vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXXXXXX I entered into a payment plan with a medical provider and authorized biweekly withdrawals. Payments began as agreed. The provider later acknowledged the payment plan was " closed in error '' by their office in XX/XX/XXXXXXXX and that no notification letter was sent. After the payment plan was closed, no billing statements or notices were generated. The first time I became aware of any alleged remaining balance was when I was contacted by a third-party collection agency in XX/XX/XXXX. After I contacted the provider, they confirmed the error and removed ( eventually ) the account from collections. In their written response they also acknowledged that the situation " does not align with our standard processes '' and they were " unable to determine why the account did not proceed through normal billing processes. '' Despite acknowledging the internal error and lack of billing notice, the provider has indicated the account may again be referred to collections without addressing the breakdown in their billing process.

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 2026-04-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am requesting that Huntington Bank take immediate action to investigate and resolve an ACH deposit error involving my federal tax refund that was deposited into the wrong account. Specifically, I am requesting : That Huntington Bank initiate and complete a full ACH error resolution investigation regarding the deposit made on XX/XX/year>XXXX That the bank make all reasonable efforts to recover the funds, including contacting the receiving account holder and attempting reclamation of the deposit That Huntington Bank provide written confirmation of the investigation, including whether the funds remain in the account, have been withdrawn, or can be recovered That I be provided a formal case number and consistent updates throughout the investigation process If the funds are still available or recoverable, that they be returned to me promptly If the funds are no longer available, that Huntington Bank explain in detail what actions were taken, why recovery was unsuccessful, and whether any negligence or failure to act contributed to the loss Given that this was an erroneous deposit into a valid but incorrect account, I am requesting that Huntington Bank act in good faith to facilitate recovery and mitigate financial harm, consistent with ACH error resolution standards and consumer protection obligations. What Ive done to resolve this- Contacted the IRS and completed a refund trace ( which confirmed the deposit ) Contacted XXXX, who confirmed they sent the funds as directed Contacted Huntington Bank to report the ACH error and request recovery Attempted to initiate an ACH error resolution and reclamation process Despite these efforts, I have not received clear answers, a resolution, or confirmation of meaningful recovery actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I was scammed by who I thought was XXXX. The scammers installed Spyware on my phone and blackmailed me into wire transferring XXXX to a fake account. They told me that I would get the money back immediately. The account information that I transferred the money to is as follows : XXXX XXXX Name : XXXX XXXX Account Number : XXXX Routing Number : XXXX Beneficiary 's Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX DOB : XX/XX/XXXX Male The Chase bank that I went to is : XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX Within two hours of realizing this was a scam, we contacted Chase while the wire transfer was still pending requesting a wire recall. The person we spoke to was not empathetic to say the least. He told us it could take up to 10 days before we heard back and on that Friday XX/XX/XXXX we received an email from Chase stating that our claim to get any money back had been denied. We have since contacted the Branch Manager at Chase ( where the Wire transfer was made ) to file a compliant. We spoke with them on Friday, XX/XX/XXXX and are waiting to receive more information regarding our claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am submitting a complaint about my credit card account with us bank. On or around XX/XX/year> I noticed unauthorized charges in so did us bank I contacted us bank on right after I since they have closed my account XXXX to resolve the issue I spoke with customer service but the issue has not been resolved what has been resolve is the closed my account with no acknowledgment The situation has will affect my credit score stress inability to us my card for payment I have requested that us bank remove charges reopen my account in I still have the account if need info

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 2026-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Made a bill pay payment from XXXX XXXX bank to my co-branded Wells Fargo credit card account on XX/XX/XXXX. This was the receive by date. I have made bill pay payments to this account this way many times before electronic and physical without issue. This was to be the final payment on my account. On XX/XX/XXXX I got an email from Wells Fargo saying my payment hadn't been received. As XX/XX/XXXX was my due date I made a payment online to not be late on my payments and the customer service for co-branded cards is closed on the weekend so I couldn't get in touch with anyone to ask about what happened. When customer service opened, I called to inquire about the payment not being applied to my account. I was told I needed to wait for the paper check to be received. I checked with my bank, XXXX XXXX and they said the payment was sent and received and they directed me to the view the check image. With this information I called back to Wells Fargo to get an escalation and investigation of the missing payment as my check image shows they not only received it but stamped and deposited 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 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
I am filing this complaint regarding an illegal attempt to collect a debt that was discharged in my XXXX XXXX bankruptcy. The alleged debt, associated with Unlimited Landscaping, was included in my bankruptcy and discharged. Despite this, American Profit Recovery Inc. contacted me via text message attempting to collect this debt and directing me to make a payment. This conduct is a direct violation of the Bankruptcy Discharge Injunction under 11 U.S.C. 524, which permanently prohibits any attempt to collect a discharged debt. Additionally, this communication constitutes a violation of the Fair Debt Collection Practices Act, as the company is attempting to collect a debt that is no longer legally enforceable. I have not authorized any further contact, and this collection attempt demonstrates a failure to properly review bankruptcy records prior to initiating collection activity. I am demanding the following resolution : Immediate cessation of all collection activity Written confirmation that this account has been permanently closed Removal of any reporting related to this account from all consumer reporting agencies Confirmation that no further contact will be made regarding this discharged debt This is a documented post-discharge collection attempt and I am prepared to pursue all available remedies if not resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Leif Technologies Inc.
State: WI

Complaint narrative:
I am disputing a {$20000.00} Income Share Agreement ( ISA ) managed by Leif and XXXX XXXX. This debt originated from XXXX XXXX XXXX XXXX XXXX of XXXX, which is permanently closed and was sanctioned in a XXXX XXXX XXXX XXXX settlement ( XX/XX/XXXX, Case No. XXXX ) for deceptive enrollment and illegal billing practices. I was targeted by high-pressure sales tactics and deceptive enrollment representatives who, as alleged in the federal lawsuit, were paid illegal bonuses and commissions to secure my enrollment. I was verbally promised that this was a 'no-risk ' arrangement and that no repayment would be required if I did not obtain a job through their servicesa job placement that never materialized. The school charged a predatory price of {$20000.00} for a program where I only received two certifications ( Security+ and MCSA ). Furthermore, Leif and its partners deceptively marketed this ISA as 'not a loan ' to bypass federal consumer protections, a tactic that has been the subject of multiple regulatory actions. Given that the school has been shut down for fraud and the certifications are now retired or obsolete, this debt is based on fraudulent misrepresentation and should be fully discharged. I am requesting a complete removal of this balance and all associated negative reporting from my credit files. This dispute specifically concerns Account Number XXXX held by XXXX XXXX and serviced by XXXX XXXX. , as shown in the attached billing statement dated XX/XX/XXXX. The current demanded balance of {$22000.00} is being wrongfully collected despite the documented fraud at XXXX XXXX XXXX ( XXXX Case XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting by Capital One. I previously disputed this account with the credit reporting agencies. The dispute was processed, and Capital One responded by verifying the account and updating the tradeline. However, the information continues to be reported inaccurately and incompletely. The account is being reported as a closed, charged-off revolving account with a balance of approximately {$3100.00} against a reported credit limit of approximately {$2300.00}. This creates a condition where the account is being reported as significantly over the credit limit, resulting in negative available credit on a closed account. I requested verification of the accuracy and completeness of this reporting. Capital One has not provided competent documentary evidence to support : the full account-level basis for the balance reported a complete itemization of the amount claimed, including principal, interest, fees, and credits the contractual basis for continuing to report a balance and past-due amount after charge-off the accuracy of the reported credit limit in relation to the current balance the full payment history and date of first delinquency Simply stating that the account has been verified is not sufficient to establish that the reporting is accurate and complete. Under the Fair Credit Reporting Act, information furnished to consumer reporting agencies must be accurate, complete, and not misleading. The current reporting of this account is misleading, including the representation of an over-limit balance on a closed account and the continued reporting of past-due amounts without adequate explanation or documentation. I am requesting that Capital One : 1. Conduct a reasonable investigation of this account 2. Provide competent documentary evidence supporting the reporting 3. Correct any inaccurate, incomplete, or misleading information 4. If the information can not be fully verified, request deletion of the tradeline from all consumer reporting agencies Please respond in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting on an auto loan account. This account was refinanced solely into my ex-husbands name in 2019 following our divorce. As a result, I was fully removed from the loan and released from any legal obligation. Despite this, Nissan Motor Acceptance XXXX continues to report this account on my credit report as a charge-off. This is inaccurate, as I have not been contractually liable for this account since 2019. Under the Fair Credit Reporting Act, only accurate and verifiable information may be reported. I am requesting that NMAC provide documentation proving that I remained legally obligated on this account after the refinance. If they are unable to provide such documentation, this account must be deleted immediately from all credit reporting agencies. The continued reporting of this account is causing significant harm to my credit profile and financial standing. I am requesting a full investigation into the reporting of this account. While the company claims the account was charged off prior to my removal, I am requesting documentation of the full timeline, including the date of first delinquency, date of charge-off, and date I was removed from the account. Additionally, I am disputing the current reporting of this account. I was removed from this loan in 2019, and any reporting that suggests ongoing responsibility, balances, or account activity after that date is inaccurate. Under the Fair Credit Reporting Act, all information must be complete and accurate. If the reporting does not fully and correctly reflect my liability and the account history, I am requesting deletion from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Heritage Financial Group, Inc.
State: IN

Complaint narrative:
My auto loan requires full coverage insurance, which I have. The loan company ( Heritage XXXX XXXX ) uses a 3rd party to handle insurance verification. In XXXX, I switched insurance companies and was informed by Heritage, that the listed address was wrong. They informed me that if it wasn't corrected, they would charge me an additional {$110.00} per month for " their '' insurance. The issue was immediately corrected and the loan company informed me that everything was good. Fast forward to the end of XXXX and they suddenly begin charging me that insurance fee, making the same claims yet again and have now disabled my vehicle because I did not have an additional amount to pay in the middle of the month here. I offered to switch back to my previous insurance company and pay them the additional amount on the XXXX of XXXX, due to being a XXXX veteran and only being paid once per month. They became rude and made threats of disabling or repossession even though I have NEVER missed a single payment. The demands and threats being made are ridiculous and highly illegal. I attempted to make things right, even though legally I have no obligation to pay additional fees, while doing everything they requested. I can not make any further changes to my current policy because it's already exactly what they asked for. They are demanding I somehow change something to what it already shows and even with them having my declaration page, they're still refusing to acknowledge that there is no issue. My car is now disabled and being XXXX myself, this will cause me medical issues, being unable to get to my doctor. I need the CFPB to handle these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding repeated failures by this credit reporting agency to conduct a reasonable investigation, repeated identity-verification stall tactics, and failure to remove an account that the furnisher has already confirmed should be deleted. On XX/XX/year>, the furnisher for the XXXX XXXX account confirmed in writing that they requested deletion of this tradeline from my consumer reports. Despite this confirmation, the account continues to appear on my report with this bureau. This constitutes continued reporting of inaccurate information. Additionally, I have repeatedly provided identity verification documents including government-issued identification and proof of address on multiple occasions. Despite this, the bureau continues to respond with generic requests for identity verification rather than conducting a proper investigation. These repeated requests appear to function as delay tactics rather than legitimate verification needs. I have also submitted prior disputes and formal complaints. The responses I received were generic and did not address the specific issues raised, including : Continued reporting of an account that the furnisher has already requested be deleted Failure to conduct a reasonable investigation as required under the FCRA Failure to respond substantively to the evidence provided Repeated demands for identity verification despite prior submission of valid documentation Failure to provide method of verification or documentation supporting continued reporting These actions are harming my credit profile and preventing me from moving forward financially. I am requesting : Immediate removal of the XXXX XXXX tradeline from my credit report Confirmation that this bureau has complied with the furnishers deletion request A written explanation of why the account continued to be reported after the furnisher requested deletion An explanation of the repeated identity verification requests despite prior verification I request that the CFPB review this matter and require this bureau to comply with its obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MN

Complaint narrative:
Complaint Narrative updated I submitted my previous complaint back on XX/XX/XXXXXXXX it is now XX/XX/XXXXXXXX and XXXX has still not fixed there error. It has been 90 days. They responded to the original complaint and said they need to figure out the error. This is unacceptable. what am i left to do? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding serious servicing errors by MOHELA, my federal student loan servicer, that are negatively impacting my eligibility for Public Service Loan Forgiveness ( PSLF ). I am currently eight ( 8 ) qualifying payments away from PSLF forgiveness. Despite this, MOHELA has placed my account into forbearance that I did not request or authorize, while simultaneously issuing official correspondence confirming that I am approved for an Income-Driven Repayment ( IDR ) plan with a payment due date of XX/XX/XXXX. This is a direct contradiction and reflects inaccurate account servicing. Key issues include : MOHELA treating my account as if it is in forbearance despite providing written confirmation of active IDR repayment. Accruing or attempting to accrue interest during a forbearance I did not request. Failing to properly apply or recognize payments made in accordance with my approved IDR plan. Preventing qualifying payments from counting toward PSLF due to this incorrect forbearance status. MOHELAs actions are causing direct harm by : Delaying my progress toward PSLF Creating unnecessary interest accrual Introducing risk that qualifying payments will not be counted Creating administrative barriers at a critical stage when I am nearing forgiveness Given MOHELAs role as the exclusive PSLF servicer and its documented pattern of servicing failures, this situation is unacceptable.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Debt Holdings, LLC
State: IN

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX regarding an alleged debt they claim is in their care for collection. I received a communication from this company stating that my XXXX XXXX account has been placed with them and warning that the account may be returned to the creditor and potentially referred to a law firm for further action. I dispute this debt and have not been provided proper validation. XXXX XXXX XXXX XXXX has failed to provide sufficient documentation to support the validity of this alleged debt, including : The original account agreement bearing my signature A complete payment history The amount owed and how it was calculated Proof that they have legal authority to collect this debt Despite this, they are attempting to collect and using language that implies potential legal action. This is concerning because : They have not validated the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) They are using language that may be misleading or intended to pressure payment without proper verification Additionally, if this account is being reported to any credit bureau, I request verification of how this information was determined to be accurate in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting the following resolution : Full validation of the alleged debt Immediate cessation of all collection activity until validation is provided Removal of any inaccurate information reported to credit bureaus Assurance that no further collection or legal action will be pursued without proper validation If this matter is not resolved, I will pursue further complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. This company should not be permitted to attempt collection or threaten escalation without first meeting its legal obligations. I expect a prompt and thorough response.

Company response to consumer: Closed with explanation