vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 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: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/XXXX, I reviewed my XXXX credit report and discovered a collection account I have never seen before, have no knowledge of, and have absolutely no financial obligation toward. This was the first time I had ever seen this account or heard from this company. I never received any notice, demand letter, phone call, or court filing regarding this alleged debt before or after it appeared on my credit report. Account Details : Creditor : Kimball Tirey & St. John XXXX XXXX XXXX XXXX XXXX. Account Reference : XXXX Reported Date Opened : XX/XX/XXXX Original Balance : {$2800.00} Current Reported Balance : {$21000.00} The Facts : In XXXX, I resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX. I vacated voluntarily during a month in which rent was paid in full due to a XXXX XXXXXXXX that made navigating stairs unsafe. I was never served a 3-day notice, eviction notice, unlawful detainer, or any demand for payment. I turned in my keys and received my {$2000.00} security deposit back within 15 days. Under California Civil Code 1950.5, landlords must deduct any amounts owed before returning a deposit the return of my full deposit confirms nothing was owed when I left. Violations I Am Reporting : 1. Illegal Re-Aging of Debt : This alleged debt originated in XXXX, yet it is being reported with an open date of XX/XX/XXXX. This is a practice known as 're-aging, ' which is illegal under the FCRA. It is designed to fraudulently reset the XXXX credit reporting clock and make a years-old debt appear current. 2. Collection of a Time-Barred Debt : California 's statute of limitations on written contracts is XXXX years XXXX XXXX XXXX XXXX. This debt is over XXXX XXXX XXXX and is entirely unenforceable. Attempting to collect it without disclosing that it is time-barred violates the FDCPA, 15 U.S.C. 1692e. 3. Fraudulent Balance Inflation : The alleged balance has been reported as {$21000.00} up from an original {$2800.00} with no contract, notice, or explanation. This is a misrepresentation of the amount of the debt under the FDCPA. 4. No Prior Notice : I never received any communication about this debt prior to finding it on my credit report. I was never given an opportunity to dispute or validate it before it damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a reservation at XXXXXXXX XXXX XXXX XXXXXXXX, I provided my navy federal debit card for a XXXX night deposit. I never received a confirmation email regarding the reservations. The funds was debited from my account on XX/XX/XXXX. I followed up on XX/XX/XXXX but the XXXX XXXX was unable to locate the reservation, confirmation and receipt for the one time deposit. I sent them the debit card statement that reflected the transactions. I was advised via email from XXXX XXXX to dispute the charges. I should submitted all relevant email and documentation but it was still denied. Navy Federal is requesting a receipt and I am unable to provide because the reservation was not confirmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX I received a call from ( # XXXX ) the sheriff 's office wanting to know if I was at my home because I need to sign for a letter that the process server was going to deliver because there is a lien on my property. She even gave me a case # XXXX. She gave me the name of the attorneys office, XXXX XXXX XXXX XXXXXXXX, and spoke with attorney XXXX, who said that I had a credit card debt from Bank of America that I opened in XXXX and made payments for XXXX years then they said I stopped making those payments in XXXX ( a XXXX XXXX XXXX debt ) and now interest has occurred to the amount of {$7400.00} but they will settle for {$3700.00} now and stop the processor from coming out to my home to serve me papers. They also threaten to have my wages garnished, withold any IRS refunds and put a hold on my bank accounts. Along with additional fees of legal cost, cort cost and debt with added interest. They had my address, last 4 of my SS # and my DOB. Then after a period of time, I said I wanted to see what was in that lien letter and I'd make my decision about how to handle this situation. I began to become concerned that they may try to enter my home when I'm not here or they wanted me to verify enough information to try to steal my money from my banks. It sounded so real, especially involving the Sheriff 's office. I called the non-emergency police line and was told it was a scam but no report was made because I didn't fall victim to giving out any money. Then I contacted the XXXX credit bureaus and following up with all the other entities that held any of 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 explanation
Consumer complaint received 2026-03-10 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX Navient / CFPB Settlement Administrator Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Navient Settlement Compensation Eligible Borrower Inquiry Account/Loan Number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing regarding the recent settlement arising from the Consumer Financial Protection Bureaus enforcement action against Navient that resulted in restitution payments to harmed borrowers. I believe I should be eligible for restitution based on my student loan accounts serviced by Navient during the relevant time frame, yet I have not received a payment, notification, or explanation regarding my eligibility. My loan details are : Information As of XX/XX/XXXXXXXX XXXX Dates serviced by Navient : XX/XX/XXXX to XX/XX/XXXXXXXX XXXX Last known address with Navient : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repayment Start Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account No. Original Principal Outstanding Principal Interest Rate Disbursement Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7000.00} {$7600.00} 3.860 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3600.00} {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4600.00} {$5000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Please review my records and advise whether I qualify for compensation under the settlement. If additional documentation is required to confirm my eligibility, please notify me promptly so I can provide it. Thank you for your assistance. I look forward to your timely response. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MANA - XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, at approximately XXXX AM, I visited the Navy Federal Credit Union branch located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to apply for a pledge loan ( certificate-secured loan ) using my existing Certificate of Deposit as collateral. I spoke with a representative at the front who took my information and told me I would be contacted. Over the next several hours, multiple loan officers attempted to process my application. I remained in the branch for approximately XXXX hours. The loan amount requested was {$320.00}. The collateral pledged was my Certificate of Deposit with a balance of {$17000.00}. My credit score at the time of application was between XXXX and XXXX, which is categorized as excellent. Despite the loan being fully secured by my own funds on deposit, XXXX risk to the credit union, and my excellent credit history, my application was denied. I later received XXXX identical, generic denial notices via email ( attached ), both stating only that I did not meet " lending criteria '' based on an internal review and/or credit report. -- - Legal Violations : 1. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ( d ) Requires creditors to provide applicants with the specific principal reasons for adverse action ( denial ) in writing. The generic notice provided failed to list any specific reasons, making it legally non-compliant. 2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681m If a denial is based in whole or in part on a credit report, the creditor must provide the name, address, and phone number of the credit reporting agency, and notify the applicant of their right to a free report. The notice only mentions " credit report '' vaguely and does not specify which agency or provide the required disclosures. 3. Consumer Financial Protection Act ( CFPA )/ UDAAP 12 U.S.C. 5531 Prohibits unfair, deceptive, or abusive acts and practices. Denying a risk-free, fully secured loan to a member with excellent credit is unfair and the generic notice is deceptive for failing to explain how a secured loan with available collateral could possibly fail lending criteria. -- - Attachments : XXXX denial emails received XX/XX/year> ( screenshots attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: OH

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 2026-03-10 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: NE

Complaint narrative:
I have a checking account with Wells Fargo. I paid off a mortgage last year and I asked them if I would start getting charged for my checking account and they said no. Several months passed and in XXXXXXXX XXXX XXXXXXXX they charged me {$10.00} and then charged me {$15.00} in both XXXXXXXX XXXX XXXXXXXX. I called a them and explained that when I paid off my mortgage they told me I would not be charged any fees and I checked and nothing was mailed to me and no notices were sent to my online account. At first they stated that something was mailed to me, then later, when I asked for the issue to be escalated, they said that it was not mailed to me, but there was a small notice places on one of my statements XXXX XXXX. At first he told me it was in big bold letters but when I searched though all my old statements, I found one notice in standard text. Very easy to miss and to be honest, I was not looking for anything because they told me that I would not be charged any fees. Also, it doesn't actually state that they are going to start charging me, it states that what to do to avoid being charged fees in the future. They refused to repay the {$40.00} they took.

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 2026-03-10 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: NY

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: OK

Complaint narrative:
On XX/XX/XXXX at around XXXX my daughter and I were eating at a restaurant when I attempted to pay for the meal my card was declined. I called Discover Bank customer service to identify the issue. The representative on the phone claimed that it was an error with the card and to try it again and it should work. However trying it again did not work. After that around XXXX I tried my card at XXXX for an outfit for my interview coming up and it was also declined. I called customer service again and was told to just wait a few hours and try again. I informed the account manager it had been several hours between the restaurant and here and still not working the account manager then hung up on me. I called immediately back and asked for a supervisor as this was not the first time I was hung up on by their customer service. The account manager then connected me to a supervisor named XXXX and then the agent disconnected the line and the supervisor never spoke as I tried to get a response. I called a third time got another account manager, asked for a supervisor again finally got one on the phone. That supervisor after several minutes informed me it was a system decline and he couldnt do anything about it and to not use my card for 24 to 48 hours. However, I need access to my money in order to eat and live life as my wife is away for work so I can not access her debit card. When I told the supervisor what I should do he gave me options to access my money that would take multiple business days to work. I filled a complaint with the supervisor among if someone would reach out to me he said no they dont reach out for these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: NY

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 explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am writing to request assistance and to file a complaint regarding the handling of my mortgage during a period of severe financial hardship. On XX/XX/year>, my daughter was diagnosed with XXXX XXXX XXXX. This diagnosis has been life-changing for our family and requires constant care and medical attention. While trying to manage this new medical reality, I also experienced job loss on XX/XX/year>. Due to this hardship, I contacted my mortgage servicer and informed them of my situation. I have been doing everything possible to work with the company and seek assistance while I stabilize my finances and care for my child. However, I feel that my mortgage servicer has not adequately protected or assisted me despite being aware of my circumstances. I am extremely concerned about how my account has been handled, including how my payments and forbearance have been reported. This situation has created significant stress for my family during an already very difficult time. I am requesting that the Consumer Financial Protection Bureau review my case and ensure that my mortgage servicer is following all applicable consumer protection laws and mortgage servicing regulations. I am hoping for assistance in ensuring my account is handled fairly and that any inaccurate reporting or servicing issues are corrected. Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
I would like to dispute this debt that was paid by medical insurance through XXXX. Didnt receive notice to accept payment plan or any information

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: IL

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 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 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XXXX XXXX, I contacted Columbia Genesis Debt agency to inquire about an account of mine that was placed in collections. I spoke to a representative stating that I wanted to debt validation in writing and then I asked to settle for a lesser amount in which in turn I was given an offer amount, I then asked to receive the settlement agreement before paying anything in writing as well. I was told that they dont do that and they were aggressively trying to get me to pay or my settlement agreement would be void. I told them that I need everything in writing again and was told by the manager that they dont do that and it was my last chance to accept offer. I notified them of my right to receive the information in writing and was told not to tell them how to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
I did not receive any notice that my account was inactive or would be closed before it was closed on XX/XX/year>. The {$200.00} balance in the account came from a completed bank transfer from XXXX XXXX XXXX XXXX. Please provide documentation showing where the {$200.00} balance is currently being held or confirmation that it has been transferred to Tennessee unclaimed property, including the transfer date.

Company response to consumer: Closed with explanation