vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am filing a complaint regarding missing insurance claim funds during a mortgage servicing transfer between XXXX XXXX ( previous servicer ) and NewRez ( current servicer ). In connection with a homeowners insurance claim, funds were issued and held by XXXX XXXX. Around XX/XX/year>, these funds were transferred to NewRez as part of the servicing transfer of my loan. Since that time, NewRez has been unable to locate or account for the funds. I have contacted NewRez multiple times and have not received confirmation of receipt or information about where the funds are being held. I have also contacted XXXX XXXX to request detailed transfer information, including the method of transfer, amount, and any applicable tracking or trace number. At this time, the funds remain unaccounted for between the two servicers. These funds are intended for time-sensitive property repairs related to an insurance claim, and the delay is causing financial harm and preventing completion of necessary work. I am requesting that the companies : Locate and account for the transferred funds Confirm the current status and location of the funds Ensure prompt release so repairs can be completed Both companies have a responsibility to properly transfer and account for these funds during servicing transfer. The lack of coordination and inability to locate the funds is unacceptable.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Debt Validation Request Dear Sir or Madam, I am writing in response to your communication regarding an alleged debt. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I dispute this debt and request that you provide the following information : 1. The amount of the alleged debt, including any fees, interest, or charges 2. The name and address of the original creditor 3. Documentation showing that I am legally obligated to pay this debt 4. Proof that your company is authorized to collect this debt 5. A copy of the original agreement or contract bearing my signature Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. Additionally, if this debt has been reported to any credit reporting agencies, please note that I am disputing it. Reporting inaccurate or unverified information may violate federal law. Please respond to this request within 30 days of receipt of this letter. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My loans were serviced with Navient when for XXXX College formally known as XXXX XXXX College approx. between XX/XX/XXXX and XXXX. I also believed to have serviced for my XXXX University loans from XXXX and Parent Plus Loan. These loans now total XXXX. I feel I was not properly informed of options and was steered into believing the best thing for me to choose would be forbearance instead of the Income driven plans. I was not able to make payments. XXXX University did not advise me of the full cost of classes and job placement. I have yet to find a job that is directly related to my degree after graduating with honors in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SD

Complaint narrative:
I am submitting this complaint against Columbia Debt Recovery LLC, doing business as Genesis, regarding their handling of an alleged debt they claim I owe. I believe they are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable South Dakota laws. I received a written notice of this alleged debt on XX/XX/XXXX. The notice stated that I could dispute the debt or request validation via email. I exercised this right and submitted a written request for validation via email on XX/XX/XXXX. After receiving no proper validation, I sent a second request via certified mail on XX/XX/XXXX. Despite these requests, Columbia Debt Recovery LLC, dba Genesis, has failed to provide adequate validation of the debt. They have not supplied sufficient documentation to prove that I owe the debt, that the amount is accurate, or that they have the legal authority to collect it. Additionally, they are attempting to charge interest on this alleged debt without providing any documentation showing that such interest is authorized by the original agreement or permitted under applicable law. To my understanding, this is not lawful in XXXX XXXX without proper contractual or legal basis. Their continued collection activity without providing proper validation, along with attempts to collect unauthorized interest, is concerning and appears to violate federal and state law. I am requesting that the CFPB investigate this matter and require Columbia Debt Recovery LLC, dba Genesis, to : 1. Provide proper validation of the alleged debt, including the original agreement, itemized accounting, and proof of their authority to collect. 2. Cease all collection efforts until proper validation is provided. 3. Remove any unauthorized interest charges. 4. Correct any inaccurate information reported to credit bureaus. 5. Ensure full compliance with the FDCPA and all applicable XXXX XXXX laws. I have retained copies of my correspondence, including my email dispute dated XX/XX/XXXX, and my certified mail request dated XX/XX/XXXX, and can provide them upon request. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
This collection account is not mine. I have never had any account with this company. Please investigate and provide documentation proving this debt belongs to me or remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 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: U.S. BANCORP
State: CA

Complaint narrative:
On or about XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, financed through U.S. Bank. After delivery, I discovered material, undisclosed damage, and the transaction was rescinded and unwound by the dealership on or about XX/XX/year>. As a result, the loan should have been paid off and the account closed. However, the loan remains active in my name with a balance exceeding {$120000.00}, and interest and payment obligations continue to accrue. I have confirmed with U.S. Bank that the loan has not been paid off, and despite notice that the underlying transaction was rescinded, U.S. Bank continues to maintain and report the account as active. I am being held responsible for a loan tied to a cancelled transaction, causing ongoing financial harm and risk of negative credit reporting..

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 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint because there is an inaccurate account being reported on my credit file through XXXX that do not belong to me or can not be verified. The account is Jefferson Capital Systems which connected to XXXX. This account is not mine. I did not open it and I never gave authorization for it. This is a serious reporting error and should not be on my credit report. This account is damaging my credit and lowering my score unfairly. Under the Fair Credit Reporting Act, all information reported must be accurate and verifiable. Right now, this accounts does not meet that standard. I am requesting that this company provide actual documented proof that I am responsible for these debts, including signed agreements and full account records. If they can not provide that, this account must be removed from my credit report immediately. I also want to know how this accounts was verified if they are claiming they are accurate. Simply matching my name is not enough. I am requesting a full explanation of the method of verification used. If this company continues to report information that is not mine or can not be verified, I am prepared to take further action. I am requesting immediate investigation and removal of all inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
Says I owe money to multiple companies that i dont and its on my credit, I want it all removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, unauthorized fraudulent transactions were made on my Cash App card to the merchant " XXXX '' ( merchant ID : XXXX XXXX ). Cash App 's own fraud detection system flagged and declined multiple attempts totaling over the amount eventually stolen. However, after repeated retries by the unauthorized party, Cash App allowed the transactions through, resulting in over {$200.00} in unauthorized charges. I contacted Cash App support multiple times tonight. One agent told me to contact XXXX directly, which is incorrect, the dispute responsibility lies with Cash App as the payment processor. Another call left me on hold for over 20 minutes before the system disconnected me. A third agent told me that because the transactions are still pending, no dispute could be opened and no cancellation was possible. Cash App 's fraud system identified these transactions as high risk and declined them, then failed to maintain that protection when the same transactions were retried. This is a failure of their fraud prevention system. I am requesting a full investigation, reversal of all unauthorized transactions, and a formal response regarding why their fraud detection allowed these charges through after previously flagging them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Received a pop-up on my laptop from " XXXX '' that my laptop was hacked and I needed to do this to not have it happen. Go to the bank and wire {$4500.00} and tell them I had a cousin in XXXX who had a very sick child and needed money for the care/hospital for this child. I had never been involved with a wire transfer and had no idea what exactly it was. The lady from Fifth/Third bank told me after, that had I told her it was from XXXX ( which she never asked me ) said she would have known it was a scam immediately. Unfortunately, she never told me and had she proceeded to tell me she would have knows immediately that it was a scam. After, I told her that I wish she had as hearing it was XXXX, I panicked. I had no idea that fake XXXX scammers existed. I had some money left in the account and they did not freeze the account until I found out by accident that they had not done that, which left time for the account to be accessed by the scammers! Thankfully, I learned that and contacted them to put a hold on the account. Wouldn't one think that a bank would know to do this????? The bank was not helpful to me at all. And the employee who sent the wire transfer should have done a better job in alerting me. The bank never was helpful after the fact. I contacted Fifth/Third fraud dept with no help at all. I was told to go back to the bank as each bank had their own fraud department. I contacted a branch XXXX from a sister bank asking her to help me with this ( with XXXX emails ) and she never replied to my emails. NO HELP WAS EVER OFFERED TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing a debit card transaction for an airline ticket purchased from XXXX XXXX. I purchased a ticket and arrived at the airport on the scheduled departure date expecting to travel. At that time, I was informed that my ticket had been canceled. I did not authorize any cancellation. As a result, I was denied boarding and did not receive the service I paid for. In order to travel, I was required to purchase another ticket at the airport and paid for it in cash. I filed a dispute with Chase, and my claim was denied on the basis that I authorized the cancellation. This is incorrect. I did not authorize the cancellation in any way. Access to booking details is not proof of authorization. If the ticket was canceled without verified identity authentication, then it was not authorized by me. I am requesting that Chase provide clear evidence that I authorized the cancellation, including the method, timestamp, and identity verification used. If they can not provide this documentation, the charge should be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
I requested formal debt validation under the Fair Debt Collection Practices Act and XXXX Finance Code XXXX including an itemized statement of charges, proof of my financial responsibility, and documentation showing the collectors authority to collect the debt. The company failed to provide adequate validation and continues to contact me via text messages attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I recently discovered an auto lease account reporting on my credit under the creditor XXXX XXXX Credit ( Toyota MTR ) that I do not recognize and did not authorize. This account is being reported as an auto lease with missed payments, which is negatively impacting my credit score. I have never applied for, signed, or agreed to any lease or financing contract with this company for any vehicle. I did not provide consent, identification, or signature for this account. I also have no knowledge of the vehicle, lease terms, or any related transaction. Based on this, I believe this account is the result of identity theft or a serious reporting error. After noticing the issue, I disputed the account through the credit reporting system, but it was not properly resolved and continues to be reported inaccurately. This is causing ongoing harm to my credit profile due to false late payment reporting on an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. JEFFERSON CAPITAL SYST date opened XXXX amount {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am formally disputing the accuracy and completeness of this account as it is currently being reported. The account shows conflicting and misleading information that appears inconsistent and potentially inaccurate under the Fair Credit Reporting Act. The report reflects that the account is closed, has an amount past due of {$0.00}, and includes remarks such as paid profit and loss, settled-less than full balance, and dispute resolved ; consumer disagrees/account closed by consumer. However, it is still being reported with a payment status of In Collections/Charge-off and a worst payment status of XXXX+ days late. If the account has been closed and no balance is past due, then continuing to report it in a manner that suggests an active delinquency or collection status is inaccurate, misleading, and unfairly harmful. Additionally, the remarks listed are contradictory and confusing. The reporting does not clearly and accurately reflect the true final status of the account. If the debt was settled, paid, or otherwise resolved, then the account should be updated to reflect a zero balance and a proper final status that does not misrepresent the account as currently delinquent or in collections. I am requesting that this account be fully investigated and corrected. Please verify the accuracy of all reported payment history, status codes, balance information, remarks, and closure details. If the information can not be verified as complete and accurate, I request that it be deleted from my credit report. At minimum, the tradeline should be updated to reflect a {$0.00} balance, no current past due amount, and a final status that is accurate and not misleading. Please send me the results of your investigation and provide the method of verification used.

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 2026-03-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an erroneous charge appearing on my Best Buy Credit Card statement and subsequently impacting my credit report. This charge pertains to merchandise that was never received and for which the order was explicitly canceled. On XX/XX/year>, I visited the Best Buy store in XXXX, NC, to purchase an XXXX XXXX XXXX XXXX laptop. As the desired color was not immediately available, the item was arranged for shipment. During this transaction, I also opened a Best Buy Credit Card account, through which I financed the XXXX XXXX, a one-year subscription to XXXX XXXX XXXX and a XXXX XXXX adapter. The following day, XX/XX/year>, I decided to cancel the XXXX XXXX order. I proceeded to the Best Buy location in XXXX, NC, where I returned the USB-C adapter and, concurrently, purchased an XXXX laptop. Despite the timely cancellation of the XXXX XXXX order, my subsequent credit card statement reflects charges for both the original XXXX XXXX ( {$1500.00} ) and the XXXX laptop I acquired from the XXXX store. This means I am currently being billed for merchandise I neither received nor possess, due to the cancellation. I have undertaken several attempts to resolve this issue without success. Initially, I contacted the Best Buy credit card department to file a dispute, clearly explaining that the charge was for a canceled order for unreceived goods. Following a lack of resolution, which resulted in the charge being reported on my credit report as a high utilization and maintaining a significant balance on my credit card, I made further efforts. I visited two different Best Buy stores and spoke with two separate managers. During these discussions, I provided comprehensive documentation, including evidence from the Best Buy application confirming the cancellation on XX/XX/year>, alongside my billing statements and receipts. Although the store managers escalated the matter to their department heads, the erroneous charge remains on my account. This unresolved balance is significantly impacting my credit score through high utilization, and I am being unfairly held responsible for an item that was canceled and never fulfilled. I respectfully request an immediate and thorough investigation into this matter. I seek the prompt removal of the {$1500.00} charge for the XXXX XXXX XXXX from my Best Buy Credit Card account and the rectification of any adverse reporting to credit bureaus. Please confirm the steps being taken to resolve this discrepancy.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I applied and got a approved for a XXXX credit card with offer of months of no interest and bonus. I never received the account number or statement to verify the transactions. Well fargo began calling me at odd hours. When I finally had a chance to call them, they told me my account is locked and demanded payment and only a statement read line by line over the phone is allowed. I requested an electronic statement and an account number to pay from my checking account but I was not given that information.

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