vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 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: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions handling of a fraud claim involving an unauthorized electronic fund transfer. 

A fraudulent transaction in the amount of {$700.00} appeared on the account of the cardholder, XXXX XXXX. The card was stolen without the cardholders knowledge, and neither the cardholder nor any authorized user authorized, initiated, or participated in the transaction. No goods or services were received. 

I timely reported the fraud and fully cooperated with Navy Federals investigation. The claim was denied twice. Navy Federal initially stated that a denial letter had been mailed, but I never received it. When I requested a copy, Navy Federal refused to resend the letter or upload it to secure messages.

After further escalation, Navy Federal provided a brief email stating : We determined you authorized and/or participated in the activity.

No explanation, evidence, or documentation was provided to support this conclusion. Navy Federal also stated that it would not provide information related to its fraud detection methodologies.

This response is insufficient and does not comply with Regulation E. Under 12 CFR 1005.11 ( d ) ( 2 ), upon request of the consumer, a financial institution must provide copies of the documents relied upon to make its determination. Navy Federal has failed to provide any such documents, including but not limited to merchant receipts, proof of chip-and-PIN usage, shipping confirmations, IP address matches, or any evidence demonstrating authorization or participation.

A conclusory statement asserting authorized and/or participated without supporting documentation does not satisfy the requirements of Regulation E and prevents the consumer from meaningfully disputing the determination. 

Additionally, my assistance with administrative paperwork was clearly disclosed as necessary due to the cardholders XXXX and technological limitations. This assistance did not constitute authorization, initiation, or participation in the transaction and should not have been used as a basis to deny the claim. 

Because Navy Federal has refused to provide the evidence relied upon and has issued an unsupported determination, I am unable to verify the accuracy of their investigation or exercise my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certegy Holdings, LLC
State: IN

Complaint narrative:
We spoke with XXXX XXXX on XX/XX/year> about purchasing XXXX from them. They did not host our email so together with XXXX XXXX representative decided they were not going to be able to supply what we needed - so they cancelled the order. The same day we purchased our XXXX program that was needed from a different company for {$160.00}. 

On about XX/XX/year>, we got a letter from XXXX stating that we made a purchase from XXXX in the amount of {$140.00} with a credit card that did not go through. They said since our card did not go through another company paid the debt for our purchase. And that we now owe them for this debt. 

We called XXXX around XX/XX/year> to confirm there was no purchase made on our account. There was not. We do not owe this amount and the company XXXX XXXX refuses to prove that we do. 

They seem to be a fraudulent company that got ahold of our name through XXXX XXXX and are now trying to collect money from us. They are saying a company called Certegy Payment Solutions paid our debt but we never asked for that to be paid and we never got a product from XXXX XXXX. 

They gave a Reference Number : XXXX and Certeg Claim Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am submitting a dispute regarding a collection account being reported by Bull City Financial Solutions with an alleged balance of {$1700.00}. The original creditor is listed as XXXX XXXX. I dispute this debt in its entirety and am requesting full validation. 
Under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the debt collector must cease collection activity until proper validation is provided. I am requesting documentation showing that I am legally responsible for this debt, including a copy of the original agreement with the original creditor, XXXX XXXX, a complete itemized breakdown of the {$1700.00} being claimed, and proof that Bull City Financial Solutions has the legal authority and assignment to collect this debt.

Additionally, reporting a collection account without proper validation may violate 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations, and 15 U.S.C. 1692f, which prohibits unfair or unconscionable collection practices.

Reporting inaccurate or unverifiable information to consumer reporting agencies also violates the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2, which requires furnishers to report information that is accurate and to conduct a reasonable investigation once a dispute is filed.

If Bull City Financial Solutions can not provide proper validation and documentation supporting the accuracy of this account, I am requesting that this collection account be removed from all consumer credit reports. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: KY

Complaint narrative:
I am disputing an alleged debt being reported and collected by this company. I timely requested debt validation under the fair debt collection practices act ( fdcpa ), but the company has failed to provide proper verification showing that I own the debt or that they have legal right to collect it. Despite my written dispute, the company has continued collection activity, including reporting the account to credit reporting agencies and/or attempting to collect the debt. this is occurring without providing required documentation such as a copy of the original contract, itemized statements, or proof of assignment from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates is reporting inaccurate and misleading information on my credit report. The account lists Portfolio Recovery as the original creditor, which is factually incorrect. Portfolio Recovery is a debt buyer, not the original creditor. 

Additionally, the account is being reported as open and placed for collection, which is inaccurate and misleading. Collection accounts are not open credit accounts. 

The account also fails to list a proper account type, further demonstrating incomplete and noncompliant reporting. 

I previously disputed this account with the credit bureau, and it was marked dispute resolved subscriber disagrees, yet the inaccurate information remains unchanged. Verification does not equal accuracy.

This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires information to be accurate, complete, and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
The loan is over 5 years old and charged off but keep adding interest on the loan and bringing my credit score down each month which is illegal to keep adding interest to a charged off account. The balance keep increasing on a charged off account. Increasing, balance, interest and fees is inaccurate and misleading unless the creditor can provide such verification that such charges are legally permissible and contractual. Im requesting you complete a full investigation into of the reported balance. Please provide complete documentation on the ongoing charges. Correct or delete the account if the balance can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
This account does not belong to me and is being reported inaccurately. I did not open, authorize, or agree to this account. I have disputed this information directly with the credit bureaus and/or furnisher, yet the inaccurate reporting persists. 

Failure to correct or remove unverifiable information violates the Fair Credit Reporting Act. I am requesting immediate deletion of this 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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: MD

Complaint narrative:
Mercury Financial Annual Fee Issue Company : Mercury Financial Product : Credit Card Issue : Improper fees/ Failure to provide required notice / Unfair practices What happened I am a Mercury Financial credit card holder and recently discovered a {$150.00} annual fee on my latest statement. My card has not had an annual fee in the past. I did not authorize this fee, nor was I properly notified about it. 
Mercury claims they sent a letter at the end of XXXX informing customers of the new annual fee and providing an opt out option. I never received this letter, and Mercury was unable to tell me when it was sent or confirm that it was actually mailed to me. They stated only that it was sent in bulk. 
Mercury regularly sends me multiple text messages when payments are due and calls if a payment is late. They did not use any of these communication methods to notify me of a major account change involving a {$150.00} fee. This is inconsistent with their normal communication practices and does not meet reasonable notification standards. 
Attempts to resolve the issue I contacted Mercury and requested : Removal of the annual fee Proof that the notification letter was sent Proration of the fee based on the 11 days the account was open this year or the amount of time to receive a payment to pay off the account and close. 
Permission to close the account without paying the fee Mercury refused all of these requests. They stated : They can not remove the fee They can not prorate the fee I must pay the full {$150.00} fee before I can close the account They can not provide proof that the letter was sent They offered only a {$50.00} credit, which I declined because I am concerned it would be treated as acceptance of the fee I have not used this card in months, and I would like to close the account, but Mercury is preventing me from doing so unless I pay the full annual fee. 
Why I believe this is unfair or deceptive Mercury imposed a new annual fee without providing verifiable notice. 
They can not prove the notice was sent. 
They did not use their normal communication channels ( text, phone ) for a major account change. 
They are refusing to prorate the fee or allow account closure without paying it. 
The fee amount ( {$150.00} ) is significantly higher than the annual fees listed in their own disclosures for similar products. 
This appears to be an unfair and deceptive practice that financially harms consumers. 
What I would like the CFPB to do I am requesting that the CFPB : 1. Review Mercury Financials notification practices regarding new or increased fees. 
2. Require Mercury to remove the {$150.00} annual fee from my account or prorate closing.

3. Allow me to close my account without penalty.

4. Investigate whether Mercury is imposing fees on consumers without proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Western Funding Incorporated practiced unlawful practices and rushed me into financing a car which Western Funding approved me for financing, the car had later found out to be in a accident that was not reported and had underlying conditions that later were found after leaving the lot. I paid XXXX $ out of pocket down at the dealership to be scammed and later have the car repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am filing a complaint regarding Chases denial of a debit card dispute and reversal of provisional credit for a high-value transaction reported as not received. 

The merchant shipped a high-value item without signature confirmation to an address with a shared mailbox. Although XXXX marked the item as Delivered, I never received it. A delivery scan does not confirm possession or receipt. 

Following the incident, I immediately reported the issue and subsequently requested and completed a XXXX mailbox lock change due to security concerns, which supports the legitimacy of my claim. 

Chase denied the dispute based primarily on delivery confirmation while disregarding the lack of signature, shared mailbox risk, and absence of proof that I actually received the item. This decision places the entire loss on the consumer despite merchant shipping choices and known delivery risks. 

I am requesting that Chase be required to conduct a fair reconsideration of this dispute, taking into account delivery security, merchant responsibility, and consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I receive a letter in the mail on XXXX XXXX  and I a judgment against me in XXXX of XXXX. I send the company a debt validation letter never receive a response. I am reaching out to the CFPB because the company will not remove the collection off my credit report. The amounts the say I owe is XXXX send the company a receipt show where is was making payment to the creditor as of today the debt was paid in full the proof is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Finance Corporation
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding improper and harassing debt collection practices and failure to respond to a documented hardship request. 

This account is a consumer installment loan. I am not refusing to pay the debt and have acted in good faith at all times. 

On XX/XX/year>, I emailed XXXX XXXX to notify them of my financial hardship and request a temporary accommodation, including a short extension and a pause on fees. A read receipt confirms that XXXX XXXX opened this email. 

XXXX XXXX did not respond to my hardship request. Instead, collection activity continued. XXXX XXXX repeatedly contacted me using multiple phone numbers, including multiple calls on the same day and on consecutive days. The calls came from numbers including ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. I have retained call log evidence showing this pattern. 

In addition, XXXX XXXX sent a representative to my home to ask when I would be making a payment. This occurred after I had already requested accommodation in writing. 

After receiving a XXXX XXXX XXXX  letter, I sent a XXXX  written response on XX/XX/year> documenting my hardship, disputing fees, requesting written-only communication, and raising concerns about harassment. XXXX XXXX did not respond to this letter and did not provide any fee breakdown or accommodation decision. 

Rather than responding in good faith, XXXX XXXX escalated the matter by filing a lawsuit in XXXX XXXX XXXX XXXX XXXX. 

I believe XXXX XXXX conduct constitutes improper and harassing debt collection practices, including repeated and excessive contact, failure to respond to a documented hardship request, and use of litigation as a collection tactic. I am requesting CFPB review and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kingston Data & Credit International Inc.
State: MA

Complaint narrative:
I had a month-to-month gym membership with XXXX XXXX, billed through XXXX XXXX XXXX. I used the services and paid while actively attending. 

In XXXX, I stopped using the gym and took steps to cancel the membership. After I discontinued use and revoked authorization for further billing, recurring charges continued to be attempted. I contacted my bank, disputed the charges, and blocked the merchant. A dispute credit was issued, reflecting the end of authorized billing. 

Despite this, XXXX XXXX continued to assess recurring membership fees after termination and later aggregated those post-termination charges into a balance of approximately {$280.00}. No signed agreement authorizing indefinite billing or post-termination fees has been produced. 

In XX/XX/year>, this amount was reported to the credit bureaus as a collection/charge-off, causing a significant credit score decrease. The reported balance is not based on services rendered after cancellation, but rather on continued billing after authorization was revoked. 

I am disputing the accuracy of this debt and the credit reporting. I am requesting that the company provide validation of the debt, including a complete itemization and a signed contract authorizing continued billing. Absent such proof, I am requesting deletion of the collection tradeline and correction of any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/year> Re : Cease and Desist Letter Regarding Harassment Dear : Spring Oaks Capital LL I am writing to formally request that you cease and desist any further communication regarding my debt account number XXXX. I believe your actions have constituted harassment under the FDCPA, which was passed by XXXX XXXX XXXX. According to the XXXX XXXX XXXX and I am requesting that you stop all forms of communication with me. Including telephone calls, letters forms of correspondence. Also removing this account from my credit report. 
Under the Fair Debt Collection Practices Act. I have the right to request that a debt collector stop communicating with me. Therefore, I expect written confirmation of your compliance with this request. 
Failure to comply with this request XXXX result in formal complaints being filed with the appropriate regulatory authorities and legal action XXXX be considered. 

Thank you for your immediate attention to the matter.

Company response to consumer: Closed with non-monetary relief
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 — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  operated by XXXX XXXX XXXX ( XXXX of XXXX ) with transactions also routed through XXXX O ( XXXX ) XXXX submitted repeated, deceptive, and fraud-like debit card charges to my Bank of America account XXXX XX/XX/XXXX and XX/XX/XXXX. These transactions were induced through misleading digital prompts, false bonus offers, manipulative gaming mechanics, and unclear purchase confirmationsresulting in multiple charges that I did not authorize or fully consent to. 
I am filing this complaint because Bank of America failed to meet its obligations under Regulation XXXX for unauthorized electronic fund transfers. 
Despite promptly reporting the unauthorized transactions and explaining the deceptive and coercive nature of the merchants conduct, Bank of America committed multiple Regulation XXXX violations, including : XXXX. Failure to properly classify the charges as unauthorized Regulation XXXX defines unauthorized EFTs as transfers initiated without clear consent, including transfers induced through deception. 
Bank of America incorrectly treated these charges as authorized, despite the misleading, coerced, or non-consensual nature oXXXX XXXX XXXX transaction prompts. 
XXXX. Failure to conduct a reasonable investigation Bank of America did not obtain or review merchant records, did not request documentation from XXXX XXXX, and did not examine evidence of deceptive digital inducement. 
The bank closed the dispute prematurely without performing the required XXXX XXXX investigative steps. 
XXXX. Failure to provide provisional credit XXXX XXXX XXXX XXXX ( d ), the bank must provide provisional credit if an investigation takes longer than XXXX business days. 
Bank of America denied or delayed provisional credit without justification. 
XXXX. Failure to block further unauthorized charges Even after reporting suspicious, high-risk activity by an international merchant, Bank of America XXXX XXXX transactions to continue. 
This violates XXXX XXXX mandate to safeguard the consumers account once unauthorized activity is reported. 
XXXX. Freezing and restricting my account due to the merchants activity XXXX XXXX  repeated charges triggered suspicious activity alerts, which led to my account being restricted/frozen. 
Bank of America then failed to provide timely resolution, further harming me financially. 
XXXX. Failure to provide required written explanations XXXX XXXX requires the bank to provide written explanations of its findings and cite evidence used to deny a claim. 
Bank of America did not supply adequate documentation or justification.

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