vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am disputing a collection account reported by Resurgent Capital Services/Resurgent Receivables LLC for LVNV Funding. XXXX investigated this account and deleted it from my credit report, but XXXX continues to report it despite the deletion. I requested full debt validation from Resurgent Capital Services/Resurgent Receivables LLC , including the original contract, chain of ownership, and itemized account balances, but they failed to provide any documentation. This violates the Fair Credit Reporting Act : XXXX. XXXX U.S.C. XXXX ( b ) Furnishers must investigate and correct inaccurate information; continuing to report this account is inconsistent and inaccurate. XXXX. XXXX U.S.C. XXXX ( a ) Credit bureaus must conduct reasonable investigations when disputes are filed ; TransUnion verified the account without supporting documentation, violating this requirement. I am requesting that Resurgent Capital Services/Resurgent Receivables LLC/LVNV update XXXX delete this account with all credit bureaus to match the verified deletion by XXXX. If verification can not be provided, the account should be removed from all reporting agencies immediately. Continuing to report unverifiable information exposes both the furnisher and the bureaus to regulatory enforcement under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: TX

Complaint narrative:
WHAT HAPPENED? This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I purchased a home with Freedom Mortgage ( XXXX ) in XXXX. XX/XX/XXXX to XX/XX/XXXX I was in forbearance, making XXXX payments while in forberance. I exited XXXX in XX/XX/XXXX and entered repayment plan of {$3000.00} instead of {$2000.00} to pay off {$12000.00} I owned during forbearance. After last payment to complete repayment plan in XX/XX/XXXX, my loan did not become current, instead XXXX claimed that I did not pay XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I provided all of the bank statements for 12 months I was in XXXX showing proof of payment. XXXX XXXX XXXX XXXX agents promised me to resolve the issue since XX/XX/XXXX. In XXXX I received notification that my loan is now in default. XXXX XXXX XXXX is not helping me resolve this issue, and everytime I call I have to restart the process of them putting in a request that is never acted on. I am 18 days away from getting foreclosure notice and XXXX XXXX agents are unwilling to help to include hanging up phoneon me.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NE

Complaint narrative:
I reached out to Chime help as my card arrived and I was unable to activate it. I kept getting an error message saying I was unable to. I reached out to support and I was never able to reach a live agent and I kept getting told the error had been resolved and it still will not allow me to activate my card despite having it arrived and my security code.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: LA

Complaint narrative:
I sent written disputes to Vance & Huffman LLC requesting validation of an alleged debt. Both letters were sent by certified mail and were received, which is confirmed by the signed green cards. The response I received did not properly validate the debt. The documents provided do not clearly identify the original creditor and do not explain the relationship between the entities referenced in the documents and the creditor name being reported on my credit report. Despite my dispute, the account continues to be reported and verified with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
My account was hacked into on XX/XX/XXXX after a few days of receiving my federal and state taxes immediately notified Cash App they told me to add an account pin to my account and i would be able to still use my account until the investigation was complete days later on XX/XX/XXXX the same thing happened again this time money was borrowed from Cash App because there was very little money in the account i reported it once again, how could this happen twice? Where is the protection where is the security how could they allow this to happen twice, this is devastating to have all my hard earned money drained from me, I tried to verify my account so that they could continue with the second dispute and they denied it and closed my account, i honestly believe that this is an inside scandal, I feel like the suspect instead of the victim

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
The first one they're automatically charge billing on my amazon store credit card {$660.00} on the date of XXXXXXXX and the other is {$370.00} on the date of XX/XX/year>XXXX this people they're killing with my credit

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We been banking with Capital One for years My wife is the primary holder she had place a dispute on mid XX/XX/XXXXXXXX with a merchant that shiped a damage product. We sent it back and no refund and kept the product. Open dispute after months Capital One Close my wife account and restricted my account in XX/XX/XXXXXXXX with {$110.00} withhold. We received a letter stating the outcome of the dispute was finalize and close.They refunded my wife account and kept my account restricted with my funds not availiable.I 've been calling everyweek to release my funds. their reps very rude giving the runaround XXXXNow we're in XX/XX/XXXXXXXX still fighting to get my cash. Capital One practise is unaceptable. Very dificult bank to do business with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX to clarify the status of my account. I confirmed that I now have an active account with them and that all XXXX XXXX equipment has been returned. Despite this, the representative I spoke with was unwilling to listen and continued to insist that I owe a bill. Consequently, I am submitting this complaint regarding an inaccurate collection account reported by Sunrise Credit Service for the amount of {$98.00}, with XXXX XXXX XXXX XXXX listed as the original creditor. I verified directly with XXXX XXXX XXXX that the equipment was returned and that the account was corrected in their system ( case number XXXX XXXXXXXX ). Nevertheless, the collection account is still being reported, and it is adversely affecting my credit history.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
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 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
The company has refused to refund the {$220.00} GAP force-placed flood insurance that they assessed despite me providing them with proof ( from my condo master flood policy ) that there was coverage during the GAP period. They have also refused to fix the incorrect allocation of payments and reverse all fees associated with the problem. They are also in violation of the loan documents by recently raising my monthly payment to collect a monthly escrow for my homeowner 's insurance policy. This is no escrow loan ( taxes and insurance and paid outside of the loan ) and has been since the inception of the loan ( with the company that they bought the loan from )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a debt that has been placed in collections. I do not believe this debt is accurate/valid.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Subject : Debt Validation Request To Whom It May Concern, I am writing in response to a collection account that you claim I owe. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692g, I dispute the validity of this debt and request that you provide proper validation before any further collection activity continues. Please provide the following : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including a complete breakdown of any interest, fees, or charges. 3. A copy of the original signed agreement or contract bearing my signature showing that I agreed to this debt. 4. Documentation showing that your company has been assigned or has the legal authority to collect this debt. 5. The date the alleged debt was incurred and the date of last payment. 6. Complete payment history and account records from the original creditor. Until you provide the requested documentation verifying this debt, you must cease collection activities as required under federal law. Additionally, if this account is being reported to any consumer reporting agencies, please note that reporting an unverified debt may constitute inaccurate reporting. If you can not provide the requested validation, I request that you cease collection efforts and remove any reference to this account from my credit report. I request that all future correspondence regarding this matter be made in writing. Sincerely, Your Printed Name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: AL

Complaint narrative:
The lender was XXXX. Now it has been turned over to a third party called Mohela. My loan is a private loan from early XXXX. In the beginning XXXX would except smaller payments. The loan was placed in deferment. I didnt hear from XXXX saying anything had changed. Years went on for a long time. Then I received an email from Mohela demanding payment. Im now XXXX XXXX XXXX on a fixed income. Mohela will not work with me at all & I dont know what to do. Can you help? Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Yamaha Motor Finance Corporation USA
State: IL

Complaint narrative:
I am submitting a complaint regarding my Yamaha Motor Finance credit card account. I contacted the company requesting a review of my current interest rate and asked if my APR could be reduced. My request was denied and I was told that Yamaha Motor Finance is not licensed to modify interest rates. This explanation is confusing because this is a revolving credit card account and credit card issuers typically have the ability to review and adjust APRs. I am requesting clarification on why my account can not be reviewed for an APR reduction and whether Yamaha Motor Finance has policies preventing interest rate adjustments for existing customers. I would like Yamaha Motor Finance to provide a written explanation of their policy and to reconsider my request for an APR review on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am disputing the account being reported by NTL Recovery for an alleged agency balance of {$2500.00}. This account does not belong to me and was opened fraudulently. My personal information was compromised during the XXXX XXXX XXXX XXXX data breaches, and it appears that my information may have been used by an unauthorized person to open or incur this debt without my knowledge or consent. I did not authorize this account, I did not enter into any agreement with NTL Recovery or the original creditor, and I have never received any goods or services related to this alleged balance. Upon discovering this account on my credit report, I immediately began disputing the account and reporting the matter as identity theft. Because this debt resulted from fraud, I request that NTL Recovery conduct a full investigation and permanently remove this account from my credit file. I also request documentation showing the original contract, application, or any records that verify I personally opened or authorized this account. If the company can not provide verified proof that I opened this account, the account should be deleted immediately as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
4 years ago, i had a chase account with {$11000.00} in it. i went to the bank to get money from the account, and they said the account doesnt exist. they asked for my account and routing number as well as my social. i provided the information and was told that the account doesnt not exist although i could still see the money in the account. till this day, it is connected to my bank and i can still see the money in the account, but the account was randomly closed after trying to pull from my hard earned money. i provided all documents in person after talking to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: FL

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOVERY A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-12 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: MI

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSOCXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CA

Complaint narrative:
My card was limited, and I couldn't use it online for XXXX purposes, because they limited it and didn't inform that they did that, and without any warning or text message or email, are sending me another card in seven to ten days without any warning, I keep trying to do my purposes and subscriptions, and they where not going though, I believe in my heart if they do this to enough people, they will charge them for a new card and it is a way to make money for them if they cancel and charge for new cards. I believe this is wrong and somebody has to change it They need better communications with their customers No other company for text drivers like

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: T.S. Holdings
State: WA

Complaint narrative:
I can data XXXX has made several threats alluding to damaged credit, asset seizure, and losing public funding for my housing. I have repeatedly tried to set up a payment arrangement, and they have repeatedly not allowed me to make a payment arrangement.They did allow me to make one singular, XXXX XXXX dollar payment. They are rude.They are abrasive when I tried to have a conversation.They hung up on me when I said I couldn't pay the full amount at that time.

Company response to consumer: Closed with explanation