vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection accounts listed as 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-04-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: KY

Complaint narrative:
I enrolled in the debt settlement program with J.G. Wentworth in XXXX of XXXX. In XX/XX/XXXX I sent an email to J.G. Wentworth Customer Service asking questions on what would happen if i was to cancel my program and pay the creditor directly. The same day I decided to call the customer service number to ask the same questions instead of waiting the 2-3 days to hear back. My questions were answered and I decided it was in my best interest to remain in the program. XXXX days later I receive an email saying that my cancellation request would be processed in 7-9 business days. I immediately responded and stated that I DID NOT want to cancel. The next day I called and spoke to a customer service representative to again reiterate that I DID NOT want to cancel. XXXX days later I receive an email that my program was cancelled. I immediately called to state that I never asked for my program to be cancelled. I was told during that phone call that I could re-enroll in the program and an e-doc was sent to re-enroll that same day. I was never told when re-enrolling that the creditor would no longer be paid. J.G. Wentworth continued to take payments of {$240.00} out of my account twice monthly. I assumed everything was going as planned. On XX/XX/XXXX I received a notice from a debt collector for my Regions account. Regions had not been paid since XXXX. After re-enrolling into the program my escrow account was drained and all payments from XXXX - XXXX were put towards settlement fees. Since XX/XX/XXXX I have called approximately 4 times requesting to speak to a manager. Each time I was told there was not a manager available and that I needed to upload the debt collection notice so they could start negotiations. I was finally able to find a complaint email for J.G. Wentworth that none of the customer service representatives notified me of. I sent a complain email and the next day received a call from a " supervisor ''. I explained my situation and simply asked if we were unable to negotiate for the {$2700.00} I had left to pay if some of the settlement fees I have paid could be used for the remainder to be covered. I was told by this supervisor that she would speak with her " Lead '' and call me back in the next couple days. I never received a return phone call. I did attempt to call one last time to speak with this supervisor again and was told she would call me back the next morning and again did not receive a call. As of XXXX before the Regions was no longer paid I only owed {$2700.00} and was due to be finished at the end of XXXX. Now the least the debt collectors will take is {$4500.00}. This incidence was caused from complete negligence by J.G. Wentworth and the lack of accountability has been shocking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: KY

Complaint narrative:
My mortgage was sold to Fay Servicing either XXXX of XXXX or XXXX of XXXX. When it was switched to them it was hard to start paying them my monthly payments because they didnt give me a way to pay. Then when i was told how I did send in my payments and even paid over the amount due. XX/XX/XXXX I sent in a check for {$1100.00} and it was processed on the XXXX from the bank. XX/XX/XXXX I sent in a check for {$1200.00} and it still hasnt been processed. XX/XX/XXXX I have sent another payment of {$1000.00} They may have not recieved that one yet. I now have no account number ( They wont give it to me ) and no way to get on the online portal to pay or look at my mortgage. I asked them if i could pay over the phone with them and they say i am behind in payments and that the house is going into foreclosure and i have to pay forclosure fees before i can make any payments ( this seems strange ). I have record of checks i have mailed in for payments. Out of three of the most recent sent only one was processed. So they arent taking my payments. I have called them to ask about all of this and I dont get resolution. They told me they emailed me my information and they have not. I do not have any new emails from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
There has been a fee of {$41.00} on my statements that I just caught, They say for late payment charge, is it not allowed a grace period for these things, if they are not open for a holiday or something how can they charge something that is a day or so late, sometimes we have 4 day weekends and things are not open. This is totally unfair to the consumer. Called them the rep was a very nasty person in the phone. He offered no help at what I could understand. nasty person with bad XXXX. Please help everyone get those junk fees refunded. These guys are just stealing peoples money. Please help us.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: KY

Complaint narrative:
My us bank checking account is supposed to be charging off and i added it to my XXXX XXXX bankruptcy and Its taken care of as I don't wont to lose it or anything like that but its taken care of i don't owe them there taken care of so im hope to keep it or opening a new one please remove the owed balance cause its taken care of threw bankruptcy

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: CA

Complaint narrative:
I had a student loan account that was transferred from a previous servicer to CRI. Before the transfer, my account was set up on autopay, and all payments were made on time without issue. After the transfer, I was not properly notified that autopay would need to be re-established with the new servicer ; as a result, payments were not withdrawn from my account. I was unaware that payments were not being made until I was notified that the account was 90 days past due. immediately took action by contacting the servicer, bringing the account current. This delinquency was not due to intentional non-payment but rather a breakdown in the loan transfer process and a lack of clear communication regarding the transfer of my existing loan. I requested a goodwill adjustment to remove the 90-day late payment from my credit report, but the servicer declined to assist. I am requesting that the negative credit reporting associated with the incident be removed, as it resulted from a servicing transfer rather than negligence or unwillingness to pay. I have a history of ongoing payments and have acted in good faith to resolve this issue, and the current balance and payments are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: VT

Complaint narrative:
I have no clue about the amount as they will not specify who they are as a collection agency other than they are collecting for Acima. The first time I have heard from them since XXXX was yesterday, XX/XX/XXXX. It was from a private number claiming they would be coming to my home for a face to face contact order. I then reached out to the number she gave me and they proceeded to give me no information about who the debt was for, the amount, other than I needed to pay it yesterday or they would proceed with suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, the loan on a XXXX XXXX XXXX was paid in full ( See attachment ). A few days after XX/XX/XXXX I took the letter to Volvo at XXXX XXXX XXXX, XXXX XXXX Fl XXXX to see about getting the remaining refund from the XXXX XXXX. They told me that I needed ton contact XXXX XXXX of XXXX because they do not have any of the paperwork ( See attachment ) So that's what I did. I called XXXX and lady told me that Volvo in XXXX XXXX would have all the files they bought everything including all the warranty 's contracts. Or I could contact the XXXX company XXXXXXXX XXXX XXXX XXXX. Since, I didn't get anywhere with Volvo I thought that I would call XXXX to see if they could direct me in the right direction to resolve this issue. So I spoke with a nice lady over the phone at XXXX, she told me that Volvo in XXXX XXXX is the one that needs to fill out all the information and will get the process going to get the refund. Ok I will go back to Volvo in XXXX XXXX Fl On XX/XX/XXXX around XXXX XXXXXXXX I went down to Volvo in XXXX XXXX with all my paperwork that I assume they will need. I walk into the sales office and spoke with a lady and she told me that she could not do it because she doesn't have the paperwork. I told her I have my copies with me and if she couldn't do it then I like to speak to the manager. I guess the manager heard me and ask her to come into his office maybe he could tell I was getting a little upset. After a few minutes she came out of his office and told me that I needed to go back to the bank where I had the loan. I left thinking does anyone knows how to fix a refund on a XXXX XXXX policy. I know from all the vehicles i bought in my life and if there any funds remaining the dealership would do it without any hassle. This is still unresolve, can someone in your department help me fix this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation
State: IA

Complaint narrative:
XXXX XXXX continues to call me after I told them to not call me Ive even sent them a cease and desist. They continue to harass me. I dont know what this dead is. Ive never done business with them.

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Dear Pro Collect, 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 : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. 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 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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposited a {$55000.00} check into my Bank of America account and was initially told there would be a hold until XX/XX/year>. The next morning, the hold was extended to XX/XX/year> for the same vague reason that the check may be returned. Bank of America has provided no specific explanation for why this deposit was flagged or why the hold was extended. I spoke with a supervisor, who refused to provide any meaningful explanation and stated only that this was a process and that it could not be sped up beyond the 9-day period. The bank would not identify the specific basis for the hold, whether the issuing bank had been contacted, or whether any real review had been done. I have been a Bank of America customer for over 20 years, and I find this treatment unacceptable. A large deposit should not be repeatedly delayed using generic risk language with no clear explanation or meaningful opportunity for resolution.

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report I found XXXX accounts that I did not authorize and have no knowledge of. I sent the credit bureaus my ID theft report with these XXXX accounts listed. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account # - xxxxxx XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account # - xxxxxx XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Account # - 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 explanation