vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Good morning, I was scammed by someone who impersonated a family member. I notified my bank. Within an hour they denied my claim. I appealed it. So after almost 4 weeks, I wrote in to check the status because I never heard back and never received the documentation how they made their decision. Apparently they denied me again and notified via chat. They gave me a form to fill out and they sent me another message denying my claim. This happened XX/XX/year> and it is now XX/XX/year>. This is with Navy Federal Credit union and it is for {$340.00}. I do not understand how I got scammed and my own bank is not taking it seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my checking account and is reporting suspected fraud activity to XXXX  based on a digital check deposit that was not initiated by me, not made from my device, and not authorized by me. This activity reflects unauthorized third-party access or account takeover.

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 2026-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I am writing in regard to a consumer complaint I have filed involving my climb credit loan that is associated with XXXX XXXX XXXX. I entered into this loan believing it was tied to educational services that would be provided by XXXX XXXX XXXX. However, I did not receive the majority of the services that were represented to me at the time of enrollment. Despite this, I am currently being held financially responsible for the loan and associated charges. I am disputing the validity of this loan on the basis that the services promised were not delivered, and I believe the charges being applied are unfair and not reflective of the services actually provided. I am requesting that this loan be reviewed and that I not be held responsible for charges related to serves that were not rendered. My desired resolution is to have the loan corrected, reduced, or discharged accordingly, and to ensure that no negative credit reporting occurs while this matter is under review. I appreciate your assistance in reviewing this matter and help facilitates a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
In XXXX of XXXX I enrolled with " XXXX ''. Enrollment involved taking out a loan of {$15000.00} from " XXXX ''. I withdrew from XXXX legally and paid them their withdrawal fee in XXXX of XXXX. It was XXXXXXXX XXXX obligation from their terms of service that this loan was suppose to be cancelled. I was notified by XXXX in XXXX of XXXX, that they have never received the money back from XXXX. The servicing of the loan has transferred from XXXX to American Education Services ( AES ) while XXXX is still the main holder. 

I am asserting a formal defense to repayment under the FTC Holder Rule ( 16 C.F.R. 433 ). My previous complaint was incorrectly handled as a general dissatisfaction claim ; however, this is a material breach of contract. XXXX failed to cancel my loan from XXXX after receiving a {$1000.00} withdrawal payment on XX/XX/XXXX. The new servicer, AES ( American Education Services ), is attempting to collect an invalid debt. 

This loan was originated by XXXX and is currently being serviced by AES ( PHEAA ). I am disputing the debt with both entities under the FTC Holder Rule due to a XXXX breach of contract by XXXX. 

In my XXXX note from XXXX, it states " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. '' Under the mandatory 'Holder Notice ' in my contract, XXXX and AES arXXXX legally subject to all claims and defenses I have against XXXX . I am formally seeking a full discharge and credit deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am filing a complaint against XXXX for deceptive, predatory, and unfair billing practices. I brought my dog in for urgent care, including a procedure and medications, and paid for all services in full, including using a coupon for one visit. I also signed a wellness plan at the same time, under a high-stress emergency situation, and was not fully informed of recurring charges or obligations. I never returned to use the plan after that visit. 

Despite this, XXXX sent the account to I.C. Systems for collections and it was reported as a {$450.00} collection on my credit report, without sending a final notice or warning to my current address. I had moved within the past few months, and to my knowledge no final billing statement or collection notice was ever received, which makes this reporting improper under the FDCPA and FCRA. 

This collection is financially burdensome, unfair, and deceptive, as I already paid for the services my dog received and never used the wellness plan beyond the one emergency visit. I request that XXXX and I.C. Systems remove this {$450.00} collection from my credit report immediately and provide full documentation of their billing and notification practices, including signed agreements, itemized charges, and proof of final notice. 

I have attempted to dispute this through the credit bureau, but I am also filing this complaint to ensure that the unfair reporting and predatory billing practices are formally documented and addressed.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I received a phone call. They did not state who they were. Asked me questions about my address and identity. They then proceeded to tell me they were a debt collection regarding a debt I took out when I lived in Indiana. I told them I have NEVER lived in Indiana and this is not me. I also stated I have been married since XXXX and have NOT used my median name since. 

In XX/XX/XXXX I received a bill and I immediately sent a certified letter telling them it was NOT mine, to provide proof and to not report it to the credit bureau due to my disputing it. 
I received back a statement with my maiden name and a Indiana address as verification of debt. 

In XX/XX/XXXX I again received a billing statement ( same as first ) in which I immediately I sent a Cease and Desist Communication with return receipt which has not yet been returned. 

In-between this time- they have reported it to the credit bureaus without any notification stating it was in dispute. They have not attempted to investigate that this is not my debt. They changed an address and did not bother to change my name even though I have not been XXXX XXXX since XXXX. 

FYI : I will attach the return statement claiming verification of original debt ( look at address ) I will attach address history from XXXX  I will attach both letters sent to them. I will attach my marriage license and drivers license. 

It is funny how they can change an address and claim its your debt without any investigation at all but we as citizens have to jump thru hoops to prove it is not us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WV

Complaint narrative:
I was the victim of a company selling a fraudulent product. I found out about the fraud and attempted to get the seller to refund the cost. They attempted to offer decreased purchase prices if I kept the item. I refused and returned the item via US mail with a return receipt. The US mail confirmed delivery of the item. I sent all the emails I exchanged with the fraudulent seller as well as the receipt for the returned item to Discover Card and disputed the charge. I also canceled my 15 year membership with Discover and paid my balance in it's entirety. I even paid the fraudulent charge to cut off the potential for any interest charges or penalties. I was told I would get a refund if my dispute was resolved in my favor. I was expecting a refund of the charge in the amount of {$290.00}. Discover told me they initially agreed with my dispute but today they have reinstated the charge and are demanding a payment by the XXXX of XXXX. ( this is odd since I paid the amount when I canceled the card ) I do not owe this charge and am concerned about additional charges and potential interest charges for the fraudulent charge. Discover told me that they received a response from the merchant and based on their communication the charge was re-instated. I asked what their response was comprised of but the person I spoke to on the phone would not or could not provide it. I would like to file a formal complaint against Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2026-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
I am filing this complaint because Central Portfolio Control is reporting a rental collection account that is inaccurate, unverified, and not properly validated. CPC did not provide any documentation proving I owe this debt. I did NOT receive : A copy of the signed lease A move-out statement A ledger showing how the balance was calculated Proof that I am legally responsible for the charges Any validation required under the FDCPA Without this documentation, the account can not be considered verified. The balance reported ( {$11000.00} ) also appears inflated and inaccurate. I moved out, and I dispute being legally responsible for this amount. The furnisher has not shown how they calculated this balance or that I agreed to these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I got a call from XXXX. I have been waiting for several weeks because I lost my phone and forgot my password to my XXXX account. This person I validated did work for XXXX and asked that he have access to my computer to reinstall the files from XXXX. I became a bit suspicious that there may be some fraud so I checked my financial account. I noticed that the same afternoon {$49000.00} was an international wired to XXXXXXXX XXXXXXXX in XXXX. I never initiated that wire transfer and called USAA immediately to report it as fraud. They have presumably investigated it and said there was no fraud and I insisted on moving up as far as the CEOs office to try to get more information and attention up until now this has happened four times and its a major hardship for me.

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 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
Jeffersons Capital Systems LLC is reporting a debt that does not belong to me! I did not open any account and did not give any authorization to open any account. This is a fraudulent debt collection because I am not the one who opened and gave authorization to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
I owe a lot of money on a credit card due to things out of my control. I contacted XXXX XXXX after noticing money was automatically taken out of my account. They explained they needed a promise to pay and a amount was setup and we agreed on a date which was the XXXX of the month because I get paid usually a day earlier so I wanted to make sure the funds were in my account. I called today to discover that my account had already been sold to a debt collector third party. I asked why and told them of the payment plan. It took them about XXXX minutes to find what happened and they told me that apparently on the first of XX/XX/year> the funds were not in my account. I reminded them that we get paid a day before and it had to be in the account. They then told me they ran it very early in the morning and as soon as it declined it Immediately broke the promise agreement. I tried to talk to them about making another promise and mentioned it was on the first of the month because we had agreed to make sure I had just been paid. Nobody told me while I was making that payment plan on the phone that was even possible for me to get paid but for them to not know I had been paid. They gave me a number for debt collector and said nothing else about it. I had no idea there was any problems I had no issues paying it and still do not. I orignally called to get proof of the account and proof of payment and payment plans that were made and they would not even give me that even though they found the account and told me all this information. I was told a letter was mailed just a letter and it was my responsibility but I do not remember opening mail that had that information or I would have taken care of it. I remember agreeing on that date because I wanted to make sure there would be funds to cover it on the first day. They deal with military and veterans and understand when we get paid. I was never advised that just because I get paid does not mean they can not see it or I would have chosen a different day. To me that is the same as making a appointment to come in to talk to someone and agreeing on a time that the worker knows they are closed at but decided not to tell me they would be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: AL

Complaint narrative:
Invalid data reporting om credit Very rude when contact representative hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Dear Comenity Capital Bank, Account XXXX XXXXXXXX I am writing regarding the above-referenced account, which is currently reported as a charge-off on my credit reports. 

I am willing to offer payment to resolve this matter ; however, my offer is XXXX XXXX expressly conditioned upon Comenity Capital Bank agreement to remove all references to this account from all consumer credit reporting agencies XXXX XXXX including XXXX XXXX  and XXXX. 

This correspondence is not an acknowledgment of liability for the alleged debt, nor is it a promise to pay. It is a good-faith request for a mutually beneficial agreement. If Comenity Capital Bank agrees to accept payment in exchange for complete deletion of this account from my credit files, please provide written confirmation of the agreed-upon terms on company letterhead. 

Upon receipt of written confirmation, I will promptly remit payment according to the agreed terms. 

If Comenity Capital Bank is unwilling to agree to these terms, please consider this letter a request for full validation and justification for the continued reporting of this charge-off pursuant to applicable federal law. 

Thank you for your time and consideration. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am disputing a transaction in which the merchant withdrew an amount that exceeded the authorized amount. I provided Chase Bank with documentation clearly showing the authorized amount and written confirmation supporting this. 

Although XXXX has acknowledged the overcharge and initiated recovery with the merchant, they have declined to issue a provisional credit while the recovery process continues. 

The continued delay is causing financial harm, despite sufficient documentation already being provided. I am requesting that XXXX issue a provisional credit and resolve the matter promptly. 
this is the letter I sent to the XXXX XXXX office. 
XXXX XXXX XXXX, I am formally escalating an ACH Unauthorized Debit dispute that was improperly denied. 

On XX/XX/year>, XXXX debited {$2700.00} from my XXXX business checking account. 

My authorization was $ 541 monthly. I have : Account statements showing consistent {$540.00} XXXX debits A written email from BCBS confirming {$540.00} was taken and marked Paid in Full This makes the {$2700.00} debit unauthorized under XXXX rules, as the amount exceeds authorization. 

I am requesting immediate supervisory review and return of funds under XXXX XXXX XXXX XXXX ( Unauthorized Debit ) or XXXX ( Amount Different Than Authorized ). 

Chases prior denial was in error and does not comply with federal and XXXX requirements. 

Please confirm reinstatement of the claim and issuance of provisional credit. 

Account number ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a mortgage on XXXX XXXX XXXX XXXX with Chase Mortgage. My home burned down in the XXXX fire in XX/XX/XXXX. Chase was well aware of this as they received the insurance checks for the loss, and they applied the insurance proceeds against the balance of the mortgage. I discussed the situation with them repeatedly over the course of XXXX, and I have continued to make my mortgage payments promptly and am current on the mortgage balance. Chase received evidence at this time that the home was a complete loss. 

Because the home was completely destroyed, and there was no home to insure, and it is just a plot of land, I naturally let the homeowners insurance lapse. Starting in XX/XX/XXXX, I received communications from Chase that they would purchase forced placed insurance for my property if I did not provide proof of insurance coverage. After significant hold periods, I called Chase XXXX XXXX, which led to them waiving the requirement for the XX/XX/XXXX to XX/XX/XXXX year. They then began sending letters in XX/XX/XXXX that they would purchase forced placed coverage for XX/XX/XXXX to XX/XX/XXXX. I called Chase again, and on XX/XX/XXXX, I placed a complaint that they are harassing me with repeated efforts to purchase forced placed insurance coverage for a home that does not exist. Chase 's representative assured me they would escalate the matter, created the case # XXXX, and promised me that no forced placed coverage would be purchased by them. On XX/XX/XXXX, Chase sent me an email to notify me that they had taken funds from my escrow account to purchase forced placed insurance coverage on my behalf. 

I allege the following against JP Morgan Chase : - Their purchase of forced placed insurance coverage despite specifically knowing that no home existed for the period for which coverage was purchase is an abusive practice. This abuse is exacerbated by the fact that it is directed at a wildfire victim. I do not think Chase could contest these facts. 
- Chase 's internal systems are grossly inadequate to ensure that further abuse will not come to consumers. Their organization has atomized departments, and no department know what another department is doing with inadequate information flow between departments to prevent further harm to consumers. 
- Chase 's phone based systems are designed to make it very difficult to get a human on the phone able to respond to questions or fix their errors, directing consumers, such as myself, repeatedly through many automated prompts before an option to speak to a representative can be found. When a representative can be found, their help was repeatedly of no use as their systems do not share information well enough. 
- The experience has caused me significant inconvenience and distress.

Company response to consumer: Closed with explanation