vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management for reporting a debt that I do not recognize and that has not been properly verified. The account shows a balance of {$620.00}. I have not received sufficient documentation to validate the accuracy of this debt or confirm that it belongs to me. I am requesting full verification under the Fair Credit Reporting Act ( FCRA ), including : - Original creditor details- Signed agreement or contract - Full payment history - Proof of legal ownership and authority to collect Because this information has not been provided, I believe this account is being reported inaccurately. I request that this account be investigated and removed if it can not be properly verified. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I am disputing a collection account reported by National Credit Systems in the amount of approximately {$8400.00}. This account is being reported inaccurately on my credit report. The account contains multiple invalid date entries and inconsistent reporting. I have previously disputed this account, and it continues to be marked as verified without correcting these errors. I requested proof of the debt, including a signed lease or agreement showing my responsibility, as well as a complete and accurate account history. This information has not been properly provided. I do not believe this account has been properly verified under the Fair Credit Reporting Act. I am requesting a full investigation and removal of this account if accurate documentation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my account about XXXX years ago then they put a late payment on my account I have never been late at this account I told him to remove it and it refuse to all the years I had this credit card both of my credit cards I never been late and they lied and said I was late now it's hurting my credit

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 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC
State: VA

Complaint narrative:
I am disputing a collection account related to a rental debt in the amount of approximately {$12000.00}. This account is being reported inaccurately on my credit report. The account contains multiple invalid date entries and inconsistent reporting. Despite previous disputes, the account was marked as verified without correcting these errors. This raises concerns about the accuracy and proper verification of the information being reported. I have requested proof of the debt, including a signed lease or agreement showing my responsibility, as well as a complete and accurate account history. This information has not been properly provided. I do not believe this account is being reported accurately or can be fully verified under the Fair Credit Reporting Act. I am requesting a full investigation and removal of this account if accurate documentation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
I requested documents to prove the amount was correct and the terms and conditions and did not receive it. They perused a lawsuit against me instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: MOHELA
State: OH

Complaint narrative:
I am a XXXX XXXX Veteran with over XXXX qualifying PSLF payments. I am filing this complaint because MOHELA has improperly categorized XXXX specific months as 'Non-Qualifying " due to 'Forbearance on due date. ' XXXX & XX/XX/XXXX : These months were placed into an Administrative/Processing Forbearance by MOHELA during their internal platform transition. I did not request this, and I have evidence of messages sent to MOHELA requesting its removal. Under XXXX XXXX XXXX, servicer-initiated administrative forbearances must count toward XXXX. XX/XX/XXXX : My account was placed into an Administrative Forbearance during the XXXX XXXX ( XXXX ) recertification process. Current Department of Education policy states that administrative forbearances for the purpose of processing XXXX applications are qualifying months for XXXX. I have already attempted the 'Reconsideration ' process through XXXX, which was denied without a manual review of the servicer-initiated nature of these forbearances. I am requesting that MOHELA manually update these XXXX periods to 'Qualifying ' status so that I may reach my XXXX goal in XX/XX/XXXX as planned.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
This account was fraudulently opened under my name, and I have no knowledge of or association with the address linked to this account. I have never lived at that address, nor have I authorized any services or financial obligations related to this account. I have disputed this account multiple times ( at least three separate disputes ), yet it continues to be reported on my credit file without proper validation. During a previous communication, I spoke with a representative who acknowledged the issue and advised me that the account would be removed within a few days due to it being identified as fraudulent. However, no action was taken, and the account remains on my credit report. I have never provided consent for this company or any third party to collect a debt on my behalf, nor have I authorized the use or sharing of my personal information in connection with this account. The reporting of this account is therefore inaccurate and unauthorized. In addition, I have taken further steps to verify my claim, including obtaining official verification confirming that I have never been associated with the address tied to this account. I have also provided documentation supporting that this account does not belong to me. Despite this, the company continues to report this account, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as the information is inaccurate and has not been properly verified. I am requesting that this fraudulent account be removed from my credit report immediately. Given the multiple prior disputes and supporting verification already provided, I expect this matter to be resolved within 7 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates regarding a debt listed on my credit report that I do not recognize. The reported balance is {$480.00}. I have not been provided with adequate documentation to verify that this debt is valid or belongs to me. I am requesting that Portfolio Recovery Associates provide proper verification under the Fair Credit Reporting Act ( FCRA ), including : - Original creditor information - Signed agreement - Full payment history - Proof of ownership and right to collect Without this documentation, the continued reporting of this account is inaccurate. I request a full investigation and removal of this account if it can not be properly verified. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Hello, I noticed an account on my credit report from Jefferson Capital in the amount of XXXX. I disputed the charge because I thought it was by mistake. I was informed that it was sold to the company by XXXX 's and it was an attempt to collect the debt that was owed. I informed them that I did not owe anything because I had paid them the required amount that I signed on the contract. However, they charged me for arrears that was not talked about in the process of buying the items I bought. I asked the debt collection company if they had a copy of my contract and she said she only seen the promissory note. I asked her the date the contract was opened and when it was sent to collections. She informed me it was opened in XXXX, was charged off in XXXX, and the debt was sent to collections in XXXX. I asked her why are they still reporting it if it has been XXXX years since the account was opened and at least XXXX since they have received a payment. She did not respond and offered to settle the account for XXXX and a credit card with them. I informed her per their automated recordings I could not be sued for the debt so why should I agree to pay if the account she be deleted by now. She had no response for me, I told her there is a no re-aging law in Texas and they can not drag on a debt over XXXX years. They must put in a request to have it deleted from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding Speedy Cash for reporting a debt on my credit file that I do not recognize and that has not been properly verified. The reported balance is {$2900.00}. I have not been provided with documentation confirming that this debt is accurate or belongs to me. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Speedy Cash provide full verification, including : - Original agreement or signed contract - Complete payment history - Original creditor details- Proof of legal right to collect this debt Because this information has not been provided, I believe this account is being reported inaccurately. I request that this account be investigated and removed if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am formally disputing inaccurate, unverified, and potentially deceptive information being reported on my credit file. ACCOUNTS IN DISPUTE : - LVNV Funding LLC {$730.00} ( Collection ) - LVNV Funding LLC {$1100.00} ( Collection ) - XXXX XXXX XXXX {$620.00} ( Charge-Off ) I am requesting full validation of these accounts, including : - Original signed agreement - Full payment history - Chain of assignment ( for LVNV Funding LLC ) - Itemized balance breakdown If these accounts can not be properly verified, they must be deleted immediately under the Fair Credit Reporting Act DECEPTIVE PRACTICES CONCERN : Additionally, I contacted LVNV Funding LLC regarding these accounts. During the call, I was told I must pay a {$1.00} fee to access or review my account through what was described as a government platform. I refused. I then called another number ( XXXX ) XXXX believed to be LVNV Funding LLCs legitimate office, and they confirmed that the first number was also their office and stated they stand by the same requirement, again requesting a {$1.00} payment to access account information. To my knowledge, there is no legal requirement under federal law that obligates a consumer to pay any fee to validate or review a debt. This repeated demand raises serious concerns regarding deceptive and misleading practices and potential violations of the Fair Debt Collection Practices Act ( FDCPA ), including misrepresentation and unfair collection practices. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUEST FOR RESOLUTION : I am requesting : XXXX. Full written validation of all disputed accounts 2. Immediate deletion of any accounts that can not be properly verified 3. Removal of any unauthorized hard inquiries 4. Investigation into LVNV Funding LLCs requirement of a {$1.00} fee to access account information This complaint is submitted for formal investigation and resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MT

Complaint narrative:
This will be the fourth complaint I have made against CashApp someone hacked into my CashApp account and made transactions on my account that I did not authorize and approved couple of transactions and had the amount of XXXX in my account. I don't agree with my case being closed because my money was stolen from me from someone hacking into my account and goes to show how people really are. Not just the CashApp but the CFPB agrees that it is ok to let it be ok for someone doing dirty to someone because I don't think it is what so ever. I am asking for a refund of that money and my money I had in there back into my account because not only was that money to take care of my XXXX children it was my rent money to keeping a roof over me and my XXXX children as being a XXXX mother. Not being able to put food in my children 's stomach or being evicted and no place with my XXXX children and end up in the hospital and get severally sick I will hold not just CashApp but as well the CFPB to for XXXX because of not getting my refund and getting evicted out of my home with my XXXX children and make sure that they will be held accountable. I have gave CashApp everything they asked of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I requested documentation to prove I owed the debt and it was not sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Lendbuzz Inc.
State: MD

Complaint narrative:
I was informedand this is documented in the audio recordingsthat my total outstanding debt amounted to {$2200.00}. Consequently, I borrowed the necessary funds from a friend and deposited them into my bank account ; however, the transaction was placed on hold ( " pending '' ) by the bank. As a result, I was unable to settle the debta situation for which I bore no responsibility. XXXX XXXX prior to this incident, I had contacted the company, provided my account details, and explicitly instructed them to deduct the entire outstanding balance from that specific card. At that time, my account held sufficient funds to cover the debt. They acknowledged my request, stating, " Very well, we will proceed with the withdrawal, '' and I formally authorized the transaction. However, because the finance company 's employee failed to withdraw the full amount, I was subsequently notified that I still had an outstanding balance and that my vehicle would be seized. I protested, asserting, " I owe nothing ; listen to the recordingsthis error is entirely on your end. '' Nevertheless, they proceeded to impound my vehicle. I now entrust this matter to the esteemed American justice system ; I will, without question, abide by whatever decision is rendered in accordance with the laws of the state. My sole wish is to regain access to my vehicle and personal belongings, and I respectfully request your assistance in resolving this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I XXXX XXXX am a Consumer/Natural Person. Credit Collection Services, you are a debt collector identified in the Fair Debt Collection Practices Act ( FDCPA ) pursuant to Title 15 USC 1629a ( 6 ). I dispute the ALLEGED debt. You do not have a fully signed original contract giving you the right to collect this debt and that it is legally yours. ( This is debt validation, that the debt was legally transferred to you ). You have no documentation of proof of assignment of the contract from the original agreement. A summary breakdown ( original creditor, account number, balance and dates IS NOT THE ORIGINAL CONTRACT! There must be a clear link between the original debt ( contract ) and the collectors right to pursue it. You are in violation of the FDCPA to collect interest, rates or payments without a contract. You did not provide verification in accordance with the FDCPA, nor relevant documentation. This will be my final demand. Remove the negative information you are causing me injury from the credit bureaus, cease and desist any and all collection activity. Produce verification of the original contract, the authorization the debt was transferred to you to collect, the original agreement with my signature giving you permission to report my personal information to the credit bureaus. If you choose not to correct this matter, I will be forced to file suit in court and have a judge to rule on the matter, and seek {$12000.00} for the injury and damage to my credit, preventing me from obtaining credit due to your reporting my personal information. I am invoking specified remedy as to the original creditor and demand you remove any and all reporting of the debt collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I reached out to American Express Gift Card services because I have two gift cards and they both dont work at a majority of major retailers and merchants. Ive called their customer service line multiple times and they just keep blaming the merchants but arent solving the issues. These are companies like XXXX and XXXX that Ive tried to use these cards for. The last time I called was today on XX/XX/year> and I got the same answers saying that I need to call the merchants to figure it out and that they cant do anything. Really bad service and the hardest prepaid gift card to use

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
To : Radius Global Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : FORMAL NOTICE OF DISPUTE, REQUEST FOR VALIDATION, AND DEMAND TO CEASE REPORTING To Whom It May Concern, I am writing regarding an alleged debt that your company claims I owe. This letter serves as a formal dispute of the validity of the alleged debt and a request for full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question was reportedly charged off by the original creditor more than four and a half ( 4.5 ) years ago and has since been circulated among multiple thirdparty collection agencies. The continued reporting and attempts to collect on this account have caused significant financial harm, including damage to my creditworthiness, higher interest rates, reduced access to financial opportunities, and ongoing emotional distress. Under federal and applicable Connecticut consumer protection laws, I hereby demand the following : XXXX. Provide complete validation of the alleged debt, including : The name and address of the original creditor The original account number A complete payment history The amount allegedly owed, including itemized interest and fees Copies of any signed agreement bearing my signature that creates a legal obligation Documentation showing your legal authority and chain of assignment to collect this debt XXXX. Cease all collection activity until the requested validation is provided. XXXX. Immediately cease reporting this account to any credit reporting agencies until such time as the debt has been properly validated. XXXX. If your company can not fully validate the debt, you must immediately delete any tradeline or reporting associated with this account from all credit reporting agencies. Please be advised that reporting information to credit reporting agencies that you know, or should know, is inaccurate or can not be verified may constitute violations of the FCRA. Furthermore, continued collection attempts without proper validation may violate the FDCPA. Should your company fail to comply with these requests, I reserve the right to pursue all remedies available to me under federal and Connecticut law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Connecticut Attorney Generals Office, and pursuing private legal action for damages. This letter is not a refusal to pay, but a notice that the alleged debt is disputed and must be validated. Please respond in writing within thirty ( 30 ) days of receipt of this notice.

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