vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Hi I reached out to them several times, I am on SSI and I get my check on the XXXX XXXX  of the month and my payment is do today which I cant make they refused to waive the late fee for 1 day also I cancelled my cc with them them months ago and they kept charging me a maintenance fee for what reason and I ask them to move my payment date to the XXXX of the month which they refused thank you so much trying to help me Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I have an old debt on my credit report from XXXX. I have tried to have it removed through the credit bureau but it still remains on my credit. It was sold to a third party company and they reopened it as new debt. I have asked for copies of documentation, but they failed to provide it to me. Portfolio Recovery Services will not remove it from my credit and will not provide any documentation showing information about the debt. I believe they purchased it in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I disputed the reporting of my Capital One Walmart store credit card multiple times through the credit bureau dispute process after identifying ongoing inaccuracies. Each time, Capital One verified the account without correcting the errors.

This account was charged off and closed by Capital One in XX/XX/XXXX. Despite the charge-off, Capital One has continued to update the payment history monthly throughout XXXX and XXXX with new derogatory statuses, as if the account is newly delinquent each month. Once an account is charged off, it should not continue to re-age or report new delinquencies in this manner. 

Capital One is also reporting a balance of {$420.00} against a {$300.00} credit limit on a closed, charged-off account, resulting in a reported utilization of XXXX  %. Reporting utilization on a closed, charged-off account is misleading and does not accurately reflect current credit risk. 

Additionally, the payment history grid shows more derogatory months than the late-payment counts reported, creating inconsistencies within the tradeline. The account is also marked as previously in dispute now resolved by data furnisher, despite no substantive corrections being made following my disputes. 

Through the credit bureau dispute process, I requested correction of these inaccuracies and requested the method of verification, including how the information was verified and what documentation was reviewed. Capital One has continued to verify the account without correcting the inaccurate and misleading reporting. This demonstrates a failure to conduct a reasonable investigation and ensure accurate, complete, and non-misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP 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 2026-01-13 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
CFPB Complaint Narrative Company : Truist Bank Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am submitting this complaint regarding Truist Banks ongoing servicing practices and assessment of attorneys fees on a XXXX  real estate loan held by XXXX XXXX  XXXX and secured by an office property located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 

While the loan previously experienced defaults that resulted in placement with outside legal counsel, those defaults have since been cured. The loan has been current and performing for a sustained period, payments are up to date, and to my understanding, no Event of Default presently exists. There is no active foreclosure, litigation, or enforcement action related to the loan or the collateral property. 

Despite the loans current status, Truist has not returned the loan to normal commercial loan servicing and has continued to maintain the loan with outside legal counsel. During this period, attorneys fees have continued to accrue. Most notably, a proposed Second Amended Forbearance and Modification Agreement reflects attorneys fees of {$8100.00} as of XX/XX/year>, which represents a substantial increase from approximately {$4300.00} in XX/XX/year>, despite the absence of active legal proceedings. 

I have requested clarification and itemization of these fees, including confirmation of Truists authorization for continued legal involvement after the loan became current. To date, I have not received sufficient explanation demonstrating that these fees are necessary, reasonable, or proportionate to the loans current status. 

My concerns are as follows : Continued placement of a current, performing loan with outside legal counsel ; Ongoing accrual of legal fees absent default, enforcement, or litigation ; Lack of transparency and itemization regarding the legal fees assessed ; Refusal or failure to return the loan to standard commercial servicing despite cure of prior defaults. 

I am seeking CFPB assistance to ensure that Truists servicing practices align with fair and reasonable standards, and that fees assessed are transparent, justified, and appropriate given the loans current, performing status. 

Requested Resolution : Written confirmation that the loan is current and no longer in default ; Return of the loan to normal commercial loan servicing ; Itemized accounting of attorneys fees charged after the loan became current ; Suspension or limitation of further legal fee accruals absent a renewed default or enforcement action. 

I am acting in good faith to continue performing under the loan and preserve the collateral property, and I respectfully request CFPB review of this matter.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
This is a complaint regarding inaccurate and unverified information being reported under my name. 

I am writing in response to an account your company is reporting on my credit reports. After reviewing my reports, I noticed the following account listed and am requesting clarification and proper documentation. 

Account Information Being Reported : Creditor/Collector : XXXX Account Number : XXXXXXXX XXXX XXXX Balance : {$980.00} Last Verified : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MA

Complaint narrative:
remove later payments from my account wrongly reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: January Technologies, Inc
State: NC

Complaint narrative:
I received an email from XXXX which is a company associated with XXXX stating that I owe over {$800.00}. I went to the website to look at what they were talking about and things didn't look right. Next thing I know they reported it on my credit and started harassing me. They sent countless emails and mail to my home every day. I sent a request for debt validation because things seemed sketchy on XX/XX/XXXX. It's now XX/XX/XXXX, and I haven't heard anything from them. Yet my credit is still being negatively affected by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
All the months of XXXX, XXXX, XXXX, XXXX until this day, XX/XX/year> someone continues to call me early morning while Im working while in meetings and after 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 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PROPEL FINANCIAL SERVICES LLC
State: MI

Complaint narrative:
XX/XX/year> at XXXX. I received a text message from my mother involving a debt with Credit Fresh. Ive also received alerts from other family members that Credit Fresh is reaching out about a debt. Here is an example of the message : XXXX XXXX, i got this text for you a couple days ago. 

XXXX XXXX, fdm contacting you for Credit Fresh. Please call us back immediately regarding the delinquency at XXXX. Thank You Again this was a text to my mothers phone. I did not give her information out to anyone. There are other family members receiving texts as well.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I received a phone call from someone claiming to be Chase Bank, stating my XXXX account had been hacked. The caller transferred me to someone claiming to be XXXX. The call appeared legitimate and I was instructed to follow steps on my phone to reverse fraudulent charges. 

The incoming call displayed a New York City ( 212 ) area code and identified as a Chase phone number, which matched publicly listed Chase branch contact information. Because the call appeared to originate from Chase and I was tranferred to someone claiming to be Zelle, I reasonably believed the call was Legitimate.

Unbeknownst to me, this was an impersonation scam. The individuals instructed me to provide temporary phone access and to use Face ID, which I believed was part of securing my account and reversing fraud, not authorizing withdrawals. I difd not knowingly approve, initiate, or intend to send any XXXX payments. 

On XX/XX/XXXX,, XXXX, unathorized XXXX withdrawals posted to my XXXX Chase buness accounts totaling {$13000.00} including transfers of {$5000.00}, {$1000.00}, {$2900.00}, {$1900.00} and {$1000.00}. 

I immediately contacted Chase Fraud, providing all requested information, and filed a police report. Despite this, Chase denied my claims stating that XXXX XXXX  was used and therefore the transactions were autorized. 

I dispute Chase 's determination. MY use of XXXX XXXX  was induced through deception and impersonation and does not constitute authorization under the Electorinic Fund Transfer Act. I am XXXX XXXX XXXX and was a victim of sophisticated impersonation scam. I am requesting that XXXX reconsider and reimburse the unauthorized XXXX transactions. 

At no time did I knowingly authorize, review or confirm any XXXX recipient, amount or transfers nor was I informed that the actions I was instructed to perform would initiate outbount payments,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2026-01-13 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: NJ

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 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Attn : Capital One Executive Complaints ( Internal ) and CFPB Capital One Bank ( USA ), N.A. failed to timely release a credit balance owed to me. After multiple calls and documented concerns, this issue should be reflected in my customer account records. The bank claims a paper check was mailed in XXXX ; however, the check was never received, and Capital Ones own system continues to reflect the credit balance as available, indicating the funds were never successfully disbursed. {$17000.00} funds over XXXX. 

During a recorded call on XX/XX/XXXX lasting approximately XXXX hour and XXXX minutes, a Capital One representative confirmed multiple internal processing errors. I was escalated to a supervisor, XXXX ( Employee ID XXXX, XXXX Department Virginia ), whose handling of the matter failed to resolve the issue and improperly prolonged Capital Ones retention of my funds. I am formally requesting that the full recorded call be reviewed as part of a compliance evaluation. 

Capital One has now stated it will stop payment on a check that was never received, further delaying access to funds that remain reflected on my account.

I am requesting immediate release of the credit balance via ACH, a written explanation of the disbursement failure, and confirmation that a compliance review has been conducted, including review of the recorded call and supervisory handling. 

Desired resolution : Immediate ACH refund Written explanation Confirmation of compliance and call-record review Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: DE

Complaint narrative:
I was enrolled in a Sallie Mae repayment program that lasted XXXX years and recently ended. Before my payment increased, I contacted Sallie Mae because the new payment is unaffordable. My loan balance has significantly increased, and I am pregnant with a baby due in XXXX, creating additional financial hardship. 
I was told there were no options available and that someone would contact me after the payment date, but no one followed up. I called again and was again told no assistance is available. I am requesting a review for hardship assistance, temporary forbearance, or an alternative repayment option. I am seeking help to avoid delinquency and financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ME

Complaint narrative:
My loan servicer, MOHELA, approved and posted a refund of {$1100.00} on XX/XX/XXXX ( visible in my MOHELA transaction history and attached within this complaint ). MOHELA has confirmed that the refund is approved on their end and is pending with Federal Student Aid for release to Treasury. I have contacted both MOHELA ( by phone ) and FSA by Live Chat ( see attached transcript ) on XX/XX/XXXX, and I am being referred back and forth. This refund has been pending for over eight months, far beyond any reasonable processing timeframe.

I submitted a complaint on the FSA.gov website outlining the issue stated above on XX/XX/XXXX. I was given a case number : XXXX. I received a response from FSA on XXXX, stating, " This office answers general federal student aid questions. We do not provide loan account information or perform loan servicing requests. You must contact your loan servicer directly for assistance. '' See attached email correspondence.

I checked the FSA website today, on XX/XX/XXXX, and see that my case with FSA is now closed. 

Note : My maiden name is XXXX XXXX, but I have since changed it to XXXX XXXX. My information on FSA.gov, as well as on the MOHELA online platform, both reflect my new last name ; however, in the email correspondence, I am referred to as XXXX XXXX. I am not sure if the name change has contributed to this delay of my refund.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL 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 non-monetary relief