vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
This complaint is being filed due to the presence of inaccurate and unverified information on my credit reports, as maintained by XXXX, XXXX, and XXXX. Despite previous disputes, certain derogatory accounts and inquiries remain unresolved, demonstrating a failure to conduct proper reinvestigations as mandated by the Fair Credit Reporting Act ( FCRA ). Specifically, violations of FCRA sections 1681e ( b ), 1681i, and 1681s-2 are evident, as the credit bureaus and furnishers have failed to ensure the maximum possible accuracy of the reported data, and have not adequately addressed my disputes. This has resulted in significant harm, including potential loan denials and increased financial stress. MOHELA/XXXX Account # : XXXX ( XXXX ) MOHELA -- Acct # XXXX MOHELA/XXXX -- Acct # XXXX Issue : Incorrect reporting of late payments for a student loan that should be in deferment or forbearance. Legal References : FCRA, 34 CFR section 682.202. 15 U.S.C. section 1681e ( b ) - Accuracy of report 15 U.S.C. section 1681i ( a ) - Reinvestigation of disputed information XXXX XXXX section 4.2 - Timely and accurate reporting of payment history TILA - Truth in Lending Act, for accurate billing.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
The company is reporting a collection account on my consumer credit report while continuing to furnish disputed information that appears incomplete, inconsistent, and inaccurate. I disputed the reporting and requested documentation supporting the alleged balance, ownership of the account, authority to collect, and the companys authority to continue furnishing the account to consumer reporting agencies after the dispute. Despite the dispute, the company continued reporting the account without providing sufficient documentation or evidence of a meaningful investigation. The reporting also contains incomplete or questionable account information, including missing account classification fields while continuing to report the account as an open collection. The continued furnishing of disputed and potentially inaccurate information is damaging my consumer credit profile and may violate the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ), as well as the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e. I am requesting deletion of this collection account from my consumer credit report and cessation of furnishing information that can not be properly verified or accurately substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
When I applied for pre-approval for a mortgage, I was notified that I had a fraudulent collection on my report. The broker looked into it via the courthouse and identified it as misappropriated in my name, as the indicator states can not locate consumer Online Information Services The credit report shows the dates XX/XX/XXXX and XX/XX/XXXX For the amount of {$2200.00} I called the company 3 times XX/XX/XXXX, 5 times XX/XX/XXXX and each time I was hung up on after requesting to dispute the false charges. They refused to give me information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citibank account number ending in XXXX shows an outstanding balance from XXXX. Im trying to inform them that this is an identity theft issue and that they should provide proof that I made this transaction. This is not reflected on my credit report. Moreover, the address they had on file is the address where I currently reside.

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 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I requested the collection service company to validate the debt XX/XX/XXXX months ago and they have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Imprint Payments, Inc.
State: FL

Complaint narrative:
I have been using the XXXX XXXX XXXX card for some time now and XXXX XXXX has lost the confidence of XXXX. I had a credit balance of XXXX XXXX and before that transition occurred I called and requested that a refund check be issued. I also have a XXXX XXXX XXXX XXXX account and a credit balance check for a XXXX was sent.??? The new account holder IMPRINT is showing a refund of XXXX XXXX XXXX out. When I called XXXX XXXX I was told that I was in arrears for XXXX which was discharged XXXX XXXX XXXX court

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of an unauthorized electronic transfer and account takeover fraud incident involving my checking account and debit card ending in XXXX. On XX/XX/year>, I was contacted by an individual impersonating Navy Federals fraud department regarding alleged suspicious activity on my account. During the interaction, the individual appeared to already possess sensitive information related to my account. I later contacted Navy Federal directly and was informed that the communication did not originate from the credit union. I have reason to believe my online banking credentials and possibly my email account were compromised at the time of this incident. I also did not receive expected fraud notification emails that Navy Federal stated had been sent. Shortly thereafter, unauthorized transactions totaling approximately {$2400.00} {$2800.00} were processed involving XXXX XXXX/bitcoin-related activity that I dispute as unauthorized. At the time, my account reportedly contained approximately {$700.00}, yet the transaction exceeded my stated overdraft threshold. Navy Federal later reversed the overdraft portion, which further suggests the activity was abnormal. I promptly reported the matter as fraud and unauthorized account activity. However, I later learned that the incident may have been characterized internally as a scam despite my reporting concerns regarding unauthorized access, credential compromise, and account takeover. My fraud claim was denied with the explanation that the transactions matched spending patterns of valid transactions. I do not believe this adequately addressed : possible compromised credentials, account takeover concerns, impersonation fraud, possible compromised email access, device/IP authentication review, or the abnormal nature of the transaction activity. I am requesting CFPB assistance regarding : Navy Federals fraud investigation procedures, denial of reimbursement for disputed unauthorized electronic transfers, whether Regulation E protections were properly applied, and whether the investigation sufficiently considered account takeover and credential compromise evidence. I am requesting : reconsideration of the fraud determination, a complete copy of investigative findings and evidence relied upon, and reimbursement for the disputed unauthorized transactions. Supporting documentation, claim communications, and dispute records are available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the XXXX account reporting on my consumer credit file. This account does not belong to me, and I have no contractual relationship with XXXX regarding this alleged debt. I have previously disputed this account multiple times and requested competent evidence supporting the reporting of this account. To date, neither the credit reporting agencies nor XXXX have provided sufficient documentation establishing that I legally authorized or incurred this obligation. Under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2, furnishers and consumer reporting agencies are required to maintain maximum possible accuracy and conduct reasonable investigations of disputed information. I am requesting a complete reinvestigation of this account and demand that all inaccurate information be deleted immediately if verification can not be properly established. This letter serves as a formal notice of dispute and request for validation and method of verification. Please note : * I am asserting that this account is fraudulent and/or not mine. * Continued reporting of inaccurate information after notice of dispute may constitute willful noncompliance under the FCRA. * Automated or superficial investigations are insufficient under federal law. I request that all parties provide the documentation outlined below within the statutory investigation period. Please provide the following documents and records relating to the disputed XXXX account : 1. Original signed contract or service agreement 2. Complete account application 3. Date account was opened 4. Full account history and billing statements 5. All addresses associated with the account 6. Method used to verify identity at account opening 7. IP address/device data used to establish service 8. Any signatures associated with the account 9. Copies of drivers license or identification used 10. Complete payment history 11. Documentation proving I authorized this account 12. Method of verification used during prior investigations 13. Name, address, and telephone number of the individual/entity that verified this account 14. Any collection assignment or transfer agreements 15. Audio recordings or electronic authorization records, if applicable If these records can not be produced, I demand immediate deletion of this account from all consumer reporting agencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: OneMain Finance Corporation
State: ID

Complaint narrative:
I got a big loan through one main financial and I had another loan currently open for XXXX XXXX One main did a credit check and pulled the wrong loan off my credit to debt consolidate so they sent the wrong amount and the on the check to XXXX XXXX to pay it off XXXX XXXX then sent that check back saying that that loan had been paid in full, which is correct based off my credit, it was paid in full. I refinanced the new loan wasnt on my credit at the time however, XXXX XXXX sent the correct payout statement to XXXX XXXX with the correct account number and all one main messed up now I have a late payment on a loan that was supposed to be paid off by one main financial and its affecting my credit and I have a late payment. One main financial needs to be held responsible for this mistake. It was their mistake. I also cant afford XXXX loans, which is why I got the XXXX big loan through one main financial for debt consolidation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: NC

Complaint narrative:
I have asked to close my account twice both with confirmations of closure however Im still accruing interest. As well I was recharged multiple times for a payment stacking nsf fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX ( XXXX ) before my bill is even due. I paid the statement balance and current balance on my credit card bill after calling and confirming what was due with a Capital One representative. Now Im being charged interest and late fees months later. I have not received any notices or anything and I called asking why I wasnt advised of this when confirming the balance BEFORE making the payment to close the account. They did not have an answer nor work with me to resolve this. I was speaking to a manager today XX/XX/2026 around XXXX he was extremely rude and nonchalant. The cards end in XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I am submitting this complaint because MOHELA is refusing to engage with me and has failed to respond to repeated written correspondence regarding an unresolved dispute involving bankruptcy discharge. They also continue to mark my CFPB complaints as duplicates despite each one being about a different issue with new supporting documentation The underlying dispute concerns three XXXX-owned private Tuition Answer loans serviced by MOHELA ( ending XXXX / XXXX / XXXX ). I received a XXXX XXXX discharge on XX/XX/XXXX and a XXXX XXXX discharge on XX/XX/XXXX. There is no reaffirmation agreement for these loans. Despite this, MOHELA continues to treat and report these loans as enforceable and collectible. Timeline of MOHELAs non-response : * My first certified letter to MOHELA was sent XX/XX/XXXX. * My most recent certified delivery was XX/XX/XXXX. * In total, I have now sent nine ( 9 ) certified letters, and MOHELA has not provided a substantive written response to these letters. In parallel, I spoke with multiple MOHELA representatives regarding this discharge dispute. At least three representatives confirmed my case was escalated and that I would receive a call back to discuss and resolve my situation. They asked what time would be convenient for a call back. MOHELA did not call. MOHELA stated yesterday that it will not engage with me further by phone and that I must write to them, despite the fact that my certified letters from XX/XX/XXXX through XX/XX/XXXX have gone unanswered. Why this is a serious servicing failure MOHELA is effectively denying access to a meaningful dispute/escalation process : * It refuses to communicate after multiple escalations, * It does not respond to certified mail correspondence, * It does not provide a clear written explanation of what investigation ( if any ) was performed, * And it continues servicing and reporting posture while preventing resolution. This is especially serious because the underlying dispute involves bankruptcy discharge and MOHELAs continued treatment of the accounts as enforceable obligations. Harm MOHELAs refusal to respond and failure to complete escalations has caused : * ongoing uncertainty and inability to resolve the dispute, * ongoing risk of credit/reporting harm tied to MOHELAs servicing posture, * significant time loss and stress due to repeated contacts and unfulfilled call-back promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: TX

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
A fraudulent event occurred using my savings account. Someone somehow used an e check and sent it to PayPal from my savings account on Friday, XX/XX/XXXX in the amount of {$1400.00}. It shows as an electronic debit. This was noted : PAYPAL ECHECK XXXX I contacted Pay Pal and they said they have no information about the transaction since it is not attached to my Pay Pal account. They also told me they could not look up the transaction by the echeck number. I contacted my bank to file a dispute and they are processing it but they said they have no way of knowing if I will get my money back and that they would investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Synergetic Communication Inc. that I believe is inaccurate and improperly verified. The collection relates to a former apartment I lived in until XX/XX/year> during the COVID-19 period. At the time I moved out, the leasing office was closed due to COVID restrictions. I contacted the office, left messages, and later received a return phone call stating that everything was fine with my move-out. Based on that conversation, I believed no balance was owed and was actually expecting a refund from my security deposit. I was never contacted afterward regarding any outstanding balance. I did not receive any bills, notices, collection letters, or communication regarding this alleged debt for several years. After 5 years and half, this collection suddenly appeared on my credit reports. I immediately disputed the account with all three major credit bureaus because I did not recognize the validity of the debt and had never previously been notified of it. XXXX removed the collection from my credit report after my dispute. However, XXXX and XXXX continued reporting the account after verification. I also attempted to exercise my debt validation rights by sending a written validation request to the collection agency. The letter was returned to me by the U.S. Postal Service as undeliverable. This raises serious concerns regarding the accuracy of the reporting information and whether the collection agency can properly receive and respond to consumer disputes. Additionally, the address information associated with the account differs between credit bureaus, creating further concerns regarding the accuracy and reliability of the reported information. I am requesting the following : 1. A full investigation into the accuracy and verification procedures used for this collection account. 2. Documentation showing how the account was verified with XXXX and XXXX despite XXXX deleting the account. 3. Copies of any lease agreements, final account ledgers, itemized charges, move-out statements, mailing records, or documentation proving I was properly notified of any balance owed. 4. An explanation of why my debt validation request was returned as undeliverable. 5. Review of whether the reporting complies with the Fair Credit Reporting Act and Fair Debt Collection Practices Act, including requirements for accurate reporting and reasonable investigation procedures. Given the inconsistent reporting between bureaus, lack of prior notice, returned validation request, and disputed account history during the COVID-19 period, I am requesting removal of this collection account if the furnisher can not provide complete and accurate supporting documentation. Thank you for your assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
" On XX/XX/XXXX, I requested an Amex agent via Amex chatting service to link my XXXX card ( ending XXXX ) XXXX XXXX to my Business Checking account ( ending XXXX ). The agent completed the linking without informing me that my existing Checking account points would be forfeited. I had over XXXX points in my Checking account prior to the linking. Those points disappeared immediately after the linking was done. Right after it, I contacted Amex the same day and spoke with an agent named XXXX, who assured me the combined balance would update within 24 hours. It did not. I called Amex checking department again, and an agent acknowledged the issue and said it had been escalated to the relevant team, and would be resolved within 7 to 10 business days. That timeframe has passed. I contacted Amex again the following week and was told to wait longer. It is now XX/XX/XXXX and the points are still missing. I have chat history documentation showing the agent completed the linking with no disclosure that the Checking account points would be lost. This was done without my informed consent. I am requesting that over XXXX Checking account points be restored immediately. ''

Company response to consumer: Closed with non-monetary relief