vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
I purchased a {$500.00} gift card for my son. After activating and creating a pin, the card was immediately blocked. This is a known practice from this company. Myself and others have dealt with this same issue pattern. I do not request a replacement!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
My XXXX student loan was forgiven in October for XXXX  for public service. It is still showing up on my credit report as I owe it. Fix it please.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX XXXX, my Chase Secure Banking account showed an available balance of {$120.00}. I made several debit card purchases that day, and later received {$40.00} via XXXX to ensure sufficient funds. All transactions were approved at the time of purchase. 

On XXXX XXXX XXXX, Chase posted these transactions in a way that resulted in a negative balance of - {$100.00}. Chase later stated my available balance before the first charge was {$64.00}, which does not match what was displayed to me and was never explained. 

If Chases stated balance of {$64.00} were accurate, multiple debit transactions totaling more than the resulting- {$100.00} balance were approved. The total amount of the posted transactions exceeds what would mathematically result in a - {$100.00} balance if only {$64.00} had been available, which indicates the available balance could not have been that low at the time of authorization. 

Secure Banking accounts are marketed as not allowing overdrafts and declining transactions when funds are unavailable. Despite multiple inquiries, Chase did not provide a clear explanation of how my balance was calculated, how deposits were applied, or why transactions were approved if funds were insufficient. Chase has stated they will not provide further updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
I lived at XXXX XXXX XXXX XXXX since 2021. Since I was there, I was left and uninhabitable conditions numerous times. I ended up suing the landlord for emotional distress and leaving me in uninhabitable conditions on top of illegal charges. They immediately contacted me to mitigate with their lawyer. We both signed an agreement that I would dismiss the lawsuit if they agreed to not send my balance to collections and to wipe the balance clean to {$0.00} The landlord agreed and I have the agreement I will attach now. XXXX XXXX XXXX XXXX illegally went in backtracked from the agreement and sent this balance to collections. I would like this looked into as soon as possible. I am a XXXX veteran with a XXXX child. I worked through this process, legally whispery town management. I did not expect them to backtrack on the contract we signed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: NY

Complaint narrative:
I used XXXX to finance a purchase from an international merchant. The merchant has refused to provide a return address, making it impossible to return the merchandise. 

My bank has an active dispute on these charges, and I canceled the card used for the transaction. The XXXX XXXX XXXX confirmed they could not process my complaint because the merchant is located outside the U.S. and XXXX. 

Despite this, XXXX has continued to bill me and send late fee notices. XXXX stated in writing that my payment schedule will remain in place and that they can not assist with returns or cancellations. 

I am requesting that XXXX pause billing and late fees during this dispute and correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
On XX/XX/year>, I made an in-store purchase at XXXX  XXXX XXXX XXXX XXXX in XXXX, Kentucky at XXXX XXXX XXXX. At checkout, I was told I would receive a discount immediately if I signed up for an XXXX  XXXX credit card. I was not informed that approval was required, that approval could take several days, or that a hard inquiry would be performed. 

After submitting the application, I was denied the promised discount. The cashier stated they did not know whether a hard inquiry had been conducted. I later confirmed that BarclaysXXXX XXXX  performed a hard inquiry on my credit report without proper disclosure or informed consent.

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 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: FL

Complaint narrative:
I am submitting this complaint regarding Capital Management Services , LP. 
On or about XX/XX/year>, I sent the company a written debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, in response to a collection notice for an alleged XXXX  XXXX XXXX account ending in XXXX. In my letter, I clearly disputed the debt and requested full validation, including proof of the original contract, account history, and documentation showing the companys legal authority to collect. 
To date, the company has failed to provide the requested validation. Despite this, the account continues to be reported and/or collection activity has not been properly ceased. Under the FDCPA, a debt collector must cease collection and reporting until proper validation is provided. 
I am requesting CFPB assistance to ensure compliance with federal law, including cessation of collection activity and credit reporting unless and until the debt is properly validated.

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 2026-01-11 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: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/year>, I was charged {$99.00} for an annual subscription auto-renewal by XXXX. I did not intend to continue the subscription and was unaware that it would renew at that time. 

I contacted the merchant immediately upon receiving the transaction notification from Discover and attempted to cancel the subscription right away. I made multiple follow-up requests explaining that the renewal was unintended and asking for a refund or clarification. The merchant refused a refund based solely on policy and later closed the case without addressing my follow-up messages. 

After being unable to resolve the matter directly with the merchant, I filed a billing dispute with Discover and provided documentation showing that I acted promptly and in good faith. Despite this, Discover resolved the dispute in favor of the merchant based on general subscription terms and an unverified claim that a single renewal email was sent XXXX days in advance. There was no confirmation that the notification was delivered or received. 

I am concerned that this dispute process places the full burden on the consumer and allows subscription merchants to rely on minimal notification practices and rigid refund policies, even when the customer acts immediately and seeks resolution in good faith. I am submitting this complaint to request a review of Discovers handling of billing disputes related to unintended auto-renewals and consumer protections in such cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I.C. System, Inc. is reporting a collection account originating from a rental management company. The account information being reported is inaccurate and unverified. I have requested validation of the alleged debt, including a complete itemized ledger, proof of charges, proof of assignment, and documentation showing I am legally obligated for the amount claimed.

To date, I.C. System has failed to provide competent evidence validating the debt, yet continues to report the account to the consumer reporting agencies. This violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which require accuracy and verification before reporting.

I dispute the validity of the debt and request that the inaccurate reporting cease and that the account be deleted unless proper verification is provided.

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 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
Insurance is pre-paid so I am not understanding why they are stating I owe them over XXXX dollars to begin with but this isn't my debt. A car and insurance were put in my name as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sezzle Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX I am writing to formally dispute the following account that your company is reporting : Account Number : XXXX XXXX XXXX XXXX XXXX SEZZLE INC This account is fraudulent and does not belong to me. I did not open, authorize, or benefit from this account in any way. The account is the result of identity theft or error.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I am requesting that you conduct a reasonable investigation and immediately cease reporting this account unless and until it is properly verified.

If you are unable to provide competent evidence that I am legally responsible for this debt, you must delete the account from all consumer reporting agencies and confirm this deletion to me in writing.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NY

Complaint narrative:
I obtained a fixed-rate personal loan on XX/XX/year>. The loan requires monthly payments of approximately {$950.00} and accrues interest daily using a XXXX method. I have made the required monthly payments since origination. 

Since the loan began, I have never received periodic statements, a transaction-level payment history, or any written record showing how my actual payments were received, posted, or applied to interest and principal. There is no online account portal, and I was advised that account information is only available by calling customer service. 

After requesting written documentation, the servicer provided only an amortization schedule and stated in writing that the schedule replaces monthly statements and that the company does not generate transaction-level payment histories. The servicer further stated in writing that payments are applied on the scheduled due date regardless of when payments are actually received. 

The promissory note states that interest accrues daily and includes provisions regarding when payments are deemed received. Without a transaction-level payment history showing actual payment receipt dates, posting dates, and allocation to interest and principal, I am unable to verify the accuracy of interest calculations or the current loan balance. 

The loan was sold or assigned after origination, but I did not receive clear documentation identifying the current owner and servicer at the time of transfer. I am requesting regulatory review and assistance in obtaining a complete payment history and confirmation that the loan has been serviced in accordance with the contract and applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Starting in XX/XX/XXXX, SoFi Bank began repeatedly blocking my legitimate transactions with the merchant XXXX XXXX XXXX  These transactions were fully authorized by me. On multiple occasions, I responded YES to SoFis automated fraud-verification text message confirming that the transactions were legitimate. Despite this, SoFi continued to decline the transactions or mark them as fraud. 
On XX/XX/XXXX at XXXX PM, a {$100.00} authorization attempt from XXXX XXXX XXXX XXXXequired approval. I confirmed the transaction as authorized, and SoFi informed me that everything was cleared and future transactions should proceed without issue. However, on XX/XX/XXXX at XXXX PM, another {$100.00} transaction from the same merchant was denied and labeled as fraud. 
In addition to these XXXX transactions SoFi acknowledged, there were multiple additional attempts after I confirmed the charges via the automated text system, yet these attempts were still blocked. This indicates that SoFis fraud system is not honoring customer authorization, even after verification is completed. 
I requested that SoFi whitelist or permanently authorize this merchant, and I was told that this was done. Despite that, the transactions continue to be blocked. This is preventing me from accessing and using my own funds. 
I also requested SoFis full mailing address in order to file a written grievance, but the representative refused to provide it. This prevented me from escalating the matter internally before seeking regulatory assistance. 
SoFi has not corrected the issue despite multiple contacts and confirmations from me. I am requesting CFPB assistance to ensure SoFi stops incorrectly blocking authorized transactions and restores reliable access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
b'On XX/XX/, I sent a formal debt validation request via Certified Mail to Portfolio Recovery Associates (PRA) regarding a collection account from XXXX XXXX XXXXPRA received this request on XX/XX/XXXX (USPS Certified Mail Tracking XXXX XXXX XXXX XXXX XXXX XXXX. As of today, PRA has failed to provide any of the requested validation documents (original contract, itemized accounting).\n\nThe Violation: Despite failing to validate the debt, my credit report shows that on XX/XX/XXXX, PRA updated this account as "Verified."\n\nUnder FDCPA Section 809(b) [15 U.S.C.  1692g(b)], a debt collector must cease all collection activityincluding reporting to credit bureausupon receipt of a dispute until they mail verification to the consumer. By updating this account to "Verified" without first providing the required validation, PRA is in direct violation of the FDCPA\'s "Cease Collection" mandate.\n\nPattern of Willful Non-Compliance: PRA is currently operating under a XXXX CFPB Consent Order (File No. XXXX-CFPB-0002) for similar violations, specifically regarding the failure to substantiate debts and misrepresenting that they would provide documentation within 30 days. Their actions in my case demonstrate a continued disregard for federal law and this standing Order.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Debt Validation Letter XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX : XXXX DOB : XX/XX/XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Re : Request for Debt Validation Account Number : XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing in response to a debt that XXXX is XXXX and/or attempting to collect. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 


Please provide the following documentation to validate this debt : XXXX. The original creditors name and address XXXX. The original contract or signed agreement bearing my signature XXXX. A complete payment history, including the date of default XXXX. The total amount claimed, including an itemized breakdown of principal, interest, fees, and charges XXXX. Proof that XXXX has the legal right to collect this debt, including assignment or bill of sale XXXX. Proof that the debt is within the statute of limitations XXXX. XXXX that the debt is being reported accurately to all consumer reporting agencies Until this information is provided, I dispute the validity of this debt and request that all collection activity cease. Additionally, any reporting of this account to consumer reporting agencies must be marked as disputed in accordance with federal law. 


If you are unable to provide the requested validation, please remove this account from my credit report and cease all collection efforts. 


This letter is not a refusal to pay, but a request for verification of the alleged debt. Please respond in writing only. 


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 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a debt validation and chain of custody request after receiving an email from XXXX XXXX XXXX regarding an alleged debt. I do not recognize this company and am not aware of owing this debt. To date, I have not received any verification or validation of the alleged obligation. Despite this, XXXX XXXX XXXX is reporting inaccurate information on my credit report. As I do not have knowledge of this debt and no verification has been provided, I dispute its accuracy. I also requested for all communication to be by mail, I'm getting text messages rather than written mail harassing me for payment without any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I called because I was Placed for collection Original creditor name CONSUMER ADJ CO They had a what sounded like a weird forwarding service. They ended being creditsage after I wanted to pay my collections. They said it was dispute they said was filed incorrectly and mislead me under duress knowingly and said they could get this corrected and expedited for me to be able to get a mortgage loan. Please see the tenant letter that they said ( on the phone ) would be able to ensure that I get mortgage loan with manual underwriting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
This vehicle was purchased as a result of identity theft. I never authorized the purchase of this vehicle. 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 your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
See complaint and possibility for fraud Chase should now extend the following asap. 
{$12000.00} approved credit with auto repay and bureau reporting {$100000.00} minimal home loan at market rate XXXX reciprocal respect

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AZ

Complaint narrative:
In XX/XX/year>, I submitted an IDR application linked to a Direct Consolidation Loan related to the SAVE program. MOHELA created a new loan on my account, disbursed on XX/XX/year>, without my consent and without a valid Master Promissory Note. This loan was processed after federal courts issued an injunction on SAVE implementation. I dispute the loans validity and enforceability and request its immediate dismissal, written confirmation that no enforceable payment obligation exists, and that no prior or new loans will be reinstated or created without my consent. Supporting documentation is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I bought a vehicle almost two months ago. I live in Pennsylvania and can not register the car because the title or lien documents have not been sent to XXXX. I need a status update and escalation. 

1. Where is the title right now? 
1. Has it been sent to XXXX or an authorized PA agent? 
3. Is there a lien release or electronic title? 4. What exact document is missing? 

I can not register the vehicle in Pennsylvania because the title paperwork has not been completed. I need you to resolve this with Honda XXXX  immediately.

Company response to consumer: Closed with explanation