vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
They took out a payment of {$300.00} twice on XX/XX/year>. Ive contacted them multiple times and they keep saying I need different documents to verify and once I sent them the correct documents they have not contacted me for a whole week. Ive tried calling the number but the wait times are ridiculously long and never get an actual person on the phone to talk to. Ive been to a storefront and they said I need to email or call them about the issue. I dont know what to do anymore but report them. This is so terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX of XXXX  I traded in vehicle financed with Hyundai Finance Account # XXXX. I have reviewed all XXXX major credit bureaus and this loan is still showing OPEN. I have been in contact with Hyundai and they are unable to assist me in resolving this issue. I have been impacted potentially on a XXXX vehicle % rate.

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 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My federal student loans were fully discharged under the Total and Permanent Disability ( TPD ) Discharge Program based on my VA 100 % Permanent and Total disability rating. The discharge was completed on XX/XX/XXXX, and I received official confirmation of the discharge. 

Despite this, Nelnet continues to report my discharged federal student loans to the credit bureaus as open education loans with active balances and deferred payment status. This reporting is inaccurate and negatively impacts my credit. 

I tried to dispute this information on my credit report on XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. It shows " Dispute resolved reported by grantor Payment Deferred Dispute resolved reported by grantor. '' I also notified Nelnet of this error and provided documentation : On XX/XX/XXXX, I emailed Nelnet with my official TPD discharge confirmation and my VA 100 % XXXX XXXX XXXX disability benefits letter. 

On XX/XX/XXXX, I forwarded the same email again after receiving no response. 

Nelnet has not acknowledged my requests, provided any written response, or corrected the inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
ALLY FINCLis falsely reporting on my credit. I have never had any accounts with them. Per my research ALLY FINCLis 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 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
MOHELA is reporting inaccurate late payments and an incorrect loan balance to the credit bureaus. These errors appeared after repayment restart and do not reflect my actual repayment activity. 

MOHELA and other federal loan servicers have been publicly cited for widespread servicing failures affecting borrower accounts nationwide. My account appears impacted by these servicing errors. 

I am requesting : XXXX. Immediate account audit XXXX. Correction or deletion of inaccurate late payments XXXX. Correction of incorrect balance reporting XXXX. Written documentation verifying the accuracy of all reported information Failure to correct these reporting errors violates the Fair Credit Reporting Act and federal consumer protection regulations.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
On Tuesday, XX/XX/XXXX, I contacted Jefferson Capital regarding a notification I received from XXXX stating that a new account related to XXXX XXXX had been added to my credit report. As a result of this addition, my XXXX XXXX decreased. 

During that call, I spoke with a representative who stated that she discussed the matter with her supervisor and confirmed that the reporting of this account was a mistake. I was advised that the issue would be corrected. 

After researching this matter further, I learned that I should obtain written confirmation of any correction involving my credit report. I attempted to call Jefferson Capital again on Tuesday to request this documentation, but my calls were not answered despite multiple attempts throughout the day. 

On Wednesday morning, I spoke with a representative named XXXX, who informed me that her supervisor, XXXX, was aware of the issue and that I would receive an email confirmation within XXXX to XXXX hours. As of today, it has been more than that and I have not received any written confirmation or correction. 

I have worked diligently to repair my credit and have paid all prior accounts. This account is my final one, and I have not missed any payments since last year when I began making consistent payments. Due to this reporting error, my XXXX XXXX has been negatively impacted, despite my efforts to remain in good standing. 

I am formally requesting the following : Written confirmation that the account was reinserted in error XXXX correction and removal of the inaccurate reporting from all credit bureaus Written confirmation once the correction has been completed Please treat this matter as urgent. I am requesting that all future communication regarding this issue be provided in writing for documentation purposes I would like also for the statements I am sent by them have the correct amount due. as they stated I owe XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Target has called me over XXXX times in the past XXXX days alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied for a Capital One credit card ( XXXX ) after the application flow presented a welcome bonus as part of the offer. The bonus is spending {$500.00} in the first XXXX months to get {$200.00} XXXX XXXX 

At no point during the application process was I clearly informed that I was excluded from the welcome bonus. 

After opening the account and making purchases in reliance on that offer, Capital One later stated that I was not eligible and that I never had the offer, but has been unable to provide any documentation or screenshots showing what was actually disclosed to me during my specific application. 

This raises concerns about misleading or unclear marketing and inadequate disclosure. 

I am requesting that Capital One either honor the welcome bonus that was presented, provide a reasonable statement credit, or provide documentation showing clear disclosure of exclusion at the time of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
Security Credit Service is attempting to collect a debt that is void and reporting this debt to XXXX XXXX XXXX XXXX  as a collection/charge off account. The original creditor for the account was XXXX XXXX XXXX. The collection of this account is in violation of the ruling in XXXX and the Fair Credit Reporting Act. In the ruling by the CFPB, it was held that XXXX  shall no longer engage in leasing products and XXXX  shall close each consumer account without regard to whether such accounts are in default, and any remaining balance shall be deemed as satisfied in full. The CFPB further ordered that XXXX, or its assigns, could not attempt to collect, sell, assign, or otherwise transfer any right to collect payment from any consumer who entered into a lease agreement with [ XXXX XXXX ]. The reporting and inclusion of this negative collection account on my credit report is illegal because it is clearly in violation of the ruling made by the CFPB, the fair credit reporting act, and Federal law. Per the ruling against XXXX XXXX, the debt that was owed by me is void. In XXXXXXXX XXXX XXXX Security Credit Services was made aware of the ruling XXXX XXXX XXXX XXXX XXXX XXXX Security Credit Services chose to ignore this ruling and instead chose to publish and include this voided debt on my credit report. The inclusion of this voided debt, which has been seen by multiple potential lenders, have created irreversible harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has grossly mishandled my credit report by allowing a collection account from XXXX XXXX ( Account # XXXX ) to appear without ever verifying its accuracy with me. I never authorized or provided consent for this account to be reported, yet it has been added, causing significant and unjust harm to my credit. Despite submitting a request for validation to the collection agency, including filing a formal complaint with the CFPB on XX/XX/year>, I have received NO response, no signed agreement, no breakdown of the supposed debt, and no evidence that the creditor has the legal right to collect this debt. This is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which explicitly mandates that consumers receive proper verification upon request. To make matters worse, I was never given a proper opportunity to dispute this account, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Yet, Equifax continued to report this unauthorized and unverified account, disregarding my rights and blatantly violating 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the FCRA, which prohibits such actions. The fact that this same account appears differently across multiple credit bureaus only underscores the glaring lack of consistency and raises serious concerns about Equifax verification process. This is a major red flag and highlights a complete failure to comply with the maximum possible accuracy standard required by 15 U.S.C. 1681e ( b ). If Equifax cant even get basic information correct across different reporting agencies, then I have serious doubts about their entire verification process. Enough is enough. I demand the immediate and permanent removal of this unauthorized and unverified account from my Equifax credit file. It has been reported without my consent, without proper verification, and in total violation of the law. The harm it has caused to my credit is entirely avoidable, and I am holding Equifax fully accountable for this egregious mistake. This entire ordeal should never have happened, and I am done tolerating Equifax blatant disregard for the law and my rights as a consumer. Fix this immediately, or I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
the Citi bank response information Not correct. 
I Am following the Citi bank concerned the statement for XXXX balance {$3000.00}, I don't know how the Citi bank calculated it XXXX for XXXX XXXX purchase use the card total {$1400.00}. For XXXX he purchased use the card total {$130.00}, on statement very clearly. I dont know {$3000.00} amount came from XXXXXXXX XXXX XXXX XXXX {$1500.00}, I need payment for {$1500.00}, ( I spoke with your Citi banker when I got my XXXX, she updated and tell me need paid amount {$1500.00} ) and I paid for this amount on XXXX ( I had the statement attached ), why this amount payment not reflect on my Citi bank statement on XXXX. and XXXX? Why? the Citi bank mistake. 
And your Citi bank really scared me, I dont want to get any scared with your Citi bank again, I closed-end my account, after i close my account, i got the Citi bank sent to me the statement, let me pay for {$61.00}, i called the Citi bank, and XXXX XXXX said this XXXX for the interest and later fee, i tried to many times let the Citi bank to remove , because this issue for the Citi bank mistake and XXXX this amount, but unfortunately the Citi bank NOT remove XXXX the Citi bank said XXXX have to pay for this amount, and i paid this amount on XX/XX/year>, even the Citi bank error 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 2026-02-04 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: NJ

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-02-04 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: MO

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
b"I have recently contacted Medi Credit regarding XXXX  plus phone calls from them every day. .\n\nThe XXXX  day I called, I spoke with someone named XXXX, and I told her that if the calls didn't stop, I would send a Cease and Desist letter. She then told me I wouldn't receive any more calls. I also said that if that didn't work, I would contact the FTC/CFPB. This was on XXXX XXXX XXXX. The calls have continued.\n\nI called again on XXXX XXXX XXXX and spoke with someone named XXXX. I explained the situation, and he told me that there had been a notice on my account not to call me. He said he would re do it so that I wouldn't receive any more calls. This also did not work.\n\nThe strange thing is that the calls do not ring on my phone. They go immediately to the phone's voice mail system.\n\nI really don't know what to do. The calls are stored on my voice mail system, because I stopped reading them.\n\nI appreciate any help/advice you can give.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint due to repeated billing errors and the failure of [ Bank Name ] to honor multiple verbal agreements regarding the closure of my account and the waiver of late fees.

The Timeline : XX/XX/XXXX : I used my business credit card while traveling in XXXX XXXX. Due to a period of inactivity, I missed the subsequent statement and accrued late fees.

Initial Resolution XX/XX/XXXX : Upon discovering the fees, I contacted customer service. I requested that the late fees be waived in exchange for paying the full balance and closing the account. The representative agreed, stating the fees would be waived and the account closed. I paid the full remaining balance immediately. 
Second Incident : Despite the agreement, I received a " sternly worded '' letter claiming I still owed late fees and a balance. I called a second time. The representative apologized, confirmed the previous agent 's notes, and again assured me the fees were waived and the account was fully resolved/closed. 
Current Status ( XX/XX/XXXX ) : On XX/XX/XXXX, I received yet another bill for the same disputed fees.

The Issue : The bank has failed to update its records despite two separate verbal confirmations. This ongoing billing error is causing significant distress and represents a failure in the bank 's internal communication and account management systems.

Desired Resolution : I request that [ Bank Name ] permanently waive all remaining late fees, bring the account balance to {$0.00}, and provide written confirmation that the account is closed with no further obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I placed an order totaling {$46.00} through an advertisement I saw on XXXX. After waiting a reasonable amount of time for delivery, I received a notification from the merchant stating that the item had been delivered ; however, I did not receive any package. 

My apartment complex uses a secured locker system for deliveries, and residents receive an automatic notification when a package is placed in a locker. I did not receive any such notification, nor was any package available to me. 

I contacted the merchant to report the issue and was informed that the item would be re-delivered by XXXX. Despite this assurance, I still did not receive the item. I later received another delivery notification from the merchant stating that the item had again been delivered, which was also false. 

After conducting further research, I discovered that the merchant is not a legitimate business and is widely reported for issuing false delivery confirmations. I attempted to contact the merchant to request a refund but received no response. 

As a result, I initiated a dispute with Cash App on XX/XX/XXXX. The dispute was denied on XX/XX/XXXX. On that same day, I formally requested copies of the documentation and evidence used to determine the denial of my dispute. 

As of today, XX/XX/XXXX, I have not received any of the requested documentation or an explanation supporting the decision. This delay exceeds a reasonable response timeframe and leaves me without transparency regarding the handling of my dispute. 

I am requesting immediate release of all documentation used in the determination of my dispute, as well as a formal explanation of the denial. If this matter can not be resolved promptly, I will be forced to pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
There is an account on my credit report that is not mine and I do not know who did it from XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/year> in the amount of {$6300.00}.

Company response to consumer: Closed with explanation