vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
Debt added to collections from The CBE group for {$650.00}. Called the CBE group and they informed me that the debt is from XXXX XXXX  accounts number XXXX open in XXXX. I have been a XXXX resident my ENTIRE life and have never even been near XXXX  nor do I know anyone who lives there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Debt was reported to my credit and I do not owe or am I responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

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 ) XXXX, 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 XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I had applied for a loan modification in XXXX of XXXX  with XXXX after getting a job. After accepting the XXXX and signing an attestation form. I was laid XXXX  again on XX/XX/year>. I contacted the company as soon as I advised I was unemployed. A rep advised I call back in XXXX. When I called back I was told by another rep that they had no assistance for me and that my only option is a short sale and deed in lieu. I called back when I got another job and was offered another mod which they later denied and also an appeal which I was not provided any written response to and had to call in but was told the denial stands and that my only option despite my explaining I am currently employed again was liquidation. According to the reps signing the attestation form made me ineligible for further assistance although the language was not definitive in saying they can not help it said may or may not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
This debt does not belong to me. I do not owe this debt. This company is trying to collect a debt I do not owe nor have I ever done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I am disputing a debt reported by Monterey Collection Services related to a vacation membership sold to me during a high-pressure sales presentation in Hawaii. 

I was promised access to discounted travel and hotel services that would provide significant savings. After returning home, the services provided did not match what was represented during the sale and were not valuable or usable as promised. Attempts to cancel or resolve the issue were unsuccessful. 

I recently discovered this account in collections and believe the underlying transaction involved misrepresentation and deceptive sales practices. 

I am requesting validation of the debt and asking that collection activity cease until proper documentation is provided. I also request investigation into the legitimacy of this debt and the practices used in connection with this vacation program. 

I am doing this for the co-applicant, XXXX XXXX XXXX ( daughter ), as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: AL

Complaint narrative:
I had medical insurance and it should have been covered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Makes Cents, Inc. dba Advance.Cash
State: KY

Complaint narrative:
In XX/XX/XXXX, an installment loan in the amount of {$2500.00} was opened in my name with Advance.Cash without my knowledge, consent, or authorization. 

I did not apply for this loan, did not receive any loan proceeds, and did not authorize anyone to open this account on my behalf. 

After discovering the account, I contacted Advance.Cash and spoke with a customer service representative named XXXX. I was informed that the loan had been written off. Despite this representation, I later received notification from a third-party debt collector, XXXX XXXX XXXX , stating that I still owed {$1300.00} on the account. 

Upon receiving that notice, I immediately disputed the debt in writing because there were multiple red flags indicating identity theft, including : The funds were allegedly deposited into a XXXX XXXX account that is not mine. I do not own a XXXX XXXX bank account. 

An email address belonging to my wife was used without authorization. 

The address associated with the loan is incorrect. 

I filed an FTC Identity Theft Report and have filed a police report for documentation purposes. ( FTC # and police report case # is included in the attachments ) I contacted Advance.Cash in writing requesting confirmation that : The account is marked as fraudulent, I have no liability, The account will not be sold, reassigned, or reported to any credit bureau. 

As of XX/XX/XXXX, I have not received written confirmation from Advance.Cash. 

XXXX XXXX XXXXXXXX has since notified me that they have closed their file due to fraudulent claims and forwarded the matter back to Advance.Cash. However, I have not received confirmation from the original creditor that this matter has been permanently resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
XX/XX/XXXX - Called collector to inquire about debt, inquire to why it keeps increasing, as well as to ask for a settlement. The collector claimed there is no offer for settlement, and would not answer my questions on what their policies are on interest or how much it accures, as well as would not answer XXXX  question when I pointed out that my account closed in XX/XX/XXXX, and they claim it opened XX/XX/XXXX, could not explain to me why the balance went from {$6400.00} to {$8000.00}, after arguing with the creditor the person claimed they were suing me and already had open judgment to garnish my paychecks though I have no notification of such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding a XXXX late payment reported on my Citibank credit card account. 

At the time, the account was displayed as " Account Closed '' in the Citi mobile app, and there was no clear indication that any balance remained due or that any payment was required. 

Based on how the account appeared in the app, I reasonably believed the account had been fully settled and that no further action was needed. 

I did receive an automated call from Citi, but I believed it was unrelated or potentially spam because the Citi mobile app showed the account as closed and the call did not make it clear which account it was referencing which confused me as I also had another open Citibank account in good standing. The app display reinforced my understanding that everything was current, and there was no clear indication that a balance remained due. 

I only became aware of the remaining balance of approximately {$200.00} after noticing a significant drop in my XXXX XXXX due to the reported late payment. As soon as I became aware of the balance, I immediately paid it in full the same day. 

I take my financial responsibilities seriously and have otherwise maintained a strong payment history. This appears to have been an honest misunderstanding caused by how the account status was displayed in the Citi app. I contacted Citibank and requested consideration of a goodwill adjustment, but I have not received a satisfactory resolution. 

I respectfully request that Citibank review this situation and consider removing the late payment given the circumstances and my prompt repayment upon discovery. 

I have attached a screenshot from the Citi mobile app showing the account displayed as closed, which reflects how the account appeared at the time and supports my understanding that no payment was due.

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 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My Venmo account was hacked and I am trying to close the account with them. I have contacted Venmo about XXXX times and they continue to give me a hard time about closing my account. The hacker put my account in the negative and because of that Venmo will not close my account. My bank has frozen any transactions from Venmo but I just want the account closed and they have not done that, yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Re : Formal Complaint Against Shellpoint Mortgage Servicing ( NewRez LLC ) Unauthorized Forbearance Reporting and Failure to Correct Credit Reporting To Whom It May Concern : I am filing this formal complaint against Shellpoint Mortgage Servicing ( NewRez LLC ) for inaccurately reporting my mortgage account as being in forbearance for a three-month period when I never requested, authorized, or agreed to any such forbearance. 
The facts are as follows : I contacted Shellpoint solely to request mortgage assistance information. 
At no time did I sign, verbally agree to, or otherwise authorize placement into a forbearance program. 
I continued making my mortgage payments as scheduled. 
Without my consent, Shellpoint internally coded my loan as being in forbearance. 
They then reported this status to the credit reporting agencies. 
When I disputed this directly with Shellpoint, they refused to validate how or when I allegedly agreed to forbearance. They have stated they did nothing wrong and have refused to correct the reporting. 
This reporting is inaccurate and damaging. It constitutes : 1. A violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) for failure to accurately report and properly investigate disputed information. 
2. A potential violation of RESPA Regulation X for improper servicing practices.

3. Possible deceptive servicing practices by placing borrowers into hardship programs without clear authorization. 

I respectfully request the CFPBs intervention to require immediate correction and ensure compliance with federal law. 
I have prepared and provided payment records, correspondence and other documentation about how they broke the law, how they violated my rights under the FCRA and other documents to support they did not follow their own procedures as well as the procedures XXXX XXXX has in place for the loans they own. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX 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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Validation of Debt Request - PORTFOLIO - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Hello, I am the owner of an XXXX XXXX XXXX I purchased a vehicle from XXXX on XX/XX/year>, in the amount of {$10000.00} that was paid electronically from my checking 's account with Wells Fargo which is my primary bank to make transactions with XXXX. Unfortunately, the payment did not process so XXXX wasn't able to receive the payment on their end and asked me to send a new payment the next day, and on the next day my payment had increased because XXXX charges a storage fee for keeping the vehicle any extra days. By this point my new amount was {$11000.00} on XX/XX/year>, so I proceeded to send this new payment to XXXX. But on XX/XX/year>, when I checked my account, I had XXXX transactions that had process at once, so I called XXXX right away and asked about why they had charged me twice. XXXX answered me right away and gave me a letter to fax to Wells Fargo and show them the transactions numbers and the total amount that XXXX did not receive. After faxing and emailing Wells Fargo on XX/XX/year>, I received the {$11000.00} back into my account. After receiving the money back under a dispute between XXXX and Wells Fargo, XXXX went on to freeze my account due to them losing a dispute of the money between Well Fargo. In order for me to get my account back with XXXX, they requested me to pay the {$11000.00} in a cashier 's check form on XX/XX/year>, that way they can return the money and receive the {$10000.00} back into my account which was the initial payment. And on XX/XX/year>, I received the {$10000.00} back from XXXX into my well Fargo account and up to this point everything was handled and taken care of. But on XX/XX/year>, I noticed that wells Fargo had taken out {$10000.00} from checking 's account, I immediately called Wells Fargo to get an explanation on why this money was removed from account and they told me that they had taken that money out because they reviewed their statements and noticed that XXXX had returned the money back to my account, I explained time and time again to Wells Fargo that the money that was returned to my account was part of an agreement I had made with XXXX to get my account with XXXX back and running to continue with my business. XXXX XXXX asked me to send proof of this said agreement between myself and XXXX, I sent over all the proofs I had between emails, cashier 's check and the letter I received from administrative at XXXX. I've done multiple phone calls with Wells Fargo to get this {$10000.00} back and in one of those phone calls I was told by a very angry customer service lady telling me that after 4 months, I'm no longer able to get my money back. I've continued to call and try to get the right answer, but I've haven't had any luck with anyone from Wells Fargo to help me resolve this matter.

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I use XXXX XXXX  to purchase a new phone after contacting the person for a few days and sending over money to not only get the phone shipped to me. They sent me fake verification information verifying that the phone has been shipped and after I sent {$300.00} to them in total, it was XXXX they are now not contacting me and saying that the money was never sent in the first place please help me my XXXX. I am a XXXX girl and I dont make that much money in my money is very important to me and I have just been scammed and I really need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

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 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
I am filing a complaint regarding CreditFreshs failure to properly disclose dailyaccruing charges, inconsistent payment demands, and misleading statements made at the time I opened the account. 
My balance is increasing daily, which indicates that a dailyaccruing fee or interestequivalent charge is being applied. I requested that the company show me where in the signed agreement any daily interest rate, daily fee, or daily accrual method is disclosed, and the company was unable to locate or provide this information. 
When I opened the loan, the representative stated multiple times that no interest would accrue and that my payments were fixed based on the principal amount. This is inconsistent with the current behavior of the account. 
The agreement states that my monthly charge would be no more than {$280.00}, but the company is now demanding {$310.00}, which exceeds the maximum disclosed payment amount. 
Under the Truth in Lending Act ( TILA ) and Regulation Z, lenders are required to clearly disclose all finance charges, including any charges that accrue daily, as well as the method used to compute the balance and the consumers payment obligations. CreditFresh has not provided any disclosure showing a dailyaccruing charge, despite the balance increasing daily and payments exceeding the disclosed maximum.

I am requesting CFPB review of CreditFreshs disclosures, fee practices, and payment calculations, as well as correction of any improperly applied charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I had gotten a scam through message of some sort saying in order to access my paycheck, I needed to do a few things. Eventually it got to the point of asking for bitcoin and after said actions, the money was transferred to CashApp and then taken from me. I requested for support but they are giving us the it will be done in 10 days. As this is a pressing matter, it needs to be done sooner. The money was stolen simple and flat. We reqeusted information through cashapp, but got nowhere. That was our response, Our bank in order to do anything with the transaction, needs to cancel the transaction but with a response from the cashapp team to do so. I expect prompt service to this through cashapp, and non compliance, will be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: TN

Complaint narrative:
I am receiving a debt collection notice via my email from Global Lending Services. I have not signed up for anything with them. My car loan is through XXXX XXXX and that is the only debt I have. I have never missed a payment either.

Company response to consumer: Closed with explanation