vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NM

Complaint narrative:
I am filing this complaint regarding multiple collection accounts being reported without sufficient verification of legal responsibility or proper documentation. 
XXXX XXXX {$260.00} This collection account reflects a balance of {$260.00} and was opened on XX/XX/XXXX. The consumer disputes responsibility for this account and does not recognize it. The account continues to report as a collection without providing original contract documentation, account statements, or proof of lawful assignment if transferred. No sufficient verification has been provided despite dispute. 
XXXX XXXX XXXX {$760.00} This debt buyer account was opened on XX/XX/XXXX with a reported balance of {$760.00}. The original creditor is XXXX XXXX XXXX XXXX. The account continues to report as a collection, including a reported payment dated XX/XX/XXXX. The consumer disputes responsibility for this debt. No original signed agreement or full chain of assignment documentation has been provided establishing lawful transfer to the debt buyer. 
XXXX XXXX XXXX {$4800.00} This debt buyer account was opened on XX/XX/XXXX with a reported balance of {$4800.00}. The original creditor is XXXXXXXX XXXX  The account has been reported as a collection from XX/XX/XXXX through XX/XX/XXXX. The consumer disputes this debt and has not received competent documentation establishing legal obligation or a complete chain of assignment. Reporting continues without sufficient verification. 
Aargon Agency {$2500.00} ( Medical Collection ) This medical collection account was opened on XX/XX/XXXX with a balance of {$2500.00}. The original creditor is XXXX XXXX. The reporting history reflects inconsistent status updates, including alternating Collection and No Data designations between XX/XX/XXXX and XX/XX/XXXX. The consumer disputes this alleged medical debt and has not been provided itemized billing, proof of assignment, or documentation demonstrating lawful authority to collect and report medical information. The inconsistent reporting raises concerns regarding accuracy and compliance. 
XXXX XXXX {$150.00} This collection account reflects a balance of {$150.00}. The consumer does not recognize this account and disputes its validity. No documentation has been provided to verify legal responsibility for this alleged debt.

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 2026-02-16 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Since XX/XX/year>, I have disputed several unauthorized Apple Card transactions on XXXX separate occasions. Despite repeated investigations and reversals, the same charges continue to be reinstated on my account. I do not recognize these transactions and have consistently maintained that they are fraudulent. 

The repeated re-posting of these disputed charges has caused ongoing financial stress and uncertainty. I am requesting a thorough and final review of this matter, along with a written explanation of why these charges continue to be reapplied despite my prior disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Around late XX/XX/XXXX, I responded to a promo offer of {$250.00} credit up on approval of an XXXX XXXX XXXX credit card and completed the application. On mid XX/XX/XXXX, I received a letter from Chase dated XX/XX/XXXX informing that the credit card application was denied because of Too few accounts on file for a sufficient length of time. The letter indicates that my credit information was obtained from XXXX XXXX. I checked my XXXX XXXX credit information and haven't 10 accounts open and closed with 5 plus years. The letter also indicates that I had a FICO Score of XXXX. I called customer service for clarification and was told that because the application was over 30 days old they no longer had the information in their system and to get an explanation I will need to reapply. To me that is unacceptable. How can they request a customer to reapply for a credit card to get an explanation of a pass application knowing the this process will affect the customers credit score. In my opinion I was discriminated and denied a reasonable explanation just because....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My checking account has been set up for years to return transactions if I didnt have enough money. When payments tried to go through before, they were returned and not paid, and I never overdrafted. This is shown in my transaction history from XX/XX/XXXX through early XX/XX/XXXX. 

Around XX/XX/XXXX, something changed without me doing anything. Payments that would normally be returned were suddenly allowed to go through, and overdraft fees were charged. This caused my account to go negative very quickly. 

Because of this change, my paycheck that was deposited around XX/XX/XXXX was taken to cover the negative balance. I am disputing this because the negative balance only happened after my account settings changed without my permission. 

I never turned overdraft or courtesy pay on, and I did not approve any changes. I relied on my account always returning transactions when there wasnt enough money.

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
On XX/XX/year>, I received an email from Lloyd & McDaniels, PLC saying that they sued me for a debt that there was NEVER any litigation for. I never received a letter from them saying theyve taken a case against me or a phone call. This is a violation of 15 USC 1692. They are attempting to threaten me with legal action for a debt they never gave me an opportunity to contest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DRB-40, LLC
State: NY

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 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 2026-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I have a screenshot from XX/XX/year> of the debt of XXXX marked as paid. I have a statement from the practice administrator that our billing issue was resolved. After communication ended, they sent this bill of XXXX to collections.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXXI XXXX  with the Wells Fargo app to my girlfriend XXXX XXXXAlso to my landlord XXXX XXXX XXXXI XXXX  those amounts both to them and when they were supposed to receive it they never did. I go back to check my statements it doesnt show the transaction but they did indeed take my money. I am reaching out to try and get help because this is a lot of money that I trusted within the bank.'

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 2026-02-16 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: NJ

Complaint narrative:
As part of a home refinance my loan # XXXX with UpStart with a balance of {$450.00} was paid in full with a check sent by XXXX XXXX XXXX, XXXX ( Title company ) for {$560.00} and it was cashed by UpStart on XX/XX/XXXX. I started receiving bills for payments and they withdrew out my checking account payments for XXXX for {$150.00} and another one in XXXX for {$150.00}. On XX/XX/XXXX I called UpStart and sent them copies of the cashed check for {$560.00}. They gave me case ID XXXX and said I would be hearing back a resolution in 10 business days. After not hearing back I spoked to XXXX on XX/XX/XXXX and he said to give them 5 more days, not hearing back I called and talked to XXXX on XX/XX/XXXX who told me a manager will call me. On XX/XX/XXXX the email me and told me they were looking into my complaint. On XX/XX/XXXX my Loan became past due for a payment of {$150.00} because I took it of autopay. On XX/XX/XXXX, after receiving more messages my loan was 2 weeks overdue I called and spoke to XXXX who is now telling me it could take 45 business days. I have attached copies of the cashed check front and back deposited into UpStart XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: NE

Complaint narrative:
On XX/XX/2026, a merchant issued a confirmed refund in the amount of {$190.00} back to my XXXX  debit card. I have written confirmation from the merchant verifying that the refund was processed and completed on that date. 

As of today, more than 30 days later, the refunded funds have not been credited to my XXXX balance. My XXXX  account is fully active and not frozen or limited. 

I have contacted XXXX  multiple times to resolve this issue, including by phone. During multiple phone calls, I was disconnected while attempting to escalate the matter. I have requested confirmation of whether XXXX  received the refunded funds and have not received a clear explanation. 

Debit card refunds typically post within 310 business days. A delay of over 30 days from the original transaction of XX/XX/XXXX without explanation is unreasonable. 

I am requesting : Confirmation that XXXX  has received the {$190.00} refund. 

Immediate credit of the funds to my account.

A written explanation for the delay.

I have made multiple good-faith attempts to resolve this directly with XXXX  and am now requesting formal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am receiving repeated calls regarding an alleged debt, yet no voicemails or messages have been left, making it difficult to verify your claims or respond appropriately. My credit score keeps getting impacted due to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Credit Collection Service is attempting to collect a debt that is directly tied to identity theft and has been wrongly associated with my personal information. I have repeatedly requested verification from XXXX XXXX, the company identified as the original creditor, yet they have failed to provide any credible documentation proving that this debt exists or that I am in any way responsible for it. Their inability to produce a contract, signature, or any form of legitimate evidence not only undermines the validity of the claim but also highlights the serious consequences identity theft imposes on innocent victims like me. The absence of verifiable proof should raise significant concerns regarding the legitimacy of these collection efforts and the protection of consumer rights especially given that I have never signed, authorized, or entered into any agreement with either party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX, XXXX. sent a letter to me on or around XX/XX/year> that THEY were a debt collector, attempting to collect a debt. I responded to them to provide verification of the legal ability to collect debt, as the firm is NOT in the XXXX  site 's database. Instead, a different attorney from the same firm again sent a similar letter. I again informed them that neither the firm nor either of the two attorneys were registered as debt collectors and yet both mailings indicated that the letters were from a debt collector - NOT, that they represented one. Instead of addressing my question, they responded by representing the alleged debt collector by filing suit against me- possibly retaliating because of my questioning of the firm or because they'd recently filed suit against my wife, only to have the judgment included in her bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear CFPB, XXXX XXXX XXXX is attempting to collect a debt that is directly tied to identity theft and has been wrongly associated with my personal information. I have repeatedly requested verification from Experian , yet they have failed to provide any credible documentation proving that this debt exists or that I am in any way responsible for it. Their inability to produce a contract, signature, or any form of legitimate evidence not only undermines the validity of the claim but also highlights the serious consequences identity theft imposes on innocent victims like me. The absence of verifiable proof should raise significant concerns regarding the legitimacy of these collection efforts and the protection of consumer rights especially given that I have never signed, authorized, or entered into any agreement with either party.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
I am a small business owner whose account was approved and later closed by Relay Financial after a legitimate client payment was deposited. The funds fully posted and cleared, and there has been no allegation of fraud communicated to me. 

Despite my account being closed, Relay Financial is holding my remaining balance of {$2300.00} and customer service has stated the funds may be held for 4060 days. This delay is causing severe financial hardship. I rely on these funds to operate my business, pay bills, and care for my children. 

I have repeatedly contacted Relay Financial requesting the release of my cleared funds and have not received a reasonable resolution. XXXX cleared business funds for up to 60 days after account closure is excessive and unfair to a small business owner. 

I am requesting CFPB assistance to require Relay Financial to immediately release my remaining funds and provide a clear disbursement timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I was charged a non refundable {$4500.00} security deposit to move into an apartment. When I moved out the same company false claimed I owned them an additional {$5000.00}. I informed them I did not and the claim was false. I also requested to take the matter to court. The company did not respond and simply put the false claim against my credit. I wish to dispute this false claim. I am willing to take the matter to court if they refuse. A individual or entity can not simply make up amounts another owes. There has to be a mechanism by which there is a legal determination whether debts are legitimate or not. I wish to challenge the legitimacy of this debt. 

Additional information provided by consumer : XXXX Consumer provided requested information Company : National Credit System Company Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
Im post discharge of BK as of XX/XX/year> and was trying to Full payment history from date of bankruptcy filing to present 2. Current reinstatement quote 3. Escrow analysis 4. Suspense account balance 5. Explanation of alleged delinquency 6. Explanation of why online access is restricted 2 request and no response and loan modification trial period is up. I want to pay my outstanding but cant get correct information.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I receive funds from social security as well as XXXX state XXXX. My deposits come in on occasions early depending on if it's a holiday, what just happened to me true this complaint I receive both direct deposits one in the amount of {$1800.00} from XXXX the other from social. Security, which was {$2400.00}. My rent is due every month in the amount of XXXX actually paid my rent ahead of time and then later found out that the payment was rejected due to insufficient funds, I reached out to Wells Fargo and I spoke with 2 supervisors in the upper management department that kept explaining that my rent payment had gone through on their end. I kept explaining to them that the rent payment did not because I received an email from a property manager. I wind up contact in Wells Fargo on 3 separate occasions. Regarding the same situation, the last person I spoke to told me that I had overdrive fee in the amount of {$590.00}, which floored me, I stated to him that I watch my accounts very clearly before I access funds or make any payments. The person told me that I receive the overdraft, due to the fact that my social security XXXX check showed me that it was available. Allow me to withdraw money and make other payments, and then the representative told me. The funds were not actually in my account even though it showed what he stated to me is he was not able to give me a correct answer, and that he would escalate the problem to the executive team. I'm very disturbed because for the last few months, I've been trying to figure out what's happening to my money and why I keep receiving these insufficient funds, which is impacting my credit score, I have had a perfect credit score for the last 4 months in the range of XXXX now, my credit score has dropped to XXXX due to this problem.

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 2026-02-16 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: NC

Complaint narrative:
To Whom It May Concern : I am writing to dispute the continued reporting and servicing of my federal student loans. These loans date back to approximately XXXX, and the payment history, IDR participation, and qualifying public-service employment associated with these loans have not been accurately tracked or applied. 

I previously submitted documentation of qualifying employment, including Public Service Loan Forgiveness ( PSLF ) certification related to my full-time employment with XXXX XXXX XXXX XXXX XXXX. This documentation was provided years ago and should have been properly recorded and applied to my account. 

Because of MOHELAs failure to accurately document and apply qualifying payments and repayment history, my loans remain active when they should have been discharged years ago. The continued reporting of these loans to the credit bureaus is inaccurate and misleading. 

At this time, I am requesting the following : Immediate discharge of all eligible federal student loans Removal of all related credit reporting associated with these loans Written confirmation of discharge and account closure Documentation explaining why qualifying payments and employment certification were not properly applied when originally submitted If this matter can not be resolved promptly, I will pursue formal complaints through the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education Ombudsman Group, and other appropriate legal channels. 

Please treat this as a formal dispute and request for resolution

Company response to consumer: Closed with explanation