vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt referenced above. This letter serves as a formal notice that I dispute the validity of this debt in its entirety and am requesting full validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Under 1692g ( b ), you are required to cease all collection activities until you provide proper verification of the alleged debt. Please provide the following documentation : The amount of the alleged debt, including an itemized accounting of any interest, fees, or charges added.

The name and address of the original creditor.

Copies of any contracts, agreements, or other documents bearing my signature that demonstrate I am legally obligated to pay this debt.

Proof that you are licensed and authorized to collect this debt in my state.

Proof that the debt is within the applicable statute of limitations.

Be advised that this request is not a refusal to pay, but a request for verification as required by federal law. Any attempt to continue collection activities, including reporting or verifying this debt with any consumer reporting agency, prior to providing proper validation will constitute a violation of the FDCPA.

If you are unable to provide the requested validation, you must cease collection efforts immediately and remove any reference to this account from all consumer reporting agencies to which you may have reported it.

All future communication regarding this matter must be in writing only. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PatientFi, Inc.
State: AZ

Complaint narrative:
Company : PatientFi Product : Medical / cosmetic financing What happened I financed {$1100.00} through PatientFi for XXXX  XXXX XXXX provided by Ideal Image. After the first treatment, I experienced failed results and a significant adverse reaction, including XXXX XXXX and XXXX  lasting approximately three weeks. I am prescribed XXXX XXXX and was not advised to discontinue them prior to treatment, raising concerns regarding medical safety and informed consent. 
Due to these medical issues, I am unable to complete the remaining service. XXXX XXXX has refused a refund. XXXX XXXX is now claiming the treatment location is no longer affiliated with them, despite the procedure being performed while the clinic was operating under the XXXX XXXX brand.

PatientFi has failed to provide timely responses, has not confirmed that my account is marked in dispute, and has not confirmed that payments, interest, or credit reporting are paused. I am being left between a merchant denying responsibility and a financing company failing to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc.
State: LA

Complaint narrative:
This account is being reported under two different company names and addresses for the same alleged debt. I have made multiple good-faith attempts to resolve this matter, including sending settlement offers requesting deletion to both reported addresses.

The company has never responded in writing, never provided validation, and never contacted me, yet continues to update the account and marks the dispute as resolved, which is inaccurate. 

I continue to disagree with the reporting. The inconsistent company identity, lack of response, and ongoing updates indicate a failure to conduct a reasonable investigation and result in inaccurate information being reported on my credit file.

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 2026-02-09 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: FL

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 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.

Complaint narrative:
b"My wife XXXX XXXX  (Student Borrower)) has 3 loans with Nelnet. She XXXX XXXX XXXX XXXX. We decided in XXXX XXXX XXXX XXXXo pay off the loan with the smallest amount so we could purchase a new vehicle since my wife was XXXX  and we needed a larger car. Soon after we paid off the smallest loan, we received a payoff letter stating that the loan had been paid off and no further charges are owed to this loan. We then purchased the car by eliminating one of our monthly payments in that loan. In XXXX, I decided to look up all my finances because I was trying to figure out how much we're paying monthly for everything we owe and when I went on Nelnet I saw that they reopened the loan with an amount over XXXX. After doing a lot of research with Nelnet, it turns out that there was a disbursement that they had missed; they then put it on my account without notifying me in XXXX. On top of reopening the loan that I already had a payoff letter for, they also added 2 1/2 years of accumulated interest on that new payment amount, even though no one knew that loan existed, and they gave me no avenue to avoid paying that interest.\nI have spoken to them multiple times, following every procedure they have told me. Emailed and filed a complaint with the Department of Federal Student Aid, which simply referred me back to Nelnet, whom I then contacted again, who referred me back to federal student aid to do the same process that I had done already.\nI cannot return my vehicle or receive my old one back because Nelnet made an accounting error. They have no way to help me. Every day that I don't get a resolution with this issue, the interest keeps accumulating, and I'm starting to feel very trapped in this situation. Our accounts have never been delinquent. We always work hard and do the best we can to make sure we pay all our debts, but this is too much. \nI've been forced into this uncomfortable situation."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I received a flyer in the mail from Citizens Bank and then looked up the offer online and followed the online prompt to open an account. It advertised a {$400.00} bonus after depositing a {$1000.00} direct deposit. The fine print also mentioned that the account must be active on the payout date, and provided a table with approximate payout dates. After the payout date has passed, I contacted customer support asking about the bonus and was informed that the bonus is not being paid out because at some point the account was at {$0.00} balance and they counted that as inactivity in the month of XXXX. However, I've downloaded all my statements, and they show activity every single statement. Additionally, the flyer nor the online webpage of the offer mentioned in the fine print anything about a {$0.00} balance, and rather only mentioned that the account must be active on the payout date. The customer service representative instead insisted that the requirement is actually that the account must have an above XXXX $ balance throughout the period, which I did not see in any advertised terms. Given that I have a statement showing activity throughout the period and the direct deposit of above {$1000.00} was confirmed, I believe I have qualified for all the advertised terms, as I both received the required direct deposit in the period needed, and had activity in the account every statement period. Attached are the first three statement periods showing the required direct deposit as well as activity for the statement period where they have claimed the account was inactive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 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: PA

Complaint narrative:
on XX/XX/year> multiple transactions from a gambling site called XXXX were taken from my account, i have opened an account with them keep in mind i am XXXX gambling requires to be XXXX therefore its fraud

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 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
The Loan was not mine it was my mothers she is deceased

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I am filing a formal complaint regarding PayPal 's systemic failure to investigate disputes in good faith, specifically their use of an automated " Materially Similar '' classification to deny valid claims for defective digital goods. 
On XX/XX/year>, I purchased a digital game license key via PayPal ( Transaction ID : XXXX ). The key provided was invalid because it had already been redeemed. I obtained written evidence from the manufacturer ( XXXX XXXX ) confirming the specific key was redeemed on XX/XX/XXXX, XXXX days prior to my purchase. 
Despite providing PayPal with this third-party evidence, my dispute was denied. The stated reason was that the item received was " materially similar '' to the seller 's description. This reasoning is deceptive and unfair. A " used '' license key has zero utility and zero value ; it is not " similar '' to a new product. 
By categorizing broken digital goods as " materially similar, '' PayPal is using an automated loophole to avoid honoring the " Significantly Not as Described '' protection they advertise to consumers. I have exhausted all internal options ( Seller contact, PayPal Dispute, Appeal ) and was forced to file external complaints to recover a clear loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Formal Complaint Regarding Repeated Credit Card Solicitations After Opt-Out To Whom It May Concern, I am submitting this complaint regarding PNC Bank , N.A. for its continued transmission of credit card solicitation mailings to me despite my completed opt-out and repeated attempts to have such marketing cease. 

I am an existing PNC customer and currently maintain both a PNC checking account and a PNC credit card. I completed a XXXX XXXX through XXXX in accordance with applicable consumer protection requirements. 

Notwithstanding this opt-out, I have continued to receive credit card solicitation mailings from PNC on multiple occasions over an extended period of time, including after my opt-out took effect. 

I made multiple good-faith attempts to resolve this matter directly with PNC through telephone calls, in-app messaging, and written correspondence. PNC assigned Case Number : XXXX to this matter. However, PNC representatives advised me that : They would only communicate by phone and would not provide a written response ; and Despite my completed opt-out, they were unable to stop the continued credit card solicitations. 

PNC has therefore effectively acknowledged that it can not or will not enforce my opt-out request or provide written confirmation of compliance. 

The continued delivery of these solicitations, combined with PNCs refusal to resolve the issue in writing, raises serious concerns regarding its compliance controls, handling of consumer marketing preferences, and oversight of any third-party marketing vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: KS

Complaint narrative:
IQ Data XXXX called XX/XX/XXXX regarding monies owed to settle move out charges for XXXX XXXX in XXXX. Agent threatened to report to credit bureau if we did not pay by card over the phone immediately. A registered letter was sent XX/XX/XXXX to IQ Data XXXX requesting debt validation. No information was provided within XXXX days of receipt. Note IQ Data XXXX signed on delivery of our letter XX/XX/XXXX. 

XX/XX/XXXX IQ Data XXXX called again requesting payment at a discount and we had to pay immediately. When we told him about the letter he knew nothing. 

We are prepping a cease and desist letter and will send it XX/XX/XXXX to IQ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am the owner of XXXX XXXX XXXX XXXX. Square ( Block, Inc. ) has deactivated my merchant account and is withholding {$730.00} of my business capital without cause. 
This transaction is a verified XXXX payment for commercial janitorial services provided to XXXX XXXX XXXX. I have provided a signed XXXX XXXX XXXX XXXX and an official XXXX XXXX XXXX XXXX ( ID : XXXX ) to verify the legitimacy of this specific charge. 
Despite this irrefutable proof, Square 's support agents refuse to conduct a human review, stating the decision is 'final ' and implementing a predatory 90-day hold. There is zero chargeback or fraud risk for this corporate payment. I am demanding the immediate release of my {$730.00} balance. '' 3. Desired Resolution " I am requesting the immediate release of my {$730.00} balance to my linked bank account and a formal review of my business documentation by a human specialist. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am submitting this complaint to report identity theft and the unauthorized use of my personal and financial information involving Chase Bank and XXXX. 
My personal information was used without my knowledge or consent to open and/or access accounts and conduct transactions with Chase and XXXX. I did not authorize these accounts or transactions, nor did I receive any benefit from them. This activity constitutes identity theft and fraud. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to have inaccurate or fraudulent information investigated, blocked, and removed from my consumer reports. Any reporting of these fraudulent accounts or transactions is inaccurate and should not be attributed to me. 
Additionally, to the extent that electronic fund transfers or card transactions were involved, this activity falls under the Electronic Fund Transfer Act and Regulation E ( 15 U.S.C. 1693 ), which limits consumer liability for unauthorized transactions and requires financial institutions to investigate and correct errors promptly.

If credit was extended without my authorization, this also implicates the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), which protects consumers from liability for unauthorized credit transactions. 
I have notified the involved companies of the fraud, but I am experiencing difficulty obtaining a timely and adequate resolution. I am concerned about ongoing harm, including damage to my credit, financial loss, and continued misuse of my identity. 
I respectfully request that the CFPB assist in ensuring that the institutions involved comply with applicable federal consumer protection laws, properly investigate the fraudulent activity, correct any inaccurate records, and take appropriate steps to prevent further misuse of my personal information. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Equifax is reporting a child support tradeline in a manner that is materially misleading and not capable of being reported with maximum possible accuracy, in violation of the Fair Credit Reporting Act ( FCRA ). The tradeline is reported as closed, yet Equifax simultaneously reports ongoing monthly collection activity, a stated minimum monthly payment, and an updating past-due balance. 

Courts have held that information may violate the FCRA if it is technically accurate but misleading in a way that can adversely affect credit decisions ( see 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 ) ). A closed account can not accrue new monthly delinquencies or imply a current payment obligation. Reporting it as such misrepresents the status and amount of the obligation to creditors. 

As of the most recent update ( XX/XX/XXXX ), Equifax reports a balance of approximately {$7900.00} along with a recurring monthly payment obligation, despite the account being marked closed. No original balance, accounting ledger, certified arrears calculation, or court-referenced accounting has been provided to support the reported amount or the continued monthly reporting. 

I reviewed my credit report and disputed the accuracy of this reporting. Equifax continued to publish the same information without demonstrating a reasonable reinvestigation supported by underlying documentation, contrary to the requirements of 15 U.S.C. 1681i ( a ). Automated or summary verification is insufficient where the dispute challenges internal inconsistencies and legal accuracy ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ). 

I am not disputing the existence of a child support obligation. I am disputing Equifaxs reporting of this tradeline in a manner that materially misrepresents its status and amount, lacks verifiable support, and therefore fails the FCRAs accuracy and reinvestigation standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I mail a certified letter to the company for verification of the account. I have tried to reach out to the company not capable of speaking to anyone regarding this matter. It has been more than 30 days trying to resolve this issue. This company is no longer in business which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
This account relates to a wireless line that I never authorized, never used, and did not open. I contacted XXXX after noticing charges on my account for this line. XXXX acknowledged the issue, canceled the line, and issued credits so the balance should have remained at {$0.00}. 

After the credits were applied and the account was closed, this issue was previously disputed and removed from my credit report. Despite this, the same balance has now reappeared through a third-party collection agency, Credit Control LLC , attempting to collect and report a debt that was already disputed, credited, and should not exist. 

I requested confirmation of the charges, proof of authorization for the line, and documentation supporting the balance after cancellation. No documentation proving that I authorized this line or that the balance is valid has been provided. 

I am disputing both the collection activity and the credit reporting, as this is an attempt to collect and report a debt that is not mine and resulted from a billing error and unauthorized line. I am requesting that this account be corrected and removed from my credit report.

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