vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: SC

Complaint narrative:
I previously submitted a dispute regarding the above-referenced account, which is inaccurate and unverifiable. XXXX responded by marking the account as verified, without providing documentary evidence, including the original creditor contract bearing my wet signature or any lawful proof of debt validation. 
Where to find information : Account number : XXXX XXXX XXXX XXXX XXXX  Original creditor : SOUTHERN MANAGEMENT SYSTEM INC Amount reported : {$220.00} Status / Verification response : VERIFIED Confirmation number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the information or delete it within 30 days. A verification without furnishing the method of verification or the original documents constitutes a sham investigation and is a willful violation of federal law. 
Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), XXXX is required to provide a detailed description of the method of verification used to confirm the disputed information. Failure to provide such details indicates noncompliance. 
The dispute results issued stated the disputed account was verified, updated, and confirmed as belonging to me without providing evidence. This is a direct violation of my consumer rights and the duties imposed on Transunion as a consumer reporting agency. 
If this matter is not corrected within XXXX ( XXXX ) calendar days from receipt of this notice, I will proceed with filing a civil lawsuit for willful and negligent noncompliance with the Fair Credit Reporting Act pursuant to 15 U.S.C. 1681n and 1681o, seeking statutory, actual, and punitive damages, including attorneys fees and court costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX i was looking up loans i could get online and minto money was the first one that popped up. I gave them my social security number my income information and everything you would need to give to any lender when getting a loan. They accepted it and gave me the exact amount i had asked for, {$2500.00}. No down payment no interest rates were shown at the signing of this loan. I didn't get a copy of the loan agreement until after i signed into my account which was today. The first week of XXXX i got charged {$310.00} which i thought " oh i must just be paying it off faster i guess and it will be paid off sooner '' and went on with my day, then i got charged again last week on the XXXX {$310.00}. Today i decided to login to my account with them and was able to access my monthly payments and loan agreement and found out my APR was XXXX  %. So {$2500.00} turned into {$20000.00}. I haven't taken any action with the company yet personally because i would rather have someone guide me into figuring this out instead of making another mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i have sent them several i do not remember the dates

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Unifin Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS FALSLY REPORTING AND SENDING THREATENING MAIL USING A DIFFERENT COMPANY NAME THAT IS ALSO A COLLECTION AGENCY NAMED UNIFIN! FOR A CREDIT CARD THAT WAS CLOSED AND CHARGED OFF DUE TO THE COVID 19 PANDEMIC FINANCIAL HARD SHIP! THEN SOLD TO COLLECTION AGENCIES IN ADDITION XXXX XXXX XXXX IS ALREADY REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I purchased 1 tire from Discount tires for {$190.00}. Yet I was somehow accidentally charged {$390.00} for 2 tires. I filed a charge dispute with Chime Bank for the amount and told them it should only be {$190.00}. Their policy states while they investigate the dispute claim that I am not liable for the charge. Yet with their Credit Builder card you have to put money on the card in their form of security deposit to use it, which means I have already paid for the charge. Therefore I requested that since I am not liable for the charge during the investigation then I would like that security deposit returned back to the card while the investigation continues. I have been on the phone multiple times with multiple different agents for multiple hours trying to get that money back yet they yell at me, ignore me, repeat the same script, hang up on me, talk over me. It is absolutely the worst customer service ever. I have not been able to get a single representative who speaks English as their first language or who has been able to explain why they are not abiding by their own company policy and rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my credit report and identified accounts being reported without my express authorization, which is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I have already filed an official Identity Theft Report with the Federal Trade Commission, reference number XXXX. Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of information identified in such a report within 4 business days. The specific unauthorized accounts are : XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. This situation is causing me significant financial harm. I request your immediate intervention to ensure these accounts are blocked and removed from my files

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: AL

Complaint narrative:
MRS BPO LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research MRS BPO LLC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
The company keeps harrasing about payments but i have not been 30 days past due. They are calling my cell hone everyday rven calling my place of work

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding a missing {$1000.00} transfer from my personal XXXX XXXX account to my personal PNC Bank account. 

On XXXX XXXX XXXX, I initiated a transfer of {$1000.00} from XXXX XXXX to PNC. XXXX XXXX confirms that the funds were successfully debited and released to PNC, with trace number XXXX. However, PNC never credited the {$1000.00} to my account. I submitted a dispute and provided documentation from XXXX XXXX confirming that the funds were sent, but PNC has not corrected the issue and has given no explanation for why the funds are missing. 

I have repeatedly contacted PNC customer service about this issue, but they have failed to resolve it or provide meaningful updates. 

I am requesting CFPB assistance to : Ensure PNC conducts a full investigation of the missing transfer. 

Require PNC to credit the missing {$1000.00} to my account. 

Provide a written explanation for why the transfer was mishandled and why the issue was not resolved through standard customer support channels. 

My information : Name : XXXX XXXX XXXX Phone : XXXX Email : XXXX PNC Account ( last 4 digits ) : XXXX I can provide transfer receipts, XXXX XXXX confirmation ( including trace number XXXX ), and copies of my prior communications with PNC upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: IN

Complaint narrative:
b'Subject of Complaint:\n\nCentral Portfolio Control, Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOn (XXXX) I received an unmarked letter in the mail claiming I had an outstanding debt of [$568.34] to XXXX XXXX XXXX  despite me NOT being a patient. There had also been NO attempts of communication and notice from the facility concerning the alleged debt; something every healthcare facility I have been an active patient at has done proactively for remaining balances. Any less would be considered an act of negligence by any healthcare provider. \n\nThe letter stated that I had until (XXXX) to pay a resolution price of ($341.00) in full. If the price was not payed by then, the resolution offer would not be renewed. \n\nOn XXXX I sent a debt dispute letter through my local post office to the listed collection agency. The letter was sent with both a mail receipt and return receipt to provide a paper trail and extra confirmation that my debt dispute was received. On (XXXX), I received the letter back from the post office, who marked the alleged debt collector\'s office as "ATTEMPTED - NOT KNOWN - UNABLE TO FORWARD". \n\nI have made great effort to check that the correct address was put on the letter before sending. I have also confirmed the address was correct upon its return.\n\nSome other details I marked as suspicious in the offer letter (besides me not being a patient at the facility and receiving no notice) are the following:\n\n-Collector\'s inability to provide the complete original account number despite it being a private letter. \n\n- The collection office having a separate address in a separate state for their PO box(Office is listed as being in XXXX  but the PO box is in XXXX XXXX). \n\nIt is due to all of the combined factors above that I believe this offer letter to be a scam attempt and a false resolution offer; aimed at tricking frightened individuals into paying money to individuals impersonating collection agencies.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
On XX/XX/year>, the debt collection company contacted my sister via text message, disclosing my name and threatening legal action. The message stated : Urgent : XXXX XXXX your account is past due and subject to legal action. Contact our office at XXXX to resolve this. Stop to opt out. 

I then called the number provided ( XXXX ) and spoke with XXXX XXXX, who identified herself as XXXX XXXX XXXX  with XXXX XXXX XXXX During this call, XXXX XXXX stated that I was required to make an immediate {$1000.00} down payment and then enter into a six-month payment plan. She further threatened that if the matter was not resolved that same day, they would forward the account to the local court to pursue wage garnishment and tax garnishment. 

After ending the call, I requested that XXXX XXXX provide written validation of the alleged debt. I subsequently sent a written dispute and validation request pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), requesting documentation of the debt, proof of authorization to collect, and copies of any agreements bearing my signature, and instructing that all further communication be in writing only. 

Despite this written request, I received another phone call from XXXX XXXX after the email was sent. During this call, she stated that they would not respond to my written request for validation and that they were proceeding with legal action. 

I dispute owing this debt. I have not had this credit card for several years, and the last time I held the account, it was settled through a third-party settlement. I believe this alleged debt has been sold or reassigned multiple times and that I am being falsely accused of owing a debt that is no longer valid. The continued threats of legal action without providing validation, as well as third-party contact, are causing distress and appear to violate federal debt collection laws.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I am writing to formally submit a complaint regarding the ongoing mishandling of my student loan payment by MOHELA. 

I received {$10000.00} in loan assistance through the Maryland MLRP program. The check was cashed on XX/XX/XXXX, and a letter was submitted to MOHELA on XX/XX/XXXX instructing that the funds be applied directly to my loan account. Despite this, the payment has not been applied. 

Since then, I have sent multiple messages through the online portal requesting updates, specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also called three separate times, with each call requiring over two hours on hold. On one call, after requesting to speak with a supervisor, I was told that one would be made available, but I was instead transferred to an automated line stating that all supervisors were busy and that I would receive a return call within two business days. No call was received. 

Throughout all communications, I was repeatedly told that processing could take up to 90 days, yet no representative could clarify when the 90 day period began. Given that the check was cashed on XX/XX/XXXX, more than 90 days have passed. I requested an escalation to investigate the issue, but there has been no proactive follow-up. I have only received responses to my initial inquiries without any progress toward resolution. 

Seperately, I have an overpayment on one of my loans of {$110.00}. The loan balance has been $ XXXX since XXXX. I spoke to a representative on the phone in XXXX regarding this and he stated it would be applied as an overpayment to my next loan as that is what my current settings are on my account. Later, on XX/XX/XXXX, when I was looking for follow up on my loan forgiveness check, a representative stated I would need to have addressed this with them directly to have the funds applied to my account. 
It has been over 6 months of this overpayment to my account ; therefore, not letting the loan close, and it should be accruing interest. 

The ongoing cycle of long hold times, inconsistent information, and lack of follow-through has been extremely frustrating. I am fortunate to have a flexible schedule that allows me the time to resolve issues like this, but many borrowers do not have the same flexibility. It is concerning that critical state-funded loan assistance can remain unprocessed for this long. 

I am requesting immediate review and application of the {$10000.00} Maryland MLRP payment to my account, along with written confirmation once this has been completed.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Issue type : Credit reporting Product : Credit report What happened I am submitting this complaint to dispute the inaccurate reporting of bankruptcies on my credit reports. 

I have requested that the credit reporting agencies remove any bankruptcies that are being reported under my name. These bankruptcies are inaccurate and should not be appearing on my credit reports. Despite making this request, the bankruptcies continue to be reported. 

The presence of bankruptcies on my credit reports is incorrect and is causing significant harm to my credit profile. This information is not accurate and should be deleted 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