vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Contacted Chase via social media support and attempted phone support; instructed to use secure message ( but XXXX does not have card login ). Submitted XXXX  dispute today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
We where doing a loan modification with penny Mac and a man named XXXX XXXX called us from pennymac saying it would take XXXX to get the loan modification done.My husband sent him XXXX in three installments thru XXXX .. we are now facing foreclosure because they said this guy didn't work for them but when he called it showed several times with different numbers pennymac.

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

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company is trying to collect a debt from me of XXXX dollars that was bought from the original debt collector XXXX XXXX XXXX apparently . I will upload this debt as it is being reported to the 3 credit bureaus. There are lots of discrepancies and inaccurate information for this.

This letter serves as a formal request for validation of this alleged debt, pursuant to my rights under the FDCPA.

This is not a refusal to pay, but a demand for competent evidence that I have any legal obligation to pay you. Until such validation is provided, all collection activities must cease.

I respectfully request that you provide me with the following documentation and information : The amount of the debt.

The name and address of the original creditor ( XXXX XXXX XXXX ). 
A copy of the original contract or other agreement bearing my signature, which proves I am obligated to pay this debt.

Documentation showing how the debt was legally assigned or sold to Sunrise Credit Services.

An itemized breakdown of the alleged principal, interest, and any other fees or charges.

The date of the last payment made on this account.

Verification that this debt is within the applicable statute of limitations.

Be advised that I am keeping records of all correspondence. Reporting unverified or inaccurate information to any credit reporting agency violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates , LLC is reporting a collection account that is inaccurate and lacks proper verification.

I disputed this account and requested documentation proving ownership of the debt, the original creditor agreement, and a complete balance breakdown. Portfolio Recovery verified the account without providing this information.

As a debt buyer, Portfolio Recovery is required to maintain and review records sufficient to verify the accuracy of the information it furnishes. Verifying the account without such documentation violates the Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ) and 623 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: INDEPENDENCE HOME LOANS LLC
State: NC

Complaint narrative:
On approximately XX/XX/year>, I received an unsolicited " EXPIRATION NOTICE '' mailer from Independence Home Loans LLC ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX ). The document is crafted to mimic an official VA/government notice, using scare tactics and false urgency to pressure contact.

Deceptive features include : " EXPIRATION NOTICE '' header with QR code and barcode resembling official documents.

False claim of VA guidelines requiring a " waiting period in XXXX XXXX, NC '' to access " certain benefits through your VA Guarantee '' no such county-specific rule exists. 
Statement that the waiting period " expired as of XX/XX/year> '' and I have not accessed " {$14000.00} '' in " equity reserves '' or other benefits via XXXX XXXX 
Urgent demand to call XXXX by XX/XX/year>, referencing Notice Number XXXX ( or similar " XXXX '' prefix implying VA ties ) for a " detailed explanation '' of " cash or equivalent benefits. '' Buried fine print admits it's a third-party offer unaffiliated with VA, XXXX, or government, but main text uses alarming phrases like " our review has indicated, '' " expired, '' and hard deadlines to frighten recipients. 

I receive similar misleading mailers weekly from various lenders, but this one is especially aggressive and predatory, targeting veterans by exploiting VA loan terms to imply lost government benefits or official oversight. No prior relationship, transaction, or consent exists ; my info was likely obtained from public records or data brokers. 
I have not contacted them, made payments, or received any response. This manipulative marketing preys on homeowners with fabricated urgency and deceptive government-like presentation, constituting shady practices under consumer protection laws. Widespread similar complaints exist against this and other lenders for VA-related solicitations. 
I demand Independence Home Loans immediately cease all mailings to me, remove me from their lists, and that regulators address these ongoing deceptive tactics targeting veterans.

I file this to document these practices and request enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> World Finance Corporation XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. 
Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation.

Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title, including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information, if required by law in your jurisdiction. 
A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to consumer reporting agencies is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within fifteen ( 15 ) calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and court costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern From XXXX, XXXX until XXXX Truist Bank did charge my Mortgage the amount of {$2800.00} instead of {$2100.00} an over charge of {$720.00} each month. 
The overcharge of {$8700.00} was to pay my Hazzard insurance.

A brake down of my Insurance premium was XXXX  fair plan {$4600.00} XXXX XXXX ins. {$1600.00} Total of {$6300.00} XXXX asked the TRUIST BANK for a refund of {$2400.00} on several occasion ( twice in writing ) They did resound once and they did send me a check for {$470.00} I did not cash the check and I did send it back to them. 
I demand the full amount of {$2400.00} from Truist Bank XXXX XXXX XXXX XXXX, XXXX Thanks XXXX 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 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC has illegally re-aged XXXX debts originally opened with XXXX XXXX XXXX XXXX in XXXX and charged off in XXXX. These debts were purchased by LVNV and then reported to Experian as if they were brand new accounts opened on XX/XX/XXXX, with new account numbers ending in XXXX and XXXX. 

This is a direct violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Specifically : FCRA 623 ( a ) ( 5 ) LVNV reported a false Date of First Delinquency.

FCRA 605 ( c ) LVNV unlawfully extended the XXXX reporting period by re-aging the debts. 

FCRA 623 ( a ) ( 1 ) ( A ) LVNV furnished information it knew or should have known was inaccurate.

FDCPA 807 ( 2 ) ( A ) LVNV misrepresented the legal status and age of the debts.

FDCPA 807 ( 10 ) LVNV used deceptive and misleading reporting practices to collect a debt. 

The original creditor charged off these accounts in XXXX, and the XXXX is in XXXX. 

LVNVs reporting makes it appear as if the debts are newly delinquent, which is false and materially misleading. These entries are harming my credit and violate federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I disputed a collection account reported by Credence Resource Management , LLC.

Despite multiple requests, the company failed to provide clear and accessible validation of its legal authority to collect and report this debt. Instead, Credence repeatedly sent encrypted attachments with changing passwords, making the documents inaccessible and fragmented.

No Bill of Sale, Assignment Agreement, or written authorization from XXXX XXXX XXXX was ever provided. In one response, Credence stated it acts only as an agent for XXXX XXXX XXXX, not as the owner of the debt.

Reporting a collection account without providing proper validation and legal authority is inaccurate and violates the Fair Debt Collection Practices Act. I am requesting correction or deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
o Whom It May Concern, I am submitting this complaint to formally report what I believe to be unfair, deceptive, and potentially unlawful practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my accounts Despite repeated attempts to resolve this matter directly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, failed to correct the issue or provide a satisfactory explanation. Their conduct demonstrates a clear disregard for consumer protection obligations and has caused me unnecessary financial harm, stress, and wasted time. Specifically, inaccurate billing, unauthorized charges, failure to honor written agreements, improper credit reporting, refusal to correct errors, etc.. These actions appear to violate the XXXX XXXX XXXX XXXX and may also implicate other applicable federal and state consumer protection laws. What is most troubling is that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been fully aware of this issue since XX/XX/year> and has either ignored my communications or provided misleading, contradictory, or boilerplate responses. This pattern suggests systemic compliance failures rather than an isolated error. I am requesting that the CFPB : Require XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately correct this issue ; Ensure that any inaccurate information is fully reversed or removed ; Confirm that no negative credit reporting or additional fees result from their misconduct ; and Investigate whether XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX engaging in similar practices with other consumers. I expect a written response addressing this complaint in full, not a generic or dismissive reply. If this matter is not resolved promptly and completely, I am prepared to pursue additional remedies available to me under the law. Thank you for your attention to this matter. I trust the CFPB will take this complaint seriously and hold XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accountable. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
On XX/XX/XXXXXXXX XXXX {$21000.00} account funds were restricted due to a fraud investigation. At no time was my request honored for information including, a clear explanation of the restriction written in documentation, receipt for a deposited cashier 's check, as well as a definitive timeframe for when account access will be restored. I have contacted the bank multiple times receiving, inconsistent timelines and no assistance accessing the teller receipt. 
Provide full transparency with an estimated timeframe and written confirmation of my funds ' status and availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX Washington, XXXX XXXX Dear XXXX Representative, I am writing to you to request your assistance in resolving an ongoing credit card/charge case that I have with the corporation known as Bank of America XXXX 
I have made several attempts to resolve this matter, and nothing has happened. 
Legal proceedings have been obtained, as we have been to court. According to BOAs records this account is supposed to be in negotiations. However, I have been unable to gather any more relevant information about this matter. 
I am seeking justice by requesting this judgement/charge be completely removed from my credit account, and classified as a mistake. I am making this request due to the nature of the amount of tine that has elapsed and the lack of correspondence from BOA. I worked very hard to fulfill my part of the obligation, but it seems that the Bank is only interested in scarring my banking reputation to disable any future credit dealings, and this is absurd. I can be reached : I no longer have access to any corresponding documentation, but I am trying to contact BOA as of today & yesterday XX/XX/year>. I called previously and they told to contact the lawyer they had on file. Unfortunately, I misplaced this information in my home office. My account status was in Negotiation via a debt relief company, XXXX XXXX XXXX. But I have not found any resolve with BOA. 

Thank you, 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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
My identity was stolen and used to open a credit card at XXXX XXXX. The debt is now in my collections by midland credit. I did not make this purchase and I need this to be removed from my credit. The FTC report is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 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: FL

Complaint narrative:
FCRA 611 Credit Bureau Dispute Date : XXXX XXXX  RE : Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute information on my consumer credit report pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( 611 ).

The following account is being reported inaccurately and is disputed : Collector : Portfolio Recovery Associates This account has not been properly validated and is inaccurate and unverifiable. I have requested validation from the collection agency pursuant to 15 U.S.C. 1692g.

Until proper validation is provided, continued reporting of this account is improper and does not comply with the Fair Credit Reporting Act.

Please conduct a reasonable investigation and delete this account if it can not be fully verified.

I request written confirmation of the results of your investigation.

Sincerely, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXXis 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
opened the account on XX/XX/XXXX reported charged off XX/XX/XXXX paid in full on XX/XX/XXXX ... if I'm not mistaken it was paid in full before the charge off.... Credit report showing {$230.00} written off is not true my report is also showing XXXX and XXXX... Since I paid it off in full shouldn't my payment history reflect that .. it is still showing XXXX days pass due

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