vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
On or about XX/XX/XXXX, I requested validation of an alleged medical debt being collected by Medical Recovery Services , LLC. I specifically requested verification of the debt and an itemized billing statement identifying the dates of service, charges, adjustments, and how the balance was calculated. 
I was informed by the collector that I would be required to sign a HIPAA authorization in order to receive this information. I did not sign a HIPAA authorization. As a result, I did not receive validation or an itemized statement in response to my request. 
The billing documents later produced by the collector reflect a statement date of XX/XX/XXXX with a due date of XX/XX/XXXX. Despite this stated due date, the collector asserts that interest began accruing earlier, beginning on XX/XX/XXXX, and continued collection activity prior to the stated due date on the billing statement. 
Additionally, prior to and during the collection process, the collector engaged in extensive third-party contact activity. This included contacting my current employer, former employers, and attempting to contact an individual incorrectly identified as my spouse, despite that individual not being my spouse. These contacts occurred even though the collector already possessed my current mailing address and phone number. 
I believe these third-party contacts exceeded what was reasonably necessary to locate me and resulted in disclosure of my personal and employment information to third parties. I did not authorize the collector to contact these individuals or entities regarding the alleged debt. 
Despite my request for validation and the lack of a response providing the requested documentation, the matter was escalated to legal action. I believe I was served with a lawsuit on or about XX/XX/XXXX, before validation was provided. 
I am submitting this complaint to document concerns regarding failure to provide validation upon request, conditioning validation on execution of a HIPAA authorization, inconsistent billing and interest dates, continued collection activity prior to the stated due date, and extensive third-party contact during the collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
Formal Dispute & Demand for Full Loan Discharge To : MOHELA XXXX XXXX Department of Education ( XXXX XXXX XXXX ) Date : XX/XX/XXXX Account Number : [ Your Account Number ] Subject : NOTICE OF DISPUTE DEMAND FOR FULL BALANCE CANCELLATION To Whom It May Concern : I am submitting this formal dispute regarding the entirety of my student loan balance, totaling {$110000.00}, and I am demanding a full discharge of this debt based on both my pending XXXX XXXXXXXX XXXX XXXX  ( XXXX  ) claim and systemic servicing failures currently being litigated against MOHELA. 

Basis for Dispute XXXX. XXXX XXXX XXXX XXXX Closure My loans were obtained to attend the College of XXXX XXXX, which engaged in deceptive practices and ultimately closed on XX/XX/XXXX. 
My pending BDR claim documents the misrepresentations made by the institution that directly led to this debt. 
XXXX. Servicing Misconduct ( XXXX XXXX XXXX  Litigation ) MOHELA is actively being sued for systemic mismanagement, Kafkaesque delays, and consumer harm as of the amended XX/XX/XXXX complaint. 
Specific failures affecting my account include : Blocked Account Access : Preventing me from managing my debt or making payments. 
Balance Inflation : My account balance increased by over {$4000.00} while in forced administrative status. 
Inaccurate Reporting : Displaying erroneous due dates in XXXX, preventing proper repayment tracking. 
Improper Handling of XXXX : I have been enrolled in XXXX XXXX ( XXXX ) since XXXX, yet XXXX  mismanagement has prevented accurate accounting and processing of my payments. 
XXXX. Failure to Process Discharge Despite the school closure and my pending XXXX  claim, MOHELA has failed to initiate a discharge, in violation of federal student aid regulations and consumer protection law. 

Misinformation from XXXX : The last representative I spoke to stated that my payments would resume in XX/XX/XXXX and that I did not need to take any action in the meantime. This misinformation contributed to confusion and improper handling of my account. 

Demand for Action I request that MOHELA and the XXXXXXXX XXXX XXXX XXXX XXXX Immediately cease all collection activity. 
Freeze all interest accrual on my account. 
Implement a full discharge of the {$110000.00} loan balance without delay. 

I will not accept administrative forbearance or other temporary measures in place of the relief I am legally entitled to.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DriveTime
State: TX

Complaint narrative:
I am filing a complaint regarding a subprime auto loan issued by Synchrony Bank, purchased through XXXX for a XXXX XXXX XXXX. 
The car was purchased on or around XX/XX/XXXX. List price was roughly {$18000.00}, I put around {$3000.00} down at time of purchase. 

At the time of purchase, I was told that the extended warranty ( through XXXX XXXX ) covered basically everything and that if I later cancelled the warranty, my monthly payment would be reduced. Neither statement has proven true. The warranty has failed to cover significant repair issues that began approximately XXXX month after purchase, and cancelling the warranty only reduced the loan balance by about {$2000.00} without lowering the monthly payment. 

The car broke down in early XXXX of XXXX, roughly XXXX months after purchase. It was towed to an approved mechanic through the warranty I was sold. I was quoted roughly {$4000.00} for repairs to the Evap system which I was told was not covered under the warranty. The warranty placed me in a rental vehicle, XXXX that was more per day than other options I looked at. Once the claim was denied they refused to reimburse for the rental they put me in. I was forced to pay the full rental price, then pay out of pocket for repairs. The rental cost was roughly {$300.00}, with diagnostic plus towing fees equaling roughly {$500.00}. This was paid out of pocket due to denial of claim. The cost of repairs through a family mechanic was roughly {$300.00}. The issue was fixed, within XXXX months of repairs new issues arose which have yet to be fully repaired. 

Additionally, the vehicle has an open safety recall involving potential engine failure and loss of power while driving. When the recall was disclosed I was told it was an oil related issue and would not effect the safety of the vehicle. Safety was important to my purchase decision as I have children in the car daily. I was led to believe this recall was not dangerous, which I now understand to be inaccurate and a serious safety concern. 

Despite paying approximately {$500.00} per month for a full year and paying over {$1000.00} out of pocket for repairs, I still owe approximately {$17000.00} if I were to pay off the vehicle today. I have attempted to resolve this situation directly but have not been offered meaningful assistance, refinancing options, or payment relief. 

I believe the sales representations regarding the warranty, payment reduction, and safety of the recalled vehicle may constitute deceptive or misleading practices. I am requesting regulatory review and assistance in reaching a fair resolution, which may include loan restructuring, reduction of the balance, or other equitable relief. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX man and have been a victim of elder financial exploitation fraud. I received a text from " XXXX XXXX '' saying they have security measures in place and saw that someone was trying to steal from me. they had me download apps in order for them to take control of my phone. Eventually, they got someone from my bank, XXXX, on the phone. The agent from " XXXX '' told me he either had to freeze all my money for 180 days or that he could set up an account at a different bank for me to keep my money safe from the scammers. They gave me an account number for Wells Fargo and told me not to tell anyone because scammers could be listening over the phone. They also told me to tell the bank teller it is for a special reason. I went to XXXX and the teller asked what I was transferring the money for. I told her for a special occasion. That was it. She " verified '' the Wells Fargo account was in my name and submitted the wire. After I talked to my granddaughter the same day, she drove me back to XXXX telling them this was clearly elder financial coercion and asked them to stop the wire. This was after XXXX so the teller told us that the wire department was closed. The teller sent an email out to the wire department to see if they could do anything on Monday morning.

We called Wells Fargo fraud department - XXXX - and after being on the phone 45 min + and being transferred to " next steps department '', they told us they couldnt do anything since the account number I was provided no longer had my name on it. My granddaughter asked what the typical process was for this kind of wire fraud, and the Wells Fargo person told me they didnt know.

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 2026-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I am filing this complaint because my bank has failed to properly investigate and resolve several fraudulent transactions on my account. I reported the unauthorized charges to the bank on XX/XX/year>, and although the bank acknowledged my claim, not all of the fraudulent transactions have been investigated or removed. Some of these charges are still appearing on my account balance. 

I have contacted the bank multiple times to request updates and to provide any information they asked for. Despite this, the bank has closed parts of my claim without addressing all of the disputed transactions. I have repeatedly informed them that additional unauthorized charges remain unresolved, but they have not taken action. 

Below is a complete list of the unauthorized transactions that remain unresolved on my account. These charges were not made or authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized These unresolved fraudulent transactions are causing financial hardship and affecting my ability to use my account normally. I am requesting that the CFPB assist in ensuring the bank : - Fully investigates all remaining unauthorized transactions - Provides a written explanation of their findings- Corrects my account balance I am also requesting that the bank provide a clear timeline and communicate with me in writing regarding the status of my claim. 

Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
CFPB Consumer Complaint Narrative Date : XX/XX/year> Subject : Complaint Against Citibank , N.A . Citi Double Cash Account I am submitting this complaint against Citibank , N.A . regarding billing practices related to my Citi Double Cash credit card account ending in XXXX. 

During the XX/XX/year> billing cycle, Citibank assessed interest charges despite the account being under a payment program. 

Attached as Exhibit A is my Citi Double Cash account statement dated XX/XX/year>, showing the disputed interest charge. 

I dispute this charge and request CFPB review and corrective action. 

Sincerely, Sincerely, XXXX 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
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems LLC is reporting a collection account related to an alleged XXXX repossession debt. I dispute this account as inaccurate and unverified. 

A written debt validation request was sent in approximately XX/XX/XXXX, and no adequate verification, contract, payment history, or repossession documentation has been provided. Additionally, the company filed suit in a county where the consumer did not reside and attempted service at an incorrect address despite documentation reflecting the correct last known address. This resulted in improper service attempts and unnecessary legal action. Even after the person whom tried to serve consumer let the server know consumer did not live at that address and has not lived at that address for the past XXXX years they still kept it in that county. Consumer had to drive multiple times more than an hour away to handle case that finally got transferred. The case has since required transfer due to improper venue. This conduct raises concerns regarding compliance with fair debt collection practices and accurate reporting. 

A civil claim was filed XX/XX/XXXX in XXXX XXXX, XXXX Service was recorded XX/XX/XXXX, and an Answer was filed XX/XX/XXXX. Since then, multiple motions have occurred, including XX/XX/XXXX and XX/XX/XXXX. The case was originally dismissed due to them not coming to court claiming they were unaware of the court date. They filed a motion and got it open again weeks later. Despite ongoing legal proceedings, Jefferson Capital continues reporting this debt without providing proper validation. 

Prior to litigation, a written debt validation request was sent, and no adequate verification, contract, payment history, or repossession documentation has been provided. No repossession deficiency paperwork was ever received. 

This account has also been disputed with credit reporting agencies due to inaccuracies. Continued reporting without proper validation may violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
I received a debt collection letter in late XXXX XX/XX/XXXX regarding an alleged medical debt for services dated XX/XX/XXXX. The letter claimed to be from Credit Management Company on behalf of XXXX XXXX XXXX XXXX XXXX, related to XXXX XXXX XXXX  ambulance services. 

I was confused because I never received an original bill for this alleged debt, and nothing related to it appears on my credit reports. I also previously received a similar collection notice approximately 45 years ago for the same date of service. At that time, I responded in writing and provided an Explanation of Benefits ( EOB ) from my insurance company showing the claim was paid and that I owed nothing. After sending that documentation, I never received any response or further communication until this recent letter. 

Due to concerns about the legitimacy of the letter, I researched Credit Management Company online and found its official website. The phone numbers, fax number, and toll-free number listed on the letter did not match the contact information on the companys official website. I then called the phone number listed on the official website ( not the number on the letter ) and spoke with a representative.

The representative asked for a reference number. The letter referred to the number as a File Number. When I provided it, the representative stated that their companys reference numbers are 8 digits long, while the number on the letter was 9 digits. The representative attempted to locate the account using the file number, as well as my name and address, and confirmed that there is no account, no debt, and no collection activity associated with me at their company. 

Based on the mismatched contact information, invalid file number, lack of any account record with the legitimate company, absence of credit reporting, and prior proof that insurance paid the claim, I believe this letter is fraudulent and represents an attempt to collect a debt that is not owed and may not exist.

I am submitting this complaint to document the issue and to report what appears to be a scam or false debt collection attempt sent through the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am submitting this complaint to formally dispute an alleged debt being reported and collected by XXXX XXXX XXXX, located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I do not acknowledge or admit ownership of this debt. 

XXXX XXXX XXXX alleges that I owe {$15000.00} on an account associated with XXXX XXXX XXXX XXXXXXXX XXXX. I am disputing this alleged debt in its entirety. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Regulation F, including 12 CFR 1006.34 ( b ) ( 5 ), 1006.34 ( c ) ( 4 ) ( i ), and 1006.34 ( d ), I am requesting full debt validation and substantiation of this alleged obligation. 

Specifically, I am requesting that National Credit System provide the following : Proof that I have a legal obligation to pay the alleged debt A complete, itemized accounting of the alleged debt, including the original amount, interest, fees, and charges The name and address of the original creditor A copy of the original contract or agreement bearing my signature The purchase and sale agreement, assignment, or bill of sale demonstrating National Credit Systems XXXX XXXX to collect this alleged debt Proof that XXXX XXXX XXXX is properly licensed and bonded to collect debts in my state Proof that the alleged debt is within the applicable statute of limitations Despite the absence of proper validation as required under XXXX XXXX XXXX, XXXX XXXX XXXX has furnished this alleged debt to XXXX XXXX  and XXXX. 

I am hereby revoking any and all prior consent for XXXX XXXX XXXX to contact me by telephone calls, text messages, emails, or any electronic means. All future communication regarding this matter must be made in writing only and sent via XXXX Mail. 

Furthermore, furnishing information to consumer reporting agencies without first conducting a reasonable investigation and ensuring the accuracy and verifiability of the information may constitute a violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ). 

Any continued collection activity or credit reporting without first providing proper validation and substantiation constitutes a violation of the FDCPA, Regulation F, the FCRA, and applicable state and federal laws. 

I am requesting that XXXX XXXX XXXX either : Provide the full validation and documentation requested above, or Cease all collection activity and permanently delete any reporting of this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: AL

Complaint narrative:
They issued me a XXXX XXXX. This is XXXX XXXX who I bank with they issued me a payday loan on the XXXX and then another XXXX on the XXXX. Then they demanded it be paid on the XXXX. They took all deposits that I had coming in knowing that I thought I was getting a XXXX  day payday loan they will not fix it. I do this payday loan just about every month and every month it gets paid back and every month I take it out again. They allow that this month they decided to make it be paid on the XXXX as if they change their mind if they had changed their mind and they shouldve not have issued it to begin with, but they have left me in a XXXX of a bind. I have started moving my deposits to another bank, but what they have done is lowdown and mean, and they should not be able to do it to another customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: Chime Financial Inc
State: NV

Complaint narrative:
I am filing a complaint regarding Chimes handling of an unauthorized transaction dispute on my account. 

I reported unauthorized debit card transactions totaling {$580.00} ( Claim ID XXXX ). These charges were made through XXXX merchants that I did not recognize, authorize, or knowingly link to my Chime account. 

Chime denied my dispute, citing internal evidence such as device usage and login history, but did not provide proof of affirmative authorization by me. Repeated micro-transactions are consistent with unauthorized or compromised activity, not intentional consumer spending. 

I promptly reported the transactions once discovered and cooperated fully with the investigation. I believe Chime failed to properly apply Regulation E protections for unauthorized electronic fund transfers.

I am requesting : Full credit amount of my dispute Proper application of Regulation E Reimbursement of the unauthorized funds I have already submitted a formal appeal directly to Chime and am requesting CFPB assistance to ensure fair and lawful handling of this matter

Company response to consumer: Closed with explanation