vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: IL

Complaint narrative:
I am filing a formal complaint against MOHELA for ongoing harassment and improper debt collection practices. The company has engaged in excessive and invasive communication not only with me, but with multiple third parties who are not responsible for this debt. They have repeatedly contacted my XXXXyear-old aunt ( who co-signed my loan and is in poor health ), as well as my brother, sister, parents, and extended family members. These individuals are being contacted persistently despite having no involvement in the debt, causing significant distress. My elderly aunt has received such a high volume of calls and mail that she was forced to disconnect her home phone. This is especially concerning given her age and health condition. Additionally, MOHELA contacted my place of employment, which is completely inappropriate and has caused me professional distress. This action crossed a serious boundary and has made me feel unsafe. The frequency and scope of these contacts are excessive, intimidating, and appear to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding harassment and third-party communication. I have issued a formal cease and desist letter requesting that all communication with third parties stop and that all future communication be limited to written correspondence with me only. I am requesting that MOHELA : Immediately cease all communication with third parties, including my family and workplace Limit all future communication to me in writing only Review and correct their collection practices to ensure compliance with federal law I am documenting all contact and will pursue further legal action if this behavior continues. Attached are photos of all the different phone numbers they have been STALKING and HARASSING me from so much so that Ive had to block them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management has placed a negative activity on all three of my credit reports for an unpaid balance of {$370.00} owed to them. I have contacted them asking for information about whether I am the owner of this. They have refused to provide the proof and are threatening to sue me. I have never opened any accounts with them. I have written to them 4 times in the last 6 months, requesting more information and proof that I owe them this money. I have been a victim of fraud, and I know this account is a result of this. This has negatively impacted my credit and has caused me great financial stress. I have been denied credit, account closure, and a credit limit decrease.

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: Experian Information Solutions Inc.
State: CA

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 2026-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, I requested a payoff statement in the branch at XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX They used the phone line to submit my request and informed me I could access the form in my documents in an hour. I waited until XX/XX/XXXX for the statement to appear in my documents or in the mail and I received nothing. I then went on the website to request the statement but it directed me to call a phone number. I tried the phone number but it couldnt account. I then went back to the branch on XX/XX/XXXX and requested it again. This time I was told they could fax it in a few hours and they would give me a call when they receive the fax. I waited until the next day and returned to the branch again. They had still not received the form. I asked again for a payoff statement and they informed me they requested it again and I should come back tomorrow.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XXXX2026 I signed up for the apple card after having a promotional link targeted for me in my email. It said : Now through XX/XX/XXXX, get a new Apple Card and earn 5 % total Daily Cash back on grocery store purchases for your first 6 months, up to {$500.00} total Bonus Daily Cash. Plus get {$75.00} upon any first purchase. Must use Apply now button. This offer may not be available elsewhere.6 the footnote for 6 says : 6. Subject to credit approval. Valid only for new Apple Card holders... However i did own a card years ago but it was closed within the same year for being inactive. Seeing this promo in my direct apple email i assumed i was eligibible so i signed up and called. they said i was valid for this promo. Understanding my confirmed eligibility, i made my first purchase and after it was done pending I did not recieve the XXXX dollars. Called again and they said i was denied by the supervisor for the footnote 6. Escalated to a case ID but I am seeking CFPB assistance due to the bank 's refusal to honor the solicitation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: IN

Complaint narrative:
I am submitting a complaint regarding a rental debt being reported and collected by RentDebt Automated Collections , LLC on behalf of XXXXXXXX XXXX XXXX XXXX XXXX. I disputed this debt and requested validation pursuant to the Fair Debt Collection Practices Act. The company responded with documentation ; however, the information provided is incomplete and does not constitute proper validation of the alleged debt. The response did not include a complete and itemized payment history from the beginning of the lease through the final balance, nor did it provide sufficient documentation demonstrating that I am legally obligated to pay the full amount of {$6800.00}. The ledger provided does not clearly show how this balance was calculated in a verifiable and accurate manner. Additionally, the documentation references eviction as the reason for move-out ; however, the eviction case associated with this matter was dismissed in court. This is misleading and raises concerns regarding the accuracy of the reporting. The charges listed, including damage fees and eviction-related costs, were not supported with adequate documentation such as photographs, move-out inspection reports, or proof of tenant responsibility beyond normal wear and tear. Due to the incomplete validation and questionable accuracy of the information provided, I am requesting that this account be removed from all consumer reporting agencies and that all collection activity cease unless proper validation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I requested mortgage assistance after started back to work after loosing sight in one of my eyes.They provided 2 mortgage assistance packages which I sent both back in but never received a loan modification nor any other communication regarding the modification instead I received a letter from their attorney. I will provide proof that wife prepared. This is common procedure for Shellpoint mortgage according statistics found in various publications made available to the public. Dual tracking has clearly played a major role in this pattern that has happened with me. They pretend to be working with me to keep my home but attempting bring a foreclosure action simultaneously.

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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Nelnet regarding the handling, reporting, and security of my student loan account. Nelnet was involved in a recent data breach that exposed sensitive personal information of borrowers, including myself. This breach has raised serious concerns about the integrity and accuracy of the data they maintain and report to credit bureaus. Additionally, there is active class action litigation in 2026 related to this breach and their failure to adequately safeguard consumer data. Despite this, Nelnet continues to report my student loan account to the credit bureaus without providing sufficient assurance that the data has not been compromised or affected. I formally requested validation of this account, including documentation proving the debt is accurate, authorized, and unaffected by the breach. I have concerns that the information being reported may be unreliable due to the exposure of sensitive data. I am requesting the following : A full investigation into the accuracy and validity of my account Verification that my data has not been compromised or altered Immediate correction or deletion of any inaccurate or unverifiable information being reported Assurance that Nelnet is complying with all federal consumer protection laws I am seeking resolution to ensure that my credit report is not being negatively impacted by potentially compromised or unverifiable data. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, 2026, I filed 10 fraud disputes through cash app totaling over {$800.00} through their mobile app. I then called the next day to inform them of this, and to make sure they filed my disputes, and to verify the fraud scams of each of the transactions. Today, XXXX XXXX 2026 I filed an FTC fraud report, noting that I have been a victim of fraud and Id theft in the past, etc. I called them over the phone, and was transferred to their fraud department. XXXX XXXX XXXX, spoke with me and, I told him I would like to submit this documentation through email to them to support my claims. He sent me the email. Later today, I received emails from cash app, 10 of them, stating they were not able to refund me the money owed to me. They stated through the emails that I was not scammed

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: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting a complaint regarding an unauthorized credit card account reported by Wells Fargo. This account was opened without my permission or authorization. I have previously reported this issue as fraud and provided supporting information. While the bank has acknowledged fraud on related checking accounts, they have incorrectly determined that the credit card account is valid and has not fully resolved the identity theft claim. The credit card account in question has been reported with a balance of {$8200.00} and is currently being reported as Closed by grantor, which is negatively impacting my credit history. I respectfully request a full reinvestigation of this account as identity theft and unauthorized account opening. I am requesting that the account be removed or corrected to reflect that I am not responsible for this debt. I am also requesting that the bank provide : * Documentation verifying how the account was opened * Evidence of authorization ( signature, IP logs, or application records ) * A full explanation of why my fraud claim was denied despite supporting evidence This situation is causing significant financial and credit harm, and I am requesting your assistance in ensuring a fair and accurate resolution. Thank you for your time and assistance.

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 2026-04-09 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: Experian Information Solutions 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 explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection accounts listed as XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, BK OF AMER - XXXX, XXXX/XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX - XXXX XXXX NMAC - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I applied for XXXX XXXX ( XXXX ) recertification on XX/XX/year>, XXXX month before my XX/XX/year> deadline. I received confirmation of receipt from my servicer, MOHELA. On XXXX26, I called MOHELA and spoke with a representative for 31 minutes. The representative advised me that based on my income my payment should be {$0.00} and instructed me to allow the application to process without taking further action. I followed this advice in good faith. On XXXX/26, I received a billing statement for {$250.00}, indicating my application had not been processed. On XX/XX/year>, MOHELA changed my repayment schedule without explanation and issued a separate bill for one of my loans due XX/XX/year>. On XX/XX/scrub>XXXX/26, my application was denied for insufficient documentation. Within three business days, on XXXX26, I resubmitted with tax documentation. On XXXX/26XX/XX/year>, MOHELA confirmed receipt and stated processing would take up to 90 business days, while advising me to continue making payments. I enrolled in XXXX XXXX, which MOHELA confirmed. On XX/XX/scrub>XXXX/26, MOHELA issued a statement explicitly showing {$0.00} past due. On XX/XX/scrub>XXXX26, my account showed a past due balance, I received four identical XXXX termination notices, and my plan was converted to a Standard XXXX repayment plan despite my timely application, responsive documentation, and a MOHELA representative 's explicit advice to let the process play out. Also on XXXX26, I resubmitted my tax documentation for a second time. As of XXXX26, my account now shows a total of {$700.00} due {$120.00} past due on one loan and {$570.00} current due on the remaining loans compared to the {$0.00} payment I was advised to expect under XXXX. This amount continues to grow as a direct result of MOHELA 's failure to process my timely application. I am requesting reinstatement of my XXXX plan retroactive to XXXX26, removal of the past due designation, confirmation it has not been reported to credit bureaus, and administrative forbearance while my application is processed.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a lot of inquiries on Equifax credit report that I did not do over 20 in one year

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 — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I submitted an income-driven repayment application for the XXXX plan through studentaid.gov on or around XXXX XXXX, 2023, after receiving notification that I may qualify. My loan servicer, Aidvantage, confirmed during a phone call in XX/XX/XXXX2025 that my application exists in the federal system and is visible to them. However, they stated that the application was never processed and claimed that it was my responsibility to ensure they received it. As a result, I was not placed into the XXXX plan and remained in a less beneficial repayment plan, which caused unnecessary interest to accrue on my loans beginning in 2023. I attempted to resolve this issue by contacting Federal Student Aid and submitting a complaint through studentaid.gov in XX/XX/XXXX2025 ( XXXX Feedback Case # XXXX ). The response I received did not address the issue correctly, and the case is no longer visible in my account under Manage Cases. This situation reflects a breakdown between XXXX XXXX XXXX and my loan servicer, resulting in financial harm to me. I am requesting a full account review and appropriate adjustment of accrued interest due to the failure to process my submitted income-driven repayment application. I am also requesting assignment to an Ombudsman case manager, as I have made multiple attempts to contact the XXXX using the phone number listed on studentaid.gov without success.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a lot of inquiries on Equifax credit report that I did not do over 20 in one year

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate information on my credit report. The account listed under CENTRAL PORTFOLIO CONTROL, account number XXXX * * * *, is reporting incorrect information. I have previously disputed this account with the credit reporting agencies, but the inaccurate information has not been corrected. This account is either not mine, contains incorrect details, or has not been properly verified. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. The company has failed to conduct a reasonable investigation into my dispute. This inaccurate reporting is negatively affecting my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation