vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am filing a complaint against Midland Credit Management Inc regarding inaccurate and inconsistent credit reporting. This account, in the amount of {$790.00}, was placed for collection around XX/XX/year>, and is currently being reported as open and unpaid on my credit report. I have identified that this account is being reported inconsistently across credit reporting agencies. On one report, the original creditor is listed as XXXX XXXX Bank, while on another report, Midland Credit Management Inc is listed as the original creditor. This discrepancy indicates that the information being reported is inaccurate and unreliable. I have disputed this account and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I requested documentation including proof of the original creditor, a signed agreement, a complete account history, and proof of legal ownership of the debt. Despite this, Midland Credit Management Inc continues to report this account without correcting the inconsistent information or providing sufficient validation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information reported must be accurate and verifiable. Reporting inconsistent or unverifiable information is a violation of federal law. I am requesting that Midland Credit Management Inc : Provide proper validation of the debt, including accurate identification of the original creditor and supporting documentation, or Immediately delete this account from all credit reporting agencies if it can not be fully verified and reported accurately Additionally, I request that all collection activity cease until proper validation has been provided. This inaccurate and inconsistent reporting has negatively impacted my credit profile, and I am seeking correction or removal of this account in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
This is a follow-up complaint regarding unresolved IDR forgiveness processing. XXXX XXXX XXXX ( XXXX ) has already confirmed that I have 303 qualifying payments toward Income-Driven Repayment ( IDR ) forgiveness ( Case # XXXX ), exceeding the required 300 payments. I previously filed a complaint, and MOHELA responded with a generic explanation of IDR forgiveness but failed to address my specific situation or take any action. MOHELA did not : * Acknowledge the documented 303 qualifying payments * Confirm review of the XXXX determination * Provide a timeline for discharge * Indicate whether my account has been submitted for forgiveness processing I am not requesting general information. I am requesting action on a confirmed eligibility determination. I am requesting that MOHELA : 1. Confirm receipt and review of the XXXX determination 2. Confirm whether my account has been submitted to the Department of Education for discharge 3. Provide a timeline for IDR forgiveness processing 4. Process discharge and refund any overpayments This issue remains unresolved and continues to cause unnecessary delay

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: AZ

Complaint narrative:
I opened a checking account with e trade with a promo code that offered XXXX dollar bonus after doing two XXXX direct deposits within 90 days. I met the requirements but never received the bonus. When I called e trade they said they don't see the promo code. They said I would have received an email stating I would get this bonus after signing up. But no where is this mentioned on the website or in their terms and conditions regarding receiving this confirmation email. There was no way for me to know that. XXXX is the supervisor I spoke with. I met requirements for the bonus but e trade isn't honoring it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
The companys response confirms that they are unable to identify or verify the alleged account in question. Despite this, the account continues to be reported on my credit file. Under the Fair Credit Reporting Act, a furnisher is required to conduct a reasonable investigation and ensure the accuracy of the information being reported. If the company can not identify or verify the account, it should not be reporting it at all. Their request for additional information from me further demonstrates that they do not have sufficient records to validate the account. This is not compliant with their obligations under federal law. At this point, the continued reporting of an account that the company can not identify constitutes inaccurate and unverifiable reporting. I am requesting the immediate deletion of this account from all credit reporting agencies due to the companys inability to verify or substantiate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo place forced lender insurance because I did not receive a renewal notice or cancellation of from my insurance company. The lapse was notified by Well Fargo in XXXX or XXXX for the month of XXXX XXXX they did not have coverage in place in XXXX there were no claims. The amount is XXXX and which has driven my month note from XXXX to XXXX a month. I can not pay this plus the already paid premium. The amount is excessive and causing a financial hardship. They will not remove from my amount, the also took several thousands exceeding XXXX from my account without my permission. My bank did reverse the 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 explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject Hello, I am writing regarding my Capital One XXXX account ( credit limit {$7500.00} ) and a recent issue that led to its closure. I was placed on a 3-month payment plan to bring my account back into good standing. I successfully submitted a payment of {$210.00} toward that plan. However, the following day, my account was closed without any prior warning or notification. When I contacted customer service, I was informed that the closure was due to invalid funds related to a {$900.00} payment. I want to clearly state that I did not authorize any {$900.00} payment. I also do not have autopay enabled, and no one else has access to my account. I checked my account and saw that {$900.00} was withdrawn, but I never approved this transaction. When I asked for proof or authorization details for this charge, none were provided. Additionally, I was told that I could not continue with the payment plan because the account had been closed due to the bounced {$900.00} payment again, a payment I did not

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have tried to change my due date and the company gives me no assistance. Tried to defer payment, but they say no also. So I pay around 7 days past the due date, but every month they call multiple times a day around 15-20 in a 7 day period. Constantly even if I talk to them and ask them to stop calling. Ill even schedule payments and they still continuously call harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XX/XX/year> XXXX {$320.00} I don't recognize this account on my credit report collection/Chargeoff- Closed

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 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My vehicle loan account online is blocked and im not able to see it. I have a savings and vehicle loan account. Because my checking account was closed due to fraud, they wont give me access to my vehicle loan account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WILKINSON LAW FIRM, P.C.
State: MS

Complaint narrative:
Wilkinson Law Firm , P.C . XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is saying that I owe them {$10000.00} This debt does not belong to me. I proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Multiple collection accounts appear to be reported by TrueAccord regarding telecommunications debt. This may represent duplicate or fragmented reporting of the same obligation. I dispute the balances, account separation, and reporting accuracy. Please provide contracts, itemized billing statements, assignment records, and evidence each account is separate and valid. If unable to verify, remove all inaccurate entries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I am disputing a collection account of {$1500.00} related to a residential lease. My lease required XXXX notice. On XX/XX/year>, I submitted a written request asking the landlord to accept a XXXX notice. On XX/XX/year>, the landlord responded in writing : We have put you on notice per your request. This response directly acknowledged my XXXX request. I relied on this confirmation and vacated the unit on XX/XX/year>, returning possession and keys. No additional rent obligations were disclosed at that time. The landlord later charged additional rent and referred the account to collections. This debt is disputed and not valid due to the landlords written acknowledgment and my reliance on it. The landlord also previously offered a discounted settlement, indicating the amount is not fixed or undisputed. Additionally, I was not provided any prior written notice, phone call, or final communication indicating that this account would be referred to collections or reported to credit bureaus. I had requested further discussion with management, including a call from a XXXX, but did not receive any follow-up. This lack of communication deprived me of a reasonable opportunity to resolve the matter before it was escalated to collections and reported on my credit. I request removal of this account from my credit report and confirmation of a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Servicer under contract with Federal Student Aid
State: UT

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe School Closed before I had the chance to attend. The Department of Education took {$14000.00} of my taxes to pay for student loans and is refusing to refund my money as a result? I just keep getting told I have to wait another 60 days with no end in sight and nobody making a decision to rightfully refund the money that was stolen from me.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 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: CA

Complaint narrative:
I am disputing a charge of {$1000.00} that Bank of America failed to properly resolve. The purchase was made on XX/XX/XXXX. The merchant stated items would ship within XXXX business days, but on XX/XX/XXXX I was told it would take 10 days. On XX/XX/XXXX, the merchant admitted there was an error with my custom order. After multiple follow ups on XX/XX/XXXX and XX/XX/XXXX with no resolution, I requested cancellation on XX/XX/XXXX and filed a dispute with my bank. On XX/XX/XXXX, I received notice that the payment was canceled, but the same day the merchant suddenly marked the item as shipped. The shipping was upgraded to express delivery with signature required, which contradicts prior delays and appears to be an attempt to bypass my cancellation and dispute. I did not authorize shipment after cancellation. The merchant failed to meet the promised timeframe, admitted error, and shipped after cancellation. Bank of America denied or failed to properly resolve my dispute despite this documentation. I am requesting that this charge be permanently reversed

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 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I been victim of identity theft, during those years

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank of America 's handling of fraudulent ACH debit transactions and charges, and failure to comply with Regulation E. I disputed fraudulent transactions that posted to my checking account prior to its closure : {$2000.00} on XX/XX/year> and {$350.00} on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These transactions were not authorized. I am a victim of identity theft and can provide supporting documentation. See attached. Bank of America denied my fraud claim without providing a case number, written confirmation, or investigation timeline, and refused to clarify reimbursement procedures. I request that the bank immediately reopen and properly investigate this Regulation XXXX claim and issue reimbursement for the unauthorized transactions. Please confirm in writing once this matter is resolved.

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 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got a divorce and I couldnt pay it and the other car motor went out. Our transmission went out in the car. I got it from a car lot and they didnt put any insurance so I couldnt pay for it so thats why I was a repo and the other one I had flooded and I couldnt pay the rest of the balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MORGAN STANLEY & CO. LLC
State: AK

Complaint narrative:
XX/XX/year> - XX/XX/year> A checkbook is stolen from my mail and used to write XXXX fraudulent checks totaling {$5600.00}. XX/XX/year> - I report the fraud to E-trade. They tell me it should take about XXXX weeks to get the money back into my account XX/XX/year> - I file a police report XX/XX/year> - I pay to get an affidavit XX/XX/year> - {$870.00} recovered XX/XX/year> - {$420.00} recovered XX/XX/year> - Police find my checkbook in the possession of an individual in a stolen vehicle XX/XX/year> ( today ) - Still waiting for the remainder of my {$4300.00}. Little to no information is provided to me by E-trade. No provisional credits provided. No resolution date provided. No contact information for written correspondence provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 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: CA

Complaint narrative:
XXXX paid my XXXX Capital One credit card in full in XXXX. Then I called to close the account. I successfully closed the account and was warned about any more upcoming fees or charges. I was not notified until today. I got a notice of a late fee assessed on the closed account. I called because that was the first correspondence I had received and never received any notice about a balance due. They refused to remove both the interest as well as the late fee. I was never once late on a payment. And have an excellent XXXX XXXX. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: TX

Complaint narrative:
I am filing a complaint regarding my federal student loan servicer, Central Research , Inc. ( CRI ) On XX/XX/year>, I logged into my account and discovered that my monthly payment had increased from {$280.00} to {$370.00}. I currently have autopay enabled, and this higher amount is scheduled to be automatically withdrawn from my bank account within days. I did not receive any prior notification of this increase by email, mail, or account alert. I contacted the servicer via chat to ask why my payment increased. I was told that I am on a graduated repayment plan and that payments increase automatically every 24 months. While I understand that graduated plans can increase over time, this does not explain the lack of any advance notice. I then attempted to locate my full payment schedule on the servicers website. The system stated that my payment schedule is not available due to my loan not being redisclosed by the Department of Education. When I asked the servicer to provide my full payment schedule or future payment amounts, they stated they could not provide one and only gave a partial tier chart. They also stated that I would not receive notifications for these increases because they occur automatically under the repayment plan. As a result, I currently have no way to view my full payment schedule or confirm future payment increases, and my autopay amount changed significantly without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: WA

Complaint narrative:
I enrolled in National Debt Relief to help me settle my debt with several creditors on XX/XX/XXXX. I had been making biweekly payments into an account that they stated they would use in negotiating settlements with my creditors. I originally attempted to pay off XXXXXXXX XXXX XXXX XXXXXXXX account but could not keep up with the interest. I added my XXXX XXXX XXXX to the National Debt Relief program XX/XX/XXXX, which increased the amount I was paying into the holding account. On XX/XX/XXXX National Debt Relief presented me with a settlement offer for XXXX XXXX XXXX XXXX account for {$4600.00} against a total owed of {$8500.00} which I accepted. On the same day, they presented me with a consolidation loan from XXXX XXXX to consolidate debt from XXXX creditors. On XX/XX/XXXX National Debt Relief sent me another settlement offer for the XXXX XXXX XXXX account for {$4800.00} against a total owed of {$8700.00}. I was confused as to why I received an additional settlement offer since I had already accepted the first offer on XX/XX/XXXX. I called National Debt Relief to inquire about this and they stated that sometimes verbal offers from the creditor are rejected and arent binding. I insisted that they honor that I accepted the first offer but they insisted that we move forward with the next offer. Since National Debt Relief would not honor that I accepted the first offer they presented to me, and after receiving additional settlement offers for increasing amounts, I decided to remove the XXXX XXXX XXXXXXXX account from National Debt Reliefs services so I could negotiate directly with XXXX XXXX XXXX in XXXX of XXXX. After removing XXXX XXXX XXXX XXXX account from National Debt Reliefs services, I attempted to negotiate directly XXXX XXXX XXXX XXXXXXXX. However, each time I called them, they stated that they could not discuss an account that had a pending settlement offer. XXXX XXXX XXXX employees told me to wait until that offer was rejected and that maybe after it was I could discuss the account with them. So I continued to XXXXXXXX XXXX XXXX XXXX XXXX XXXXuire into the account. I got a notice that XXXX XXXX XXXX XXXXXXXX account had been sent to collections in XXXX of XXXX. I called National Debt Relief to inquire as to why I could not discuss the account XXXX XXXX XXXX XXXXXXXX and it was discovered that they failed to seXXXX XXXX XXXX XXXXXXXX a letter that would remove their Power of Attorney from the account. This letter was not sent until XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX has filed a lawsuit against me for the total amount of the account before it was closed for a total value of {$9200.00}.

Company response to consumer: Closed with explanation