vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXX, a transaction took place from my Pay Pal account. I accessed my account at approximately XXXX after Pay Pal requested that I change my password. After changing my password, I notice the transaction. I did not initiate this transaction. Someone by the name of XXXX XXXX initiated a payment from my account in the amount of {$900.00} and noted that it was for " wages ''. This was my business account which I kept open although I no longer have a business due to COVID, years ago. Even when I had the business, I've never paid wages via this account. I used XXXX for this purpose. I contacted pay pal and they responded that the transaction " is consistent with the account ''. This is false. I haven't used this account for any purpose that resembles a business transaction in 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding Aargon Agency, Inc.s continued collection and furnishing of a medical debt that originated in Colorado XXXX Under Colorado House Bill 23-1126, medical debt is prohibited from being included on consumer credit reports. Despite this, Aargon Agency continues to furnish this account to credit reporting agencies, including XXXX On or around XXXX, I disputed this matter with the credit bureau and referenced the applicable Colorado law. The account remains on my credit report because Aargon continues to furnish the information. This is not a dispute about whether the debt exists. It is a dispute about whether it is lawful to report and furnish this medical debt. By continuing to furnish this account, Aargon Agency is engaging in unlawful reporting practices and contributing to non-compliant credit reporting. I am requesting that Aargon Agency immediately cease furnishing this account to all consumer reporting agencies and notify all bureaus to delete the account. If this issue is not resolved, I will pursue additional complaints with the Colorado Attorney General and seek legal remedies.

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 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
I am requesting the immediate removal of the following account from my credit report : Creditor : Valor Intelligent Processing ; Reported Balance : {$790.00} This account is being reported inaccurately and has not been properly validated. Despite my dispute, Valor Intelligent Processing has failed to provide sufficient documentation proving the accuracy, ownership, or legal right to report this debt as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Because the account has not been verified and continues to negatively affect my credit, I am requesting that it be deleted from all consumer credit reporting agencies immediately. I am not requesting payment options or communicationonly correction of inaccurate reporting. Thank you for your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: NC

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 non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
In approximately XX/XX/XXXX ( Mothers Day weekend ), my vehicle was repossessed. I paid approximately {$700.00} within an hour of the repossession to reinstate the loan. However, because it was the weekend, I was unable to retrieve my vehicle until XXXX. When I received my vehicle, it had been damaged during the repossession process. My vehicle is an XXXX XXXX XXXX XXXX XXXX, and it was improperly towed. The tow company dragged the vehicle instead of using proper equipment, which caused significant drivetrain damage. The tow company also provided false information about the location of the repossession. Shortly after getting the vehicle back, the rear differential failed while I was driving on the highway with my child, creating a dangerous situation that required emergency roadside assistance ( AAA ). I have documentation and photos of this incident. The lender, Credit Acceptance, later determined that the tow company was at fault. However, the vehicle was not properly repaired before being returned to me. I repeatedly contacted the company and informed them that the vehicle was still not fixed. These communications are documented, including recorded calls. Despite this, I was told the vehicle was repaired when it was not. Because my vehicle was not functional, I lost my ability to work. I rely on my vehicle for income, including mobile notary work and delivery services. As a result, I experienced severe financial hardship, including loss of housing. I informed the company of these issues at the time. The vehicle remained inoperable and unreliable due to the damage caused during repossession and failure to properly repair it. Despite this, the company has continued to report negative information on my credit. I am requesting that this matter be fully investigated, that the negative reporting be corrected or removed, and that the company be held accountable for the damage caused during repossession and failure to properly remedy the situation.

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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I tried to make a XXXX transferred to my doctor for {$450.00} from my Wells Fargo checking account. The app asked me to update her phone number and when I did so I accidentally entered one digit incorrect. I unfortunately transferred {$450.00} into someone elses account via XXXX. I tried to reach out to this person numerous times asking that he please return my funds and explaining the situation via text, but he blocked me and never returned my funds. I also file a claim with Wells Fargo, but they declined. I feel helpless. How can this person keep my money if it was never intended to him thats a illegal appropriation of funds and I feel that WF bank and XXXX dont do much to support clients and prevent fraud like this. I have attached the receipt showing that my intention was to send this funds to XXXX XXXX and instead because I got one number mixed up the funds were sent to XXXX XXXX in error

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Some one charged 2 purchases on my Affirm account of about {$10000.00} worth sports tickets and I called the to report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Please remove collections in which I have not signed a contract for from my XXXX XXXX. We have no contracted this debt therefore I owe you nothing.

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 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I Am A Natural person according to law XXXX XXXX ( XXXX of XXXX ) Agent of XXXX XXXX XXXX XXXX Equifax breach the contract for I operate in private Law and Trust Law with private contract Equifax violated the consumer laws FDCPA and the FCRA pursuant to XXXX5 u.s code 1692c- communication in connection with debt 1692e - false or misleading representation 1692f - unfair practices this debt do not belong to the ALL CAPS NAME u have on file remove debt and delete it immediately 15 u.s code 1681c-2 - block of information I never authorized nor gave consent for the collection account to report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Request for Validation and Removal of Collection Account To Whom It May Concern, I am writing to formally dispute a collection account listed on my credit report. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting validation of the following account : Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$460.00} I do not recall entering into an agreement with this creditor, and I request that you provide complete verification of this debt, including : * The original creditors name and address * A copy of the original signed agreement * Full payment history * Proof that you are authorized to collect on this debt If you are unable to provide this documentation, I request that this account be removed from my credit report immediately. Please note that reporting unverified information is a violation of the FCRA. I expect a response within 30 days of receipt of this letter. Sincerely, XXXX 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 2026-04-09 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XXXX XXXX, XXXX a reverse charge of {$290.00} showed on my account dated XX/XX/XXXX. The original charge/refund does not show on any of my statements. I called Citibank customer service and fraud department numerous times asking them to show when this transaction appeared. They could not find it. I sent four letters to the main office asking for this data. they responded on XX/XX/XXXX that their records show my account was credited twice - Citibank credited my account for {$290.00} and the merchant credited me {$290.00} - therefore they reversed their credit. BUT they can not show me where/when this original charge/refund was made. My last letter dated XX/XX/XXXX was sent certified mail and I stated if I did not receive the {$290.00} refund within ten days I would file a fraud report. As of this date, XX/XX/XXXX they have not refunded the {$290.00} nor responded.

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not recognize this account and am disputing it due to inaccurate reporting on my credit file. I have never applied for, opened, or authorized this account, and I have no knowledge of its origin. Based on this, I believe the account has been reported in error. Maintaining accurate credit information is very important to me, and I take these matters seriously. I kindly request that you conduct a comprehensive investigation into this account and confirm whether it can be properly verified as belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Unable to verify identity/ can not access support I applied for a Home Depot XXXX XXXX XXXX credit account ( using my personal information and guarantee ) and was denied due to inability to verify my identity. The adverse action letter instructed me to call a number to speak with a representative to resolve the issue. However, when I call and enter my reference number, the automated system immediately states the application is denied and disconnects the call, preventing me from speaking with any representative. This has made it impossible for me to complete identity verification or correct any information, effectively blocking me from exercising my rights. Because this application involved my personal information and personal guarantee, I am requesting that the creditor provide a direct method to complete identity verification and have the application reconsidered. I called the number provided on the adverse action letter ( XXXX ) on XX/XX/XXXX. I recorded all three phone calls and attempts to connect to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: CA

Complaint narrative:
The collection agency, Cascade Capital Funding , LLC, is attempting to collect a medical debt of {$1700.00} related to an alleged service dated XX/XX/year>. They only provided a generic billing statement without any itemized charges, medical records, or proof of services rendered. I requested full validation of the debt, including detailed billing and medical documentation, but they failed to provide it. I also contacted the original medical provider, and they were unable to provide proper records confirming this debt. Despite this, the collection agency continues attempting to collect this unverified debt. This is a violation of federal law. I request immediate investigation and deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: NV

Complaint narrative:
Complaint letter Subject : Complaint about federal student loan servicer miscounting and loss of qualifying IDR payments To Whom It May Concern, I am filing a complaint regarding the servicing of my federal student loans and the handling of my income-driven repayment history. I was placed on an income-driven repayment plan in 2015, that was later renamed SAVE by President Obama, and I had already made approximately 132 qualifying payments over 11 years toward forgiveness. I was then told that my payments disappeared and that I must start over on a new repayment plan in order to qualify for forgiveness again, adding roughly 180 more payments. This is causing severe financial harm and may prevent me from ever being able to buy a home or reach forgiveness before retirement age. I believe my prior qualifying payments should be preserved and counted toward forgiveness. I am requesting that the servicer and the Department of Education immediately review my account, restore my payment count, and provide a written explanation for any alleged loss of credit for prior payments. I also request any correction needed so that I am not wrongly forced to restart the forgiveness clock. Please investigate whether the servicer misapplied my payments, failed to transfer my payment history correctly, or gave me inaccurate information about my eligibility. I am asking for assistance in securing my previous qualifying payments and obtaining any relief available for this servicing error. Thank you for your help.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I contacted XXXX to resolve an alleged {$150.00} equipment balance and to get a QR code to return any equipment if a return was required. During that chat, XXXX reviewed my closed account and told me there was no equipment to return. After I provided the box serial number, XXXX then told me that the equipment was not added to my account, that I did not need to return it, and that the charges would be waived within 5-7 days. XXXX also told me to keep a screenshot of the chat for future reference because chat support could not send email confirmation. This is reflected in the chat transcript and screenshots I have attached. Despite that, Eastern Account System XXXX XXXX is still reporting or attempting to collect this {$150.00} balance. I disputed the item with XXXX and attached the XXXX chat evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NE

Complaint narrative:
I have active subsidized and unsubsidized student loans services by Mohela. I was on track to qualify for PSLF in one year, or XX/XX/year> through the buyback program. My current payment count is XXXX. XXXX I received a message that I was eligible to for discharge from Mohela. XXXX I sent a message to Mohela stating I requested to Opt-Out. I did not want to participate so I could qualify for PSLF. There was a reply inside my account requesting confirmation, but I did not receive an email notification regarding this reply. I do not typically log in to Mohela unless a payment is due and the deadline of XXXX was only two weeks after I received the email regarding discharge, and sent a note requesting to opt-out. XXXX I received a notice that my payment was due, after the deadline to opt-out. I assumed I had opted out. XXXX I logged in to Mohela to ensure my payment had been made, and discovered a balance of {$0.00}. The phone number on the letter I received was out of service. I called the regular customer service number and the system was unable to find my account using my social security number.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XXXX of 2022 a sales rep from XXXX XXXX, now bankrupted, sold me a 26 panel solar system. The sales rep misrepresented the system, telling me I will receive electric bill credits and I wont have an actual electric bill. I have since been with three different electric companies, enrolling in their solar buy back program and consistently getting a bill every month for more than the base XXXX delivery fee. I would have never agreed to purchasing the solar system if I knew Id be paying for the panels and an electric bill every month. I contacted Goodleap, the loan provider, to no avail. I feel stuck now paying $ XXXX plus whatever the electric company charges. I feel like Ive been scammed and pressured into buying solar.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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