vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have repeatedly disputed this account with XXXX XXXX XXXX and requested documentation verifying the debt being reported to the credit bureaus. Specifically, I requested proof that XXXX XXXX XXXX has legal ownership of my specific account, the chain of assignment from the original creditor, the original credit agreement, and a complete account history showing how the balance being reported was calculated. The company states that the account was validated using business records from the original creditor. However, the documents provided consist only of a partial billing statement and a generic notice that accounts were sold. No bill of sale identifying my specific account, chain of assignment, full account statements, or original credit agreement has been provided. Despite my direct disputes and requests for verification, the company continues reporting the account to credit bureaus without providing documentation sufficient to verify the accuracy or ownership of the debt. Because the information being reported can not be verified with adequate documentation, I request that the account be removed from my credit report or that the company provide complete documentation supporting the accuracy and ownership of the account.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I attempted to open a joint checking account online and was denied. The company sent a letter with " unable to verify information '' as the sole reason for denial. Upon calling to inquire as what could not be verified the company refused to explain and claimed they will not give this information. They told me to contact a XXXX party company who " may or may not have had an impact on the decision '' which I inquired about as the company also stated " our decision was made in whole or in part with information obtained from the XXXX XXXX XXXX ''. This statement is negated by the statement that the company is solely responsible for their decisions and do not rely on information from anyone else when making a decision.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: TX

Complaint narrative:
RE : Account Number : XXXX Dear Capital Management Services LP, I am writing in response to your recent communication regarding the above-referenced alleged debt. Please be advised that your initial communication with me regarding this matter occurred within the past XXXX days. I am formally disputing the validity of the alleged debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you provide the following : XXXX. The name and address of the original creditor ; and XXXX. A copy of the agreement bearing my original signature, which allegedly binds me to this debt. You are attempting to collect money that I do not owe, and any continued collection activities without proper validation are unlawful. You are hereby directed to cease and desist from : All collection efforts ; Any form of contact with me regarding this matter ; and Any and all credit reporting related to this alleged debt. I further demand that you immediately request the deletion of any and all credit reporting you may have made to the credit reporting agencies in relation to this alleged account. Please be advised that this letter may be shared with the Consumer Financial Protection Bureau ( CFPB ), which is fully authorized to investigate and address such matters. Should you fail to comply with the lawful requests in this letter, I may choose to seek legal counsel and take further action. Thank you for your immediate attention to this matter.

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 2026-03-06 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: MO

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 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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance engaged in deceptive and abusive acts of practices. Which cost me my job at the XXXX XXXX and hardships.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
LVNV Funding is reporting a collection account on my credit report that has not been validated. I have not received proof that they legally own this debt or that I am responsible for it. I am requesting immediate investigation and deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
NATIONAL RECOVERY XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL RECOVERY XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: TX

Complaint narrative:
I took out a loan for school in spring 2020 with Sallie Mae AccountNumber:XXXX XXXX XXXX hit and school closed. I was only able to complete XXXX online class in spring. Sallie mae distributed a disaster forbearance. Now they say because I fell below half time in 2020 that I triggered a 48 month timer of some sort. I asked for proof. The loan note says if I am in school ( which I am ) I am supposed to be deferred. There was no notice of a 48 month timer either during covid or during the original loan signing. They have started sending me to collections and default even though I am enrolled in school and the note says I am supposed to be deferred. During covid spring 2020 millions of students had school canceled. We shouldnt be punished for the delay to our education. Thank you for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 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: Duvera Billing Services, LLC
State: CA

Complaint narrative:
In XX/XX/2025 I finance a car repair through EasyPay Finance for approximately XXXX. I was told there was a 90-day payoff option but i did not understand that if it was not paid within the time the interest rate would become extremely high. The agreement now shows and A { R 178.98 %. I have already paid over XXXX in payments of {$400.00} per month since XX/XX/2025. I was shocked to learn that i still owe an additional XXXX more months, bringing to total cost of a {$2800.00} repair to over {$960000.00}. I am XXXX XXXX XXXX and now on a fixed income and can not afford these payments while also trying to relocate due to my housing situation. I requested an early payoff reduction or hardship settlement but was told non was available. i am requesting assistance reviewing this loan and asking company to reduce payoff amount so i can close account. The repair shop recommended EasyPay Finance and handled the financing application for me at their shop. The paperwork was processed very quickly and I was approved within minutes. I was not clearly informed that the interest rate would be 178.98 % APR or that the total repayment would be more than triple the amount financed if the balance was not paid within 90 days. Had I understood the full cost, I would not have agreed to this financing. I need help getting out from this predatory loan, again I am XXXX XXXX XXXX and I'm on a fixed income. thx

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Kohn Law Firm is asking a court to order my wages be garnished, which is a pervasive and overly aggressive action. Kohn Law Firm is representing debt collection agency, XXXX XXXX XXXX. However, neither party has stated what company I owe the debt to, which is inhibiting my ability to verify the amount owed, and setup payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Regarding Capital One Dispute Handling Complainant : XXXX XXXX Account : Capital One Credit Card Disputed Amount : {$2700.00} Transaction Date : XX/XX/XXXX Merchant : XXXX XXXX XXXX I am filing this complaint regarding Capital Ones handling of my billing dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). DISPUTE FACTS On XX/XX/XXXX, I purchased prepaid services totaling {$2700.00} ( {$2500.00} plus a 3.5 % credit card surcharge ). Approximately 15 hours later, on XX/XX/XXXX, I cancelled all future services. My cancellation was confirmed in writing via email. At the time of purchase, I was not provided with any written refund or cancellation policy. No such policy appeared on my receipt, in the merchants app, or at the point of sale. After cancellation, the merchant confirmed that a refund check would be issued. A check was issued ; however, the merchant later placed a stop payment on that check. I obtained official documentation from XXXX XXXX XXXXXXXX confirming the stop payment. The services were never rendered. DISPUTE TIMELINE WITH CAPITAL ONE XX/XX/XXXX Capital One denied the dispute, stating the merchant provided confirmation showing no cancellation per policy. XX/XX/XXXX I contacted Capital One and was instructed to provide additional documentation. XX/XX/XXXX ( XXXX ) I submitted the following documentation : Cancellation confirmation email dated XX/XX/XXXX Text communications confirming cancellation Receipts showing no refund policy disclosure Copy of the issued refund check XXXX XXXX XXXX documentation confirming stop payment on that check Written narrative explanation XX/XX/XXXX XXXX XXXX Capital One denied the dispute again citing insufficient documentation. XX/XX/XXXX XXXX XXXX I resubmitted all documentation along with written clarification. XX/XX/XXXX XXXX XXXX Capital One issued a third denial within approximately 12 hours and advised that I resolve the matter directly with the merchant. CONCERN REGARDING REASONABLE INVESTIGATION Under 15 U.S.C. 1666 of the Fair Credit Billing Act, a creditor must conduct a reasonable investigation of a billing dispute before denying a claim. The rapid denial timelines approximately three hours after documentation submission and approximately twelve hours after resubmission raise concern that a meaningful review of the submitted evidence may not have occurred. The denial letters do not specify : What documentation was reviewed Why cancellation confirmation was insufficient Why stop-payment documentation was insufficient What specific information was missing This dispute concerns services not delivered as agreed and failure to disclose material terms at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have repeatedly disputed this account with Portfolio Recovery Associates and requested documentation verifying the debt being reported to the credit bureaus. Specifically, I requested proof that Portfolio Recovery Associates has legal ownership of my specific account, the chain of assignment from the original creditor, the original credit agreement, and a complete account history showing how the balance being reported was calculated. The company states that the account was validated using business records from the original creditor. However, the documents provided consist only of a partial billing statement and a generic notice that accounts were sold. No bill of sale identifying my specific account, chain of assignment, full account statements, or original credit agreement has been provided. Despite my direct disputes and requests for verification, the company continues reporting the account to credit bureaus without providing documentation sufficient to verify the accuracy or ownership of the debt. Because the information being reported can not be verified with adequate documentation, I request that the account be removed from my credit report or that the company provide complete documentation supporting the accuracy and ownership of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2026-03-06 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: IL

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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MS

Complaint narrative:
my phone was lost and someone went in both of my banks and transferred money to send to each other

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OZK
State: TX

Complaint narrative:
On XX/XX/year>, I opened an account with Bank OZK. The same day, I deposited a Check from the XXXX XXXX XXXX XXXX 's office. I was told that a hold would be placed on the check and made payable on XX/XX/year>. The very next day I deposited XXXX in the account by ATM. In which they put a hold on it too .. " XXXX XXXX, '' after days of calling no one could tell me why the check and my cash were being held. After calling every day for a week, they finally released my cash... No one at the back could tell me why my funds were being held... Even the Bank Manager was surprised that this was happening. Today, XX/XX/year>, I received another letter stating that they needed to extend the time period to XX/XX/year>. This will be a month of holding our funds, yet they can not tell me what the cause of the hold is. The check is easily verifiable. It has all the names and addresses on it, and it comes from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Subject : Complaint Regarding Lease Payment Deferral Fees XXXX XXXX XXXX I am submitting this complaint regarding my auto lease with XXXX XXXX XXXX for a XXXX XXXX XXXX. Recently, my vehicle had to remain at the dealership for several days while it was being diagnosed and repaired. During this time, I initially received a sedan as a temporary replacement vehicle, which was not suitable for my work needs. I rely on my truck to perform my job, and the sedan provided did not allow me to continue working normally. As a result, I lost several days of income. Because of this unexpected loss of income caused by the vehicle being unavailable, I fell behind on my lease payments. I contacted XXXX XXXX XXXX to request hardship assistance and a payment deferral. Although they offered to move two payments to the end of the lease, they are requiring approximately {$700.00} in fees in order to do so. This amount is nearly equivalent to an additional monthly payment, which does not provide meaningful financial relief. I believe this situation is unfair because the financial hardship resulted from the vehicle being out of service and the lack of a suitable replacement vehicle during the repair period. I respectfully request that XXXX XXXX XXXX review my case and provide reasonable hardship assistance by waiving the deferral fees and any late fees, and by moving the missed payments to the end of the lease without additional charges. I am acting in good faith and simply requesting a fair resolution considering the circumstances that led to this temporary financial difficulty. Sincerely,

Company response to consumer: Closed with explanation