vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: AL

Complaint narrative:
Product : Debt Collection Issue : Attempted to collect debt not owed / Incorrect information on credit report / Failure to validate debt Company : Credit Control , LLC Original Creditor : XXXX XXXX XXXX Complaint Narrative I am formally disputing the alleged debt referenced as Credit Control , LLC account for XXXX XXXX XXXX, account ending in XXXX, balance {$480.00}. 

I do not acknowledge this debt as valid, nor do I acknowledge that Credit Control , LLC has legal standing to collect it. 

I requested full debt validation pursuant to 15 U.S.C. 1692g ( FDCPA ). Despite this, the collector has continued to send settlement offers and collection communications without providing legally sufficient verification.

Specifically, the collector has failed to provide : 1. A copy of the original signed contract or agreement with my signature 2. A complete chain of title proving lawful ownership of the debt from XXXX XXXX XXXX to Credit Control , LLC 3. An itemized accounting showing how the alleged balance was calculated 4. Proof that the debt is within the applicable statute of limitations 5. Proof they are legally licensed to collect in my state Continuing collection activity without validation constitutes continued collection on a disputed debt, which I believe violates FDCPA 1692g ( b ), 1692e, and 1692f.

If this account is being reported or updated with consumer reporting agencies, such reporting is inaccurate, unverified, and unlawful under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I want to clearly express how XXXX  and unacceptable this situation has been. I discovered a collection account reported under my name for a debt I do not recognize, can not verify, and do not owe. Since then, I have been subjected to repeated and aggressive communications across multiple channels, including implied threats of legal action. As a law-abiding consumer, I find this conduct insulting and a clear violation of my rights. This experience has caused significant XXXX, emotional strain, and ongoing sleep disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NRA Group, LLC
State: OH

Complaint narrative:
Major Credit Bureaus stated that information is accurate. Credit Bureaus continues to be no responsive to several disputes. Thier no action continued to result in being able to achieve financial obligations and objective. Per FCRA rules and regulations, Collection Agency 's actions has failed to respond to Fair Credit Reporting Act ( FCRA ) and the Fair Debit Collection Practice Act ( FDCPA ) to respond within ( 30 ) days According to previously investigative findings the statue of limitation has expired, Major Credit Bureaus had continued to accept Collection Agency data has accurate. No billing had never been received. Collection Agency had continued to defy the law set by FCRA and FDCPA. State Attorney General Office state that Collection Agency had failed to respond. Several lenders had denied my application for a personal loan. I have proceeded to file a lawsuit against National Collection Agency and their client ( XXXX XXXX ). This dispute has been on going since XXXX. National Collection Agency had failed to comply with provision of the FDCPA is liable for : CFPB Consumer Laws and Regulations, FDCPA CFPB Manual V.2 ( XX/XX/XXXX ) FDCPA XXXX REFERENCES Laws 15 U.S.C. 1692 et seq. Fair Debt Collection Practices Act.Investigation had revealed the above mention articles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I financed a residential solar system through a company called XXXX, using Service Finance Company , LLC as the lender. I entered into this loan based on specific representations made by the sales representative, many of which turned out to be false or misleading. 

I was told I would qualify for a federal solar tax credit and that applying that credit to the loan would keep my monthly payment at approximately {$240.00} per month. I was further told that if the tax credit was not applied within approximately XX/XX/XXXX months, my payment would increase to about {$360.00} per month. I later learned that I did not qualify for the tax credit at all, through no fault of my own, which caused my payment to increase significantly. 

I was also told that the solar system would be so efficient that I would no longer receive an electric bill from my utility company. This has not been true. I continue to pay my utility company approximately the same amount as before, in addition to the solar loan payment. 

Less than XXXX year after installation, XXXX went out of business. As a result, the workmanship and service warranties are effectively void, and the system is not functioning as represented. Despite this, I am still being held responsible for a loan balance of over {$60000.00} for a system that is not delivering the promised benefits. 

I sent a certified written dispute letter to Service Finance Company several months ago explaining these issues and requesting assistance. That letter was ignored. 

The loan has since been placed into collections, a lien has been placed on my home, and a third-party debt collector is now attempting to collect the debt. Service Finance is refusing to accept partial payments and is not working with me to resolve this matter, despite the underlying product failure and the installer being out of business. 

Additionally, my father is on the mortgage loan, title, and deed of the property, yet he was never asked to sign or consent to the solar loan or lien, raising serious concerns about proper authorization and disclosure. 

I believe this loan represents a failure of consideration, as the financed improvement is not functioning as promised, has no effective warranty, and the installer is no longer in business. I am requesting assistance in obtaining a loan suspension, modification, settlement, or other appropriate resolution, and relief from ongoing collection activity related to this defective solar installation.

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 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK
State: WI

Complaint narrative:
On XX/XX/year> I reviewed my credit report and noticed a new Discover card that I did not open this card and do not have a Discover card. I have never used it There is a balance on this card for over {$8000.00}. I asked for transaction information. They told me that it was for a go fund me, andca hotel in XXXX and I have never been there. They also told me that a pyrchade was made by someone with the name XXXX. I did not open this card nor authorize it or any transactions with Discover.. 
I also reviewed my credit report It is on my credit report saying so far up to date with payments but no payments have been made by me or anyone seeing that this is a new card and not required yet. I need this card canceled the debt canceled and removed from my credit report. I believe that I am a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am filing this complaint regarding Barclays Bank Delawares handling of a credit card dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.13 ). 

The dispute concerns a charge dated XX/XX/year>, in the amount of {$23.00} from XXXX XXXX XXXX XXXXXXXX on my XXXX XXXX  XXXX credit card ( last four digits : XXXX ). The transaction occurred via contactless payment using XXXX XXXX on the phone of my son, an authorized user on the account. The charge was accidental, occurred without intent to purchase, and no goods or services were received. A similar accidental contactless charge occurred earlier the same day and was refunded by the merchant. When my son later contacted the merchant regarding the {$23.00} charge, the merchant refused to refund it, citing a change in business ownership. 

I disputed the charge with Barclays. Barclays initially issued provisional credit and canceled the card, but later reversed the credit and determined the charge to be valid. When I requested an explanation and supporting evidence, Barclays stated only that the charge method was consistent with prior transactions. No merchant documentation, proof of delivery, proof of performance, or other evidence was provided. Although Barclays briefly stated the investigation was reopened, the disputed amount was not suspended and the original determination was reaffirmed.

I believe Barclays failed to conduct a reasonable investigation as required by Regulation Z 1026.13 ( f ). My dispute was based on the absence of goods or services received, yet Barclays appears not to have obtained or evaluated any merchant evidence addressing delivery or performance. Reliance solely on internal transaction pattern analysis does not satisfy the FCBAs investigation requirements. Additionally, Barclays failed to provide a sufficient written explanation or supporting documentation as required by 1026.13 ( g ).

I am requesting that Barclays be required to correct this billing error, restore the disputed amount, and ensure compliance with the Fair Credit Billing Act and Regulation Z.

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 2026-01-02 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/year> I made an online purchase of XXXX silver coins from XXXX XXXX for {$95.00}. I received XXXX fake silver coins from XXXX XXXX. I attempted several times to contact the company but there was no response. I disputed this charge with BARCLAYS BANK and I was denied based on BARCLAYS BANK not being able to contact XXXX 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 2026-01-02 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: CA

Complaint narrative:
I am disputing a violation of Regulation Z ( 1026.13 ) regarding a 'billing error ' that JPMorgan Chase has failed to resolve. 

XXXX. Timeline of Events : XX/XX/year> : I returned XXXX graphics cards in-person at XXXX XXXX XXXX # XXXX. The merchant verified the serial numbers, accepted the return, and issued a manual refund receipt for {$4300.00}. 

XX/XX/year> : XXXX days after the return was finalized and the goods were in the merchants possession, the merchant unilaterally re-charged my card for the exact same amount ( {$4300.00} ) without my authorization. 

XXXX 2025 : I filed XXXX disputes with Chase. I provided a copy of the merchant-issued refund receipt as absolute proof that the transaction was legally rescinded. 

XXXX. The Problem with the Investigation : Chase denied the dispute based on a post-hoc allegation by the merchant regarding the condition of the goods after they were already accepted and a refund receipt was issued. Chase failed to conduct a 'reasonable investigation ' as required by federal law because : They ignored the finality of the refund receipt, which serves as the merchant 's legal acknowledgment that the return was valid. 

They allowed a merchant to use the credit card system to 'claw back ' funds after a completed return, which is an unauthorized transaction. 

The merchant still retains the merchandise ; therefore, I have been charged {$4300.00} for goods I do not possess. 

XXXX. Desired Resolution : I am requesting that Chase follow the mandatory error resolution procedures of Regulation Z and permanently credit my account for this unauthorized {$4300.00} re-charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year> a cashtag account in cash app made fraud charges on my cash app account card. MY cash tag  is XXXX XXXX that account was closed once the fraud happen so I dont want to hear they didnt have the account the card number ending in XXXX was compromised by cash app personnel and they wont refund my money. XX/XX/year> $ XXXX XXXX stole {$490.00}, {$590.00}, {$490.00}, {$390.00}, {$410.00}, {$420.00}, XXXX, {$25.00}, {$48.00}, {$390.00}. All these funds were stolen before they were made available to me the funds where taking before the money direct deposit from my job even posted to my account how is this even possible! Again my cash app cash tag is XXXX XXXX was compromised by cash app security they let cash app cash tag name XXXX XXXX  steal money from my account with no know of mine and they are ignore me and closed the account one I reported the fraud instead of helping

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: TX

Complaint narrative:
Issue : Student loan servicing failure to process requests and refund credit balance I am filing this complaint regarding ongoing failures by MOHELA to process my requests despite repeated attempts over several years. 

First, my account reflects a credit balance of {$170.00} due to an overpayment. For over three years, I have requested that this amount either be refunded to me or applied to my other loans. I have made these requests through MOHELAs internal messaging system and by phone on multiple occasions. Despite these repeated requests, no action has been taken, and the credit remains unresolved. 

Second, I requested a change in my repayment plan from the Graduated Extended plan to the 25-year Extended Fixed plan, which has a consistent monthly payment. I have called MOHELA three times since XXXX and was told each time that the request would be processed. However, no changes have been made, and I have received no confirmation or explanation for the delay. 

MOHELAs failure to act on these requests despite repeated follow-ups has caused ongoing frustration and uncertainty regarding my loan repayment. 

I am requesting the following resolution : 1. Immediate issuance of the {$170.00} credit as a refund or application of the credit to my other loans, with written confirmation.

2. Immediate processing of my repayment plan change to the 25-year Extended Fixed plan, with written confirmation. 

I am requesting a prompt response and resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: MI

Complaint narrative:
I originally started with XXXX XXXX then was transferred to Navient. Once I was eligible to start repayment I could not afford the payment options and was forced into forbearance several times and of course accumulating interest. This also played a large role in me purchasing my first home as my debt to income ratio was poorly reflected. My identity was compromised many times as well. It was brought to my attention that several others who had Navient accounts were affected by identity theft. 

Out of fear of these loans affecting my credit further I paid the Navient loans off. I currently have more student loans through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Mercari, Inc.
State: MO

Complaint narrative:
I use Mercaris mobile/digital wallet to receive funds from completed sales. Between multiple transactions completed in XX/XX/year>, buyers successfully received and accepted their orders, and the sales were marked as completed. As a result, funds totaling {$2100.00} were credited to my Mercari balance.

After the sales were completed, Mercari restricted my account, citing a concern related to item authenticity. This restriction was applied after buyers had already accepted delivery and no disputes, returns, or chargebacks were filed. Since the restriction, I have been unable to withdraw my available balance or access my funds.

I contacted Mercari customer support and Trust & Safety to request clarification for the restriction and instructions on how to resolve the issue and withdraw my funds. I offered to provide proof of purchase and any verification required. Mercari did not provide a clear explanation or a path to resolution, and my balance remains unavailable. 

I am requesting assistance to obtain access to my {$2100.00} in funds that were earned from completed and accepted transactions and are currently being withheld without sufficient explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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
State: IA

Complaint narrative:
Three current issues occuring. 
XXXX ) dispute case, # XXXX XXXX XX/XX/XXXX for XXXX in unauthorized transaction, resolution date keeps being set, then passed and changed to yet another later day without any update or progress made in resolution of case. 
XXXX ) dispute case, # XXXX XXXX XX/XX/XXXX for XXXX in missing items transaction, resolution date keeps being set, then passed and changed to yet another later day without any update or progress made in resolution of case. 
XXXX ) Bitcoin transaction started XX/XX/XXXX at XXXX for {$20.00} USD, transaction number XXXX, had been told XXXX hours to send, with holiday I didn't call until XX/XX/XXXX at XXXX, however it still shows pending on my side stating needs to be accepted by receiver, receiver never got it and unable to accept it, blockchain is showing no record of any transaction. Called XXXX, XXXX XXXX wouldn't listen to me, refused supervisor transfer and told me it delayed as a result of congestion on blockchain, that XXXX hours changed to XXXX hrs out of nowhere. Hung up and called back to reach supervisor and spoke to reshma, stated no supervisor on staff at all, can't transfer to anymore and XXXX is just lost in system for 30 days when it gets credited back at that point. 

Constantly having issues with customer service doing less then bare minimum daily

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: BTH Management
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
Company Information : Company : Credit Systems International , Inc . 
Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX Account / Reference Number : XXXX Complaint Type : Debt collection / Credit reporting Your Complaint : I am submitting this complaint regarding illegal debt collection practices and potential credit reporting violations by XXXX XXXX XXXX XXXX XXXX related to an alleged utility debt from Alabama XXXX. 

Details : XXXX. I dispute the debt and have requested full validation under 15 U.S.C. 1692g ( b ) ( FDCPA ). The company continues collection efforts without providing documentation, in violation of federal law.

2. If reported to credit bureaus without verification, this constitutes a violation of FCRA 1681s-2 ( a ) and ( b ). 3. Alabama Power, as a regulated utility, must comply wit
h Alabama Admin. Code r. 770-X-2-.17 and Ala. Code 37-1-49 , including accurate billing, servic

e verification, and proper assignment documentation. Credit Systems has failed to provide these. 4. I request that CFPB investigate : Whether the company has lawful authority to collect this debt Whether they have violated the FDCPA or FCRA Whether they failed to comply with Alabama utility regulations 5. I request that the CFPB : Force cessation of collection until proper validation is provided Ensure any credit reporting is corrected or removed Investigate potential violations to prevent further unlawful collection

Company response to consumer: Closed with explanation