vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
This account was placed on my credit report by CBE Group ( Original Creditor : XXXX XXXX, Account # XXXX, Amount : {$120.00} ) without any prior notice. I never received the required initial communication or written notice before this account was reported, which is a violation of FDCPA 809 ( a ). Additionally, I formally requested proper validation of this alleged debt well over 30 days ago, and to date, I have not received any response or documentation from this company. Despite this, the account continues to be reported, which is a violation of FDCPA 809 ( b ), as collection activity must cease until proper validation is provided. The most alarming issue is that this same alleged debt is being reported twice on my credit report by another collection agency for the same amount and same original creditor. This constitutes duplicate reporting, which is misleading, deceptive, and a violation of FCRA 623 ( a ) ( 1 ) ( A ), as the information being reported is not accurate or complete. It creates the false impression that I owe multiple debts when only one alleged obligation exists. Furthermore, the furnisher has failed to provide proper validation, including but not limited to : A signed contract or agreement bearing my signature Proof that I am legally obligated for this debt A complete and itemized payment history Proof of assignment or ownership of the debt Documentation showing the authority to collect on behalf of the original creditor Reporting this account without proper validation and while it remains disputed also violates FCRA 611 for failure to conduct a reasonable investigation, as well as XXXX XXXX compliance standards for accurate and consistent reporting. Due to the seriousness of these violations, I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into this companys reporting and collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have a old rent collection from apartments out please years ago and because of this I can not get nowhere to live I'm basically living in a hotel taking care of my mother that has XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for a Capital One Spark Business credit card based on its marketing as a business credit-building product. During the application process, I was informed that I would be personally responsible for the account ( personal guarantee ). However, I was NOT clearly informed that this account would be reported to my personal credit profile under normal circumstances. There is a critical distinction between a personal guarantee and personal credit reporting. I reasonably understood that my personal credit would only be impacted in the event of default or delinquency. Instead, this account is being actively reported to my personal credit file, which directly contradicts the way the product was presented. Additionally, even when reviewing Capital Ones current website for this product, the marketing emphasizes building your credit and business use, but does not clearly disclose that the account will report to a personal credit profile under normal conditions. This reinforces a misleading expectation for consumers. I contacted Capital One multiple times to clarify this issue and was told that this is their standard practice and will not be changed. However, this does not address the lack of clear and transparent disclosure at the time I made the decision to open the account. Had I been properly informed, I would not have proceeded with this application. This creates a misleading expectation for consumers seeking to build business credit without impacting their personal credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
I am submitting a complaint regarding the handling of my private XXXX XXXX by MOHELA. On XX/XX/year>, I contacted MOHELA after receiving a collections notice stating I needed to call before XXXX XXXX regarding my account. During this call, I spoke with multiple representatives and a supervisor to understand my repayment options. I explained that my XXXX XXXX XXXX tied to XXXX XXXX are currently being XXXX under borrower defense through the XXXX v. XXXX settlement, and I asked that this context be considered when discussing my private loans tied to the same enrollment. During the call, I requested information about all available repayment options, including lower payment plans, hardship programs, and temporary relief. I made it clear that I could not afford the payment amount of approximately {$150.00} per month that was offered to me. Despite this, I was not provided with any sustainable or realistic repayment options. I was offered a temporary rate reduction program that still required payments I could not afford, and no long-term solutions were presented that aligned with my financial situation. Additionally, during the interaction, a representative made a dismissive and unprofessional comment implying that my situation was common sense, which was inappropriate given that I was trying to responsibly address my account. I attempted to resolve the issue by asking for escalation and speaking with a supervisor, but no meaningful alternatives or flexibility were provided. I am not refusing to address this debt. However, I am being pressured to agree to repayment terms that are not financially sustainable, and I have not been given a reasonable path to resolve this account responsibly. I am requesting a formal review of my account, consideration of my borrower defense discharge in relation to my private loans, and access to fair and sustainable repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
XX/XX/year> at around XXXX I went to the Chase located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX. I attempted to cash a check that was from XXXX Mortgage who banks with Chase. I had valid Identification including my drivers license, and US Passport. The teller had me to sign the back of the check and then ran it through the system. Then she stated that she could not cash the check and would not give an official explanation as to why. I explained to her that this check was from XXXX XXXX XXXX who issued me a refund. I also showed her the official letter it came within the mail. She did not care and could not verbalize what was happening. She then stated I would have to get in touch with XXXX XXXX because my name was not on their account. When I asked her what should I tell XXXX XXXX about why she wouldnt cash the check, she just shrugged her shoulders and said she didnt know. I did not get her name but she appeared to be XXXX XXXX, medium build, had glasses. She was the only teller in the bank at the time. She then stamped the back of the check with Endorsement Cancelled JPMorgan Chase Bank, N.A .. Now I can not even take the check to my own bank if I wanted to. When I spoke to XXXX XXXX about the incident they apologized multiple times and stated they have never had any issues cashing their checks, and that they would send me a new one. This has caused a huge delay in me receiving my funds, and was also a degrading and embarrassing experience in the bank. There were other customers and staff ( greeter & security ) in the bank at this time and the teller made it seem like I was attempting to conduct business with malicious intentions. I have never been treated like this from any financial institution before and only went to this location as I thought it would be the most efficient, but instead I was treated with disrespect and contempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
Company has called me multiple times, and I addressed this is XXXX, refusal to escalate the issue. Collection attempts still come in, I have asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XX/XX/year> Comenity/Bread Bank received my credit report for a loan I did not request. And a XXXX XXXX was approved & opened for me through this bank. I had never heard of this bank. It was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This correspondence serves as a formal affidavit and final demand for the immediate deletion of fraudulent and unauthorized accounts that have been unlawfully reported on my credit file with your bureau. I am the victim of identity theft. The accounts listed below were opened without my knowledge, authorization, or consent and represent criminal misuse of my personal information. I did not initiate, apply for, nor authorize any of these accounts. Their continued presence on my credit report constitutes a gross violation of my rights under federal consumer protection laws and is directly harming me financially, emotionally, and reputationally. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), this letter acts as an AFFIDAVIT OF IDENTITY THEFT, formally notifying you of the fraudulent nature of these accounts and demanding their full deletion within four ( 4 ) business days of receipt of this notice. This is your legal obligation, and non-compliance will be treated as willful neglect of your statutory duties. As outlined under federal law ( FCRA and FACTA ), you are required to : Promptly block and delete any information resulting from identity theft once notified ; Investigate disputed information and remove unverifiable, inaccurate, or misleading data ; Provide a written response confirming deletions within the time required by law ; Ensure all reporting is accurate, fair, and compliant with all consumer rights. The following accounts are fraudulent and must be removed without delay 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

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: WV

Complaint narrative:
I ordered from XXXX. I sent my money to her and then there seem to be an issue with her store not showing up saying oops there was no products so I canceled my order. They gave me a refund letter. I paid with Cash App Cash App has my purchase under pending, but when contacting Support, they said that it should have one there how long my order is pending for and a date that it will revert back to my account it is called the authorization expiration date? That is currently not available as you can tell about the picture. There are also pictures of the XXXX. XXXX be reporting this to the federal trade commission because apparently somebody has decided that they should I dont know. Keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have been a long time customer for Commenity Bank. I have had and used my card with them for over 20 years. I pay my bill every month and I have spend thousands of dollars with them. Life gets busy. If I am one day late they start calling me. Today I received around 20 phone calls from their call center. When I called them back and ask to speak with the manager the lady was rude and told me that she could not transfer me. Then when I called back and got another representative and I asked him if I could speak with management he told me to please call back in a couple of hours that they system was down. This has happened before and I asked them to please not call me 20 times a day if I am late on a payment. As they can see from my account they always get paid. It is harassment for them to call me 20 times while I am at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My card is XXXX ending XXXX they charged interest two times for the same moonth, thhe first to XXXX and the sendond charge on XXXX satatement.they said i didnt pay the whole balance of the card so they charged the second one.I have paying the montly payment and no skipped one last over 20 years.they decreased XXXX to my credit limit without abt notice for the same balance. I paid for last month $ XXXX but next month ; listed at {$170.00}. This one I donot understand why monthy payent up and down while balance stays same. Additionaly, i would pay the monthy payment just XXXX XXXX.while no using the card any more. I am suffer finance hardship since senior and retired with no income..

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 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not own these accounts ; remove within 15 days per USC 1681g.

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a victim of Identity Theft/Fraud. A fraudulent transaction was made to my Navy Federal credit card account ending in XXXX on XX/XX/2026 in the amount of {$3000.00}. This transaction was made without my consent or knowledge. I contacted Navy Federal & I stated to them the transaction was fraudulent. Navy Federal did an internal investigation & came to their own conclusion it is not fraud. I am appealing, & I am providing/uploading supporting documentation. XXXX. XXXX XXXXXXXX XXXX XXXX Police Report XXXX. Federal Trade Commission ( FTC ) Identity theft report.

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 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I do not accept this response. I previously provided the documentation sent by the company, and my dispute is specifically regarding the adequacy and sufficiency of that validation. The documents provided do not constitute proper validation of the debt. They do not include a signed agreement, a complete set of account statements, or sufficient evidence demonstrating that I am legally obligated for this debt. Additionally, the company has not provided a complete chain of assignment proving their legal ownership. The companys claim that no new information was provided does not eliminate their obligation to conduct a reasonable investigation into the accuracy and completeness of the information being reported. Because the validation provided is incomplete and insufficient, the account remains disputed. Reporting this account without proper verification may violate the Fair Credit Reporting Act. I am requesting that the company either provide full and proper documentation or cease reporting this account to all consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Mr. Cooper has violated the XXXX appeal period by referring my loan to foreclosure on XX/XX/year>. Please review the attached Notice of Error and my request for a temporary FHA Forbearance due to a medical hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am filing this complaint against Monterey Financial Services, LLC regarding an alleged debt for a XXXX XXXX XXXX XXXX membership ( Acct # XXXX ). I have explicitly informed the creditor and the collection agency that I dispute the validity of this debt and have requested a cancellation of the agreement based on a long-standing lack of assistance and cooperation. While Monterey Financial Services provided a copy of a XXXX contract, they have failed to provide the requested proof of authorization to collect on behalf of XXXX XXXX XXXX XXXX. I have formally invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ) to cease and desist all communications, yet the matter remains unresolved. I do not acknowledge responsibility for this debt and demand that all collection activity and credit reporting stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: IL

Complaint narrative:
I am submitting a complaint regarding PayPals restriction of my account and the withholding of {$1000.00} in earned income. I am an independent contractor working as a freelance artist for XXXX XXXX. I receive weekly payments via PayPal for services rendered. I do not sell physical goods, maintain inventory, or operate a retail or e-commerce business. PayPal has placed a limitation on my account and is requiring documentation that is not applicable to my business model, including a business license, supplier invoices, and proof of product fulfillment. As a service provider, I can not provide these documents. Despite contacting PayPal multiple times, I have not received a meaningful resolution. Customer service representatives have failed to properly address the nature of my work or offer alternative verification methods appropriate for freelancers. PayPal is currently holding {$1000.00} of my funds without providing a reasonable or applicable path to resolution. These funds represent legitimate compensation for completed work and are necessary for my financial obligations. I believe PayPals actions are unreasonable and potentially unfair, as they are applying requirements that do not align with my account activity as a service provider. I am requesting : * Immediate review of my account by the appropriate department * Removal of the limitation based on accurate classification of my account as a service-based contractor * Release of the held funds * Clear and appropriate verification requirements for freelancers I request that PayPal provide a timely response and resolution to this matter.

Company response to consumer: Closed with non-monetary relief