vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
So I contacted the debt collection agency in XXXX when I initially noticed it to become a collection. They couldnt provide me valid information showing I owed the actual balance on the debt. All they could tell me was the debt was owed. Later on that year I had been incarcerated and couldnt fall through on getting the debt taken care. Today as of XX/XX/XXXX I spoke with the actual origin of where the debt was supposedly from, which was a gym membership in Georgia. Located at ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) they validated that I have a XXXX XXXX balance owed on any debt or membership within their facility regarding my name and account. I have a phone recording of the woman I spoke with saying that I owe a XXXX XXXX balance. My account number with them is ( XXXX ) and even the barcode fob # that I used to get into the gym to exercise is ( XXXX ). With this information I contacted the debt collector of Aldous & Associates PLLC located at XXXX XXXX XXXX XXXX XXXX. Where speaking with them got no where. I mentioned to them to validate the account number or information regarding showing me owing a debt to the gym and all they could provide me was basic info of a phone number and address and email simply showing that I had an account with the gym. But not showing that I owed them any money. They couldnt even provide me an account number linked to that information. All they could provide me was a reference number on XXXX XXXX XXXX behalf showing that I had a collection debt with them. The reference number with the agency is ( XXXX ) which when I called back and spoke with the gym about it .. they mentioned it had no correlation to the account with them at all. Speaking once more with the debt collection agency they mentioned the only thing they could do would be to mail me out the information they had on record with them and the only thing I could do was send in information in writing with options on paying a debt in full that i do not owe or sending them information they could take into consideration. Not even to release the debt off collection from my credit report given that I owe no balance at all with the gym who they are in reference to. I am looking to see if there is a way you can look into the information to stop Aldous and Associates from reporting inaccuracies to my credit report as they have been doing for the past 5 years,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: CT

Complaint narrative:
L J ROSS ASSOCIATES IN is falsely reporting on my credit. I have never had any accounts with them. Per my research L J ROSS ASSOCIATES IN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I financed a car with Lexus financial since the year of XXXX. Back in XX/XX/XXXX I refinance that same vehicle with my local credit union. Lexus received that check to pay the car off and misappropriated the funds in the beginning and attempted to claim that check was never sent. After further investigation, it came to their clarification that they did cast a check and the account would be updated to show paid in full. The account was updated on XX/XX/XXXX. I was supposed to receive a check back from Lexus on the overpayment on the loan after that check was cash because I had just made a car payment. I have contacted Lexus and their customer service department over six times since XXXX on the status of this check to be cut. Nobody has ever given me a clear answer, and the case has been escalated, and there has still not been an answer to when I would receive my refund. I feel that its unfair to the consumer that we are stuck in the limbo to receive money that is owed to us, but Lexus wanted their car payment and their money that I owe them on time every month so now that the shoe was on the other foot, they have dragged their feet and are failing to give the consumer any real answers or estimate estimated date on this can and and will be rectified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Validation of Debt Request - ASSETCARE LLC ( Original Creditor : US ACUTE CARE SOLUTIONS ) - 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
purchased a plan for my new car XXXX or so cancelled plan i was issued a credit to card XXXX or so with a credit ballance i asked them to mail me a check ITS BEEN OVER A MONTH THEY TOLD ME LAST WEEK IT WOULD BE MAILED TODAY THEY TOLD ME ITS BEING LOOKED ITTO BY FRAUD DEPARTMANT IT WILL TAKE XXXX MOREEEEEEEE HRS BEFOT A CHECK GETS MAILED OUT THAN 7 TO 14 DAYS TO MAIL CHECK I WANT IT OVERNIGHTED AND INTREST I SPOKE TO XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
Validation of Debt Request - SUNRISE CREDIT SERVICE/CHARTER COMMUNICATIONS- 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 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 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: NJ

Complaint narrative:
I am a New Jersey resident and I obtained a {$500.00} loan from Fox Hills Cash. After I signed the loan paperwork, I was told verbally that the APR was approximately 700 %. This APR was not disclosed to me clearly before I signed, and I was only informed of it after the agreement was executed. I believe this is a deceptive and unfair disclosure practice. Fox Hills Cash is not registered/authorized as a lender in the State of New Jersey XXXX Regardless of whether it is presented as a tribal loan or payday loan, I believe the interest rate and lending activity are unlawful and unenforceable under New Jersey law, including criminal usury limits and licensing requirements. I have revoked all ACH/electronic debit authorization for Fox Hills Cash and any third-party payment processors associated with this loan, effective immediately. I am offering to repay the {$500.00} principal only and I have requested a written principal-only repayment agreement with no additional interest, fees, or finance charges, and a repayment method that does not involve Fox Hills Cash initiating withdrawals from my account. I have not received any loan docs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Today is XX/XX/XXXX. I had not recived my state return yet so I called my states tax place to find out what was going on. I was informed it was pending being sent to a debt collecter and given a link to open to find out who. XXXX XXXX XXXX XXXX. I called found out it was about a visit to the XXXX XXXX of XXXX. I was told there bill was covered by my insurence. Later on something came up on my credit about it, I disputed it through XXXX and won approval. Then today when I found out this information that diffrent place worked with it now trying to collect and is trying to take my state refund. Again never reciving any notice or attempts at collection of this. Not even that they were taking my state refund. Also it is currently being disputed due to fraudgelents on accurate verbals to me about it. But I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions handling of my debit card dispute related to a {$170.00} charge from XXXX XXXX XXXX XXXX. I brought my vehicle to XXXX with a clearly documented complaint : left side blowing cold air while right side blows hot. This condition indicates a dual zone HVAC air temperature imbalance. The merchant recommended and performed a coolant system flush. A coolant flush services the engine cooling system and heater core coolant flow. Coolant flow affects both sides of the HVAC system equally and can not cause or resolve a one side hot / one side cold temperature condition in a dual zone system. After the service was performed, the condition remained completely unchanged. The temperature imbalance persisted, and the issue was not corrected. I requested a refund from the merchant, and it was refused. I then filed a debit card dispute with Navy Federal, explaining that the service was not reasonably related to the documented complaint and was therefore a misdiagnosis and service not as described. I provided the invoice, documentation of my original complaint, written correspondence with the merchant, and a detailed explanation of why the service could not resolve the issue. Navy Federal denied my dispute on the basis that I received a service. However, my dispute is not based on whether a service occurred. It is based on the fact that the service sold and performed was unrelated to the documented issue and did not address the problem I brought the vehicle in for. The denial appears to have evaluated the claim solely as a completed service rather than reviewing whether the service was misrepresented or not reasonably related to the complaint. I believe this constitutes an improper or incomplete investigation of my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Validation of Debt Request - TSIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
V iolation 1 ( FDCPA ) : Reporting to XXXX without first sending you a validation notice. Violation 2 ( FDCPA ) : Reporting to XXXX without first sending you a validation notice. Violation 3 ( FDCPA ) : Reporting to XXXX without first sending you a validation notice. Violation 4 ( FCRA ) : Failing to mark the account as " Disputed '' after you notified them on XX/XX/XXXX that this is being litigated in court. Violation 5 ( FDCPA ) : Using " False or Misleading Representations '' by claiming you owe a debt that is currently being litigated and disputed in court. They were made aware of this on a call on XX/XX/XXXX and ignored it. I also may ask my lawyer about punitive and emotional damages for these violations as they have SEVERAL complaints already about continuing to pursue invalid/disputed debts so an argument may be made that this behavior needs to be deterred on a systemic level. I filed the lawsuit against the landlord claiming I owe this and the property manager on XX/XX/XXXX and immediately disputed all charges in writing in XXXXXXXX XXXX XXXX as well as in XXXX, XXXX and XXXX over email. Please notice the debt collectors put this on my credit a day after the lawsuit was filed which I was not made aware of. I only knew they reported it today because of an XXXX notification. They also called me after the landlord was served to intimidate me into paying invalid/disputed charges. I NEVER received an email or any written notice from them showing the debt was valid and when I texted them because they texted me to negotiate a lower amount they ignored my texts asking where to send them a stamped complaint. I will be getting a lawyer to see how to pursue these violations and anything else that may happen as a result of their actions. This lawsuit is already distressing and they are exacerbating my distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Skrill USA, Inc.
State: MD

Complaint narrative:
My Skrill account was locked/restricted on XX/XX/year>. Despite responding to questions, my account remains inaccessible and I am unable to withdraw my funds ( {$11000.00} ). The company has stopped responding to me. Their info is : Skrill USA , Inc. ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MN

Complaint narrative:
I am submitting this complaint regarding MOHELAs administration of my XXXX XXXX XXXX XXXX ( XXXX ) qualifying payment count. My PSLF tracker reflected that XX/XX/XXXX2024 was my 110th qualifying payment. MOHELA ultimately declared XX/XX/XXXX as my 120th qualifying payment and XXXX my loans on XX/XX/XXXX. However, mathematically, if XX/XX/XXXX was 110, then XX/XX/XXXX should have been my 120th qualifying payment. Instead, MOHELA delayed proper crediting of qualifying months, resulting in a seven-month delay in reaching 120. Because of this miscalculation, I continued making monthly payments after I had already satisfied the statutory XXXXpayment requirement. Payments made after XX/XX/XXXX : XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} Total Overpayment : {$10000.00} These payments were made solely because MOHELA failed to correctly advance my PSLF qualifying count despite continuous certified qualifying employment and paid-ahead status.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

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 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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Update : Bank of America has only resolved six small claims totaling {$4900.00}. I still have over {$100000.00} in unresolved claims that have not been addressed or explained.I specifically asked the bank to combine all of my Favorited claims into one investigation, but they have not done so. Instead, they continue to split them into separate claim numbers, which makes it extremely difficult to track. Because my account was closed, I have no access to the claims portal and no way to see what is open, closed, denied, or pending.I am also unable to receive any credits while they are working on these claims because my account is closed. When I spoke to Bank of America, they told me I am showing a negative balance. This means I can not see, receive, or confirm any credits the bank claims to be issuing.This situation has become extremely stressful and difficult. The lack of transparency, the refusal to combine related claims, and the absence of a full accounting have caused ongoing hardship. I can not verify whether the bank is actively investigating the remaining claims, and I can not manage my finances while over {$100000.00} remains unresolved.I am requesting immediate assistance. The unresolved amount is over {$100000.00}, and the delays, lack of access, and negative balance status are causing significant financial and emotional strain. I need the remaining funds returned as soon as possible.I am asking the CFPB to require Bank of America to:1. Provide a complete, consolidated list of every claim I filed 2. Combine all Favorited claims into one investigation and one written determination 3. Provide the status and written determination for each claim 4. Explain why the remaining claims totaling over {$100000.00} are still unresolved 5. Return the remaining funds immediately 6. Keep this complaint open until all claims are fully resolved I urgently need full transparency and a complete resolution. The current situation is preventing me from managing my finances and puts me at risk of further harm if the remaining funds are not returned immediately. Please help

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 2026-03-02 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: LA

Complaint narrative:
Validation of Debt Request - SPRINGOAKCAP - 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 response to consumer: Closed with non-monetary relief