vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
I am a Qualified Medicare Beneficiary ( QMB ) with Medicare and Medicaid. A provider billed me {$770.00} in Medicare Part B coinsurance for an outpatient XXXX infusion claim with date of service XX/XX/year> at XXXX XXXX XXXX XXXX XXXX. Medicare shows the claim was approved but assessed coinsurance totaling {$770.00}. As a QMB, federal law prohibits providers and their agents from billing or collecting Medicare deductibles, coinsurance, or copayments from me. Despite this, I was billed and the account was referred to collections ( UCB/United Collection Bureau ) I dispute the debt because it is prohibited QMB cost-sharing and not legally owed. I request immediate correction : remove all patient responsibility, bill Medicaid as secondary as required, cease all collection activity, and do not report/furnish this disputed amount to any credit reporting agency. Documentation attached includes my Medicare claim summary showing the {$770.00} coinsurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NATIONAL DEBT RELIEF LLC
State: AZ

Complaint narrative:
I contacted National Debt Relief to pay off my debt. I was already paying XXXX XXXX XXXX  XXXX and others, who made false impersonation of who they are. So I called canceled credit sage and contacted my bank to get a refund, it is still in the process. I think its the same people that hacked my phone and now pretended to be National Debt Relief and asked for my information, my social, name, birthday and address. What fees I pay and so on. They are scammed with a made up name and email XXXX phone number XXXXXXXX XXXX XXXX. He claimed to be Debt consolidation and had all of my information but how I cute them thanks to XXXX, if I asked him for his ID number to verify the it was legit. He said he didn't have one and that is extension number is his ID. Pretending to have accept. They have all of my personal information. Can you please freeze all 3 credit accounts. They can use my information for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: MT

Complaint narrative:
Central Research Inc is reporting a federal student loan as XXXX days delinquent without ever providing notice of servicing transfer, billing statements, or an opportunity to cure. I have never received any communicationmail, email, or phonefrom this company. 

I became aware of the alleged delinquency only after checking my credit report. Despite this, Central Research Inc furnished delinquent information to credit bureaus, resulting in severe credit damage. 

This reporting is inaccurate and unverifiable under the Fair Credit Reporting Act and reflects a failure to meet federal student loan servicing requirements. 

I am requesting immediate correction or removal of the delinquency, placement into administrative forbearance, and written proof of all notices and billing statements allegedly sent. Until such proof is provided, continued reporting constitutes improper credit furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally document an ongoing and unresolved issue regarding my XXXX XXXX  credit card account issued by Capital One. 

I am the account holder. However, my account has been placed in a restricted status, and since that restriction was applied, Capital One representatives have refused to provide me with information or clarification regarding my account, despite verifying my identity. I am repeatedly told the account is restricted, yet no one will explain the restriction, discuss the charges, or provide a resolution. 

On or around my last payment, I made a payment of over {$4000.00} toward this account. At that time, I was informed that I could no longer use the card. Despite this, a charge of {$40.00} appeared on the account approximately one month later. That charge subsequently increased to over {$60.00}, presumably due to interest or fees. 

Because my account is restricted, I have been unable to access information, dispute the charge, stop additional fees, or take corrective action. The Capital One mobile app continues to display the account as restricted, and customer service representatives refuse to discuss the account with me. This has effectively left me stuck, with charges accumulating on an account I am not permitted to manage. 

At this point, I am requesting the following : A written explanation for why charges continued after I was told the card could no longer be used. 

Itemized details of the {$40.00} charge and the subsequent increase to over {$60.00}. 

Immediate removal or credit of charges, interest, or fees that posted after the account was restricted.

Closure of the account with confirmation that no further charges, interest, or fees will be applied. 

It is unacceptable that I am being held financially responsible for an account while simultaneously being denied access, information, and communication. I have made a substantial payment in good faith and have repeatedly attempted to resolve this matter directly. 

If this issue can not be resolved promptly, I will have no choice but to pursue further action through formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate channels. 

Please respond to this matter in writing as soon as possible. 

Sincerely, XXXX XXXX XXXX Account Holder

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: NY

Complaint narrative:
I am filing a complaint regarding my private student loans originally issued by XXXX XXXX XXXX I borrowed approximately {$37000.00} across three loans while attending XXXX XXXX. These loans were marketed to me at XXXX XXXX XXXX without clear disclosure of long-term financial risk, federal alternatives, or the consequences of variable interest. These loans have carried interest rates between XXXX XXXX and XXXX XXXX, which has caused nearly XXXX years of negative amortization despite on-time payments. To date, I have paid {$85000.00}, yet only {$9000.00} has gone toward principal. The remaining payments have gone to interest and fees. The total accrued interest is now {$110000.00}. Current monthly payments are around {$900.00}, and the balances continue to grow. I believe these loans were : Issued under predatory terms Designed to trap borrowers in long-term interest cycles Serviced in a way that prevents meaningful repayment Part of a well-documented pattern of abusive private lending by XXXX in the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
My bank Chime is refusing to allow me to transfer funds from my account via ACH unless I activate a debit card. The account is open and funded, and I am not attempting a card-based transfer. I have access to the account via web and app so access precaution is not a concern. I was not informed that debit card activation was required to access or transfer my funds. I believe this is an unfair restriction on account access and was not properly disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I am filing a complaint regarding repeated payment processing failures, contradictory communications, and improper account suspension by Bank of America related to my credit card account. 

On XX/XX/year>, I successfully made a credit card payment to XXXX using my bank account ending in XXXX. On XX/XX/year>, I used the same verified and active bank account to make a payment to my Bank of America credit card. Bank of Americas system incorrectly stated that the payment account did not exist, despite the account being valid and confirmed by my bank. 

As a result of this system error, Bank of America marked my account as overdue, assessed penalties, and suspended my account. 

After escalating the issue to Bank of America executive management, I received a phone call from a Bank of America representative who explicitly stated that : My account was not suspended No negative credit reporting had been sent The payment issue had been resolved However, just a few hours later on the same day, I received a written notice from Bank of America stating that funds could not be withdrawn from my payment account and that my credit card account was suspended again. 

These communications directly contradict each other and demonstrate that the underlying payment system issue has not been resolved. Despite assurances, my account status was adversely affected again, creating ongoing risk of improper fees, restrictions, and potential credit reporting harm. 

This issue is not due to any failure on my part, but rather an internal Bank of America system or processing error. I have attempted to resolve this through customer service and executive escalation, but the problem persists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In early XX/XX/year>, I became the victim of a phishing and impersonation fraud that resulted in peer-to-peer payments being sent under deception. 

During the week prior to XX/XX/year>, I received a fraudulent email claiming to be from a wireless provider regarding expiring rewards. After interacting with the link, my debit card information was compromised, and my card was added to a digital wallet without my authorization. I immediately blocked the card. 

On XX/XX/year>, I received a phone call from an individual impersonating my financial institution. The caller ID displayed my banks name, and the caller referenced my account accurately, which led me to believe the call was legitimate. The impersonator claimed there was active fraud on my account and stated they were assisting me with securing it. 

While the fraud was ongoing, the impersonator instructed me to move funds as part of a supposed fraud-prevention process. Acting under deception and without informed consent, I followed those instructions, which included sending funds using a person-to-person payment service. I later confirmed with my bank that the caller was not affiliated with them and that I had been scammed. I reported the incident immediately. 

I contacted my financial institution multiple times, including speaking with supervisors, and requested that a fraud claim be opened based on impersonation and account takeover. I was informed that no claim would be filed and that liability was assigned to me because the funds were moved, despite the documented deception and the fact that the actions occurred during an active fraud event. 

At my banks direction, I contacted XXXX XXXX to report the transaction. XXXX XXXX confirmed that person-to-person payments are not technically reversible but logged the incident as impersonation fraud ( XXXX XXXX case number XXXX ). 

I filed police and FTC reports and requested written documentation and escalation from my bank, but I did not receive a written determination addressing the impersonation and account takeover. I am submitting this complaint because I believe my bank did not fairly consider the role of deception and lack of informed consent and instead relied solely on the fact that funds were moved to assign full liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX Name : [ XXXX ] Account Number : [ XXXX ] Date Reported : [ XX/XX/year> ] Amount : [ {$720.00} ] XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to formally dispute an inaccurate collection account that appears on my credit report. Upon reviewing my report, I found the following account that I believe is being reported in error : if failure to remove this inaccurate account from my credit report, I will be getting my attorney involved. I have supporting proof to resolve my case. I have already disputed this item previously, but it still appears on my report despite being inaccurate. I am requesting that this account be reinvestigated and removed from my credit file, as it is negatively affecting my credit standing.

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 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I paid off XXXX XXXX XXXX credit card on XX/XX/year>. The payment was due in XXXX day and with the bustle of the holiday the payment slipped my mind. My outstanding balance was less than {$50.00} which I paid in full. I was assessed a {$30.00} late fee and a {$2.00} paper statement fee. When I called to ask for a refund of the fee they offered {$15.00} and told me I would be assessed another late fee of up to {$41.00} because I was late paying the late fee. I find being charged XXXX in late fees and a statement fee for a card that was paid in full two days late with a balance of less than {$50.00} is egregious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I closed the sale of my home on XX/XX/year> ( XXXX XXXX : XXXX ). My loan was paid in full as part of that closing. Under RESPA 12 CFR 1024.34 ( b ), the servicer was required to refund my escrow balance within XXXX business days. It has now been over 100 days. I believe my account was lost in the transition during the Rocket Mortgage acquisition of XXXX XXXX. Furthermore, the servicer failed to notify my homeowners insurance of the payoff. I am requesting an immediate refund of my escrow balance with interest and confirmation that the insurance termination notice has been sent. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am formally disputing all records you have on file associated with my name, Social Security Number, or other personal information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have any inaccurate, incomplete, or unverifiable information immediately removed. 

I also assert my rights under the Uniform Commercial Code ( UCC ) and applicable consumer protection laws to ensure that all reporting on my identity is accurate and legally valid. Any failure to verify and remove false information is a violation of federal law. 

I am demanding the following : 1. Conduct a full investigation into my records.

2. Remove anything that can not be verified.

3. Notify any third parties who received false information.

4. Provide me written confirmation of your actions. 

If this is not resolved properly and promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), FTC, and pursue all legal remedies available. 

This is a formal notice. I expect immediate compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XXXX XXXX XXXXXXXX, in accordance with GoodLeap and XXXX XXXX, I arranged for the installation of solar panels in my home. According to their promise, they would be operational by XX/XX/XXXX. They were installed approximately between XXXX and XXXX of the same year, XXXX. When XXXX came, they did not work and they do not work to this day, as they have not passed city inspection and other issues. I want to add that GoodLeap started deducting the payment from my bank account from XX/XX/XXXX, which we had agreed would only be deducted once they were operational. Another thing they did not respect, since it is XXXX and they still do not work. I have contacted both companies numerous times, not only to request the cancellation of the loan contract but also to require the repair of my house roof, since the installation of the panels damaged the roof and, since their installation, water leaks in every time it rains. The floor has already been replaced twice, and they do not want to repair it, arguing that they are not responsible. According to GoodLeap, the Company that is attached to them, which is XXXX XXXX, they closed it and gave the project to many different companies, arguing to me that they can not cancel either my loan or the project in any way, stating that access to the panels is not granted, which is false since in the videos from the exterior cameras I can prove the numerous occasions that they have come, with not only people to take photos, but as well as with drones and different equipment. So how is it possible that they invest in company after company and do not want to repair the roof damaged by their poor installation, which was made known to them from the time it was installed? They do not want to cancel the contract, though they were the ones who did not fulfill : Number 1.- the promise that they themselves came to offer me personally, 2.- to repair the damage caused to my property, 3.- cancel the load for a service that does not exist and never existed. This fraud on Goodleaps part, as well as every company they have sent, and likewise, there are thousands of people who are Going through the same fraud with Goodleap. After XXXX  years of investigation that I conducted on Goodleap, I am requesting your intervention in this situation since they ( Goodleap ) tell me that they can not do anything regarding the contract cancellation request. They offered me an incentive, perhaps so I will continue waiting for another XXXX  years, which I find offensive. After charging me for nothing the past XXXX  years and having a loan for a service that I do not have and have never had. This situation goes against all laws and consumer protection as well as the rights of their clients. I kindly request your intervention to resolve this. I thank you in advance for any action on the part of your department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/XXXX, I reported XXXX unauthorized charges on my GM Rewards Mastercard. I was told by the card issuer that the transactions would be reviewed and removed. Based on that information, I closed the account. 

I did not authorize these transactions. 

In XX/XX/XXXX, I received a notice stating that my payment was late for the disputed charges and that a {$30.00} late fee had been added. This was the first time I was made aware that the charges were not removed. 

After contacting the company again, I was told that my fraud dispute had been denied, allegedly because the card was in my possession and XXXX chip technology was used. I was informed that letters were sent on XX/XX/XXXX and XX/XX/XXXX, but I was not clearly notified in a way that required action, nor was I warned that the balance would age or incur penalties. 

The company : Denied my fraud claim without meaningful explanation Failed to ensure clear, actionable notice Allowed a disputed balance to become past due Added a late fee improperly Potentially exposed me to negative credit reporting Regardless of the transaction method used, I did not authorize the charges. Chip usage does not prove authorization. Additionally, penalties should not be applied to balances under active dispute, particularly when the account was closed based on the companys representations.

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