vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland credit management tried contacting me about a collection I had and I told them to stop contacting me and theyre still contacting me via mail. I have the letter right here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> To Whom It May Concern, On XX/XX/year>, I formally requested that you investigate certain accounts that I believe are not being reported with complete accuracy. To date, I have not received any written confirmation that these accounts are under investigation, nor have I received a substantive response addressing my dispute. 
In my prior correspondence, I clearly outlined the basis for my dispute. For your convenience, I have enclosed that information again and respectfully request a written response within a reasonable timeframe, as required by law. 
As this is my second request, I am forwarding a copy of this correspondence to the Federal Trade Commission to document that I have proof of delivery of my prior notice and that no response or confirmation of compliance has been received. 
I regret that it has become necessary to formally exercise my rights under applicable law. Please review the reasons for my dispute, provided below, and respond accordingly in writing. 

I demand that the following accounts be removed immediately. 
1. This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. You have violated law 15 U.S.C. Sec. 1681i ( a ) for a CRA to conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is inaccurate. 

XXXX XXXX  Account : XXXX Please remove it from my credit report XXXX. Account never legally investigated, your reporting false information XXXX XXXX  Account Number : XXXX Please remove it from my credit report Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: CO

Complaint narrative:
am filing this complaint against Portfolio Recovery Associates , LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Portfolio Recovery Associates is reporting a collection account on my XXXX credit report ( Account XXXX. XXXX ) allegedly originating from XXXX XXXX XXXX XXXXXXXX. I dispute the accuracy, ownership, and enforceability of this account. 
Despite filing a formal dispute with XXXX Portfolio Recovery Associates failed to provide meaningful validation. The tradeline remains with the notation consumer disagrees, which is not validation and does not satisfy federal law. 
Additionally : The tradeline contains multiple invalid and missing date fields, rendering the information incomplete and unreliable. 
No documentary evidence has been provided establishing Portfolio Recovery Associates ownership of the debt. 
The balance continues to be updated without proof of lawful activity. 
The date of first delinquency is not clearly disclosed, raising concerns about improper re-aging. 
Portfolio Recovery Associates continues to furnish this information to consumer reporting agencies without verifying its accuracy or completeness, in violation of 15 U.S.C. 1681s-2 and 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/year>, I have attempted to make several payments and after making a payment and I go to pay off another order, I get an error message. After receiving this error message I reach out to thier customer service online and I get nowhere. The rep doesn't seem to understand what is being asked of them and they go off and explain something different that has nothing to do with my issue. 

Attached is the error message being received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing this complaint against JPMorgan Chase for a violation of Regulation E and a failure to stop fraudulent activity on my checking account. 
Between XX/XX/XXXX and XX/XX/XXXX, an unauthorized party used my account and routing numbers to pay a Chase Credit Card ( PPD ID : XXXX ) totaling {$350.00} in theft. 
On the evening of XX/XX/XXXX, and again on XX/XX/XXXX, I contacted Chase 's fraud department. During these calls, I explicitly identified a {$75.00} transaction from XX/XX/XXXX as unauthorized while it was still in a 'pending ' status. The Chase representative refused to stop or return this pending transaction, claiming they were 'unable ' to do so. This is a direct violation of my right to stop an unauthorized transfer under Regulation E. 
Furthermore, Chase has closed my claim ( XXXX ) with only a partial refund of {$200.00}, citing a XXXX rule ' to deny the remaining {$150.00}. Because the PPD ID confirms the money was sent to a Chase-issued credit card, Chase is currently in possession of my stolen funds. I am demanding a full refund of the remaining {$150.00} and an investigation into why a stop-payment request on a reported fraud was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Date : XX/XX/year> Dear ProCollect Inc., I recently received a debt collection notice from your office regarding an alleged debt associated with XXXX XXXX XXXX I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 



Please supply me with a copy of any contract or agreement bearing my signature that establishes I have a legal obligation to pay this alleged debt, either with your company or with the original creditor. 



In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : The name and address of the original creditor ( XXXX XXXX XXXX ) and the current creditor ( ProCollect Inc. ).

Verification of the debt amount you are attempting to collect ( {$960.00} ), including documentation showing how this amount was calculated and evidence that a valid contract exists creating the obligation you claim is owed. 
Documentation of all assignments or transfers of this alleged debt, showing a complete chain of custody from the original creditor to your company. 
Proof that the original creditor securitized this debt, if applicable. 
Documentation showing any assignments of the debt from the original creditor to a secured trust and any subsequent reassignment. 




Please cease and desist from all collection activity on this account until you have provided proper validation of the alleged debt as required by law. 



Additionally, I request that you do not access my credit report or furnish any information regarding this account to any credit reporting agency. I dispute the validity and amount of this alleged debt, and if it has already been reported, it must be clearly marked as consumer disputes this debt. 





Permissible Purpose Please state your permissible purpose under the Fair Credit Reporting Act for accessing my credit information. I dispute your right to do so without proper validation. 





Notification to Other Collectors I dispute that I owe this debt to your company. Should you transfer or assign this alleged debt to another collector, you are required to notify them that the debt is disputed. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2026-01-21 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I paid {$920.00} to XXXX for a reservation scheduled to check in on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted XXXX to request cancellation and a full refund due to hazardous winter travel conditions affecting the only practical route to the property, including safety advisories and accident-prone conditions. XXXX acknowledged that XXXX XXXX and XXXX XXXX posed serious travel risks and confirmed my request was submitted to the property for approval. 

From that point forward, XXXX repeatedly stated they were unable to obtain a response from the property owner despite multiple attempts by phone and email. No decision was provided before check-in on XX/XX/XXXX. I did not check in and did not use the property. 

After check-in passed, XXXX continued to state they were still awaiting a response from the property and escalated my case internally, confirming the issue remained unresolved. 

Because no resolution was provided, I filed a dispute through my payment provider ( Venmo ). On XX/XX/XXXX, my dispute was denied even though XXXX had not resolved the cancellation request and was still attempting to contact the property. 

To date, no refund has been issued and no final resolution has been provided, despite timely notice before check-in and ongoing documented delays outside of my control. I am seeking a full refund for services not used and a failure to resolve a billing dispute in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
The mortgage company has offered me XXXX payments deferred for the month of XX/XX/XXXX & XX/XX/XXXX. I received the offer document on XX/XX/XXXX. I signed and returned the document on the same day. I called and confirmed the company received the signed documents on XX/XX/XXXX. However, they did not process the documents until XX/XX/XXXX. Their system reported my account delinquent to the credit bureau on XX/XX/XXXX. This is out of my control. I had made payment on time up until 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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On or around XX/XX/year>, I discovered unauthorized activity related to my credit. My personal information was used without my consent to apply for and/or open account ( s ) and/or generate credit inquiries that I did not authorize. I did not submit these applications, approve these accounts, or receive any benefit from them. 

I became aware of the issue after noticing a credit denial/credit alert / unexpected inquiry/account appearing on my credit report. I immediately took action by reviewing my credit reports, disputing the fraudulent activity, and filing an identity theft report. I have requested that the fraudulent information be investigated and removed, as it resulted from identity theft.

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 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am filing this complaint against my student loan servicer, MOHELA, due to their repeated failure to process my applications to change my repayment plan. This inaction has caused me significant financial harm, including the loss of over a year of qualifying payments toward Public Service Loan Forgiveness ( PSLF ).

The timeline of events is as follows : I was placed into the SAVE repayment plan by Federal Student Aid and serviced by MOHELA.

Following litigation that rendered the SAVE plan ineligible for PSLF, I took immediate action to correct my enrollment. I have submitted at least XXXX separate applications since XX/XX/year> requesting to be moved from the SAVE plan to a PSLF-eligible plan.

Despite my repeated applications and subsequent requests for status updates, I have received XXXX correspondence from MOHELA regarding the processing of my request. I have been left completely in the dark. 

As a direct result of this multi-month processing delay, I have now lost more than a year of payments that should have been qualifying for PSLF.

Furthermore, the administrative forbearance my loans were placed in has now ended, and interest is beginning to accrue. Because MOHELA has failed to move me to a qualifying plan, my loan balance is rapidly increasing due to this accrued interest, which I have no power to stop. This situation has been made even more stressful as I am a military spouse currently stationed with my active-duty service member abroad, making communication across time zones and access to timely support exceptionally difficult. 

The financial consequences of MOHELA 's failure to act are severe. The inflated loan balance is negatively impacting my debt-to-income ratio and has directly harmed my ability to qualify for other necessary credit, such as a vehicle or home loan.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I opened this Line of Credit account in XX/XX/XXXX. Over time, my balance accumulated to approx. {$3400.00} with an APR of XXXX %. I have been a responsible customer since XX/XX/XXXX. 

However, I recently hit a financial breaking point. On XX/XX/XXXX, I requested a payment deferral because I had to pay my rent. I made a partial good-faith payment of {$10.00} on that day. On XX/XX/XXXX, I attempted to make the deferred payment, but the transaction was declined by my bank due to insufficient funds. 

This missed payment is undeniable proof of my financial distress. I contacted the company to request a hardship plan to freeze the interest so I could manage the debt. The company refused to offer a viable solution. Their only " offer '' was to lower the monthly payment while maintaining the 297 % APR, which would result in negative amortization. 

I have a scheduled appointment with a certified non-profit credit counselor ( XXXX member ) on XX/XX/XXXX. Advance Financial is refusing to cooperate with a reasonable repayment structure, forcing me into default despite my efforts to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I placed a stop payment on a check drawn on my wells Fargo checking account, but Wells Fargo paid the check anyway while the stop payment was active and then refused to reimburse me. 

On XX/XX/year>, I wrote a check ( check # XXXX ) payable to Texas Car Deals in the amount of {$6500.00}. 

On XX/XX/year>, I placed a stop payment on this check with Wells Fargo. The stop payment was accepted, active, and in effect at all relevant times. 

Despite the stop payment, Wells Fargo paid the check on XX/XX/XXXX, more than XXXX month after the stop payment was placed. 

Wells Fargo denied my claim by mischaracterizing this matter as an " authorized transaction '' and directing me to resolve the issue with the payee. This is incorrect. This is not fraud or authorization dispute. It is a stop-payment failure, The check paid on XX/XX/XXXX matched the same account, payee, and amount. Wells Fargo claims the check number differed by an extra digit. Minor discrepancies do not defeat a stop payment under XXXX XXXX XXXX XXXX, which requires banks to act on reasonable identification. 

Wells Fargo failed to honor a valid stop payment and is therefore liable for paying the item. I am requesting reimbursement of the {$6500.00} plus any stop-payment fees charged. 

Full reimbursement of {$6500.00}, of any stop payment fees, and written confirmation that Wells Fargo has corrected its error. 

Bank : Wells Fargo Bank , N.A . 
Acct type : Checking Claim Number : XXXX Date Stop payment placed : XX/XX/year> Date Check paid : XX/XX/year> 2025

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/26 I received a document from bmo bank n.a . claiming they required i close my checking account. 
Actually fabrication of the truth. I talk to the bank manager in XXXX 's point about bmo bank in XXXX XXXX, running me back and forth not allowing me to have access to my checking account. 
It's absurd to think I was attempting to with draw funds and refuse to do so as a result of there requirements that I remove the funds in my checking. 
If they actually reqired I close my account why did they refuse to allow me to do it on that day???? 
They bank should respond with a truthful reply that clarifying the the statements in the document on XX/XX/26 were noting more than a fabrication by the person whom made them. The document was not signed. I should have a right to know the person 's name who created these fabrications.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App closed my account due to XXXX taking a transaction of {$96.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> my VA pension, which at the time was {$2100.00}, was deposited into the credit card account I had recently opened instead of my primary checking account. My primary checking account is the account that is listed on the paperwork for direct deposit, not the credit card. Then on XX/XX/year>, the same mistake was made with my Social Security benefits direct deposit. This time in the amount of {$1500.00}. Together, both direct deposits total to {$3800.00}. And as before, the direct deposit form has my primary checking account on it, not the credit card account. When I brought this to the banks attention, because they are the ones who deposited it into the wrong account, I was told that they could not transfer the said funds to the correct account.They then proceeded to tell me that the only way I could access my money was to make a withdrawl from the credit card in the amount of {$2300.00} and a refund check would be issued in the amount of {$1300.00}. When I followed their instructions by withdrawling the money from the credit card, it made it appear as if I BORROWED that money from the card. So I am now paying off a credit card balance with interest on money that was rightfully mine to begin with. I have tried to address this with them many times, and each time I am brushed off and ignored. I may be up there in my years, but I know right from wrong. And what they did to me is not right or fair. I live on a fixed income, and am paying money to a bank for their mistake.

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They keep sending mails to my address stating that I've been sued my wages are going to be garnished XXXX that I miss my court date XXXX a court date I had no knowledge of..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUN LOAN COMPANY INC.
State: ID

Complaint narrative:
I never authorize a loan and for that loan to go towards my credit now I have a loan on my credit score of almost {$2000.00}. I never authorize so now Im dealing with debt that I never authorize and now Im dealing with identity theft.

Company response to consumer: Closed with explanation