vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hollis Cobb Associates
State: WA

Complaint narrative:
CFPB Escalation Statement New Evidence Regarding Source of Breach Subject : New Evidence Identifying the Origin of the Fraudulent Medical Billing, XXXX Disclosure, and Identity Theft I am submitting new information to escalate my existing complaint. I recently obtained official correspondence from XXXX XXXX confirming that my protected health information ( PHI ), billing data, medical records, insurance information, and personal identifiers were accessed and copied by a cybercriminal between February 1720, 2024. 
The breach notice states that XXXX XXXX detected suspicious activity on XX/XX/XXXX, and confirmed unauthorized access on XX/XX/XXXX. The letter explains that the compromised data included : Medical record numbers Diagnoses and treatment information Billing and claims data Payment information Insurance information Personal identifiers including name, address, date of birth, phone number, email Social Security number and drivers license number This new documentation directly connects the Change Healthcare breach to the fraudulent XXXX XXXX XXXX that was later sent to Hollis Cobb Associates. The fraudulent bill contained a fabricated XXXX service date and a new balance on a XXXX that was fully paid in XXXX. This fraudulent bill was created after the Change Healthcare breach and is consistent with corrupted billing files and unauthorized access to XXXX. 
Additionally, XXXX XXXX transmitted my XXXX and billing information to XXXX XXXX, who attempted to collect the fraudulent debt despite being unlicensed in Washington XXXX. This disclosure was unauthorized and based on corrupted data originating from the Change Healthcare breach.

Following this breach and PHI exposure, I also experienced identity theft, including a fraudulent Synchrony/CareCredit account appearing on my credit report in XX/XX/XXXX. XXXX later confirmed in writing that the account was not opened by you. My legitimate payment history was deleted, and fraudulent data was reported to TransUnion. 
This new evidence shows a clear chain : XXXX XXXX breach exposed my PHI and billing data. 
XXXX XXXX billing system was affected, resulting in a fraudulent bill. 
XXXX disclosed my XXXX to XXXX XXXX based on corrupted data. 
XXXX XXXX attempted to collect a fraudulent debt. 
Identity theft and fraudulent credit reporting followed. 
I am requesting that the CFPB escalate this matter due to : XXXX XXXX refusal to respond to my original CFPB complaint. 
The newly confirmed origin of the XXXX exposure and billing corruption. 
The ongoing financial harm, identity theft, and credit reporting damage caused by the breach. 
I am providing copies of the XXXX XXXX breach notice and related correspondence as supporting evidence.

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 2026-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
XX/XX/year>, XXXXXXXX XXXX XXXXXXXX XXXX on XXXX XXXX XXXX  Given 10.4 % APR even though my credit score was above XXXX. 
Insisted that I get the warranty or they would not sell me the vehicle which they charged me extra for. 
Also fought me when it came to the credit union if my choice for my auto loan.

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I had a Fit Mastercard account serviced by Continental Finance Company. I received payment reminder emails regarding my account, but I never received any email or written notice informing me that my credit card account would be closed. I later paid the remaining balance in full because I intended to continue using the account. After making the payment, I discovered that my account had already been closed. 

I believe I should have been notified before the account was closed. If a notice was sent, I never received it. The only communications I received were payment reminders, which led me to believe the account remained open and available for use after I brought it current. 

I am submitting this complaint because I want the company to explain when the decision to close my account was made, why it was made, and how and when they claim they notified me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: KY

Complaint narrative:
I was not expecting the high loan amount of interest ; i borrowed {$1000.00} XXXX  have paid back {$1500.00} over couple months XXXX  still owe {$1600.00}- very egregious. They charge XXXX %.

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 2026-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
CFPB Complaint Description : I am filing a complaint against LoanCare/XXXX XXXX XXXX regarding their handling of insurance claim proceeds for Tornado damage that occurred to my home several months ago on XX/XX/year>. 

My insurance company approved and issued claim proceeds exceeding {$54000.00}, and the insurance check was promptly endorsed and sent to the mortgage servicer as required. However, since that time, LoanCare has repeatedly delayed, denied, and changed documentation requirements, preventing timely access to funds needed to repair my property. The delays caused by LoanCare 's repeated denials, changing requirements, and prolonged review process have created significant financial hardship for my family. Because insurance proceeds have remained restricted while repairs were delayed, I have been forced to pay for portions of the repairs and related expenses out of pocket. This has depleted my available funds and caused me to fall behind on multiple financial obligations. As a direct result of these delays, I have received notices indicating that my mortgage loan is now approximately two months delinquent and could be subject to default proceedings or foreclosure activity if the delinquency is not cured. I believe LoanCare 's handling of this claim has materially contributed to my financial hardship by preventing timely access to insurance funds intended to restore my property after a covered loss. 

Throughout this process, I have made every effort to comply with each request. Each time I submitted the requested documentation, LoanCare either denied it after several business days or came back with a new requirement that had not previously been disclosed. In multiple instances, documents were rejected, corrected according to LoanCare 's instructions, resubmitted, and then rejected again for different reasons. 

As a result, my property repairs have been delayed for weeks while insurance proceeds remain under LoanCare 's control. The continual addition of new requirements after prior requirements were satisfied has created an unreasonable and burdensome process. I believe LoanCare has failed to provide clear standards, failed to process documentation consistently, and unnecessarily delayed access to insurance proceeds needed to restore my home. 

I am requesting that CFPB investigate LoanCare 's handling of this claim, require them to provide a clear written explanation of all requirements and denial reasons, and ensure prompt release of insurance proceeds once reasonable documentation requirements have been satisfied.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
My debit card was lost after I shopped at XXXX, and unauthorized ATM withdrawals of {$800.00} and {$200.00} were made using my card. I was at work at the time these transactions occurred and could not have made them. For reference, I have attached my time clock records showing that I was working during the time of the unauthorized withdrawals. 

I respectfully request an expedited review of my fraud claim and a prompt refund of the stolen funds. I also tried to add another unauthorized transaction to the claim but, the bank stated they couldn't do that. Thank you for your time and assistance.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A check in the amount of {$26000.00} was deposited into my Citibank account on XX/XX/year>, at the teller, but I did not deposit this check, nor did I sign it. Citibank has since informed me that I owe {$6700.00} in overdraft fees related to this unauthorized deposit. I am disputing this transaction because it was not made by me, and I did not authorize or endorse the check in any way. I am requesting that Citibank investigate the matter and remove all associated fees from my account. 

My account held a balance of only {$0.00} at the time this check was deposited, and the signature on the check does not match my own. I was at work on XX/XX/year>, and therefore could not have deposited this check or authorized anyone else to do so. I am requesting that Citibank review the teller transaction, including camera footage and the identity of the teller who accepted this check, as the deposit was made without my knowledge or consent. This situation involves an unauthorized and illegal action, and I am holding Citibank accountable for investigating the incident and correcting all resulting charges on my account.

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 2026-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/year>, two separate {$1000.00} XXXX transfers were sent from two different USAA accounts, for a total of {$2000.00}. USAA returned the {$1000.00} sent from the account ending in XXXX. 

This complaint concerns only the second {$1000.00} XXXX transfer sent from the account ending in XXXX. USAA has not returned this {$1000.00}. USAA assigned dispute ID XXXX to this transaction. 

The transfer was authorized from the account to a mobile telephone number that we reasonably believed belonged to the intended recipient, XXXX XXXX. The intended recipient did not receive the money. A later USAAXXXX screen showed that the telephone number was enrolled under the name XXXX XXXX XXXX indicating that the number was associated with someone other than the intended recipient. 

USAA denied dispute XXXX on XX/XX/year>, stating that the transaction had been initiated by an authorized user. I am not claiming that an unauthorized person accessed the sending account. The problem is that the authorized payment was delivered to an unintended person because the telephone number was enrolled under a different name. 

After I requested the information and documents used in the investigation, USAA sent a response dated XX/XX/year>, using a different number, XXXX, for the same {$1000.00} amount and the same account ending in XXXX. The materials did not clearly identify who received the money, the receiving financial institution, whether the receiving institution was contacted, or whether USAA made a documented attempt to recover the funds. 

USAA returned the separate {$1000.00} associated with account ending in XXXX. This complaint is not about that refunded transaction. This complaint concerns only the remaining unreimbursed {$1000.00} sent from account ending in XXXX. 

I am requesting that USAA provide a complete transaction trace, explain the relationship between dispute XXXX and documentation number XXXX, identify the receiving financial institution, document all recovery efforts, contact the receiving institution to seek return of the funds, and return the unresolved {$1000.00}.

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 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> Re : Dispute of Alleged Debt and Request for Validation To Whom It May Concern, I am writing regarding the account referenced above. I formally dispute the validity of this alleged debt and request that you provide validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). This letter is not an acknowledgment that I owe the debt, nor is it a promise or agreement to pay. 

Because I dispute this alleged debt, I request that you provide competent evidence that I have a legal obligation to pay it. Please provide the following documentation : The name and address of the original creditor. 
The original account number and any account number currently associated with this alleged debt. 
The total amount claimed to be owed, including an itemized breakdown of the principal balance, interest, fees, and any other charges. 
Copies of any contracts, agreements, promissory notes, or documents bearing my signature that establish my legal responsibility for this alleged debt. 
Documentation showing your legal authority to collect this debt, including proof that the debt was assigned or sold to your agency. 
The date of the alleged default and the date of the last payment, if applicable. 
Verification that all information being furnished to any consumer reporting agency is complete and accurate. 

Until you provide the requested validation, I dispute this alleged debt in its entirety. If you are unable to validate the debt, I request that you cease all collection activity related to this account and notify any consumer reporting agencies to which you have furnished information that the account should be deleted or corrected as appropriate. 

Please communicate with me regarding this matter in writing at the address listed above. 

Thank you for your prompt attention to this request. I look forward to your written response. 

Sincerely, XXXX XXXX

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 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have already filed complaints with the Federal Trade Commission ( FTC ) and my State Attorney General, and I am prepared to pursue legal action if this matter is not resolved. 
CREDIT COLL ( Original Creditor : XXXX ), Account No. XXXX. I never received an initial notice or validation notice before this account was placed on my credit reports. I have repeatedly requested validation months ago, yet your company continues reporting this account without providing the documentation required to support your reporting. Your reporting is also inconsistent. The Date of Last Activity is reported as XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX and XX/XX/XXXX with TransUnion. If you are furnishing information to the consumer reporting agencies, explain how the same account can have three different Dates of Last Activity while certifying the information as accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing this apartment collection because I believe the debt is inaccurate and has not been properly validated. I requested documentation showing how the balance was calculated and proof that I am legally responsible for the amount being collected, but the collector has not provided sufficient evidence. 
I request that the collection agency provide a complete itemized accounting of the alleged debt, copies of the lease agreement, move-out statement, any invoices for damages or charges, and documentation showing they have the legal authority to collect this debt. 
If they can not verify the debt with proper documentation, I request that all collection efforts cease and that any reporting to the credit bureaus be corrected or removed. I also ask that this account be marked as disputed while the investigation is pending. 
I am requesting a fair and thorough investigation in accordance with applicable federal law.

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 2026-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am disputing {$250.00} in unfair excess wear-and-tear fees charged by U.S. Bank at my lease turn-in. I spoke with XXXX and his supervisor XXXX or XXXX on XX/XX/year>. They were firm on their stance. They are charging me for low tread depth on a spare tire and an inflated rate for a rear windshield wiper blade. A vehicle 's spare tire is emergency safety equipment, not a road-facing ground tire subject to standard operational wear metrics. The spare tire meets all required OEM sizes and ratings. Furthermore, the wiper blade charge reflects an exorbitant administrative penalty rather than market replacement costs.

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> {$9700.00} Fraudulent unauthorized charges as a result of being contacted by a bad actor impersonating a bank representative who used high-pressure tactics to manipulate my account access. I was simultaneously contacted by phone and text messages. These charges have not been investigated and never given temporary credit causing me to have a due payment on XX/XX/year>. 
XXXX : XX/XX/year> post : XX/XX/year>XX/XX/XXXX {$36.00} XX/XX/year> post XX/XX/year>XX/XX/XXXX{$30.00} I would appreciate a response as of why these 2 charges appear on my replacement card if these charges were made on my previous card. I didn't receive my replacement card until XX/XX/year>, and activated card that day. 
My initial dispute was denied because company claims that I contributed to the fraud. I strongly disagree because these transactions were entirely fraudulent and completed under criminal duress or deception. I have mailed them my written appeal.

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 2026-07-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: LA

Complaint narrative:
XX/XX/XXXX I added money to the account that XXXX sent me two debit cards to Mail that I did not even ask for and once I added money, they deactivated the account and sent an email. The account was closed then they sent money through mail which took seven days longer when one of the agents stopped first class to get my check in mail with late fee fees on utilities and rent monthly payment to do not want to pay for my late fees after they sent my money that I added a day closed on me need help get reimbursed for my lease fees on my bills and rent XXXX my name is XXXX XXXX

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