vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: WA

Complaint narrative:
Company : National Debt Relief, LLC Product/Service : Debt Settlement / Debt Relief Services Complaint Narrative I enrolled in National Debt Relief, LLC to resolve multiple unsecured debts, including a XXXXXXXX XXXX XXXX credit card account that NDR represented as fully enrolled in their program. 
Despite my enrollment and ongoing payments, I was served with a legal summons by XXXX. Prior to this, NDR informed me the account was in pre-legal status and instructed me not to contact the creditor, stating that NDR would address the matter. This representation proved inaccurate.

During my enrollment, NDR repeatedly provided incorrect or incomplete information, failed to process authorized drafts, and allowed settlements to be lost without timely notice or opportunity to cure. Representatives provided conflicting guidance, including advising me to place a stop payment through my bank, which later contributed to continued payment processing failures despite confirmation from my bank that no holds existed. 
I experienced : Multiple lost settlements Inconsistent and misleading communications Failure to properly process authorized payments Escalations that were promised but not completed Exposure to litigation while under NDRs management Refusal to provide a written, itemized breakdown of service fees upon request When I requested to exit the program, NDR stated it would retain service fees but refused to provide an accounting showing how those fees were calculated or what services were rendered.

Supplemental written requests and documentation were sent to National Debt Relief via certified mail on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: KY

Complaint narrative:
I Had Been Given {$8000.00} Credit Limit Which Has Now Been Decreased Alot Never Missed A Payment This Is Unfair

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 2025-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-America Accounts Control Bureau, Inc.
State: KS

Complaint narrative:
I am submitting this complaint regarding an alleged dental debt of {$1000.00} that was sent to collections by XXXX XXXX and is now being handled by Mid America Collection. 

1. Billing Error by the Dental Provider The balance resulted from a provider billing error. XXXX XXXX submitted my insurance claim in XX/XX/year>, even though it should have been submitted after XX/XX/year>, when my XXXX XXXX XXXX XXXX XXXX  XXXX benefits reset. Because the claim was filed under the wrong benefit period, an incorrect balance was created. I am disputing responsibility for charges caused by this provider error. 

2. Formal Debt Validation Request Ignored On XX/XX/XXXX, I submitted a formal debt validation request through the Mid America Collection online portal. The account has been disputed since that date. 
Despite this, Mid America Collection has not provided validation of the debt. 

3. Continued Collection Activity After Dispute Beginning XX/XX/XXXX, Mid America Collection started calling me repeatedly after the validation request was submitted and while the debt remains unvalidated. Continuing phone calls during a pending validation request is improper collection activity. 

4. Incorrect Name / Identity Mismatch The collection notice lists my name incorrectly. This identity mismatch raises concerns about the accuracy and verification of the debt and whether it is properly associated with me. 

5. Prior Attempt to Resolve with Provider I previously contacted XXXX XXXX directly about the billing error, but they refused to correct the claim and instead sent the account to collections. The issue was escalated without correcting the underlying error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I ask that all item a from my credit report be removed stating under FCEA they are required to confirm the data of original furnisher nots what just in their systems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SLM CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> I received a call from XXXX XXXX in reference to student loans I cosigner on. A representative for the company named XXXX XXXX was who called me. XXXX XXXX was ABOMINABLE on the phone!!! XXXX XXXX was very rude and what I consider XXXX  on the phone. She was judgmental of me and my daughter. I felt like I was being interrogated. When I was trying to talk, she was talking over me. XXXX XXXX was talking loud and she was very condescending!!! She made judgemental comments about me, who she doesn't know as well as my daughter. I feel like some of her questions were misleading and unethical!!! Her tone of voice made me feel very uncomfortable and uneasy. XXXX XXXX sounded like a raving XXXX  on those 2 phone calls. I called back and had a conversation with another representative and during the conversation I asked her to ask her supervisor to listen to both phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
The person calling said they were calling from my XXXX XXXX police department and needed to confirm my identity before proceeding to discuss any details with me. I refused providing them with any of my personal information. I asked them to send documentation in writing via mail. 

I suspect this is an attempt to collect a debt, but the person calling says they will not confirm that until I confirm I am the person with the debt. 

This is a catch XXXX since, once I confirm my identity to them and acknowledge I know of " said debt '' then they reset the statue of limitations, allowing them to pursue legal action. 

In my case, this debt was already proved incorrect and dissolved years ago. However, if a debt collector reopens the debt, the burden once again falls on me to have to prove it was reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ARS National Services, Inc.
State: SD

Complaint narrative:
I am filing this formal complaint against ARS National Services , Inc. for a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I received a text message from ARS National Services , Inc. regarding an alleged debt. During this communication, the company failed to provide the mandatory disclosures required by law. 

Specifically : Failure to Disclose Status : The collector did not state that they were attempting to collect a debt and that they are a debt collector. 

Failure to Disclose Use of Information : The collector did not state that any information obtained during the communication would be used for the purpose of debt collection.

Under 15 U.S.C. 1692e ( 11 ), it is a deceptive practice for a debt collector to fail to disclose in the initial communication that they are attempting to collect a debt and that any information obtained will be used for that purpose. Even in subsequent communications, they are required to disclose that the communication is from a debt collector. 

ARS National Services , Inc.s failure to provide these disclosures is a violation of my consumer rights and constitutes a deceptive collection tactic. I request that the CFPB investigate this matter and that ARS National Services , Inc. be held accountable for their non-compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PayTomorrow, LLC
State: FL

Complaint narrative:
I asked Pay Tomorrow to stop communicating via phone, text of email and verbally demanded a cease and desist however they have repeatedly called me 3 more times after telling them of the Do Not Call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Someone went into my account and started using it for something i didnt authorize and now capital one is saying I did but they dont have any proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Roadrunner Account Services, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding Roadrunner Financial , Inc.s handling of my consumer vehicle loan and subsequent collection activity.

Roadrunner charged off my account on XX/XX/XXXX, without repossessing or liquidating the collateral ( a XXXX XXXX XXXX XXXX XXXX. Despite no repossession, resale, valuation, or mitigation of the collateral, Roadrunner is demanding and reporting the full remaining contract balance of approximately {$32000.00} as owed.

After the charge-off, Roadrunner disabled my online payment access, stating payments could only be made by phone or mail, while simultaneously escalating collection activity and furnishing negative credit reporting. This restriction materially interfered with my ability to cure or mitigate the alleged default. 

Roadrunner then referred or assigned the account to XXXX XXXX XXXX XXXX XXXX, a third-party debt collector, who is attempting to collect the same full balance despite no repossession or liquidation. I timely disputed the debt and demanded validation under the Fair Debt Collection Practices Act ( FDCPA ).

Roadrunner asserts that its credit reporting is accurate under the Fair Credit Reporting Act ( FCRA ) ; however, accuracy requires more than reporting a contract balance. Reporting a full balance owed without repossession, liquidation, accounting, or mitigation is misleading and materially inaccurate.

I am requesting that the CFPB investigate Roadrunner Financials collection practices, charge-off handling, restriction of payment access, credit reporting, and coordination with third-party collectors without proper validation or collateral disposition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I recently opened a Robin Hood credit card account. They require you to open a subscription with Robin Hood, which I already had, but then they charged me another full subscription for another year and then I guess they credited me for the half year that I already had paid for long story short they grabbed the whole new subscription fee, which I didn't approve of. They did it on their own and then they claim that you get 3 % cashback but what you get is 3 % crypto or stock ability to purchase back you only get one percent roughly. I don't even know what the percentage actually exactly it's so confusing that they make it as sneaky as possible. They have this elaborate point system that uses algorithms to figure out and then they don't have a phone number to call customer service. They have an AI bought horrible then they make you get a request for a phone number and then eventually I guess they call you back well that was deceiving as well and so far I haven't gotten a call back. I did get a hold of the actual brokerage part of it and they told me they couldn't help me they sent me down this wild goose chase with that and this is probably way too much info anyway appreciate you could reprimand them for deceptive advertising on their 3 % cashback, which which is absolutely not 3 % cashback. They never give you 3 % in your bank account ever it's a credit towards crypto or stocks which they make money on very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mortgage Research Center, LLC
State: NM

Complaint narrative:
Title company XXXX XXXX Land and title out of XXXX, XXXX XXXX  and XXXX XXXX XXXX  I believe out of XXXX, XXXX  both recorded the deed wrong. 

XXXX acres out of approximately XXXX are still in the original owner 's name. 

I have been told not to seek an attorney and everything will be okay and then I have been told to sign documents without an attorney even though I have requested to find XXXX. 
I felt I have been strong-armed several times and even offered a {$200.00} gift card to sign swiftly.

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 2025-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SOP Pioneer Partners LP
State: SC

Complaint narrative:
Courts have long recognized that a creditor is barred from seeking a double recovery once it has been compensated for a loss, whether through sale, insurance, or recognized loss treatment, as equity limits recovery to the actual unpaid balance ( In re Luedtke, 215 B.R. 390 ( Bankr. D. Colo. 1997 ) ). When an account is charged off and the creditor has recovered value or recognized the loss, continued pursuit of the same amount constitutes unjust enrichment and misrepresents the true legal status of the debt ( McMahon v. LVNV Funding, LLC, 744 F.3d 1010 ( 7th Cir. 2014 ) ). Pioneer Military Lending under the FCRA as the furnisher, may report only information that is accurate and complete, and reporting a balance that no longer reflects a lawful right to collect violates 15 U.S.C. 1681s-2 ( a ) ( 1 ). A charged-off account that has been compensated can not be reported as an outstanding collectible balance without creating a materially misleading impression to credit reporting agencies ( Saunders v. Branch Banking & Trust Co. , 526 F.3d 142 ( 4th Cir. 2008 ) ). The FCRA further requires correction or deletion of information that can not be verified as accurate, including inflated or extinguished balances, under 15 U.S.C. 1681s-2 ( b ). Additionally, attempting to collect a charged-off amount already written off and compensated constitutes collection of an amount not permitted by law, prohibited by 15 U.S.C. 1692f. Misrepresenting the amount or legal enforceability of such a debt is a deceptive practice under federal law ( Heintz v. Jenkins, 514 U.S. 291 ( 1995 ) ). Accordingly, both continued reporting of the balance and pursuit of payment after compensation are unlawful, misleading, and require immediate deletion and cessation of collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: LA

Complaint narrative:
XX/XX/XXXX cash app BLOCK INC. Froze my account with a balance of {$2600.00} at XXXX am Once i found out i reached out to them via they support chat which they stated they could not help the XXXX reached out because the matter couod not be discussed to me that someone would contact me vua email in the reason why once some time went by a almost XXXX XXXX  cash got the cash app support l email and sent a notice on XX/XX/XXXX stating that i have paperwork and advise them they where holding my funds unlawfully because no courts had any records of the claims and that by law they could not hold my money due to the XXXX AND THEY IGNORED ME RESENDING. COOE AND PASTE EMAILS STARTING ON XX/XX/XXXX MOVING FOWARD I LOST A LOST OF MONEY IN XXXX XXXX {$1600.00} from XX/XX/XXXX through XX/XX/XXXX thats record the I CONTINUE TO REACH OUT AND CALL SND EMAIL OVER AND OVER I EVEN SENT OVER COURT Documentation OVER TO show proof of THE JUDGE DISPOSED AND DISMISSED ALL MOTIONS filed AND THEY STILL HAVE YET TO RELEASE THE FUNDS or my activity back to my which has caused me to lose a tremendous amount of my business FINANCES BEEN THE MOST STRENUOUS AND AWFUL EXPERIENCE I HAVE EXPERIENCED AS A CONSUMER AND BUSINESS OWNER I HAVE ALL DOCUMENTATION AND RECORDS AS WELL AND EVEN TIL THIS DAY XX/XX/XXXX I SENT ANOTHER EMAIL AND CALLED THEM prior to me. Reaching out today i submitted the same documentation over XXXX and XX/XX/XXXX via email and phone call still no response or cooperation from BLOCK IN /CASH APP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had a Lowe 's card and was talked in to using it to buy a freezer, instead of paying cash. They said it " saves money '' through a discounted selling price. So I used it, paid it in full within one month, and I was charged {$3.00} or {$5.00} to send me a paper statement. I cancelled the card and don't want anything to do with them again. I won't pay their fees for sending me a statement on a purchase they talked me into using their credit card for. And now they're adding late fees and knocked my credit score down from XXXX to XXXX!! After years of building a credit score they're ruining it over a paperless billing fee and late fees on it?

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 2025-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
A scheduled credit card payment of approximately {$2200.00} was rejected due to a bank processing error. I immediately submitted payment to avoid any late payment or delinquency. 

Despite this, the issuer assessed interest charges. XXXX interest charge was initially waived, but a subsequent interest charge was later applied for the same period. 

When I escalated, the issuer stated this was due to a double-cycle / average daily balance interest calculation. This interest was unavoidable once the bank error occurred and was not clearly disclosed in a way that would allow a reasonable consumer to prevent it. 

The issuer refused to reverse the charge despite acknowledging that this complaint is common. I am seeking reversal of all interest related to this error and confirmation that no further interest will be assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
They started a investigation and closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westalke Financial did not reinburse the full amount they withdrew on the XXXX of XXXX, without authorization. 
I was reinbursed {$520.00}, instead of teh {$530.00} that were withdrawan, oweing me {$5.00}. 
They also did not respond to mt email requesting reinbursement for the bank overdraft charges in the amount of {$70.00} their withdrawal caused me. I have not heard from the company in rederence to my over charges. I reached out to the bank, and was reinbursed by them after I explained what Westalke Financial has done to me 2 months in a row. They still owe me {$5.00}.

Company response to consumer: Closed with explanation