vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
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 — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Amount {$1000.00} Merchant : XXXX XXXX XXXX  : XXXX, Georgia Date : XX/XX/year> This transaction is completely unauthorized, fraudulent and invalid and requested for immediate reconsideration based on following facts : I am a non smoker and never conducted any business with any smoke or tobacco related merchant I reside in Florida and have never visited XXXX Georgia nor I present in that state on the transaction date My card was never shared, authorized or presented to any individual merchant Upon discovering the transaction, i immediately reported it, block the card and followed all required procedures The transaction does not match my spending history, location, or lifestyle which clearly indicates fraud This charge was made without my knowledge or consent and meet all criteria for an unauthorized fraudulent transaction under federal consumer protection and card network rules.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.

Complaint narrative:
I was traveling in XXXX using my revolut card. Two days before I returned to the US, my revolut card details were copied and someone began using my card to make payments. I had automatic deposit on so my entire savings were used. The transactions occured for weeks after my return to the US and the transactions were made in XXXX. I did not notice because I had gone back to using my american bank account and when I saw I had no money, I went to revolut and saw all the transactions. I can prove I was in the US at the time of these transactions. I have emailed revolut multiple times with no response and no indication of giving me the money back. They eventually closed my account and from then on stopped responding. I also have issued a final notice before legal action letter in an email to which I also received no response. 
The total fraud amounted to {$3900.00}. There has been some refunded amounts however, the outstanding total still stands above {$3000.00}. 
I will attach a scan of my passport showing the stamp dated XXXX, the day I flew out of XXXX XXXX. I'll also attach a spreadsheet with each fradualent transaction, the date it was made, the amount, and whether it was refunded or not. Lastly, i'll attach the final notice before legal action email I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX funding has failed to send me debt validation letters. They added 2 collections to my XXXX, XXXX  and my XXXX  score has dropped. I have not received any phone calls, no mail like physical mail. I am disputing these debts. I want these off my record as the only contact method theyve made is email and have failed to send debt validation letters and have also refused to take payment or settlement when I called ( XXXX ) XXXX back in XXXX to settle and set up payment arrangement they never took our first payment. They have not worked with me and this is still on my account with a whole new account now with amount of XXXX and XXXX. I do not owe these amounts I want those two collections off my credit report as the collections agency is not following FDCPA guidelines and regulations

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

Complaint narrative:
I am writing to formally request the full discharge of my student loans due to deceptive practices, misrepresentation, and unethical loan management by Mohela while they were servicing my loans. 
Mohela repeatedly misled me regarding repayment options. Instead of being provided accurate information about income-driven repayment ( IDR ) plansplans that would have made my payments affordable and placed me on the path to loan forgivenessI was steered into forbearance and deferment. As a result, my original balance of approximately {$90000.00} has ballooned to {$130000.00} due to repeated capitalization of interest. This has caused me years of unnecessary financial hardship. 
Additionally, Mohela and other servicers have mishandled the transfer of my loans ( from XXXX to XXXX, and now back to MOHELA ). This has resulted in payment misreporting to credit bureaus, damaging my credit score by more than XXXX points. I worked hard to maintain good credit, and the misreporting has not only harmed my financial reputation but also hindered my access to credit opportunities. 
Furthermore, Mohela 's misguidance has delayed my progress toward repayment and loan forgiveness. My loan 's could have been completed by next year, however due to the transfers and their mishandling, additional years have been added to my repayment timeline. This has forced me to postpone my planned retirement, creating additional emotional and financial stress. 
Mohela 's behavior is consistent with widespread misconduct for which the company has already faced lawsuits from states and the Consumer Financial Protection Bureau ( CFPB ). Their actions have caused me : * Significant financial harm through inflated loan balances. 
* Credit damage due to misreporting. 
* Emotional distress and disruption of retirement planning. 
I am formally requesting the following relief : Full discharge of all student loans serviced by Mohela. 
Refund of excess payments, especially those made during periods of forbearance or deferment that Mohela improperly encouraged. 
Credit repairincluding the removal or correction of all adverse reports related to my loans to restore my credit score. 
Financial counseling or assistance, to help restore the financial stability that has been undermined by Mohelas deceptive practices. 
Mohela has failed in its duty as a federal loan servicer to provide accurate, fair, and transparent guidance. I respectfully ask that the Department of Education, CFPB, or other appropriate authorities grant me full discharge of my loans and corrective measures to address the damage done. 
Thank you for your attention to this matter. I trust that you will consider the lasting harm caused by Mohela and take action to provide me with the relief I have requested.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I see that CREDENCE RESOURCE MANA. is attempting to collect {$5900.00}. I have not made any purchases of that total. My identity has been stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
XXXXXXXX XXXX2021 {$7500.00} asked for proof that account belong to me an was giving the run around how to dispute it

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 fraud alerts or security freezes — 
Company: KEYCORP
State: NY

Complaint narrative:
XXXX unauthorized charges totaling {$930.00} were made on my KeyBank debit card ending in XXXX at XXXX XXXX on Sunday night, XX/XX/XXXX. I reported these charges immediately. The bank has not issued a refund or provisional credit. I request immediate reimbursement of the full {$930.00} for these fraudulent charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Someone got my information on my Bank of America account and also got a car using my name

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
my card does not work on XXXX and they refuse to tell me why or make it work.

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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this formal complaint because XXXX  and the furnishers listed below have consistently failed to conduct a reasonable reinvestigation as required by FCRA 611. This is my third attempt to correct blatant reporting errors, and their 'automated verification ' is a direct violation of my consumer rights. 

The specific violations are : Failure to XXXX XXXX XXXX Inconsistencies : I have previously pointed out that XXXX XXXX  and XXXX XXXX are reporting balances that exceed high credit limits and incorrect account types ( XXXX ). These are factual impossibilities that a human reviewer would have spotted immediately. 

Failure to Provide Physical Evidence : Despite my requests under 15 USC 1692g, no physical contracts or wet-ink signatures have been provided to prove the validity of these claims.

Legal Obstruction : The company has been using a former attorney 's information ( XXXX XXXX XXXX ) as an excuse to withhold my detailed investigation results, even though I have officially revoked that representation. 

Emotional and Financial Damages : This negligence is not just a clerical error ; it is destroying my life. Because of these inaccurate marks, I am currently without a home for my family and without a vehicle to get to work. I am unable to provide the most basic needs for my children because of XXXX refusal to follow the law. The emotional stress of being denied housing repeatedly is unbearable. 

Demand : I demand the immediate deletion of these unverified and technically flawed accounts. 'Verification ' through a computer system ( e-OSCAR ) is not a legal substitute for a proper investigation of the physical documents I am entitled to see. ''

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: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I am filing this as a new complaint regarding Contract Callers Incs continued reporting and collection of an alleged debt without having validated the obligation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

In a prior CFPB complaint ( No. XXXX ), Contract Callers Inc admitted that they do not currently possess documentation sufficient to validate the alleged debt and that they are awaiting additional information from the alleged creditor. This admission confirms that no validation has been produced to date. 

An initial validation notice does not constitute debt validation under 15 U.S.C. 1692g ( b ). Once a consumer disputes a debt in writing, a debt collector must cease all collection activity, including credit reporting, until proper validation is provided. 

Despite acknowledging that validation is pending and unavailable, Contract Callers Inc continues to furnish information regarding this alleged debt to consumer reporting agencies. Continuing to report a disputed debt without validation constitutes unlawful collection activity and a failure to conduct a reasonable investigation under the Fair Credit Reporting Act. 

Attached as Exhibit A is my written demand for debt validation and cessation of collection activity, which is incorporated by reference. To date, no competent evidence has been produced demonstrating that I owe this alleged debt. 

If Contract Callers Inc can not provide competent evidence establishing liability including proof of account ownership, billing history, and authorization to collect and report they must immediately delete all tradelines associated with this account and cease all collection activity. 

I am requesting : Immediate removal of all credit reporting related to this alleged account, and Written confirmation that the account has been closed and no further collection or reporting will occur.

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 — Can't stop withdrawals from your account
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app. I believe my data was takin also that is breach of there XXXX XXXX. It has caused many problems for me.

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: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
Synchrony Bank sent me a confirmation email saying my credit card was approved. I never applied for a credit card and I have credit freezes placed in several accts. This credit card needs to be cancelled.

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 — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
Debt collector is re-dating the debt every month. The debt has not been properly verified. I have sent a Cease & Desist letter to the company with no response.

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: Security Credit Services, LLC
State: FL

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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Many month ago, I was notified by law enforcement that I had been ( and was ) the victim of idenity and mail fraud/theft. I was then advised to closely review all of my financial accounts. 

Upon reviewing the charges to my Citibank Mastercard, I located the following charge : Date : XX/XX/year> Amount : XXXX Merchant as shown on CC statement : XXXX XXXX XXXX. 

I immediately disputed the charge. However, Citibank never acknowledge my dispute of this particular charge. 

As of the date I submit this complaint, Citibank has still failed to ever acknowledge this particular dispute. 

Months after disputing the charge, I transmitted written correspondence to Citibank regarding this particular charge. Despite transmitting this written correspondence, I never got any response from Citibank. 

Several weeks later, I submitted additional written correspondence to Citibank and this, like my prior correspondence, was transmitted via email and was physically delivered by the United States Postal Service. I do have copies of the delivery confirmation. 

Despite transmitting this written correspondence, I never got any response from Citibank. 

I have spoken with this merchant multiple times and the merchant is ready and wants to refund me but, despite me submitted my dispute and despite my multiple letters, Citibank has NEVER contacted the merchant. 

THE MERCHANT WANTS TO REFUND ME BUT IS WAITING ON CITIBANK and the lawyer for the company just reiterated this to me again. 

This is very improper and CITIBANK SHOULD BE SANCTIONED

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My PayPal account was compromised while my phone was lost from XX/XX/XXXX through XX/XX/XXXX. During this time, unauthorized transactions totaling {$210.00} were made on my account. 
I did not have access to my phone or my PayPal account during this period and did not authorize any of these transactions. The funds involved included money sent to me by a family member and were spent without my permission. 
I reported the unauthorized activity to PayPal after regaining access to my account. PayPal acknowledged the account compromise and issued partial refunds for fraudulent transactions from this same time period. 
However, one or more transactions from the same compromise window were denied, even though they were unauthorized and occurred under identical circumstances. I did not benefit from these transactions. 
I am requesting that PayPal correct this inconsistency, complete a full investigation of account takeover activity during the phone-loss period, and issue a full refund of the remaining unauthorized amount of {$210.00}.

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 was result of identity theft
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
CENTRAL PORTFOLIO CONT is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRAL PORTFOLIO CONT 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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION

Complaint narrative:
XXXX is using the Patriot act after 45 years of banking fraud and abuse that I can't correct without a new account manager.

Company response to consumer: Closed with non-monetary relief
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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
There was an account opened for dental work which I did not apply for and I have not approved any dental work or submitted any type of application for the debt that is being charged to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

Company response to consumer: Closed with non-monetary relief