vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, the first payment ( {$620.00} ) for loan was due ; a payment for {$620.00} was posted to my account on XXXX XXXX. Following that payment, my transaction history showed {$0.00} balance. 
On XX/XX/XXXX, XXXX payment was posted to my account in the amount of {$620.00}. Following that payment, transaction history showed {$0.00} balance. Despite payment being made and posted within 32 days of last posted payment ( XX/XX/XXXX ), 66 days ' worth of interest with 13.43 % APR was applied to my account. 
On XX/XX/XXXX I began Temporary Payment Reduction Agreement that would reduce my XXXX to 5.9 % and monthly payments to {$310.00} for 6 months. For all 6 months I was charged more than 5.9 % interest. 
I have called several times between the months of XX/XX/XXXX thru XX/XX/XXXX to resolve interest discrepancies. I have also sent XXXX letters to company for explanation : XXXX letter attempt was made XX/XX/XXXX. Per capital they received the letter on XX/XX/XXXX XXXX letter attempt was made XX/XX/XXXX. Per capital one they received the letter on XX/XX/XXXX Capital One has yet to respond to either letter or provide explanation of improper interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
To Whom It May Concern, I am writing in response to a [ letter/phone call ] I received on or around [ Insert Date ], in which you claimed that I owe a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt. Please provide all of the following information : The amount of the alleged debt ; The name of the original creditor ; A copy of the original signed agreement or contract ; Proof that you are legally authorized to collect debts in North Carolina ; Documentation showing that the Statute of Limitations for collecting this debt has not expired. Until this information is provided, I am requesting that you cease all collection activity and refrain from reporting this debt to any credit reporting agencies, as doing so without proper validation would be a violation of federal law. This letter is not an acknowledgment or admission of any liability. I am simply requesting validation of a debt that you claim I owe. If you do not respond with proper documentation, or if you continue collection efforts without fulfilling this request, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the North Carolina Attorney XXXX XXXX. Please respond in writing. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX XXXX  XXXX, an individual, identified as my friend XXXX XXXX on Telegram, impersonated him and manipulated me into transferring the funds ( XXXXXXXX XXXX  ) to a XXXX XXXX  account. 

Later I realized that I probably was scammed. Then I reported the fraudulent incident to Wells Fargo on XX/XX/XXXX. A customer representative said that the funds were still there and would be ready to transfer to the scammer 's account soon. He promised that Wells Fargo would be able to help me recover XXXX XXXXXXXX that I was deceived into sending to the scammer. He also asked me to give him XXXX more days to process this. He did not tell me what other steps for me to take for recovering my funds so I missed the golden opportunity to protect my funds. 

Unfortunately, I was notified that Wells fargo was not able to recover my funds on XX/XX/XXXX. They forfeited their promise. Even I kept contact their fraud department again and again, but they only gave excuses upon excuses. 

I kindly request your support in investigating this matter and exploring options to retrieve the lost amount.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone tried to scam me by sending me a {$10000.00} payment for a commission project. They quickly asked for me to send them back {$4500.00} which I refused. I notified Truist that the {$10000.00} payment was fraudulent and I wanted it to be returned. However, Truist wouldn't do anything about it. 

My account then was completely shut down and I have no access to log in or anything. When I try to contact the Truist fraud department, I can't get any information because they ask questions for verification that I could only know if I was logged into my online banking. When I try to speak to someone at the physical bank, they tell they can't give me any information and to call the fraud department.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
PORTFOLIO CREDI is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO CREDI 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 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, at a famous footwear store, I was at checkout and a store associate told me to open a credit account for famous footwear and I gave my phone number and zip code, but was never asked for social security number or typical credit information, and after this I didnt use credit until a month later and I wasnt even given a physical credit card or a credit account number. I used {$100.00} in credit and paid it off in XX/XX/year> as I went in person to the store, but fast forward to now, I check my credit report and it dropped a lot saying I had a past due account from Comenity Capital Famous and I check my report and it states balance for {$190.00} that I never made transactions for, and I didnt receive a call or any mail, or any notices at all for any balances due, I literally had no awareness of these transactions and balances and I was never communicated for any information regarding this credit account. I called comenity capital famous footwear and got no response for live agent and phone just hangs up, so I cant even get in contact with a live agent there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am writing to formally log a complaint regarding my solar panel system, financed by GoodLeap. I am currently paying a monthly loan payment of {$190.00} for a system that is not reducing my electricity bill as promised. This is a severe financial hardship and a breach of the promised savings. Also I was told that I was XXXX XXXX  get a tax credit applied to my loan and that never happen. We are 5 years into the loan and have 20 years left on it. It was a complete rip off. So many misleading info. I feel they took advantage of us. 
XXXX was open in XX/XX/year> AMOUNT {$44000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute with Cash App towards XXXX in for the motel that I stayed at for three days and for how it was below standard for guest to stay in and how there was water damage and mold, and the moldy smell and things werent connected properly all over the motel and we had to deal with that for days and I reached out to Cash App about it to file a complaint about about it its since then theyve told me to wait 14 days so I waited 14 days called and they told me to wait 30 days I waited 30 days called and they told me to wait 40 days. Ive now waited 40 days Ive called and theyre now telling me to wait 45 to 95 days. And when I ask for any information regarding the situation or any info on whats going on, they say they cant tell me what anything or they give me the bare minimum of information thats irrelevant or just find a way to roundabout the situation or close off me asking that question to them and I have yet to receive any provisional credit or anything for this situation and due to Cash Apps regulations it states that if a withdrawal amount takes over a certain period of time, you are entitled to provisional credit and Ive contacted them and asked him about that and they yet to give me an answer and tend to go every other way in the conversation, but what I directly need an answer answered and that is a huge problem to me because Ive been waiting for 40 days with no answer as to what my situation is looking like at all and every time I reach out Im consistently being told to wait longer and when Im given a set date to wait, it keeps getting pushed back and push pushed back and pushed back and Im getting all sorts of the wrong information from them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
MOHELA has blocked my account access for over a year and states through its login system that it is no longer my federal student loan servicer and that my loans have moved. However, federal records and my credit reports still list MOHELA as holding loans in my name. Because MOHELA denies account access, I am unable to view loan details, verify balances, submit deferment requests, or make payments. Despite this, MOHELA continues to report or attempt to collect on these loans. It has tried to collect payment starting on XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Since opening my joint account, I have been trapped in a XXXX XXXX XXXX XXXX ' The system tells me I must enroll, but when I attempt to do so, it says I am 'already enrolled. ' I have called agents multiple times, and my last effort was today, when I spent over an hour on chat support with no resolution, and the international collect call line ( XXXX ) goes unanswered. I am unable to view statements or make payments. I request a manual reset of my digital profile to restore access immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
QUALIA is falsely reporting on my credit. I have never had any accounts with them. Per my research QUALIA 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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Pro Collect because they are reporting a {$1600.00} collection account that I do not recognize, do not understand, and was never properly notified about. I never received a written notice, never received validation, and never received any disclosure explaining what this debt is for. The first time I learned of this alleged debt was when it appeared on my credit report. That alone is a violation of FDCPA 1692g ( a ) and exposes Pro Collect to statutory damages of up to {$1000.00}. 
Pro Collect is reporting this account as fact, yet has never shown me a single piece of evidence that I owe it. No contract. No billing statements. No payment history. No explanation of the balance. No proof of ownership. No proof that I was even properly notified. 
After the account appeared, I requested validation. More than 30 days have passed. Pro Collect has provided absolutely nothing. 
Proper validation requires : Name and address of the original creditor Description of the alleged obligation Signed agreement or proof of responsibility Complete itemized accounting Date of first delinquency Proof of assignment or ownership Proof of written FDCPA notice Proof of mailing or delivery Metro-2 compliant reporting fields None of this has been provided.

Instead, Pro Collect continues to damage my credit with an unverified balance, which violates : FDCPA 1692g failure to validate FDCPA 1692e false and misleading representation FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) furnishing information that can not be verified Metro-2 standards requiring factual, verifiable reporting Pro Collect is not making a mistake they are reporting a debt without proof and forcing the consumer to carry the burden. That is unlawful.

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I have an autopay schedule that cant be updated. I reached out a month ago about this while signing a stipulation and now they refuse to acknowledge my problem. The payment portal goes to {$78.00} and then switched back to {$100.00} around the XXXX without a way of canceling it or update it to the agreed amount of {$78.00}. I included screenshots to show the full information including dates, evidence of amount, and actions occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint against CDR Genesis for reporting a collection account in the amount of {$3500.00} that I do not recognize, do not understand, and have never received lawful notice of. The first time I became aware of this alleged debt was when it appeared on my credit report. That alone is a direct violation of FDCPA 1692g ( a ), which requires written notice of the debt within five days of initial communication. No such notice was ever sent.

At no point did CDR Genesis identify the original creditor, explain the nature of the alleged obligation, or provide any documentation supporting this balance. Reporting a debt that a consumer can not even identify is misleading, abusive, and unlawful.

After the account appeared, I formally requested validation. Over 30 days have passed. CDR Genesis has produced nothing.

Proper validation legally requires : Proof the account belongs to me Name and address of the original creditor Description of the alleged obligation Signed agreement or proof of responsibility Complete itemized accounting of the balance Date of first delinquency Proof of assignment or ownership Proof of written FDCPA notice Proof of mailing or delivery XXXX compliant reporting fields None of this has been provided. 
Despite this, CDR Genesis continues to report this account as if it were verified fact.

This conduct violates : FDCPA 1692g failure to provide notice and validation FDCPA 1692e false and misleading representation of a debt FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or that should be known to be inaccurate XXXX standards requiring complete, consistent, and verifiable reporting CDR Genesis is not simply mistaken it is reporting an unverified debt with no supporting documentation and shifting the burden onto the consumer to prove it is wrong. That is not how federal law works.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: OK

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi bank has failed to provide statement credits for food that made me sick after filing a dispute within 48 hours of the charge.

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I have a XXXX  account that was recently closed and a company accidentally withdrew money to my XXXX  account. Some reason the money was accepted to my XXXX  but now i cant access these funds to get them out of my XXXX  account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MI

Complaint narrative:
I attempted to close my business checking account at US Bank ( ending in XXXX ) and my business credit card ( ending in XXXX ). 

I originally needed to close the account do to the constant account inactivity fees ( predatory in my opinion ) and when I called the first time around they told me that they had put in a request to close the account. The account was not closed. 

The credit card was closed without issue, but I have been constantly strung around when trying to close the bank account. US Bank kept telling me I need to reactivate the account in order to close it, so I did and had to wait a week in order to kick off the process. Since my account was now negative ( see below ) they are not able to close the account until I rectify the balance. Without the overdraft fee and refund from the credit card account there should be a net balance in my favor. Unfortunately no one on the customer service side of things is able to resolve this and I have been passed around different departments who don't know how to fix this. 

The credit card annual fee was coming up at {$95.00}. I closed the card prior to the charge being withdrawn from my checking account and was told a refund would be issued. The credit card payment did go through, putting my checking balance at a negative amount with an additional tacked on overdraft fee. 

My bank account had a balance of {$14.00} at the time.

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