vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit reports and discovered that XXXX, account ending in XXXX, is being reported with negative late payment remarks despite the account being open, current, and showing no past due balance. The account reflects an open status with current payment standing, yet derogatory payment codes continue to appear, which is internally inconsistent and misleading. This negative reporting does not accurately reflect the accounts present condition and unfairly suppresses my credit score. 

I formally disputed the late payment remarks, clearly explaining that the negative codes conflict with the accounts open and current status. Despite this, the credit bureau failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act. Instead, it relied on automated Metro 2 data responses from the furnisher without validating whether the late payment remarks were accurate, complete, or lawfully reportable. No complete payment history, no documentation substantiating the alleged late payments, and no proof of Metro 2 compliance were provided to justify continuing the derogatory reporting. 

I am a consumer directly impacted by the Equifax data breach and the XXXX XXXX XXXX breach, which raises serious concerns about the integrity and accuracy of the data being reported. Given these known breaches, the continued reporting of unverified negative remarks without strict validation is especially concerning. Reporting an account as open and current while simultaneously attaching late payment remarks creates a misleading credit profile and violates the FCRA requirement to maintain maximum possible accuracy. 

Despite receiving notice of the dispute, the bureau continued reporting the late payments without correction or deletion. This failure to properly investigate and correct inaccurate data constitutes noncompliance with FCRA 1681e ( b ) and 1681i, and it has caused ongoing harm by lowering my credit score and misrepresenting my payment behavior to potential creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
Company Name : MOHELA Issue : Federal student loan servicing Dealing with my lender or servicer Subject : Refusal to Provide Archived Payment Records for Federal Borrower Defense Discharge Description : I am filing this complaint because MOHELA is failing to provide historical payment and transaction records required to finalize my federally approved Borrower Defense to Repayment discharge for XXXX XXXX XXXX ( XXXX : XXXX ). 
My current servicer, XXXX ( Account # XXXX ), has confirmed in writing that my discharge is " pending '' but is currently stalled because MOHELA has not provided the necessary " consolidation adjustments '' and payment history for the period of XX/XX/XXXX to XX/XX/XXXX. 
The loans in question were serviced by MOHELA and XXXX on XX/XX/XXXX : Direct Subsidized Consolidation : ( Disbursed XX/XX/XXXX ; Original Balance {$16000.00} ) Direct Unsubsidized Consolidation : ( Disbursed XX/XX/XXXX ; Original Balance {$13000.00} ) MOHELA is currently withholding data that is essential for the Department of Education to calculate my eligible refund. I am requesting that MOHELA immediately release my full Transaction History to both me and the Department of EducationXXXX so that my federal discharge can be completed. XXXX received a request for discharge on XX/XX/XXXX case number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: SC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I made an online purchase through a merchants website and paid using PayPal. At checkout, the total displayed was {$26.00}, including shipping. No sales tax was disclosed prior to payment. 

After completing the transaction, PayPal charged {$33.00}, including a {$6.00} sales tax charge that was not shown at checkout. The {$6.00} charge is approximately 25 % of the {$26.00} total shown at checkout, well above XXXX applicable sales tax rate. 

The merchants order confirmation email also showed a total of {$26.00} and did not include any tax, confirming that this charge was neither disclosed nor authorized. 

This is approximately the fourth time I have experienced this issue. On XXXX prior occasions, I disputed similar undisclosed charges through PayPal. Each time, PayPal ruled in favor of the merchant and closed the case without addressing the lack of disclosure. 

Because my previous disputes were denied, I did not file another dispute in this instance. Instead, I contacted the merchant directly and requested a refund. The merchant agreed to refund the {$6.00} only after my intervention. 

I am concerned that PayPal continues to process and defend undisclosed or erroneous charges labeled as sales tax, and that many consumers who do not dispute these transactions may be paying improper amounts without realizing it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My account was closed without explanation after a XXXX transfer from my brother. The account was new and the transfer was large relative to balance. My phone number is now restricted from XXXX. No illegal activity occurred. I am requesting review and restoration of my XXXX access.

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 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
I have a loan with Upstart. I wanted to pay off my loan. I spoke with a representative who gave me details on how to pay off my loan. I informed them that I was going to mail a cashier 's check they provided me with the address and said to send the total payment. I mailed them a check amounting in {$2200.00} to pay off both of my loans. The loans are under my name. I sent the check on XX/XX/year>. based on the tracking, they received it on XX/XX/year>. I immediately called them on XX/XX/year>. I spoke with a representative who confirmed they received my check. They said I overpaid them on one of my loans and that they can not apply the balance to my other loan. I was on the phone with them for over 35 minutes. I was frustrated and told them that I was informed to send one payment to pay off both loans. I do not understand why they can not apply my payment to both loans that are listed in my name. They said they can not and that they will send my balance through mail and that it will take at least 30 days to get to me. I informed that that in 30 days, more interest will accrue and what I owe will change significantly. They said there was nothing they can do. I was informed by the supervisor that they can not apply payment to the other loan and that I have to wait 30 days to receive my overpayment balance then I can mail it in to pay off the other loan. I told them this was a cashier 's check, not a regular check. They didn't help me. So, I called again that same day and spoke with a representative for 20 minutes with my wife. We asked if they can somehow push this matter to their higher ups and see if something can be done. The supervisor said he can expedite our matter and see if there's a way they can apply the overpayment to the other loan because waiting 30 days will cause interest to accrue and we will end up owing more later and that isn't fair for us as we sent in the payment earlier. After that call, we received an email saying they received it. We called again on XX/XX/year> ( spoke for over 30min ) and XX/XX/year> ( spoke for over 20min ). Nothing. They keep sending automated emails saying they received our concern, but when we speak to the reps, they said we have to wait 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: GA

Complaint narrative:
I am disputing a debt being collected by TEK Collections related to XXXX financing through XXXX XXXX. XXXX ceased operations and was unable to complete my XXXX  treatment. Because the services were not completed, this debt is invalid. 

Despite this, the account was sent to collections. I have formally requested validation of the debt, including proof that services were completed and that I am legally obligated to pay. No such documentation has been provided. 

I am requesting that this account be removed, that all collection activity cease, and that any credit reporting related to this account be deleted. Attempting to collect a debt for services that were never provided is unfair and deceptive. 

I am currently reviewing my legal options, including potential class action participation or other legal remedies. 

I am requesting full resolution, including removal of the debt from all records, cessation of collection activity, and deletion from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Capital One sent me a pre-approval in XXXX, however when I apply I am denied based on " activity on one or more of my accounts '' Both my credit card and bank account with Capital One were discharged in XXXX and I have no other account with them. I have repeatedly contacted them to find out what account this is for and have been sent to one customer service agent to the other with no answers. I would like Capital One to show proof that any account opened up that was not discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: KY

Complaint narrative:
XXXX -- XXXX || Re : XXXX || OBSResearch@pnc.com " I can't do anything. Just submit another payment. '' VISITED PNC BRANCH TODAY XX/XX/XXXX WITH POSITIVE BALANCE. PAYMENT WAS SUBMITTED PRIOR XX/XX/XXXX. SAME ISSUE DATING BACK TO XX/XX/XXXX. 

XXXX XXXX : " NOT ABLE TO UNDO INTEREST AND PAST DUE WAIVERS. '' " Thank you for taking the time on XX/XX/year>, to contact the PNC XXXX XXXX XXXX. I received your Online/Mobile Banking request, and I have not been able to reach you by phone at XXXX. 

If you are still having trouble, please contact us at XXXX, and we will be happy to assist you further. 

Sincerely, XXXX Case Manager Retail Support Online "

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have call a number of times to unfreeze my account and have been unsuccessful in doing so there is an automatic system that will not allow you to speak with a rep. I have called many times and still can not reach a live rep. I need to unfreeze my account and I do not have a pin that they keep requesting. it going on three weeks

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing a complaint regarding an improper interest charge on my Bank of America Business Cash Rewards credit card. 

On XX/XX/XXXX, I redeemed cash rewards of {$2.00} and made a payment of {$10000.00}, for a total of {$10000.00}, which exactly matched the full statement balance due on XX/XX/XXXX. This payment was completed before the due date, and therefore the account balance was paid in full. 

Despite paying the full balance on time, Bank of America charged me {$100.00} in interest on XX/XX/XXXX. 

Because the entire statement balance of {$10000.00} ( {$2.00} + {$10000.00} ) was paid before the due date, no interest should have been assessed. Charging interest under these circumstances is incorrect and violates standard credit card billing rules.

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is -XXXXis 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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am disputing a credit card charge for an online purchase purchase where the merchant refused to honor their " satisfaction guarantee '' advertised on their website. I relied on the satisfaction guarantee at the time of the purchase. 

I filed a dispute with Capital One and provided all available documentation, including the order confirmation emails, proof of payment, photographs of the product, and correspondence showing the merchant 's refusal to honor the advertised satisfaction guarantee.

Capital One XXXX  is refusing to process or escalate the dispute repeatedly informing me that I have not sent " all requested documentation ''. I called and spoke to a supervisor in the XXXX  department, who informed me they received everything except an " invoice ''. 

I have repeatedly informed Capital One that I never received any invoice from the merchant. In spite of that, Capital One repeatedly sends me notices claiming they can't proceed with the dispute because I have not sent them everything they requested. 

Today, I called Capital One XXXX  Dept. and requested what was needed and again the dispute supervisor informed me they are unable to process the dispute without an invoice from me. She said this was not Capital One 's rule- it is a XXXX Core Rule. She refused to cite a specific rule or accept substitute documentation or a written statement in lieu of an invoice. 

This dispute falls under XXXX Core Rule 13.5 ( Misrepresentation / Failure to Honor Advertised Terms ), which applies when a merchant fails to honor a clearly disclosed satisfaction guarantee. 

I am requesting review of Capital One 's refusal to process this dispute and it's handling of my claim. 

I want a refund of my {$160.00} as I am not satisfied with the products I received from the merchant and they refused to honor the " satisfaction guarantee ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Date : XX/XX/XXXX XXXXTo Whom It May Concern, This letter serves as a formal Cease and Desist notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

You are hereby directed to immediately cease and desist from any and all communication with me, including but not limited to phone calls, text messages, emails, letters, or contact through third parties, regarding the above-referenced account. 

Additionally, I dispute this account in its entirety. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure the accuracy of any information furnished to consumer reporting agencies and to cease reporting any account that can not be fully verified. 

Accordingly, I hereby demand that you immediately remove any and all credit reporting related to this account from XXXX XXXX, XXXX, and any other consumer reporting agency to which you have furnished information. 

Any continued reporting of this accountparticularly while it is disputed and after receipt of this noticemay constitute violations of, but not limited to : 15 U.S.C. 1681s-2 ( a ) & ( b ) Furnishing inaccurate or unverified information 15 U.S.C. 1692e ( 8 ) Communicating false or misleading credit information 15 U.S.C. 1692f Unfair or unconscionable collection practices Be advised that any continued collection efforts or credit reporting after receipt of this notice will be documented as knowing and willful violations of federal law. I am prepared to pursue all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Illinois Attorney General, and initiating civil action to recover statutory damages, actual damages, and attorneys fees. 

This letter is not an acknowledgment of liability, it is a refusal to pay. It is a lawful demand that you cease all communication and permanently remove all credit reporting associated with this account. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical-Commercial Audit Inc
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX SSN : XXXX Date : [ XX/XX/year> ] To Whom It May Concern, This letter serves as a second notice regarding accounts you continue to report despite my prior dispute. 

Your response failed to provide competent documentary evidence required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). A generic statement that a balance is owed does not constitute a reasonable investigation.

You have now continued reporting after notice, which elevates this matter from a dispute to willful noncompliance.

I demand the following within 15 days : 1. Written explanation of how your investigation was conducted 2. Identification of the human investigator assigned ( not automated systems ) 3. Copies of original account-level documents relied upon 4. Proof the information was independently verified, not merely confirmed internally Failure to produce this information constitutes admission that no reasonable investigation occurred.

If compliance can not be demonstrated, immediate deletion is required to mitigate damages. 

This notice preserves all rights and remedies. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding PayPals handling of a duplicate payment caused by its internal processing after I followed PayPals explicit instructions. 

On XX/XX/year>, I attempted to send a {$2600.00} payment. The initial attempt failed because PayPal defaulted to a linked credit card with insufficient funds. PayPal then instructed me to make it right and resend the payment, which I did immediately using my PayPal balance. 

I had no knowledge or expectation that PayPal would later process the original failed transaction. However, PayPal subsequently completed that original payment as well, resulting in the recipient receiving a total of {$5200.00} for a single {$2600.00} obligation. 

PayPal denied my dispute by reviewing the transaction in isolation rather than the duplicate-payment sequence. I am requesting that PayPal correct this error by reversing or crediting the duplicate {$2600.00} payment, correcting the resulting negative balance on my account, and confirming that no automatic debits will occur while the matter is under review.

This complaint concerns PayPals payment processing and dispute handling. The recipient is not alleged to have committed any wrongdoing.

Company response to consumer: Closed with explanation