vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Lima One Capital, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding improper mortgage servicing, a defective ARM payment adjustment, and the servicers failure to respond to repeated inquiries and a formal Qualified Written Request ( QWR ). On or about XX/XX/year>, Lima One Capital issued an Adjustable-Rate Mortgage ( ARM ) payment adjustment notice stating that my adjusted payment became effective XX/XX/year>. The notice was provided after the stated effective date, and no advance notice was given prior to enforcement. As a result, the adjustment was imposed retroactively. This retroactive implementation renders the adjustment procedurally defective and unenforceable until proper prospective notice is issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from Source Receivables Management stating that I owe {$340.00} on a XXXX XXXX account originally with XXXX Bank. The letter references a balance as of XX/XX/XXXX. I dispute this debt and request validation. I have not received sufficient documentation proving that this amount is accurate, that the debt is legally owed, or that the collector has authority to collect it. The notice does not include a full payment history, contract, or documentation showing how the balance was calculated. I am requesting full verification of the debt, including : A copy of the original signed agreement A complete payment history Documentation showing the chain of assignment Proof that the collector is authorized to collect in my state Until proper validation is provided, I dispute the debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding my federal Parent PLUS student loan, which was serviced by Navient from approximately XXXX until XXXX, when Aidvantage became my new loan servicer. During the period that Navient serviced my loan, particularly between XXXX and XXXX, I experienced what I believe to be improper steering into forbearance rather than being adequately informed about or enrolled in an Income-Driven Repayment ( IDR ) plan. On at least two separate occasions during that timeframe, I contacted Navient because I was experiencing financial difficulty and struggling to make my monthly payments. Instead of being counseled about IDR options that may have lowered my monthly payment based on my income, I was advised to enter into forbearance. I was not clearly informed of the long-term financial consequences of repeated forbearance, including interest capitalization and the resulting increase in my loan balance. As a result, my loan balance grew substantially due to accumulated interest. In XXXX, I was finally able to enroll in an Income-Driven Repayment plan. However, by that time, significant interest had already accrued due to the prior periods of forbearance. I believe that had I been properly informed and placed into an IDR plan earlier, I could have avoided much of this financial harm. In XXXX, my loan was transferred to Aidvantage as the new servicer. However, the conduct described above occurred while Navient was responsible for servicing my loan. Additionally, despite being a borrower whose loans were serviced by Navient during the time period covered by the multi-state settlement concerning improper servicing practices, I have not received any settlement payment or notification explaining my eligibility status. I am requesting clarification as to whether I was reviewed for eligibility and, if so, why I did not receive compensation. I respectfully request that the CFPB : 1 Review my loan servicing history during the period Navient serviced my account. 2 Determine whether I was improperly steered into forbearance instead of being offered an appropriate IDR plan. 3 Clarify my eligibility status regarding the Navient settlement. 4 Advise what corrective action or relief may be available. I am prepared to provide supporting documentation, account numbers, and any additional information necessary to assist with this investigation. Thank you for your attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc.
State: MI

Complaint narrative:
I was notified by 3 credit monitoring agencies that XXXX XXXX had reported a collection account ( XXXX from Kingston Data and Credit XX/XX/year> ) on my report. After viewing my report I noticed a company ( Kingston Data and Credit ) that I had previously asked for a proof of validation that I owned this account. I never heard from the company or was sent any information ( within 5 days after the initial contact ). They just placed this account on my credit report without any validation forwarded. I contacted XXXX XXXX and asked them how someone can place a collection account on my report without contacting me without any validation. I mentioned to XXXX XXXX they must have proof of debt and I must be given validation from them in order to put this on my credit report. I believe this company violated not only the Fair Debt Collection Practice Act ( 15 U.S. Code 1692g ) but also ( MI MCL 339.918 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Civil suit for equitable relief filed and requested to be removed from car titles. Served joint owner and have requested alternate service I have made reasonable attempts to resolve without court action or dispute resolution in good-faith which have failed. Filed disputes with lender, XXXX, XXXX XXXX, and XXXX. Ordering Defendant in legal proceedings to be solely responsible for financial abuse, ordering defendant to pay balance and other damages to plaintiff and lender. Submitted sworn statements to all three credit bureaus, and the lender. Disputes remain on my credit and I am requesting a full review and investigation of the account Condition of XXXX XXXX is unknown again I have never had possession.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: OK

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. These collections were a cause of fraud due to the identity theft that leaked my information on the dark web and opened multiple accounts under my name over the years. It wasnt until I made an XXXX account where I finally saw the damages, so I have been trying for months to get the items removed from my credit reporting with these particular companies that credit lines were supposedly opened and never paid in my name when I asked the companies to show document proof of any signings I might have done. The companies failed to deliver such evidence and just put the debt as automatic owed consumer disagrees, etc. Its been a very back-and-forth battle over the months, with disputing with both XXXX, XXXX, XXXX, and the different companies and getting nowhere especially going in under these hardships. There are XXXX companies in total I will list them below. I demand that the following be removed immediately : 1.XXXX XXXX XXXX Original creditor : XXXX XXXX {$1900.00} - NOT MINE DUE TO IDENTITY THEIF 2.PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX N.A. {$1.00} - NOT MINE DUE TO IDENTITY THEIF 3.XXXX XXXXXXXX {$800.00} XXXX NOT MINE DUE TO IDENTITY THEIF

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Experian Information Solutions Inc.
State: FL

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 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 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I originally took out a refinance for a Co-op apartment and a garage spot with XXXX which transferred the mortgage to XXXX XXXX which transferred the mortgage with New Rez. Loan Number XXXX. XXXX Certificates were taken at the closing. copies of same are annexed hereto. XXXX for the apartment and XXXX for the garage. I paid off my mortgage in full and wish to convey the apartment together with the garage spot. I need both stock certificates to convey the apartment and the garage spot together. New Rez returned the original stock Certificate for the apartment but deny the existence of the Certificate for the garage spot. This spot in XXXX has a lot of monetary value and it is difficult to sell an apartment without the garage spot.. I sent New Rez correspondence showing the XXXX Certificates and the a copy of the original document from XXXX. New Rez is difficult to deal with and is in denial. I need them either to produce the garage shares stock Certificate or pay to have the coop attorneys redraft this stock Certificate in order to convey the shares. To date they are making no such offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
If you want to avoid getting dragged into a civil lawsuit where you may have to pay for damages, for something you did not even intentionally do, I suggest you delete the illegal collection accounts from my credit report today. You see, THE BUREAUS, has furnished a collection account on my credit report without validating this debt with me beforehand. In fact, the following debt collectors never sent me a dunning letter ( which is mandatory to validate a debt ) within XXXX days of the accounts getting reported ( which is also the initial communication ). Therefore, the accounts listed below must all get deleted from my credit report under 15 USC 1692g. However, there is XXXX way you can leave the items on my credit report unscathed. And in order to do this, you must produce proof a dunning letter was sent to my address ( within XXXX days of the account getting furnished ). If you can not produce the requested information, then, by law, you must delete the collection items off my credit report by my next report update. The only reason I am aware of these accounts are because they were in my credit report. If I got a dunning letter beforehand I wouldve, without a doubt, disputed the debt and never let this criminal debt collectors get away with this disgusting act. This is the reason, I intend to litigate immediately if these items are not removed from my report. I can not stand it when people try to take advantage of others which is obviously what is being done to me. So, if you want to free yourself from the heinous acts of the debt collectors in this complaint, simply delete the accounts below and I will drop my claim :

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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied a Capital One Venture credit card on XX/XX/year>. The card has a promotion that spending {$4000.00} in first XXXX months and then get XXXX reward points. Based on the discussion with customer representative, the promotion end date is XX/XX/year> and my spending before the date is about XXXX XXXX I made a transaction about {$1100.00} online at XX/XX/year>, but it was posted on XX/XX/year> and it is not counted. I understand the capital decision was no due to transaction posting date, but I met the spending requirement based on transaction datesall my qualifying purchases were made before the XX/XX/year>, and the delay in posting is due to merchant processing, which is out of my control. Many other credit companies give clients credits in similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: AL

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information appearing on my Experian credit report. Charged Off Accounts : XXXX XXXX ( Account ending in XXXX ) Opened XX/XX/XXXX, balance {$0.00} XXXX XXXX ( Account ending in XXXX ) Opened XX/XX/XXXX, balance {$0.00} These accounts are being reported as charged off despite showing a XXXX balance. I dispute the accuracy and completeness of this reporting. If these accounts were charged off, they should not be reporting in a way that suggests an active derogatory balance. I am requesting Experian verify the accuracy of the status and reporting or remove these accounts if they can not be properly verified. Inquiry : XXXX XXXX XX/XX/XXXX I do not recall authorizing this inquiry. Please provide documentation showing I gave permissible purpose for this inquiry or remove it from my credit report. Late Payment : XXXX XXXX XXXX XXXX XXXXXXXX ( Account ending in XXXX ) This account is reporting a late payment inaccurately. I dispute the late payment status and request verification of the payment history. If it can not be verified with proper documentation, it should be removed or corrected. Experian is required under the Fair Credit Reporting Act to ensure maximum possible accuracy. I am requesting reinvestigation of all the items listed above.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against CAVALRY PORTFOLIO for failure to properly investigate my dispute, making false statements regarding my account, and engaging in harassing conduct. Despite multiple attempts to resolve this matter directly, the company has failed to correct its errors and continues to cause me harm. 1. Failure to Investigate Under the Fair Credit Reporting Act ( FCRA ) and/or applicable consumer protection laws, the company is required to conduct a reasonable investigation upon receiving a dispute. The company failed to conduct a proper investigation and instead responded with a generic or automated reply, without addressing the specific evidence I provided. The company did not : Review the documentation I submitted Provide evidence supporting its claims Correct inaccurate information Explain the basis for its determination This constitutes a failure to conduct a reasonable investigation. 2. False and Misleading Statements The company has reported and/or communicated false information about my account, including : Inaccurate balance, payment history, account status Describe any written or verbal misrepresentations These statements are inaccurate and have caused damage to my credit, reputation, and financial standing. 3. Harassment Since disputing this matter, I have experienced harassing conduct including : Repeated phone calls at unreasonable times Threatening or misleading language Contact after being asked to cease Contacting third parties ( if applicable ) This behavior may violate the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. Harm Suffered As a result of the companys actions, I have experienced : Damage to my credit score Emotional distress Time lost addressing this issue Denial of credit and/or increased interest rates ( if applicable ) Financial hardship Requested Resolution I am requesting the following : Immediate correction and/or deletion of inaccurate information. Written confirmation of the results of a proper investigation. Cessation of all harassing communications. Financial compensation in the amount of {$20000.00} for damages suffered due to the companys failure to investigate, false reporting, and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am trying to sell investments inside my HSA account at HSA Bank with the investment portion being handled by XXXX XXXX. I have spent over 4 hours on the phone with them trying to get the investments sold so that I can use those funds for medical expenses. Pretty ridiculous in todays day and age that their investment management system can't even a process simple " sell all '' trade. Whenever I call in I get people who have such heavy accents that I can not understand them. I need this money for medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Someone got into my account and sent someone all my money and in 2 days of their investigation they denied my dispute even though I have never sent money to that number ever in my whole time banking with them and I reported it to the fraud department and showed them and I just feel like they aren't doing a good job of securing people 's accounts and any one with my email can get in, I didn't get a notification or nothing until after the funds were transferred and I lost every last dime

Company response to consumer: Closed with explanation