vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My husband was driving my car and pulled up to the drive up atm. He put the money into the atm without counting the cash. The atm immediately shut down and spit out a receipt and gave an error. I immediately called chase to figure out what was going on and what happened. They opened a claim and put the maximum amount that it could have been onto my account. The claim was later denied saying the transaction was authorized even though there was no transaction to authorize and took back the entirety of the money. I reopened the claim and they said there was no difference in the atm total. I requested the video surveillance and atm logs but was no provided either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
Mohela is miscalculating my monthly repayment under the XXXX repayment plan. In addition to my loans serviced by Mohela, I have XXXX loans paid under the XXXX plan serviced by XXXX. According to XXXX I owe, in total for ALL my loans, {$710.00}. This amount is supposed to be divided between my loan servicers in an amount proportionate to the amount of loans serviced by each company. However, Mohela is charging me the total amount that I owe both my servicers ( {$710.00} ). My monthly payment to XXXX is {$89.00} so I should be paying Mohela {$620.00}. This has been an ongoing issue I've had with Mohela for years - they repeatedly miscalculate my monthly payment by not taking into account my loans held by my other servicer. I have called Mohela twice to have my payment recalculated but this has not been done and the most recent call rep told me that there is not timeframe under which my payment will be recalculated. They provided me no options to resolve the issue. I am now being required to overpay my loans with no recourse.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX checking Account XXXX XXXX XXXX XXXX XXXXXXXX I am filing a complaint regarding a {$300.00} debit taken from my account by Bank of America, labeled as a correction for a XX/XX/year>XXXX ATM cash deposit. On XXXX XXXX I attempted to deposit {$1500.00} cash at BOA ATM located XXXX and XXXX in XXXX, Michigan. The machine malfunctioned and did not retain the full deposit. I immediately went inside a BOA branch in XXXX XXXX, Michigan. And provided the remaining {$300.00} directly to a teller to correct the discrepancy. He assured me everything was taken care of. Several months later, BOA withdrew {$300.00} from my account, claiming that the ATM deposit was short. This action fails to account for the fact that i already returned the missing {$300.00} in person on the same day of the ATM error. Due to the delay of several months, I no longer have a receipt from the in-branch transaction. However, I acted in good faith and took immediate steps to resolve the issue at the time it occurred. Any failure to properly record that transaction would be an internal error by the bank. I am requesting that Bank Of America : 1. Conduct a full investigation supporting their claim that i did not return the {$300.00}. 2. Provide documentation supporting their claim that i did not return the {$300.00}. 3. Immediately refund the {$300.00} to my account while the investigation is ongoing.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding two collection accounts reported under my name that I do not recognize and have no knowledge of. These alleged debts are unverified and do not belong to me. Despite this, I have been subjected to repeated and aggressive communications across multiple platforms, including threats of legal action. This situation is unacceptable, violates my rights as a consumer, and has caused significant emotional distress, including ongoing anxiety and sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Subject : Dispute of Credit Reporting Failure to Provide Adequate Verification I am submitting this formal complaint regarding a consumer credit account being reported by Aldous & Associates to the credit reporting agencies without complete verifiable documentation supporting the underlying balance, account activity, and alleged debt. On XX/XX/2025, I submitted a formal request for debt validation to the furnisher and have since followed up through disputes with both the furnisher and the credit reporting agencies. Despite these efforts, I have not been provided with a complete accounting ledger or transaction-level history sufficient to substantiate the reported balance. It has now been over XXXX months, and the furnisher has failed to provide adequate documentation to verify the accuracy of the amount owed. This is not a dispute of interpretation, but a request for full documentation and verification of the reported account data. Additionally, even if the contract is considered legally binding, there is no evidence that the contract was ever acted upon or that access to the unit was provided, as I never received keys, took possession, or made any payment. Under the Fair Credit Reporting Act ( FCRA ), information reported to credit bureaus must be accurate and verifiable. The continued reporting of this account without proper validation constitutes incomplete and potentially inaccurate reporting. Accordingly, I request that this account be removed from all credit reporting agencies due to failure to provide adequate verification. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a complaint against Santander Consumer USA regarding my auto loan account # XXXX for predatory lending practices and failure to properly disclose key loan terms. The Annual Percentage Rate ( APR ) for this loan has not been clearly disclosed or made available upon request, which is a violation of the Truth in Lending Act ( TILA ). I am unable to verify how the cost of borrowing has been calculated. Additionally, the current balance of {$8600.00} and past due amount of {$2700.00} raise concerns about excessive interest, fees, and whether this loan was issued in compliance with ability-to-repay standards under the XXXX XXXX. I am requesting a full investigation into this account, including : Full disclosure of the APR and loan terms A copy of the original signed contract A complete payment and fee history Verification that this loan complies with all federal and state lending laws If violations are found or if the company can not validate this account, I am requesting correction, adjustment, or removal of this account from my credit report. Santander Consumer USA should be held accountable for any unfair, deceptive, or abusive lending practices associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This complaint supplements a prior complaint submitted to the CFPB regarding Wells Fargo Bank , N.A . and includes supporting documentation. In a foreclosure action concerning my property, Wells Fargo obtained an XXXXrder of Reference on XX/XX/XXXX but failed to take any substantive action to prosecute the case until XX/XX/XXXX, resulting in approximately six years of delay. During this period, interest continued to accrue at a rate of approximately 6.00 % per annum, or approximately {$110.00} per day. As a result, more than {$240000.00} in additional interest accrued due solely to Wells Fargos failure to timely prosecute the case. The attached Judgment of Foreclosure and Sale reflects a total amount due of approximately {>= $1,000,000}, which is nearly double the original principal balance of approximately {$670000.00}. The delay is documented in the XXXX docket and is not justified by temporary XXXX holds or XXXX, particularly for the period prior to XXXX. This conduct appears to be unfair and abusive, as Wells Fargo has financially benefited from its own delay. I have filed a motion in court seeking to toll or reduce this interest. Supporting documentation is attached, including the Judgment of Foreclosure, affidavit establishing interest and principal, and court filings demonstrating the delay.

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 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-10 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: MI

Complaint narrative:
Hello XXXX team I'm XXXX XXXX called you yesterday regarding an authorized transaction but you did not acknowledge my complaint.The reason given was that my transaction happened a few months ago, so reporting it now won't work. I know it's too late to report me, but you could still review my account.I don't know if there was a security problem that caused my authorized transactions to not be reported. I'm old now and can't remember anything. I have now submitted my written complaint to the XXXX team through the cfpb On XX/XX/year>, three Unauthorized transactions were made from my XXXX account. Somehow my card information and billing address But perhaps I was duped by a fake loan.Or someone stole my card information and mailing address while I was intoxicated.Honestly, I have nothing to do with this transaction. Either way, it was a scam. Total Unauthorized transactions amount : {$200.00} I am now requesting you to please arrange to restore these transactions of mine if possible.I am very sick now. If possible, please return the dollars. Then I can get some treatment with those dollars. Please it's my request I know I have too late. But that's true I don't have XXXX My XXXX account details XXXX XXXX NUMBER : XXXX Please trust me I don't have XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX XXXX, I received a phone call from Aldous & Associates regarding an alleged debt related to a gym membership. During this call, the representative asked for my name and, after I confirmed it, proceeded to disclose details about the alleged debt without conducting sufficient identity verification to ensure they were speaking with the correct individual. I did not request information about the debt prior to this disclosure. Additionally, during the same call, I indicated that I did not wish to continue the conversation ; however, the representative continued to press the matter rather than respecting my request to disengage. I am disputing the validity of this debt. This account stems from a gym membership that I attempted to cancel shortly after enrollment, but the cancellation was not properly processed. As a law firm engaged in debt collection, this conduct raises concerns regarding whether appropriate safeguards and communication standards were followed in handling this interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a notification from Apple Card/Goldman Sachs Bank XXXX XXXX XXXX {$580.00} charge from XXXX XXXX XXXX XXXX XXXX company in XXXX, Hawaii. I have never been to Hawaii, nor did I have plans to visit. I immediately notified Apple Card Support of the fraudulent charge. The charge was temporarily removed from my account, pending further investigation. For the past XXXX months, every XXXX weeks, Apple Card XXXX has contacted me with the results of their investigation and claims they believe the transaction is legitimate and authorized. I have reopened the dispute each time and repeatedly affirmed the same information : I am the only person with access to the account ; I have possession of my card ; no one else has authorized access ; I have never done business with this merchant before ; I did not authorize a transaction with them. Dates : XX/XX/XXXX - Original Fraudulent Transaction ( {$580.00} at XXXX XXXX ) XX/XX/XXXX - First Dispute Opened XX/XX/XXXX - Dispute rejected ; Transaction marked as authorized XX/XX/XXXX - Dispute reopened XX/XX/XXXX - Dispute rejected ; Transaction marked as authorized XX/XX/XXXX - Dispute reopened XX/XX/XXXX - Dispute rejected ; Transaction marked as authorized XX/XX/XXXX - Dispute reopened XX/XX/XXXX - Dispute rejected This cycle of reopening the dispute and Apple Card affirming the transaction has repeated multiple times, with no further information on how they reached that conclusion. They have made no clear effort to investigate the matter and have repeatedly tried to hold me liable, despite their customer agreement clearly stating, You will not be liable for any unauthorized transactions made on your Account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The credit card with XXXXXXXX XXXX XXXX XXXX. was a secured card. The dollar amount paid into the card was never deducted from the balance. Therefore, the amount they are attempting to collect is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I was extended on XXXX to the XXXX XXXX for the XXXX. However, I had a trip to XXXX booked through Chase 's online booking tool for when I got back around XXXX XXXX. Due to the extension, I would not be able to make the trip. Therefore I canceled my trip with Chase, and started a claim with their claims department through XXXX. I canceled the trip on XX/XX/XXXX, and was not able to submit the claim until XX/XX/XXXX when I was finally able to submit all the needed documents. The delay was due to ship internet not allowing me to acquire certain documents that were needed. After several months of review, and back and forth ensuring I had all the documents, I was initially denied the claim due to united giving me flight credit with my cancelation. On the denial claim sent through the mail, XXXX stated that I was denied and would not be able to be open again until the credits expired. It has been a year since then, and my XXXX flight credits expired. I was unable to use them because XXXX requires the credits to be used for the same two travelers, and my fianc and I were not cohabitating at the same time because my military service took me away for the whole year. Thus the approximately {$2000.00} dollars I spent vanished unable to be used. I started to reach out again on XX/XX/XXXX to reopen the claim, and called the department as well. I have submitted appeals on their website, and talked to representatives who said they will look into it and should be reopened by the end of the week. It's been a week later with multiple calls, and I just get the same answer that someone will look at it and should be reopened soon. Still there have been no changes to the claim, even with all the additional documents I have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: CA

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 : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. 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 XXXX XXXX, CA 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 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit card with XXXX XXXX XXXX XXXX. was a secured card. The dollar amount paid into the card was never deducted from the balance. Therefore, the amount they are attempting to collect is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), this account should not be there. Please check this information again and fix it, following 15 USC 1681c-2 inaccurate information must be deleted.

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