vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

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 2026-02-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Clarity Debt Resolution, Inc
State: FL

Complaint narrative:
I enrolled in a debt settlement program with Clarity Debt Resolution around 2024 after being told they would negotiate with my creditors and help reduce my debt. I was instructed to stop paying my creditors and instead make monthly payments into their program ( approximately {$330.00} per month ). 

Over approximately 20 months, I made consistent payments into the program totaling XXXX XXXX dollars. During this time, my accounts went delinquent, collection activity increased, and my credit score dropped significantly ( from approximately XXXX to the low XXXX ). I was also later sued by a creditor. 

I later discovered that Clarity had power of attorney and redirected creditor statements and communications away from me, which prevented me from receiving billing statements and managing my accounts directly. One of my active credit accounts was closed and sent to collections after communications were redirected through the program. 

The client portal showed an accrued balance of approximately {$4900.00} in my account. However, when I cancelled the program, I only received a refund of {$760.00}. I requested a full written accounting of all payments made, fees charged, and how my funds were allocated, but the company did not provide a formal itemized accounting. Instead, I received only verbal explanations and limited portal summaries stating the fees were normal. 

The companys disclosures acknowledge that participation would likely cause default, increased collection activity, and possible lawsuits, yet I was not adequately informed of the full impact this program would have on my credit, legal exposure, and financial stability. 

As a result of following their instructions, I suffered severe financial harm, account defaults, legal action from creditors, loss of access to credit, and substantial credit score damage. I believe the fees charged were excessive, the disclosures were insufficient, and the handling of my funds lacks transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TClub Inc
State: CT

Complaint narrative:
I initiated a remittance of {$9500.00} from my XXXX XXXX XXXX account on XX/XX/2026, using the Abound platform. Abound confirmed that they received the funds on XX/XX/2026. However, as of today, the money has still not been credited to the recipients account. 

The Abound app shows that the transaction was marked as delivered on XX/XX/2026, but the recipient has not received the funds. 

I have made several follow-ups with the Abound support team, but I have not received any satisfactory response, transaction confirmation, or proof of delivery. Instead, I have repeatedly been given revised estimated timelines ( ETAs ), and it has now been over a month without resolution. 

This ongoing delay has caused significant concern and inconvenience.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MOHELA
State: FL

Complaint narrative:
Mohela has been contacted by the XXXX XXXX deprament OF EDUCATION INFORMING THEM OF MY PENDING APPLICATION FOR A PERMANENT DISCHARGED AS A XXXX  OF TOTAL XXXX PLUS THIS SCHOOL XXXX  A XXXX  BY CHANGING NAMES WHICH RENDERED THEIR CERTIFICATION AS VALUELESS I ALSO INDICATED THESE FACTS TO THE CFPB AND BOTH XXXX XXXX XXXX ( XXXX  AND XXXX  XXXX XXXX XXXX THE XXXX XXXX REPORTING CREDIT ACT BY USING ONLY DATAS AND CODES FROM A PUBLIC DATA BASE TO SIDE WITH BOTH XXXX AND XXXX  AND MOHELA and XXXX  XXXX XXXX INSTEAD OF FURNISHING THE REQUESTED DEBT VALIDATION LETTER SHOWING HISTORY OF SELLING DEBT TO XXXX  XXXX THE XXXX  credit bureau CAN NOT PRODUCED THIS INFORMATION AT XXXX  but instead allowed XXXX to XXXX codes on this XXXX account to prevent lawful production of transparency in producing signed XXXX nformation. This debt is a charge off debt as a result of XXXX -violation of Fair Debt Collection Practices Act ( FDCPA ) : The company has been accused of violating the FDCPA by violating its credit card issuance agreement and for irresponsible charging predatory finance charges and interest charges and refusing to issue a refund which led to a chargeoff of this account which after a chargedoff they still can not XXXX true history of the original debt XXXX transparency on financial charges and interest upon written request which caused both XXXX  and XXXX XXXX XXXX to violate the Consumer Fair act. Multiple class action lawsuites and litigations. 

XXXX current has a XXXX XXXX dollar class action lawsuit for deceiving XXXX and XXXX credit bureau seens to be XXXX  them from XXXX by producing legally requested information about this XXXX  thus XXXX fair XXXX  act. This XXXX  XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
Validation of Debt Request - XXXX - XXXX XXXX XXXX XXXX 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 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 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Hello! 

I would like the dispute the resolution to my original complaint I filed with Mr. Cooper earlier this year. I had escrow funds that were paid to me reversed out of my account by Mr. Cooper in the amount of {$3800.00}, from a check which was issued to me on XX/XX/year>. 

I originally filed this complaint to Mr. Cooper and they responded by telling me the reason they reversed that escrow payment check out of my account was because of a mortgage payment they withdrew from my account that had insufficient funds. This was due to an " auto-pay '' feature that I had forgotten to turn off once the house was sold and paid for in full by the new buyer. By the time they had withdrawn the mortgage payment, the house had already been paid off by the new buyer. So there was no reason for them to deduct an extra mortgage payment from my bills account ( hence the insufficient funds, because I had already moved into my new rental ). I actually called Mr. Cooper about this numerous times, and they should have that on record somewhere that I spoke to a representative about my issue. The Mr. Cooper representative told me not to worry, and that the auto-paid mortgage payment wouldn't be counted against me since the house had already been paid off prior to its withdrawal. 

Because of this, I think Mr. Cooper has made a mistake in resolving the original complaint and I believe I am entitled to the escrow payment of {$3800.00}. I will attach the original complaint 's resolution document from Mr. Cooper that I am disputing, as well as a screenshot from my bank statement that shows the only payment withdrawn from my bills account on XX/XX/year> was my new rental payment through XXXX. 

I would like Mr. Cooper to look into this issue again and issue me a new escrow funds check in the original amount of {$3800.00}. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
I am submitting this complaint regarding the reporting of XXXX late payments ( XXXX XXXX and XXXX XXXX ) on my mortgage account with Carrington Mortgage Services XXXX XXXX XXXX XXXX XXXX of XXXX. 

The late payments occurred due to a misunderstanding related to automatic payments. I believed my account had been successfully enrolled in autopay, but the payments were not drafted as expected. As soon as I became aware of the issue, I immediately brought the account current and have since ensured that autopay is properly established. My account is now current and in good standing. 

I take my financial obligations very seriously, and prior to this situation I maintained a positive payment history as the loan was originally established with automatic payments. These late marks do not accurately reflect my overall creditworthiness or intent to pay, and they were the result of an administrative misunderstanding rather than an inability or refusal to pay. 

I previously contacted XXXX directly to request a goodwill adjustment to remove these late payment reports, but I have not received a satisfactory resolution despite my good-faith efforts to resolve this matter directly. 

Because mortgage payment history has a significant impact on my credit profile and financial opportunities, I am respectfully requesting that Carrington Mortgage Services conduct a reasonable review of my account and consider a goodwill adjustment to remove the reported late payments as a courtesy, considering : The payments were ultimately made and the account is current The issue was related to an autopay enrollment misunderstanding I acted promptly to correct the situation once discovered I have an otherwise positive payment history and intent to remain in good standing As a direct result of these reported late payments, my XXXX XXXX has decreased significantly, and I no longer qualify for certain lending opportunities that I previously would have qualified for. This has had a meaningful impact on my financial situation, including higher borrowing costs and reduced access to credit. Because these late payments resulted from an administrative misunderstanding rather than an inability to pay, I am respectfully requesting a goodwill adjustment so my credit history can accurately reflect my overall payment behavior. 

Given my prior positive payment history, the circumstances surrounding these late payments, and the fact that the account is now current and stabilized, I am requesting that this matter be reviewed for a customer-service-based resolution and goodwill consideration. 

I am simply asking for fair consideration and assistance as a customer who has resolved the issue and remains committed to timely payments going forward. 

Thank you for your time and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I asked for a deferment in XX/XX/XXXX also XX/XX/XXXX bc I can't afford to pay the balance of the totaled car and my new car. I was told this was done then found out they did not. Since then I've gotten non stop multiple calls everyday from One Main and it's harassment way mode the XXXX calls in XXXX  days.just the past week as follows XX/XX/XXXX from phone XXXX XXXXXXXX at XXXX XX/XX/XXXX from phone XXXX XXXXXXXX at XXXX from phone XXXX XXXXXXXX at XXXX from phone XXXX XXXXXXXX at XXXX from phone XXXX XXXXXXXX at XXXX XX/XX/XXXX from phone XXXX XXXXXXXX at XXXX from phone XXXX XXXXXXXX at XXXX XX/XX/XXXX from phone XXXX XXXXXXXX at XXXX From phone XXXX XXXXXXXX at XXXX From phone XXXX XXXXXXXX XXXX XX/XX/XXXX from phone XXXX XXXX at XXXX From phone XXXX XXXXXXXX at XXXX From phone XXXX XXXXXXXX XXXX XX/XX/XXXX From phone XXXX XXXXXXXX at XXXX From phone XXXX XXXXXXXX at XXXX From phone XXXX XXXXXXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I discovered a collection account reported by XXXX for an alleged XXXX XXXX debt in the amount of {$660.00}. This account appears on my XXXX  and XXXX credit reports. According to my credit reports, the account was reported around XXXX XXXX. I did not open, authorize, or use a XXXX XXXX account, and I do not recognize this debt. After noticing the account, I requested validation from the collection agency, including proof of the original agreement, authorization, and documentation showing the account belongs to me. At this time, no documentation has been provided showing that I am responsible for this debt. I am reporting this account as identity theft because the account was opened without my knowledge or consent, and the collection is inaccurately reporting information that does not belong to me. I am requesting that this account be investigated and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CO

Complaint narrative:
Validation of Debt Request- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ) XXXX, 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 XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint concerns Electronic Fund Transfer Act ( Regulation XXXX ) XXXX XXXX XXXX regarding This involves a California XXXX XXXX XXXX issued by Bank of America. '' fraudulent XXXX transactions totaling {$60000.00}. 
On XX/XX/year>, I formally submitted a dispute for claims XXXX, XXXX, XXXX  XXXX. Despite providing FTC Identity Theft Report # XXXX, the bank denied these claims by labeling them " authorized '' without providing evidence XXXX  refute the FTC report. 
Furthermore, Bank of America is in direct violation of Regulation XXXX for failing XXXX  provide provisional credit or a final resolution within the mandated XXXX window ( which expired on XX/XX/year> ). 
The bank has failed its investigative duties XXXX  its statutory obligations under federal law. I request that the CFPB compel Bank of America XXXX  : Conduct a manual review of the provided FTC Identity Theft Report. 
Immediately release the withheld funds of {$60000.00}. 
Provide the specific documents the bank relied upon XXXX  determine the transactions were " authorized. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, the merchant XXXX, XXXX issued XXXX refunds to my XXXX debit card ending in XXXX. These refunds, totaling {$210.00}, were for original transactions made in XX/XX/XXXX. 

The missing credits are as follows : - {$120.00} ( Invoice ID : XXXX | Transaction ID : XXXX ) - {$84.00} ( Invoice ID : XXXX | Transaction ID : XXXX ) I have provided Chase with the merchant 's internal receipts showing a " Completed '' status for these transfers. Despite these specific identifiers, Chase 's customer service claims they have no record of the funds and has refused to initiate a formal investigation into these missing credits. I am requesting that Chase locate and post these funds to my account, as they have now exceeded the standard XXXX window for electronic fund settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendmark Financial Services
State: WV

Complaint narrative:
I called the branch XXXX Wednesday the XXXX, at XXXX pm, to explain to them about some stuff I was dealing with, how the car payments were a little high, and that XXXX XXXX down on a XXXX XXXX XXXX XXXX that books between $ XXXX {$6000.00}. They want a total payoff of almost {$17000.00}. The branch XXXX, XXXX, was extremely rude and dismissive, and explained to me that they would not go through the effort of repossessing my vehicle, and that they would just contact a lawyer and garnish my wages her words, not mine. I feel like XXXX XXXX down in this loan on a predatory 25 % XXXX, to which I was met with bullying and harassment and response of trying to explain my concerns. When I tried to explain that my XXXX diagnosis and related financial hardship forced me to refinance, I was told that it was my choice to do so, and that no one had forced my hand. I was treated very poorly, and I am very upset with the result. I feel financially stuck and was met with extremely rude comments in return for trying to reach out for a lifeline. 

The suggestion was made that I refinance through a credit union. However, due to the vehicles value being less than half of the loan payoff, the vehicle can not be used as collateral for the loan. They also attempted to gaslight me about a second loan, which they combined with my current auto loan, ultimately lowering my payment, but increasing the term and APR. As previously stated, the vehicle has a value of between XXXX and XXXX XXXX, while the total loan payoff is currently about XXXX XXXX. With my current 25 % APR, the amount I will have paid by the end of the term is XXXX XXXX dollars. After XXXX months of payments, XXXX currently at negative XXXX percent payoff. According to LendMark, I will be at negative progress on the loan until XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am formally disputing XXXX collection accounts that have appeared on my credit report which I do not recognize and do not owe. These alleged debts are unverified and do not belong to me. Discovering these accounts was both shocking and distressing. Since then, I have been subjected to repeated collection attempts through various communication channels, which have felt harassing and intimidating. As a law-abiding consumer, it is unacceptable to be associated with debts that are not mine. This matter has caused significant emotional strain, sleepless nights, and harm to my credit standing.

Company response to consumer: Closed with non-monetary relief