching that adult video, I started watching XXXX videos again. 


The real story is now two days later, three transactions were made from my XXXX XXXX to XXXX, amount {$4.00}, {$360.00}, and {$630.00} dollar .. I don't have XXXX  account and also family don't have a XXXX  account, so I contacted the XXXX  customer service and opened a dispute when I saw the transactions. 

A few days after opening the dispute, the bank refused to return the dollars and they declined my complaint.A few days after opening the dispute, the bank/XXXX  refused to return the dollars and they declined my disputes. 

Now I want to request CFPB please review my case and please Please arrange for my dollars to be returned. 
I was scammed by a fake website. 

My XXXX  account details XXXX : XXXX XXXX XXXX XXXX Card : CARD : XXXX XX/XX/year> XXXX  $ XXXX ID XXXX XXXX  {$360.00} Transaction ID XXXX XXXX  $ XXXX ID XXXX I am contesting these transactions and please arrange for my dollars to be returned. 
Note : I don't have XXXX account it's 100 % true.please contact with XXXX  company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
The day after I filed my taxes thru there company they sent me a email telling me they were closing my account with no explanation. If I don't receive my taxes by XX/XX/XXXX then I won't receive them. I called them and they couldn't not tell me why they said the system is closing my account. I did nothing wrong. All I want them to do is keep my account open long enough for me to receive my taxes then I will close it my self because they have not done anything but caused me problems on receiving my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
XXXX emailed me in January to let me know my credit score had decreased. Upon running my credit report at XXXX XXXX XXXX XXXX XXXXhere was a credit card listed that I was unfamiliar with from Barclays Bank of Delaware. 

The credit reports indicated that this credit card was opened on XXXX XXXX, 2025, with a credit limit of {$18000.00}, and had a balance of {$99.00}. A partial account number was visible : XXXX... I never opened a credit card in XXXX and have never received a statement or bill for it. I filed a dispute with all three credit reporting agencies, but they rejected it. 

On XXXX XXXX, I received a suspicious letter in the mail from Barclays stating that they are aware of my credit report disputes and that I should call them about the " XXXX  XXXX  XXXX XXXX. '' The letter indicated the account number ended in XXXX. It provided a telephone number for me to call at XXXX. Instead, I tried contacting XXXX XXXX to no avail, and I found that the Barclays fraud number differs from the number in the letter.

Im not sure how to remove this credit card from my credit report to improve my credit score, and I believe there has been fraud since I never opened a " XXXX XXXX XXXX XXXX. '' Ive never heard of XXXX XXXX and I have never flown this so-called airline.

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