vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
My federal Direct loans all entered repayment at the same time, and I have the same qualifying employment and repayment history for PSLF. However, my servicer ( MOHELA ) is reporting inconsistent PSLF qualifying payment counts across my loans. Some loans show 16 qualifying payments, while others show only 11 for the same time periods. This indicates that qualifying payments are not being applied consistently across all loans. I am concerned that payments are being miscounted or improperly excluded, which may delay my progress toward Public Service Loan Forgiveness. I have attempted to resolve this but have not received a clear explanation or correction.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: SC

Complaint narrative:
I am 26 days late not even 30 days and they sent me an email threatening that I needed to pay or the account would be charged off. This is not even 30 days late and they are saying they would charge it off? That can not be valid. A charge off of an account should not happen at this stage yet they are threatening charging off the account which would have a very damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TFC Credit Corporation of California
State: MN

Complaint narrative:
Demand for Immediate Deletion of Obsolete Accounts ( FCRA Violation ) I am writing to formally dispute inaccurate and obsolete information currently being reported on my consumer credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). It has come to my attention that the following account ( s ) listed on my credit report are beyond the legally permissible reporting period under 15 U.S.C. 1681c ( a ), which strictly limits the reporting of most negative information to seven ( 7 ) years from the date of first delinquency : TFC CREDIT CORPORATION XXXX XXXX XXXXXXXX {$730.00} The continued reporting of these obsolete accounts constitutes a clear violation of federal law. These items are no longer legally reportable and must be immediately removed from my credit file. Furthermore, under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information. However, in this case, no reinvestigation is necessary regarding accuracythe sole issue is illegal obsolescence, which mandates deletion. Failure to promptly delete these items may result in my pursuing all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau and seeking damages for willful noncompliance under 15 U.S.C. 1681n. Please provide written confirmation that these accounts have been deleted from my credit report. If you contend that any of these accounts remain reportable, you must provide the date of first delinquency and documentation supporting your position. I expect full compliance within the statutory timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed XXXX negative accounts on my Experian credit report, including XXXX paid accounts from XXXX and XX/XX/XXXX that should have been removed XXXX student loans that are pending Total and Permanent XXXX discharge and should not be reporting as active Experian claims they investigated. The errors are still on my report. My XXXX and XX/XX/XXXX reports do not have these errors. My credit score dropped XXXX points because of Experian 's inaccurate reporting. Please require Experian to delete these inaccurate accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I was scammed for product and received and was scammed into think person was worker.i would like a refund of the money I sent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Summary of the Issue : I am filing this complaint because the company violated a written ceaseanddesist notice that I previously sent. Despite receiving clear written instructions to stop contacting me, the company continued to communicate with me regarding the alleged account. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and constitutes unfair and abusive conduct. Details of the Violation : I previously sent the company a written ceaseanddesist notice instructing them to stop all communication with me. The company received this notice, and I have documentation showing that it was delivered. After receiving my ceaseanddesist notice, the company continued to contact me. The communication I received occurred after they were legally required to stop. This is a violation of : FDCPA 805 ( c ) Ceasing communication FDCPA 806 & 807 Harassment and misleading practices FCRA 623 If they continued furnishing inaccurate or disputed information Evidence Provided : I have uploaded the following : A copy of my ceaseanddesist notice Proof of delivery/receipt A copy of the communication they sent after receiving my notice Any additional documentation showing continued collection activity Harm Caused : The companys unlawful communication caused : Stress and disruption Confusion regarding the status of the alleged account Unnecessary time spent responding to a matter that should have been closed Potential credit reporting harm if they continued furnishing inaccurate information Requested Resolution : I am requesting that the CFPB require the company to : 1. Acknowledge the ceaseanddesist violation 2. Cease all further communication 3. Provide written confirmation that the account is closed 4. Delete any negative credit reporting associated with this account 5. Provide documentation of their internal investigation 6. Ensure no further collection activity occurs Additional Context : This is not the first compliance issue I have experienced with this company. Their continued disregard for federal law and my written notices demonstrates a pattern of noncompliance. I am requesting full regulatory review of their conduct. -- -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am filing a complaint against Select Portfolio Servicing regarding failure to issue my escrow refund following payoff of my mortgage and providing inconsistent and misleading information about the status of those funds. I paid off my mortgage in full on XX/XX/year>. I was initially informed that an escrow refund check had been issued on XX/XX/year>. However, I never received any check. After multiple follow-ups, I recently spoke with a supervisor who stated that a check was never actually sent, which directly contradicts the prior information I was given. I was also told that escrow refunds are processed within 3060 days from XX/XX/year>. That timeframe has now passed, and I have still not received my escrow refund, any tracking information, or a firm issuance date. Despite repeated outreach, I have not been provided with : Confirmation of when the refund will be issued Any explanation for the conflicting information regarding whether a check was sent Any expedited method to receive my funds The servicer has failed to return funds that belong to me within their stated timeframe and has provided inconsistent and unreliable information throughout the process. Additionally, my payoff included interest through XX/XX/year>. I request confirmation of the exact date my payoff funds were received and applied, and whether any excess interest was collected. This delay has exceeded the servicers stated timeline and has been compounded by inconsistent and misleading communication. I am requesting prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am writing regarding an account being reported by LVNV Funding on my credit reports. This account has already been paid in full, and I am requesting that it now be deleted from all consumer reporting agencies in accordance with the pay-for-delete agreement that was made with your company. When I resolved this account, I did so based on the understanding that once payment was completed, the account would be removed from my credit reports. The account has been paid completely, but it is still appearing on my credit file and continues to harm my credit standing. Please treat this letter as a formal request to update and delete this account from any credit reporting agency to which it has been furnished, including XXXX XXXX XXXX XXXX. The CFPB states that when a consumer directly disputes furnished credit information, the furnisher must conduct a reasonable investigation and generally report the results to the consumer within 30 days. If your investigation determines that the account information is inaccurate, incomplete, or can not be verified as currently reported, please promptly notify all credit bureaus to delete or correct the tradeline. Please also send me written confirmation that the deletion request has been submitted and completed. If you contend that the account will not be deleted, please provide a written explanation of that position, along with copies of any agreement, notes, or records supporting your claim that the account may remain reported after full payment despite the pay-for-delete arrangement.. If you contend that the account will not be deleted, please provide a written explanation of that position, along with copies of any agreement, notes, or records supporting your claim that the account may remain reported after full payment despite the pay-for-delete arrangement. Thank you for your prompt attention to this matter. I expect written confirmation of the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Nation Credit Systems reported to my credit report and i have no knowledge of this debt or owing this collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
My name and information was involved in a data breach with XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have never had any accounts with this company, and there were 2 other companies who placed a collection on my credit report. The company is Sunrise Credit Service said opened XX/XX/year> for the amount of {$630.00}. There is no account number attached to this collection.

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 2026-04-06 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: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I contacted Chase because I found many charges that me and my authorized users did not make. I always confer with XXXX and XXXX ( both on my account ) to confirm all of our charges. When Chase called me after their investigation, they said that the charges were made with MY OWN physical card, not the cards of my authorized users. And that they were in-person. I asked if there was any way that my card could have been cloned and they insisted it was not possible given the info that they have. My card was in my possession and was not lost. While several of the charges were made in the area close to my home, some were much further, in areas where I don't go. They insist that I am responsible for the charges because they could not have been made by anyone else but me. Since then, they have cancelled the associated cards and issued new cards. Closing letter that I received from Chase : Chase Card Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Update : We completed our review of unauthorized transactions ) on your account Your account ending in XXXX Dear XXXX XXXX : Thank you for contacting us on XX/XX/year> about the unauthorized use of the credit card account above. We completed our review and would like to share the results of our investigation. You are responsible for the following transaction ( s ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You received benefit from this transaction. XX/XX/year> XXXX XXXX XXXX XXXX XXXX received benefit from this transaction. XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You received benefit from this transaction. XX/XX/year> XXXX XXXX XXXX XXXX received benefit from this transaction. XX/XX/year> XXXX XXXX XXXX XXXXXXXX You received benefit from this transaction. XX/XX/year> XXXX XXXX XXXX XXXX You received benefit from this transaction. XX/XX/year> XXXXXXXX XXXX XXXXXXXX You received benefit from this transaction. The valid transaction ( s ) above will remain on your current account along with any related interest charges and fees. The previously issued temporary credits ) has been removed. You can see the adjustment now at chase.com and on one of your next XXXX billing statements. We closed our investigation if you contacted us about additional unauthorized transactions, we'll address those in a separate letter. if any of the transactions above were previously credited Chase XXXX XXXXXXXX XXXX XXXX XXXX transactions, and you want to reapply them for statement credit, please visit your card rewards program at chase.com or call the number on the back of your card. If you have questions, please call us during business hours at XXXX. We're happy to help you. Sincerely, Fraud Department

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I traveled from XXXX XXXX to CarMax in XXXX XXXX, Maryland, and purchased a used vehicle. I financed the purchase through CarMax Auto Finance. From the beginning, CarMax provided incorrect ownership transfer documents and had to send multiple amended versions. The vehicle was registered in New York on XX/XX/XXXX, with the title requested in my name and my mothers name. On XX/XX/XXXX, the New York State DMV notified me that the title provided by CarMax is not the original or most recent title. A different title was issued for this same vehicle on XX/XX/XXXX. CarMax Financial confirmed they received the same DMV notice and forwarded it to the XXXX XXXX store. On XX/XX/XXXX Representatives at the XXXX XXXX location admitted the vehicle was purchased at auction and that another title was issued underneath their feet after CarMax acquired the car. They acknowledged CarMax had access to this information but sold the vehicle anyway without disclosing the title defect. As a result, I am making payments on a financed vehicle for which I am not the legal owner. The collateral is unsecured due to the title cloud. CarMax has been unable to provide any definitive timeline to resolve the issue and deliver clear title. This has left me as an at-risk consumer : I can not legally sell or transfer the vehicle, and I have already invested significant funds while the loan remains active. I have made my down payment plus both monthly payments to date. I also incurred travel expenses from New York to Maryland to pick up the vehicle, paid New York registration and title fees, and spent approximately {$6000.00} on good-faith improvements that have increased the vehicles value. CarMax, as the seller and originator of the financing, had a duty to deliver a vehicle with clear, marketable title. The failure to do so constitutes a serious issue with the financed transaction and the security of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year>, I applied for a Chase Ink Business Unlimited credit card and was initially denied. I called the reconsideration line, provided the requested documentation, and was approved. The card was shipped and I received the physical card ending in XXXX on or around XX/XX/year>. Upon attempting to activate and use the card, I discovered the account was showing as closed in the Chase Mobile app. I had not used the card, missed no payments, and had done nothing to warrant closure. The card was closed without any prior notice to me. I am a new small business owner who relied on this approved credit line as part of my business launch. The closure has caused financial disruption at a critical time for my business. I am requesting that Chase reopen my account immediately and provide a written explanation of why an approved, newly issued card was closed without notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Account is paid in full still showing charged offf

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 2026-04-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
Dates are incorrect selling my information to another collection without my promises

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 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
The company involved is cash app. I have a {$18.00} balance that I got in XX/XX/year>. I have been trying to withdraw my funds and I always get an error message saying my account is suspended. I have messaged support on numerous occasions. Each time Cash App says they have escalated the issue and someone will email me. Nobody ever contacts me back. Every time they give me the same excuse that the issue is escalated but they never fix the problem

Company response to consumer: Closed with explanation