vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a complaint against Midland Credit Management for reporting inaccurate and unverified information on my credit report. Midland Credit Management is reporting a collection account that they claim was originated by XXXX XXXX XXXX. I have disputed this account multiple times with all three credit bureaus ( XXXX XXXX XXXX XXXX ), and Midland has repeatedly verified the account without providing any documentation to support its validity. I have never been provided with a signed contract, account statements, or any proof showing that I am legally obligated to this debt or that Midland Credit Management has the legal right to collect on it. Additionally, the credit bureaus have reported inconsistent results. XXXX continues to update the account, while XXXX XXXX XXXX claim the account is verified, yet no documentation has been provided. This indicates that Midland Credit Management is not conducting a proper investigation and is furnishing inaccurate and unverifiable information. Under the Fair Credit Reporting Act, furnishers are required to provide accurate and verifiable information and must conduct a reasonable investigation when a dispute is received. Midland Credit Management has failed to meet these obligations. Because this account has not been properly verified and continues to be reported inaccurately, I am requesting the immediate deletion of this account from all credit reporting agencies. Account Details : Midland Credit Management Account Number : XXXX Original Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting a complaint regarding unsolicited super checks / convenience checks mailed by Wells Fargo in connection with my credit card account. I established this credit line approximately 21 years ago and, to my knowledge, I never authorized the production or issuance of super checks on my account. The production and mailing of these checks compromises the security of my account because the routing number and account number are printed at the bottom of the checks, and these checks were produced and mailed without my knowledge or consent. In addition, this appears to be a potentially predatory lending practice, as these checks provide no benefit to me as the consumer. I did not request, authorize, or consent to receiving these checks. Wells Fargo nevertheless sent negotiable checks tied to my available credit line through the mail and without a credit limit on the checks potentially opening me up to further liability on the account. I believe this practice creates unnecessary security and consumer protection risks. Mailing live negotiable instruments linked to a credit account increases the risk of theft, interception, fraud, unauthorized use, or misuse if the checks are lost or stolen. It also encourages high-interest debt through unsolicited access to credit. I am particularly concerned that this product was issued without my affirmative request or prior approval. I view the unsolicited mailing of credit-access checks as an unfair and potentially predatory lending or marketing practice, especially where consumers may not fully appreciate the fees, APR, balance-transfer terms, cash-advance treatment, or fraud risks associated with using such checks. I previously raised this issue directly with Wells Fargo through its internal complaint process. Despite that, I am seeking regulatory review of whether this practice is consistent with fair consumer treatment and adequate account-security standards. I also request that the CFPB review whether Wells Fargos unsolicited issuance of these checks may constitute an unfair, deceptive, or abusive practice, particularly where consumers did not request the product and where security risks are shifted to the consumer.

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 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I submitted a PSLF buyback request for qualifying months during the SAVE administrative forbearance period, covering XX/XX/XXXX through XX/XX/XXXX ( 13 months ), on XX/XX/XXXX. Since that time, my request has remained unprocessed with no meaningful status updates provided. Because of this delay, I am currently being forced to make higher monthly student loan payments in order to continue pursuing XXXX eligibility, even though the expected buyback amount for those months would likely be less than the payments I am now required to make. This ongoing delay is causing direct and unnecessary financial harm. I have contacted both MOHELA and XXXX XXXX XXXX on multiple occasions requesting updates and asking that my concern and request be escalated. On each occasion, I have been told they can not provide any update and do not have access to the information needed to assist me. This lack of transparency and accountability leaves borrowers without any path to resolution. In addition, I am postponing my planned retirement until my PSLF forgiveness is finalized. The failure to process my buyback request promptly is creating significant uncertainty and interfering with major life and financial decisions. I am requesting immediate review and processing of my PSLF buyback application, along with clear communication regarding the status and timeline for resolution. If this matter continues to go unresolved, my next steps will include contacting my state senator and other elected representatives, and exploring legal remedies.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I was the victim of a scam involving impersonation of a buyer on XXXX. I had just created an account on the platform and had no prior experience using it. I received communications that appeared to be legitimate transactional messages related to completing a sale. The individual directed me to a payment-related website through a link. The website appeared to be a legitimate platform for receiving payment. Based on this understanding, I followed the instructions to set up payment. Instead of receiving funds, {$800.00} was transferred from my checking account with Wells Fargo. I did not intend to authorize a transfer of funds to a third party and was not aware that the website and payment request were fraudulent. The transaction was induced through impersonation and misrepresentation, and I reasonably believed I was completing steps to receive payment. After the {$800.00} was withdrawn, I realized I had been deceived. On the same day, XX/XX/XXXX, I attempted to recover the funds from the individual, reported the incident to Wells Fargo, and filed a police report with the XXXX Police Department. I also placed fraud alerts with the credit bureaus as a precaution. On XX/XX/XXXX, I submitted supporting documentation to Wells Fargo, including screenshots of the communications, the payment link, the website, and the police report. Wells Fargo initially issued a provisional credit but later denied my claim and reversed the {$800.00}. On XX/XX/XXXX, I received the following message : Thank you for your patience. After careful review, your claim has been declined. Wells Fargo did not provide any explanation of how it determined the transaction was authorized, nor did it describe the investigation conducted or the evidence relied upon.

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
b'Last year around XXXX of XXXX. i started getting billed for XXXX products in my XXXX XXXX and my personal checking account/ I contacted Navy Federal and asked them to stop payment on any XXXX products and i would like a refund for any charges. they initially gave me a refund , but then deducted it from my card without my permission and after i spoke with a representative regarding the matter at hand. so for the past year i have been paying for someone else service despite the fact that i ask them to stop paying and speaking to someone about the unauthorized payment.\n\n\n\nAlso it only gave me one line for a credit card. they were also taking unauthorized payments from this card as well. The card number for this card is XXXX XXXX XXXX XXXX'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I contacted these debt collectors several times for debt verification in which they responded back with Debt verified and did not provide documents as requested showing proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: MO

Complaint narrative:
XXXX put an in accurate account on my credit report and has refuse to acknowledge MACYS write documentation that validate my claim. * macys XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Consumer Financial Protection Bureau Complaint # XXXX Macy 's XXXX XXXX account ending in XXXX ( closed ) Dear XXXX XXXX : We are in receipt of your complaint filed with the Consumer Financial Protection Bureau , which was forwarded to Macy 's Executive Office . As an Executive Office, Customer Care Administrator, I was asked to review and respond to your concerns on behalf of Citibank , N.A . ( CBNA ). Please accept our apology for any inconvenience you may have experienced in this matter. We appreciate the opportunity to review and address your concerns. We reviewed our records and confirmed that you are listed as an authorized user on the Macy 's XXXX XXXX account referenced above. This account was opened on XX/XX/XXXX, by XXXX XXXX. We have confirmed that XXXX and XXXX are no longer reporting the account. On XX/XX/XXXX, we submitted request to XXXX to update their records and delete the account reporting. Please allow up to thirty ( 30 ) days for the credit reporting agencies to reflect these changes in your credit file. This letter serves as confirmation of our request. Thank you for bringing this matter to our attention and giving us the opportunity to respond. If I may be of further assistance, please do not hesitate to contact me at the telephone number listed below. Sincerely, XXXX XXXX XXXX XXXX XXXX, Executive Office Customer Care Dept toll free : XXXX Direct line : XXXX For TTY : We accept XXXX or other Relay Services cc : Consumer Financial Protection Bureau XXXX XXXX is a federally registered service mark of XXXX XXXX and is issued by Citibank , N.A . pursuant to a license. The Macy 's XXXX XXXX XXXX program is issued and administered by Citibank , N.A .

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I applied for CareCredit through a provider link at a medical office. The application process was immediate, and no clear explanation was provided regarding deferred interest terms or that interest would be retroactively applied if the balance was not paid in full within a specific promotional period. I have made consistent payments and never missed one, yet my balance has increased significantly beyond the original amount financed. This indicates that key terms were not properly disclosed or explained at the time of enrollment. Additionally, my account shows recurring charges labeled card security that I do not recall authorizing. I am requesting a full review of the account, including how the credit terms were disclosed at the point of application, removal of retroactive interest charges if improper disclosure is found, and investigation and removal of any unauthorized recurring fees.

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 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have been dealing with Shellpoint for quite some time. I got very sick the latter part of XXXX into XXXX. I was unable to work and Shellpoint did not assist me, even after telling them my situation. I made double payments until I got caught up. Then magically around XXXX they told me that I missed a payment in XXXX. I made XXXX payments in XXXX and all other payments were made as scheduled. I got proof from my bank of every payment made and submitted it, yet I received NO CREDIT for the payment. I have no doubt struggled because of my illness during that time but its not fair for them to have charged me these huge amounts in late fees not to mention they havent credited my account. I have one payment that hasnt been fully paid. They have XXXX XXXX in unapplied funds and refuse to put any additional amounts that I pay towards the missed payment. They are putting it towards fees, thats not fair because there WOULD BE NO FEES IF THEY CORRECTED MY ACCOUNT. I went through issues with them all of last year then they admitted that they overcharged me and credited {$100.00} in XXXX but they didnt credit the lost payment. This company is a scam and wants to eventually foreclose on my property because of their mistake. I talked to XXXX and have proof that she lied on multiple occasions. She gave me a payment plan of {$1000.00} per month then it went to {$1400.00} and she says that she doesnt remember sending that information but I have it in emails that she sent. I shouldnt be on any payment plan because they need to fix my account and remove all of the fees that they have for a missed payment that was NEVER MISSED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding National Credit Systems due to inaccurate credit reporting and failure to properly investigate disputed information on my account. Initially, National Credit Systems reported a balance of {$18000.00} on my credit report. At a later point, the reported balance changed to {$13000.00}. The account is currently being reported at approximately {$6100.00}. Due to inconsistencies in the reporting, I disputed this information multiple times with all three credit bureaus. Each time, National Credit Systems continued to verify that the information was accurate, despite my belief and supporting evidence that the balance being reported was incorrect. In an effort to resolve the issue, I contacted the original apartment complex associated with the account. The apartment provided the correct ledger reflecting the accurate balance. This documentation confirms that the information being reported by National Credit Systems does not match the original account records. After receiving the corrected ledger, I expected National Credit Systems to conduct a proper investigation and update their reporting accordingly. However, when I followed up, I was informed by representatives, including a manager identified as XXXX and an agent named XXXX, that the balance being reported was correct and would not be changed. No meaningful investigation or correction was completed based on the documentation provided. Additionally, during communications with the company, I was told that the reporting could negatively impact my ability to obtain housing, loans, or financing. I also received repeated phone calls during this process while actively attempting to resolve the dispute, which added unnecessary stress. At this point, I have made multiple good-faith attempts to resolve this matter directly and through the credit bureaus, but the reporting has continued without proper correction or meaningful review of the documentation provided. I am requesting that the Consumer Financial Protection Bureau investigate this matter, as I believe National Credit Systems has failed to reasonably investigate disputed information and has continued reporting inaccurate account details that are negatively impacting my credit profile. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NJ

Complaint narrative:
I am submitting a complaint regarding the servicing of my XXXX XXXX XXXX loans. I authorize my child to assist me in preparing and submitting this complaint on my behalf, as they are directly impacted by these loans and have knowledge of the account history. These loans were taken out between XXXX and XXXX to support my childs education. Disbursements occurred on or around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Since entering repayment, the balances on multiple loans have increased beyond their original principal amounts due to accumulated interest. For example : A loan originally disbursed for approximately {$12000.00} ( XX/XX/XXXX ) now reflects a balance of approximately {$14000.00} A loan originally disbursed for approximately {$12000.00} ( XX/XX/XXXX ) now reflects a balance of approximately {$13000.00} A loan originally disbursed for approximately {$9500.00} ( XX/XX/XXXX ) now reflects a balance exceeding {$9800.00} As of XX/XX/XXXX, my total balance is approximately {$39000.00}, including accrued interest. I am currently facing a required monthly payment of approximately {$460.00}, with over {$4100.00} past due and a total amount due exceeding {$4500.00} as of XX/XX/XXXX. I made a payment of approximately {$500.00} in XX/XX/XXXX in an effort to bring the account current. Despite this, the account remains significantly past due and at risk of default. I was placed into a standard ( level ) repayment plan with a monthly payment of approximately {$460.00} beginning in XXXX. I was not adequately guided into affordable or flexible repayment options prior to reaching this level of delinquency, and I was not clearly informed of alternative strategies that may have reduced the risk of falling behind on payments. The current repayment structure does not reflect my financial capacity, and the accumulation of interest over time has significantly increased the burden of these loans. As a result of these servicing practices and lack of guidance, my loans are now in a state of significant delinquency and at risk of default despite efforts to make payments and manage the account.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: IN

Complaint narrative:
I was approved for the loan on Thursday evening. The contract states that the money will be in my bank account within one business day. I called Avant customer service on Saturday and asked for the date and time that the money would be available in my bank account. The agent stated that my funding day was Monday and it would be in my bank account on Monday. I advised that I need the money by noon on Monday. The agent stated he did not know the time that the money would be available. On Monday late morning, I emailed Avant, again asking when the loan money would be in my bank account. Avant emailed me back and stated that it could take 1-4 business days for the money to be available in my account. This is unacceptable. I need the loan money that I was approved for. My name on the loan is my maiden name, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I sent {$500.00} through XXXX for a service that was misrepresented to me. The individual provided false information and, after receiving payment, failed to deliver the promised service and stopped responding entirely. This transaction was made under fraudulent pretenses. What Chase did : I filed a fraud claim with Chase Bank, but it was denied on the basis that the transaction was authorized. However, this was not a legitimate transaction it was a scam involving fraudulent misrepresentation. I requested escalation, but was told the decision could not be reversed.

Company response to consumer: Closed with explanation