vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

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

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

Complaint narrative:
On XX/XX/year> ( {$30.00} ) and XX/XX/year> ( {$160.00} ), I sent a total of {$190.00} to another Cash App user for goods that were later discovered to be expired, opened, broken, or otherwise unusable. I promptly reported the issue and initiated a dispute on XX/XX/year>. Throughout the process, I made repeated attempts to provide supporting documentation, including photographs and additional details explaining why I believed this transaction involved fraudulent activity. Cash App representatives instructed me to file the dispute again ; however, when I attempted to do so, the system generated errors and would not allow me to proceed. I made multiple follow-up attempts through in-app support but was repeatedly routed to automated responses without a functional way to submit evidence. Before my complaint was closed, I explicitly informed Cash App that I had additional photographic evidence to support my claim and asked how to submit it. Rather than providing a method to upload the documentation, I was told that " someone would email me. '' No meaningful follow-up occurred. 
Despite these obstacles, Cash App later stated that they had " reviewed all of the information provided '' and denied my dispute, while also asserting that no new information had been submitted. Because I was prevented from fully providing supporting documentation, it is unclear how a reasonable investigation could have been conducted. After reporting that I had been scammed, Cash App responded with generalized safety guidance rather than addressing the specifics of my claim or explaining the basis for the denial. The response lacked transparency and did not demonstrate that a meaningful investigation has occured. I am requesting regulatory review of Cash App 's dispute handling procedures, as the process appears to lack transparency and may have prevented me from exercising my consumer rights. I respectfully request a reinvestigation of this matter and appropriate restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: KY

Complaint narrative:
Issue : Incorrect information on your report / Debt is not yours Company : XXXX XXXX XXXX ( now managed by XXXX XXXX XXXX XXXX National Enterprise who has taken over the debt and reporting to XXXX Detailed Description : I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding Account # XXXX. This account is currently being reported as a " XXXX, '' which is legally inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). 

Chronology of Events & Breach of Contract : Agreement Date : On XX/XX/XXXX, I entered into a contract for a solar installation with XXXX XXXX XXXX XXXX Loan # XXXX ). 

The Promotional Obligation : As part of this contract, I signed the " XXXX Months of XXXX Payments Promotion Addendum. '' This legally binding agreement obligated XXXX XXXX to reimburse me {$150.00} per month for the first XXXX months of the loan. 

Loan Terms : The loan was finalized on XX/XX/XXXX, with a total amount financed of {$52000.00}. 
The XXXX : Shortly after the installation, XXXX XXXX permanently ceased operations and went out of business. They defaulted on their contractual obligation to pay the {$150.00} monthly subsidies, resulting in a total failure of consideration and a material breach of the original contract. 
Legal Defense ( FTC Holder Rule ) : Because this was a " consumer credit contract '' for a XXXX XXXX it is governed by the FTC Holder Rule ( XXXX C.F.R. XXXX ). This rule states that the holder of the debt ( XXXX ) is subject to all claims and defenses that I have against the seller ( XXXX XXXX  ). Since XXXX XXXX breached the financial terms of the contract, this debt is legally in dispute and is unenforceable in its current state. 

Actions Taken & Credit Bureau Failure : XX/XX/XXXX : I sent a formal request for debt validation. 
XX/XX/XXXX : I followed up with a formal notice to XXXX regarding the lack of validation. 
XX/XX/XXXX : I sent a formal FCRA Section XXXX Dispute to both XXXX XXXX XXXX, providing the specific Promotion Addendum and proof of XXXX XXXX 's business closure. 
The Discrepancy : Upon reviewing my evidence, XXXX investigated and permanently deleted this account from my credit file. However, XXXX XXXX XXXX have returned the account as " verified. '' I believe the bureaus are performing inadequate, automated " pings '' to the lender rather than a reasonable investigation into the legal breach of contract and the defunct status of the installer.

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 2026-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
XXXX XXXX is willfully and inaccurately reporting a charged-off account as open with a balance, causing continuous and ongoing credit harm for over 18 months. 

The account was charged off approximately XXXX and a half years ago. After the charge-off, XXXX XXXX  filed a lawsuit seeking a judgment against me. That lawsuit was dismissed by the court. I was never properly served, and the creditor failed to obtain any judgment or legal determination that the debt was valid or collectible. 

Since the dismissal : There has been no communication from XXXX XXXX No billing statements No collection notices No demand for payment No account activity of any kind Despite this, XXXX XXXX continues to report the account as open, which is factually impossible and materially misleading. A charged-off account can not be open and actively reporting a balance. This false status causes the account to be treated as active revolving debt, which results in continuous score suppression each reporting cycle. 

This conduct constitutes willful noncompliance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), including but not limited to : XXXX information that is inaccurate and misleading Failing to correct or update the account to reflect its true status XXXX to report a balance as owed despite dismissed litigation Failing to ensure maximum possible accuracy as required by law XXXX XXXX has had ample notice and timeover XXXX  monthsto correct this reporting and has failed to do so. The ongoing misrepresentation appears punitive and retaliatory in nature, as the account remains open solely to continue credit damage without lawful justification. 

Because this inaccurate reporting has caused prolonged and compounding harm, I am requesting regulatory intervention and remedial relief, including : Immediate correction of the tradeline to reflect an accurate, closed status with no ongoing balance OR Zeroing out the balance entirely as compensation for the extended period of incorrect reporting Confirmation that all credit bureaus have been updated to remove the ongoing negative scoring impact If XXXX XXXX can not substantiate the accuracy of reporting this account as open with a balance, it must be corrected or removed. Continued misreporting after a dismissed court action represents a serious compliance failure that warrants CFPB oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding serious post-judgment debt collection misconduct by XXXX XXXX XXXX XXXX and Midland Credit Management, including the fabrication and use of court-styled documents, misrepresentation of legal process, and false representations concerning garnishment proceedings. 

In XX/XX/XXXX, I received a document titled Fact Information Sheet ( Form 1.977 ) that was mailed to me and formatted to appear as an official court filing. The document falsely represented that it had been filed with the court. A review of the official court docket confirms that no such filing ever occurred. This document was not an error ; it bears the collectors internal account number matching other legitimate correspondence, demonstrating it originated from the collectors internal file. 

In XX/XX/XXXX, I received a Plaintiffs Notice of Dissolution of Continuing Writ of Garnishment representing that a wage garnishment had been dissolved. However, no such garnishment ever existed. My employer and XXXX ( the payroll processor ) both confirmed in writing that no garnishment was issued, processed, or received. This notice fabricated a legal event that never occurred and was designed to mislead me regarding my legal obligations.

In addition, the collectors filed and served documents selectively and inaccurately, including : Filing notices long after statutory deadlines had expired Falsely certifying service on third parties who confirm they never received service Filing post-judgment documents only after being compelled by court order The collectors also publicly exposed my protected personal information ( including partial Social Security number and birth data ) in court filings, in violation of privacy and redaction rules, creating a risk of identity theft.

A court hearing held on XX/XX/XXXX confirmed that these actions were post-judgment in nature. While the court denied relief on procedural grounds, it did not address the merits of these deceptive collection practices, making regulatory review appropriate.

I believe this conduct violates the FDCPA and constitutes deceptive, unfair, and abusive debt collection practices, including misrepresentation of legal process and false statements to a consumer.

I am attaching supporting documentation, including the fabricated documents, court docket records, employer confirmations, and court filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NEW CITY FUNDING CORP.
State: FL

Complaint narrative:
I bought a vehicle in XX/XX/year> that broke down due to engine XXXX less than a week of owning it. The dealership refused to do anything to fix it, so I defaulted on my loan. To this day, the " bank '' the loan was through continues to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: TN

Complaint narrative:
I graduated from Virginia XXXX in XXXX. My school closed immediately after are last classes. I was not able to get help understanding my loans that I thought were on a lottery scholarship and job placement. Our last semester we hardly had instructors to teach our classes. Most of our classes were done at home and just from a book due to not having instructors. I called multiple times asking about this and emailed someone higher up at the mohela and he said because I found a job I could not get it XXXX. Thats ok. I have worked with the same company a non profit since XX/XX/XXXX. I applied for pslf and have sent in the application every year. The HR dept has done the same. They have told me they have made sure dates were correct and filled out properly. I have been dealing with this for years. Losing sleep because I don't know how to fix it or how I will make the payments asked of me with not making as much as I thought I would make. I have turned down a couple jobs that would benefit me and increase ny pay drastically to continue my pslf journey. I have been told by mohela when the freeze by XXXX was lifted we could work to get answers then things were shut down by XXXX XXXX. My pslf is showing XXXX payments count towards pslf I am 9 years in to my job and should not be at XXXX payments. When I call to get answers I'm also told mohela can not explain to call the debt of education. Student aid tells me to mohela. I'm sent back and forth and this is after losing hours at work due to making the time to set on hold for hours before anyone will even answer the call. Im so frustrated with it or overwhelmed that at times I feel like letting it go and whatever happens happens. I can't try to own a home due to this being on my credit and when I've just let it go my taxes were held. I don't know what to do anymore but pray which I know doesn't take care of it but I get no answers from mohela or the dept of education.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: UHG, LLC
State: TX

Complaint narrative:
I received a test message back in XXXX to dispute by XX/XX/year>. I sent the dispute letter certified mail and it was received by the company XXXX XXXX XXXX on XX/XX/year> and they falsely reported the debt to the credit bureaus without sending me any validation that I requested and I want it removed until the company can properly provide me the validation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX product and what I believe to be misleading and unfair practices related to eligibility and availability. 

I am a Chime+ member with a documented history of successfully receiving and fully repaying prior Instant Loans. My loan history includes multiple loans ( {$100.00}, {$100.00}, and {$600.00} ), all of which were paid in full with no late payments or delinquencies. Despite this positive repayment history, Chime has stopped offering me Instant Loans. 

I also receive consistent, qualifying direct deposits from the XXXX Department XXXX XXXX XXXX XXXX VA Treasury ) into my Chime account. These deposits occur regularly and are well above the minimum amounts Chime advertises as required for Instant Loan eligibility. 

Currently, when I attempt to access the XXXX XXXX feature, the app displays the message : Youre all set! Well let you know when youre eligible for another loan, without any explanation, reason for denial, or timeframe. No adverse action notice or specific eligibility reason has been provided. 

Chime continues to advertise Instant Loans as being available to members who meet stated requirements such as qualifying direct deposits and responsible repayment history. However, despite meeting these requirements, I am denied access with no transparency. This creates the impression that the product is available when, in practice, qualified consumers may be excluded without explanation.

I believe this practice may constitute deceptive or unfair conduct under consumer protection laws, as eligibility standards appear to be applied inconsistently or are not clearly disclosed to consumers. 

I am requesting that the CFPB review this matter and require Chime to provide a clear explanation for the denial of access and to ensure its advertising and disclosures accurately reflect how Instant Loan eligibility is actually determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: MI

Complaint narrative:
I contacted these clowns by email! I called them numerous of times! I am XXXX, I submitted my XXXX forms online! I explained my income changed due to my daughter being XXXX old. I no longer receive help from her ssi to help pay for the mortgage! I told them I been XXXX! I asked to lower the payment, I told them I can't afford the payment they put me on! These clowns at mortgage don't respond! I emailed them numerous of emails! Don't ask me for dates it in my email! I have XXXX, WHICH INCLUDES SHORT TERM MEMORY BUT IT IN MY EMAIL! I AM NOT STUPID! I USE THERE BROKEN SYSTEM TO UPLOAD MY PROOFS! I CALLED THEM SO MANY TIMES. NO ONE CONTACTS ME. I WOULD LOVE THEM TO PLEASE LOWER MY PAYMENT SO I CAN PLEASE STAY IN MY HOUSE! I LIVED THERE SINCE XX/XX/year>! MY KIDS LIVE THERE! WE DONT WANT TO LEAVE, I LOVE MY 4 % INTEREST RATE I DO NOT WANT THAT CHANGED! I WOULD LOVE TO SEE MY MORTGAGE PAYMENT BE {$450.00} MAX IF I HAVE TO {$600.00} I AM SINGLE PARENT LIVING OFF OF XXXX!! I CANT WORK! I AM SORRY I AM XXXX NOW. UNFORTUNATELY THAT HAD TO HAPPEN TO ME. I DIDNT ASK TO BE XXXX! IT HAPPENED UNFORTUNATELY! PLEASE ASK MYLOANCARE TO LOWER MY PAYMENT TO A REASONABLE PRICE FOR MY XXXX! YOU ALL KNOW PRICES ARE GOING UP! I MISSED MY XXXX PAYMENT I AM STRUGGLING TO GATHER FUNDS!

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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: SC

Complaint narrative:
I am not requesting that my XXXX be backdated. I am requesting correction of credit reporting because I qualified for a {$0.00} Income Based Repayment due to hardship during the time my account was reported 120 days delinquent.

EdFinancial has acknowledged in writing that there are scenarios where negative credit reporting can be removed when a borrower qualified for deferment or forbearance during the reporting period. My financial situation at that time qualified me for a {$0.00} payment plan, which was later approved.

This indicates I qualified for hardship status during the delinquency window. Reporting me as 120 days delinquent during a period where I qualified for a {$0.00} payment is inaccurate under FCRA guidelines.

I am requesting a manual review and correction of the credit reporting to reflect hardship eligibility during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A credit card was open up under my name.l tried calling capital one and they havent got back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Carrington Mortgage Services LLC. XXXX XXXX XXXX XXXX XXXX Mortgage fraud. 
XXXX Loan No. XXXX Carrington Mortgage Loan No. XXXX Greetings I am writing to you as a former PA resident/ Property owner. On XX/XX/XXXX, I sold my property and paid off my mortgage With XXXX XXXX XXXX ( XXXX  ). I was sent a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, that my Mortgage was paid in full. See enclosed Letter.

I recently received a letter From Carrington Mortgage Services dated XX/XX/XXXX, stating that my XXXX loan was sold to them. See copy of that letter.

Also, the Carrington Letter goes on to say my new creditor is XXXX XXXX XXXX XXXX That they hold the legal title to my Loan.

When I called Carrington, they seemed to know nothing about this. When I asked them to send me something in writing to say this was a mistake Their answer is that XXXX would send a letter stating that my loan was Paid.

That still does not address the point that Carrington has notified me that they have an open loan THAT HAS BEEN PAID OFF. If I did the same thing I would probably be arrested. These big Criminal Banks love to say it is an error and not to worry. While behind the scenes they are selling paid off loans to each other. At my expense. This is truly a criminal act. That is why I respectfully demand you investigate this matter for fraud. I also would like to state that any profits earned by them by this fraudulent activity were not authorized by me. I respectfully demand to have a full investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2026-02-02 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: TX

Complaint narrative:
Portfolio Recovery Associates ( PRA ) responded that they purchased XXXX XXXX XXXX accounts ( XXXX ending XXXX ) and claim the balance are accurate based on business records received from XXXX XXXXXXXX. PRA stated they have no record of receiving a dispute after their initial letters, but after my CFPB complaint they suspended communications, marked the accounts as disputed with the credit bureaus, and sent me a letter requesting I provide documentation for their investigation. PRA did not provide proof of legal obligation, full account documentation, or chain of custody to verify the debt and is continuing to report the accounts.

Company response to consumer: Closed with non-monetary relief