vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland Credit Management , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to formally dispute the accuracy of the account you are reporting under my name, referenced as Midland Credit Management, originally associated with XXXX XXXX XXXX XXXX 

According to my credit reports, this account is being reported inconsistently. One credit bureau reflects the account status as " Closed '' with a balance of XXXX and no monthly payment due, while another bureau reports the same account as an active collection account past due in the same amount. 

An account can not be accurately reported as both closed and actively delinquent/in collection at the same time. This conflicting information constitutes inaccurate and misleading reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Oquirrh Mountain Law Group, P.C.
State: MS

Complaint narrative:
I paid a credit repair company to help me with charge offs that have been paid but I was still being called by the companies that I had paid. The charge offs never went away and my score is still impacted. Also I was promised for accounts that I had closed that later claimed I owed them such as my previous bank, would be be taken care of and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My vehicle was impounded by law enforcement in California. At the time the vehicle was impounded, my auto loan account was not in active default and I was continuing to make payments on the loan. While I have had prior late payments, I continued to bring the account current and made payments toward the loan. 

After the impound, the lender was notified and took possession of the vehicle from the impound lot. I contacted the lender to request reinstatement of the loan and to continue making my regular monthly payments. 

The lender refused to reinstate the account and stated that because the vehicle was impounded due to alleged criminal activity, the loan could not be reinstated and the only option offered was to pay the loan balance in full. The lender did not provide a written explanation, loan contract provision, or legal basis supporting this refusal, despite my requests. 

I made the regularly scheduled payment that was due on or about the 28th of this month. Despite this, the lender has refused to accept reinstatement, has reported the account as delinquent or in default to the credit bureaus, and stated that a default would be processed by the end of the month. The vehicle remains in the lenders possession and has not been sold. 

I have continued to request clarification regarding my account status, reinstatement eligibility, payment application, and the specific amounts and fees being charged. The lender has not adequately explained why reinstatement is being denied, why payments are being refused or restricted, or why adverse credit reporting is occurring while the account status is disputed. 

I am seeking reinstatement of my auto loan, acceptance and proper application of my payments, correction of any inaccurate credit reporting, and a clear written explanation of the lenders actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
Jefferson Capital Systems {$3500.00} XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY

Complaint narrative:
To Whom It May Concern, This letter is a follow-up to my prior dispute and document submission regarding the above-referenced account, which was submitted through the CFPB portal.

As previously stated and supported by the ledger I provided, I vacated the apartment prior to XX/XX/XXXX. Despite this, I was charged for XXXX rent and additional fees, even though a credit of over {$500.00} was applied for that same month. These charges are contradictory and remain unexplained. 
In my prior correspondence, I formally requested itemized documentation and receipts supporting the following charges you are claiming : Cleaning fees Replacement charges Any damages or repairs alleged Any other miscellaneous fees billed after my move-out To date, I have received no response and no documentation verifying these charges. 
Please be advised that without proper verification and itemized proof, this debt is considered unsubstantiated. If you are unable to provide the requested documentation, I request that the account be corrected accordingly and any related credit reporting be deleted. 
I am requesting a written response within a reasonable time frame addressing this matter. 
Sincerely, 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 explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate, incomplete, and unverifiable credit reporting by consumer reporting agencies and data furnishers in violation of federal law. 

I disputed multiple accounts appearing on my credit report as charge-offs, collections, and bankruptcy-related accounts. These items are being reported without lawful verification, proper documentation, or accurate post-bankruptcy status. Despite my formal disputes, the credit reporting agencies and furnishers continue to report this information without providing competent proof of accuracy. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to conduct a reasonable investigation and ensure maximum possible accuracy. Reporting information that is inaccurate, misleading, incomplete, or incapable of being verified is prohibited. No proper investigation has occurred.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), debt collectors may not collect or report alleged debts without proper validation and legal authority. Several collection accounts are being reported without proof of ownership, standing, or contractual obligation.

Further, under the Truth in Lending Act ( 15 U.S.C. 1637 ), creditors must maintain and disclose accurate account terms and billing information. Accounts reported without evidence of valid disclosures or signed agreements are invalid.

I have also reserved my rights pursuant to the Uniform Commercial Code ( UCC 1-308 ). Any party asserting a financial claim bears the burden of producing competent evidence of the obligation. To date, no such evidence has been provided. 

Despite my disputes, the credit reporting agencies continue to report these accounts, and furnishers continue to verify information without producing documentation. This constitutes a failure to investigate, improper verification, and continued reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have a Synchrony Mastercard XXXX. 
In XX/XX/year>, I got my monthly invoice statement for the purchases for {$2900.00}. 
The payment due date was XX/XX/year>. 
On XX/XX/year>, I electronically schedule a payment for {$2900.00} to be made from my checking account on due date, XX/XX/year>. The scheduled date, XX/XX/year>, was verified by Synchrony representative when I spoke with them. 
I was out of the country from XX/XX/XXXX through XX/XX/XXXX. 
On XX/XX/year>, I checked my Email and was surprised by the Email from the Synchrony Mastercard noting that my payment of {$2900.00} is due on XX/XX/year>. 
I checked my bank account and indeed did not see any withdrawal on XX/XX/year>. 
I am never late with my payments and therefore decide to pay immediately to avoid any late charges, call credit card office the next day, Monday, and report on what happened. In the meantime, I checked my account and noticed that the money where withdraws immediately on XX/XX/year>. 
Next day, on XX/XX/year>, I called the credit card office XXXX. 
I tried to understand why the money was not withdrawn on the due date and explain why I paid on XX/XX/year>. Surprisingly I was informed that the computer did not take the money on XX/XX/XXXX. Its set up to take the money 2-3 days after scheduled date, it set up to send a warning way before the scheduled date. Why is it not set up to send a letter to the customer that the payment is scheduled? Is that my fault? 
Anyway, for now it looks like I made double payment. I asked the representative to cancel one payment. They refused to do it. They said that when the 2 ( two ) payments go through, they will send me a check within a month. That means that I must put additionally my money {$2900.00} for one month on hold. I am not a bank and can not subsidies credit card bank. I have other payments scheduled and at that point I do not have an extra {$2900.00} to invest. 
I spoke with several credit card representatives including supervisors. Everyone refused to help. The system is not set up. Again, it is not my fault! I was warned that if I cancel any one of these payments I will be penalized. It is ridiculous! And I can complain to everyone I want it including CEO of the bank nobody will help. 
The next day I called my bank, XXXX, and I cancelled one payment. The cancelation charges are {$30.00}, and I expect Synchrony to pay for it. 
On XX/XX/year>, I got another charge from Synchrony credit card for {$30.00}. What is that for? It is unjustifiable charges. Returned payment fee???? Returned of my double payment? I stopped payment of my 2-nd payment and I got charges for it!!! Its ridiculous!!!

I would like to have the removal of this fee and a check from the bank on my name for {$30.00} to cover charged by my bank for cancelled payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: IA

Complaint narrative:
Received a letter dated XX/XX/2026 regarding a change to my " current economic status ''. The letter has no From address, only XXXXXXXX XXXX # XXXX. An internet search of this XXXX  number reveals INDEPENDENCE HOME LOANS LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX. The letter provided a Reference ID of XXXX. The letter does not specifically state anywhere what its purpose is, only after researching the information on it did I realize it is a solicitation for modifying my current VA mortgage. A reading of the Reference number that starts with " VA '' is meant to deceive the recipient that it is an official VA letter. This letter is an obvious intent to mislead and deceive me, as well as other Veterans, into thinking I need to call the phone number listed because of a problem with my current " economic status '', and then to be subjected to a high pressure mortgage sale.

The letter specifically states " This letter is to inform you of a change to your current economic status. '' What legal authority or fiduciary connection to me does the sender have to inform me of any changes to my " economic status ''? I know of none. Since it appears the sender has access to my " economic status '', how did they get that information... have they hacked into my financial records? Additionally, there is a section for a " New Funding Amount '' listed at {$3000.00}. Being notified of a change to my economic status is certainly cause for alarm, and the section showing the new funding amount could be interpreted to mean that I OWE someone that amount of money. The letter states to " View or access your funding status '' cal
l XXXX. Note that it does not say ANYTHING about calling this number to get information about the funding status or to change the terms of my VA loan. 
On XX/XX/2026 I called the number listed XXXX in order to file a complaint against the sender of this letter. No one picks up on this phone number, it only transfers to a recorded message to leave your name and phone number for a call back, which I did NOT do. A while later I received a phone call from a XXXX XXXX at XXXX who proceeded to try and sell me a VA loan. I then issued my complaint to him, as delineated above, and also informed him that I will be filing formal complaints with the VA and other government agencies. Later I received another phone call from an XXXX XXXX at XXXX about a VA loan, and I relayed the same information to him as I did during the previous call. I note that these are unsolicited calls, I did not give my name and phone number for a return call. My phone number is on the Do-Not-Call list and I will be filing complaints against both these individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Case Number : XXXX My Capital One credit card was stolen, and multiple unauthorized transactions were made on my account. The card itself was opened by me, but I did not authorize any of the disputed charges. 
The fraudulent transactions occurred primarily in XX/XX/year> and afterward. I became aware of the unauthorized activity once I reviewed my account statements and transaction alerts, and I reported the fraud to Capital One promptly in XX/XX/year>, as soon as I discovered the issue. 
Capital One initially opened a fraud investigation and issued provisional credits. However, the bank later denied and reversed a portion of the disputed charges, stating that the claim was reported too late, even though I reported the fraud immediately upon discovery. 
I have since filed an official Identity Theft Report with the Federal Trade Commission and obtained a police report documenting the theft of my credit card and the unauthorized use. Despite this documentation, Capital One continues to deny certain fraudulent transactions based solely on timing, without properly considering that the charges were discovered and reported as soon as reasonably possible. 
I am requesting that Capital One fully reinvestigate all disputed transactions, accept the FTC Identity Theft Report and police report as evidence, and permanently reverse all unauthorized charges for which I am not legally responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am submitting this complaint to report unlawful debt collection conduct by * * I.C. System, Inc. * * regarding * * Account XXXXXXXX XXXX XXXX. 

Pursuant to the Fair Debt Collection Practices Act, * * 15 U.S.C. 1692c ( c ) * *, I formally demanded that I.C. System, Inc. * * cease and desist from all further communication * * with me regarding this account. Despite this clear statutory notice, the company has continued or I reasonably anticipate continued collection activity in violation of federal law.

My cease-and-desist demand revoked any consent to be contacted by telephone or cellular phone pursuant to the * * Telephone Consumer Protection Act, 47 U.S.C. 227 * *, and directed that all communication stop except as expressly permitted by 1692c ( c ).

Additionally, I demanded that I.C. System, Inc. * * cease all third-party reporting or disclosure * *, including reporting to consumer reporting agencies. Any continued reporting after receipt of a cease-and-desist notice constitutes continued collection activity and undermines the protections afforded by the FDCPA. 

Under * * 15 U.S.C. 1692c ( c ) * *, upon receipt of a cease-and-desist notice, a debt collector may only communicate to : 1. Confirm termination of collection efforts ; or 2. Notify the consumer of a specific legal remedy being invoked.

Any communication or credit reporting beyond these narrow exceptions is unlawful.

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 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AK

Complaint narrative:
XXXX XXXX continues to call me daily, trying to collect a debt that isnt mine. I dont have little kids, I told them Im a victim of identity theft and sent them the report, but they continue the debt collection and still on my credit report.

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 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal demand for immediate deletion of any account currently appearing on my consumer credit report that can not be fully verified with original source documentation, as required by federal law. 
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies and furnishers may not report information unless it is complete, accurate, and capable of verification. Verification must be supported by competent evidence, including but not limited to the original signed contract, full account history, and proof of legal authority to report. 
Any account that can not be verified with original source documentationas opposed to automated, summary, or database verificationmust be deleted immediately. Continued reporting of such information constitutes willful noncompliance and failure to maintain maximum possible accuracy.

Additionally, under 15 U.S.C. 1692, any party asserting a debt without lawful validation and proof of standing is prohibited from continued reporting or collection activity.

Further, under the Uniform Commercial Code, including UCC 1-103 and 1-308, the burden of proof rests with the party asserting a financial claim. Absent proof, no enforceable claim exists. 
Accordingly, I hereby demand that you : 1. Immediately delete any account that can not be verified with original source documentation 2. Cease reporting any disputed account lacking such verification 3. Provide written confirmation of deletion 4. Refrain from re-reporting any deleted account without lawful documentation If you contend that any account has been verified, you must provide : The original signed agreement bearing my signature Complete payment and transaction history Proof of ownership and authority to report The method of verification used Failure to comply will result in formal complaints filed with the CFPB, FTC, and State Attorney General, and may subject you to civil liability under 15 U.S.C. 616 and 617.

All rights are expressly reserved without prejudice pursuant to UCC 1-308. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: GA

Complaint narrative:
I am unclear of the management of my loans and PSLF certification has been compromised by their practices. I am unable to get through to someone to speak to and clarify my concerns.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal permanently limited my account after it was compromised due to a stolen mobile device. PayPal has acknowledged that the limitation is based solely on potential risk of chargebacks and has confirmed that no buyer disputes, chargebacks, or claims are currently pending on my account. 

Despite the absence of any active disputes or investigations, PayPal is holding my entire account balance for 120 days. PayPal has not identified any specific transaction under dispute, nor provided justification for withholding funds beyond a hypothetical risk assessment. 

I am requesting the release of my available balance or a reduction of the hold period. Continued withholding of funds without active disputes is excessive and unfair. I am seeking regulatory assistance to obtain access to funds that are rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent {$150.00} through Cash App to an XXXX XXXX for services he never rendered. I call these person multiple times and he dodged my phone calls. He also goes by the name of XXXX with a California phone number. And XXXX XXXX. First the customer service rep who hardly spoke XXXX at Cash App. said the account was closed with no such transaction. Then he lies and said the {$150.00} was sent to XXXX XXXX. I called XXXX XXXX to dispute thf charge and they said can't give me my money back because it was a app through which I sent the money to. Financial institutions offer no protection against fraud. I want my money back. This XXXX XXXX also goes by the name of XXXX and has since taken down his XXXX account which is where I first contacted him. XXXX XXXX and Cash App took advantage of me because I am a XXXX XXXX

Company response to consumer: Closed with explanation