vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
Back in XXXX I recertified my IDR application with Mohela XXXX servicing for approval. The process has been filed and approved by the XXXX XXXX XXXX previously until they transfer the servicing to Mohela. I called Mohela several times regarding the status of my application for the IDR and continue to be informed that the process is being worked on or held up. I continue receiving emails from Mohela, but no word about the approval of my IDR. Early XXXX I enrolled with XXXX XXXX for the a loan forgiveness program which they approved and I am currently working with them regarding my Income Driven Repayment. I am almost XXXX XXXX XXXX on a fix income and can not repay what Mohela is asking. I received and email from Mohela on Friday XX/XX/XXXX stating my application for the IDR had been approved, after almost 3 years of receiving my application. The customer service is not properly trained, the wait time on calls to speak with a representative at Mohela was an hour and a half and the processing of applications is not timely by no means. I called XXXX XXXX to help me with this issue. All information was submitted to Mohela in a timely fashion and continue follow ups have been made by me. I don't know why they switched the loan servicing to Mohela but they need to either reclaim the processing or find someone that can do a better job.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: NC

Complaint narrative:
In XXXX tried to contact company asked for them to send debt validation in the mail did not do it XXXX asked again to send debt validation in the mail did not do it. They removed it from my credit bureau, then reapplied it to my credit bureau in XXXX. I asked that this be removed. They are not practicing by law.

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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Equifax JEFFERSNCP Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$490.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX JEFFCAPSYS Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$490.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$1500.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity fraud Experian has removed these accounts and placed them back on to my credit profile. i have submitted paperwork inducing my identity theft report. i have never opened these account and these fraudulent accounts have missed up my credit score almost XXXX points please help me i have XXXX address and XXXX phone numbers that are linked to fraud on my report i have attached a new report today to help in my resolution of this fraudulent accounts.

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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TN

Complaint narrative:
I am filing this complaint against Absolute Resolutions Corporation regarding their attempts to collect an alleged debt of {$21000.00} on behalf of XXXX XXXX XXXX XXXX. I want to make it very clear that I have never had any account, product, or relationship with XXXX XXXX XXXX XXXX. I have never opened a credit card, taken out a loan, or conducted any business with this institution. Despite this, XXXX Resolutions continues to claim that I owe this debt. I have formally disputed this debt twice in writing and requested proper validation. Both letters were sent via XXXX mail, and I have attached proof confirming that Absolute Resolutions received them. However, they have completely failed to respond to either request. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested verification that this debt is mine, documentation proving they have the legal right to collect, and evidence of the original creditor agreement bearing my signature. To date, they have provided nothing. In addition, when I attempt to resolve this matter by phone, I am consistently met with unprofessional and hostile behavior from their representatives. Calls are rushed, my questions are dismissed, and no meaningful assistance is provided. It appears that Absolute Resolutions purchased this alleged debt for a fraction of its value and is attempting to collect it without proper verification or documentation, which is both unethical and potentially unlawful. I am requesting that Absolute Resolutions cease all collection activity immediately unless and until they can fully validate this debt. I am also requesting that they provide complete and proper documentation proving that the debt belongs to me, that the amount is accurate, and that they have legal authority to collect. If they can not validate the debt, the account must be deleted and reported as invalid with all credit bureaus. Additionally, their customer service practices should be reviewed to ensure consumers are treated professionally. I am prepared to escalate this matter further if necessary, including filing complaints with additional regulatory agencies and pursuing legal remedies for violations of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX. Checking account with JPMorgan Chase Bank , N.A . ( ending XXXX ). This complaint was forwarded to CFPB by XXXX XXXX on XX/XX/year> ( now CFPB ID XXXX ). It relates to and supplements my original CFPB complaint filed XX/XX/year> ( ID XXXX ). On XX/XX/year> ( XXXX PM ), I requested a {$1000.00} " Cash Ready '' ATM withdrawal via XXXX XXXX XXXX XXXX On XX/XX/year> ( XXXX AM ), I successfully deposited {$800.00} at ATM XXXX XXXX XXXX XXXX NY XXXX XXXX {$100.00} bill was rejected. At XXXX XXXX XXXX branch lobby ( XXXX AM ) : Attempted deposit of rejected {$100.00} at XXXX lobby ATMs. Each displayed " can not dispense cash at this time '' ( post-midnight restriction verbally confirmed by Chase staff ), then prompted " withdraw the {$1000.00} now? '' I declined every time. No cash dispensed ; no receipt/text/email/app confirmation of withdrawal. {$1000.00} was debited anyway. Reported as malfunction. Branch staff ( XXXX XXXX XXXX ) confirmed lobby ATMs were erratic/malfunctioning that morning and throughhout the day of XXXX. Chase claims case # XXXX denied quickly. Executive case # XXXX denied multiple times ( latest XX/XX/year> call from XXXX ). Chase has failed to comply with Regulation E ( 12 CFR 1005.11 ), refusing to investigate properly, including review of ATM/lobby video ( XXXX AM XX/XX/XXXX ) and Electronic Journal ( XXXX XXXX logs ( which should show DECLINE, no Dispense command ). New developments since original filing : The subject Chase ATMs have been physically removed and replaced. Attached photos show the removal. This constitutes spoliation of critical evidence ( video footage and EJ logs ) that would prove no cash was dispensed and no withdrawal occurred. XXXX claims department now disavows responsibility, stating XXXX maintains the machines, controls the logs, and is responsible for the {$1000.00} loss. This is incorrectChase, as the financial institution, bears full responsibility under Regulation E and can not shift liability to a third-party servicer. These actions further violate Regulation E and constitute unfair/deceptive practices. Harm : {$1000.00} direct loss + significant time/stress. I am divesting from Chase. Prior/related filings : CFPB XXXX ( XXXX ), XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), FTC ( XXXX ). Requested resolution : Immediate reversal/credit of {$1000.00} debit + fees. Investigation into spoliation of ATM evidence and improper blame-shifting to XXXX. Written confirmation of Regulation E compliance. Attachments : ATM removal photos ( XX/XX/year> ), app screenshots ( {$1000.00} pending/posted ), XX/XX/XXXX rejection receipts, denial letters, technical demand, DCWP referral, FTC confirmation XXXX prior correspondence. Available for any additional information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint about Bank of Americas handling of my credit card dispute for a XXXX hotel charge. I purchased a hotel reservation through XXXX for XXXX XXXX by XXXX on XX/XX/year> for {$5900.00}. The room category purchased was an XXXX XXXX XXXX. When I arrived at the hotel on XX/XX/year>, I was told the reservation was for a lower category room, a XXXX XXXX XXXX room, and that the XXXX XXXX XXXX was not available. I contacted XXXX on XX/XX/year> and again on XX/XX/year> and asked them to correct the room category. XXXX did not provide the booked room category. Instead, XXXX offered only a partial refund or cancellation. I completed the stay only because I needed lodging and had no reasonable alternative, but I did not receive the room category I purchased. I then disputed the credit card charge with Bank of America. My dispute was based on the fact that the service delivered was materially different from the service purchased. I paid for an XXXX XXXX XXXX but received a lower room category. Bank of America denied the dispute. In its denial letter, Bank of America stated that it could not confirm that I canceled the charge with the merchant and did not receive cancellation information. Cancellation was not the basis of my dispute. I was not claiming that no lodging was provided. I was claiming that the room category delivered was materially different from the room category purchased. After the denial, I contacted Bank of America again and explained that this was not a cancellation dispute and not a claim that no services were rendered. I explained that the issue was that I received a lower room category than the one purchased. Bank of America maintained its position and stated that services were rendered. I am requesting that Bank of America conduct a fair review of the actual dispute issue : whether the room category delivered matched the room category purchased. I also request that Bank of America stop relying on cancellation-based reasoning for a dispute that concerns materially different services received.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following account listed on my credit report. Creditor : CDR Genesis Original Creditor : XXXX XXXX XXXX Account Number : XXXX This account is being reported as a collection and charged-off debt. I dispute the accuracy and completeness of this listing. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you conduct a reasonable investigation and verify the following : 1. The original signed contract bearing my signature 2. Complete chain of assignment showing how CDR Genesis obtained this account XXXX. The original account balance and full payment history XXXX. Proof that the debt is legally collectible and within the statute of limitations If you can not verify this information with competent evidence, the account must be deleted from my credit file pursuant to FCRA 1681i ( a ). Please send me written confirmation of the results of your investigation. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$8000.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I sent a written debt validation request to Debt Recovery Solutions , LLC regarding account number XXXX. In that letter, I requested full validation of the alleged debt, including a signed agreement, payment history, and proof of their authority to collect. To date, I have received no response to this validation request. At the same time, I disputed this account with the consumer reporting agencies. Despite the lack of any validation provided to me, the account was verified by the furnisher. This raises serious concerns regarding compliance with federal law : 1. Under FDCPA 1692g ( b ), a debt collector must cease collection activity until validation is provided. Continued reporting of a debt to consumer reporting agencies constitutes collection activity. 2. Under FCRA 1681s-2 ( b ), the furnisher is required to conduct a reasonable investigation upon receiving notice of a dispute. Verifying a debt without providing any supporting documentation suggests that no reasonable investigation was conducted. XXXX. I have requested the method of verification from the credit bureaus, and I am awaiting their responses. I am requesting the following resolution : * Immediate deletion of this account from all consumer reporting agencies; * Written confirmation of deletion ; * Documentation of the investigation conducted, including all materials reviewed. If the furnisher is unable to provide competent evidence of the debt, continued reporting is inaccurate and must cease. I reserve all rights under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

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 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity fraud Transunion has removed these accounts and placed them back on to my credit profile. i have submitted paperwork inducing my identity theft report. i have never opened these account and these fraudulent accounts have missed up my credit score almost XXXX points please help me i have 10 address and 8 phone numbers that are linked to fraud on my report i have attached a new report today to help in my resolution of this fraudulent accounts.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. 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 non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: MI

Complaint narrative:
A US Bank credit card with my name on it but signed by my ex-husband was found in his wallet by our son when he passed in XX/XX/XXXX. This credit card found in his wallet still had the US bank activation sticker on it. When I was given this information I ran my credit report only to find out this credit card appears on my credit report. I had an excellent credit score and never realized this card was showing as mine. In XX/XX/XXXX my credit score came down significantly as it now showed that I was late in paying this debt of approximately {$15000.00}. I sent a certified letter to US bank back on XX/XX/XXXX ( will attach ) but did not receive a response so I sent a fax on XX/XX/XXXX ( attached ) I finally received at the beginning of XXXX a letter from US Bank dated XXXX XXXX ( attached ) which basically maintains that I owe this debt even though they have not provided proof that i requested or received this credit card in question. I sent another fax today, XX/XX/XXXX with a photocopy of their letter denying responsiblity. ( attached )

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Requested XXXX. The name and address of the original creditor XXXX. The full account number associated with the alleged debt XXXX. A complete accounting of the alleged debt, including principal, interest, fees, and charges XXXX. Documentation bearing my signature showing I have a legal obligation to pay this debt XXXX. Proof that you are legally authorized to collect on this debt in my state Also, asked to stop calling me numerous of times. Also tried disputing this off my credit report

Company response to consumer: Closed with non-monetary relief