vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
XX/XX/XXXX : Homeowner proactively initiated a short sale request to settle debt. The account was not in foreclosure at this time. XX/XX/XXXX : HomeLoanServ ( XXXX ) confirmed title was ordered for short sale consideration. XX/XX/XXXX : XXXX confirmed the title was ordered and the appraisal was submitted. Appraisal was ordered, but it was not going to occur until the title results were back for consideration. No updates were provided on the results. Client was advised to " allow more time. '' XX/XX/XXXX : While the short sale was supposedly under review, XXXX referred the account to Foreclosure ( XXXX ). XX/XX/XXXX : XXXX stated the short sale could not proceed due to an existing lien from XXXX XXXX, despite we explained the XXXX could not be cleared immediately, and that we were hoping to negotiate it in closing state ( Most of lenders let you take care of liens at the closing stage ) Foreclosure proceedings were active as of this date, but XXXX failed to provide attorney information. XX/XX/XXXX : XXXX confirmed active foreclosure status. The XX/XX/XXXX attorney ( XX/XX/XXXXXXXX. XXXX confirmed no sale date had been set yet. XX/XX/XXXX : XX/XX/XXXX attorney confirmed a scheduled Foreclosure XXXX for XX/XX/XXXX. XX/XX/XXXX : A new complete short sale package was submitted with a buyer willing to assume the XXXX XXXX XXXX. XX/XX/XXXX : XXXX confirmed receipt of all documents and stated an appraisal was ordered. The representative claimed no further documents were needed. XX/XX/XXXX : XXXX contradicted the previous representative, claiming no appraisal was ordered, and no notes of a short sale existed. She cited a denial from XX/XX/XXXX. A denial letter was received ; XXXX denied reviewing the file for a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: LA

Complaint narrative:
I am submitting this complaint regarding a servicing error by my federal student loan servicer, MOHELA. On XX/XX/XXXX, a payment in the amount of {$20000.00} was made to MOHELA on my behalf directly from my employer. This payment was accompanied by a written letter providing clear instructions regarding how the payment was to be applied. The instructions specified that the payment should be applied as XXXX separate monthly payments under my XXXX XXXX ( XXXX ) plan while I continue pursuing XXXX XXXX XXXX XXXX ( XXXX ). I currently have XXXX federal loans serviced by MOHELA : Loan XXXX : Direct Subsidized Loan Monthly payment : {$280.00} Loan XXXX : Direct Unsubsidized Loan Monthly payment : {$1300.00} The instructions that accompanied the payment clearly stated that the funds should be applied monthly in those specific amounts to those specific loans in order to cover the next XXXX months of payments. Instead, MOHELA incorrectly applied the entire payment as a single lump-sum payment rather than advancing my due date and applying the funds as XXXX separate monthly payments as directed. Because of this servicing error, my account began showing missed payments even though sufficient funds had already been provided to cover the next year of payments. My account is now being reported as XXXX I attempted to resolve this issue directly with MOHELA numerous times. I contacted MOHELA through their secure message portal on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In addition, I have contacted MOHELA multiple times by phone during this same time period. Despite these repeated attempts over the past XXXX months, the issue has not been corrected. On XX/XX/XXXX, I submitted a complaint/feedback case to the Federal Student Aid Office of the Ombudsman. I have not yet received any response. On XX/XX/XXXX, I was notified by XXXX that my credit score had dropped from XXXX to XXXX. My XXXX credit score dropped from XXXX to XXXX as a result of this incorrect delinquency reporting. This servicing error is causing severe and unjustified damage to my credit and could also impact my progress toward XXXX XXXX XXXX XXXX. I currently have approximately XXXX qualifying XXXX payments. I am requesting the following corrective actions : XXXX. Reapply the {$20000.00} payment correctly so that it covers XXXX monthly payments as originally instructed. XXXX. Remove all delinquency status associated with this servicing error. XXXX. Correct all negative credit reporting made to the credit bureaus. XXXX. Confirm that my XXXX qualifying payment count will not be negatively impacted by this error. This delinquency and credit reporting are the direct result of a servicer error and should be corrected immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing multiple accounts reported by XXXX XXXX on my credit report. I previously requested verification of these debts and the company only provided generic loan agreements without any documentation showing that I opened the accounts or that I am legally responsible for the balances. No purchase receipts, merchant documentation, or identity verification records were provided. These accounts were also previously assigned to a third-party collector, XXXX, who later confirmed they were no longer servicing the account and returned it to XXXX while the dispute was pending. Despite the lack of verification, Experian continues to report numerous separate tradelines from XXXX that appear to represent point-of-sale installment purchases rather than separate credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I am filing this complaint regarding a collection account that has appeared on my credit report which I do not recognize and have no knowledge of. It is extremely frustrating and distressing to suddenly be associated with a debt that is unverified and does not belong to me. I have also been receiving repeated communications and collection attempts through various platforms, which feels like harassment. Being threatened with possible legal action over a debt that I do not owe is unacceptable and deeply concerning. As a law-abiding consumer, this situation is both insulting and harmful, and it has taken a serious toll on my peace of mind and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX XXXX XXXX app displayed a {$0.00} balance and {$0.00} minimum payment due on my credit card account for a period of time. Based on this information, I believed no balance was owed. However, interest continued to accrue and automatic payments were still being withdrawn. I later discovered that a balance and interest charges were accumulating even though the official XXXX app showed {$0.00} balance and {$0.00} payment due. I attempted to resolve this with XXXX customer service but was unable to get a clear resolution.

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 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Date XX/XX/year> To : Credit Bureau Dispute Department I am writing to formally dispute several inaccurate charge-off accounts reporting on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation of the following accounts. The accounts are reporting inaccurate and incomplete information including incorrect balances, incorrect account status, and inaccurate charge-off reporting. Dispute Codes : 001 Not my account 002 Incorrect balance 009 Incorrect account status 012 Charge-off reporting incorrectly 017 Inaccurate payment history Please investigate and verify the following for each account : Original signed credit agreement Complete payment history Proof the creditor has the legal right to report this account Documentation showing how the reported balance was calculated Verification of the date of first delinquency If these accounts can not be properly verified under FCRA Section 611, they must be removed from my credit report immediately. Please send me written confirmation of the investigation results. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: CT

Complaint narrative:
I am filing a complaint regarding the reporting of a 30-day delinquency in XX/XX/XXXX on my home equity line of credit with KeyBank. XX/XX/XXXX coincided with the beginning of the COVID-19 national emergency and the passage of the CARES Act, which encouraged lenders to provide payment accommodations and protect consumers credit reporting during this unprecedented period. My account has otherwise maintained a strong payment history since the loan originated in XXXX. This isolated late payment occurred during the period of significant disruption associated with the onset of the pandemic. I requested that KeyBank consider removing this late mark as a goodwill adjustment in light of the CARES Act framework and the extraordinary circumstances at that time. KeyBank declined my request. Given my long history of responsible payments and the unique circumstances surrounding XX/XX/XXXX, I respectfully request that KeyBank reconsider and remove the 30-day delinquency from my credit reports with the major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OR

Complaint narrative:
On XX/XX/year>, I sent a formal " Notice of Dispute and Demand for Debt Validation '' via email to Crown Asset Management , LLC regarding alleged account XXXX. This notice explicitly demanded proof of the " Chain of Title '' from the original creditor ( XXXX XXXX XXXX ) to the current claimant, as well as a copy of the original signed promissory note. Instead of providing the legally mandated validation required under 15 U.S.C. 1692g, Crown Asset Management appears to have transferred the matter to XXXX XXXX XXXX XXXX. On XX/XX/year>, I received a letter from XXXX XXXX XXXX XXXX demanding a balance of {$20000.00}. This letter failed to provide any of the requested legal documentation or proof of ownership. Instead, the collector attempted to shift the burden of proof to me, requesting that I provide them with documentation to " investigate '' the dispute. Under federal law, the debt collector bears the sole responsibility to verify the debt upon receipt of a timely dispute. XXXX The companies involved are in violation of the FDCRA for the following reasons : Broken Chain of Title : There is a documented break in the chain of title between the originator, XXXX XXXX XXXX, and the entities now attempting to collect. The account was not lawfully transferred into the specific trust associated with the current claimants, meaning they lack the legal standing to enforce this obligation. Collection of a Discharged Debt : This alleged debt was previously discharged by operation of law under ORS 73.0603. A valid tender of payment was previously made to the predecessors of this account and was refused. Pursuant to the Uniform Commercial Code, the refusal of a full tender of payment discharges the underlying obligation. False and Misleading Representations : By demanding payment for a discharged debt while lacking a valid chain of title, the collectors are misrepresenting the legal status and character of the debt in violation of 15 U.S.C. 1692e. Improper Credit Reporting : XXXX XXXX XXXX XXXX admitted in their XX/XX/XXXX letter that they may have already reported this account to credit bureaus. Because the debt is discharged and ownership is not verified, this constitutes willful credit defamation. This inaccurate reporting has caused significant financial harm, including the denial of a real estate refinance, resulting in documented damages of {$1.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: TN

Complaint narrative:
My mortgage balance is incorrect due to delayed application of my additional principle payments by Village Capital and Investment, LLC. My outstanding balance shows {$9.00} more than what I actually owe due to a late application of additional principle payments I made on XX/XX/year>. Instead of applying my $ XXXX in additional principle on the day they received it ( XX/XX/year> ), they delayed application until XX/XX/year> and lumped it together with the $ XXXX additional principle from my XX/XX/year> mortgage payment. This forced an incorrect interest accrual on an incorrect loan balance for the month of XXXX resulting in the additional {$9.00} showing on my current balance. These monthly payments are the same each month and are auto-drafted by Village Capital & Investment , LLC each month so there is no surprises or variations in these payments. Village Capital & Investment, LLC continues to mis-manage my VA-backed mortgage and they are non-responsive to my inquiries for corrections. For the second time in less than 5 months, they are incorrectly reporting my mortgage loan balance. I filed a similar CFPB complaint back in XXXX relating to the same issue and, even though their methods were illogical, they did eventually arrive at the correct loan balance. Within a week of that resolution, they had already failed to accurately account for my scheduled monthly mortgage and principle payments and I'm again faced with an incorrect loan balance. This mortgage servicer is INCOMPETENT and SHOULD NOT be servicing VA-backed loans. My ultimate desire is to get this error corrected and then have my mortgage re-assigned to a competent bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I asked American Express to provide the identity verification form referenced in CFPB Complaint XXXX. Instead, American Express sent me a phone number to contact XXXX, and the representatives weren't able to provide it. Can you please provide the form so I can fill it out and mail it in? Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I was sent a summons to court. I talked to someone on the phone who works for an attorney. I stated to that person that I have NOT received a detailed bill per Indiana law. She indicated I would need to send that request via email to their legal department. I sent that email requesting that detailed bill. I also stated in that call that I expect their " autodialer '' calls are to stop immediately. I was then told that they can't do that as a debt collector. I also included this in my request for information. They have had XXXX XX/XX/XXXX to discontinue these " autodialer '' calls with no one on them. As of XXXXXX/XX/XXXX, today XXXX XX/XX/year>, I am still receiving these autodialed calls. As was listed in the email, there are days where I receive an excessive number of these calls AND their messages are blank. The phone call back ID on this call was XXXX. As indicated in the email to them, calls not on the autodialer and that are just automated messages are OK to call me. The autodialed calls are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: MI

Complaint narrative:
I do not believe that this is my debt. I have never received any proof that this is my debt from this company. I have reached out without any correspondence multiple times. I sent a formal request to this debt collector for validation of this debt by asking for these 5 things : 1. A copy of the original lease or agreement with my signature 2. An itemized breakdown of charges and balances 3. Legal documentation showing your authority to collect ( assignment or purchase agreements ) 4. The address and residency information you used to verify this debt 5. The name and documentation of the original property owner or XXXX. This formal request was sent via certified mail and was received by the debt collector on XX/XX/year>. They did not provide any proof of these items and did not respond in any capacity to my request. I have also attempted to notify the collector via online disputes to ask for debt validation. Although they have never shown any validation or any communication to me, they continue to report this factious and incorrect debt as an open collections on my report. Attached for documentation, I have provided - The Certified mail receipt, A copy of the letter sent, a screenshot of the debt still reporting factiously and incorrectly, and a copy of my Transunion report from today showing it still effecting my report, score and life as a whole. I am willing and able to provide any other documentation, including but not limited to, the reports from all XXXX bureaus ( as it is reporting on all XXXX bureaus without verification of the debt ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PatientFi, Inc.
State: NY

Complaint narrative:
I am reporting a violation of XXXX XXXX XXXX and UDAAP regarding an 'All-on-Six " dental loan. The Facts : > XXXX. On XX/XX/XXXX, a recorded call ( confirmed by the company ) authorized a payment for XX/XX/XXXX to bring the account current. XXXX. The payment was received on XX/XX/XXXX. XXXX. The company is now attempting to refund this valid payment to force an inaccurate 'Charge-Off ' status. Requested Resolution : Rescind the refund immediately, credit the account as 'Current ' as of XX/XX/XXXX, and formally XXXX the debt from the collection agency ( Bounce AI ) as an administrative error. Proof of the payment arrangement ( XX/XX/XXXX ) and the draft ( receipt date of XX/XX/XXXX, withdrawal on the following business day ) is attached.

Company response to consumer: Closed with non-monetary relief