vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am disputing inaccurate reporting by MOHELA regarding my student loan account. My account was in an approved forbearance through XX/XX/scrub> 2026, as shown in the attached documentation from MOHELAs own account summary. Despite this, MOHELA is reporting my account as XX/XX/XXXX days past due with a past due balance of {$4700.00}. This is incorrect. Accounts in forbearance should not be reported as delinquent. I have attempted to resolve this directly with MOHELA and throughXX/XX/XXXX disputes without success. I am requesting : Immediate correction of the delinquency reporting Removal of any late payment history associated with this period Updated reporting to reflect accurate account status ( forbearance/current ) This inaccurate reporting is negatively impacting my credit and must be corrected under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Klarna AB
State: TX

Complaint narrative:
I am filing a complaint against Klarna regarding an unfair denial of access to their Pay Over Time service. I was denied based on what appears to be a single late payment and internal scoring criteria that do not fairly reflect my overall payment behavior. While I acknowledge that XXXX payment may have been late, I ultimately made the payment and paid off the remaining balance early, demonstrating that I am both willing and able to meet my financial obligations responsibly. Klarnas decision fails to take into account the full context of my repayment history. Instead, it appears their system disproportionately penalizes a minor issue while ignoring the fact that the account was brought current and fully satisfied ahead of schedule. Additionally, the denial notice relies on vague and generalized explanations tied to credit reporting and internal scoring models, without providing a clear or specific justification that reflects my actual behavior. This lack of transparency makes it impossible to understand how the decision was made or how to improve eligibility. Consumers should not be excluded from financial services based on isolated, minor payment issues, especially when the overall outcome shows responsible repayment. Klarnas approach appears overly rigid and does not align with fair and reasonable lending practices. I am requesting that the CFPB review Klarnas underwriting and decision-making process for Pay Over Time services, particularly how they weigh late payments versus successful repayment outcomes. I am also requesting that Klarna : XXXX a manual and fair review of my eligibility Properly consider my early payoff and overall repayment behavior Provide a clear, accurate, and specific explanation for their decision This denial is unjustified given my demonstrated ability to repay and has caused unnecessary frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
I filed claim XXXX with cfpb. My case was closed. Here are notes from my case On XX/XX/XXXX 2026 I received a call from the XXXX number of cash app the individual told me they were with the cash app fraud department and they verified what I had in my savings what my email was and I told them I wasn't sure they were who they said they were so they sent me a text to verify that they were with cash app so then I believe them they asked for my PIN to my account so they can move the money out of my savings and told me they would put it right back with someone from XXXX was trying to hack my account little did I know I was talking to a scammer who was hacking my account they took {$680.00} out of my savings on cash app put it and transferred the total amount I had in my account of {$690.00} I have sent you screenshots of the person that did the scam to me I did not give them access or authorization to do this I have turned this into Cash app and they are denying my investigation Attachments XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) Cash app sent me an email on XX/XX/XXXX stating they approved dispute and wanted mailing address. I sent it to them. On XX/XX/XXXX they stated they put check request in. I followed up with email yesterday and they responded today XX/XX/XXXX that my cash app account closed and that means dispute closed. I still have never received money they owe me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: GA

Complaint narrative:
I am submitting this complaint because multiple debt collection agencies appear to be engaging in a pattern of unlawful debt collection practices and inaccurate credit reporting in violation of the FDCPA and FCRA. After I formally disputed the alleged debts and requested validation under 15 U.S.C. 1692g, the companies failed to provide legally sufficient documentation proving I have any contractual or legal obligation, including a signed agreement, full chain of title, bill of sale or assignment, complete account balance, and proof of their authority to collect. Despite this, they continue collection efforts and/or report information to credit bureaus without verifying its accuracy. This conduct may constitute willful noncompliance with federal law, including violations of the FDCPA ( 15 U.S.C. 1692g, 1692e, 1692f, 1692c ) and the FCRA ( 15 U.S.C. 1681s-2, 1681e ( b ), 1681i ). Additionally, failure to follow Metro 2 reporting standards by reporting inaccurate or unverified information may result in further regulatory violations and civil liability. Overall, these actions suggest a pattern of attempting to collect debts without proper documentation while furnishing potentially inaccurate information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year>, I received a written settlement agreement from XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, offering to resolve the account for {$180.00}. This agreement was provided in writing and clearly outlined the settlement terms. On XX/XX/year>, I attempted to make payment in accordance with that agreement. However, I was informed that XXXX no longer had the account and that it had been reassigned to Resurgent/LVNV. Due to this internal reassignment, I was prevented from completing payment on the agreed settlement. When I contacted Resurgent, I was told the settlement amount was now {$380.00}, which is significantly higher than the written agreement previously provided. This is a misrepresentation of the amount owed and an unfair and deceptive collection practice. I relied on a written settlement agreement and attempted to fulfill it within 24 hours, but was prevented from doing so because the companys internal actions. I am requesting that LVNV Funding LLC honor the original written settlement agreement of {$180.00} and proceed accordingly, including deletion of the tradeline as stated in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am submitting this complaint because multiple debt collection agencies appear to be engaging in a pattern of unlawful debt collection practices and inaccurate credit reporting in violation of the FDCPA and FCRA. After I formally disputed the alleged debts and requested validation under 15 U.S.C. 1692g, the companies failed to provide legally sufficient documentation proving I have any contractual or legal obligation, including a signed agreement, full chain of title, bill of sale or assignment, complete account balance, and proof of their authority to collect. Despite this, they continue collection efforts and/or report information to credit bureaus without verifying its accuracy. This conduct may constitute willful noncompliance with federal law, including violations of the FDCPA ( 15 U.S.C. 1692g, 1692e, 1692f, 1692c ) and the FCRA ( 15 U.S.C. 1681s-2, 1681e ( b ), 1681i ). Additionally, failure to follow Metro 2 reporting standards by reporting inaccurate or unverified information may result in further regulatory violations and civil liability. Overall, these actions suggest a pattern of attempting to collect debts without proper documentation while furnishing potentially inaccurate information to consumer reporting agencies.

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 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
They filed against me in court my wages were garnished my work took XXXX out of my checks ending that in XX/XX/XXXX and sent the company their money. I am still trying to get a release from them. I finally spoke to someone at XXXX and XXXX as Midland Credit Managemt Inc stated they moved it to there, and that I owed {$150.00} still. I said no one notified me. I paid by bank card and {$150.00} has came out of my account already and the lady stated they will not give me a release for 21 days. I am working with my mortgage company and need that. They have held up a process for over 7 months after getting their money. Not sure where the {$150.00} came from. When I called XX/XX/XXXX at XXXX am The lady said there is nothing I can do about and its my opinion I did get a supervisor name from her XXXX XXXX XXXX The above complaint was closed I still have no release since have called midland and XXXX and XXXX several times as recent as today XXXX XXXX XXXX XXXX spoke to midland -XXXX XXXX -reports can not speak to or give me any information on account supervisor - XXXX XXXX XXXX XXXX call XXXX spoke to XXXX -thats how it goes- called midland again XXXX requested to speak XXXX XXXX XXXX XXXX supervisor - XXXX XXXX spoke to Boss - XXXX XXXX - located in XXXX consumer report team reports she sees payment was made on XX/XX/XXXX notifying - system issue emailing law firm with internal communication called law firm with XXXX from midland to XXXX at XXXX XXXX in XXXX minnesota XXXX told XXXX payment of {$150.00} was received on XX/XX/XXXX and she would be sending internal email XXXX confirmed email stated release could be emailed once their notified and lawyer looks over XXXX spoke to XXXX had to remind of notes from last week with XXXX reports he sees those notes from XXXX put on hold for 12 mins stating let me get this closed out - got back on line reports he sees nothing from midland and will not provide release

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. The account below is incorrect : Creditor/Collection Agency : XXXX XXXX XXXX XXXX Account Balance : {$3000.00} Reported Open Date : XX/XX/XXXX This account is being reported as a newly opened collection in XXXX. However, the original delinquency for this account occurred in XX/XX/XXXX. By reporting this account with a recent open date, it appears that the account may have been improperly re-aged. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting of the Date of First delinquency. Because this information is inaccurate, I request the Removal of this account entirely. Please investigate this matter and correct or delete this account promptly. I request that you provide me with written confirmation of the results of your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am submitting this complaint because multiple debt collection agencies appear to be engaging in a pattern of unlawful debt collection practices and inaccurate credit reporting in violation of the FDCPA and FCRA. After I formally disputed the alleged debts and requested validation under 15 U.S.C. 1692g, the companies failed to provide legally sufficient documentation proving I have any contractual or legal obligation, including a signed agreement, full chain of title, bill of sale or assignment, complete account balance, and proof of their authority to collect. Despite this, they continue collection efforts and/or report information to credit bureaus without verifying its accuracy. This conduct may constitute willful noncompliance with federal law, including violations of the FDCPA ( 15 U.S.C. 1692g, 1692e, 1692f, 1692c ) and the FCRA ( 15 U.S.C. 1681s-2, 1681e ( b ), 1681i ). Additionally, failure to follow Metro 2 reporting standards by reporting inaccurate or unverified information may result in further regulatory violations and civil liability. Overall, these actions suggest a pattern of attempting to collect debts without proper documentation while furnishing potentially inaccurate information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Incorrect XXXX Reporting Bank of America Complaint : Bank of America is reporting my closed account to XXXX as Suspected Fraud Activity with a balance of {$28.00}. I dispute the accuracy of this reporting. I have requested verification of the alleged fraud activity, but no documentation has been provided to support this claim. This reporting is damaging my ability to obtain basic banking services. Under the Fair Credit Reporting Act, information reported to consumer reporting agencies must be accurate and verifiable. I am requesting that Bank of America either provide documentation proving the alleged fraud activity or request the immediate deletion of this entry from 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 2026-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Branch Messenger, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I lost my Uber Pro Card and phone at a mall. Shortly afterward, multiple unauthorized transactions were made using my card through XXXX XXXX, totaling approximately {$490.00}. The charges include : XXXX XXXX XXXX XXXX {$150.00} XXXX {$97.00} XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX XXXX$26.00} XXXX {$6.00} XXXX {$24.00} XXXX XXXX XXXX {$27.00} XXXX XXXX {$92.00} XXXX {$15.00} XXXX XXXX XXXX XXXX {$17.00} XXXX {$6.00} I did not authorize any of these purchases. When I first filed disputes with the company, they denied both disputes on XX/XX/XXXX and XX/XX/year>, stating that the transactions were completed using biometric verification ( Face ID or fingerprint ) and therefore assumed I authorized them. After I filed complaints with the CFPB regarding these disputes, the company sent additional emails on XX/XX/year>, essentially repeating the same denial message for both sets of transactions. This shows a pattern of failing to properly investigate unauthorized transactions and relying solely on XXXX XXXX biometric authorization, despite the fact that my card and phone were lost/stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: RI

Complaint narrative:
I am disputing a debt being reported and collected by XXXX XXXX XXXX XXXX XXXX XXXX, currently for approximately {$4200.00}. I enrolled in a medical billing and coding program through this school. However, the program was abruptly shut down without proper notice shortly before completion. The instructor and program XXXX were terminated, the program was removed from the website, and students were left without the ability to complete the coursework or take the required certification/state testing. I did not receive the services that were paid for, nor was I given the opportunity to complete the program or obtain certification. Despite this, the company is attempting to collect the full balance and has placed this account in collections. Since 2022, I have been contacted repeatedly by a third-party collector ( XXXX XXXX XXXX XXXX RFGI ), including frequent phone calls from different numbers and repeated voicemails. I have attempted to resolve this directly with the company and requested validation of the debt and fair resolution options. However, they have continued collection efforts without properly addressing the fact that the program was never completed due to their actions. I believe this debt is not valid because the services were not delivered as agreed. I am requesting that this account be fully investigated, removed from all credit reporting agencies ( XXXX XXXX XXXX XXXX ), and that all collection activity cease immediately. This situation has negatively impacted my credit and financial stability for several years.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am complaining about XXXX Ones handling of multiple unauthorized transaction claims. Capital One sent me emails confirming it received these claims and that they were under review : Claim XXXX, account ending XXXX, received XX/XX/year>, for {$3700.00} Claim XXXX, account ending XXXX, received XX/XX/year>, for {$5900.00} Claim XXXX, account ending XXXX, received XX/XX/year>, for {$7200.00} Claim XXXX, account ending XXXX, received XX/XX/year>, for {$1600.00} On XX/XX/year>, I called Capital One and was told that all of these disputes had already been reviewed and denied. However, I had not received any written denial notice, explanation, or supporting documentation. This contradicted the written emails saying my claims were received and being worked on. My concern is that Capital One appears to have denied my unauthorized transaction claims without properly notifying me in writing and without providing the basis for the decisions. I am also concerned the bank may not have followed the required procedures for investigating and resolving these claims. I want Capital One to provide, in writing, the status of each claim, the date each claim was reviewed and denied if applicable, the date any denial notice was sent, the reason for each denial, and the evidence relied on. I also want the claims reinvestigated if decisions were made without proper notice or without a complete and lawful review.

Company response to consumer: Closed with explanation