vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Sezzle Inc.
State: IN

Complaint narrative:
On XX/XX/year> I was a victim of an unauthorized phone ESIM swap through XXXX XXXX which allowed the hacker to gain full access to my phone. They were receiving all of my text messages due to me losing immediate cell phone service. They were able to access all of my apps and emails and were able to change passwords to the apps and for my email since they were receiving the one time authentication codes. Within minutes the hacker was able to gain access to XXXX different applications placing unauthorized transactions and causing financial distress. Those XXXX applications were XXXX XXXX, Sezzle and XXXX. The hacker was able to login into my XXXX XXXX account and under the borrow feature which is essentially a loan, and send themselves a {$600.00} payment with an added {$30.00} fee totaling {$630.00}. They also tried to request an additional {$600.00} but I was able to deny that request as they were requesting it, making their second attempt unsuccessful. I will attach a screenshot from cash app that will show XXXX different names which is not associated with my account and it also shows a new device login since it was an unrecognized login/location. The XXXX names that you will see are XXXX XXXX and XXXX XXXX. Those are the XXXX fraudulent transactions. For Sezzle and XXXX these XXXX apps were also fraudulently accessed again by changing the login information since they received the XXXX time codes. They made several purchases on these XXXX apps purchasing several different gift cards. The Sezzle and XXXX apps are apps that you can either make these purchases and pay them in full or you can pay them off in monthly installments. The XXXX app all the purchases that were made were paid for in full, there were no leftover installments. For the Sezzle app the hacker made several purchases but with all those purchases they only paid the first installments of the purchases leaving the remaining installments still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
When I contacted the company the reps stated there is nothing I could do besides pay the balance.

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 2026-04-21 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: GA

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 2026-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is effecting me mentally & messing with apply for things in my name This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Service, Inc. (Indiana)
State: NV

Complaint narrative:
I recently discovered that my wages are being garnished for a debt I do not recall authorizing or signing any documents for. My understanding is that the original balance with the management company was approximately {$450.00} {$490.00}. I was never made aware of this debt being pursued, and I do not agree with or understand how a matter that is nearly 10 years old has resulted in a wage garnishment without my knowledge. I am requesting verification of this debt and documentation supporting the garnishment.I was not present in court to defend myself of these actions and they keep sending it to court and charging me extra fee and calling to collect a debt

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 2026-04-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have a debt supposedly from a hospital bill. They called to have me settle or make payments a debt collector. Did. They charge a {$4.00} fee per payment that you make. There's no option for me to make a fee free payment and I refuse to pay extra for something that is a hospital service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/year>, a charge of {$65.00} was billed to my Apple Card for a yearly XXXX subscription renewal that I did not intend to continue. Shortly after noticing the charge, I contacted customer support to request a refund, explaining that the renewal was unintentional and that the yearly service had not been used after the charge. Despite my prompt request and explanation, the refund was denied according to their policy. I made multiple attempts to request reconsideration and asked whether the matter could be reviewed further or escalated for goodwill consideration. I was informed that no further escalation was possible and that the decision would not change. I canceled the subscription immediately after discovering the charge to prevent future renewals and confirmed that I would not be using the service. I am submitting this complaint because I made good-faith efforts to resolve this matter directly, but was not given any flexibility or manual review despite the fact that the renewal was unintended and the service was not used. I am requesting a fair review of this charge and confirmation that my dispute rights are properly honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, XXXX XXXX. XXXX ( 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 non-monetary relief
Consumer complaint received 2026-04-21 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: CA

Complaint narrative:
I am filing a complaint regarding repeated failure by MOHELA to properly apply my student loan payments and correct inaccurate credit reporting. Since approximately 2020, I have made consistent payments on my account, including multiple payments per month, in an effort to remain current. However, due to a documented servicing/system error acknowledged by MOHELA representatives , my payments have not been properly applied. Despite multiple contacts with supervisors and repeated escalation attempts, MOHELA has failed to correct the issue. As a result, my credit score has dropped significantly ( approximately XXXX to XXXX ), causing substantial financial harm, including impairment of my ability to obtain housing financing and plan for retirement. I am requesting correction of my account, proper application of all payments, and correction of all inaccurate credit reporting with the credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 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: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid {$2100.00} using the Coinbase XXXX credit card for a one-year paid membership/service ( not a physical product ). The merchant disappeared after payment and did not provide the service I paid for. I disputed the charge in XX/XX/XXXX. In XXXX XXXX, Coinbase denied the dispute because they treated it as a customer service/after-sales issue. However, there was no physical product, what I paid for is a one-year membership service and there was no membership service provided at allthis is a services not rendered situation ( not after-sales ). After I explained this, Coinbase said they reopened/reviewed my case, but I have received no response, I sent emails to Coinbase, there's no response to my follow-ups, either. Meanwhile, my account is still being billed for the disputed amount and interest/fees. I am aware of many other victims in the same scam. Many have obtained refunds from other major U.S. credit card issuers ( and even XXXX credit card ). Coinbase appears to be the only one that has not resolved this properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
b'XX/XX/XXXX I issued a formal Debt Validation Request via Certified Mail to AWA Collections XX/XX/XXXX I spoke with representativeXX/XX/XXXX During this recorded communication, the representative explicitly admitted she did not know if the company possessed the original contracts or the legal chain of title required for validation.\n\nDespite this verbal admission that the debt is unverified, AWA Collections continues to report this negative tradeline. It has been 56 days since my legal demand, and they have failed to provide the "competent evidentiary matter" required under Texas Finance Code 392.202. I demand the immediate deletion of account XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
On XX/XX/XXXX, I contacted Freedom Mortgage regarding XXXX scheduled mortgage payments that I had set up and was advised to monitor processing and follow up. On XX/XX/XXXX, I called to confirm that the XXXX payments ( approximately {$4900.00} total ) had been processed. During this time, there was confusion regarding payment processing, and XXXX additional payment attempts were initiated on XX/XX/XXXX and XX/XX/XXXX in the amount of approximately {$4600.00}, which were not approved by me and were rejected by my bank. On XX/XX/XXXX, I requested a mortgage payoff statement. This was the only time I called specifically to obtain the payoff letter, and I did not make additional verification calls beyond that request. I received a payoff statement dated through XX/XX/XXXX, which was used for closing. Prior to XXXX and prior to closing, I made multiple attempts to contact Freedom Mortgage to ask questions regarding what would be owed in XXXX and to offer to resolve or pay any outstanding XXXX balance if needed. However, I did not receive responses or clear communication back despite my attempts to resolve the situation until after XXXX. My home sale closed on XX/XX/2026 using the payoff statement provided by Freedom Mortgage and the title company. After closing, I was informed that additional amounts were owed, including charges labeled as XXXX payments and additional interest. These charges were not included in the payoff used at closing. I am disputing responsibility for post-closing charges that were not included in the payoff used to complete the sale of my home, as I relied in good faith on the payoff provided and attempted to resolve concerns prior to closing.

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 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Hanwha QCells USA Corp
State: TX

Complaint narrative:
I am filing a complaint regarding a loan provided by Enfin for a residential solar system purchased from XXXX XXXX. During the sales process, I was told by the solar company that I would receive a federal solar tax credit equal to approximately 30 % of the system cost. This was presented as a reliable and significant financial benefit that could be used to offset the cost of the system and influenced my decision to proceed with financing through Enfin. After filing taxes, I learned that the federal solar tax credit is not a guaranteed payment and depends on individual tax liability, and may not be fully realized. This limitation was not clearly or accurately disclosed during the sales and financing process. As a result, I entered into a loan agreement with Enfin under misleading assumptions regarding affordability and expected financial offsets. I also requested that Enfin pause or delay a reamortization adjustment due to my concerns about the loan being based on misrepresented financial assumptions. This request was denied. I am requesting a review of the loan and consideration of a modification or adjustment due to the misrepresentation that directly influenced my decision to enter into this financing agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
MCA Management Company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX A debt collection agency is hounding me via email with completely baseless claims that my insurance covered a medical service. I have recently suffered a XXXX XXXX and underwent a XXXX XXXX. This tactic is placing an immense amount of additional stress on my XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
BRIDGECREST is falsely reporting on my credit. I have never had any accounts with them. Per my research BRIDGECREST 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 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint narrative:
My student loan is being reported by both AES and PHEAA with incorrect personal information. I can not access the account due to a name error, yet both entities are negatively reporting it. This appears to be duplicate and inaccurate reporting, causing significant credit harm. Previously, I made a dispute through credit bureaus that confirms the errors. I request immediate deletion or correction under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Bilt Rewards regarding a failure of their system that prevented me from using {$300.00} eligible credit in hotel booking ( confirmation # XXXX, XXXX XXXX, Check-in : XX/XX/year>, Check-out : XX/XX/year> ) At the time of booking a hotel through Bilt Rewards, I was eligible for : A {$200.00} hotel credit ; and An additional {$100.00} credit redeemable through Bilt XXXX During checkout, I made multiple attempts to apply these benefits. I carefully reviewed every section of the checkout page, but the options to apply both credits were completely missing. Because the options were not displayed, I reasonably believed the credits might be applied automatically after booking. Based on that understanding, I completed the reservation. After booking, I discovered that neither the {$200.00} credit nor the {$100.00} Bilt XXXX had been applied.I immediately contacted Bilt customer service. However, they refused to apply the credits retroactively or cancel the reservation ( despite the issue being caused by their system ) Bilt later claimed that their system was functioning properly. This is not accurate. I have attached clear screenshot evidence showing that : No credit application options were available at checkout ; and There was no way for me to apply the benefits despite eligibility. This demonstrates that the issue was caused by a system or interface failure, not user error. I also have a screen recording showing the same issue. The screen recording is not uploaded here due to size limit, but it can be provided if needed. Because of this failure, I lost {$300.00} in benefits that I was entitled to and actively attempted to use. I am requesting the following resolution : A total of {$300.00} in compensation, either as a statement credit or equivalent refund, OR Retroactive application of the {$300.00} credit ( {$200.00} hotel credit+ {$100.00} credit redeemable through Bilt XXXX ) to my booking This is a reasonable request given that the inability to apply the credits was caused entirely by Bilts system. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am filing a complaint regarding a collection account being reported by Jefferson Capital Systems LLC that is inaccurate and has been repeatedly reinserted on my credit report over a period of several years. The original account was with T-Mobile. The balance being reported is approximately {$1100.00}, which is incorrect. My actual balance was approximately {$120.00}, and I returned the devices associated with the account, which were removed from the balance prior to collections.The balance also changes almost every time it is reinserted I have disputed this account multiple times with all three credit bureaus over the past several years. Each time, the account is removed due to lack of verification. However, it continues to be reinserted again after a few months. I have never received any written notification of reinsertion, which is required under the Fair Credit Reporting Act. Additionally, this issue has persisted for nearly seven years, raising serious concerns that this account may be improperly re-aged or reported beyond the legally allowed reporting period. This repeated reporting of inaccurate information without proper validation or required notification is causing ongoing harm to my credit. I am requesting : 1. Immediate and permanent deletion of this account from all credit reports 2. Verification of the original date of delinquency and confirmation that it is being reported within the legally allowed time frame 3. Documentation supporting the reported balance of {$1100.00} 4. Confirmation that this account will not be reinserted again without proper legal compliance If this issue continues, I will pursue further action for willful noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation