vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am responding to your contact about collecting a debt. I do not have any responsibility for the debt youre trying to collect.

If you have good reason to believe that I am responsible for this debt, please provide proof that I owe this debt, itemized breakdown of amount/debt, and proof that amount/debt is owed to Hunter Warfield , Inc .

Also, please record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: TN

Complaint narrative:
Dear LVNV FUNDING LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Unrecognized on my account and it was placed on my account XXXX and supposed to be removed as of as of XXXX XXXX which I have no acknowledge of this being on my credit report to make my credit score as low as it is

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am submitting this complaint regarding my XXXX Credit Card account, which is currently reported as charged off. 

I attempted to resolve this account in good faith and contacted XXXX in writing to request information about available settlement options and whether any credit reporting adjustments or goodwill considerations could be made upon payment. 

XXXX did not provide the requested information in writing and instead repeatedly instructed me to call by phone, despite my clear request to keep communication in writing for record-keeping purposes. 

I am seeking a written response that clearly explains my available settlement options and how the account will be reported to the credit bureaus if payment is made. 

My goal is to resolve this account responsibly and ensure fair and accurate credit reporting.

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
At XXXX XXXX  on XX/XX/XXXX I received an email stating that my account was locked and is under review and to call the number in the email. 
At XXXX on XX/XX/XXXX I called the number and spoke to someone who verified who I am and my account and then transferred me to someone else. That agent then said that they could not see why the account is under review and told me I can not pull out the remaining money in my account until the review is complete. I mentioned that my tax refund is going there and asked about that. They said that any deposits will still go into the account but that I won't have access to it until the 10 days or the review is finished. I asked to speak to a manager/supervisor and they said that there is no one there today to talk to and to call back on Monday but that the supervisor still won't be able to tell me anything either. 
At XXXX on XX/XX/XXXX I messaged virtual support on the credit karma app and they made a ticket, this agent also was unable to provide me with why my account is under review. They told me to call the number I previously called to speak to a special team and give a reference number. 
At XXXX on XX/XX/XXXX I called the number back and gave the agent the reference number, verified who I am, and they also could not tell me why my account was under review. Just that it would take 7-10 business days. They tried to transfer me to no avail two times. I finally was just put on hold to wait for another agent to answer. I was on hold for about an hour when someone was finally able to assist. I completed verification and then told them what I needed again. They said they could not provide me with the reason since they also don't know why and only the " back end '' department would know and that they would get in contact with me between now and 10 days. I can not pull any money out and that, that department does not have a phone number and they don't have an email for them. In my frustration I did express the ridiculousness that I can't even be provided the reason my account is locked/frozen and keeping me from getting my only money available. I finally asked if it can somehow be escalated. The agent said he would mark that I've called twice to put it as priority but that it doesn't guarantee that they will treat it as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: COMMERCE BANK
State: AR

Complaint narrative:
Commerce Bank XXXX XXXX card account I noticed suspicious charges in my account and reported them to the bank. They then without telling me locked the entire account including showing my balance it letting me access any part of my online account or it's settings. They want to charge a few for replacing the temporary card I was using when they were already supposed to send me a permanent card that they never had. It's been weeks and I still can't access any of my money or see any status of it other than that it is locked or what the status of the fraudulent transactions are. They are holding my money hostage with no way to get it without paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for taking funds from my account through a right of offset without considering documented financial hardship, resulting in serious harm. 
On XX/XX/year>, Navy Federal removed the only funds I had available in my account to apply toward a charged-off balance of {$160.00}. I am currently homeless and unemployed with no regular income. That money was intended for shelter and basic survival needs. Because of this withdrawal, I have nowhere to stay during dangerous winter weather with temperatures dropping into the teens and below XXXX. 
I notified XXXX XXXX in writing and by phone that I am homeless, unemployed, and that the removal of these funds placed me in immediate danger. Their response was a generic collections message that failed to address hardship. When I called, I was told they would not reverse the transaction because I did not have a prior payment arrangement and because I am unemployed.

I am requesting : A refund of the funds taken on XX/XX/year> A stop to any future offsets or automatic withdrawals A review under financial hardship protocols A response from a supervisor or compliance department Their actions have caused real harm and they have refused to reasonably engage with documented hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Sensible Auto Lending, LLC
State: PA

Complaint narrative:
auto loan was opened in 2021 in XXXX i contacted the company after i seen it pop up on credit repair i was not able to get any further information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This happened twice within the same month. I authorized and scheduled my credit card payments for the same day they were submitted and ensured sufficient funds were available in my bank account for three to four days each time. However, Capital One delayed processing the payments on both occasions, which resulted in very large late fees and interest being charged. When I called, I was incorrectly blamed for insufficient funds, even though the money was available for several days. These charges were caused by Capital Ones processing delays, not by any action on my part. I am requesting a full removal of all fees and interest and confirmation that no negative credit reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
This debt was taken out I think two years ago it was done via online mobile banking app from someone I used to work with who was also a hacker. I provided the bank as well as the police with the persons information phone number proof of text messages admitting what he did. I never signed for this loan and when I went into the bank, I was very upset of how someone could get away with putting a personal loan for this much in my name via online mobile app. They really couldn't give me an answer and on top of that I never got any proof of any type of loan no emails. Nothing! Otherwise, I would've caught it way sooner I never had any clue until the {$4000.00} a month to pay it back, started coming out of my account. After that, I immediately closed the account, and I no longer deal with Navy Federal credit union. I am a single mom I would never take out a {$15000.00} loan because I know I can not pay it back. I've never done anything like this and I should not be held responsible for something that I never signed for and haven't Done! This debt is ruining my life. I can not get an apartment for me and my children, and it's ruining my credit and I should not be held responsible when I was a victim of identity theft!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I bought a house with seller ( XXXX )- they transferred the loan to Lakeview.

later one of the customer care person did a mistake and autopay was cancelled. after i realized it, i reached out and accepted it as a mistake but requested me to pay additional monthly mortgage to reinstate biweekly autopay. somehow i could barely do it with help. Now i see the all the payments from the beginning were not applied to principal. I have attached payment activity sheet available online on my account. They returned some amount from my escrow without checking the taxes- even though they went up from XXXX XXXX now they increased my XXXX stating there is shortage in escrow. I feel they are not transparent and causing lot of stress and inconvenience. I am paying monthly initially {$6200.00} and later changed it to {$5300.00} and requested for change to biweekly ( autopay ) for which i had to pay one monthly payment in advance. Now, they change it to {$6800.00}, because of this I am having financial issues. please help me in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am formally disputing a collection account from your agency that has appeared on my credit report without any prior notification or communication to me. This is my first awareness of this alleged debt, and I have substantial concerns about its accuracy and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this statutory right and demanding that you provide comprehensive validation, including the original creditor 's name, a detailed breakdown of the amount claimed, and documented proof establishing my legal obligation for this debt. All collection activities and credit reporting must stop immediately until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I dispute this rental debt and the accuracy of the balance being collected and reported. The collector is attempting to collect an inflated and unsupported amount without providing legally sufficient verification as required by federal law. 

I timely requested validation, including an itemized final accounting, proof of tenant liability, documentation showing the charges exceed normal wear and tear, and evidence supporting the amount reported to consumer reporting agencies. In response, the company failed to provide competent verification and instead relied on a lease and conclusory statements, which do not satisfy verification requirements. 

The alleged balance includes routine turnover and maintenance charges that are not legally collectible from a tenant, contains duplicative or stacked charges, and was assessed without proof of tenant-caused damage, inspection reports, photographs, or signed authorization. The company has not demonstrated that the balance is accurate, legally enforceable, or properly calculated. 

By continuing collection activity and furnishing this account to credit bureaus without proper verification, the company is violating the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e and 1692f, and the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ). Reporting unverified and inaccurate information constitutes false representation and unfair collection activity. 

I request that the CFPB require the company to either provide full, legally sufficient verification or cease collection and delete the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Original XXXX  XXXX XXXX  sold the debt of XXXX and now have received a double or triple payment by garnishing my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX was acquired by Rocket Mortgage. They notified me that there was nothing that I needed to do and everything would remain the same. 

However, they discontinued the my Monthly Autopay without notifying me, causing a delay in payment and a 60 day late charge and a XXXX credit score decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I purchased products from XXXX XXXX via PayPal monthly pay loan in the amount of {$310.00}. I returned two of the three products and received an email from XXXX indicating they received my return and Id be receiving a refund in the amount of {$250.00} on XX/XX/year>. I have yet to receive the refund and XXXX  is indicating they have a payment processing issue with PayPal and can not refund me at this time. I made several claims with PayPal and each has been denied. I am forced to pay for products I no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
I am disputing a collection account being reported by Columbia Debt Recovery / Genesis due to inaccurate reporting of both the balance and the classification of the debt.

The account is being reported as rental or leasing debt ; however, the balance in question relates only to utilities, not rent or lease charges. The amount being reported ( ~ {$190.00} ) does not match the original documentation I received from the property manager for utilities ( ~ {$100.00} ).

I requested an itemized breakdown of the balance, including how the amount was calculated and documentation supporting the charges. Despite this request, the collection agency did not provide itemization or validation of the amount and instead verified the balance without explanation. 

I have documentation showing a different balance, including a final utility bill ( ~ {$100.00} ) and a move-out statement ( paid in full with utilities as the only pending charge ). Additionally, XXXX  removed this account after review on XX/XX/scrub>XXXX indicating that the information being reported is inconsistent. 

I disputed the account and requested clarification, but the collection agency failed to provide the requested documentation or explain the discrepancy in the amount being reported.

Company response to consumer: Closed with explanation