vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding a debt collection company that has failed to respond to my written request for debt validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ). The company name is : Midland Credit Management Account Number : XXXX On XX/XX/year>, I mailed a written debt validation request to the company via regular mail. The letter requested validation of the alleged debt pursuant to my rights under the FDCPA. The company received the letter on or about XX/XX/year>. As of today, I have not received any response, documentation, or validation of the alleged debt. Despite this, they are still reporting on my credit profile. Under federal law, a debt collector must cease collection activities until proper validation is provided. The companys failure to respond and/or continued collection efforts without validation appear to be violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Tried on several past occasions spanning over 3 years to ask for steps and procedures on how to make straight to principle payments. Was told to make 2nd payments behind monthly payment and those would apply to principle. In reality they were just applied to next monthly payment and pushed back due date. And today ( XXXX ) I was informed by 2 separate representatives ( one from a corporate hotline and XXXX at the XXXX, Texas branch ) that their system does not allow for straight to principle payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I have had this mortgage for over 11 years and paid perfectly. The escrow pymmt increased by {$97.00} for XXXX XXXX XXXX My bank was auto paying so paid the old bill amount for both the XXXX XXXX and XXXX XXXX due dates. Thus my XXXX XXXX payment was {$97.00} cents short on XXXX XXXX XXXX XXXX XXXX I realized the increase very quickly from the XX/XX/XXXX pymt and sent them the make whole amount of {$190.00} ( XXXX XXXX ) on XX/XX/scrub>XXXX XXXX XXXX I also corrected my bank 's auto payment going forward to the correct increased amount. I further called on XXXX XXXX XXXX and talked with an account representative. She stated she would note the fix on the account and it would be adjusted. It is XXXX XXXX and Freedom Mortgage is saying I haven't paid correctly. They have assessed {$240.00} in fees. I have called yesterday and was hung up on. I called again today and was hung up on. I have called a 3rd time. I have now been on hold 45 minutes. Please note my escrow has never had a balance less than {$450.00} so they were never shorted. In fact the balance averages about $ XXXX a month- and they keep the interest those sitting funds earn. Charging {$240.00} in fees and growing for a one month oversight is ursury.

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 2026-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a Bank of America email on XXXX XXXX XXXX confirming that my online banking password was successfully reset. I did not initiate this request and I do not have an active Bank of America account. I contacted Bank of America customer support and was transferred to the fraud team. The representative confirmed that the email alert was legitimate and not a phishing attempt. However, I was told that no investigation could be opened because I do not have an active account. The representative also stated that someone else may have used my email address to create an account or online banking profile. This is a serious security concern involving potential unauthorized use of my personal information. Despite this, Bank of America refused to investigate or confirm whether any account or profile exists associated with my email. I am requesting that Bank of America : * Confirm whether any account or online banking profile ( active or inactive ) is associated with my email address or personal information * Investigate potential unauthorized use of my identity or email within their systems * Remove my email from any unauthorized or incorrectly associated account or profile Additionally, the handling of this issue by customer support was inadequate. My request for escalation was denied, and the call was disconnected while I was attempting to resolve a legitimate security concern. I am seeking a formal review of this matter and confirmation that my personal information is not being used without authorization.

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 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
A few years ago, I had a XXXX provider as my cell phone service after many years my contract expired, and I do not have any contract with them. I did stay with them even with no contract and I was paying the monthly bill. I tried to change the service provider and I told them that I canceling the XXXX because Im no longer in the contract and then Im finding other. I tried to cancel them so many months they did. They just keep sending me the bills and I just went a few times to the rental store as well to cancel them. They said they got ta cancel but theyre still sending the bills they never canceled so that happened XXXX months and I decide after that period time to just not pay anymore and went through a XXXX XXXX and they just kept sending me the bills which I didnt even use the service for I was not in a contract with them anymore and if I am, please provide some app approves that shows that theyre right right now they put me on the collectors depth for XXXX dollars theyve been sending this to different collection agencies. I did respond to each XXXX and the last XXXX collection agencies not responding to me at all and they just asking for a {$670.00}. I did send a letter to them disputing this I did send to each XXXX XXXX XXXX and. experian for this problem, but they still put me on the as right amount I asked for any proves nobody can show me any proves that this is legit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BROKER SOLUTIONS, INC.
State: MN

Complaint narrative:
I am XXXX and a recent retiree. Since retiring, my income has been cut in half. I built my home in XXXX. I would like to stay in my home. I first contacted New American Funding XX/XX/XXXX, to let them know my income has changed and cut in half and that I would like my mortgage payment lowered to meet my current income. I tried to refinance with New American and they said I don't meet the XXXX ratio requirements to refinance. New American told me to apply for the Home Retention Loan Modification to see if I can lower my mortgage. They kept saying to me, it wasn't a guarantee. I have missed three mortgage payments to include XX/XX/XXXX. I have bills to pay, IRS etc. On XX/XX/XXXX, I received a letter from New American Funding that I was approved for the TPP ( Trial Period Plan ) for the amount of {$2000.00}, for three months and then after successfully making the 3 payments that would be my new permanent mortgage payment going forward. I currently pay {$2400.00} ; however, I was able to pay that when I was working and additional income. According to the IRS Guidelines and Federal Register, homeowners can apply for the Home Loan Modification when unable to make mortgage payments and prevent foreclosure. IRS Guidelines and Federal Register indicate that ( FHA and non-FHA ) can mortgage loans can get their mortgage payments reduced by 31 % of their gross income. So, I make {$3600.00} per month, and 31 % is {$1100.00}. If you subtract that amount by what I pay currently for my mortgage, I get {$1300.00}. The New American Funding TPP mortgage payment is only a {$420.00} difference. The payment is much too high for my current income and bills, that I have to pay. Also, the IRS Guidelines indicate that any missed payments can be calculated at the end of the mortgage and not upfront and the normal 30 year mortgage can be extended to 40 years or 480 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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:
I opened a credit card for XXXX XXXX via Comenity. After a month I called to make my first payment, paying off the card in full. I reside in Texas ( Central Time ). I called before XXXX and made the payment before XXXX. I was charged late fees and interest because it wasn't made by XXXX Eastern Time . Even though the card had been paid in full, this started a spiral of interest and late fees. I finally called to pay the interest and late fees and close the card entirely, but they still charged more interest and fees after that. I just got off the phone with them for the fourth time and was told that I am not able to pay the ca d off until XX/XX/XXXX when more fees will be added. I have AMAZING credit and pay off ALL credit cards every month. I have never had a situation like this before and I assume that there are some consumer protection laws to assist people encountering these types of issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Im a victim of identity theft and someone opened up alot of accounts with my name, theyre currently in jail with my name also in XXXX illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was ripped off from a company that I reached how to that doesnt have a physical address. I provided proof that I have reached out to the fraudulent company numerous times with no response My dispute with a credit card company that Ive had for 13 years was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I am filing a formal consumer protection complaint against XXXX XXXX XXXX ( Account ending in XXXX ) for direct, systemic violations of the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of XXXX ( 12 CFR 1026.52 ( a ) ). A forensic audit of my account statements confirms that this issuer is engaged in unlawful fee-harvesting and balance-inflation schemes specifically prohibited by federal law. VIOLATION 1 : DISREGARD OF THE 25 % FIRST-YEAR FEE CAP ON DAY ONE Under 12 CFR 1026.52 ( a ), total account fees charged to a consumer during the first year can not exceed 25 % of the initial credit limit. My account was issued with a {$500.00} credit limit, placing a strict statutory fee ceiling of exactly {$120.00} for the entire first year. Despite this explicit federal limit, Imagine 's very first opening statement ( closing XX/XX/XXXX ) proves that they billed a {$120.00} Annual Fee on XX/XX/XXXX, and immediately tacked on a {$1.00} " Credit Protection Fee '' on XX/XX/XXXX. This resulted in an opening statement fee load of {$120.00}, breaching the federal fee cap on day one before I ever made a single retail transaction. VIOLATION 2 : ILLEGAL EXCESSSIVE FEES AND MANUFACTURED OVER-LIMIT TRAP Imagine Credit Card continued this predatory fee generation over subsequent billing cycles. As of my XX/XX/XXXX statement, the company has packed a total of {$140.00} in Year-to-Date fees onto my account, overcharging me by {$15.00} in direct defiance of the CARD Act. Furthermore, Imagine utilized these illegal fee overcharges to intentionally engineer an over-limit status on my profile. On XX/XX/XXXX, I made a timely payment of {$36.00}. Despite keeping my actual retail spending minimal ( {$29.00} combined at XXXX and XXXX XXXX ), Imagine hit my account with an additional {$7.00} " Credit Protection Fee '' and {$14.00} in monthly interest ( calculated at a high 36.00 % fixed APR ). These automated finance charges instantly drove my balance to {$520.00}, forcing my account {$20.00} over-limit. SUMMARY OF DAMAGES : Imagine Credit Card is compounding high interest on an unlawfully inflated balance. They are demanding a bloated minimum payment of {$60.00} by XX/XX/XXXX, to clear an overage that they entirely engineered out of junk fees. Out of a total claimed balance of {$520.00}, a forensic audit reveals that {$140.00} consists of fees and {$26.00} consists of interest. Over 32 % of the debt claimed on this account is completely artificial inflation.

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 2026-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NFM, INC
State: AZ

Complaint narrative:
I requested information from my lender regarding the rate lock timing, loan terms, and closingrelated disclosures. The company provided a written response on XX/XX/year>, but several statements in that response were inaccurate or contradicted documented communications. For example, the response stated that no lock discussions occurred prior to XX/XX/XXXX, but the loan officers voicemail references earlier lock activity. The response also stated that no written requests were received, but the voicemail acknowledges receiving my email. The response listed an incorrect insurance transmission date, even though internal communication shows it was sent earlier. I provided the lender with evidence showing these contradictions and requested a corrected written response, but the company did not reply. The company also stated that certain disclosures were provided on specific dates, but my records show these disclosures were either not provided or were provided later than stated. I am asking the CFPB to review this matter and require the lender to provide an accurate written response that reflects the documented communications and timeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I am disputing a medical collection account being reported by MED DATA SYS on behalf of XXXX XXXX ( Account XXXX ) that appears on all three of my credit report with multiple errors. The errors are inconsistent data across the bureaus, conflicting comments : one states Medical and other the subject lines is empty, and " placed or collection ''. There is no proof that I authorized the release of my medical information to MED DATA SYS for third party collection. Under HIPPA, my medical information is protected and can not be shared with a third party including bill collectors and or credit bureaus without my express written consent. Additionally under Credit reporting Act ( FCRA ), information must be accurate and verifiable. A full investigation into the legality of this account 's reporting. Proof of the proper HIPPA authorization was obtained to share and report this medical debt. Removal of this account to all three credit bureau if verification can not be provided. i am requesting a full ligation into the legality of this account 's reporting. Proof that the proper HIPPA authorization was obtained to share and report this medical debt. Termination of the collection and immediate removal of this account to all credit bureaus if verification can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: FL

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 2026-05-13 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: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I am filing a formal complaint against Avant , LLC regarding my credit card account. Avant is currently in direct violation of the CARD Act of XXXX ( 12 CFR 1026.52 ( a ) ), which mandates that total fees charged to a consumer during the first year an account is open can not exceed 25 % of the initial credit limit. My account was opened in XX/XX/XXXX with a credit limit of {$300.00}. Therefore, the maximum allowable fees Avant can legally assess during the first year is exactly {$75.00}. Avant immediately charged a {$75.00} annual fee, hitting the absolute legal maximum limit. Despite reaching this threshold, Avant has continued to assess monthly " Payment Protection Service '' fees ( {$4.00} on my XX/XX/XXXX statement and {$4.00} on my XX/XX/XXXX statement, among others ). As verified by my XX/XX/XXXX statement and forensic accounting ledger, my Year-to-Date total fees stand at {$92.00}. This exceeds the federal 25 % statutory limit by {$17.00}. Furthermore, these illegal fee overcharges directly caused my account balance to breach my {$300.00} credit limit, resulting in an artificial over-limit status and subsequent interest compounding on an illegally inflated balance ( {$8.00} in interest charged on my XXXX statement alone ). Avant has failed to enforce its own stated 1st-year fee cap of {$75.00} and is engaging in unlawful, predatory lending p ractices that violate federal consumer protection laws.

Company response to consumer: Closed with explanation