vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: NV

Complaint narrative:
I was first reached out by the company credit control on XX/XX/XXXX by email saying I owed a debt, and they are reaching out trying to collect. I didn't see this email, so they sent a second email on XX/XX/XXXX. It wasn't until the XX/XX/XXXX that I saw both emails. I was planning to send them certified mail asking for debt validation etc. until I fully read their first email sent on XX/XX/XXXX. Here is they said in their first email for context. " How can you dispute the debt? Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may also include supporting documents. We accept disputes electronically at XXXX. What else can you do? Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection until we send you that information. We accept such requests electronically at XXXX " It says they accept debt validation requests at XXXX, which is the email they sent the debt payment requests from. On XX/XX/XXXX I wrote to the email they provided XXXX. I gave them my name and email, and explained they sent me an regrading a debt. I provided all the information they left in my email like reference number etc. After that I disputed and requested debt validation, below is what I said. " I am disputing the debt and requesting validation of the debt. I am requesting the following. Name and address of the original creditor. Documentation showing the chain of title. An itemized breakdown of the debt. Any other documentation related to debt. Thank you! '' I sent that to the email they provided, XXXX. I also checked out their website where they have a contact us page. On that page there is a form where you are able to write them. XXXX of the options on that form is to dispute a debt/debt validation. On XX/XX/XXXX I wrote and left the same request for debt validation on that form. It has been a week and since then I haven't gotten any emails or anything showing they own my debt. Yet they are still bothering me with calls Isn't it illegal they can't call me until they validate the debt? I am going to send certified mail in the next day or XXXX. Below is the information they left me to contact them, so you know which company I am speaking about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Hours of Operation ( CT ) : M - F XXXX. - XXXX. www.credit-control.com Reference # : XXXX Date : XX/XX/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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I made a payment agreement and paid all the debt, they promised that if I paid all of it they will remove the negative marks from my credit report and they were going to delete the debt from the company XXXX XXXX bank negative remarks on my credit report but they had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
My federal loans were forgiven through Mohela on XX/XX/XXXX. I am due a refund of {$560.00}. I originally called in XXXX of XXXX to see if I could find out why it hadnt been issued. I was told that they had 90 days to submit the refund to their internal refund department, who would then approve the refund to then be sent to the Department of Treasury to issue the check. When I asked why it hadnt been completed, I was told that they had 90 days not including weekends and government holidays so that my actual 90 days would be XX/XX/XXXX. Upon not receiving the check, I called again in XXXX to be transferred to a supervisor. The supervisor claimed she would escalate my case and file a complaint. I then submitted feedback in XXXX when I heard nothing again. Only to receive the letter that I have attached. I called back again on XX/XX/XXXX and again was sent to a supervisor who informed me she couldnt see a query pending for me. At this point, I am to assume that the case from XXXX was closed with no resolution. I requested that she not let me off the phone until something else was done and I needed to speak to her boss. I was told that wasnt an option and she had emailed and escalated the case once again. I called back on XX/XX/XXXX, to be told that there has been no movement on the XX/XX/XXXX complaint. I have called again on XX/XX/XXXX, to be told by another supervisor that there has been no movement and to call back in 10 days. Also noted, each supervisor has been a different person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
b'On XXXX XXXX XXXX, a XXXX charge appeared on my Apple Card from XXXX XXXX I did not authorize this transaction. I have never created an account, logged in, or used the service associated with this charge (XXXX XXXX XXXX XXXX immediately disputed the charge with Goldman Sachs (Apple Card). The dispute has been denied three times despite me providing documentation showing the charge was unauthorizedXXXX is a third-party payment processor and could not identify or verify the actual merchant. The merchant has not responded to any contact attempts.XXXX requested proof of authorization, including account records, login activity, IP address, or evidence of service usage. No such evidence has been provided.\n\nI also filed a police report with XXXX Police Department (submission XXXX XXXX XXXX XXXX).\n\nGoldman Sachs has not provided any documentation showing how this charge was determined to be authorized.\n\nI am requesting a full reversal of this unauthorized charge and an explanation of how the investigation was conducted without proof of authorization.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding their handling of a credit card billing dispute. I disputed a charge of {$1100.00} for junk removal services. The merchants published pricing clearly shows a full truck load is {$690.00}. I provided Wells Fargo with documentation including : Screenshots of the merchants published pricing Text messages showing the job was estimated at approximately half a truck The final invoice Messages showing inconsistent explanations of the load size Proof that no documentation ( such as photos of the truck ) was provided to justify the higher charge Despite this evidence, Wells Fargo denied my dispute. This is not a service quality issue. This is a billing issue involving a charge that materially exceeds the merchants own published pricing and lacks documentation supporting the amount charged. Additionally : The merchant initially charged based on 1 and 1/8 load Later claimed it was 1.5 loads after I requested proof Admitted no photos or documentation were taken to verify volume Wells Fargo failed to reasonably evaluate : The discrepancy between published pricing ( {$690.00} full load ) and the charged amount ( {$1100.00} ) The lack of documentation supporting the billing The inconsistent explanations provided by the merchant I am requesting a credit of {$450.00}, which represents the difference between the charged amount and the merchants published full-load pricing. Wells Fargos denial appears to rely solely on the fact that I agreed to the charge while the crew was onsite, without considering the surrounding circumstances or the lack of documentation supporting the amount. I am requesting that Wells Fargo conduct a proper investigation and issue the appropriate credit.

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent a {$5000.00} money transfer through MoneyGram to my brother. MoneyGram claims that the funds were successfully received on the recipients account. However, the recipient has confirmed that no funds were ever received, and there is no record of this transaction in his bank account. I contacted MoneyGram customer support and spent over 30 minutes on the phone. They stated that an investigation had been completed and concluded that the money was received, but they refused to provide any proof or documentation showing where, when, and how the funds were delivered. They also stated that the investigation results were sent to my email address, which I no longer have access to. Despite verifying my identity and providing all requested information, they refused to send the report to my updated email address. They opened a new investigation, but it has already been 21 days since the original transaction, and the {$5000.00} is still missing. I am requesting that MoneyGram provide clear proof of payout, including exact account details or pickup location, or return my funds immediately. If the funds were collected by an unauthorized party, I request a full investigation into potential fraud. Additionally, when I requested that the investigation results be sent to my updated email address, MoneyGram refused to update my email despite verifying my identity. Shortly after this request, my account was permanently closed. This action prevented me from accessing my account and any related documentation, including the investigation results. This raises serious concerns about transparency and my ability to access information regarding my own transaction. ( Case number is XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
I have paid a bill that went into collections due to a billing dispute. There is no debt. But Optimum Outcomes , Inc. is using random numbers local to my area, including those that appear to belong to deceased persons, to continually call my mobile number anyway. In less than one month alone ( business days ) I have received 43 calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal account was hacked for {$390.00}. PayPal credited the {$390.00} back to my account of which I withdrew and put back into my checking account. I disconnected my checking account for my PayPal to stop further instances from happening. PayPal informed me that they were investigating the hacking and would let me know of any result. No result was found and now I am being requested to pay back {$390.00} that I originally did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX reported a XXXX XXXX collection account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$580.00}, Date Opened XX/XX/XXXX ) to XXXX without ever making any prior contact with me whatsoever. I received no mail, no email, no text message, and no phone call from XXXX XXXX XXXX before this account appeared on my XXXX credit report which is a willful violation of 15 U.S.C. 1692g ( a ). I sent a written debt validation demand to XXXX XXXX XXXX on XX/XX/XXXX via certified mail requesting the original signed XXXX service agreement, complete payment history, proof of legal authority to collect in California, and proof that I was notified before reporting. As of XX/XX/XXXX, 27 days later XXXX has not responded or provided any validation whatsoever. Additionally the Date of First Delinquency and Date of Last Payment fields are both blank on this XXXX entry making the 7-year reporting clock completely unverifiable in violation of 15 U.S.C. 1681e ( b ). This account appears on XXXX only, XXXX and XXXX show no record indicating the information can not be consistently verified.

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 2026-04-01 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: UPGRADE, INC.
State: FL

Complaint narrative:
I had a zero Interest Loan with my XXXX company that uses upgrade as their loan provider. I was making regulary auto payments from my bank account which somehow stopped. I noticed because I received a notice for an overdue payment. I went to pay off the loan in full on XX/XX/year> and the online system would not allow me to do so. ( See attached Online error massage titled " upgrade payoff failure ''. I was at a very busy time in my life as I was in the process of resigning from my full time job and starting up XXXX Recruiting and Staffing Companies so I was not able to reach them during business hours. In XXXX I went online to pay the balance in full again after receiving another statement showing my final balance. I paid the final balance on the statement and then received a bill a month later for {$88.00} and change. I called to get this waived by XXXX and they refused to do so stating that the amount was principal balance?? They said what I paid from the statement was principal and interest and their was still principal balance remaining. I stated the problem I had in XXXX paying the full amount off online and that in XXXX I paid the full " Current Balance '' which I would assume would have been my full balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: SC

Complaint narrative:
From XXXX to XXXX of XXXX, Ive been reaching out to Westlake Financial for them to come get their property because the car did not run. They told me they would send me a form via mail to fill out so it wont be a repossession on my credit. This happened twice! I am now stuck with repossession on my credit and the credit union sending emails on a settlement. They have already sold the car but it requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: NV

Complaint narrative:
I am submitting a complaint against First Federal Credit Control for inaccurate credit reporting. For over a year, a debt has been reported on my credit report by this agency, even though the debt was paid in full with the original medical provider, XXXX XXXX. I have attached proof of payment from XXXX XXXX. Despite this payment, First Federal Credit Control has continued to report the debt, which is negatively impacting my credit score. I request that the CFPB investigate this issue and ensure that the debt is removed from my credit report immediately. I have attached all supporting documentation. I also would like to discuss financial compensation for the error this has caused. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
I cant transfer my funds the site keeps crashing and I have bills to pay mine you Ive bin a chime member for years now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WV

Complaint narrative:
When accessing the CHIME application it tells me Im not connected to the Internet, although the rest of my accounts are connected to the Internet, so I dont understand as to why its the only one that can not connect and does not have a balance I can not contact the company due to the fact that I can not reach them on the application

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage is asking for {$45.00} for an official payoff statement. On their portal, there are only 3 options for asking for this, all with extremely high fees for something that is auto-generated and available already. They are putting a letterhead on information I can pull myself and charging a very high junk fee for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I received 2 wire transfers as payment by a business partner ( one on XX/XX/year> and one on XX/XX/year> ). I attempted to wire transfer a large proportion of this combined amount to another account I have in a separate institution. The wire transfers was cancelled citing suspicious activity and my account was restricted. I now have no access to my funds. I have contacted SOFI bank a number of times and have received insufficient reasoning to either cancel the transfer or block the use of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: MD

Complaint narrative:
I am re-submitting this complaint because it was incorrectly routed to a bankruptcy administrator. My loan is currently held and serviced by Solar Servicing LLC ( a subsidiary of XXXX XXXX ). I am NOT seeking a claim against the bankrupt Mosaic estate ; I am asserting my consumer rights against the CURRENT holder of my note. Under the FTC Holder Rule ( 16 CFR Part 433 ), Solar Servicing LLC inherited the legal liability for the fraudulent misrepresentations made by the installer, XXXX XXXX XXXX, at the time of sale. I am disputing the validity of this loan due to documented fraud and predatory XXXX terms. I demand that Solar Servicing LLC stop deferring to bankruptcy administrators and address this as an active consumer dispute.

Company response to consumer: Closed with explanation