vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MN

Complaint narrative:
I am writing to formally file a complaint regarding my XXXX XXXX XXXX XXXX ( XXXX ) application, which has been pending since XX/XX/year>. I have worked in public service for more than XXXX years as an educator, and I have made career and financial decisions in good faith based on the XXXX programs requirements and timeline. After waiting this long, the lack of resolution has created significant stress and uncertainty. I am requesting clear, written information on the following : Current status of my XXXX application submitted on XX/XX/year> What ( if anything ) is missing or needs to be corrected to move my application to completion A specific timeline for when my application will be reviewed and finalized Confirmation that my qualifying employment and payments are being accurately credited If there is an issue delaying processing, I need it explained clearly and in detail so I can address it immediately. If no action is required from me, then I expect my application to be processed without further delay. Please treat this message as urgent and provide a written response as soon as possible. I have remained patient throughout this process, but after more than a year of waiting, I need accountability and a clear path to resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute Under FCRA Section 605B Identity Theft Related Account To Whom It May Concern : JEFFERSON CAPITAL SYSTEM I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report. This dispute is made pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block information that results from identity theft. The account ( s ) listed below are the result of identity theft and were not opened, authorized, or incurred by me : - Creditor Name : XXXX XXXX - Account Number : XXXX - Date Reported : XX/XX/XXXX - Amount : {$550.00} I did not open this account, nor did I authorize anyone to open it on my behalf. This account is fraudulent and must be blocked from my credit file in accordance with Section 605B of the FCRA. Enclosed are the following documents in support of my claim : - A copy of my government-issued identification - Proof of my current address - A copy of my Identity Theft Report/ FTC Identity Theft Affidavit - A copy of the relevant page of my credit report highlighting the fraudulent account Under Section 605B, you are required to block this information within four ( 4 ) business days of receipt of my identity theft report and supporting documentation. Please send written confirmation that this account has been blocked and removed from my credit file. If you determine that the information will not be blocked, please provide a written explanation of your decision, including the name of any furnisher of information contacted. I expect this matter to be handled promptly in compliance with federal law. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: OR

Complaint narrative:
In the first week of XX/XX/year>, I discovered XXXX fraudulent charges to my Citi XXXX credit card. Purchases were made on XX/XX/XXXX and XX/XX/year>, all from websites I had never before shopped, or even visited for that matter. When I discovered the charges, I immediately contacted Citi to report them and to request cancellation of the compromised card. Citi investigated the charges and issued credits for XXXX of them but said that the merchant ( levis.com ) provided documentation proving that the XXXX disputed charge was valid. The documentation provided does not in fact prove that the charge was valid. Citi stated that because the IP address from which the items were ordered was in XXXX and they had " delivery confirmation '', that was sufficient proof. I'm well aware that my personal information has been compromised in several data leaks, which is why my credit reports have been frozen for a long time and why I monitor all of my accounts closely. It doesn't surprise me that someone in XXXX got ahold of my credit card information and personal details. A fraudulent purchase made from a XXXX XXXX address proves only that the fraudster had my personal information and was in XXXX, or using a VPN that would indicate such. As for " delivery confirmation '', the items in question were delivered to an address in XXXX, SC, a city I'm entirely unfamiliar with and certainly not randomly sending $ XXXX dollars worth of apparel to. I have no connection whatsoever to the address that received the goods nor to anyone who resides there and I refuse to pay $ XXXX for merchandise I never ordered nor received. I need Citi to do the right thing and reverse this charge.

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 2026-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC
State: PA

Complaint narrative:
I am disputing charges related to an HVAC installation financed through this account. The contractor failed to deliver the services as agreed. The installation was defective and incomplete, required multiple corrective visits, and never reached substantial completion. Several contract-required items were not installed, and the air-conditioning portion of the system was never tested or commissioned. Safety and code-related concerns were present throughout the installation. The contractor acknowledged in writing that the workmanship, repeated return visits, incomplete items, and safety concerns were unacceptable, but offered only a minimal refund unrelated to the unearned labor. I requested a full refund of installation and workmanship charges. I have obtained an independent HVAC evaluation confirming that the deficiencies are related to installation workmanship and failure to meet manufacturer installation and commissioning requirements, not equipment defects. I am requesting that the account be maintained in dispute status, that payments attributable to unearned installation and labor charges be credited or refunded, that associated interest and fees be removed, and that the balance be adjusted accordingly. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Re : Account Number __________ To Whom It May Concern : I am writing regarding the above-referenced account that your company is reporting on my credit report. I formally dispute this debt in its entirety. I do not owe your company any money, and I have no contract or agreement with LVNV Funding LLC. This is an alleged third-party debt that was reportedly sold or transferred to you. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt. Please provide the following : XXXX. The name and address of the original creditor XXXX. The original account number XXXX. A copy of the original signed contract or agreement bearing my signature XXXX. A complete payment history, including an itemization of the amount you claim is owed XXXX. Documentation showing that LVNV Funding LLC has legal authority to collect this debt XXXX. Proof of assignment or purchase of the debt from the original creditor If you can not provide the requested documentation, you must cease collection efforts immediately and notify all credit reporting agencies to delete this account from my credit report. Furthermore, if this account continues to be reported without proper validation, I will file formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General. This letter is not a refusal to pay but a notice that the alleged debt is disputed. You are required to cease collection activity until proper validation is provided. I expect a response within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, I am formally requesting validation of this alleged debt. I dispute this debt in its entirety and request that you provide documentation to verify its legitimacy. Specifically, please provide : The name and address of the original creditor. The full account number associated with the alleged debt. The amount of the alleged debt, including an itemized breakdown of fees, interest, and charges. Copies of any original signed contract or agreement bearing my signature that demonstrates I have a legal obligation to pay. Documentation demonstrating your authority to collect on this account. The date of default and the date the account was charged off. A complete payment history on the account. Until this debt is properly validated, you must cease all collection activity, including reporting this account to any credit reporting agencies. If you are unable to provide the requested documentation, you must immediately cease collection efforts and remove any reporting associated with this account. All future communication with me regarding this matter must be in writing. I expect your response within the time frame required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Validation of Debt Request - HARRIS & HARRIS LTDXXXX XXXXXXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
The account for the XXXX XXXX XXXX will be charged off if no payment has posted. Your account remains past due and we would like to discuss this matter with you. I understand financial pressures can feel overwhelming at times and often customers will feel nervous to call when they fall behind on payments. I assure you that we are here to work with you to find a mutually agreeable plan. Please understand we have only a limited amount of time available to work with you and need to hear back from you as soon as possible to be of assistance. Please contact our office toll free at XXXX. Our hours of operation are XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Thank you for taking the time to read this email. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA Finance Lender License XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, XXXX XXXX informed XXXX XXXX that his account ( Re : XXXX ) was assigned for repossession, would be charged off this month if no {$2700.00} payment was posted, and offered an extension option for XX/XX/XXXX and XX/XX/XXXX for a {$210.00} fee. On XX/XX/XXXX, XXXX XXXX responded with concerns, claiming his hardship and the vehicle repossession were caused by a manufacturer problem ( plugged PCV orifice causing camshaft bearing failure and metal shavings ) that the dealer would not cover under warranty, with car having XXXX miles and he demanded reimbursement. For the breach of contract is what caused hardship for this customer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Dept validation letter COLLECTION / CHARGE OFF LETTER Your Name XXXX Your XXXX XXXX XXXX XXXX XXXX, State, Zip code XXXXXXXX XXXX XXXXXXXX Receiver Name cfpb Receiver XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Zip code P.O. Box XXXX To whom it may concern, After reviewing my credit reports I have noticed accounts that are not verified on my report. Please re-investigate these accounts, as well as, verify and validate them for my records and to ensure accuracy. Please also send me the method you used to verify these accounts and any lawful documentation you receive. LIST OF ACCOUNTS : XXXX Please reach out to me within 30 days that is required by law. Also be advised that reporting unverified information on a consumer report is a violation of the FCRA. It is your duty as a credit reporting agency to conduct and fair and thorough investigation and NOT the furnishers as I am reaching out to your company according to 15 USC 1681i Thank you for your attention in this matter, Last : First-Middle Without prejudice, All Natural Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been incurring fees and would like to close the checking account. I have tried the regular numbers for contact but it has been difficult getting through. I also tried the chat function to no avail.

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Validation of Debt Request - CREDIT COLL/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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM/XXXXXXXX XXXX XXXX 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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I'm COLLECTION / CHARGE OFF LETTER Your Name XXXX Your XXXX XXXX XXXX XXXX XXXX, State, Zip code XXXXXXXX XXXX XXXXXXXX Receiver Name cfpb Receiver XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern, After reviewing my credit reports I have noticed accounts that are not verified on my report. Please re-investigate these accounts, as well as, verify and validate them for my records and to ensure accuracy. Please also send me the method you used to verify these accounts and any lawful documentation you receive. LIST OF ACCOUNTS : XXXX Please reach out to me within 30 days that is required by law. Also be advised that reporting unverified information on a consumer report is a violation of the FCRA. It is your duty as a credit reporting agency to conduct and fair and thorough investigation and NOT the furnishers as I am reaching out to your company according to 15 USC 1681i Thank you for your attention in this matter, Last : First-Middle Without prejudice, All Natural Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: TX

Complaint narrative:
Validation of Debt Request - XXXX XXXXXXXX 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 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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AR

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 non-monetary relief
Consumer complaint received 2026-03-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint for XXXX and Wells Fargo. Balance Transfer of {$7100.00} hit my account on XX/XX/XXXX. On XX/XX/XXXX, I reported the error and was told by XXXX this would be resolved by XX/XX/XXXX. Since then, I have made multiple calls to both Wells Fargo and XXXX : Wells Fargo confirmed they received my autopay on XX/XX/XXXX, refunded it on XX/XX/XXXX for unknown reasons, and then collected payment again on XX/XX/XXXX for {$3300.00}. They verified all payments were received and could not explain the {$7100.00} charge. Wells stated the charge originated directly from XXXX and escalated it to the XXXXXXXX XXXX team. When Wells and XXXX connected, Wells dropped off and XXXX stated they could not see anything and instructed me to call Wells again. On XX/XX/XXXX, XXXX again confirmed they collected payment and reiterated that the {$7100.00} charge came from XXXX, with no explanation. I then contacted XXXX again, provided screenshots of my bank account showing all charges, and a case was created on XX/XX/XXXX. I followed up again to XXXX and have not heard back. Both parties are refusing responsibility.

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