vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am submitting this complaint regarding Credit Acceptance Corporation, concerning a vehicle loan for which I voluntarily surrendered the vehicle. Despite properly surrendering the vehicle and fulfilling my obligations under the loan terms, the company has taken actions that I believe violate federal consumer protections. 

Violations of XXXX XXXX XXXX U.S.C. XXXX ( XXXX ) Fair Debt Collection Practices Act ( FDCPA ) Credit Acceptance Corporation, as a debt collector, may not take or threaten to take nonjudicial action to repossess property unless it can be done without a breach of the peace. The actions taken after my surrender, including improper communications and reporting, constitute a violation of this statute. 

15 U.S.C. 1666i Truth in Lending Act ( TILA ) TILA provides consumer protections regarding notification, accounting of amounts owed, and the application of payments following default and repossession. Credit Acceptance Corporation has failed to provide proper documentation showing accurate accounting of my account following surrender. 

UCC XXXX / XXXX Uniform Commercial Code, Secured Transactions After voluntary surrender of collateral, the creditor is required to conduct a commercially reasonable sale of the vehicle and apply the proceeds toward the outstanding debt. I have not received proper accounting or confirmation of this process, which violates my rights under state UCC statutes governing secured transactions. 

Harm Caused Credit Acceptance Corp has reported inaccurate amounts owed to credit bureaus after the surrender. 

I have received repeated and unauthorized collection communications post-surrender. 

These actions have caused emotional distress and potential harm to my credit profile.

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 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
In XX/XX/XXXX I changed homeowners because of cost. The new insurance company and I had a three-way conversation with the mortgage services insurance department. They were instructed to pay the new bill since I was paying old homeowners myself. Insurance company faxed them the new policy. I waited a month to see if my mortgage payment went up and it did... twice. I assumed everything was taken care of. I the get a letter in XX/XX/XXXX that the homeowners was not paid and i had until the XXXX to pay. I called insurance department and talked to a man there for over an hour and he kept looking into things and reassuring me that this would be taken care of. I received XXXX days ago which is now XX/XX/XXXX from the insurance company stating my policy was canceled and I owed over {$300.00} for the XXXX months I was covered. XXXX i gave no homeowners, the mortgage servicer didn't pay it and i owe money i shouldn't have been billed for in the first place

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 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
After consolidating my loans, I noticed a company by the name of Nelnet started sending me notices about a school I never attended, called XXXX. I contacted the school, and the school was neither open nor was it in a city where I resided. I reached out to Nelnet and the Department of Education to receive information about the loan. No information was given, only the loan amount. All of the information the loan XXXX had on file for me belonged to someone else, which included emails and contact information, so I believe this loan was processed under my name by mistake. I have filed a police report and requested my credit report to obtain more information about this loan ; however, no information or resolution has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital LLC, who has been contacting me regarding an alleged debt that I do not owe. I never authorized or incurred this debt, nor did I enter into any agreement with Jefferson Capital LLC or the original creditor.

Despite my lack of consent and proper authorization, Jefferson Capital LLC has continued to contact me through phone calls, letters, and electronic communications in an attempt to collect this debt. These communications are improper and unauthorized, constituting a violation of 15 U.S.C. 1692c, which prohibits debt collectors from communicating with a consumer at unusual times or places, or after being notified that the communication is disputed or unauthorized. 

Harm Caused Repeated, unauthorized collection attempts causing emotional distress and inconvenience Potential risk to my credit standing due to reporting of a debt that is not mine Violation of my federal consumer rights under the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
My name is XXXX, I am service connected 100 % XXXX veteran. My phone number is ( XXXX ) XXXX, email XXXX In XX/XX/year> the Consultant XXXX XXXX XXXX the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX came to my house and offered me to install Solar panels to my house. Finance Type and ID number XXXX XXXX XXXXXXXX The Consultant XXXX XXXX XXXX promised me that I will pay much less on my electricity bill. He told me that I am going to pay not more than XXXX $ per month and I paid that match for the first XXXX  month and then the payment increased to XXXX XXXX In XXXX  years I will be owning my solar panels system also he promised to maintain the solar panel to make sure they are producing enough of electricity.When I had issues with my electrical bill and my system didnt produced any electricity I tried to contact them but they never responded or I was told they are not existing any more., They sold my contract to the Goodleap and now I pay every month XXXX $ every month plus my XXXX electric bill from XXXX $ to XXXX $ depending on the season. So my loan solar and electric bill combined is much higher than supposed to be. I want to cancel this XXXX  payment and they could get their solar panel out of my house and I want to get my money back Thank you I really hope to get your help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I got divorced and in the order it says Im not financially liable for the Santander Truck account ( XXXX XXXX XXXX XXXX ). I have contacted Santander and they have said they cant take me off of the account. That XXXX has to refinance to take me off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX ( last XXXX digits only ) : XXXX Company : VyStar Credit Union Product : Credit Card / Checking Account Issue : Unauthorized withdrawal / Right of Setoff / Financial hardship / Lack of disclosure Complaint description : My name is XXXX XXXX XXXX XXXX ( XXXX last XXXX digits : XXXX ). 
VyStar Credit Union withdrew {$250.00} from my checking account on XX/XX/year>, using the Right of Setoff related to my VyStar credit card. 
After I contacted VyStar and explained that I am experiencing a documented financial hardship, VyStar refunded the {$250.00} on XX/XX/year>. 
However, on XX/XX/year>, VyStar withdrew the same {$250.00} again from my checking account without my consent and without any prior notification, despite my hardship request and the prior refund. 
When I contacted VyStar again, the manager refused to provide information or documentation regarding the internal review, the prior conversation, or the decision process related to this withdrawal. I was denied transparency regarding why the funds were taken again and whether additional withdrawals will occur. 
This second unexpected withdrawal caused further financial harm. My paycheck is deposited bi-weekly into this account, and these funds are required for basic living expenses such as rent, food, and utilities. 
I am requesting a formal hardship review, an immediate refund of the {$250.00}, and written clarification regarding whether VyStar intends to continue exercising Right of Setoff on future deposits.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am writing to file a complaint regarding the handling of a settled debt and the ongoing issue of tradeline removal from my credit report involving Midland Credit Management. 
In XX/XX/XXXX, I enrolled with XXXX to assist with paying off my debts and restoring my financial stability. One of my accounts, originally with XXXX XXXX XXXX XXXX had become past due and was subsequently sold to Midland Credit Management . 
I added this Midland debt to my XXXX account and authorized XXXX to communicate with Midland on my behalf. A settlement agreement was reached and fully satisfied as of XX/XX/XXXX. 
According to Midland Credit Managements website, the related tradeline should be removed from my credit report within 45 days of settlement. 
However, in XX/XX/XXXX, I noticed the tradeline remained on my credit report. I contacted Midland, who informed me that tradeline removal was the responsibility of the original creditor, XXXX XXXX. Upon reaching out to XXXX, I spoke with a supervisor who confirmedafter consulting with her managerthat Midland is responsible for removing the tradeline since the debt was settled with them. 
I made multiple attempts to resolve this with Midland but was repeatedly transferred between representatives and ultimately told that the department responsible for my issue was unavailable and that Midland does not provide customer service, only debt collection. 
After further attempts, a Midland representative informed me that they could not speak to me directly because I had authorized XXXX to communicate on my behalf. In XX/XX/XXXX, I contacted XXXX, who advised that Midland should be able to discuss the account with me as I am the primary account holder. XXXX agreed to send a letter to me revoking their authorization so I can provide it to Midland. They were also going to send a notice to Midland verifying the debt was satisfied and should no longer be reported. 
Upon receiving the documentation from XXXX, I attempted to obtain a fax number or email address from Midland to send the notice, but they refused to provide any contact information and again stated they were unable to discuss the account with me. 
This ongoing lack of cooperation and conflicting information from Midland Credit Management has prevented the proper resolution of my account and removal of the tradeline from my credit report, despite the debt being satisfied for over a year. I am requesting the CFPBs assistance in ensuring that the trade line is promptly removed and that the organization is held accountable for their lack of communication and customer service. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSON CAPITAL SYS T is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYS T 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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates ( PRA ), who has been contacting me regarding an alleged debt that I do not owe. I never authorized or incurred this debt, nor did I enter into any agreement with Portfolio Recovery Associates or the original creditor. 

Despite my lack of consent and proper authorization, Portfolio Recovery Associates has continued to contact me through phone calls, letters, and electronic communications in an attempt to collect this debt. These communications are improper and unauthorized, constituting a violation of 15 U.S.C. 1692c, which prohibits debt collectors from communicating with a consumer at unusual times or places, or after being notified that the communication is disputed or unauthorized. 

Harm Caused Repeated, unauthorized collection attempts causing emotional distress and inconvenience Potential risk to my credit standing due to reporting of a debt that is not mine Violation of my federal consumer rights under the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
" In my complaint, I'm describing that starting over a year ago, I noticed unauthorized ACH debits from a merchant called XXXX XXXX XXXXI ' on my bank account. These unauthorized charges occurred multiple times on various dates and for different amounts. For example, there were charges on XX/XX/2025, and XX/XX/2025, among others, for amounts like {$16.00}. 
I contacted Regions Bank multiple times to dispute these charges. While they credited two of the most recent unauthorized transactions through the messaging system, they refused to process the remaining unauthorized entries in the same written channel. They insisted that I call or visit a branch, even though Regulation E entitles me to handle disputes in writing. 
Most importantly, the bank has continued to allow this merchant to charge my account even after I reported the transactions as unauthorized. Despite my repeated attempts over the past year, the unauthorized charges have not been fully resolved, and the merchant is still able to debit my account. Additionally I have new debt cards issued with new card numbers at least twice during this time although Reggions continues to allow them to charge my account. They have even aloud such to be done while my llai have had my account locked. When I have repeatedly requested they stop allowing such, Regions then attempts to charge me a {$36.00} fee or refuse to do such. I am filing this complaint because the bank has not fully complied with my rights under Regulation E and has not taken adequate steps to prevent further unauthorized debits. '' Instead Reggions has knowingly aloud unauthorized charges to remove my money from my account for over a year now. Furthermore, Regions instead of protecting my funds has attempted to charge me a fee unordered to have them do what they are intended to do as a 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 monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Avid Acceptance, LLC
State: OH

Complaint narrative:
In XX/XX/year>, I notified Avid Acceptance that I had retained XXXX XXXX as an attorney for XXXX  XXXX bankruptcy. They have since continued collection efforts directly with me, as well as threat of repossession. I was informed they never reached out to my attorney.

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