vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to XXXXXXXX XXXX  for emergency dental care, just one visit...... they made me open a carecredit to pay for the services and then XXXX month later XXXX XXXXXXXX and care credit are expecting me to pay them both for the same things. I asked care credit about it and they told me to talk to XXXX XXXX XXXX XXXX XXXX wouldn't respond then when I went to the office they were closed. So I stopped paying care credit and not paying XXXX until I only am paying for the services once.

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 2026-01-03 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: PA

Complaint narrative:
I have no recollection of when MOHELA. He became my loan lender.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pacific Credit Exchange Corporation
State: TX

Complaint narrative:
I am filing this complaint because Pacific Credit Exchange ( PAC CR EXCHG ) is reporting a collection account on my credit report that I do not recognize and have no knowledge of. I have no contractual relationship with this company, and I have never received any written notice, billing statement, validation letter, or proof of this alleged debt prior to it being placed on my credit report. 
I have repeatedly disputed this account for well over six months and formally requested debt validation under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 611 and 623 ). To date, Pacific Credit Exchange has failed to provide a single piece of competent evidence establishing that this debt is valid, that they have legal standing to collect it, or that they have the right to furnish it to the credit bureaus. 
Proper validation requires, at minimum : Proof of ownership of the debt ( chain of title from Model Finance to PAC CR EXCHG ) A copy of the original signed contract or agreement bearing my signature A complete itemized payment history Proof of the amount claimed and how it was calculated Proof that proper notice was sent to me prior to credit reporting Verification that the information is accurate, complete, and XXXX XXXX compliant None of this has been provided. 
Despite the lack of validation, PAC CR EXCHG continues to report this collection, which is a direct violation of FDCPA 809 ( b ) ( continuing collection activity without validation ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate or unverifiable ). Reporting an unvalidated collection also violates XXXX XXXX reporting standards, which require all furnished data to be accurate, verifiable, and supported by source documentation. 
I have done my research on Pacific Credit Exchange, and I am aware that debt collectors are not exempt from federal compliance simply because a balance is alleged. Each violation of the FDCPA carries statutory damages of up to {$1000.00} per violation, and willful noncompliance with the FCRA exposes furnishers to actual, statutory, and punitive damages, in addition to attorneys fees.

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 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: KY

Complaint narrative:
On XX/XX/year>, I reached a settlement agreement with First Credit Services , Inc. to pay {$190.00} to resolve a debt for a XXXX XXXX  account ( XXXX XXXX location ). I made the payment immediately via XXXX. 
Since XX/XX/XXXX, I have called the agency XXXX times ( specifically on XX/XX/XXXX and XX/XX/XXXX ) to request my formal payment receipt and a settlement satisfaction letter. Despite spending over XXXX minutes on the phone across these calls, the agency has failed to provide any written confirmation of my payment. 
Instead of confirming my settled account, the agency has now sent me a collection notice for a separate, unverified debt of {$340.00} regarding XXXX XXXX XXXX  XXXX ( Reference : XXXX ). I do not recognize this debt. I have never been a member of the XXXX location, I reside in Kentucky, and I was out of the country in XXXX during the period this alleged debt was incurred. 
The agency is using aggressive collection tactics by offering 'settlement deals ' on this new unverified debt without providing the original signed contract I requested for validation. I demand my payment receipt for the first account and the immediate validation or removal of the second fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections Violated ADA law in XXXX, XXXX Utah they called my mother on her number and my mom was asking. What can I do for my son XXXX XXXX whos XXXX and they kept asking to speak to XXXX XXXX and my mother messaged me and gave me the phone number she has legal help over me. Has my learning XXXX is an XXXX mountain land collections violated my ADA rights and kept asking for me so then we called over the phone with me and they kept asking for me to only take care of it and not being accommodating to people with XXXX that is against the law. That is why Im reporting them. A guy named XXXX is extremely rude to my mother. This takes a lot to do this conversation because of my XXXX they should be ashamed of themselves so then I got on the phone call the next day with all the mighty I have and happen to get XXXX again. He was extremely rude and not accommodating with people with XXXX and I asked for a manager and a manager was extremely rude and had no clue aa laws and said they do not need to be Accommodating I asked why they did not contact me about medical debt XXXX years ago thats already been paid and she was hesitant giving me the information that it was from a doctor or XXXX doctors which I should report them too because they never informed us and they duplicated the bill. We have proof that the bill was paid. Theyre putting me through so much strain I can not handle it. I tried calling the doctor and the doctor will not get a hold of me for some apparent reason. The doctor should know that I have a XXXX. I dont know why they did this. The debt collector said they emailed me several stuff they never mailed me anything and said it was delivered. Im going to the post office to try to claim to see if they did send anything. Its all up in the air and I feel like theyre violating my rights which they are they need to be looked in to maybe theyll respond back to an apologize to me and let my mom handle all this. Its too much for me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvest Strategy Group, Inc.
State: WI

Complaint narrative:
Company : Harvest Strategy Group Type : Debt Collection Complaint : I am submitting this complaint based on XXXX XXXX written CFPB response stating that my charged-off credit card account is being handled by Harvest Strategy Group . 

I have never received a collection notice or validation letter from Harvest Strategy Group, despite XXXX XXXX claim. 

Meanwhile, I received collection notices from other agencies for the same account, creating confusion and raising concerns about unauthorized or misleading debt collection activity. 

If Harvest Strategy Group claims authority over this account, it has failed to provide required disclosures or validation under the FDCPA This complaint is directly related to my CFPB complaint against XXXXXXXX XXXX, Complaint ID XXXX, in which XXXX XXXX stated that this account is being handled by Harvest Strategy Group , despite my receipt of collection notices from other agencies and the absence of required disclosures or validation from Harvest Strategy Group .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed a {$4000.00} charge from * XXXX XXXX XXXX XXXX XXXX that appeared on my credit card statement dated XX/XX/year>. Capital One opened a dispute and requested additional supporting documentation. 

I submitted additional pieces of evidence on XX/XX/year>, before the dispute was closed. However, on XX/XX/year>, Capital One closed the dispute, stating on the XXXX that the dispute timeframe had expired. The closure notice did not acknowledge or reference the additional documentation submitted on XX/XX/XXXX. 

Because the most recent correspondence does not mention the additional evidence, it is unclear whether the information was reviewed before the case was closed. I am requesting that the dispute be reconsidered and, more importantly, that Capital One provide written confirmation stating that all submitted documentation was reviewed and verified, along with a clear explanation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: AZ

Complaint narrative:
I am filing a complaint regarding Wells Fargos improper handling and denial of my dispute involving XXXX unauthorized internet transactions in the amounts of approximately {$1300.00} and {$1200.00}. 

I disputed both charges after determining they were not authorized and were obtained through misrepresentation and deceptive practices by the merchant. I did not knowingly consent to this company charging my account, nor did I authorize either transaction under the terms that were presented at the time. 

Despite disputing both charges in good faith, Wells Fargo denied my claims without properly addressing the unauthorized nature of the transactions or the deceptive circumstances involved. The denials appear to rely on an incorrect assumption that authorization occurred, when in fact any perceived consent was based on false or misleading representations. 

I clearly informed Wells Fargo that : I did not authorize this merchant to charge my account The transactions were misrepresented The services were not delivered as promised or were materially different than represented The charges should qualify as unauthorized under applicable consumer protection rules Wells Fargo failed to conduct a reasonable and thorough investigation and did not adequately consider the facts or evidence related to these disputes. 

I am requesting that Wells Fargo : Reopen and properly review both disputes Permanently remove and credit the unauthorized charges of approximately {$1300.00} and {$1200.00} Correct any internal records related to these claims Provide a written explanation of how the final decisions were reached I am seeking CFPB assistance because Wells Fargos denials have caused financial harm despite my timely disputes and full cooperation throughout the process.

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 2026-01-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my XXXX XXXX card, which is used to receive my Social Security benefits. 

Funds were taken from my account without my authorization. I did not make these transactions, did not authorize anyone else to make them, and did not benefit from them. 

I filed a dispute with XXXX XXXX, but my dispute was denied. I am a XXXX Social Security beneficiary and depend on these funds for basic living needs. The denial has caused significant financial hardship.

I am requesting that this matter be reviewed, that the dispute be reconsidered, and that my stolen Social Security funds be restored. I am also requesting written documentation explaining the basis for the denial and details of the investigation.

These funds are federally protected Social Security benefits, and I believe XXXX XXXX failed to adequately investigate or protect my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: PA

Complaint narrative:
Monarch has called me and was blocked to call of one line. Has tried again once since. A paper was mailed to my house and I did send the request for information as well as a cease and desist letter via certified mail on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied to Citi XXXX credit card and got approved on XX/XX/year>. The sign-up bonus was get XXXX point when spent {$1000.00} in XXXX months, which was XX/XX/year>. It took around XXXX weeks for me to received the card, and before I could spend it, Citi froze my account requiring me to verify my IRS Tax form. I submitted the form and all of my accounts were unlocked and usable on XX/XX/XXXX. I contacted customer service asking for an extension to hit the {$1000.00} since that would only leave me XXXX days instead of the XXXX months. They informed me that I would be the point regardless since this shutdown was not of my fault. It has been closed to XXXX  months and I have not seen the points.

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 2026-01-03 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: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
THE INDENTURE TRUSTEE PURSUANT TO THE TRUST INDENTURE ACT OF 1939 FAILED IN THEIR OBLIGATORY DUTY TO PROVIDE CONFIRMATION OF SETTLEMENT OF OBLIGATION WHEN THEY RECEIVED IN XXXX, MI XXXX, ON XX/XX/XXXX, AT XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX. THE UPU TREATY OF 1883 HEREIN ATTACHED IS EVIDENCE OF THE VALUE GIVEN TO THE BEARER SECURITIES HEREIN ATTACHED, AND THE TRUST INDENTURE ACT OF 1939 HEREIN ATTACHED TO OBLIGATE THE TRANSFER AGENT ALLY FINANCIAL WHO IS THE INDENTURE TRUSTEE FOR ALLY SERVICING LLC, WHO IS OBLIGATED FOR THE PERFORMANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: Chime Financial Inc
State: TX

Complaint narrative:
An unauthorized charge was on my account ( actually 5 ) and their policy is that after 10 business days they can give a provionary credit, but they are refusing to do so, even after their investigator got an acknowledgement from the vendor that made the unauthorized charge was being refunded to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: CO

Complaint narrative:
My identity was stolen and I have several of collections on my account. I have tried to dispute them several times with the credit bureaus, but they keep saying that these accounts are verified that they are in fact, part of an identity theft I need help with this I have a identity theft report and they still do not want to help me to keep lowering or lowering my credit score and this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEMS INC XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX Subject : Cease and Desist Regarding Debt Collection Dear NATIONAL CREDIT SYSTEMS INC , I am writing to formally dispute the validity of a debt you claim I owe, identified by account number XXXX. I have no obligation to pay this debt, as I believe it is not legitimate and does not belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all communication regarding this alleged debt until you can provide verification of its legitimacy. Please provide documentation showing that I am responsible for the debt in question. If you continue to pursue this matter without appropriate verification, I will have no choice but to take further action to protect my rights. Thank you for your attention to this matter. I expect your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a demand from US Housing and Urban Development ( HUD ) on or about XX/XX/XXXX stating that monies was owed on a loan on XX/XX/XXXX. The FHA and Home Affordable Modification Program ( HAMP ) was serviced through JP MORGAN CHASE BANK , N.A . but CHASE provided a satisfaction of lien/mortgage release on XX/XX/XXXX. Chase made a payment BEFORE HUD said the note was due AND has failed to account for that payment which occurred on XX/XX/XXXX and failed to provide a closing statement at payoff on or before XX/XX/XXXX. I believe accounting errors or loan servicing errors or proceeds were misapplied and NOT forwarded to HUD per the HAMP/MHA loan servicing agreement and my loan modification documents. I have asked repeatedly for a detailed account as to how the XX/XX/XXXX payment was made by Chase to HUD and whether the last payment I made of {$3400.00} was applied to the subordinate loan. To date I am getting a repetitive run around. I believe Chase has violated the Truth in Lending, Consumer Finance Protection Act and the HUD handbook and HAMP/MHA loan service agreement because they have said they have no records they can provide. I disagree and believe they should have records and are required to maintain records but have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: CA

Complaint narrative:
I financed my vehicle through Tesla Finance LLC. On XX/XX/year>, an Interim Arbitration Award was issued by the XXXX XXXX XXXX ordering repurchase of the vehicle under the California Song-Beverly Consumer Warranty Act. The Interim Award expressly provides that Tesla shall complete the repurchase and shall promptly thereafter pay any amounts owed to the lender, if any.

Despite this Interim Arbitration Award, Tesla Finance LLC has continued to bill me, demand monthly payments, and accrue interest on the loan. I have requested a payoff statement, suspension of billing and interest accrual pending completion of the arbitration-ordered repurchase, and clarification of loan closure procedures following the Interim Award.

Tesla Finance has failed to suspend billing or interest accrual and has not reasonably coordinated payoff. Instead, Tesla Finance has taken the position that the loan can not be resolved unless certain title or registration actions are completed, even though those matters are outside my control and are being handled by Tesla in its role as manufacturer.

As a result of Tesla Finances continued loan servicing, interest continues to accrue and payments continue to be demanded despite an active arbitration award that expressly contemplates lender payoff. This has caused ongoing financial harm and constitutes improper loan servicing and billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I call several times to the collection company and talked to XXXX XXXX the account exsecutive the total debt is {$2600.00} andwe agreed to settle this account at a reduce amount of {$1800.00} dollars. But they refuse to give me a written agreement. Later I talked to another person name XXXX and he also told me that policy companies do not allow to send written agreements I call several times after that asking for some kind of agreement letter and they just hang up on me. I am ready to make the payment as soon as I receive some kind of proof of the agreement on wrighting, But they do not want to comply with my request.

Company response to consumer: Closed with explanation