vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
XX/XX/XXXX - I signed up for a free trial of XXXX XXXX home internet. I spoke with the customer service representative who signed me up and he assured me there was a XXXX trial for the service and if I wasn't satisfied there would be no charges. 

Week of XX/XX/XXXX - I received the equipment and set it up. I did not get sufficient coverage and called to close the account and have the equipment sent back. I again verified that there would be no charges and was assured by the representative that as long as the equipment is received there would be no outstanding charges. So i returned the equipment using their provided shipping label and packaged the return as was requested. 

XXXX - XXXX : I received XXXX bills stating I still owed XXXX XXXX. Both times I called and spoke with the customer service representatives, explained my situation, and was again assured I had no active charges as the return was still be processed and was told not to worry about it. 

XX/XX/XXXX : I receive a notice via mail from Harris & Harris , Ltd debt collections regarding a past due payment to XXXX XXXX of {$79.00}. I immediately filed an online dispute regarding the debt and spoke ( can provide documentation ) and spoke with XXXX XXXX XXXX Harris & Harris ) who " per his manager XXXX '' stated there was no account listed and it was written off. 

XX/XX/XXXX : I again called Harris and Harris , Ltd and spoke with XXXX who stated the account was no longer with Harris & Harris and said to call XXXX XXXX. I called XXXX XXXX who has no record of the account and couldn't provide any more information because it was sold off. I was told to wait a few days to see if XXXX XXXX was updated. 

XX/XX/XXXX - I called Harris & Harris who again confirmed the debt was not with them. I then called XXXX XXXX who states the debt is now with XXXX XXXX. I called XXXX XXXX who has no record of me, my account, or my debt. I called XXXX XXXX and spoke with manager XXXX who stated she could not provide written verification of my charges and states she doesn't know where my account went as it is closed on her side. 

I am wrongly being targeted for debt collection. Not a single company can provide me written proof of charges nor valid information regarding what I owe or to whom I owe it. I will be seeking legal services from an attorney for the wrongful debt collection as well as the wrongful negative impact to my credit history and will be filing disputes with credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Paid {$1000.00} on my Barclay Credit card on XX/XX/year> and on XXXX they reduced my credit limit so I would be over my limit and charged me for being over the limit. This is fraudulent way to make money with not advising me before my monthly payment was due.

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 2026-01-26 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Date of Transaction : XX/XX/year> Companies Involved : PayPal and Synchrony Bank On XX/XX/year>, I attempted to complete a purchase using my existing PayPal Credit line. During the checkout process, the user interface was designed in a way that conflated a standard login for an existing credit line with a new credit card application for a PayPal Mastercard ( Synchrony Bank ). I explicitly did NOT select a new credit card option.

The interface asked for 'preliminary ' information that I believed was for identity verification for my existing account. Instead, this resulted in a non-consensual enrollment in a new credit card account and an unauthorized hard inquiry on my credit report.

I have attempted to resolve this with both companies to no avail. PayPal customer service stated they have no visibility into Synchrony Bank accounts, and Synchrony Banks automated phone system has made it impossible to reach a human representative to dispute this unauthorized account.

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 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I have made repeated attempts to contact MOHELA by phone and secure message regarding a refund owed to me in the amount of {$420.00}, without success. 

The {$420.00} payment was made toward my federal student loan for XX/XX/XXXX, a month that was later placed into forbearance, making the payment ineligible and refundable. I was informed that I should receive a refund for this amount. 

I first submitted a formal refund request on XX/XX/XXXX. However, the original overpayment occurred in XX/XX/XXXX, meaning this issue has now remained unresolved for nearly XXXX YEARS. 

Since my initial request, I have contacted MOHELA numerous times by phone and secure message. I escalated the issue in XX/XX/XXXX and again in XX/XX/XXXX. I spoke with a MOHELA resolution officer on XX/XX/XXXX, and again on XX/XX/XXXX ( XXXX, extension # XXXX ). Despite these escalations and assurances, no refund has been issued and no written resolution has been provided. 

I have also sent multiple secure messages through the MOHELA website as instructed and have not received any response. I previously submitted a complaint regarding this issue, yet the matter remains unresolved. 

MOHELAs failure to process this refund or provide timely communication has resulted in an unreasonable delay approaching XXXX YEARS, despite repeated attempts to resolve the issue through all available channels. I am requesting CFPB assistance to obtain the refund owed and written confirmation of resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
This collection account is being reported inaccurately due to illegal re-aging. The underlying debt resulted in a judgment filed in XXXX. I never made any payments after the judgment. Under the Fair Credit Reporting Act, the Date of First Delinquency must be XXXX or earlier. 

The debt was later sold and re-reported by the current collection agency with an account opened date of XX/XX/XXXX, which does not legally reset the reporting period. I disputed this twice through the credit bureaus and requested verification of the Date of First Delinquency and balance accuracy. The company verified the account without providing documentation or proof supporting the reporting. 

This constitutes unlawful re-aging and false representation of the debt. I am requesting immediate deletion of this account from all credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
Attached please find the information that you requested supplied by the creditor. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Toll Free : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



This is an attempt by a debt collector to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. 



IMPORTANT : If you have received this email by mistake, please let us know by email reply and delete it from your system. You may not copy this message or disclose its contents to anyone. 

amount : {$9000.00} I was in XXXX  in XXXX XXXX when account was opened up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX Credit Bureau : XXXX  RE : DEMAND FOR DELETION OF INACCURATELY REPORTED CLOSED ACCOUNTS Account Name ( s ) : XXXX, Santander Account Number ( s ) : XXXX, XXXX To Whom It May Concern, I am disputing the accuracy and reporting of the above-referenced closed accounts currently appearing on my credit report.

These accounts are being reported with inaccurate information, including but not limited to : Incorrect payment history Inconsistent reporting across bureaus Incomplete or misleading status details Under FCRA 611, any account that can not be fully verified as accurate and complete must be deleted from my credit file.

I am requesting that you provide proper verification for each account, including : Original account agreement Complete payment history Proof of reporting authority Evidence of accuracy at the time of reporting If this information can not be provided, I am formally requesting immediate deletion of these accounts from my credit report.

Please be advised that re-reporting inaccurate or unverifiable data after this dispute may be considered willful non-compliance with federal law.

I expect written confirmation of deletion or correction within the required 30-day investigation period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
So this is in addition to case # XXXX XXXX. After you guys informed them of the case, and I paid the card off also, a guy with a vey strong accent has called during business hours and has told me to call back. When I call back, when my job allows it...... I go straight to voicemail. I stated in my messages, I need the XXXX removed. That will bring the card to a XXXX balance. I checked today..... still XXXX balance. His outgo voicemail states it will be up to 2 business days before he returns the phone call. That # I am calling from his voicemail to me..... after you guys got involved he has called... anyways that phone # is XXXX ext XXXX. You call it as his voicemail to me requested..... straight to voicemail..... up to 2 days to return call....... left him voicemail back..... still XXXX balance and its XX/XX/year> now..... just checked balance

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am disputing this account because it is the result of identity theft. I did not open, authorize, or benefit from any account with XXXX XXXX, XXXX, or any debt now claimed by Velocity Investments , LLC. 

Disputed account details : Original Creditor : XXXX XXXX, XXXX Current Creditor : Velocity Investments , LLC Reference Number : XXXX Account Number : XXXX Amount : {$1400.00} This account was opened fraudulently without my knowledge or consent. I never entered into a contract for this debt. I request that the company cease collection activity, conduct a proper investigation, and remove this account from my credit report under the Fair Credit Reporting Act. 

I can provide an FTC Identity Theft Report and supporting documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
On or about XX/XX/XXXX and again in XX/XX/XXXX, I reviewed my credit reports and identified inaccurate information being reported by Opportunity Financial regarding an installment loan account. The account status is being reported inaccurately and does not reflect a proper investigation or verification of the information being furnished to consumer reporting agencies. 

I previously contacted the company and requested that the inaccurate reporting be reviewed and corrected. Despite this request, the account continues to be reported with an incorrect status, causing ongoing harm to my credit profile. The reporting has not been corrected, and no adequate explanation or resolution has been provided. 

The continued reporting of inaccurate account status indicates that a reasonable reinvestigation was not conducted. I am requesting that Opportunity Financial properly investigate this matter and ensure that only accurate and verifiable information is reported to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have repeatedly reached out to Experian llc for about six months now since about XXXX of 2025 with no success. My credit file has been hijacked and I have no way of remedying this because they can not be contacted nor though their website or the phone .. A identity theft report was filed but still can not reach this credit reporting agency.

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 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I paid {$60.00} on XX/XX/year> through Cash App to a merchant for jackets. The merchant never provided a tracking number or proof of shipment, and the package was never received. 
I filed a dispute for non-delivery of goods. Cash App denied my claim despite the merchants failure to provide tracking or delivery confirmation. 
I attempted to request escalation to a supervisor through chat support, but escalation was refused and the chat was ended without resolution. 
I am requesting review of the denied dispute, a written explanation for the denial, and reconsideration based on non-delivery of goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY

Complaint narrative:
My husband and I send our mortgage and vehicle payments via Moneygram and have for years. In XX/XX/year>, our mortgage company called and said that something looks different with our payments and they werent fully processing. We immediately called our vehicle loan lender, who said the same thing. We contacted Moneygram, their response was that the payments didnt process. They never contacted us to inform us that our last 3 months of payments did not process. No phone call, no email, no letter. They did however inform us that they had issued a refund check that was delivered via XXXX  ( no tracking information ) in the amount of our unprocessed transactions. They mailed the check to an address that isnt ours and the check was signed for by an individual at that residence, per Moneygram. They would not disclose whether or not the check had been cashed. We asked them to cancel the check so that another could be reissued to our correct address. Their response was that we would have to come to the XXXX, XXXX  headquarters to verify our identity first. We live in XXXX. We have had no resolve and weve waiting patiently over the last several months. Each time my husband calls for an update, he is told that there is no new information to provide. 
Due to our payments not processing and Moneygram not informing us as such, our vehicle lender ordered a repossession and picked up our vehicle this past Saturday. We made our account current as quickly as we learned that our payments didnt process but our contract had already been breached. I feel that Moneygram shouldve informed us that there was an issue with our transactions. Moneygram shouldve also verified our address before mailing a several XXXX dollar check. Moneygram shouldve been more supportive and helpful throughout this process and more forthcoming with all steps being made to ensure that we receive our money due. And Im absolutely not flying to XXXX to fix someone elses mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
This letter serves as a formal and final request factual validation of the alleged XXXX XXXX account you are reporting under my name. I dispute this account in its entirety. 

The document you provided a billing statement from your client, XXXX XXXX does not constitute verifiable evidence under the Fair Credit Reporting Act ( FCRA ). A billing statement alone does not establish ownership, responsibility, or legal obligation, nor does it prove that I ever resided at, leased, or received services at the alleged service address. 

To date, you have failed to provide any competent documentation demonstrating : - That I ever resided at the referenced property - That I entered into any agreement with XXXX XXXX - That I authorized utility service at that address - That I am the lawful account holder - That you possess the legal right to collect or report this alleged debt Additionally, during my own investigation, I was advised that the referenced property was not occupied and was not leased during the time period of the alleged service. Therefore, it is factually and logically impossible for me to have had utility service at that location. 

It is not my responsibility to file a police report, identity theft affidavit, or any other documentation when neither your company nor the original creditor conducted a proper investigation to confirm residency, tenancy, or authorization prior to reporting this account. The burden of proof lies solely with you, not the consumer. 

Your continued reporting of this account without proper verification constitutes a violation of : - FCRA 611 ( a ) Failure to conduct a reasonable investigation - FCRA 611 ( a ) ( 7 ) Failure to provide the method of verification - FCRA 623 ( a ) Reporting information that is inaccurate or can not be verified Unless you can provide competent, documentary evidence, including but not limited to : - A signed service agreement or application bearing my signature - Proof of residency or lease documentation - Complete account history from opening through charge-off - Proof of your legal authority to collect and report this debt you are required by law to immediately delete this account from all credit reporting agencies. 

Should you continue to report this unverified and uninvestigated account, I am prepared to file suit for willful noncompliance under the Fair Credit Reporting Act, including but not limited to claims under FCRA 611 ( a ) ( 7 ) and 616, and to seek all available remedies.

This letter is not an acknowledgment of any debt, nor an agreement to assume responsibility. This is a formal demand for deletion. 

Govern yourself accordingly.

Company response to consumer: Closed with explanation