vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Filing a complaint against XXXX XXXX due to misleading me with deceptive and deceiving charges of my {$70.00} dollars. I signed up for the {$5.00} fully refundable service to get advice from an expert. No where on their website does it mention anything about {$70.00} dollars during the initial signup. I checked my bank account to verify the {$5.00} dollars came out of my account only to be charged {$70.00} dollars. I then cancelled the services immediately and also noticed they had me in a recurring monthly subscription. I also notified my bank Wells Fargo. The bank submitted a claim on my behalf, but nothing got fixed. I lost my {$70.00} dollars and the bank only responded that I signed up for the initial services. I contacted justanswer.com for refund, but they refuse to give me my money back.

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 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding an inaccurate and unverified collection account reported by Credence Resource Management for {$470.00}, allegedly from XXXX XXXX XXXX. I dispute the validity of this debt. I have not been provided with proper documentation proving that I owe this amount, nor evidence that Credence Resource Management has the legal right to collect on this account. This account was opened on my credit report on XXXX XXXX, 2026, with no sufficient validation provided to me prior to reporting. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested verification of this debt, and the company has failed to provide adequate proof such as a signed agreement, full account history, or itemized charges. Additionally, reporting an unverified debt to credit bureaus is a violation of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is causing harm to my credit profile. I am requesting : Immediate validation of this debt with proper documentation Proof of authorization to collect on behalf of XXXX XXXX XXXX Removal of this account from all credit bureaus if validation can not be provided If this matter is not resolved, I will pursue further action for violations of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
I have already satisfied all statutory requirements for forgiveness. However they are still demanding I continue to make payments ( over payments ) because they are delayed/backlogged in processing. They are causing me to be exposed to unnecessary financial stress with no legal right to do so. They confirmed I made the necessary payments for the program successfully ( see attached documents ) yet because of their lack of proper servicing, I have had to over pay over $ XXXX and they are still expecting me to continue to pay. The servicer has stated that there is a processing backlog, but has nonetheless instructed me to continue making payments beyond the statutory requirement, creating ongoing financial harm. This is against the loan forgiveness program and is an unfair practice.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection accounts listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RC - XXXX , PORTFOLIO RC - XXXX XXXX XXXX XXXXXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
What leads me to make a complaint now, after I was told from Wells Fargo Fraud department and customer service is that account was marked taken care of all the issues that lead to my account closing. I just received a letter in the mail after all I was told that was taken care of, being in the year of XXXX and the issue with my account was in the XXXX. The letter stated that even though they can't legally collect on the debt, and my mind was " what debt '' from what I was told is that it was handled and closed. I spoke to the representative today XX/XX/XXXX and explained, with Wells Fargo been in so much in trouble with all that was done to clients accounts. How is it that I'm now being challenged with this old issue that was told to me that it was settled and not only that in the letter it expressed that it would report it to my credit agencies. I'm still puzzled by the fact of time that have went by and not only that is why all of this haven't been brought to my attention if this is really what Wells Fargo have believed that this is a debt that they wanted to collect before now. Wells Fargo owes me for the pain and suffering that I'm being revisited of this issue that should have been fully resolved. There is record that I did try to obtain a new account due to the fact that being told that my old account was clear. In my own opinion is that Wells Fargo 's representatives aren't fully train to do a complete report/ claim. It is not consumers responsibility to do their job.

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Debt Buying Consultants, LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection accounts listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Complaint Against GM Financial Request for Temporary Payment Relief Due to Inoperable Vehicle I am submitting this complaint regarding my auto loan with GM Financial. I purchased a XXXX XXXX XXXX XXXX in XXXX and have experienced ongoing mechanical issues with the vehicle. Since purchasing it, I have had to take the vehicle in for repairs multiple times. Most recently, the vehicle has been in the repair shop since XX/XX/XXXX and has only recently become available again. During this extended period, I was without use of my vehicle for months. Despite these circumstances, I have continued to make my payments on time. However, due to the length of time without my vehicle and the financial strain this has caused, I am now experiencing hardship and am struggling to maintain payments. I contacted GM Financial to request temporary relief, such as a payment deferment or postponement until I regained use of my vehicle. GM Financial has refused, stating that I do not meet their requirements and that they do not offer hardship assistance or exceptions in my situation. I am requesting that GM Financial review my account and provide a reasonable solution, including : Temporary postponement or deferment of payments Consideration of hardship due to loss of vehicle use Waiver of any penalties related to this situation It is unreasonable to expect continued full payment on a vehicle that has had repeated issues and was unavailable for an extended period of time. I am willing to provide documentation showing the repair history and the time the vehicle was out of service. I am requesting a fair resolution to this matter. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX26, my father sent me {$2000.00} via PayPal to help me financially due to my being laid off in XXXX and still not securing work. PayPal charged a service fee of {$59.00} for that transaction. I then initiated a transfer for the remaining funds in the amount of {$1900.00} from PayPal to my bank account. My bank account had been linked via PayPals AI since XXXX 2023, I was not able to manually input my account information and up to this point had never conducted an ACH transaction with PayPal. I had still not received the funds in my bank account on XX/XX/XXXX and when I checked PayPal it showed completed XX/XX/XXXX. I contacted PayPal and was instructed to contact my financial institution to trace my money. I contacted my financial institution at which point we discovered that the funds were sent to my financial institution, but due to a formatting error, it was missing the last number from my account and as such was deposited into somebody elses account. I have contacted PayPal on numerous occasions, informing them of my banks update, and that the bank requires PayPal to contact XXXX XXXX, as they were the financial institution that PayPal utilized to conduct the ACH transfer, and initiate a letter of indemnity to my financial institution to recall the funds back to my PayPal account. I have also supplied an official letter from my financial institution stating that the funds were not deposited to my bank account. Despite opening a investigation case and multiple appeals, PayPal continues to tell me that the funds were processed successfully. My father has also opened a complaint with PayPal informing them that I never received the money. PayPal has now overdrawn my PayPal account in the amount of {$1900.00} and threatening to remove those funds from my checking account despite having evidence that they never sent the funds to my checking account. I have also contacted XXXX XXXX to see if they could just initiate the return and as PayPal is the originator, PayPal, by law, must initiate the recall of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: CT

Complaint narrative:
I am submitting this supplemental complaint regarding Portfolio Recovery Associates continued reporting of a fraudulent account despite multiple prior complaints, clear documentation, and extended time to correct the issue. I am a documented victim of identity theft and initially notified Portfolio Recovery Associates on or about XX/XX/XXXX, providing an identity theft report and supporting documentation confirming that this account is fraudulent. They have now been in possession of this information for approximately thirty ( 30 ) days. A second notice was submitted approximately fifteen ( 15 ) days ago. Despite these repeated notices, Portfolio Recovery Associates continues to report this account on my consumer credit report. This is not a matter of dispute or ongoing investigation. This is a knowing decision to continue furnishing information that has already been established as fraudulent. Portfolio Recovery Associates is fully aware that this account is the result of identity theft and continues to report it regardless. This conduct demonstrates willful noncompliance with the Fair Credit Reporting Act. Additionally, they continue improper communication practices by using a business address after being notified in writing that such communication is unauthorized and inconvenient. Continued use of this address after notice reflects knowing violations of the Fair Debt Collection Practices Act. This is a pattern of conduct, not an oversight. Portfolio Recovery Associates has been given multiple opportunities to correct this issue and has chosen not to do so. Their actions are causing direct and ongoing harm. As a victim of identity theft, I am being forced to deal with the continued reporting of a fraudulent account, which is negatively impacting my credit and my ability to obtain housing and mortgage financing. This harm is real, measurable, and ongoing. At this point, each additional instance of reporting constitutes a separate and continuing violation. I am requesting immediate intervention and that Portfolio Recovery Associates be required to : Immediately delete this account from all consumer reporting agencies ; Cease all reporting and collection activity ; Cease all communication to any business address ; Provide written confirmation of compliance. Given the length of time and multiple notices already provided, any continued reporting of this account will be treated as willful misconduct. If this matter is not corrected immediately, I will proceed with legal action to recover all available remedies, including actual damages resulting from the harm being caused, as well as all additional damages permitted under federal law. This matter requires immediate correction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 XXXX XXXX XXXX XXXX XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to RECEIVABLE MANAGEMENT SERVICES under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to RECEIVABLE MANAGEMENT SERVICES, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

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 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I've contacted my mortgage company XX/XX/XXXX due to losing my job and was granted forbearance. From XX/XX/XXXX to XX/XX/XXXX and today I have requested assistance with bringing my account current and setting up a repayment plan as I was able to make payments on my mortgage due to being employed again after 8 months. During this process, I had to request multiple escalations due to repeated issues with representatives providing inconsistent and, at times, inaccurate information. Throughout the conversations, I clearly communicated that I have the financial ability to make increased monthly payments in order to bring my account current. Despite this, my requests for a repayment plan were denied without what I believe to be a clear or accurate justification. I was informed that I do not qualify, yet the explanations provided did not align with the financial information I shared. Additionally, I experienced what felt like being given the runaround, as each representative provided different guidance, requiring me to repeatedly restate my situation and request escalation for further review. This created significant confusion and delayed any meaningful progress toward resolving the delinquency. My primary goal remains to retain my home and resolve the past-due balance. However, based on todays interactions, I am concerned that I am not being given a fair or transparent opportunity to do so, despite demonstrating willingness and stated ability to make higher payments to cure the default. I am requesting a clear, accurate review of my financial situation and a reconsideration of my eligibility for a repayment plan, along with consistent and reliable communication moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: FL

Complaint narrative:
I discovered a new collection from Plaza Services LLC ( {$2600.00} ) on my credit report today, XX/XX/year>. This company has never sent me a mandatory validation notice ( G-notice ) as required by Regulation F, likely because they are using an outdated Massachusetts address despite my XXXX XXXX in Florida. I have attempted to call their published line multiple times today and sent two emails to verify this debt, but they have not answered. I am disputing the accuracy of this balance and their failure to provide legal notification before reporting. I request immediate validation or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I was notified 12 years later that I had a {$600.00} debt that I knew nothing about and was never contacted for this debt by a collector that is not the original owner

Company response to consumer: Closed with explanation