vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
i dont understand what happen when i was XXXXXXXX XXXX XXXX and tranactions from my bank to cashapp i called the bank they gave me my money back XXXX then they debit the cashapp back for XXXX which is minus that amount they have my XXXX  money to i dont know how to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Collection Service Inc (GA)
State: AL

Complaint narrative:
Consumer Financial Protection Bureau, I am submitting this complaint as an escalation regarding inaccurate credit reporting and the failure of the furnisher, XXXX XXXX XXXX, to conduct a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 


Company Being Complained About : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Information : Lease Number : XXXX Reported Balance : {$3700.00} Move-Out Date : XX/XX/2021 I dispute the accuracy, completeness, and verifiability of this account. The furnisher continues to report a balance that is contradicted by their own documents and unsupported by competent evidence. 

The following issues demonstrate inaccurate reporting and inadequate investigation : XXXX. A demand letter dated XX/XX/2021 states the account was XXXX days past due, despite my tenancy ending on XX/XX/2021 and no XXXX rent being itemized. 
XXXX. The amount of rent charged for XX/XX/2021 differs between the billing statement ( {$750.00} ) and the demand letter ( {$530.00} ), demonstrating inconsistent accounting. 
XXXX. Cleaning charges of {$240.00} and a disposition fee of {$290.00} have never been supported with invoices, photographs, or vendor proof. 
XXXX. Multiple late fees totaling approximately {$300.00} {$400.00} lack documentation showing proper notice or lease authorization. 
XXXX. Utility charges and service fees appear to extend beyond my occupancy and are not supported with actual billing records or meter documentation. 
XXXX. The application and calculation of my {$370.00} security deposit has not been clearly validated. 

Despite these documented inconsistencies, the furnisher continues to verify the balance without providing competent evidence or correcting the errors. This violates the FCRA requirement to report information with maximum possible accuracy and to conduct a reasonable investigation when a consumer disputes information. 

I am requesting that the CFPB require the furnisher to provide full documentary proof of every disputed charge or to delete or correct the inaccurate credit reporting immediately. 

I have attached supporting documentation, including billing statements and the XX/XX/2021 demand letter, showing the inconsistencies described above. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECKredi of Kentucky, LLC
State: CT

Complaint narrative:
Checkredi is attempting to collect a {$20.00} returned ACH fee related to a {$25.00} XXXX XXXX purchase. 

The XXXX debit was attempted against a closed account. Once notified, I immediately offered to pay the full {$26.00} purchase amount. There was no refusal to pay and no loss of goods or services. 

XXXX XXXX assessed a {$20.00} fee that is disproportionate to the transaction and the actual cost of a returned XXXX. Checkredi is now attempting to collect this disputed fee. 

I dispute the validity and amount of this debt. I believe the fee is unfair and not legally owed. I am requesting that the fee be removed and collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Every month I have paid an extra amount payments to be applied to my principal only. Every time I look to see if that payment was made and put into principal they don't do as I request. 
I have to call every week just to get my extra payment put towards principal only. 
Recently, I've encountered a new dilemma with Select portfolio Services and my regular payments. My monthly payments are made on time and my escrow and insurance get paid, however, my principal amount does not get paid but gets place at the end of the of XXXX months ahead payment. I ask numerous times to please place these principal payments towards my principal immediately. 
Meanwhile, I'm being charged interest to the balance while my XXXX payments and regular payments principal sit in unapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I ordered an XXXX laptop computer and XXXX XXXX coverage using reward points from my Chase Sapphire Reserve XXXX through their affiliated XXXX XXXX  Chase. 
I received an email confirmation of my order. ( see attached email pdf ) On XX/XX/XXXX I received an email from XXXX XXXX Chase confirming my purchase at been shipped. ( see attached email pdf ) On XX/XX/XXXX I received an email from XXXX XXXX Chase confirming my proof of XXXX XXXX XXXX. ( see attached email pdf ) On XX/XX/XXXX I received an email from XXXX stating my purchase was scheduled for delivery on XX/XX/XXXX. ( see attached email pdf ) Over the next few days I received several more updates from XXXX saying my package was out for delivery, then that delivery was delayed, and eventually that I would be notified when delivery was re-scheduled. I did not keep copies of all these messages but have attached the current XXXX tracking status documentation. ( see attached XXXX tracking pdf ) After several attempts to contact the XXXX XXXX Chase and being left on end less hold, I followed the instructions they provide while on hold that if you want to cancel an order to send them an email request to cancel. I sent this email, with all the required information to XXXX XXXX  Chase on XX/XX/XXXX. ( see attached email pdf ) On XX/XX/XXXX I received an auto response email from XXXX XXXX  Chase saying they would " get back to you w/in 2 business days ''. ( see attached email pdf ) I never heard back from them. 

On XX/XX/XXXX I called back to XXXX XXXX  Chase and after an hour on hold spoke to a representative about my request to cancel my order and have my rewards points and $ returned to my account. I was told that this would happen within 5 business days. 

On XX/XX/XXXX I called Chase Sapphire XXXX XXXX to ask that the charge of {$57.00} on my card ( which was the balance to cover the full cost of the computer and XXXX XXXX in addition to my rewards points ) be removed from my bill as I had never received the product ordered. I was told that they could not remove this charge and I would have to go back to the XXXX XXXX Chase to resolve the issue. 

It is now more than 50 days since I placed this order. Nothing has happened - no computer, no refund of my points ( worth approximately {$1100.00} in value ), no refund of the balance charged to my Chase Sapphire XXXX XXXX of {$57.00}. And no communication from XXXX XXXX  Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
Balance : {$110.00}, XXXX I am filing this complaint to document repeated errors, misapplied payments, inaccurate account updates, and improper servicing actions by XXXX and Mohela that have harmed my credit, increased the amount I owe, and delayed or denied access to benefits I am entitled to.

My specific issues include : Career of errors starting with XXXX : While serviced by XXXX, I experienced misapplied payments, inaccurate accounting of qualifying payments for forgiveness programs, and guidance toward forbearance rather than correct income-driven repayment options despite eligibility. These errors increased my principal and interest and delayed progress toward forgiveness. XXXX has been subject to enforcement actions and a CFPB ban for similar conduct, including steering borrowers into forbearance instead of affordable plans.

Errors Continued and Worsened After Transfer to MOHELA Errors continued and worsened after my loan was transferred from Navient to MOHELA. Payments that had previously been reflected accurately in the XXXX servicing system were later incorrectly marked as unpaid, missing, or applied to the wrong periods after the transfer.

I have not been able to provide historical documentation from the XXXX portal because access to my XXXX account and records was terminated upon transfer to MOHELA. As a borrower, I was not given the opportunity to download or retain full payment histories before the transfer, and those records are no longer available to me through XXXX or MOHELAs online systems.

Despite the servicers obligation to maintain and transfer accurate records, MOHELA has failed to reconcile my account using its own internal servicing data and transfer records. As a result, my payment history remains inaccurate, and my qualifying payment count toward Public Service Loan Forgiveness ( PSLF ) and/or income-driven repayment forgiveness has been improperly calculated.

The inability to access prior records is not due to borrower inaction, but rather the servicers failure to ensure continuity, transparency, and borrower access to historical account information during and after the servicing transfer.

These servicer errors have financially harmed me by increasing owed interest, harming credit reporting, and delaying access to forgiveness programs for which I qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Online Information Services. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law.

The CFPB platform provides accountability and assurance that my request is properly forwarded and that Online Information Services is required to respond.

In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Online Information Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing regarding your repeated attempts to collect on an alleged debt that I dispute.

Let me be perfectly clear : I do not consent to any further contact from your company about this matter.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a collector in writing to stop communication, you must comply. Despite this, your calls and letters have continued, causing unnecessary stress and interfering with my peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a couch on a promotion with 0 % APR on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX store. The store associate who sold the couch to us didn't inform about the deferred interest rate ( which we learnt about just a day ago ) and was talking about 0 % APR and mentioned to auto-pay {$200.00} to the credit card account every month. We have did the auto-pay enrollment assuming it would pay off. 

Unfortunately, the promotion seemed to have been for only 2 years and have ended on XX/XX/XXXX and the outstanding balance was approximately {$890.00} at that point. 

Because of our negligence since its been 2 years since we bought the couch, we missed to check the statement for the last 5 months. Upon checking now, the outstanding balance went up to {$3600.00}. We reached out to Synchrony Bank immediately and we have been told that they cant help and we need to pay the remaining {$3600.00} to close this account even after trying to escalate it to the higher level account manager.

I felt like being scammed and cornered to pay off the amount, just because of my negligence to check the statement ( assuming that my account would have got paid-off ) and mainly due to misled with the information by the store associate at living space.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a Complaint against Capital One Bank in the amount of XXXX, XXXX he is alleging that I sent Money to Send wave, which my information was exposed on XXXX XXXX  page Social Security and Driver License along with Email address along with Capital One Bank information. 

Capital One XXXX XXXX Account ending in XXXX Your claims been denied Re : Claim XXXX XXXX XXXX, We finished researching your disputes. Based on the information we have, your claim has been denied due to the following : Due to authorization and/or participation in the transaction activity. 
You can still try to resolve this directly with the merchants. 

To request copies of any documentation used to make this decision, call us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX using Affirm to pay for the item. I returned the irobot and they received return on XX/XX/XXXX. I disputed the item to stop the payment process. Therefore, Affirm filed a chargeback with irobot so they process the refund. Affirm sent me irobot to resolve instead of them open a case for resolution. I called XXXX and they're blaming XXXX for not processing the refund. I feel like a ping pong because the back and forth. On XX/XX/XXXX, I called XXXX again in which they're saying Affirm still have a charge back and I should wait XXXX weeks to process the return. That is unacceptable! In order keep my relationship with Affirm, I am making payments on items that the merchant got the return.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Last year I requested information, my account number as well as amount owed as I have been working with a financal person to begin looking for solutions. They never sent info to me until I received a collection letter from a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/year>, I visited the ATM Machine at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX in order to make a cash Deposit of {$600.00}. Upon entering funds into the ATM machine, a glitch occurred. An alert appeared and it stated something to the affect that the funds can not be processed, but just as quickly it kicked out a portion of my cash deposit which was 2 of the 6 {$100.00} dollar bills I initially deposited. So then it asked if I wanted to make a deposit, even though my additional {$400.00} was still in there. I was not sure what I was supposed to do at this point in order to recover my addition {$400.00}, so I answered yes to the machine 's request. At that point, I got back my the other {$400.00} in cash that I started with. I opted not to try the deposit again that day. However, PNC charged a erronous withdrawal to my account which at that time deducted {$600.00} from my account on XXXX from my original balance of {$2000.00}. I explained on three disputed attempts to the bank about what happened. I still disagree with their efforts and resolution and refusal to correct the error. After talking to a banking consultant, they advise that complaint was not explained properly and that they would resubmit the correct way, someone by the name of XXXX, at first, then i spoke with a female on the XXXX of XXXX about status to find it had been denied again. Issue in question is One attempted deposited, funds got caught but returned, a withdrawal charged to my account in error due to language of ATM machine. As explained to the bank, I arrived with {$600.00} in cash and I left with my cash and a negative {$600.00} showing as funds withdrawn with I did not take.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Solar Mosaic LLC
State: VA

Complaint narrative:
I have been waiting since XXXX to complete a XXXX subordination for my mortgage refinance. My title company, XXXX sent everything on XX/XX/year>, to Solar Servicing LLC. After a delay, I personally emailed all required documents on XX/XX/year>. At that time, I was told it would take about six weeks. Since then, both I and my title company have made numerous attempts to get a clear timeline, yet we receive different answers each time. It is now late XXXX, and I still have no firm completion date. I urgently need this resolved so my refinance can proceed. Please provide a definitive date for the subordinations completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/year> I received a credit card from XXXX XXXX. The card was a XXXX issued by Comenity Bank. The card was for a limit of {$3800.00}. 

I call Comenity Bank to dispute this card as I had not signed up for it. They reviewed the account and let me know it was opened on XX/XX/year>. I let them know that this was fraudulent. 

They put a freeze on the account, and I again spoke with them on XX/XX/year> at which time they cancelled the card and instructed me to contact XXXX credit services. I followed up and placed a hold on any further applications and requested a credit report.

Company response to consumer: Closed with non-monetary relief