vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: IN

Complaint narrative:
Prior to my son, XXXX, receiving treatment at XXXX XXXX, I met with the office XXXX to review the cost of the proposed services. During that meeting, we agreed that the total cost for the procedure would be {$460.00}. I paid the agreed-upon amount of {$460.00} in full at the time of service. Attached are copies of the signed agreement and payment receipt clearly documenting my financial responsibility and confirming that the balance was paid as agreed. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX and explained that we had already paid the full agreed-upon amount. XXXX stated that she would discuss the matter with the office XXXX and have any additional balance above the {$460.00} removed. She also stated that she would contact me if there were any issues. I never received any follow-up communication from XXXX XXXX XXXX After reviewing the insurance explanation, it appears XXXX XXXX billed for the use of XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the insurance company, these materials are typically used to rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The insurance company further stated that these services are not covered or necessary when performed in conjunction with a XXXX XXXX At no point prior to the procedure was I informed that additional services or materials would be used that would result in charges beyond the agreed-upon amount of {$460.00}. I did not authorize any additional procedures or charges beyond what was discussed and agreed to with the office XXXX. For these reasons, I am formally disputing any additional balance being billed beyond the {$460.00} already paid. The signed agreement clearly establishes the amount that I was responsible for, and that amount has been satisfied in full. Any charges beyond this amount were not authorized, not disclosed in advance, and should not be my financial responsibility. I requested that XXXX XXXX immediately remove the additional charges and update the account to reflect a XXXX balance. If necessary, this letter should also serve as a formal record of my dispute of the billing. Spoke with Professional Credit Services on XX/XX/XXXX to dispute the debt. PCS would not acknowledge any signed agreement by me confirming that payment was agreed to prior to treatment. They refused to remove or reduce the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE INQUIRIES DO NOT REFLECT AUTHORIZED CREDIT ACTIVITY. I DID NOT PROVIDE CONSENT FOR THEM. I AM FORMALLY DISPUTING THESE ITEMS AND REQUEST A THOROUGH INVESTIGATION. IF THEY CAN NOT BE PROPERLY VERIFIED, THEY MUST BE REMOVED IMMEDIATELY.

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 2026-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bizcorp, LLC
State: TX

Complaint narrative:
I received a voicemail from someone named XXXX XXXX who says shes from the litigation firm of the office of XXXX XXXX. She asked me about an email address I didnt verify and a place of employment I havent worked for since XXXX. She stated there was a payday loan that I received, but would not tell me if I signed for this loan because I dont recall applying for or receiving a payday loan. She told me that I was marked as non compliant even though I told her this was the first time I was hearing about this issue. I asked if she had any documentation about the loan. She proceeded to ignore my question and told me she and her XXXX XXXX will have my wages ganished and any property or assets I have in my name or social security number, will be taken. Then she hung up while I was again asking where this came from and would not answer my calls afterwards.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 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: TX

Complaint narrative:
XXXX This complaint was closed without an resolution. I am submitting this complaint because incorrect servicing information and mishandling of my federal student loan account continue to interfere with my ability to return to school and access educational opportunities. My loans are associated with the U.S. Department of Education Default Resolution Group ( DRG ) at XXXX, not XXXX XXXX. However, prior complaints were improperly routed to the wrong company, resulting in closure without investigation of the actual issue. I repeatedly notified the CFPB and involved parties that the incorrect entity was responding, yet the matter was still closed without addressing the underlying servicing and account-status concerns. As a result : * inaccurate or unresolved account information remains active, * I continue experiencing barriers related to school enrollment and financial aid, * and I have been unable to obtain proper review or correction from the responsible entity. This complaint concerns : * incorrect servicing identification, * failure to properly investigate the account, * failure to route the complaint to the correct entity, * and ongoing educational harm caused by unresolved default/account issues. I am requesting : 1. Immediate review by the correct Department of Education/default-resolution entity. 2. Written verification of the current loan holder and servicing status. 3. Correction of any inaccurate account or servicing information. 4. Review of any options available to restore eligibility for educational access and aid. 5. An explanation as to why prior complaints were closed despite repeated notice that the wrong company responded. This issue remains unresolved and continues to negatively impact my educational and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
This the same complaint I did before and its close but I have a document from security of state indicating they never received the release form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Mercury Financial Intermediate LLC
State: MD

Complaint narrative:
I am filing a complaint regarding XXXX XXXX Services and disputed transactions on my account. I disputed unauthorized transactions with Mercury XXXX XXXX on or around XX/XX/year>. The company initially acknowledged the dispute and issued temporary credit while investigating. Mercury later determined that no billing error occurred and held me responsible for the disputed transactions. However, the company failed to provide competent documentary evidence proving that I authorized or benefited from the disputed charges. I requested documentation supporting the investigation, including transaction authorization records, merchant verification records, and investigation details, but sufficient evidence was not provided. The disputed transactions included charges associated with XXXX and unidentified charges that I do not recognize or authorize. I filed an FTC Identity Theft Report regarding these issues and continue to dispute responsibility for the transactions. I am requesting : * a proper reinvestigation, * copies of all evidence relied upon, * correction of any inaccurate reporting, * and removal of any unverifiable negative information related to these disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sezzle Inc.
State: VA

Complaint narrative:
Sezzle charged me a {$23.00} late fee ( {$6.00} failed payment fee and {$16.00} late fee ) on a {$19.00} installment payment, which is disproportionate, punitive, and constitutes an illegal junk fee under CFPB guidelines. They also refused to offer hardship assistance when requested. This is regarding order number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was completely unaware that this company was going through another party to seize my funds. I received a hold on my accounts and funds were taken out, and now I am almost {$3000.00} negative in my account. This is absolutely ridiculous. I NEVER got a notice, never got documentation, never got paperwork, nothing. This company is so unprofessional and nobody should have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding a pattern of unfair, deceptive, and abusive practices by Comenity Bank and Comenity Capital Bank across two of my credit card accounts ( XXXX and XXXX XXXX ). These actions have caused financial harm, credit damage, and significant distress while I have been dealing with involuntary unemployment and chronic medical issues. XXXX XXXX Credit Card ( Closed Without Cause ) Card XXXX XXXX XXXXXXXX My last purchase on this account was in XX/XX/XXXX, and I paid the balance off shortly after. I used this card responsibly and had no late payments, no delinquencies, and a {$0.00} balance. Despite this, Comenity closed the account on XX/XX/XXXX without any request from me. This closure occurred immediately after I filed involuntary unemployment and XXXX benefit claims on my other Comenity account and other XXXX accounts that use the same Protection programs. Comenity refused to provide a clear explanation and repeatedly blamed credit report changes, even though I had no negative marks at that time. This closure damaged my credit by reducing my available credit and lowering my score. My requests for escalation were ignored, and I received only scripted responses. This appears retaliatory and discriminatory, and it caused significant credit harm. XXXX. XXXX Credit Card ( Predatory Fees XXXX No Notifications XXXX XXXXystem Blocking Disputes ) XXXX XXXX XXXX XXXX XXXXXXXX I believed my XXXX balance was paid in full. On XX/XX/XXXX, I discovered a remaining balance of {$16.00} and paid it immediately. Despite paying the balance, Comenity added nearly {$100.00} in late fees and interest on late fees. I received no pastdue notifications, even though Comenity claims they send reminders 10 days before the due date. Their system repeatedly blocked attachments, rejected messages, and prevented me from submitting my full dispute. I sent a secure message on XX/XX/XXXX, but Comenity never responded. Instead, they sent an automated letter suspending my account, even though the balance was paid in full. They have now reported late payments to the credit bureaus, further damaging my credit. This fee structure is disproportionate, violates the CFPBs reasonable and proportional standard for late fees, and the lack of notice prevented me from correcting the issue. XXXX. Pattern of Harm Across Both Accounts Across both accounts, Comenity has : Closed an account with a {$0.00} balance and no late payments Added excessive fees to a {$16.00} balance Failed to send required notifications Blocked my ability to submit disputes Ignored secure messages Reported late payments that were caused by their own system failures Caused significant credit damage during a period of unemployment and medical hardship This is a systemic pattern of predatory and abusive conduct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX Contacted the bank to inform them that of a financial change and requested a reduced payment plan or interest rate reduction. Bank representative informed me that there was no assistance available until the account is past due since I've never missed a payment during the life of the account. Once account was past due, I was yet again denied any type of assistance in resolving the delinquency and making arrangements for timely affordable payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year>, I filed a dispute with Chime regarding a {$460.00} transaction from XXXX XXXX Chime issued a temporary credit while they investigated the dispute. During the investigation, I submitted supporting evidence, including documentation from a XXXX XXXX XXXX complaint involving XXXX. In XXXX written XXXX response, the company stated : Customer has filed a dispute with their financial institution and will receive their refund through them. I relied on this representation and submitted this evidence directly to Chime during the investigation process. Despite receiving this evidence, Chime later concluded that no error occurred and notified me that the temporary credit would be reversed and my account debited for {$460.00}. I believe the investigation failed to properly evaluate the merchants written statements and supporting documentation that I provided. XXXX also lacked adequate customer support access and I was unable to properly resolve the issue directly with the merchant. This situation caused financial hardship, including interruption of my utilities/power service. I am requesting a reinvestigation under Regulation XXXX, copies of all documents relied upon during the investigation, and a written explanation addressing the merchants statement that I would receive my refund through my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NM

Complaint narrative:
XX/XX/XXXX To Whom It XXXX Concern : I want to file a complaint against Chime Bank. Since XXXX, I have been trying to obtain access to my brothers account who is deceased. His name is XXXX XXXX. I called them around XX/XX/XXXX, then on XX/XX/XXXX and then on XX/XX/XXXX. It is difficult to get through to a live agent because they utilize an XXXX XXXX I wanted to simply send an inquiry with legal documentation from the courts showing that I am the Administrator of his account. However, you can not simply email this to them, because they do not have a customer service email address. You must have an account or profile with them. Fortunately, I already had one set up. I thought that would make things easier, but it did not. Each time I called they told me that someone would reach out to me with a link where I could upload the information. I had to speak to a manager named XXXX on the third attempt and I was finally sent the email with the link. They asked for my brothers identifying information and I sent my ID, his ID, a copy of the card from his account and the form from the courts and death certificate. A person named XXXX, a member services XXXX, was handling this task. He said he had closed the account and there were no funds left. I then requested bank statements dating back to XX/XX/XXXX. The ticket number was XXXX. I received a request for the court documents that I had already uploaded to be sent. This request was sent on a Sunday and I did not have access to those documents that day. I knew that waiting until Monday was going to cause further delay and it has. It is not Thursday morning and I still have not received the bank statements that I have requested, nor have I had any further contact with XXXX. This is very suspicious and causes me to wonder what they are trying to hide. I went to a local bank and requested funds and bank statements and received everything in a matter of hours. I have definitely learned my lesson with this bank and will be closing my account soon. I work in a XXXX XXXX and I know from my work experience that the documents could be pulled and emailed to me in a matter of hours, not weeks or months. Please investigate this matter for me. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX Credit Acceptance is the lienholder/finance company on the loan. I am filing this complaint because I believe there are serious issues with the financing and paperwork for this vehicle. When I went to the dealership, I brought a prequalified loan approval from XXXX. The dealership told me I was not approved through XXXX and that I had to finance the vehicle through Credit Acceptance instead. I later found out that XXXX did not deny me and that the dealership never submitted the vehicle through XXXX. I believe I was misled into using Credit Acceptance financing. I also have concerns about inaccurate information in the contract/paperwork. The paperwork appears to show a down payment that I did not actually make. I am also concerned that my mother was listed as the buyer instead of being listed as the co-signer, which is not what I understood the agreement to be. I still have the vehicle. I am asking for this matter to be investigated, including the financing process, the accuracy of the down payment listed, why my mother was listed as the buyer instead of co-signer, and why I was told I was denied by XXXX when the vehicle was apparently never submitted through XXXX. I am requesting correction of any inaccurate paperwork and a fair resolution regarding the loan.

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 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I submitted a written debt validation request to Midland Credit Management ( MCM ) regarding account # XXXX, originally a XXXX XXXX XXXX account XXXX MCM responded twice with identical boilerplate letters and only XXXX billing statements. They failed to provide : ( 1 ) a complete itemized balance history from account inception, ( 2 ) a copy of the original cardholder agreement, ( 3 ) a complete transaction history, ( 4 ) proof of their licensure to collect in Mississippi, or ( 5 ) a bill of sale establishing chain of title. Both responses also stated they were 'uncertain of what I am specifically disputing, ' despite my second letter itemizing four specific disputes in detail. MCM has twice failed to meet the debt validation standard under XXXX XXXX. XXXX. I am requesting the CFPB investigate MCM 's validation practices and require them to provide proper documentation or cease collection activity on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing a complaint regarding unauthorized multiple transactions on my Bank of America account that occurred at XXXX XXXX XXXX totaling close to {$1200.00}. These transactions were not made or authorized by me. I reported the charges to Bank of America as fraud shortly after discovering them on XX/XX/year> and requested an investigation. However, my fraud claim was denied on XX/XX/year>. I do not recognize these transactions and did not give anyone permission to use my card or account for these purchases. I am requesting a detailed explanation of why the claim was denied, including the evidence relied upon during the investigation and the method used for the transactions ( chip, swipe, tap, online, etc. ). I am also requesting that Bank of America reopen and properly investigate the claim, as I believe the charges are fraudulent and I should not be held responsible for unauthorized purchases. I would appreciate assistance in obtaining a fair review and resolution of 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 2026-05-21 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: TN

Complaint narrative:
I was on my credit report because I applied for XXXX to buy and I seen this on my credit report. I never had a card from this company before I tried to call the company XXXX XXXX number to get more information about the application when it was filed and is it possible for a camera footage or where it was taking place for the application to be put in that I did not put the application or give consent for application to be put in at this company

Company response to consumer: Closed with explanation