vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, by failing to conduct a reasonable reinvestigation of my dispute and by continuing to report unverifiable and inaccurate information on my credit report. In XX/XX/year>, I submitted a written dispute to XXXX via mail, clearly identifying a collection account reported under XXXX as inaccurate and not belonging to me. I have never had any account or service with XXXX, and this debt is not mine. I requested that XXXX investigate the item, provide verification/documentation proving the debt is mine ( such as the original signed contract or other evidence linking it to me ), and delete the entry if it could not be verified. XXXX responded by stating the information was verified as accurate but provided no documentation, evidence, or method of verification to support this conclusion. They did not produce any proof that the debt is mine, despite my explicit request and their obligation under FCRA to reasonably reinvestigate and delete information that is inaccurate, incomplete, or can not be verified ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ). The FCRA requires credit reporting agencies to delete disputed information that furnishers can not verify or that remains unverifiable after investigation. This same collection account does not appear on my credit reports from XXXX or XXXX, further indicating it is inaccurate or unverifiable. XXXX XXXX continued reporting of this unverified item is harming my creditworthiness and is in violation of their duty to maintain maximum possible accuracy ( XXXX U.S.C. XXXX ( b ) ) and to delete unverifiable disputed information. I request that the CFPB forward this complaint to Experian and require them to : Immediately delete the disputed XXXX collection account from my credit report, as it remains unverifiable and unproven to be mine. Provide me with the complete results of their reinvestigation, including any documentation or verification method used ( which they previously failed to supply ). Confirm in writing that the item has been permanently removed and will not be reinserted without proper notice and certification as required by FCRA XXXX ( a ) ( XXXX ) ( B ).

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: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am responding to your contact regarding the collection of the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act, I am requesting validation of this alleged debt. Please provide the following : XXXX. The name and address of the original creditor. XXXX. The total amount of the alleged debt, including an itemization of any interest, fees, or additional charges. XXXX. Copies of any documents bearing my signature that show I agreed to this debt. XXXX. Documentation showing that your company is legally authorized to collect this debt. XXXX. Proof that the debt is within the applicable statute of limitations. Until you provide the requested validation, please cease all collection activities and communication regarding this matter. If you can not provide the requested verification, please notify the credit reporting agencies to remove any negative information related to this account. I request that all future communication regarding this matter be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Letter sent to collection agency : ATTENTIVELY REVIEW my formal written composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: FL

Complaint narrative:
My mortgage company US Bank is claiming that they have made an escrow payment to the XXXX XXXX XXXX office on our behalf after I made a payment that was confirmed received by the XXXX XXXX XXXX office and the office is saying US Bank never made a payment. As a result US Bank has inflated my mortgage payment stating that they want us to pay them pack this amount and are demanding it by including it in the mortgage payment. We have tried for over 4 months to rectify this situation and have even requested proof of this payment they claim to have made and have not been provided with this information. They are also stating they made a payment this year as well and are requesting that amount back also. The total amount in question is upwards to XXXX XXXX. I can retrieve any documents that you feel are needed to assist in this manner just please advise what you will need.

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 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
A company called Rent Recovery Solutions LLC reach out to me back in XXXX, we have agreed to pay off the collection owed & they will removed the collection off my credit report. I completely everything in my end within XXXX months of them calling me. XXXX to XXXX I still have them showing up on my credit report on XXXX XXXX XXXX. I called multiple times trying to get a letter of removal & they will not send me one. We spoke over a recorded line & they agreed to get it removed.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I would like to report fraud regarding a vehicle I recently financed ( through Capital One ) in early XX/XX/year>. Supporting documents are attached. Dealer : XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, VA XXXXXXXX XXXX The vehicle 's ticket price was $ XXXX, but the amount financed was over XXXX XXXXXXXX ( a difference of more than XXXX XXXXXXXX ). My sales rep there was XXXX, and the finance manager was XXXX. I've tried calling, texting, and emailing XXXX XXXX several times over the past few weeks and heard nothing. So, I visited them in-person on Saturday, XX/XX/XXXXXXXX XXXX spoke with an employee named XXXX. I explained the situation to him and requested a breakdown of the additional expenses and copies of all the paperwork I signed with them ( I can't access these documents online ; their document links have expired ). He told me I would have to call in & book an appointment to speak with them. I told him I had tried calling several times with no answer, so he promised I would receive a call by XXXXXXXX XXXX Monday, XX/XX/XXXX. It is now Thursday, XXXX and I still haven't heard anything. So this is all the evidence I can gather at the moment since they are not cooperating. Another XXXX- The XXXX XXXX XXXX has expired, but I have included screenshots below. I called Capital One today and they said everything looks legit on their side and they couldn't do anything. So I asked them to send me copies of all their paperwork on file. Everything I have is attached. Please let me know if you need anything else to get this started.

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: DISCOVER BANK
State: MD

Complaint narrative:
I am extremely disappointed with the customer service from Discover Credit Card. I have been a customer, but after my recent experience I will never use Discover again. I reported a transaction involving a merchant, XXXX, that never gave me my money back. I bought items from XXXX on XX/XX/year>, but the matter was still not handled fairly. Instead of protecting their customer, Discover chose to side with the merchant and closed the dispute without resolving the issue properly. It feels like Discover is more interested in protecting merchants than helping their own cardholders. When customers use a credit card, they expect some level of protection from scams or unfair business practices. In my case, that protection was not provided. The dispute process was frustrating, slow, and ultimately useless. Because of this experience, I will no longer use Discover and I will warn others about their poor customer service and lack of support when customers face problems with merchants. I expected much better from a major financial company, but Discover failed to stand behind its customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS

Complaint narrative:
I requested Fifth Third Bank provide my auto loan payoff amount on XX/XX/year>. I received an email with the payoff quote but the document was missing the second page which had instructions for submission of payoff to include payoff return the I called and requested the information that I needed. The Fifth Third Bank resent the same email which left the information needed. I called and they provided an address over the phone however The credit union I was planning on refinancing through needed the information in print. Fifth third provided and address to me over the phone/email numerous times. He still have not provided the instructions and the payoff amount to include the correct return address in the same document. Essentially Fifth Third keeps sending me an incomplete payoff letter and has not responded with the information needed in order for me to refinance at another institution. It has been XXXX days today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Formal Complaint Regarding Excessive Fees and Unfair Charges on My Credit Card Account To Whom It May Concern, XX/XX/year> I am writing to formally dispute and report concerns regarding excessive fees and overcharges applied to my credit card account. After reviewing my account statements, I noticed multiple charges and fees that appear unreasonable, excessive, and potentially unethical. These charges have caused my account balance to increase significantly beyond what I reasonably expected. I am concerned that these practices may violate consumer protection standards and fair billing practices. I am requesting the following actions immediately : A full review of my account and billing history. A detailed explanation of all fees and charges applied to my account. Removal or adjustment of any fees that were unfairly or incorrectly applied. If this matter is not resolved promptly, I will be submitting formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office for further investigation into these billing practices. I hope we can resolve this matter quickly and fairly. Please respond to this complaint in writing within 15 days. Sincerely, [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] : account number ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Complaint Regarding Mortgage Servicer and Loan Modification / Foreclosure Issue Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding my mortgage servicer and the handling of my loan modification while my mortgage is currently in foreclosure. I fell behind on my mortgage payments and was trying to avoid foreclosure. My mortgage servicer informed me that I qualified for a loan modification that would lower my monthly mortgage payment. As part of the process, I was placed on a XXXX-month trial payment plan. I successfully completed the XXXX trial payments and made each payment on time as required. After completing the trial payment period, I was told that I would receive a loan modification agreement to sign in order to finalize the modification. However, I never received the letter or documents that I was supposed to sign and return. Because I did not receive the agreement, the loan modification was never finalized. I was later informed that my mortgage is now back in foreclosure status. I believe this situation is unfair because I complied with the requirements of the trial payment plan and was waiting for the final documents that were never delivered to me. I am requesting assistance from the CFPB to investigate this matter and help ensure that my mortgage servicer honors the loan modification approval or provides a resolution that will prevent foreclosure on my home. Please review my case and assist in resolving this issue as soon as possible. Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Pa XXXX ] [ XXXX ] [ XXXX ]

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 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
recently reviewed my credit report and noticed a collection account being reported that I do not believe is accurate or properly validated. I disputed this account and requested proper documentation, but the company has failed to provide sufficient proof that the debt is valid or that they have the legal authority to collect it. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, companies must report accurate information and must provide validation of a debt when requested. Reporting a debt without proper verification may be a violation of these laws. I am requesting that this company provide full validation of this alleged debt, including the original contract, a full account history, and proof they are authorized to collect on behalf of the original creditor. If this documentation can not be provided, I am requesting that this collection account be immediately removed from all credit reporting agencies. I also request that the company cease reporting this account until the matter is properly verified and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I am a XXXX resident and borrower with {$220000.00} in XXXX loans serviced by AES. I am reporting material servicer misconduct and 'steering ' that caused me to miss the XXXX XXXX XXXX XXXX deadline. On XX/XX/XXXX, I contacted AES to ask about my XXXX IDR forgiveness. The representative told me I was 'not eligible. ' This was a material misrepresentation. While my XXXX loans weren't eligible at that moment, the representative failed to inform me that I could become eligible by consolidating into a Direct Loan before the XXXX XXXX Account Adjustment deadline. On XX/XX/XXXX, AES representative XXXX XXXX confirmed that an internal account note from that XXXX call explicitly states I was 'not eligible for XXXX forgiveness . ' This confirms the misinformation was documented in their system. I have already filed a formal dispute with the XXXX Attorney General and demand an equitable adjustment. As a borrower managing diagnosed XXXX and anxiety, I relied on the servicer as an expert. Their failure to provide the consolidation pathway was not just an error, but a life-altering omission for a borrower in my health and financial position.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am receiving repeated collection letters regarding an alleged debt that originally came from XXXX XXXX ( Account # XXXX ). However, the letters are now coming from multiple different companies that I have never done business with. This is approximately the eighth company that has contacted me about the same account. I am concerned about how my personal information and account details are being shared or transferred between different companies without my knowledge. I would like verification of the debt, clarification on which company currently has the legal right to collect on this account, and an explanation of how these companies obtained my information. I am also requesting that any company attempting to collect provide proper documentation showing that they are authorized to collect this debt. Please investigate this matter and ensure that my consumer rights are being respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am the cosigner of the lpan with credit acceptance, for months i have told the company that the primary signer XXXX XXXX is defaulting on the loan maliciously, she intends to drive the car, posess the car, use the car without fulfilling her obligations. She has let the car get behind XXXX months in payments has already had the car reposessed and has destroyed my credit in the process. I have paid to bring the account current and am making payments without the use of the car. She has let the insurance lapse and that has now put the account in a poaition where it could potentially break contract. Without being the primary drive or have use of the car i can not get insurance on the car but they will not work with me. They only allpw me to make payments. I have tried numerous times to work and request assistance with credit acceptance they refuse to involve me unless its pertaining to a payment.

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 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: TX

Complaint narrative:
This company is called IQ data. They are forcing people to pay full amounts and telling them to use there taxes or borrow money from other people to pay them in full. Even asked that you get a loan to pay them off. Its ridiculous. This is the only company that does not take payment plans. I tried getting set up on a payment plan they said NO. I've never heard of anything like this and its unacceptable!!

Company response to consumer: Closed with explanation