vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I enclosed a file of harassing emails 1 year now. ( I only included recent ones to demonstrate plus other docs ). 
I have been paying on time since the Spring yet they report to the credit bureaus " Missed Payments '' After sending me emails " Your Payment has posted ( ontime ) a few days later I get a letter saying they are reporting my " missed payment. I made numerous calls. No agent is able to tell me 1. How they account for payments and method of application. 2. What the {$380.00} fee is for. 3. How this all happened. 4. How it can be fixed. One agent escalated the matter and promised a manager to get back with explanations. Included is the email that they are " not able '' to tell me. Yet they bombard me with many emails even on XXXX demanding fees and payments. The loan is still surprisingly large for 4 years of these payments. They are unable to explain. 

Second Issue. I am not sure but the one time a while ago early 2024 I had the car reposessed I did not receive the legal notice and warning. They also then back dated the letters the following week After I got my car out paying all outstanding fees to XXXX. However soon a {$380.00} XXXX remained. 

Third Issue. They are reporting to credit agencies that I am missing payments EVERY month after paying MORE than my payment due. Although payment history enclosed is cut off ( I can not fix maybe printer problems ) they payments showing just add a XXXX ( XXXX is actually a {$600.00} payment for a XXXX due. You can get a detailed history from them however. This morning after I scanned the harrassing emails, I receive yet one more. It said I " missed XXXX car payment ''. I paid it On Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal permanently limited my account and is withholding my balance of {$31.00} USD. 
The account was originally registered in the XXXX, but I currently reside outside the XXXX and can not provide a XXXX Social Security Number or XXXX ID. 
I contacted PayPal, submitted valid identification and proof of address, and requested an alternative method to withdraw my remaining balance.

PayPal refused to release the funds and stated that the balance can not be withdrawn. 
I am requesting the release of my remaining balance through an alternative withdrawal method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: MOHELA
State: FL

Complaint narrative:
This is a continued complaint from case XXXX. 

I'm having a hard time getting Mohela to correct my monthly amount. 

I have roughly {$380000.00} total student loans between Mohela and XXXX. I submitted an IDR application on XXXX, and it estimates a monthly payment of {$350.00}. Since I have XXXX loan servicers, according to XXXX, " each servicer will first determine your XXXX plan payment amount and then adjust that amount by multiplying it by the percentage of your total outstanding eligible loan debt that is serviced by that servicer. Example : Sixty percent ( 60 % ) of your total outstanding eligible loan debt is with XXXX XXXX and 40 % is with XXXX XXXX. Your calculated monthly payment amount under the XXXX plan youve requested is {$140.00}. You would be required to pay {$84.00} per month ( 60 % of {$140.00} ) to XXXX XXXX and {$56.00} ( 40 % of {$140.00} ) to XXXX XXXX. '' Currently, my loans are roughly as follows : {$200000.00}, or 54.12 % total debt with XXXX. {$170000.00}, or 45.88 % total debt with Mohela. My IDR application yields {$350.00} as my monthly payment. It should be charged roughly as ; {$350.00} XXXX XXXX XXXX XXXX {$190.00} XXXX. {$350.00} XXXX XXXX XXXX XXXX {$160.00} Mohela. XXXX has reflected this correctly. However, Mohela incorrectly has my monthly payment set as {$350.00}. 

Ive spoken to multiple Mohela agents on the phone whos confirmed my monthly payment with Mohela should be around {$150.00}, and theyve manually processed a new application for me, but I have yet to see changes on my account. I am losing time on the IDR-forgiveness process while waiting this change to happen, and it is an ongoing issue since XX/XX/2025. Please assist, thank you! 

Source : XXXX XXXX XXXX XXXX XXXX See under : I have loans with different servicers, and I qualify for an XXXX plan. How do servicers determine my monthly payment amount?

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am disputing Account Assure Pro fees that were billed to my Comenity / Bread Financial credit card account beginning in XX/XX/year>. I do not recall and do not believe I ever knowingly or affirmatively consented to enrollment in this product. This is not a product I would have knowingly signed up for. 
Comenity asserts that I enrolled online on XX/XX/year>, but has never provided any documentation showing affirmative consent, such as enrollment logs, click records, IP address, recorded authorization, or a signed acknowledgment. 
After I disputed the charges, Comenity refunded only the last six months of fees as a courtesy, but refused to refund earlier fees or interest that was charged on balances inflated by those fees. They also stated that responsibility lies with a third-party administrator ( XXXX XXXX ), even though Comenity posted the charges, billed my account, and assessed interest.

I believe Comenity failed to properly investigate my billing dispute as required under
the Fair Credit Billing Act and improperly limited remediation without providing evidence of valid enrollment. A partial refund without proof of authorization is not a reasonable resolution of a billing error dispute.

I am requesting : Refund of all Account Assure Pro fees charged since enrollment began in XX/XX/year> Refund of interest associated with balances inflated by those fees Written documentation showing how I was enrolled and what consent was captured

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian has again put a security freeze on my credit without my permission. I have had no issues since encountering the same problem back in XXXX to XXXX. When I file a complaint they come back with I will hear in 60 days. Thats unacceptable. I sent them a certified letter with my drivers license name change social and address. This is illegal and I am not waiting 60 days to have a bogus security freeze removed. I have had no issues for the past few years until now. I am not waiting 60 days. I dont have security freeze on my other credit bureaus. I need my credit report and security freezes removed. My employer can not pull my reports because of this. When you illegally interfere with someones job its a serious issue. I was also locked out of my account with you so I created an account no one can get in. I want Experian to unlock my credit. Again its illegal for them to do this. I cant join their membership nothing because of this bogus freeze and I am not waiting 60 days to become a member and get my credit reports. All documentation has been sent to them twice.

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 2026-01-14 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: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Closed the account in XXXX. I asked if there would be ANY OTHER FEES because I wanted it completely paid off and closed ; and they told me ( no ). Now I am getting a monthly interest rate charges. I am SO XXXX off!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My wallet was stolen, and my Bank of America credit card was used without my authorization. I did not enter my PIN and did not sign for the transaction. I reported the unauthorized charge and filed a dispute with Bank of America. 

The bank denied my claim solely based on the use of chip and PIN, without properly considering that the card was stolen and no longer under my control. I requested escalation and asked for the documentation used to deny my claim, but Bank of America failed to provide this information or conduct a proper review. 

I believe this claim was not handled in accordance with consumer protection requirements under Regulation E, and I am requesting a full review and resolution of this unauthorized transaction.

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 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I keep getting calls, texts, emails about a debt collection that was sold to third party without my acknowledgement or consent. Creditor did not try to work with me. I'm getting constant calls from Halstead Financial, XXXX XXXX, XXXX, other people I've never heard of trying to collect and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: HI

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Had unauthorized money missing & loan taken out in my name that was unauthorized. The first few transactions me I reached out to cash app was unsuccessful in resolving issues with them was told to reach out to my bank linked to my account that did not resolve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I had a direct deposit from my PayPal account to XXXX. On the same day, I canceled the transaction in XXXX so that the money would be returned to my PayPal account. So, on XX/XX/XXXX, the money was returned, but my PayPal account was already at its permanent limit, and I had to wait 180 days to withdraw the funds. But on XX/XX/XXXX, I had transaction showing that PayPal had debited all the money in my account. I don't know to whom, maybe to XXXX, but my money is gone! 

Translated with XXXX ( free version )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
This company is stating that I have an account with a debt of XXXX. They marked as if payments were made but the amount is XXXX. I have no idea who or what this company is

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I received a letter XX/XX/year> stating my loans were discharged. I have been calling for over a year because the loans are still showing with advantage even though the dept of education shows they are discharged. I can not get an answer on when this will be completed even though I was told it was already discharged through the board of education. I would like this investigated because I am due a refund and nobody can give me any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: WV

Complaint narrative:
I have received this collection notice in the past. About XXXX months ago. It is not mine, and I have no clue why this is attached to my credit. It is a clear mistake. I sent a letter to the collection agency explaining that it isn't my account. They never replied, and the collection was removed from my credit report. I assumed that my letter of explanation cleared up the mistake. 
This collection just showed up again on my credit report and my credit score was reduced by XXXX points ( depending on the bureau ). I am looking for this to be PERMANENTLY removed from my profile, as it is not mine and never has been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: UT

Complaint narrative:
I have sent a letter to the attorney of the company letting them know I have had some medical issues and have not been able to make much money I have also filed for XXXX insurance an waiting on that. I understand that {$450.00} payd to them would stop the XXXX $ bill I now have but am unable to pay that in full.,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Account disputes must be resolved properly and within the time allowed by law.

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 2026-01-14 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: IN

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-14 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: TN

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 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Issue : Incorrect information on your credit report Company : Nelnet Description of Incident : I am filing this complaint because Nelnet is reporting inaccurate and logically inconsistent data to the credit bureaus, which has caused me significant financial harm. 
Specifically, my credit reports from XXXX XXXX XXXX XXXX show my Nelnet account as " Current/OK '' for XX/XX/year>, yet it jumps immediately to " 90 Days Past Due '' for XX/XX/year>. It is a mathematical impossibility to be 90 days delinquent only 30 days after being reported as current. 
I attempted to resolve this directly with Nelnet, but they issued a generic denial letter ( attached ) stating my dispute was " invalid '' or " incomplete. '' By failing to correct this obvious " leapfrog '' reporting error, Nelnet is in violation of the Fair Credit Reporting Act ( FCRA ) 623, which requires furnishers to provide accurate and complete information. 
Financial Harm : As a direct result of this inaccurate 90-day delinquency, I have suffered " adverse action '' from my other creditors. My existing credit limits have been significantly reduced, and I have lost credit privileges on multiple accounts. This has caused a sudden drop in my credit score and has negatively impacted my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS INQUIRY WAS ENTERED WITHOUT MY PRIOR APPROVAL.

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 2026-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
My federal student loan servicer, Edfinancial Services, reported a 90-day delinquency to the consumer credit reporting agencies without providing required billing statements, delinquency notices, or reasonable account access. 

My credit report reflected a no data / ND status for this account in XX/XX/year> and then jumped directly to a 90-day delinquency in XX/XX/year>. This progression is procedurally impossible and indicates inaccurate reporting. 

Despite multiple requests, Edfinancial has not provided documentation to me or to the credit reporting agencies demonstrating that proper billing, notice, or account access was provided prior to reporting the delinquency. 

During the period in question : No billing statements were received ( mail or electronic ) No delinquency or past-due notices were received No functional online payment portal or access credentials were available No opportunity to cure was provided prior to adverse credit reporting Nevertheless, Edfinancial retroactively reported a 90-day delinquency, materially damaging my credit. My credit score declined by approximately XXXX points, moving me from good to poor credit standing as a direct result of this reporting. 

This constitutes inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and a servicing failure under CFPB standards. A borrower can not be held delinquent for an obligation that was never presented or reasonably payable due to servicer inaction. 

Edfinancial has previously been sanctioned by the CFPB for servicing misconduct, which raises concern regarding continued compliance failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 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: MO

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