vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 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: IN

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
I was in the XXXX in XXXXXXXX XXXX XXXX I was trying to make my mortgage payment and PennyMac loan services would not take a payment online nor over the phone. They told me I can only wire a payment or go to XXXX XXXX. Because of the time difference I couldn't go to XXXX XXXX and I was force to pay by wire transfer. Due to the time difference in the XXXX and the XXXX, I made the payment on XX/XX/XXXX. The payment was on time but didn't post because of the time difference and PennyMac posted on XX/XX/XXXX. I had spoken to PennyMac and they assured me this wouldn't be a problem and not only that I had made a payment the week before through XXXX that they rejected and I didn't know because it was an ACH. This is completely unfair for them to report this on my credit report as late when they severely limited my options for paying even thought I had the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Pro collect for their willful violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pro collect is attempting to collect, and is actively reporting, an alleged debt of {$8600.00} originating from XXXX XXXX XXXX On XXXX XXXX, I exercised my rights under 15 U.S.C. 1692g and sent a formal Debt Validation Request to Pro collect. Tracking information confirms they received this request on XXXX XXXX. It has now been well over 30 days, and Pro collect has completely failed to provide any valid proof, documentation, or verification of this alleged debt. Despite their failure to validate, Pro collect is illegally continuing to report this unverified debt to the credit reporting agencies. Under 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activitiesincluding credit reportinguntil the debt is properly validated. By failing to validate the debt yet continuing to report it, Procollect is willfully furnishing inaccurate and unverified information, which is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am trying to dispute a charge for airline tickets. The airline canceled or significantly changed my flight and I did not receive the service I paid for. The travel agency refused to issue a refund and only provided a voucher. Wells Fargo is refusing to process my dispute even though this is clearly a case of services not rendered. I am requesting that Wells Fargo properly investigate and process my chargeback.

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 2026-03-17 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: TX

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 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have 120 qualifying payments I have the certification from my job proving that Ive been working for the past 10 years and my qualifying payments still say XXXX its been over 9 months and I cant get an update on why my payment are not up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: FL

Complaint narrative:
Jefferson capital systems is reporting across all 3 credit bureaus and account with an amount of {$4900.00}. Ive tried to dispute several times, but comes back as verified. I have no idea or recognize this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: FL

Complaint narrative:
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 2026-03-17 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: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-03-17 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: AL

Complaint narrative:
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 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am disputing Wells Fargos denial of my XXXX fraud claim involving {$500.00} from my account ending in XXXX ( Case # XXXX and # XXXX ). Wells Fargo denied my claim stating the transaction occurred during a secure online banking session. However, they have not provided any evidence to support this conclusion. I formally requested documentation including the IP address, device ID, authentication logs, login location, timestamps, and transaction metadata used in their investigation. Instead of providing this information, Wells Fargo stated that I must wait up to 30 days while the case remains closed. Wells Fargo is relying on assumptions of authorization without providing verifiable proof. This does not meet the standard of a reasonable investigation under Regulation E. I am requesting that Wells Fargo : Reopen the claim Provide all technical evidence used in their decision Conduct a proper investigation into whether the transaction was truly authorized I believe this claim was improperly denied and requires further review.

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 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am a victim of identity theft and Sunrise Credit Service is attempting to collect on a fraudulent XXXX XXXX XXXX XXXX account that I did not open, authorize, or benefit from. This account was already identified in my FTC Identity Theft Reports and supporting documentation months before Sunrise ever received or touched this account. I provided identity theft documentation beginning XXXX through XX/XX/year> and that information clearly shows this account is fraudulent. Despite that, Sunrise accepted placement of this account and is now attempting to collect on data that was already flagged as identity theft before it was ever assigned to them. This means Sunrise is knowingly using identity theft data and attempting to collect a debt that is not owed. I have already sent written notice to Sunrise advising them this account is fraudulent and demanding they cease and desist, yet they continue their collection activity and use of my personal information. This is a willful violation of federal law and Texas law because they are attempting to collect a debt they know is the result of identity theft and continuing to process and use my information after being placed on notice.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
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 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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$700.00} from an ATM. The cash was dispensed, but due to exhaustion, I left the money in the machine and drove away. This is NOT a fraud claim and NOT a deposit issue. This is an ATM cash withdrawal where the cash was dispensed but not received. Transaction history : * XX/XX/year> : withdrew {$800.00} and {$700.00} successfully * XX/XX/year> : withdrew {$800.00} successfully * XX/XX/year> : withdrew {$700.00} this is the transaction in question For the first three transactions, I received receipts. For the final {$700.00} transaction, I did NOT receive a receipt and did NOT receive the cash. I reported this issue and opened a claim. It has now been approximately 7 business days. Since then : * I have made multiple calls to customer service * I have spoken with three different supervisors * The issue has been repeatedly misclassified as fraud or a deposit * No one has confirmed whether the ATM has been reviewed * No progress or updates have been provided * An escalation request was denied without explanation * I have been repeatedly told to wait without any clear timeline or action

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I deposited my federal refund tax check into my account. It is now XX/XX/XXXX. My account has been restricted all month with no resolution, communication or updates. I went into multiple branches several times. XXXX has put in a review request with no luck from the back office department. My account was put into account closure after theyre so called review of the funds. I was accused of doing fraud and the check not being real. My check is very much real. Both my federal and state taxes was deposited into my checking account at TD BANK. Its been 2 weeks now and I dont have access to to my account. They are being very neglecting and its also a form of defamation. This situation is also creating alot of financial hardships for me. I am behind in bills, incurring late fees. I have a sick and XXXX child as well, I couldnt even afford the copay the other day for her medication and had to leave it at the pharmacy! This entire situation is too much for something that is legitimate! Its also well over the amount of days a bank can withhold people money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
Subject : Formal Complaint Improper Annual Fee and Failure to Close Account ( Avant Credit Card ) I am submitting a formal complaint regarding improper billing practices involving my Avant credit card account. Prior to the assessment of a {$75.00} annual fee, I contacted Avant and clearly requested that my credit card account be closed. Despite my request, the account was not closed and the company subsequently assessed a {$75.00} annual fee. Charging an annual fee after a consumer has requested that the account be closed is improper and constitutes a billing error. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), consumers have the right to dispute billing errors, including charges that were improperly assessed. In this case, the account should have been closed at the time of my request and the annual fee should never have been charged. I attempted to resolve this matter directly with Avant, but the issue has not been corrected. This situation raises concerns regarding unfair billing practices and failure to properly process a consumers request to close a credit card account. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the dispute. I am requesting the following resolution : Immediate removal of the {$75.00} annual fee Written confirmation that the account has been permanently closed Confirmation that no negative information related to this disputed charge will be reported to any credit reporting agencies Written confirmation that the balance on the account If the account has been reported to any credit reporting agencies with an inaccurate balance related to this improper fee, I request that the creditor correct or remove the inaccurate reporting in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I made the loaning company aware of an incorrect VIN number associated with my account. I gave the corrected VIN and details pertaining the situation. On XX/XX/XXXX I faxed the company a copy of the state registration indicating the correct VIN as well as the loan company associated to it. They still have not responded. This is holding the process of transferring the loan to a local bank with a lower interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 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: Credit Control, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

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 2026-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Ok..... none of the info I entered is actually correct. There were no options available that fit my situation. I had loans through Navient back in late XXXX 's, and saw that there was legal action requiring them to repay some applicants money. My account with Navient is long gone. I was unable on their website to get info regarding possible settlement payment, I had to set up new account in order to give them my current mailing address and phone number. Then a website suggested your website to check on the repayment. I really don't know what to do. I have a feeling that if anyone owes me money, there will be no way to get it because Navient has no current info on student loan applicants from years ago. I doubt that I am the only person with this problem. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX 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 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 2026-03-17 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: NC

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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