vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I disputed a medical debt with Medical Revenue Service in late XXXX early XX/XX/year>, I submitted a dispute of this alleged debt through their online dispute portal, and requested validation under the Fair Debt Collection Practices Act. The company failed to provide any validation. Despite this, they continued collection efforts and reported the account to XXXX. This violates both the FDCPA and the Fair Credit Reporting Act, as the company is furnishing unverified information and failed to properly investigate the dispute. In addition to reporting this unverified debt, the company has continued to contact me by telephone and email after I disputed the account. I have not received any validation of the debt. These repeated calls/emails, combined with failure to validate and continued reporting, constitute harassment and improper collection activity under federal law. I am requesting that all telephone contact cease and that this account be deleted. The account is also not properly marked as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TriVerity, Inc.
State: OH

Complaint narrative:
I received a letter in the mail saying I and another party XXXX XXXX owes XXXX I co singed for this man years ago and had nothing to do with the vehicle or him he needs to be the one to finish the loan he works for XXXX in XXXX Ohio he needs to be the only one responsible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I am formally disputing the following collection account appearing on my credit report : ( Currently, the apartment that Im renting I have been living in for the past two years. The debt that I supposedly owe from my previously apartment never showed up on my credit report. I always paid my rent on time, never late. Other than this debt showing up on my credit report in clean. I gave a 60 days notice so I should not owe anyone. ) According to my credit report, this account was reportedly opened in XX/XX/year> and later placed into collections in XX/XX/year>. I only recently became aware of this alleged debt while applying for an apartment after accepting a new job opportunity in another state. As a result of this collection account appearing on my credit report, my apartment application was denied, placing me in a very difficult position as I am scheduled to relocate within the next XXXX days for employment purposes. I am formally disputing the validity and accuracy of this alleged debt. I do not believe I owe the balance being claimed, and I was never properly notified by the collection agency prior to the account being reported to the credit bureaus. Additionally, I possess email documentation dated prior to my move-out confirming that I provided the required XXXX notice directly to the apartment management office. At the time, my employer was responsible for paying for my housing accommodations. Given these circumstances, I respectfully request a full investigation and verification of this account pursuant to the Fair Credit Reporting Act ( FCRA ), including all supporting documentation validating the alleged debt and my legal responsibility for it. Original Creditor : Town Deer Valley Apts Account Number : XXXX Reported Balance : {$3000.00} To my knowledge, I was never contacted by the third-party collection agency prior to this account being reported to my credit file, nor was I provided an opportunity to dispute or validate the alleged debt before reporting. Additionally, the apartment complex associated with this account has since changed ownership and/or business name, which raises further concerns regarding the accuracy of the records, accounting, and legal responsibility associated with this alleged balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: U.S. BANCORP
State: VA

Complaint narrative:
My action on XX/XX/XXXX. XXXX : The dispute for the XXXX {$120.00} transaction dated XX/XX/year>. The dispute was denied on a false no response basis, and the provisional credit was reversed without proper notice, without access to online channels, and without providing the required investigation documentation under Regulation Z ( 12 CFR 1026.13 ). The company 's actions ( From XXXX XXXX XXXX ) XXXX. " No Response Claim Note : The XX/XX/year>XXXX denial letter states that I did not respond to your XX/XX/year>XXXX request. This is incorrect. I completed and returned the mailed questionnaire packet. And sent to the bank disputer website on XX/XX/year>XXXX under 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 explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
To Whom It May Concern, I am requesting immediate review of an unresolved fraud matter involving my Chime checking account and XXXX XXXX account compromised on XX/XX/year>. I reported the unauthorized activity immediately and complied with all requests, including filing a police report. I was initially advised resolution would occur by XX/XX/year>. I have now been informed the matter may not be resolved until XX/XX/year>. This delay has caused financial hardship, overdue obligations, and disruption to significant family matters and scheduled life events. I respectfully request immediate escalation, completion of the investigation, restoration of any unauthorized losses, and written confirmation of the status of my claim. Please preserve all records related to my account activity, communications, and investigation. I hope to resolve this matter promptly and amicably. Amount {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
I received correspondence dated XX/XX/year> from a collection law firm attempting to collect an alleged debt on behalf of XXXX XXXX XXXX. The alleged balance is approximately {$3200.00}. I dispute the alleged debt in its entirety. The correspondence contains discrepancies regarding my identifying information, which raises concerns regarding whether the company is attempting to collect from the correct individual. On XX/XX/year>, I prepared and and sent written dispute and request for validation by certified mail requesting proof of identity, complete chain of title, account-level documentation, original agreement/application, itemized accounting, date of default/charge-off, and proof of authority to collect. I requested that collection activity cease until proper validation is provided. I also requested that any credit reporting associated with the alleged account be marked as disputed and corrected if inaccurate. This complaint is not an admission of liability or a promise to pay.

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 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Wrongful claim to XXXX from Bank of AM XXXX that should not have been sent or included in from my XXXX claim that was cancld by me and than redid as merchant failed to fix machine. So XX/XX/year> a claim for {$200.00} started XXXX chrg backs that should not have been. Took 4 Attmpts to make normal claims and such and BOA kept 5 largest dbts of XXXXXXXX XXXX XXXX XXXX on claim process aftr closing my BOA acct after XXXX yrs and back and forth with holding my ckg funds while claim process going up and around and all XXXX XXXX 's or msjs on calls to them and fax 's not XXXX person called for clarification. Not even BOA Ex Off Advocacy person XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX or Legal or XXXX XXXX to know what E & O violations from XXXX to XXXX on Employee wrongful handling was done. My paypal was charged and put in jeopardy and BOA should not have made any dispute to them, and my Account was closed. After XXXX yrs of being XXXX and you think BOA cares? Also, ask XXXX for a letter to XXXX go to admit BOA mistakes and waiting 5 months for my XXXX XXXX XXXX funds to come to me my holidays and all with no funds, and XXXX back and forth to XXXX and such all waiting for BOA who totally messed up. They owe {$410.00} and I want that and nobody told me what dbts to an online casino and/or what and not my fault. Also caused my casino to close my acct for a {$50.00} chrg back that wasn't on my asking. So. All bad stuff.

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 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I paid for XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX through PayPal. I cancelled that reservation XXXX weeks before the date, and have written confirmation of cancellation but PayPal doesnt refund me. Their customer service is inept, I opened dispute twice as they deny under term : your item was delivered, tales with representatives over the phone they resubmitted and I received same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I enrolled in Freedom Debt Relief after discussions with their representatives regarding resolving my debt and the expected impact on my credit. During the enrollment process, I was led to believe that once accounts were resolved through the program, the negative accounts would ultimately be removed from my credit report or that the program included efforts to improve/remove the associated derogatory reporting. Based on these representations, I agreed to enroll and stopped making payments to my creditors as instructed by the company. After entering the program and authorizing settlements, I later received written clarification from Freedom Debt Relief stating that : * they only negotiate reduced balances, * they are not credit repair experts, and * they can not confirm removal or updating of negative credit reporting. This materially differs from what I understood during enrollment and what I relied upon in deciding to participate in the program. I canceled the program immediately after learning this. I also requested copies of all enrollment call recordings and requested a refund of fees paid. The company has not responded to these requests despite more than 7 days passing. I believe I was misled regarding the nature of the service and the expected credit reporting outcomes, and I relied on those representations to my detriment by intentionally ceasing payments to creditors. I am requesting : 1. Copies of all enrollment and sales call recordings, 2. A full refund of fees paid, 3. Written confirmation that my account has been canceled with no further activity authorized. I am also requesting that this matter be reviewed for potentially misleading or deceptive sales practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding interest charges being added to an account that I paid off and closed in XXXX XXXX XXXX XXXX XXXX ending in XXXX After the account was closed, I was informed that additional interest continued to accumulate after the billing cycle. I do not understand how interest can continue accruing on a closed account, especially after payment was made in full. I have requested clarification and documentation explaining the calculation of these charges, including the payoff amount, closure date, and itemized interest history, but I remain concerned that this may be an error or improper billing practice. I am requesting a full investigation, validation of the balance, and correction of any inaccurate charges or reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Climb Credit Inc.
State: CO

Complaint narrative:
I am filing this complaint regarding the financing of the XXXX XXXX XXXX through Climb Credit. I enrolled in the program and agreed to take on substantial private loan debt based on representations and marketing regarding career outcomes, employability, industry demand, and the likelihood of obtaining a XXXX position after completion of the program. The programs marketing and enrollment process created the impression that XXXX design was a highly accessible and in-demand career path and that graduates who completed the program and portfolio process would be positioned competitively for employment. The overall messaging heavily emphasized career transition success and implied that the investment was likely to result in meaningful employment opportunities capable of justifying the debt obligation. In reality, the XXXX job market was far more saturated, competitive, and inaccessible than represented during enrollment. The employment outcomes and practical value of the program did not align with the expectations created through the schools marketing and sales process. I believe material information regarding the actual likelihood of employment, market saturation, and realistic outcomes for graduates was not adequately disclosed before I was encouraged to finance the program. Had I been provided with a more accurate and transparent understanding of the true hiring landscape and realistic graduate outcomes, I would not have agreed to incur this debt. I am now left with significant private loan obligations for a program that did not deliver the outcomes reasonably represented at the time of enrollment, causing ongoing financial hardship and harm. I am requesting a full investigation into the representations made during the enrollment and financing process and am seeking full relief from this debt obligation based on misleading or unfair practices associated with the program and its financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: NY

Complaint narrative:
I am filing a formal complaint against Bank of America XXXX BofA ) for wrongly denying my credit card chargeback/claim for an airline ticket I canceled within the allowed XXXX window. BofA is ignoring both federal law and direct written evidence from the airline that I qualified for a refund. Timeline : XX/XX/XXXX : Booked a XXXX ( XXXX XXXX ) ticket using my Bank of America credit card. XX/XX/XXXX ( XXXX ) : First received the ticket by emailprior to this, there was nothing to cancel. I tried contacting XXXX to cancel using the only contact info supplied in the purchase receipt, but the email bounced ( see more details in my XXXX attachment ). XX/XX/XXXX : Called the airline to cancel the ticket promptly after receiving it. The airline refused, saying the cancellation window began at the purchase date, not when I actually received the ticket. XX/XX/XXXX : Submitted a detailed ( XXXX ) dispute with all evidence to Bank of America XXXX XX/XX/XXXX : After many attempts, finally obtained a written email from XXXX XXXX confirming I tried to cancel the ticket on XX/XX/XXXX ( see attached ). XX/XX/XXXX : Faxed this email from XXXX XXXX XXXX Bank of America as additional evidence. Bank of America agreed to reopen the case because of this new evidence. Their representative later confirmed that all evidence ( original and new ) was attached to my reopened claim. XX/XX/XXXX : Received denial from BofA, stating " not eligible for refund per merchant policy, '' even though federal law ( 14 CFR 259.5 ( b ) ( 4 ) ) guarantees refund within XXXX hours. Law Cited : DOT regulation 14 CFR 259.5 ( b ) ( 4 ) : This law requires airlines selling tickets in the United States to allow risk-free cancellation and a full refund within XXXX hours, regardless of individual airline policy. Summary : Bank of America ignored both the legal requirements and the direct airline admission that I tried to cancel as soon as I received the ticket. Their denial is invalid. I request CFPB assistance to require Bank of America to properly honor the XXXX rule and process the required refund or chargeback. Attachments : XXXX XXXX email ( confirming my timely cancellation attempt ) This attachment has XXXX parts, upper and lower of the email. Bank of Americas denial letter My XXXX original submission ( This doc is called All documents for CASE ID 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 explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am writing to appeal a permanent account limitation ( Reference ID : XXXX ) that I believe was triggered by an automated security 'false positive. ' I am a long-term personal user and a travel content creator. I was recently traveling internationally ( specifically in XXXX XXXX and XXXX ), which I suspect triggered automated fraud flags due to my login locations ( XXXX, XXXX, XXXX ). On XX/XX/XXXX, I sent a personal gift of XXXX to a friend ( XXXX XXXX ) using the XXXX & XXXX ' feature, she is a family friend who lives in XXXX XXXX Subsequent smaller transactions for food ( XXXX ) and XXXX XXXX ( Valve/Steam ) on XX/XX/XXXX and XXXX further appear to have been flagged as suspicious activity by your algorithm. I have already attempted to resolve this via telephone support on XX/XX/2026, at XXXX XXXX XXXX ( PayPal called me from : XXXX ). However, the representative stated that the decision was 'final ' and refused to allow a human manual review or accept documentation. I am prepared to provide my passport, travel records, and any other verification needed to prove that these transactions were authorized and legitimate. I am requesting a manual review of my account and the restoration of my services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am formally disputing XXXX late fees assessed on my XXXX XXXX financing account administered by Synchrony Bank. When I applied for and accepted financing through XXXX XXXX on XX/XX/XXXX, I specifically requested that my monthly due date be set for the XXXX of each month. However, the account appears to have been established with a due date of the XXXX of the month instead. I only recently identified this issue after logging into my account to review the balance and noticing the assessed late fees and payment dates. On XX/XX/XXXX, I communicated with a XXXX representative through online chat ( Chat Reference # XXXX ) regarding XXXX late fees totaling {$110.00}. During that conversation, XXXX fee for XX/XX/XXXX was waived. However, I continue to dispute the remaining XXXX charges totaling {$71.00} because they resulted directly from the incorrect due date assignment. During the XX/XX/XXXX chat, the representative stated that the disputed fees would not be removed, even with supervisor involvement. I respectfully disagree with that determination because the issue stems from the due date originally requested at account opening not being properly implemented on the account. The disputed charges are as follows : XX/XX/XXXX late fee : {$30.00} Payment was made on XX/XX/XXXX. XX/XX/XXXX late fee : {$41.00} XXXX for XXXX was made on XX/XX/XXXX, yet the fee was assessed on XX/XX/XXXX. In addition an interest fee of {$2.00} was charged on the late fee itself! Total late fee interest fees {$6.00} These payments would not have been late had the requested due date of the XXXX been properly applied to the account as requested during the original financing process. I requested to speak to a supervisor, but XXXX was not available.

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