vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hollis Cobb Associates
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX, WA Subject : Improper Collection Activity by Hollis Cobb Associates on Fraudulent Medical Debt Billing Number : XXXX Visit Number : XXXX Summary of Issue Hollis Cobb Associates is attempting to collect on a fraudulent medical debt tied to Billing Number XXXX, despite : A prior CFPB complaint An FTC identity theft report A local police report A previous collection agency confirming the information was incorrect Evidence of altered billing documents Evidence of identity theft Evidence of fabricated medical charges This account is fraudulent and should never have been placed with any collection agency. Key Evidence 1. Fraudulent Office Visit Charge The first fraudulent charge appeared the month after I moved to XXXX, described as an office visit using bogus medical billing numbers. I was not in Georgia at the time. 2. Altered Billing Documents Two bills were issued : XX/XX/XXXX bill XX/XX/XXXX bill Both contain : Identical visit number ( XXXX ) Identical total charges ( {$84000.00} ) Identical date of service ( XX/XX/XXXX ) Different SecureHealthCodes Different addresses Different amounts due A XXXX hardship block removed in the second bill Mismatched PO Boxes A fraudulent payment portal The second bill appears to be a corrected version of the first, indicating manual document manipulation. 3. False Claim That I Was Unreachable XXXX claimed they could not reach me, but : I began receiving bills in XX/XX/XXXX A previous collection agency confirmed this claim was false 4. Improper Collection Placement The fraudulent account has now been sent to : A previous collection agency Hollis Cobb Associates Both received inconsistent and suspicious information. Requested Action I am requesting that the CFPB : Open an investigation into Hollis Cobb Associates Require immediate cessation of all collection activity Require deletion of any credit reporting Investigate XXXX XXXX for document alteration Flag Billing Number XXXX as fraudulent Coordinate with the FTC and local law enforcement

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this complaint regarding Midland Credit Management 's reporting of an alleged collection account ( account XXXX, original creditor XXXX XXXX XXXX ) and its failure to conduct a meaningful reinvestigation in response to my formal dispute. The account is reported with a date opened of XX/XX/XXXX, which is the date Midland purchased the debt, not the original date of first delinquency with XXXX XXXX XXXX. Under FCRA Section 605 ( c ), the seven-year reporting period runs from the original date of first delinquency on the underlying account, regardless of sale or transfer to a debt buyer. Reporting the purchase date as the account open date constitutes re-aging and may unlawfully extend the reporting period. I submitted a certified mail dispute to XXXX ( received XX/XX/XXXX ) demanding : the original account number with XXXX XXXX XXXX ; the original date of first delinquency ; the chain of assignment ; and any signed agreement establishing my liability. Midland certified the information as accurate without producing this documentation. Midland 's verification without producing the original date of first delinquency violates FCRA Section 623 ( b ). I request that Midland delete this tradeline from all credit bureau reports or produce original documentation establishing the correct reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Saw a charge on my card i did not recognize. Called immediately. They said they would start a fraud claim but heard nothing. Now it was closed in the merchants favor. I have never done business with this merchant and my card was used without my permission. I did not benefit from whatever was purchased. My card should have been canceled immediatley but I can't tell Citi how to do their business. Now i would like this reopened as fraud, Who ordered this? Who signed for it? This charge needs to be reversed asap. Dispute Details Case ID XXXX Reason for Dispute Unrecognized charge Card Details Card ending in - XXXX Credit Status {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Lender sending messages to unauthorized contacts about my vehicle loan. " Dear -- -- - -- --, XXXX XXXX is offering you a {$250.00} incentive for the voluntary surrender of your vehicle, XXXX XXXX XXXX XXXX XXXX XXXX. Return the vehicle and keys within 48 hours to claim your {$250.00}. The vehicle must be operational and in driving condition Call XXXX Option 4, Monday through Friday XXXX - XXXX XXXX for details. Please click here for all Terms and conditions to voluntarily surrender your car : XXXX XXXX XXXX To opt out from further texts, please respond STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/2026 To whom it may concern : I would like to file a complaint against Synchrony bank for intentionally ruining and destroying my credit out of cruelty, prejudice, racism, and bias. Synchrony has recently sent me back-to-back letters regarding every credit card account that I have with merchants sponsored by Synchrony. Cards that are in excellent standing and had limits from {$1000.00} to {$5000.00}. XXXX # XXXX, XXXX # XXXX, Care Credit # XXXX, XXXX XXXX # XXXX, and XXXX # XXXX, etc. All card limits have been unjustifiably reduced thereby destroying my credit files. They have unjustly closed cards as well. Synchrony bank is XXXX, discriminatory, and biased, they have continually monitored my credit files since they gave me these cards. I have paid all of my monthly payments on time, and Ive always paid them over the requested payment amount each month. The reasons they used to reduce my credit limits are biased and unjust. I have XXXX debts that are COMING OFF of my credit files in 2026, and Synchrony is now judging me on old credit information, after I've had my cards for some time. They claim that I have too many inquiries. ( I JUST RECENTLY PURCHASED A VEHICLE ) of course the dealerships checked me out. They are lying and claiming that I have recency of balances over limit on XXXX Accounts. Any over limits are now caused by Synchrony unjustly reducing my credit limits with the cards I have with them, thereby making it look as though Ive spent up to the maximum limits, and that is not true, Synchrony has orchestrated this. They claim that I dont have enough total credit lines ( BOLD FACED UNJUST LIES ) They claim that I have non-mortgage accounts is too high. ( This is Synchrony 's wording ). ( THAT IS A LIE, I HAVE NO ACCOUNT HIGHER THAN A MORTGAGE ACCOUNT ). I don't have a mortgage, and it seems that they are disparaging me because I don't have one.

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 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding a deferred interest charge on my XXXX account ending in XXXX. I missed the promotional expiration date of XXXX by only XXXX days. The promotional terms were presented deceptively at the point of sale. The marketing heavily emphasized " 0 % Interest '' or " No Interest '', but buried the predatory nature of " Deferred Interest '' - which penalizes consumers on the full historical balance rather than the remaining balance- in obscure fine print. I have a strong, consistent history of paying on time, and the immediate application of {$3800.00} in back interest at 34.99 % is entirely disproportionate to a minor timing mistake. As a resolution, I am requesting that Synchrony Bank retroactively waive or credit back the deferred interest charge. I have paid the remaining principal balance of {$2900.00} on XXXX to close out this promotional period

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
What happened? : I am filing this complaint because Wells Fargo implemented a confusing, multi-stage fee restructuring on my Everyday Checking account ( Account ending in ... XXXX ) that resulted in XXXX months of consecutive service fees totaling {$70.00} ( Account De ... p. 2, WellsFargo ... p. 2 ). While the bank claims notice was delivered via an XX/XX/XXXX e-statement, burying vital pricing and balance updates inside standard monthly transaction documents does not provide conspicuous notice for digital-first users who rely on active dashboard alerts ( WellsFargo... p. 2 ). Due to this lack of transparent, proactive platform alerts, I was hit with fees on XX/XX/XXXX ( {$10.00} ), XX/XX/XXXX ( {$15.00} ), XX/XX/XXXX ( {$15.00} ), XX/XX/XXXX ( {$15.00} ), and XX/XX/XXXX ( {$15.00} ) ( Account De... p. XXXX ). My current balance is {$1500.00}, which proves I have historically maintained over the original {$500.00} limit ( WellsFargo... p. 2, Account De... p. 1 ). As a loyal customer, I requested a complete correction. A branch XXXX only refunded XXXX of the charges on XX/XX/XXXX ( {$30.00} total ), and the XXXX XXXX XXXX XXXX subsequently denied the rest, citing arbitrary refund caps ( Account De ... p. 2, WellsFargo ... p. 2 ). Hard caps on frontline customer service overrides should not be utilized to enforce penalties resulting from uncommunicative platform policy changes ( WellsFargo... p. XXXX ). Desired Outcome : I request that Wells Fargo issue an executive billing credit for the remaining three un-refunded service fees, totaling {$40.00} ( {$10.00} from XXXX, {$15.00} from XXXX, and {$15.00} from XXXX ) ( Account De ... p. 2, WellsFargo ... p. 2 ).

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Request for Debt Validation To Whom It May Concern : I am responding to your recent communication regarding an alleged debt. This letter is not an acknowledgment or acceptance of liability for the debt. Rather, it is a request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. The name and address of the original creditor. 2. The account number associated with the alleged debt. 3. The amount of the alleged debt, including an itemization of any interest, fees, or other charges. 4. Copies of any documents bearing my signature that demonstrate my legal obligation to pay. 5. Documentation showing that your company has the legal authority to collect this debt. 6. Proof that the debt is within the applicable statute of limitations. Until you provide the requested validation, I request that you cease all collection activities and reporting of this account to any credit reporting agency. If the debt can not be properly validated, I demand that the account be deleted from your records and any credit reporting agencies to which it has been reported. Any failure to comply with applicable federal and state laws may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate regulatory agencies. Please provide your response in writing to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received my credit card from Best Buy in the mail a few days ago. On Monday, XX/XX/year>, I tried several times to set up an online account with it ; however, even though all my information was correct, I continued to receive an error message stating that there was a problem with my account and to try again later. I called the company credit card number at XXXX and spent XXXX minutes talking with a representative who merely walked me through the same steps I had already gone through and had no other options to set up an account. I asked to speak with her supervisor. She placed me on hold and then after a few minutes, she picked up and said something like hi, how may I help you? ( implying that she thought there would be someone new on the line ) and I said yes and then she hung up on me and never called me back. I tried to link this card to my existing citi bank accounts, but citibank could not link it either. Therefore, I have no way of setting up an online account and I wish to just pay off the balance and close the account due to the companys ineptitude and for wasting my time. Thank you.

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 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I have made consistent, on-time payments of {$420.00} throughout the life of my auto loan often paying ahead of my due date. Upon reviewing my payment history, I identified a concerning pattern that suggests an unauthorized deferment or loan modification was placed on my account without my knowledge or written consent. Specifically : 1. From XX/XX/XXXX through XX/XX/XXXX, my account balance remained frozen at {$11000.00} across multiple payment cycles despite four payments of {$420.00} each. During this entire period, 100 % of my payments were applied to interest with {$0.00} applied to principal. 2. Following a payment processed on XX/XX/XXXX, my Next Due date advanced from XX/XX/XXXX to XX/XX/XXXX skipping two months entirely. This is consistent with a deferment or extension being applied to my account. 3. My payment history contains an unidentified transaction ( XXXX XXXX XXXX, effective XX/XX/XXXX ) for {$13000.00} applied entirely to principal, with no explanation provided. On XX/XX/XXXX, I submitted a formal written inquiry to the company requesting : ( 1 ) confirmation of whether a deferment or loan modification was placed on my account and the dates it was active, ( 2 ) documentation of my written authorization for any such modification, ( 3 ) explanation of unidentified transaction codes, ( 4 ) my current payoff amount and whether any deferred balance remains, and ( 5 ) a copy of my original signed retail installment contract. The company responded by sending only a copy of my payment history with no explanation, then followed up with a two-sentence email directing me to call their customer service line. As of XX/XX/XXXX 18 days after my written inquiry I have not received a substantive written response to any of my requests. This has resulted in a higher remaining loan balance, a potentially extended loan term, and credit impact I did not authorize. I am requesting that the CFPB require the company to provide a full written explanation of all account modifications and any corrective action warranted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I am filing a formal complaint against Affirm for unfair billing practices and failing to conduct a reasonable investigation into documented merchant fraud and policy non-compliance under federal consumer protection guidelines.I purchased an item via an Affirm loan on XXXX from a third-party seller ( XXXX XXXX XXXX ) under Order # XXXX. On XX/XX/XXXX at XXXX XXXX, I submitted a formal cancellation request. On XX/XX/XXXX at XXXX XXXX, the merchant sent a message falsely claiming they could not cancel because the item had already shipped. However, official United States Postal Service ( USPS ) tracking metadata for tracking number XXXX irrefutably proves the shipping label was not even generated until XXXX XXXX XXXX XXXX XXXXnearly three hours AFTER the merchant denied my cancellation request and lied about the shipment status. The merchant did not hand the physical package to the carrier until XX/XX/XXXX at XXXXXXXX XXXX, a full 18 hours after my initial cancellation request.The merchant deliberately committed a pre-shipment policy violation to force a transaction and trap me with an item they categorize as " non-returnable, '' meaning XXXXXXXX XXXX platform physically blocks me from printing a return label.Affirm initially denied my dispute via an automated computer system simply because the item shows " Delivered, '' completely ignoring the explicit timestamp fraud. I reopened the dispute providing official system-generated screenshots of the timeline contradiction, and explicitly notified Affirm of the tracking audit trail proving Merchant Non-Compliance . Affirm 's automated bot closed my dispute a second time despite this hard evidence. If Affirm continues to hold me financially liable for an unauthorized loan stemming from a canceled agreement, they are failing their regulatory duties to protect consumers from fraudulent merchant-forced billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Good afternoon, I submitted a Spousal Student Loan Separation Application to AidVantage. I submitted it in either XXXX or XXXX of this year XXXX. I received a letter from AidVantage that my separation request was approved. However shortly after that, I started receiving letters that I now have student loans to pay. Now, our loans has been separated for years. My student loans was under XXXX. My ex-husbands loans was under XXXX XXXX XXXX. He refinanced with XXXX. I did not. My signature was never on his refinance with XXXX. XXXX since we were previously consolidated put My name as a co-signer. No idea why. I have reached out to AidVantage several times to fix this. I escalated to manager XXXX XXXX on XX/XX/XXXX. She advised me to call back in 10 days. I called today XX/XX/XXXX spoke with XXXX, our call was disconnected. No call back. I went throught the chat and spoke with a rep. I was told AidVantage systems show the student laon debt is mine. I only had just over XXXX in student loan debt. It was paid off in XXXXXXXX XXXX XXXX XXXX XXXX. Now Aidvantage paid off debt just under XXXX from XXXX XXXX XXXX that belonged to my ex-husband XXXX XXXX. Now after submitting my Joint Student Loan Seperation Request. AidVantage says I now owe and have to pay them for student loans I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
had a XXXX XXXX XXXX credit card, which was converted to Citi Bank in XX/XX/XXXX. I completed a balance transfer of {$17000.00} on XX/XX/XXXX. During the balance transfer period, I should have had a 0 % APR promotional rate. However, the balance transfer was incorrectly treated as a purchase balance, and I continued to be charged interest. Because of this, I was not aware of the issue at the time. As a result, I have been charged a total of {$3700.00} in interest since XXXX as of today. I contacted Citi Bank, but they stated that they no longer have the information and are unable to resolve the issue. Please help review and resolve this matter

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
Complaint Description : Inaccurate Credit Reporting Paid Account Still Reported as Delinquent I am submitting this complaint regarding inaccurate credit reporting for an account with XXXX XXXX, an online high school diploma program. In XX/XX/XXXX, I made a payment of {$600.00} toward my account balance .Following this payment, my account was removed from suspended status. After that, I continued making payments throughout XXXX. In XX/XX/XXXX, I made my final payment to satisfy the remaining balance in full. This payment completed my financial obligation related to the enrollment process for the program. After this, I contacted XXXX XXXX directly, and they confirmed that my account is fully paid and no balance is owed. However, despite the account being paid in full, the company Ability Recovery Services has continued to report the account as unpaid and delinquent on my credit report every month from XXXX through XXXX. This reporting is inaccurate and negatively impacting my credit. I am requesting that XXXX XXXX and the credit reporting agencies immediately correct this error by updating the account status to paid in full and removing any inaccurate delinquency or negative payment history associated with this account. I have made all required payments and have fulfilled my obligation. The continued reporting of this account as unpaid is incorrect and must be resolved promptly.

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