vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Refinanced with FCC XX/XX/XXXX Was told I should receive gap refund within 4 weeks. Contacted XXXX XXXX XXXX XXXX XX/XX/XXXX to seek information to no avail from PNC. Contacted PNC XXXXXX/XX/XXXX speaking to clueless workers who wont seek answers to my questions. I am owed {$1400.00} in gall refund or around that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I was trying to qualify to purchase a home as a recently single mother of two. and I realized that I had damages on my credit report according to the 15 U.S.C. 1681 Law there should not be any damages on my report as it is a defamation to my character. A debt collector contacted me regarding an alleged debt of {$10000.00} that I do not recognize as owing. I never provided written consent to furnish or obtain my personal information with any credit bureau or third party. Despite this, my information was reported to the credit bureaus without my authorization, in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681. I submitted a written debt validation request pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, demanding verification of the alleged debt, including the name of the original creditor, an itemized breakdown of the balance, a copy of the original signed agreement, proof of licensing to collect in my state, and the chain of ownership if the debt was sold or assigned. I also demanded that all collection activity and credit bureau reporting cease until the debt was properly validated. The company has failed to provide the requested validation and/or continued collection activity and credit reporting without my written consent. I am requesting that the CFPB investigate this matter and compel the company to remove this account from my credit report and cease all unlawful collection activity.

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 — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: LA

Complaint narrative:
Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) I am formally requesting that the debt collector immediately cease and desist all communication with me regarding the alleged debt referenced in this complaint, as permitted under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). Despite my request, the company has continued to contact me through [ calls/messages/letters ], which I believe is a violation of federal law. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the collector must stop all further contact except to advise that collection efforts are being terminated or that specific legal remedies may be pursued. I do not consent to any further communication from this company. Any additional contact beyond what is legally permitted will be documented and may result in further complaints and legal action. I am requesting that the CFPB ensure this company complies with federal law and ceases all communication with me immediately.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
I previously disputed this account and filed a CFPB complaint regarding duplicate reporting of the same utility debt. In response to that complaint, the company stated on XX/XX/year> that the account had been recalled by the original creditor and that they were no longer handling the account. However, after making that statement, the company mailed me another letter dated XX/XX/year> regarding the same account and balance of {$1000.00}. In that letter, they stated they had contacted XXXX XXXX XXXX XXXX and confirmed the charges. These statements are contradictory. If the account was recalled and the company is no longer handling it, they should not continue collection activity, send collection letters, or report the account to the credit bureaus. If they are still collecting, then their prior CFPB response was inaccurate. I am requesting full validation of this alleged debt. Please provide : - A complete itemized statement showing how the balance of {$1000.00} was calculated - The name of the original creditor - The original account number- The service address associated with the debt - Copies of billing statements- Documentation showing the date the account became delinquent - Documentation showing that your company currently owns the debt or has legal authority to collect it - Copies of any assignment, transfer, or placement agreements between the original creditor and your company - Documentation showing whether the account was recalled by the original creditor, as previously stated in your CFPB response- An explanation as to why your company stated in XX/XX/year> that it was no longer handling the account, but then mailed another collection letter in XX/XX/year> regarding the same balance Until this information is provided, I dispute the validity of the debt and request that all collection activity and credit reporting cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I took a loan out in XXXX and I paid it. It is showing that I did not pay. For some reason it is reporting twice. There is no available business or phone number to confirm if this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
During debt collection efforts Shepherd Outsourcing LLC and/or XXXX XXXX XXXX transmitted debt collection communications not only to me, but also to third parties including my son and his wife. My sons wife has no connection whatsoever to the alleged debt. There have been many of these communications via multiple methods. These communications included payment demands and/or links and clearly disclosed the existence of a debt. Such conduct constitutes unlawful third party communication and disclosure of debt in violation of the Fair Debt Collection Practices Act ( FDCPA ), including U.S.C. 1692c ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello my name is XXXX XXXX, I received a letter from Wells Fargo that said there was a fraud possibility and that I had to go a branch of Wells Fargo, they canceled my debit card ( which I only use for gas ). and then they said they would send me a new one. But I never received the new one, and then on XX/XX/year> I found out that it was stolen and being used. On XX/XX/year> when I checked my checking account, there were charges on the account that I did not make. I called the XXXX XXXX number for Wells Fargo and reported the charges I did not make to them. The lady on the other end responded to me and said that they would watch the account and not to worry. The next day, on XX/XX/year> I saw more fraudulent charges that I did not make and again called the XXXX number for Wells Fargo and a man answered and helped me, he asked for my information to help and he said everything will be okay but the debit card was no good anymore ( the fraudulent one that someone was using ) and he would send me another one. He said he would cancel the card but later I found out that there were more charges on that card on my account and the charges lasted until the XX/XX/year> totaling {$2500.00} of fraudulent charges. I never authorized that card and never went to any of the stores or websites where the card was being used. So, I reported all this to Wells Fargo and a banker in the branch sent a letter on my behalf explaining the fraud situation. Wells Fargo took two months to respond to my claim of fraud but denied my claim and said there was nothing that they could to refund the money on their part. We proceeded to call them again explaining how my credit history show 's no sign of going to the stores that were charged or the volume ( high risk spending ) made by those two weeks of fraud charges. But they denied our request to appeal the decision and we have proceeded to file a complaint with the consumer federal protection bureau.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
Hello! I have been a user of Sofi bank for 3 years now. Recently Ive noticed a lot of XXXX charges from XXXX and I live in XXXX. Ive sent them proof and they wont replace the money. And wants nothing to do with it. Im lost on what to do.

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: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, my Cash App account, which receives my direct deposit, was taken over without my authorization. My email and phone number were changed and {$750.00} was transferred out of my account without my consent. I reported this immediately. Cash App later sent me an email stating the activity was unauthorized and that a {$750.00} refund was issued. However, I was then told this email was sent in error and the refund would not be provided. Cash App has now refused further action and closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding an alleged debt of {$4400.00} that is currently being reported and/or collected. I do not recognize this debt and have no knowledge of ever owing this account. XXXX XXXX has attempted to collect on this account ; however, they have failed to provide adequate validation of the debt. I have not received documentation identifying the original creditor, a complete and accurate account history, or any signed agreement showing that I am legally responsible for this debt. Additionally, the amount being reported is unclear and has not been properly verified. Reporting or attempting to collect on a debt without proper validation is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite the lack of validation, this account is being reported and/or pursued, which is negatively impacting my credit. I am requesting that XXXX XXXX : XXXX. Provide full and proper validation of this alleged debt, including all required documentation, or XXXX. Immediately cease all collection activity and permanently remove this account from all credit reporting agencies. If XXXX XXXX is unable to provide sufficient proof, they must delete this account and stop all communication regarding this matter. I am also requesting that all future communication be conducted in writing only. I appreciate your assistance in resolving this matter and ensuring my consumer rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
Account reported delinquent but servicer inaccessible due to system migration. Unable to access account or make payments despite multiple attempts. Calls keep dropping. Upon further investigation, MANY people are unable to access their accounts and can not pay and are taking credit score hits. My score dropped XXXX points because I physically have no way to pay.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
My old vehicle Genesis XXXX was repossessed in XX/XX/year> for not being able to afford the payments any longer and it appears that the account shows closed on my credit report in XXXX XXXX. I would like to have it disputed as soon as possible since I no longer have the vehicle in my possession.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TX

Complaint narrative:
For past XXXX days XXXX XXXX XXXX I have been trying to get money out of a cash app account. Still no money and no help from cash app They told me to find a family member to send it to instead of linking bank account.. But they get a portion when you send money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: MA

Complaint narrative:
Venmo issued a refund on XX/XX/year> to a closed debit card. Neither I nor my bank XXXX XXXX XXXX XXXX ) have any record of receiving these funds. XXXX has failed to provide an XXXX XXXX XXXX ( XXXX ), settlement record, or any trace documentation for the transaction despite multiple requests. My case was escalated, and I was told I would receive a response within 710 business days, but weeks have passed with no follow-up. This is an unresolved electronic funds transfer, and I am requesting a full trace of the transaction and documentation of where the funds were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TN

Complaint narrative:
Complaint : I submitted a hardship request to Sallie Mae seeking assistance due to my financial situation. I did not receive any meaningful response or resolution. Despite this, Sallie Mae has continued aggressive collection activity, including : Repeated and unscheduled calls Contacting my daughter and an elderly family member Placing pressure on co-signers instead of working with me directly Failing to coordinate communication despite my attempts to engage My daughter is currently dealing with health issues, and my elderly family member suffers from XXXX. These contacts are inappropriate and distressing. Additionally, I have attempted to contact Sallie Mae directly, including calls on XX/XX/XXXX and XX/XX/XXXX, where I was either unable to reach a representative or placed on hold for extended periods. I am requesting : Immediate review and response to my hardship request Structured and scheduled communication only Cessation of excessive and uncoordinated collection activity Appropriate handling of communication with vulnerable individuals This situation requires immediate attention. Please confirm receipt and compliance. Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a complete identity theft report and request for block pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to Equifax via certified mail, which was received and confirmed. My submission included all required documentation, including : A valid Identity Theft Report Proof of identity Identification of specific fraudulent accounts A clear request to block all information resulting from identity theft The accounts identified in my submission included multiple tradelines that are currently reporting as charge-offs and/or closed accounts, which I did not open and which were explicitly listed in my identity theft packet. Under FCRA 605B, Equifax is required to block the reporting of all information resulting from identity theft within 4 business days of receipt of a valid request. While Equifax removed certain collection accounts, it failed to block all accounts identified in my submission. Specifically, Equifax continues to report accounts that were included in my identity theft report, now appearing as charge-offs and/or closed accounts. Reclassifying or continuing to report these accounts under a different status does not satisfy the statutory requirement to block such information. These accounts should not appear on my credit file in any form. Equifax has not provided a legally sufficient explanation for its failure to block these accounts, nor has it identified any valid exception under FCRA 605B that would justify continued reporting. This constitutes : Failure to block information resulting from identity theft as required by law Continued reporting of fraudulent information Noncompliance with FCRA 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM Financial is reporting an auto loan on my credit report, and I also believe my personal information was shared with other companies without my authorization or consent. I did not agree to my information being used, accessed, or disclosed for purposes beyond what I authorized. I discovered this issue in XX/XX/year> when I reviewed my credit report. The account is reported as charged off with a past due amount of about {$2900.00}. I am requesting that GM Financial investigate how my information was used and shared, and remove any fraudulent or unauthorized information connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Servicer issued a non-substantive response and failed to comply with RESPA investigation requirements.

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 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: PA

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. Please Remove/Delete the following Items. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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