vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I entered a payment plan with Cherry Technologies beginning XX/XX/XXXX under a 0 % APR promotional offer. Monthly payments were {$360.00} and I maintained a consistent payment history. 

In XX/XX/XXXX, I rescheduled a payment through Cherrys own platform. That rescheduled payment later failed on XX/XX/XXXX due to insufficient funds. Cherry assessed a {$15.00} late fee, which I paid. 

Despite this, Cherry permanently rescinded the 0 % APR and applied approximately 30 % APR to the remaining balance. My monthly payment increased to {$430.00} and the total cost of the loan increased substantially. 

Cherry representatives confirmed in writing that : They do not send email notifications when a 0 % APR is at risk of rescission They rely solely on text message notifications I had opted out of SMS notifications months earlier No alternate notice was provided Cherry still claims adequate notice was given, despite admitting they knew SMS was disabled and no email notice was sent.

A single rescheduled payment followed by payment of the late fee should not justify permanent interest escalation. This practice is punitive, misleading, and lacks reasonable notice of a material contract change. 

I am not disputing the debt. I am disputing the unfair and disproportionate interest change.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am being denied access to view or make any changes to an installment loan. The institution will not grant me access to my installment loan account to track progress, verify payments, or anything at all. When I inquire about why, all they tell me is that I am not supposed to have a loan with them due to a delinquent account I had with them over 10 years ago. Now I am being denied access to a loan they granted and did provide me with knowing our history between each other. I feel my funds are not going where they say and they will not grant me access to see anything. I need access to my account. Fifth third bank seems to be doing some illegal stuff here and I cant prove it because they wont provide me any access to my installment loan account that I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Cordoba Legal Group, PLLC.
State: SC

Complaint narrative:
I suspect this is an attempt to scan me out of money. Cordoba Legal Group somehow for my information when I was trying to get a loan. The loan companies I was dealing with never received any legal documents from Cordoba. So I asked them to cancel my account. They keep calling me and leaving me messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Venmo initiated a standard bank transfer on XX/XX/year> with an estimated arrival date of XX/XX/year>. 
The transfer has remained in Pending status for 14 days. 
Venmo provides no way to reach a human agent, and phone and chat support only provide automated information. 
There is no option to cancel, complete, or reverse the transfer. 
This constitutes an unreasonable delay and lack of access to customer support while holding funds. 
Requesting immediate completion or reversal of the transfer. 

Venmo Account information- XXXX XXXX - XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a case already with cfpb and citi bank reached out to me and I was asked to do a notary and a forgery for the the check that was sent... I did all the necessary and email it back to them and I'm still awaiting a proper response

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 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was informed that an alleged judgment from 2008 exists and that the total debt is approximately {$900.00}. The company involved is Capital One. 

The only Capital One account I am aware of is already paid in full. During a call with a representative named XXXX, she referenced an alleged garnishment or legal judgment from 2008 and offered to provide law firm contact information. No documentation, court information, or notice of any legal action was provided. 

I have never been properly served with notice of any legal action, and no garnishment has ever been enforced. The statements made by the representative were false and misleading. 

I request that Capital One update their records to reflect that I dispute any alleged garnishment or judgment, that no representatives make false statements regarding legal action in the future, and that they provide written confirmation that my account notes have been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
Around XX/XX/year> I refinanced my home with Good leap to pay off XXXX XXXX debt I still have XXXX to pay on my home and the rest was XXXX XXXX debt when I signed my paperwork I had refinance for {$180000.00} that includes closing costs and the credit card debt and the mortgage but they did not pay all of my credit card debt. The biggest XXXX that they did not pay was for XXXX for over {$4000.00} and XXXX for over {$3000.00} but when I got the audit, I noticed that those XXXX credit card debt was paid off with every other credit card debt that I had but they told me that I did not have enough equity for them to pay off all of my credit card debt so when I confronted Good leap about it, they denied that they had painted off, but I saw it on the audit. They also told me that I could only get XXXX for my home but in my area, my home is going for {$230000.00} so I just want to know whats going on and fix this problem. they then sold Good leap sold my mortgage to XXXX act so now XXXX XXXX has my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
These accounts are reporting lates for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is completely false. I have not had lates with these accounts and all of my accounts are current. Please help me remove these lates as a one time courtesy since this is tremendously damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: Block, Inc.
State: SC

Complaint narrative:
Summary : I am filing this complaint regarding an unfulfilled purchase and refund dispute involving XXXX and XXXX.. The merchant failed to deliver services I paid for in XXXX, falsely claimed to have issued a refund, and later threatened to report a false collection if I disputed the charge. XXXX continues to deduct payments for a product I never received. 

Detailed Description : On XXXX, I purchased creditreporting tradeline services fromXXXX totaling {$610.00}, financed through myXXXXaccount ( XXXX ). 
The package included XXXX tradeline products XXXX XXXX XXXX XXXX XXXX XXXX XXXX .The merchant promised that these tradelines would post to my credit reports withinXXXX. They never appeared, and the only brief posting was removed approximately oneweeklater. 

Despite multiple followups, the merchant failed to deliver any service. XXXX XXXXmailed me confirming that my purchase had been refunded and that I should contactXXXXfor reimbursement. However, no refund was ever issued to my XXXXaccount or paymentcard, and XXXX continues to billmeforthisorderwithXXXXpaymentsstill remaining. 

Worse, when I requested a full refund, XXXXthreatened that if I proceeded with a dispute, they wouldaddacollectionto [ my ] creditreports.This constitutes a willful violation of theFairDebtCollectionPracticesAct ( 15U.S.C.1692e ( 4 ) & ( 5 ) ) andtheFairCreditReportingAct ( FCRA ), both of which prohibit false or retaliatory credit reporting. 

I have attached : My XXXX account screenshot showing the continuing payment plan for {$610.00}. 
Emails fromXXXX XXXX XXXX ) showing the orderconfirmation, refundclaim, and writtenthreat. 

Order placed : XXXX Refund email from merchant : XXXX Threat from merchant : XXXX Ongoing XXXX payments : XXXX ( XXXX ) This merchants conduct has caused ongoing financial loss and emotional distress. I am seeking CFPB assistance ensuring the account is refunded and that the merchants threats are documented for potential regulatory review. 

Attachments : XXXX screenshot ( balanceandactivepaymentschedule ). 
XXXXmails confirming orderandrefundrepresentations. 
Threat correspondence regarding false credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 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:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: SC

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: FL

Complaint narrative:
A moving company charged me twice. The first charge was double the estimate, but it was authorized. The second charge was not authorized and I disputed it. The bank took two months to complete their investigation, and denied my dispute, requiring me to pay the unauthorized charge. The bank 's excuse is that I didn't provide them necessary information. I did provide at least two written statements and three verbal explanations. I was not given the opportunity to know what they think they are missing, nor to provide it before they closed my dispute and required me to pay the unauthorized charge. The moving company was able to make the unauthorized charge because they already had my CC information from the first, authorized charge. Now I have to sue the moving company to recover the funds. The bank should not be allowed to require me to pay an unauthorized charge- they even admitted over the phone that they couldn't understand the reason for the second charge. In fact, that was point of dispute I had on the phone with the bank 's representative- she said she couldn't understand the reason for the second charge, so I needed to contact the mover and find out why they charged me! Despite my having already complained, in writing, to the moving company with no response. Really outrageous behaviour by Wells Fargo.

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 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: OH

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Friday, XX/XX/year> around XXXX I went to Citibank to deposit money at the atm. I deposited {$370.00} to my account. The atm stated that it was deposited so I proceeded to my car and continue my day until i tried using my card and it was being declined. I checked my account and the money was not being reflected onto my account. I called customer support right away and after struggling for an hour to talk to an actual human I was told it was going to be investigated but I would be credited the amount onto my account. I couple of days passed and I hadnt received the credited amount I was told, so I called again and was told that there was no extra money in the atm. I proceeded to ask for video footage of the cameras at the atm because I deposited that money and it couldnt have had just disappeared. I was told that they were going to look into getting the camera footage and get back to me but more days have passed and nothing. I called today and was told the case was closed and would not be able to give me the money. I asked about the camera footage and was told they are not able to look at the cameras and thats all they could do and close the investigation and I lose my money.

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
In data settlement with the the credit card, it's still show on my credit for years. Charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: IN

Complaint narrative:
The last contact I had with this leasing office was XX/XX/scrub>XXXX  in which I was told this would be looked in to as I called the 3 times prior to moving out and was ensured that there were no outstanding charges. They did not do a walkout inspection and once I moved, thats when they sent me this collection notice without any proof of what they are claiming for the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX  made online purchase that totaled {$250.00} ( inclusive taxes/fees ) with vendor that use frequently : order # XXXX. 

XXXX order tracker showed delivery made, though never received on my end. I then contacted nearby neighbors to inquire if package/s somehow had erroneously been sent to their address. In the past, this had been done mistakenly with other deliveries, as I live in hard to find basement apartment. 

When I shared this information with a XXXX customer service supervisor, I was told explicitly that I would need to contact my bank to have the charge reversed, while Citizens Bank claimed opposite stating XXXX would have to rectify. 

As a next step, I decided to file expense dispute with my bank both on the phone AND via email ( see attachments ). After a cursory review, Citizens then blithely dismissed the claim in useless and vague letter without even bothering to share investigatory documents they may or may not found to substantiate denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A signed retail installment contract Proof of ownership or assignment, including full chain of title Proof of default, supported by a complete payment history Proof of lawful repossession in compliance with applicable state law Copies of all required pre-repossession and post-repossession notices Evidence that the sale was commercially reasonable Verification of the Date of First Delinquency ( DOFD ) used for credit reporting purposes Verification based solely on automated responses, data fields, or furnisher affirmations without reviev f the above documentation-does not constitute a reasonable investigation under the Fair Credit Reporting Act.

Notice of Non-Compliance If you are unable to fully disclose the Method of Verification or confirm review of the above documentation, continued reporting of this account may constitute non-compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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:
After reviewing my credit reports, I identified numerous accounts and collection tradelines reporting derogatory information that appears inaccurate, incomplete, or improperly duplicated. Several original creditor accounts are reporting charge-offs with prolonged monthly charge-off updates, delinquency stacking, and balances that exceed the original credit limits without clear explanation. In multiple cases, delinquency codes continue to update after the accounts were already charged off, which creates internally inconsistent reporting. Additionally, multiple third-party debt buyers are reporting collections that appear to originate from the same underlying obligations, suggesting improper debt splitting or duplicate collection reporting. These collection accounts lack clear proof of ownership, itemized balance calculations, and a complete chain of title. There are also inquiries on my credit file that appear without clear evidence of separate consumer authorization or permissible purpose. I submitted disputes requesting reinvestigation and validation under the Fair Credit Reporting Act, but the disputed information continues to be reported.

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