vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Formal Complaint Against Experian & XXXX XXXX XXXX Failure to Properly Investigate Disputed Collection Account. My name is XXXX XXXX, and I am submitting this complaint regarding both Experian and XXXX XXXX XXXX concerning a collection account that is currently reporting on my credit file and does not belong to me. The account in question is listed as : XXXX XXXX XXXX Balance : {$430.00} Account Type : Collection I formally disputed this account and fully complied with all documentation requests. I provided : A copy of my Drivers License My FTC Identity Theft Report Additional requested documentation, including attempts to provide a bank statement Despite my full cooperation, I have experienced serious issues and inconsistencies in how my dispute has been handled : Contradictory Information : I was previously told that my documents were received and under review. However, during my most recent call, I was told that no documents were on file, which directly contradicts prior confirmations. System Issues Preventing Submission : When attempting to submit additional requested documents, I was informed that the system could not process them, leaving me unable to comply further despite my efforts. Unprofessional and Disrespectful Treatment : During my most recent call, the representative identified as XXXX was dismissive and ultimately hung up on me while I was seeking assistance. This behavior is unacceptable, especially given that I am actively trying to resolve a fraudulent account. Failure to Conduct a Reasonable Investigation : Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and thorough investigation. The lack of consistent recordkeeping and refusal to acknowledge submitted documents raises serious concerns about whether a proper investigation is being conducted.

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 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX charged me a delivery fee for a service that was never provided. The vehicle purchase was canceled by XXXX before any delivery took place. There was no delivery, no service, and no cost incurred by the company. The fee is invalid because the service never occurred. I opened a dispute with Truist Bank, but the bank closed the case without reviewing the evidence I provided. Truist relied only on a generic policy statement from XXXX ( delivery fee is nonrefundable ), which does not apply because the service was never performed. The evidence clearly shows : 1. XXXX canceled the purchase. 2. No vehicle was ever delivered. 3. No delivery service was performed. 4. The fee charged is not valid under consumer protection laws. I requested all documentation and evidence used by Truist to close my dispute, but the bank did not provide any information. They did not supply internal notes, merchant responses, or any proof supporting their decision. I am requesting CFPB intervention so that Truist reopens the dispute, reviews all evidence, and reverses the charge for a service that was never 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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
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 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My mortgage payment history is riddled with payments ( posted ).... and payment ( REVERSALS )... Alot of reversals!!!! ...... I ask who is making these payments... to which they say " you pay through your bank ''..... I DO NOT PAY THESE PAYMENTS!! ! AND THEY REFUSE TO TELL ME WHERE THESE FRAUDULENT WIRE TRANSFERS COME FROM IN MY NAME,.... ALOT of the payments are for rediculous amounts like XXXX .I DO NOT PAY FOR THIS MORTGAGE!! !.... WHO IS DOING THIS IN MY NAME????

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Avadyne Health Holdings, Inc
State: IN

Complaint narrative:
I had money taken from me from an online casino and I called to report the fraud and not only did they say it was made here in my area but it was made in a different country I called and explained to them if a transaction was marked as a yes that it was an accident and about 20 more occurred after that and it being a different country they kept changing the retailer name on the statement but it was clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Minto Financial dba Minto Money
State: NJ

Complaint narrative:
An advertisement for a personal loan popped up on XXXX ( A website I trusted ), expressing personal loans for up to {$2000.00} with monthly payments of {$80.00} totaling {$2100.00}. I was approved for {$1300.00} and received the money immediately, with a payment structure of {$260.00} biweekly for 14 months ( Costing a {$7200.00} Finance Charge ). Obviously this cost exceeds what is reasonable for any loan policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I logged onto XXXX XXXX in order to make a payment on a student loan that went into collections. When I logged onto the portal the amount stated that I owed {$10000.00} instead of {$9800.00}. I then immediately requested a payment ledger via email. I did not receive any communication regarding the ledger until today, XX/XX/XXXX, even though the representative stated that I should have received the ledger via mail which I still have not received the ledger via mail. When I asked about the " XXXX XXXX '' listed on the ledger, the representative stated that it is interest that the loan is accruing. This was not mentioned to me when speaking with the representative XXXX XXXX in XX/XX/XXXX when she began calling regarding the loan being in collections. I began making payments in XXXX of XXXX and no interest had been accrued until XX/XX/XXXX. As of now, I owe {$10000.00} even though I have made {$400.00} worth of payments toward this loan which the representatives of XXXX XXXX are aware that I could not make more than {$100.00} a month payments due to having to pay rent, a car note and other student/private loan payments. If I were to spend all of my paycheck on repaying the student/private loan payments, I would be homeless and I would not have vehicle in order to get to work to earn a paycheck. I am disputing this because XXXX XXXX failed to inform me of interest that would accrue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a formal follow-up regarding my closed Capital One account and the XXXX international wire transfers totaling approximately USD XXXX that I received in XX/XX/year>. As stated in my prior correspondence and confirmed by Capital One, the held funds will be returned to the remitter ( my friends XXXX XXXX XXXX account ). However, despite the account closure, I have received no specific timeline for the refund. This delay has now exceeded the reasonable and statutory time limits under U.S. banking regulations, including the Bank Secrecy Act, Regulation E, and CFPB guidelines. I request the following information and actions immediately : 1. Refund Timeline and Details Please provide a firm and specific date by which the full principal amount ( USD XXXX ) will be returned to the remitter, since I heard you said you would return it for more than half a year, but no action was taken. I also require detailed refund information, including : The exact refund amount ( including any fees or adjustments ). The method of return ( e.g., wire transfer back to XXXX ). The expected processing and completion date. This has already gone well beyond the XXXX business days XXXX referenced in your departments automatic reply, causing ongoing financial hardship. I need the details and actions, not only the words " will return. '' 2.Interest Payment During Investigation Period Capital One has not paid any interest on the held funds during the investigation period. In previous communications, your representative stated that a replacement check would be issued if the original was lost ; however, I have still not received any check or interest payment. Please confirm the exact interest amount owed and issue it without further delay. The check had been " lost '' twice [ your agent says the second has been cashed out, unable to resend ], and I've requested a check image. Since you are unable to provide, an agent tells me she requested a re-send, but the third check has still not arrived. I don't want to hear you will investigate, I want the resolution instead of requesting again and again and again. Follow-up on Previous CFPB Complaints In my prior CFPB complaints ( Case XXXX : XXXX and XXXX ), Capital One provided a contact named XXXX with a phone number that has never been reachable. This has prevented any meaningful follow-up and further delayed resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of long-term identity theft involving my Chase credit card account. Unauthorized use of this account has been documented from XX/XX/XXXX through XX/XX/XXXX, totaling approximately {$43000.00} in fraudulent transactions. These charges were systematically masked to appear as legitimate recurring billing and authorized activity, which allowed the theft to persist over this period. Upon discovering the full extent of this identity theft in XX/XX/XXXX, I took the following immediate actions : I contacted Chase Bank to report the fraud ; the compromised account has since been closed. I filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) via XXXX ( Report # [ Insert your FTC Report ID here ] ). I am filing this complaint to ensure Chase Bank fulfills its obligations under the Fair Credit Reporting Act ( FCRA ) and the FACT Act. I am formally requesting that Chase : Conduct a comprehensive investigation into the {$43000.00} in unauthorized charges dating back to XX/XX/XXXX. Provide all archived statements and transaction records for this period as required for identity theft victims. Permanently block and remove all fraudulent transactions and resulting balances from my credit reports. Issue a full reversal of these unauthorized charges. I have attached my official FTC Identity Theft Report to this complaint as evidence of the ongoing criminal activity. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I made two purchases on XXXX using my Cash App card totaling approximately {$50.00}. The first transaction was {$18.00} for dog diapers and the second was {$32.00} for a dog carrier. Both items were marked as delivered but I never received them. I filed disputes on XX/XX/XXXX. Both were denied on XX/XX/XXXX. I submitted an appeal on XX/XX/XXXX and received an immediate denial with no explanation. The merchant ( XXXX ) has since closed my account leaving me with no way to resolve this through them. I am the authorized cardholder and I paid for goods I never received. I am requesting Cash App refund both transactions totaling {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: TN

Complaint narrative:
Nationwide Capital Services has added a collection to my credit report that I know absolutely nothing of. When I requested they failed to provide validation of the debt. This is in violation of the FCRA and I intend to sue

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 2026-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Financial Solutions Group, LLC
State: TX

Complaint narrative:
I am submitting a complaint regarding Financial Solutions Group , LLC and related debt relief services for Debt collection / Credit card and Fraud / Deceptive practices. I was contacted by an individual falsely claiming to be from XXXX XXXX XXXX regarding fraudulent activity. I was then transferred to Financial Solutions Group and enrolled in a debt settlement program under misleading circumstances. I was told the service would not cost me out-of-pocket and that fees would be incorporated into settlements. Instead, Financial Solutions Group charged significant fees directly to my credit cards, including charges that exceeded my credit limits, which I was instructed to approve. At least one account ( XXXX, now held by XXXX XXXX XXXX ) was never settled or negotiated, despite fees being charged. These actions increased my debt and resulted in additional interest and financial harm. This appears to violate federal law, including the Telemarketing Sales Rule, which prohibits charging fees before a debt is settled. I am requesting : 1. A full accounting of fees charged ; 2. A refund of fees for accounts not settled ; 3. Correction of any related account balances impacted by these fees. Additionally, I am disputing the portion of my current balance with XXXX XXXX XXXX that resulted from these improper charges. The company name has changed to : XXXX XXXX XXXX ( Formerly Financial Solutions Group , LLC ).

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
As of XX/XX/year>, I am unable to access my XXXX account because two-factor authentication is tied to a phone number that is no longer active. I have successfully reset my password, but XXXX requires SMS verification to the inactive number with no alternative verification method available. XXXX support system creates a complete access deadlock : I can not log in without the phone number I can not use in-app support without logging in Phone support requires the same unavailable number No alternative identity verification ( ID, email, or financial account verification ) is offered This effectively prevents a legitimate account holder from accessing their account with no reasonable recovery path. This is especially concerning for a financial service, as it creates a situation where a user can be indefinitely locked out of their account and funds. I am requesting that XXXX provide a functional identity verification process and restore account access by removing or updating the outdated phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a title loan issued by XXXX XXXX XXXX and serviced by Loan Mart. This loan carries an extremely high interest rate ( nearlXXXX XXXX XXXX XXXXPR ), and the structure of the loan including daily accruing interest has made it increasingly difficult for me to maintain payments despite my efforts. Each day I fall behind, additional interest is added to my balance, which prevents me from catching up and causes the loan to grow instead of decrease. This has created a cycle where I am unable to make meaningful progress toward paying down the principal. The payment structure and high interest rate have placed me in significant financial hardship. I entered into this loan during a time of need and was not in a strong financial position. Since then, the ongoing burden of this loan has had a serious impact on my well-being. The stress of mounting debt, daily interest charges, and the risk of losing my vehicle has negatively affected my XXXX XXXX especially in the aftermath of the mental health challenges many people have faced following the pandemic. This situation has caused ongoing XXXXXXXX XXXX XXXX I am not attempting to avoid my responsibility, but I am requesting fair assistance and a reasonable path forward. I am asking the lender to work with me on a solution such as a reduced payoff amount, interest rate reduction, or a modified payment plan that allows me to realistically repay the loan without continuing to fall further behind. I believe this loan structure is causing harm and is not sustainable under my current circumstances. I am requesting that this matter be reviewed and that the lender provide reasonable options to resolve this debt in a fair and manageable way. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
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 explanation