vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Maury Cobb, Attorney at Law, LLC
State: MS

Complaint narrative:
I received a call from an individual identifying himself as XXXX, who stated he was calling on behalf of an ambulance company regarding a debt of approximately {$1800.00}. When I asked whether a written validation of the debt had been sent to me, he immediately became defensive. I explained that I have 14 years of experience working in collections and that I am aware of my rights under debt collection laws. I informed him that if the debt had been sold or placed with their company, I was entitled to receive a statement or written validation of the debt by mail. At that point, he began raising his voice and speaking in a disrespectful manner. He stated, Man, aint nobody buy no debt, and you aint have no plans on paying this or you would have. He then threatened to hang up on me. I calmly explained that I was simply requesting proof of the debt, but he continued talking over me and yelling, making it impossible to have a constructive conversation. I asked whether their calls were recorded, and he confirmed that they were. I then asked to speak with a manager, and he stated he would put in a request. However, due to his continued yelling and refusal to allow me to speak, I ultimately ended the call. The interaction was unprofessional and hostile, and I believe it may constitute harassment or abusive behavior during a debt collection call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: NJ

Complaint narrative:
I received an email from a company called January with regard to collecting a debt. The account in question wasn't opened by me, rather it was opened by someone who found my personal documents. I notified XXXX Bank ( the original creditor ) of this matter, but they are dragging their feet during the investigation. Now that the debt has been transferred, I'm trying to notify January of this very important matter. Enclosed is a copy of the original Identity Theft report that contains all of the accounts in question. You'll see XXXX Bank listed as one of them. I appreciate you for reaching out to me. Hopefully, we can now get this matter solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I went to Walmart and paid my bill online on XXXX XXXX at XXXX the bill wasn't due until XXXX at XXXX capital one tried to say I didn't pay my bill until XXXX I have a receipt showing it was paid online at XXXX at XXXX I called Capital One and asked why I was charged interest or late fee I told them I'm a XXXX citizen with severe hearing problem and I can't understand his XXXX accent and could he gete a supervisor or someone that specks better XXXX he refused I then asked if I could get a email address or a way I could send a copy of my receipt he wouldn't answer. {$4.00} was due on XXXX so to avoid more interest or a fight I decided to use my cash rewards to pay the interest which I shouldn't have to use my rewards for late fees I had other plans for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I am submitting this complaint regarding XXXX and its servicing of my federal student loans. XXXX served as my loan servicer from XX/XX/XXXX through XX/XX/XXXX, an exceptionally long period of time during which I relied on them to provide accurate guidance and responsible loan servicing. During these years, I experienced servicing practices that I now believe were improper, misleading, and financially harmful. Whenever I contacted XXXX because I was experiencing difficulty making my payments, I was repeatedly steered into forbearance rather than being informed of or assisted with enrolling in more sustainable repayment options. At no point was I meaningfully counseled about income-driven repayment ( IDR ) plans, despite the fact that these plans are specifically designed to help borrowers experiencing financial hardship. Instead, XXXX routinely placed my loans into forbearance, allowing interest to continue accruing and causing my loan balance to grow significantly over time. As a borrower, I relied on XXXX expertise as my loan servicer to provide accurate information about all available repayment options. By repeatedly directing me into forbearance rather than properly explaining or assisting me with income-driven repayment plans, XXXX failed to act in my best interest and failed to fulfill its responsibility to properly service my loans. Public information regarding the enforcement action CFPB v. XXXX indicates that the Consumer Financial Protection Bureau alleged XXXX engaged in widespread practices of steering borrowers into costly forbearances instead of advising them about income-driven repayment options that could have reduced their monthly payments and limited interest accumulation. My experience mirrors the conduct described in those allegations. Because of these actions, my loan balance increased substantially due to unnecessary interest accumulation during repeated periods of forbearance. Had XXXX properly informed me of income-driven repayment plans and assisted me in enrolling in them during the time they serviced my loans, I likely could have avoided significant financial harm. Given that XXXX serviced my loans for over XXXX years, from XX/XX/XXXXXXXX through XX/XX/XXXX, I believe their failure to provide proper guidance had a serious and long-term financial impact. I respectfully request that the Consumer Financial Protection Bureau review and investigate XXXX servicing of my loans during this entire period. I am seeking appropriate financial relief, including compensation or adjustment for the excessive interest that accrued as a result of being repeatedly placed into forbearance rather than being properly informed about and enrolled in income-driven repayment plans. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am disputing a XXXX transaction under Regulation E. Chase has failed to investigate a case of Fraudulent Inducement. The recipient used a 'mule account ' to solicit funds for an international flight from justice. The recipient is a wanted murder suspect ( XXXX XXXX XXXX # XXXX ) who has fled the country. Chase is effectively allowing its platform to be used for the laundering of funds for a violent fugitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
The collections for Concora call me half a dozen plus times a day. Back to back, non-stop, from different numbers. All day every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: LA

Complaint narrative:
We believe we were misled and deceived by a solar sales representative who stated he had a personal connection to, and exclusively used, GoodLeap for solar financing. During the sales process, the representative explicitly told us that, based on the number of solar panels we would receive, our system would fully offset our electric usage and eliminate our electric bill entirely. That representation was false. After installation, our electric bill did not go away. Instead, we have only seen a minimal reduction of approximately {$11.00} {$18.00} per month. We are now paying over {$100.00} per month for electricity in addition to a XXXX XXXX monthly solar loan payment. The solar financing agreement through GoodLeap was for {$38000.00} at an APR of 4.99 % for 25 years. We have made every payment on time since 2024 and have never missed a payment. Despite this, after more than two years of payments, our current loan balance has increased to approximately {$38000.00}, which is higher than the original financed amount. This is entirely inconsistent with how the loan was presented to us and was never adequately explained. The sales representative was extremely pushy during the signing process and verbally explained the GoodLeap agreement while my husband was rushed through clicking acceptance buttons. We were not given a meaningful opportunity to review or understand the full financial implications of what we were signing. Additionally, the solar panels have not been reporting or generating power for over a year, resulting in no real savings at all during that period. Even when they were operational, the savings were negligible and nowhere near what was promised. Paying {$230.00} per month for solar panels that do not function properlywhile still receiving high electric billsis an extreme financial burden. We have since learned that multiple other consumers have experienced the same misleading sales practices related to this solar provider and GoodLeap financing. We believe these actions constitute deceptive and unfair practices. We are requesting assistance in investigating this matter, holding the responsible parties accountable, and obtaining relief including restitution. We also want to prevent other consumers from experiencing the same financial harm and distress that we continue to endure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
XXXX converted my retail account to a business account and confirmed the balance was {$0.00} at conversion. They immediately closed my retail account, removing my ability to monitor or pay it. Approximately XXXX months later, a {$370.00} balance was sent to collections and reported to the credit bureaus. When I called XXXX, retail said they couldn't access the closed account and business said they had no visibility into it. I was told my only option was to physically visit a store. XXXX acknowledged their error with a {$300.00} credit on my business account, but the collection was still reported to the credit bureaus despite being caused entirely by their account conversion process. I am an active XXXX XXXX customer in good standing. I am requesting full deletion of this collection from XXXX credit bureau reports and written confirmation of a {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I did not receive a title for my car after paying off the loan at Wells Fargo. They said it was sent to the wrong address. They said they would sent documetation I could use at the XXXX to obtain the title. I waited XXXX weeks and it did not arrive. They said it was sent. I waited XXXX more weeks and it did not arrive. I can not speak with anyone on being placed on hold for over an hour every time I call

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am responding to your recent contact regarding an alleged debt. Under the Fair Debt Collection Practices Act, I am requesting validation of this debt. Please provide the following : The name and address of the original creditor The amount of the alleged debt, including any fees or interest Copies of any documents showing I agreed to or am responsible for this debt Proof that your agency is authorized to collect this debt Until this information is provided, I request that all collection activities cease. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2026-03-11 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: LA

Complaint narrative:
Ok one day I was going to use my cash app and I seen the information pending on XXXX for al cash app pay or whatever that is I immediately tried to cancel the transaction or say I didn't recognize the transaction but they told be I couldn't cancel the transaction until it settled I even tried to contact the merchant I couldn't get in touch with no one until it's settled so soon as it got settled I file a dispute on it yes I recently filed an dispute with the same explanation cause I don't know howy information is study getting exposed and I know my kids be having my phone unless somebody done got my information and used my card information that I didn't approve of I would dare tke the investigation this far if I knew that I had used my information on some website or gave someone permission to use my information XXXX $ just to give up to some merchant I'm not familiar with no I can't afford that on my cash it being declined several of times so why all of a sudden that day I will accept it they waited until my card was unlocked and I had enough funds on there to take it when I first realized the charge I tried to stop it immediately you all can look back on the chat session

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: EdFinancial Services
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, XXXX U.S.C. XXXX Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been trying to use my Amex XXXX XXXX for weeks with XXXX XXXX and I keep having customer service issues. Since the increase in annual fee to {$890.00} the service level has dropped significantly. Amex now has low rank screeners that can not do anything except message another internal group. This process takes hours and there is never a resolution just a run around. I requested compensation as they are holding my Membership Rewards XXXX and leverage to force my hand to do nothing but accept this terrible level of service. XXXX compensation and XXXX annual fee credit for not being able to use my card where I get XXXX purchases. I have already had to redirect $ XXXX in spend so XXXX membership reward points where I have paid the annual fee and can not use the card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
XXXX XXXX was my mortgage company who merged with Rocket Mortgage. In 2025, my escrow % was wrong. XXXX XXXX assesors office sent me a refund after they were overpaid. I reached out and provided this info along with the paperwork to them on XX/XX/XXXX via email and talked to them over the phone. They did not update the escrow amount, so I requested Rocket mortgage do an escrow analysis in early XXXX to get this corrected. They did not follow through, as my mortgage was {$1000.00} above what it should be. I then sent an email and certified mail with information from XXXX XXXX assesors office to them in XXXX and no one has responded. I've tried calling, with hold times longer than XXXX hours and haven't been able to reach anyone. I've been paying a high mortgage that I do not owe and can't get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I lived in this apartment community for approximately XXXX years and maintained an excellent payment history during that time. I never missed a rent payment and was never late. I was always a responsible tenant and had no issues with management or other residents. However, during the final period of my tenancy, a new tenant moved into the unit directly above mine. This individual created an extremely unsafe and disturbing living situation. I began experiencing ongoing incidents that made me feel threatened and unsafe in my own home. I reported these issues multiple times to the apartment management office, as well as to the corporate office. I also contacted the police department to report the situation. Despite my repeated complaints and documentation of the incidents, the property management company failed to take appropriate action to address the situation or protect my safety as a tenant. As a result, I felt I had no reasonable option other than to move out in order to protect my personal safety and well-being. Leaving the apartment was not a decision I took lightly, especially after being a long-term tenant with a perfect payment history. After I moved, the apartment management company reported the lease as a default on my credit report. I believe this reporting is unfair and inaccurate given the circumstances that forced me to leave. I did not abandon the lease irresponsibly ; I left due to legitimate safety concerns that were reported to management and law enforcement. I have attempted to dispute this matter directly with the credit bureaus and have submitted documentation, but my disputes have repeatedly been denied without what I believe to be a full and fair investigation. This negative item is now harming my ability to obtain housing, even though I was a responsible tenant for many years and only left because I feared for my safety. I respectfully request that this matter be investigated thoroughly and that the credit reporting related to this lease be corrected or removed from my credit file.

Company response to consumer: Untimely response