vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX 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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I have XXXX on my vehicle and I paid for through my lease agreement and they are hiding my vehicle and going against federal court order and they were supposed to return my vehicle but havent yet all the information has been submitted to the bankruptcy court in Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute a collection account from TRANSUNION that is being reported on my credit file, which I do not recognize. XXXX XXXX # XXXX date opened was XX/XX/XXXX and XXXX XXXX XXXX # XXXX date opened was XX/XX/XXXX, these are the accounts I do not recognize, I have no knowledge of these accounts and did not authorize any party to report it. I contacted the collection agency asking for the proper validation but they did not provide me. The reporting of these accounts violates 15 U.S.C. 1681b, which prohibits the reporting of accounts without permissible purpose and my authorization. This also violates 15 U.S.C 1681e ( b ) for reporting an unverified information that takes away the maximum possible accuracy of the report. This unrecognized collection account is severely affecting my credit score and is lowering my chances of being approved for loan applications. I request immediate investigation into this matter and the removal of this unrecognized collection account from my credit report. Please provide written confirmation once this has been resolved. 
Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/year> I made XXXX purchases from XXXX XXXX XXXX XXXX XXXXXXXX for {$55.00} and the other for {$200.00}. Wells Fargo cleared the {$55.00} they credited back BUT the {$200.00} they are NOT helping me with. I have already filed a complaint this morning with the FTC against XXXX XXXX ' XXXX. 

I have never had such a problem with Wells Fargo and we have banked with them when they were XXXX. 

I think Wells Fargo is going down very fast.

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 monetary relief
Consumer complaint received 2026-01-22 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: MD

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am requesting debt validation for the above-referenced Affirm account. I have not received sufficient documentation showing that this debt is accurate and enforceable. Specifically, I have not been provided with a copy of the original agreement, a detailed transaction history, or proof that the reported balance is correct. Despite the lack of validation, this account continues to be reported, which I believe is improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Portfolio Recovery Associates. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Portfolio Recovery Associates is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
My federal student loan servicer, MOHELA, erroneously marked my account as in default and reported this status to the credit bureaus, despite my loans not meeting the criteria for default. This incorrect default designation occurred without proper notice and was later acknowledged as an error. 

As a direct result of this servicer error, my account status and billing were improperly changed. Prior to the erroneous default designation, my monthly payment was approximately {$130.00} under my existing repayment plan. Following the incorrect account status change, my monthly payment was recalculated to {$430.00}. I did not request or authorize any change to my repayment plan, and I was not provided a lawful explanation or advance notice for this increase. 

After discovering the issue, I contacted MOHELA to dispute the error and requested reinstatement of my prior repayment plan, reversal of any payment recalculations or interest capitalization resulting from the error, and correction of any inaccurate credit reporting. I also requested administrative forbearance or billing suppression while the dispute is under review so that I am not penalized for amounts caused by the servicers mistake. 

Despite these actions, my account continues to reflect the higher payment amount, and the error has not been fully resolved. I am disputing the accuracy of the current payment, account status changes, and any related credit reporting that resulted from the erroneous default designation.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: WA

Complaint narrative:
Has repeatedly called very early in the morning while I was asleep. Called multiple times a day. Have told them the debt is not owed and they continue to harass me. They have called me on XX/XX/XXXX and XX/XX/XXXX before at almost XXXX XXXX on the dot PST. I told them several weeks ago ( Do not remember specific date ) that the debt is not owed for services not rendered. Name of company is A.R.M. Solutions collecting on behalf of XXXX XXXX XXXX. Both companies are Scam Artists

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint regarding my Best Buy store credit card issued by Citi Retail Services. 

In XX/XX/year>, I purchased a laptop using a promotional no interest offer. I made consistent, on-time monthly payments throughout the promotional period. At the time the promotion ended, my remaining balance was approximately {$130.00}. Shortly after, mor {$470.00} in deferred interest was added to my account, increasing the balance to approximately {$570.00}. 

I was not clearly informed that interest was accruing during the promotional period and would be retroactively applied if even a small balance remained. Had this been clearly disclosed or emphasized, I would have paid the remaining balance in full before the promotion expired. I acted in good faith based on my understanding of the promotion and my consistent payment behavior. 

I made multiple attempts to resolve this matter through the Best Buy Account Online secure messaging system, requesting a one-time courtesy adjustment based on my positive payment history and financial hardship. During this period, I experienced an unexpected accident and am currently unemployed, which significantly impacted my finances. 

Instead of addressing my request, XXXX XXXX repeatedly redirected me between departments, stated that responses were posted when no response was visible, and ultimately refused to address the matter in writing. Their most recent response provided only a generic explanation of what a revolving credit account is, followed by instructions to call customer service. This did not address my concern, did not review the deferred interest charge, did not consider hardship, and did not resolve the issue. 

Due to communication difficulties by phone, I specifically requested written handling, which was repeatedly denied. I am not disputing the legality of deferred interest, but rather the lack of clear promotional disclosure, the misleading nature of the no interest offer as presented, and the companys failure to provide meaningful written review or resolution despite multiple good-faith attempts.

I am requesting that Citi Retail Services conduct a proper written review of my account and consider a partial or full courtesy reversal of the deferred interest, or provide an alternative fair resolution

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bayside Recovery Services, Inc.
State: OH

Complaint narrative:
BAYSIDE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research BAYSIDE XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/year>XXXX  I attempted to make a {$170.00} purchase at XXXX XXXX  in XXXX, SC using my XXXX  debit card. The merchants terminal was down and I was told to leave the store without completing payment. 

At that time my XXXX  balance was only {$17.00}. No authorization for {$170.00} could have been approved. 

Four days later XXXX  posted a delayed transaction related to this failed purchase. Instead of declining the charge for insufficient funds, XXXX  processed a partial debit of {$17.00} and then created an account recovery debit for the remaining {$160.00}, putting my account negative. 

XXXX  then recharacterized the original {$170.00} transaction so that only {$17.00} appears as a merchant charge, with the remaining {$160.00} shown as a XXXX  account recovery. This prevents the full transaction from being disputed as a merchant charge. 

I disputed this transaction. XXXX  issued a temporary credit and then reversed it, reclaiming {$18.00} and {$160.00}, even though they never produced the merchant authorization, settlement timing, or any proof that a valid authorization existed for the {$170.00} charge. 

XXXX  denied the dispute stating my information was inconsistent, but they refused to provide the authorization record, delayed presentment details, or an explanation for why only {$17.00} was captured from the merchant and the rest was taken directly by XXXX. 

This is a failure to properly handle an unauthorized or improperly authorized debit card transaction and a failure to provide required investigation records under Regulation E.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: AL

Complaint narrative:
PNC is requiring " agreement '' to all future electronic statements in order to log into your account. I do not consent to all electronic statements. They will not let me login to their online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: CA

Complaint narrative:
I initiated a Transfer of Equity on my XXXX lease on XX/XX/year>, after XXXX XXXX XXXX represented the process would take approximately 46 weeks. 

XXXX XXXX XXXX  required physical submission of documents and provided a prepaid USPS envelope for that purpose. I timely submitted all required documentation using the method XXXX specified. 

XXXX XXXX XXXX later advised that the documents were lost, attributing the issue to USPS, and required resubmission.

The delay now materially exceeds the stated timeframe and is due solely to XXXX XXXX XXXX  handling and their chosen delivery method. I have fully complied with all requirements. 

XXXX XXXX XXXX  has refused to take responsibility for the failure of its selected carrier and has effectively restarted the process, causing unreasonable delay, financial exposure, and restriction of my ability to manage or transact on the account. 

I am requesting immediate completion of the Transfer of Equity, written confirmation that my account will not be adversely affected due to XXXX XXXX XXXX delay, and appropriate remediation for the inconvenience and financial impact caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I AM COMPLAINING FOR THE CLOSURE OF MY ACCOUNT. MY ACCOUNT WAS CLOSED FOR INVALID REASONING AFTER BANKING WITH CAPITAL ONE FOR OVER 6 YEARS ON ONE ACCOUNT AND 4 YEARS ON THE OTHER. I MUST HAVE BOTH OF MY ACCOUNTS REINSTATED AND REOPENED. HERE IS THE SITUATION, ON THE ACCOUNT ENDING IN XXXX I HAVE DONE A 0 % BALANCE TRANSFER AND PAID OFF MY OTHER CARDS WHICH MAXED OUT MY LIMIT ALMOST BUT THAT WAS THE WHOLE POINT OF THE BALANCE TRANSFER. MY OTHER CARD XXXX WAS SPENT ABOUT {$1500.00} AND I PAID IT FOR {$1500.00} AND SAW " AVAILABLE CREDIT '' GO UP TO {$7900.00}. THIS CAUSED ME TO THINK THAT I AM ABLE TO DO MY TRANSACTION OF {$7600.00} ON XX/XX/XXXX  AT XXXX XXXX XXXX WITH XXXX XXXX. THIS TRANSACTION WAS FOR THE DELIVERY OF MY BOXING SUPPLIES FROM XXXX XXXX XXXXXXXX ALL THE WAY TO HERE AT XXXXXXXX XXXX XXXX WHERE I AM CURRENTLY THE HEAD BOXING COACH. THE MONEY WAS NEEDED URGENTLY BY XXXX  ( XXXX XXXX XXXX ) SO I HAD BELIEVED SINCE IT DID SAY " AVAILABLE CREDIT '' THEN WHY WOULD IT NOT GO THROUGH. THE TRANSACTION OF {$7600.00} WAS MADE AT XXXX XXXX WITH XXXX XXXX, BUT ON HIS RECEIEPT IT SAID " INSUFFICENT FUNDS '' WHICH INSISTS THAT I DO NOT HAVE THE AVAILABLE MONEY TO PAY WITH THE CARD ENDING IN XXXX. THIS WAS NOT TRUE SINCE MY CAPITAL ONE APP DID SAY AVAILABLE CREDIT OF {$7900.00}. AFTER I CALLED MY BANK AND SPOKE TO THE SUPERVISOR FOR ABOUT XXXX, THEY PROCEEDED TO TELL ME THAT I WILL RECEIEVE MAIL OR SOME SORT OF COMMUNICATION IN 7-10 DAYS. ON XX/XX/2026 I HAVE RECEIEVED NOTIFICATION FROM CAPITAL ONE THAT MY ACCOUNTS, BOTHH OF THEM!!! WERE CLOSED DUE TO " ACTIVITY OBSERVED BY CAPITAL ONE WHICH IS INCONSISTENT WITH TYPICAL CUSTOMER ACCOUNT USAGE ''. COMPLETELY BAZZARE AND INVALID REASONING AS I HAVE BEEN BANKING WITH THEM FOR OVER 6 YEARS ON MY XXXX ACCOUNT AND 4 YEARS ON MY XXXX ACCOUNT. I CAN NOT BELEIVE THIS BANK IS SO UNETHICAL WITH THEIR DECISIONS AND THEY PROVIDE INACCURATE INFORMATION ( " AVAILABLE CREDIT '' ) AND CAUSE SUCH BIG INCONVENIENCE TO THEIR CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Law Office of Brett M. Borland, P.C.
State: FL

Complaint narrative:
I received a call from a collection agency identifying itself as The Law Office of Brett Borland. Due to concerning online reviews, I returned the call to verify its legitimacy. Upon answering, the representative immediately began yelling, speaking aggressively, and demanding personal information. The interaction was hostile and unprofessional to the point that it appeared fraudulent. 

The representative claimed I had spoken with them in XXXX, which I do not recall. When I questioned this, the representative became increasingly upset and abruptly disconnected the call. 

To determine whether this was a legitimate business matter, my husband who is a sheriff with XXXX XXXX called the number to calmly request clarification. Upon identifying himself, the same representative became verbally abusive, mocked him, used insults, and laughed before hanging up. 

This conduct is alarming, unprofessional, and wholly inconsistent with how a legitimate law office or collection agency should operate. If this is a registered business, its actions raise serious concerns regarding consumer harassment and ethical compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
In XXXX, i used meadow brook legal group for my debt consolidation. I paid OVER {$3500.00} in payments for my debt. They were supposed to pay my credit cards down and try to lower my payments. I found out they'd never did.And they never did anything with my credit cards! And took the money. I tried to call no answer. I tried emailing and it either bounced back or said to please call. It was a vicious circle. I was sued by a credit card company. I contacted meadow brook.Who said that They would represent me in the court hearing. They never showed up for representation. ( THIS WAS HOW I FOUND OUT NOTHING WAS DONE WITH MY CREDIT CARDS. And they took the money. THAT IS WHEN I TRIED TO CALL AND EMAIL, stated above ) My account of {$2000.00} and my son 's bank account. Which I was a co. Authorizer for his college account was drained of {$5000.00}. So we lost {$7000.00} ( being sued for ) to one of credit card companies that I thought Meadow Brooke was helping us with and I lost over {$3500.00}, the payments I was making on time to meadow brook for my debt consolidation. We had to borrow {$5000.00} from my sons grandmother in order to pay for his XXXX XXXX of XXXX  since {$5000.00} was drained from his bank account ( i was co authorizer ). The total of {$5500.00} could have gone to the credit cards debt i was trying to pay off. Instead they took the money and ran!

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I applied for a loan with OppLoans and was denied. After the denial, I requested that my account and personal information be deleted because I am concerned about my privacy and how my information is being used. 

OppLoans refused and stated they must keep my account open for seven years. This has made me feel uncomfortable and concerned about the safety of my personal information. I provided sensitive information such as my name, address, income details, and possibly my Social Security information, and I do not feel confident that my data is being properly protected. 

I am worried that my information could be misused, shared, or exposed without my consent. I have asked them to close my account and stop using my information, but I feel my request is not being respected. 

I am requesting that OppLoans : Formally close my account Stop using my personal information for marketing or internal profiling Confirm whether my data has been shared with any third parties Provide written confirmation of what data they are retaining and why I believe consumers should have stronger control over their personal information, especially after being denied service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with non-monetary relief