vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. due to repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. On XX/XX/XXXX, I submitted a written request for debt validation pursuant to 15 U.S.C. 1692g, requesting documentation including the original contract, full account history, and proof of ownership of the alleged debt. This request was properly sent and documented. On XX/XX/XXXX, I sent a second written notice informing Midland of its failure to provide proper validation and demanding that all collection activity and credit reporting cease immediately. To date, Midland Credit Management has failed to provide legally sufficient validation of the alleged debt. Any information provided has been incomplete and does not meet the requirements of the FDCPA. Despite this, Midland has continued to report this alleged debt to consumer reporting agencies on a monthly basis. This continued reporting without proper validation is misleading and constitutes a violation of : 15 U.S.C. 1692g ( b ) : Continuing collection activity without providing proper validation 15 U.S.C. 1692e : Use of false, deceptive, or misleading representations I have documented approximately XXXX ( XXXX ) months of continued reporting without validation ( XX/XX/XXXX through XX/XX/XXXX ), representing a pattern of ongoing non-compliance. The accounts involved include : MIDLAND CREDIT MANAGEMENT INC XXXXXXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT INC XXXXXXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT INC XXXXXXXX XXXX XXXX XXXX XXXX This conduct has caused ongoing harm to my credit profile and demonstrates a failure to comply with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Beginning XX/XX/year>, I disputed a XXXX XXXX XXXX account appearing on my credit report due to inaccurate and inconsistent reporting.The account reflects conflicting information, including discrepancies in delinquency status ( 30-day vs 60-day late ), inconsistent or incomplete payment history, and missing or conflicting account activity dates. The payment history also reflects multiple months of {$0.00} payments while only two late payments are being reported, which is inconsistent.I submitted disputes to the credit reporting agencies requesting full verification of this account, including the complete payment history and the Date of First Delinquency ( DOFD ). Despite these requests, the account continues to be reported as verified without sufficient documentation being provided to support the accuracy and completeness of the information.Additionally, the reporting of this account is inconsistent across credit bureaus, further raising concerns about the reliability of the data being reported.Based on the inconsistencies and lack of proper verification, I do not believe a reasonable investigation has been conducted as required under the Fair Credit Reporting Act.I am requesting that this account be removed from my credit report if it can not be fully verified as accurate, complete, and consistent.

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 2026-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: MPOWER Financing, Public Benefit Corporation

Complaint narrative:
In XX/XX/XXXX, I began working with representatives from MPOWER Financing, including individuals identified as XXXX and XXXX, regarding my student loan application. During this process, I was informed that I was approved for approximately {$64000.00} to cover two semesters of my one-year masters program. Based on this representation, I accepted the loan offer and proceeded with my enrollment. My school approved my admission and issued my XXXX on the condition that I demonstrated funding for the full academic year, which is a requirement for international students on an XXXX visa. After arriving in the United States and beginning my program, I discovered that only approximately {$27000.00} was disbursed, which covered just XXXX XXXX. This was significantly different from what I was led to believe during the application and approval process. After I began raising concerns about the discrepancy in the loan amount and terms, the original representatives ( XXXX and XXXX ) were no longer handling my case, and a new representative was assigned without explanation. Between XX/XX/XXXX and XX/XX/XXXX, I made multiple attempts to resolve this issue by contacting MPOWER Financing by phone and requesting clarification. During these communications, I explained that my XXXX required proof of full-year funding for XXXX XXXX and that the discrepancy in the loan amount placed my enrollment and immigration status at risk. I also requested access to call recordings with the original representatives, as I believe I was misinformed. I did not receive access to these records or a satisfactory explanation. Due to the funding shortfall, I was ultimately unable to continue my studies and had to withdraw from the program, which resulted in the loss of my XXXX XXXX status. Additionally, I was informed that this loan would not involve a U.S. credit check. However, the loan was reported to TransUnion, which has negatively impacted my credit profile. I submitted a fraud/dispute claim regarding this matter, but it was denied without a clear or sufficient explanation. As a result, I have experienced significant financial loss, academic disruption, and immigration consequences. I am requesting that MPOWER Financing conduct a thorough review of my case, provide access to all relevant communications including call recordings, and offer an appropriate resolution. This XXXX include correcting the loan terms, adjusting the balance, and addressing the credit reporting. I believe I was misled during the loan approval process and am seeking a fair and transparent resolution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is XXXX XXXX writing in regards to my One key Wells Fargo credit card ending XXXX. I have reported my card lost with few unauthorized transactions on XX/XX/XXXX or XXXX. I told them that I am a victim of identity theft and I have reported identity theft at IdentityTheft.gov already. I have tried to reach out few of the merchants by myself to identify the unauthorized transactions. One of the merchants already credited back when I notify them of an Unauthorized charge. Wells fargo still haven't resolve my issue and i am keep getting charge for interest and making me pay minimum amount which are not authorized by me. Please assist

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I was on the phone with a GM financial representative and the phone hung up and the representative processed the payment without permission. The payment was higher than my balance in my checking and it was over draft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Complaint Narrative I am submitting this complaint to formally document a prolonged and unresolved failure by my student loan servicer to process my Income-Driven Repayment ( IDR ) application, which I originally submitted in 2025. Despite the passage of an unreasonable amount of time, my application remains unprocessed. This delay has placed me in a position where I am unable to access an affordable repayment plan, avoid delinquency, or make qualifying payments toward federal forgiveness programs. I have made good-faith efforts to comply with all repayment requirements, including submitting my application and attempting to follow up. However, the servicers inaction has effectively denied me access to federally authorized repayment protections. Regulatory and Compliance Concerns This situation raises serious concerns regarding : Failure to timely process borrower applications for federally authorized repayment plans Denial of access to income-driven repayment protections, contrary to federal program intent Potential mismanagement of borrower accounts, leading to financial harm Risk of inaccurate credit reporting due to circumstances outside of my control The delay is not due to any failure on my part. Rather, it reflects a breakdown in servicing obligations. Impact to Borrower As a direct result of this failure : I have been unable to secure an affordable monthly payment I face potential or actual delinquency and negative credit reporting I am unable to make qualifying payments toward forgiveness programs such as IDR forgiveness or Public Service Loan Forgiveness ( if applicable ) My financial stability has been significantly impacted This situation is especially concerning given that borrowers are expected to rely on these programs for financial protection. Requested Resolution I am requesting the following actions : Immediate processing of my pending IDR application Retroactive correction of my account status to reflect timely submission and good-faith compliance Placement into administrative forbearance ( if not already applied ) while processing is completed Removal or correction of any negative credit reporting associated with this delay Assurance that I will not lose eligibility or credit toward forgiveness programs due to servicer inaction A written explanation for the delay and confirmation of corrective actions taken Additional Context I am prepared to provide documentation of my original application submission and any follow-up communications. I expect a timely and substantive response that resolves this matter and prevents further harm. Regards, XXXX XXXX XXXX. Please note that the request for the payment information to be reduced was submitted in 2025 ; this is now over a year old, and it still has not been resolved. Additionally, {$250.00} was drafted from my checking account by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: SC

Complaint narrative:
I am submitting this complaint regarding a Citibank credit card account that involves a serious payment handling error and unresolved dispute that has now been escalated to collections. A payment was submitted to Citibank, but instead of being processed or rejected in a timely manner, the payment was held for an extended period of time ( approximately six months ) and was later returned. This caused incorrect account treatment, including an inaccurate balance, additional charges, and financial harm. A formal dispute was previously submitted to Citibank requesting an explanation of how the payment was handled and a full accounting of the balance. However, the issue was not properly investigated or resolved. Instead of correcting the account, Citibank escalated the matter to collections. I have now received collection communications from multiple debt collectors regarding the same alleged account, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Both entities are attempting to collect substantially the same balance, which creates conflicting claims regarding ownership and authority to collect the debt. This situation raises serious concerns regarding the accuracy and validity of the alleged balance, as well as the handling of the account by Citibank. The debt is disputed in full, and written validation requests have been sent to the collection agencies. Despite the existence of a prior dispute, the account was placed into collections without proper resolution.

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 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
XXXX ) XX/XX/XXXX : Submitted refund request to Mohela for 3 payments made while on Government Forbearance totaling {$850.00} ( {$370.00}, {$380.00}, {$100.00} ) ; a. After submission, I was told it would actually take 90 business days for a refund b. Called in XXXX & XX/XX/XXXX for refund status as it had been 90 business days. Was then told it would actually be 120 business days and call in XXXX XXXX Called numerous times ( 10 + times ) throughout XXXX and XXXX for refund status and told every time there was not status change and my refund request has been escalated 2 ) On XX/XX/XXXX, I filed my initial complaint ( XXXX ) with CFPB regarding the lack of response and refund of monies ( which has been closed at this time ) XXXX ) On XX/XX/XXXX, contacted my congressmans office and ask they help in the matter. XXXX ) XX/XX/XXXX : Contacted Mohela again regarding status update and was told they finally processed my refund, and it was sent to the Dept. of Treasure on XX/XX/XXXX. I was told they would not know when it was processed by treasury, but they do get a tracking number once Treasury cuts the check. a. At that time, I didnt ask any other questions or bother to get any other information regarding the refund XXXX ) XX/XX/XXXX : Contacted Mohela re : refund to get more assurances it was processed and see if a tracking number had been given a. At this time, I was told the refund amount was only {$370.00} b. Representative, with Mohela was unsure why the other 2 payments hadnt been processed as requested initially with this payment c. The rep with Mohela stated she would have to restart the refund request process all over again for the remaining 2 unpaid amounts ( {$380.00} & {$100.00} ) XXXX ) XX/XX/XXXX : Mohela rep submitted 2 separate requests and instead of making me wait the XXXX business days for refund processing, she sent them to the escalation Supervisors stating that accounting didnt process my initial requests correctly and asked to have them done within their normal 10-day follow-up procedures. XXXX ) On XX/XX/XXXX : Received a check dated XX/XX/XXXX from the Dept. of Treasury in the amount of {$370.00} XXXX ) Calls have since been made to Mohela on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX with no status updates and no changes to my pending refund requests for the remaining 2 amounts ( {$380.00} & {$100.00} ) and on every call, after spending hours at times, simply waiting to speak to someone, I am told they will simply escalate the request and usually its another 10-business days before they get a response. At this time, no one is being held accountable with Mohela in processing their mistake from the beginning, and I am the one left hanging out to dry, and having to do all the leg work.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I use my card to get around {$30.00} worth of gas and when I arrived to work I ordered some coffee/breakfast for {$8.00}. By the time I finished with my first client I went to check my phone and realized my Cash App was not working. It was starting me over as if I didnt have an account. When I checked my email to see what was going on I saw that someone had unlinked my phone number and email address from the my Cash App account. I contacted Cash App right away to report that my account had been hacked and they assured me that my money would be refunded based on the information I shared. I have never had this issue before and did not authorize anyone to use my card nor did I give out any personal information. On XX/XX/year> I received an email from XXXX a Cash App representative stating that my claim was denied. I am highly disappointed and frustrated with the outcome because at no point would I authorize anyone to take {$960.00} from me. So I am reaching out so that a more in depth look at my concern can be initiated and my money refunded. I called Cash App back today to file an appeal/dispute and was provided with further information to substantiate my grievance. The bank the money was transferred to was XXXX Bank ; this is not a financial institution that I utilize. They shared the full email address used and their name. All of that pointed to fraudulent activity that again I would never authorize. I have a child and work hard to earn a living ; {$960.00} was allocated towards my daughters school fees. So this financial loss is felt and Cash App failed to refund my money that was taken in a fraudulent manner. The timeline is below XXXX XXXX XXXX XXXX -gas at XXXX XXXX XXXX purchased at my work site XXXX - XXXX - seeing client XXXX - this is around the time I checked my phone and noticed I could no longer log into my Cash App account via my phone and I checked my email to see if there were changes I didnt know about. I saw I series of emails all timed at XXXX indicating that someone had unlinked my phone number, email address and connected theirs to my Cash App account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
They r refuse to close keep on changeing the rates sending me coutless commitment letters for iterest rate changes.they refuse to do what they r suppose to do in a timely manner.they get everything the request and still no closeing just more commitment letters for higher rates XXXX in less the XXXX am XXXX old handicapped and XXXX. Im trying to get my equity to finish my work theese people dont want me to get my equity i being discrinated against.i want my equity loan theese people at rocket mortgage do not operate i good faith they keep on changeing the rates really upsetting the elderly denying the and forceing him to do the repairs himself endangering his health and well being insted of haveing to hire people to do the work.they are discriminateting against me by not letting me have my equity i hope you can help me with this loan.the number isXXXX so you can see for yourself whats going on.thank you i hope i get somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I have been contacted by this company while at work 15 times and was told I am going to pay this bill. I have advise the person I spoke with that I am in communication with XXXX XXXX XXXX and waiting to here back from them with an itemized bill .I have asked to keep the communication with me through mail and not contacting me by phone. They proceed to keep calling me each day and it is becoming harassment .This is why I am filing this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Subject : Urgent Request Status and Refund of {$990.00} XXXX Payment I am formally requesting resolution regarding a {$990.00} XXXX refund that has not been paid to me. XXXX XXXX XXXX dealership has provided me with documentation clearly showing that this payment was issued and sent to Honda Financial Services. These documents have been uploaded and are available for your review. Additionally, based on my communication with the XXXX provider, it has been confirmed that this payment was processed and sent to XXXX XXXX XXXX. This demonstrates that the involved parties records are consistent regarding the movement of the funds. However, the official documentation provided by Honda Financial Services states that this payment was not received. This creates a clear financial discrepancy, and the current status of the {$990.00} payment is unknown. I am requesting immediate clarification and resolution on the following : XXXX. Where the {$990.00} payment was sent and its current status XXXX. A written explanation as to why this payment has not been applied to my account or delivered to me XXXX. Immediate reimbursement of the full amount to me Internal processes or miscommunication between parties are not my responsibility. This money belongs to me and has not been delivered. I expect this matter to be resolved urgently and the funds to be returned to me without further delay. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I initiated XXXX wire transfers from my Bank of America account for auto auction payments to XXXX XXXX XXXX. The first transfer was {$9800.00} on XX/XX/XXXX, reference number XXXX. The second transfer was {$11000.00} on XX/XX/XXXX, reference number XXXX. Both transactions were either rejected or delayed, and the funds have not been returned to my account after more than XXXX days. I contacted my bank and requested a recall, but I have not received the funds back yet. I am requesting immediate investigation and assistance in recovering my funds and ensuring timely return of rejected wire transfers.

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