vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
Hello. I have been making monthly payments to MOHELA for my federal student loan. Payments are successfully withdrawn from my bank account every month. However, for over 3-4 years I have been completely unable to access my online MOHELA account. The system repeatedly states that my User ID and password can not be found. Password recovery does not work, and I am unable to reach MOHELA by phone. And their phone number doesnt work either too! I also attempted to reply to emails sent by MOHELA regarding tax documents, but those email addresses do not accept replies. I am very concerned that I am paying my loan but have no online access to my account, payment history, statements, or tax forms. I am requesting immediate assistance to restore my online account access or to be provided with an alternative secure method to manage my loan and obtain my documents.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bounce AI, Inc.
State: MD

Complaint narrative:
This is a debt collector called bounce ai. The contacted my exciting wife about a debt. We have been divorced for 4 years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Nothing happened yet theyre discharging me a whole bunch of fees and interested. I dont understand. I took out a loan for {$6200.00} and if I pay the loan to their terms theyre saying I will owe them {$14000.00}. I dont understand the breakdown of this and I dont understand the fees that are attached to this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
They had me paying for an account I never opened now I'm in hardship and it's messing up my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate reporting and incomplete credit information. According to the Fair Credit Reporting Act, section 609A1A, you are required by federal law to verify through physical verification of the original signed contract, any and all accounts that you post on a credit report. Otherwise, anyone paying you for your debt is fraudulent. I demand to see verified proof, if there is failure to validate, please remove from my account 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 non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased a vehicle financed through Westlake. My payment was due on the XXXX and was made on the XXXX. On the same day the payment was made, the dealer claimed they received a notice of default and repossession demand from the lender. However, after the payment was made, I contacted Westlake and was informed that the account was not in repossession status and no repossession had been authorized. I have proof of this communication. Despite this, the dealership took possession of the vehicle without providing any legal repossession order or authorization from the lender. When asked for proof, they refused to provide documentation and stopped responding. The vehicle was taken wrongfully after payment was made and without proper authorization. I am requesting immediate return of the vehicle and investigation into the dealerships actions, as this appears to be an unauthorized and wrongful repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I filed a complaint regarding an account being reported and collected by Midland Credit Management. The company responded on XX/XX/year>, stating the account was verified and provided billing statements as documentation. However, the documents provided do not constitute proper validation of the debt. The response only included account statements and did not include a signed agreement, contract, or any document bearing my signature that proves I am legally obligated for this debt. Additionally, Midland Credit Management did not provide proof of legal ownership of the account, including a complete chain of assignment from the original creditor to their company. There is also no full payment history from the date of account opening through charge-off to support the balance being reported. The balance being collected appears to include interest, fees, and over-limit charges, but no explanation or itemization was provided to show how the total amount was calculated. As a result, I am disputing the accuracy of the amount being reported. I have made a good faith effort to resolve this issue, but the company has failed to provide sufficient documentation to validate the debt or verify the accuracy of the reported balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
XXXX XXXX {$200.00} Money was transferred to someone else account and ask could they send it bank no response or anything I report it to the company no response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NORTH AMERICAN FINANCIAL CORP
State: NJ

Complaint narrative:
We closed on property XX/XX/XXXX with North American financial Corp. we received a goodbye letter XX/XX/XXXX with a transfer date of XX/XX/XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX did not have mortgage information in their system until late XX/XX/XXXX. In the interim, we continued to make payments to XXXX as instructed. We have bank and XXXX confirmation of payment. Fay Servicing did not receive the XXXX payment in the transfer nor have any record of it. According to XXXX XXXX, they received the loan as of XX/XX/XXXX, not XX/XX/XXXX. Late fees have been assessed by XXXX XXXX. We have already made XXXX and XXXX payments to XXXX XXXXXXXX XXXX CFO, XXXX XXXX, stated there was a problem with the servicer that received the mortgage prior to XXXX XXXX in a phone conversation on XX/XX/XXXX. However, we have no information about this other servicer. Our Goodbye Letter from XXXX only mentions XXXX XXXX XXXX XXXX. After a multitude of telephone conversations we have sent a formal Notice of Error as the 60 day transfer period is coming to an end. Also, XXXX XXXX representatives have stated that there is no 60 days window upon transfer of loan servicing in which late fees are not assessed and reporting of such to credit bureaus is waived.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rosenberg & Associates Recovery Services
State: CA

Complaint narrative:
Calls from company that uses multiple phone numbers. Block calls will not work. Identify themselves as Rosenberg and Associates. They will repeatedly call 5-6 times per day. When I filed for bankruptcy, they refused to give me any documentation to give my lawyer. They just said I owe the bill and need to pay it.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 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: Klarna AB
State: LA

Complaint narrative:
Klarna reopened a previously paid-in-full account without authorization and misapplied {$1200.00} from a separate XXXX XXXX account that was already paid in full and closed. The correct amount associated with my case is {$1300.00} ( SCAR military benefits ), they reopened a paid off account ( XXXX XXXX ) and gave me the bill, insteading of giving me a remaining {$130.00} that has not been properly applied. {$1300.00} ( SCAR ) - paid account/ that they illegally reopened almost a year later {$1200.00}. I need them to reclose the account and they can give me the difference : {$1300.00} - {$1200.00} = {$130.00}. As a result, Klarna has created an invalid balance and is attempting to hold me responsible for repayment of funds I do not owe. I filed a formal complaint directly with Klarna ( Reference # XXXX ), but I have not received a resolution. This issue involves : Unauthorized reopening of a closed/paid account Misapplication of funds from an unrelated account Failure to correct a billing error Requested resolution : Correct account to reflect Paid in Full Issue the remaining {$130.00} owed Remove any invalid balance or repayment obligation Confirm no negative credit reporting or collections activity I have documentation supporting my claim. I can provide more documentation if needed. I have emails since XXXX XX/XX/year>. Klarna can provide the recorded phone/chat messages and records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: FL

Complaint narrative:
15 USC 1602 ( g ) ( 2 ) there was no evidence Of indebtedness, there was only an agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void DELETE

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: DriveTime
State: TX

Complaint narrative:
I paid a {$400.00} down-payment XXXX XXXX XXXX XXXX XXXX Texas on a vehicle. The vehicle was returned and they charged me {$100.00} since I went XXXX miles over. They gave me another vehicle and used {$300.00} as the down payment. The vehicle had issues and was returned to the dealership not exceeding the miles. They said I would get my refund. I went to pick up the check 3 weeks later and it's {$12.00}. I asked for an itemized list of what I was charged for and they have not responded to my email. They sent me the contract that I signed for the second vehicle and that's all the communication we have had. They can not explain to me what I was charged for and I need to know where my money went. I want my refund of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: NY

Complaint narrative:
On XX/XX/2026, while checking out at XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX ), a cashier presented what I understood to be a discount on my purchase. Without my informed consent, a credit card application was submitted in my name with Comenity Bank. I did not knowingly apply for this card. I contacted Comenity Bank on XX/XX/2026, and was told they could not rescind the application, only close the account. The hard inquiry remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-04-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am submitting this complaint regarding Barclays Bank Delawares handling of disputed charges and its claimed balance on my AAdvantage Aviator account. Barclays has not provided a lawful, transaction-level explanation of what it says I owe, yet it continues to insist the balance is valid. The account history itself shows unresolved errors. The XXXX relationship reflected a {$0.00} statement balance as of XX/XX/XXXX. Later, on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX transactions posted in the amounts of {$6900.00} and {$450.00}. In the XX/XX/XXXX statement cycle, Barclays then posted three major payment reversals totaling {$21000.00} : {$6900.00} reversed as CUSTOMER ADVISES NOT AUTHORIZED, {$7400.00} reversed as INSUFFICIENT FUNDS, and {$6600.00} reversed as INSUFFICIENT FUNDS. That same XX/XX/XXXX cycle also shows {$13000.00} in credits for prior disputed foreign transactions. After that, Barclays continued adding fees and purchase interest. Barclays own CFPB responses have not resolved these issues. In one response, Barclays stated that previously identified fraud transactions had already been credited and that the remaining balance was valid. In a later response, Barclays said it would not assist further, relied on alleged verification calls, and asserted that no new or different information had been provided. Barclays still has not produced the underlying evidence needed to support those conclusions. This is a billing-error dispute under the Fair Credit Billing Act and Regulation Z. A billing error includes an unauthorized extension of credit, a failure to properly credit a payment, an accounting error, and a request for documentary clarification. Regulation Z also provides that when a consumer properly disputes a billing error, the consumer need not pay, and the creditor may not try to collect, the portion of any required payment the consumer believes is related to the disputed amount, including related finance or other charges. In addition, in any action to enforce liability for credit-card use, the issuer bears the burden of proving that the use was authorized or that the conditions for liability were satisfied. ( eCFR ) My dispute is specific. I dispute the validity and documentary support for the three payment reversals, the fees and interest that flowed from those reversals and the disputed balance, and Barclays unsupported conclusion that the remaining amount is valid. Barclays has not provided the payment trace data, return codes, timestamps, internal logs, call recordings, transcripts, or agent notes that would be needed to verify its position.

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 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
In XXXX, 2024, XXXX, 2024 and XXXX fraudulent activity occurred on my credit card. Small transactions total over {$3000.00} in XX/XX/year>, Over XXXX in XX/XX/year> and again in XX/XX/year>. The transactions occurred on the XXXX XXXX and the XXXX XXXX. I live in XXXX, I also have not used the credit card since XXXX. I called the company and was immediately transferred to collections, and I explained that there is fraudulent activity on my card. I was transferred to the fraud department. The transactions were disputed and I was issued a new card number. I checked my balance again a month later and there was still charges on the account. I called and again was sent to collections. I again explained the situation and was transferred to the frad department. I was told that there was still undisputed transactions on the account. The representative disputed them. I wanted to close the account in XXXX, 2024 and was told there was still a {$1.00} on the account due to apple cash being refunded and they requested that I pay. I told them that there should be a remaining balance of {$0.00} on the account because I have not used the card since XXXX. They put in in a request for the {$1.00} to be removed and closed the account. XXXX-I am trying to open a high yields savings account and was told there is still issues with this credit card and that I have to call the call the credit card company. I called the credit card company and they kept transferring me between collections and the fraud department. They still say I owe {$1.00} and want me to pay it because the apple cash from the fraudulent activity was refunded. I spoke to a XXXX who said they will put in another request to dispute it. I should have a balance of {$0.00} on this card, because I had this card paid off in XXXX with no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
This account is being reported on my consumer file without proper validation. Under XXXX CFR XXXX ( b ), you are required to provide a compliant validation notice containing all required disclosures. To date, I have not received sufficient documentation validating this alleged debt. Additionally, under FDCPA XXXX, I am requesting full validation of this account, including : Original creditor information Complete account statements Proof of your legal authority to collect Documentation bearing my signature or obligation Furthermore, under FCRA XXXX ( b ), you are required to ensure maximum possible accuracy before reporting any information. Reporting a debt that has not been properly validated constitutes inaccurate and unverified reporting. If you can not provide proper validation, you must : Cease reporting immediately Delete this account from all consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Coconut Funding Corporation
State: CA

Complaint narrative:
I was Miss lead about being approved for loan advance they sent me contracts to virtually signed 1 was for the advance loan the other was for a processing fee of {$1900.00} the Rep by the Name of XXXX reached out to me once the docs were signed and said everything looks good, we will process the payment and get this done and funded for you tomorrow this was on XX/XX/year>. Docs were signed XX/XX/year> the XXXX my account the next day and now I've called them and have threatening not to call back and hang up on me and have told me they are not giving me my money back XXXX XXXX is extremely rude he can be reach at XXXX or XXXX at XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have beenfraudulently opened and are being reported on my credit reportwithout my authorization. While I was traveling, I lost my laptop, phone, and wallet, which led to unauthorized individuals gainingaccess to my personal information and opening these accounts inmy name WELLS FARGO BANK XXXX 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 non-monetary relief