vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing the reporting of a charge-off account with Midland Credit Management , Account Number XXXX XXXX XXXX XXXX XXXX reporting a balance of {$2500.00}. I do not have access to this account and have not been provided with the information I am entitled to review. I want to see the complete account history from a {$0.00} balance to the present balance, the date of first delinquency, the date the account was charged off, and the amount at charge-off. I am also requesting a copy of the original signed agreement for verification. Additionally, this furnisher failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were obligated to send me a Negative Information Notice ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) and an Adverse Action Notice ( 15 U.S.C. 1681m ). I never received either. These failures denied me the opportunity to address the account or dispute my credit report and constitute FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
I am a Public Service Loan Forgiveness ( PSLF ) borrower with an urgent data reporting dispute. As of XX/XX/XXXX, my qualifying payment count should be XXXX, but my official tracker incorrectly shows XXXX. The Error : There is an 8-month gap from XX/XX/XXXX through XX/XX/XXXX that is not being counted. My official XXXX file ( dated XX/XX/XXXX ) shows my loans are incorrectly assigned Repayment Plan Type Code I5 ( SAVE ). I have never been on the SAVE plan ; I have remained on my existing repayment plan since XXXX. The Impact : This incorrect coding caused my account to be erroneously swept into a non-qualifying litigation forbearance during XXXX. I hit my XXXX payment in XX/XX/XXXX. I spoke with FSA today ( Case # XXXX ) and was told I would have to wait 6 months for a fix, which would illegally delay my loan discharge. Requested Resolution : I am requesting an immediate manual audit to correct the 'I5 ' plan code error and re-report the XXXX XXXX XXXX window as 'Qualifying ' so my count reflects the accurate total of XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NV

Complaint narrative:
CFPB Complaint Cash App CompanXXXX : Cash App / Block , Inc . Issue : Unauthorized transactions / account takeover I am filing a complaint regarding unauthorized transactions on my Cash App account resulting from an account takeover likely initiated through a malicious notification link. On XX/XX/XXXX, I received an unusual notification and clicked it but did not enter any credentials or authorize access. On XX/XX/XXXX around XXXX XXXX. ET, four transactions occurred within two minutes. Two were blocked, two completed totaling {$800.00} ( {$300.00} and {$500.00} ). Transactions originated from an unrecognized XXXX XXXXl device in XXXX XXXX I reside in XXXX and only use an XXXX. The recipient has repeatedly changed their Cash App identity, indicating evasion behavior. Cash App denied my claim citing 'security lock, ' ignoring clear indicators of unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am disputing the information found in the FTC complaint, as it appears on my credit profile. I want to validate that the debit proves it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My husband passed away on XX/XX/year>. I am the sole beneficiary LISTED on a XXXX savings account. I overnighted ALL required forms including the XXXX, notarized affidavit of identity, and letter of intent. It has been XXXX days. Every time I call, they tell me that it is still " processing ''. What is there to process? The whole point of a XXXX is intant release of funds! Everything single other account has been transferred, or I have received the check. There is $ XXXX in this account. They are playing games with my money. I am trying to raise XXXX children now on my own and Marcus/Goldman Sachs is holding my funds hostage. This is a completely unreasonable amount of time and they can not even give me an estimate of when I should see the funds. I even opened my OWN account there to speed up the process with the transfer, but to no avail. The agents I spoke with are uneducated and did not even know what CFPB stood for. My next step is a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
My lease ended XX/XX/year>, during Covid there was no one in the building. I called Mercedes-Benz financial and they told me to leave the car since the lease was done at the Mercedes-Benz in XXXX XXXX and deposit the key. I did exactly that they have charged me {$8300.00} in excess wear and tear, end lease fee & nsf. When in reality, no one accepted the vehicle or has given me any information. Now seven years later, they are reporting me on time payments. I would like it removed due to the fact that it remains on my credit report erroneously. When I called all they want is payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: GA

Complaint narrative:
The account reported by Westlake Financial Services contains multiple inaccuracies, including but not limited to inconsistent balance reporting, incomplete payment history, and incorrect delinquency dates. I have requested verification of the Date of First Delinquency, a complete payment history, and documentation supporting the reported balance, including any deficiency calculation following repossession. This information was never provided on my request dates, I request immediate deletion of the account. I have disputed this matter and requested verification on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my credit file. I have disputed the account listed below with the reporting company/collection agency ; however, they have failed to provide proper validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Account Name : TEK-COLLECT INC Account Number : XXXX Despite my request, the company has not provided : - A signed contract or agreement bearing my signature - Complete account history showing how the balance was calculated - Proof they are legally authorized to collect this debt - Proper documentation verifying the accuracy of the account Under the FCRA, all information reported must be accurate and verifiable. Reporting an account without sufficient validation is a violation of federal law. Because the company can not properly validate this account, I am requesting : 1. Immediate deletion of this account from all credit reporting agencies 2. Written confirmation that this account has been removed 3. An investigation into the companys reporting practices If this account is the result of identity theft, I am requesting it be blocked from my credit file under FCRA Section 605B. I expect this matter to be resolved promptly. If not, I am prepared to escalate this issue further. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year> I was scammed by someone named " XXXX XXXX '' from a foreign country. Someone got ahold of my Paypal Account and sent themselves money. They sent {$1100.00} to themselves. I quickly noticed this charge and contacted my bank to reverse it and change accounts and cards. I opened a case with Paypal and they quickly closed it saying it was " normal activity '' and did not investigate further. I have tried getting ahold of them several times and it has not escalated. Now I have a negative balance on my account and I have been told to pay the fraudulent money back. I never had that much money in my account in the first place so I went in the negatives. I am unsure why the money was approved to be sent since I did not have that much money in the first place. They keep telling me their supervisor will call me but I have not heard back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I financed a cabinet purchase through Bread Financial for installation in my home. The initial delivery contained multiple defective and non-conforming items, and a subsequent replacement shipment also included defects and missing components. As a result, my kitchen has been unusable for over four months. I made multiple good-faith attempts to resolve the issue directly with the merchant, including emails sent on XX/XX/XXXX and XX/XX/XXXX outlining the defects and requesting a resolution plan, replacement confirmation, and quality control assurances to prevent repeat issues. These communications were not substantively addressed. After continued lack of resolution, I filed a dispute with Bread Financial. Only after the dispute was filed did the merchant respond and place another replacement order, without addressing the underlying concerns or confirming how repeated defects would be prevented. The replacement order appears to have been initiated reactively rather than as part of a structured resolution process. Bread Financial denied the dispute on the basis that the merchant is working with the customer and advised continued acceptance of replacement shipments. However, multiple prior deliveries have already failed, and no clear corrective process or resolution threshold has been provided. I do not have confidence that additional replacement attempts will resolve the issue. Additionally, I experienced difficulty communicating with Bread Financial by phone, including repeated disconnected calls and instances where I could not be heard. I also received an unexpected late-night call as part of an escalation attempt, followed by a voicemail, which is attached for reference. Subsequently, I received an email reiterating that I should wait for the next replacement shipment and continue working with the merchant. Taken together, these communications limited effective engagement during an active dispute process. At this stage, the merchant has had multiple opportunities to cure the defects and has failed to do so. I am requesting that Bread Financial conduct a full review of the dispute decision and reconsider the case based on the repeated delivery of non-conforming goods and the extended inability to use my kitchen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was charged XXXX dollars in my bank account for a charge to prize picks that I did not make and when I called Wells Fargo they said they would do an investigation and it was denied. Does not seem fair to me and would like them to give me my money back.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have been receiving repeated calls from LVNV Funding LLC and Credence Resource Management regarding a debt I do not recognize and did not authorize. Around [ insert approximate date ], I disputed this account and requested validation, including documentation with my signature. I have not received any proof. I also asked that they stop contacting me and remove my information, but the calls have continued. I believe this may be a case of mistaken identity or inaccurate reporting. I am requesting that all communication stop immediately, my information be removed, and proper validation be provided if the debt is claimed to be legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
XX/XX/XXXX i called Radius Global Solutions because after buying a house and running my credit I was notified that there was a debt collection on my credit. I called them and they provided the account number and stated the collection was from XXXX XXXX XXXX XXXX services that was running from XXXX of XXXX to XXXX of XXXX then disconnected. I nor anyone in my family even lives in Tennessee I don't know how they got my social but apparently it was connected to that account in collections that was posted in XXXX of XXXX. I currently have phone services from XXXXXXXX XXXX XXXX but i have never had internet services with them.

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 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint because Synchrony Bank applied {$2800.00} in retroactive 'deferred interest ' charges following an 18-month promotional period that was marketed as interest-free. In previous correspondence ( Case XXXX ), Synchrony admitted they are unable to provide the original sales slips or signed disclosures from the point of sale, claiming their retention period has expired. Without these documents, the bank can not prove that the 'deferred interest ' terms were clearly and conspicuously disclosed as required by law. Furthermore, the bank has increased the APR on this account to 39.99 %. This extreme interest rate, combined with overlapping promotional deadlines ( XXXX and XX/XX/year> ), created a confusing billing structure that made it nearly impossible to track payment allocation toward specific promotional balances. I believe these practices are predatory and the disclosures provided on monthly statements were not sufficient to override the misleading marketing at the time of purchase.

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 monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am filing this complaint regarding the repossession and sale of my vehicle by Bridgecrest Financial following a motor vehicle accident. On XX/XX/year>, I was involved in a motor vehicle accident while working. My vehicle was towed to a storage facility as a result. At that time, I was current on my loan and not in default, and my payment history reflects no delinquencies. On or about XX/XX/year>, I received a Notice of Disposition and Plan to Sell Property from Bridgecrest Financial. The notice stated that I could reinstate my contract for approximately {$1300.00} or redeem the vehicle for approximately {$22000.00}. Immediately after receiving this notice, I took action by contacting my attorney, and a Letter of Representation was sent to Bridgecrest Financial prior to any sale of the vehicle. Despite having notice of legal representation and my active efforts to address the situation, Bridgecrest Financial proceeded with taking possession of and selling the vehicle. The vehicle was ultimately sold on XX/XX/year> for approximately {$2900.00}, resulting in a claimed deficiency balance of approximately {$18000.00}. Although I did receive a written accounting of the sale, the information provided raises serious concerns. I dispute the validity of the repossession because I was not in default at the time my vehicle was taken. I also have concerns about whether the vehicle was sold in a commercially reasonable manner, given the significant difference between the sale price and the remaining loan balance. I have not been provided with sufficient detail regarding how the sale was conducted, including whether the vehicle was properly marketed or whether fair market value was obtained. As a result of losing my vehicle, I was unable to work from XX/XX/year> through XX/XX/year>. I typically earn between {$250.00} and {$300.00} per day, and using a conservative estimate of {$270.00} per day over 30 days, I lost approximately {$8200.00} in income. In order to return to work, I was forced to rent a vehicle starting XX/XX/year>, and have incurred approximately {$2700.00} in rental expenses to date. The repossession and sale of my vehicle have caused significant financial hardship, including loss of income, ongoing expenses, and loss of use. These damages are ongoing. I believe Bridgecrest Financial improperly repossessed my vehicle without a valid default, failed to properly account for my legal representation, and may not have conducted a commercially reasonable sale. I am requesting a full review of the repossession, validation of the deficiency balance, correction of any negative credit reporting, and compensation for damages caused by these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing the reporting of a charge-off account with Portfolio Recovery Associates , Account Number XXXXXXXX XXXX XXXX XXXX XXXX, reporting a balance of {$390.00}. I do not have access to this account and have not been provided with the information I am entitled to review. I want to see the complete account history from a {$0.00} balance to the present balance, the date of first delinquency, the date the account was charged off, and the amount at charge-off. I am also requesting a copy of the original signed agreement for verification. Additionally, this furnisher failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were obligated to send me a Negative Information Notice ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) and an Adverse Action Notice ( 15 U.S.C. 1681m ). I never received either. These failures denied me the opportunity to address the account or dispute my credit report and constitute FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
I have two collections on my credit report from two agencies one from XXXX XXXX XXXX to pay to XXXX XXXX apartments which was the original debt collector for {$370.00} and the second agency is trans world systems and pay to XXXX XXXX apartments for {$370.00}. I called today to XXXX XXXX XXXX and they told me that I had to pay in full and that they dont know who the other collections agency was. Then I called the trans world and they told me the same thing, they are reporting twice and are asking me to pay twice. They were both rude and didnt want to help me understand who owns the debt,

Company response to consumer: Closed with explanation