vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: MOHELA
State: IL

Complaint narrative:
I am submitting a complaint regarding the reporting of delinquent payments on my federal student loans serviced by MOHELA. My loans were reported as delinquent beginning in XX/XX/year>, which ultimately caused a significant drop in my credit score. However, I was not aware that my loans had entered repayment, and it appears I did not receive proper notification due to outdated address information on file at the time. This was my first issue of this kind, and I have otherwise maintained a strong history of managing my financial obligations responsibly. As soon as I became aware of the delinquencywhen I saw the impact on my credit in XXXX XXXXI immediately took action to bring the account current and ensure it remains in good standing going forward. Given the lack of effective notice and the fact that I acted promptly once aware, I am requesting that MOHELA conduct a thorough review of the credit reporting on this account for accuracy and fairness. The current reporting does not reflect my intent or behavior as a borrower acting in good faith. This delinquency has had a substantial negative impact on my credit profile and financial standing. I am respectfully requesting that the late payment reporting be removed or adjusted to accurately reflect the circumstances surrounding this situation. I would prefer to resolve this matter directly with the servicer and am seeking a fair and reasonable resolution based on the facts above. Thank you for your time and consideration.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Capital Services, LLC
State: IN

Complaint narrative:
XXXX different conversations I told them I was working with national debt relief asked for a validation of debt. They continue to call without providing my request. The talk vile to me threatening to call my family members! I told them I was recording conversations they hang up .latest call today XX/XX/year> talk to a XXXX XXXX threatened me with a attorney called me a liar said I wasnt with a debt relief company!

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

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 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: MD

Complaint narrative:
I am filing this complaint regarding an alleged debt of {$720.00} that has been reported to me as originating from a XXXX account and now placed with a third-party debt collector. Account # XXXX. I do not recognize this debt and do not recall owing any outstanding balance to XXXX I am formally disputing the validity and accuracy of this alleged debt. I have not been provided with sufficient documentation or evidence to support that this debt is legitimate, that it belongs to me, or that the amount claimed is correct. As a consumer, I have the right to request full verification of any debt being collected. Despite this, the account has been reported and pursued without proper validation, which is concerning and potentially in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting the following : 1. Full validation of the alleged debt, including : The original account number Dates of service and charges A complete payment history A copy of any contract or agreement bearing my signature 2. Proof that the debt collector has the legal right to collect this debt. 3. Verification that this debt has not been the result of error, misidentification, or potential fraud. 4. Immediate removal of this account from my credit report if the debt can not be properly validated. Until proper validation is provided, I request that all collection activity cease and that this account not be reported or continued to be reported to any credit reporting agencies. I take this matter seriously and expect a prompt investigation and resolution. If this debt can not be verified, it must be removed immediately. Sincerely, [ Your Full Name ]

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 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
COLLECTION FROM XXXX IS INCORRECT. I DO NOT HAVE A PHONE WITH XXXX. NEVER DID I ACTIVATE A PHONE LINE WITH XXXX. I HAVE BEEN DISPUTING THIS WITH XXXX FOR THE PAST ALMOST 2 YEARS. I HAVE SPOKE WITH XXXX AND WITH MULTIPLE COLLECTION AGENCIES THAT XXXX KEPT GIVING MY ACCOUNT INFO TO. THIS COLLECTION IS WRONG. I DO NOT HAVE A PHONE WITH XXXX AND I NEVER ACTIVATED A PHONE LINE. THE ORIGINAL PHONE MAILED OUT WAS RETURNED AND ACCOUNTED FOR WITHIN XXXX RETENTION DEPARTMENT AND VERIFIED BY VARIOUS MANAGERS. PLEASE DISPUTE AND REMOVE THIS FROM MY CREDIT REPORT. THANK YOU., XXXX XXXX

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
on XX/XX/year>XXXX a new TD checkings and savings account was opened as a first time customer with an initial minimum deposit made in cash. XX/XX/year>XXXX my XXXX for this account was restricted and subsequently all external transfers were also restricted. I made contact with the bank to ascertain why this was the case and no information was provided as to why this was done. my funds are stuck in the account and can not be transfered out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint regarding a XXXX transaction that I reported as fraud, which my bank JP Morgan has incorrectly classified as an authorized transaction. The transaction occurred after I was the victim of a social engineering scam in which an individual impersonated a trusted family member and requested money urgently. Based on this impersonation and the belief that I was communicating with someone I knew and trusted, I sent the funds through XXXX. Shortly after the transaction, I realized that I had been deceived and that the individual was not my family member but an impersonator. I immediately contacted my bank to report the incident as fraud and initiated a claim. I also provided supporting information, including the phone number used by the scammer, the name associated with the XXXX account, and any available communications demonstrating the impersonation. Despite these circumstances, I was informed by a representative at JP Morgan that the transaction was considered authorized because I initiated it, and that the bank only covers certain types of fraud. However, this determination fails to consider that I did not authorize the transfer to the actual recipient. My authorization was based on deception and impersonation, which constitutes social engineering fraud. Under Regulation E, unauthorized electronic fund transfers include situations where a consumer is induced to initiate a transfer through fraudulent misrepresentation. In this case, I did not knowingly or willingly authorize payment to the individual who ultimately received the funds. My consent was obtained through deception, and therefore the transfer should be considered unauthorized under the intent and consumer protection principles of Regulation E. I reported the incident promptly, cooperated fully with the banks investigation, and am now requesting a proper review of this claim under Regulation E guidelines. I am seeking reimbursement of the fraudulent transfer and a reconsideration of the banks classification of this transaction as authorized. This situation involved impersonation, social engineering, and deception, and I believe the bank has not adequately applied consumer protections designed to address these types of scams. Regulatory guidance and consumer protection principles increasingly recognize that social engineering scams are a common form of fraud and that consumers should be protected when they are manipulated into authorizing transactions under false pretenses. Denying claims solely because the consumer technically initiated the transfer fails to account for the deceptive circumstances under which authorization was obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
Validation of Debt Request - CAINE WEINER - XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am submitting this complaint due to ongoing issues with PayPal Credit regarding transparency, communication, and the accuracy of my account balance. Since XXXX, I have consistently made on-time payments toward my PayPal Credit account. To date, I have paid approximately {$2100.00}, which I believe exceeds the original amount owed, even when factoring in interest. Despite this, I am still being told that my remaining balance is over {$1700.00}. This does not make sense to me, and I have made multiple attempts to get a clear and detailed explanation. I have contacted PayPal Credit customer service several times requesting a full breakdown of my account, specifically asking for : A detailed payment history How my payments have been applied ( principal vs. interest ) Any interest charges and how they were calculated Information regarding deferred interest promotions and whether any retroactive interest has been applied During these attempts, I was hung up on three separate times while trying to get assistance. On my fourth call, I was told that this information would be mailed to me. I never received anything. I later contacted them again and was told the information could be emailed instead. Despite this assurance, I still have not received any documentation. To make matters worse, I was told during a subsequent conversation that there is no record of my previous calls, which is extremely concerning. At this point, I am frustrated and feel that I am being denied access to basic account information that I am entitled to. I am simply trying to understand how I can pay such a significant amount toward this account and still owe nearly as much as I currently do. The lack of transparency, repeated failure to provide requested documentation, and inability to account for prior communications has caused me serious concern about the handling of my account. I feel that I am not being treated fairly and that my attempts to resolve this issue directly with PayPal Credit have been ignored. I am requesting that PayPal Credit provide : 1. A full and accurate breakdown of my account, including all payments, interest charges, and promotional terms 2. Documentation showing how my current balance has been calculated 3. An explanation for the lack of records regarding my prior customer service interactions I am asking for immediate assistance in resolving this matter, as I believe I have made a good-faith effort to meet my obligations and deserve clear, accurate information about my account.

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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing to formally dispute a debt collection attempt by FH CANN & ASSOCIATES regarding an account numbered XXXX. This account, with a reported balance of {$1300.00}, is being falsely attributed to me and is currently affecting my credit scores across all three major credit bureaus : XXXX, XXXX, and XXXX. As of today, these scores are XXXX, XXXX, and XXXX, respectively. I have not entered into any agreement or contract with FH CANN & ASSOCIATES, nor have I authorized any transactions that would result in the debt they are claiming. This account does not belong to me, and I am not liable for this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using unfair, deceptive, or abusive practices, I am requesting the complete removal of this erroneous account from my credit reports. The incorrect reporting of this debt has caused significant harm to my creditworthiness and has adversely impacted my ability to obtain financial products at favorable terms. It is crucial that my credit reports accurately reflect my credit history, free from false information that can lead to financial instability. I have attempted to resolve this matter directly with FH CANN & ASSOCIATES but have not received a satisfactory response. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure the immediate removal of this account from my credit profiles with XXXX, XXXX, and XXXX. Thank you for your attention to this matter. I trust that the CFPB will facilitate a swift and just resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX regarding deceptive, misleading, and unfair practices in connection with my consumer credit account, in potential violation of federal consumer protection laws, including prohibitions against unfair, deceptive, or abusive acts or practices ( UDAAP ). On or about XX/XX/year>, my account was placed into a suspended or restricted status. However, XXXX failed to provide clear, timely, and adequate notice of this material change. This lack of disclosure deprived me of critical information necessary to make informed financial decisions. Beginning on XX/XX/year>, I made payments on my account twice per month through XX/XX/year>. These payments were made in good faith under the reasonable belief that my account remained active and that such payments would restore or maintain my account in good standing. Importantly, during XX/XX/year>, I contacted XXXX and spoke directly with a customer service representative regarding my account. During this interaction, I was not informed that my account had already been suspended or restricted. This failure to disclose a material fact during a direct inquiry is particularly concerning and directly contributed to my continued payments under false assumptions. At no point prior to or during this period was I clearly informed that : - My account had been suspended or restricted ; and - My payments would not result in reinstatement or normal account usage. XXXX failure to disclose this material informationespecially during direct communicationconstitutes a deceptive act or practice. Additionally, allowing or accepting payments without clarifying that the account was suspended is inherently unfair, as it caused financial harm and misled me regarding the status and potential benefit of those payments. As a result, I suffered financial harm and was deprived of the opportunity to make informed decisions regarding my account and allocation of funds. I respectfully request that XXXX XXXX XXXX : - Provide a complete and detailed accounting of my account status and all payments made between XX/XX/year>XXXX and XX/XX/year>XXXX ; - Explain why timely and adequate notice of account suspension was not provided ; - Explain why their representative failed to disclose the accounts suspended status during my XX/XX/year>XXXX inquiry ; - Review my account for appropriate remedies, including reimbursement, credits, or other corrective actions ; and - Ensure that appropriate measures are taken to prevent similar deceptive practices affecting other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 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: CAROLINA FINANCE, LLC
State: SC

Complaint narrative:
I paid off my auto loan with Carolina Finance LLC in full in the amount of {$3300.00} on XX/XX/year>, but they have failed to release the lien on my vehicle. As a result, the DMV still shows an active lien, and I am unable to obtain my title. I have attempted to contact the company, but their phone numbers are not working, their website is down, and local branches are closed. I also can not access my online account portal. When I attempt to reset my password, I receive error messages and am unable to log in. Because of this, I have no way to obt ain a lien release directly from the company. I am requesting that Carolina Finance LLC immediately notify the DMV and provide an official lien release so that my title can be issued. This delay is preventing me from legally owning or transferring my vehicle.

Company response to consumer: Untimely response