vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: CA

Complaint narrative:
I received a letter from Vicking Client Services stating that they were representing XXXX from an accident claim. They were stating that the claim was for {$6300.00}. That my insurance only paid a partial so I owe {$2300.00}. So of course I call my insurance company. They stated that the claim was paid and cashed by XXXX. The claim amount was {$2400.00}. So this is when I figured out that this was a fraudulent act from the collection company. None of the amounts meshed and it did not make sense. Especially when the lady from the collection agency said that the insurance only pays up to my deductible. Funny because that's only {$100.00}. She had no comment for that. Apparently after learning all this I googled this company to find that they have already been sued for this exact fraudulent act once. I guess they haven't learned or haven't paid out enough for them to stop!! This is wrong to pray on people. I was soo mad thinking my credit was going to be impacted, spent my lunch and after work calling people to find out it was all fraud. I'm sending a copy to my insurance! Someone is going to have to be responsible for this. The lady wasn't even helpful or responsive. Bad company, my question is ... How are they getting people 's information from XXXX claims??? Is it an inside job? Are they sell people 's information?. What's really going on?

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: NY

Complaint narrative:
Jefferson Capital LLC RE : Formal Dispute of Alleged Debt Identity Theft To Whom It May Concern, I am writing to formally dispute the above-referenced account. I do not recognize this debt, I did not authorize it, and I am not responsible for it. This account is the result of identity theft.

This letter constitutes my formal notice of dispute under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). You are required to cease all collection activity unless and until you provide competent, verifiable proof that I am legally obligated for this alleged debt.

For clarity : I did not open this account I did not authorize any charges I did not benefit from this alleged debt Additionally, I have been continuously enrolled in a XXXX XXXX service plan for over one year, which contradicts any claim that I opened or used a separate account associated with this debt. Any use of my personal information for this account was unauthorized and fraudulent.

I demand the following : 1. Full validation of the alleged debt, including the identity of the original creditor, a complete account history, copies of any signed agreements or applications, and proof of your legal authority to collect.

2. Immediate deletion of this account from all credit reporting agencies if such validation can not be produced.

3. Written confirmation that the account has been closed and that all collection efforts have ceased.

If this account has been furnished to any credit reporting agency, you are now on notice that the information is inaccurate and disputed due to identity theft. Continued reporting or collection without proper validation may constitute willful noncompliance with federal law.

All future communication must be in writing only. Telephone contact is not authorized.

I do not want to have to get my lawyer involved.

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: OR

Complaint narrative:
Tried to pay the amount owed of {$400.00} but was told they got a lawyer involved so now its {$1000.00} or they'll sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pollack & Rosen, P.A.
State: IN

Complaint narrative:
XXXX'On approximately XXXX XXXX XXXX I received a text regarding a debt I owed from Pollack and Rosen. I called the number they left XXXX XXXX and spoke to someone that said I had a debt for collections from XXXX for a little over a XXXX. I explained that I do not have a sellers XXXX  account and that wasnt my debt. The operator repeated over and over that I knew what the debt was for and I needed to pay it. Ive never received any mail both post or email regarding the debt. I called XXXX later and they confirmed that I do not have a sellers account. And suggested it was a scam and I blocked the number. They continue to call me and leave messages.'

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 is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FCRA Violations Inaccurate and Unverifiable Personal Information ( 15 U.S.C. 1681 ( c ) ( 2 ) ) Product : Credit reporting IssuSubject e : Incorrect information on credit report / Personal information error Company : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

What happened? 

I am disputing inaccurate, unverifiable, and improperly maintained personal information appearing on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681 ( c ) ( 2 ) and 1681e ( b ). 

The following accounts are being reported under my personal identifying information without proper verification of accuracy, completeness, or lawful reporting authority : Charge-Off Accounts Account ending XXXX ( Opened XX/XX/XXXX ) Account ending XXXX ( Opened XX/XX/XXXX ) Additional Accounts Reported as Pays As Agreed ( Personal Information ) : Accounts ending XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Under the FCRA, all personal information must meet the standard of maximum possible accuracy and be verifiable upon dispute. These accounts continue to be reported without proper verification. 

Pursuant to 15 U.S.C. 1681 ( c ) ( 2 ), disputed information that can not be verified may not be reinserted or continued without certification of accuracy and notice to the consumer. No such certification has been provided.

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: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
A third-party debt collector, Aldous & Associates P.L.L.C. , is attempting to collect an alleged gym membership debt originally associated with XXXX XXXX XXXX in the amount of approximately {$150.00}. I dispute that this debt is owed. 
The collector failed to provide a proper validation notice as required by Regulation F ( 12 CFR 1006.34 ) and has not provided competent evidence that it has authority to collect this debt. Specifically, the collector has not provided a complete copy of any executed contract, proof of assignment or chain of title showing transfer of my specific account, or a clear itemized accounting explaining how the amount claimed was calculated.

I formally disputed this debt and demanded validation and cessation of collection activity in writing. Despite this dispute, the collector has continued collection activity without first providing the required validation.

I am requesting that the collector be required to either provide proper validation and proof of authority to collect, or cease all collection activity and remove any related credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
A collection account is being reported by Radius Global Solutions for an alleged debt I do not owe. I never entered into a contract, agreement, or authorized any account giving rise to this debt. I disputed the account and requested validation, but no signed agreement or proof of liability has been provided. Despite this, the account continues to be reported, causing credit harm. Continued collection and reporting without validation violates the FDCPA and 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 non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: DE

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter is a formal dispute of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide proper validation of this alleged debt, including but not limited to the following : XXXX. Proof that you are the original creditor, or legal documentation establishing your authority to collect this debt if you are acting on behalf of the original creditor. 
XXXX. A copy of the original signed contract or agreement bearing my signature that demonstrates I have a legal obligation to pay this debt. 
XXXX. A complete accounting of the alleged debt, including the original amount, any interest, fees, or charges added, and the date the debt was incurred. 
XXXX. Documentation showing that this debt has not passed the applicable statute of limitations. 

Until such validation is provided, please cease all collection activities related to this account, including reporting or continuing to report this debt to any credit reporting agencies. 

This letter is not a refusal to pay, but a request for verification of the alleged debt. Any attempt to collect without providing the requested documentation may constitute a violation of the FDCPA. 

Please respond in writing only. Thank you for your cooperation. 

Sincerely yours XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I am in current status with solar servicing. The company had someone bring a Private & Confid ential letter to my home. The letter was not sealed and it was left at my door for anyone to open and read which was done and my private information is now known by others.

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: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
I am a 100 % XXXX veteran rebuilding my credit. I opened this XXXX account ( managed by Atlanticus Services Corporation ) to practice responsible financial habits. Despite maintaining a perfect payment history and making multiple payments a month to keep my balance low, my account was abruptly deactivated without explanation. 

Crucially, the company repeatedly encouraged me to enroll in their " Overlimit Coverage Amount '' service. I recently did so and was charged a {$70.00} fee for this protection, as evidenced by my account summary showing an " Overlimit Coverage Amount '' of {$70.00} despite my Available Credit being {$0.00}. It is deceptive and predatory to solicit and charge a veteran for an add-on service, only to permanently close the account immediately after the fee is applied. This practice suggests the company is focused on fee harvesting rather than assisting consumers with credit rebuilding. 

My attached account summary clearly shows that while my credit limit is only {$700.00}, my 'Total This Period ' usage was {$1600.00}. This provides undeniable proof that I was using the card heavily and paying the balance off in full multiple times a month to stay within my limit. Despite this high level of engagement and perfect payment history, the company chose to deactivate my account immediately after charging me a {$70.00} fee for overlimit protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Onward about XX/XX/year> I sent a certified mail Debt validation to Tran world system in XXXX XXXX Illinois. The account number was XXXX. I asked him for the original purchase agreement that shows that they legally own dislodge debt and complete chain of title and LEGAL transfer of the ledge Debt documentation showing that they authorize to collect is dead in the state and that they license and bonded a full itemize account last payment And the amount that they pay for this alleged death. I asked did they return this information to me within 30 days they received my certified mail on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Subject : Dispute of Inaccurate Reporting, Failure to Credit Payments, and Illegal Re-aging I am filing this complaint against LVNV Funding and its management company, Resurgent Capital Services, for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

1. Failure to Credit Payments & Inaccurate Balance The respondent is attempting to collect an alleged debt of {$470.00} originating from XXXX  XXXX. However, I have a written verification of a payment in the amount of {$260.00} made on XX/XX/XXXX, to XXXX XXXX XXXX ( acting on behalf of LVNV ). This payment has never been reflected in the balance being reported or collected. Despite this proof, LVNV and its current agent, XXXX XXXX, continue to demand an inflated and inaccurate amount. 

2. Illegal Re-aging of Debt The respondent is reporting fraudulent " date opened '' information to the credit bureaus. While this alleged account dates back years, LVNV is currently reporting the account as being " opened '' in XX/XX/XXXX and " reopened '' in XX/XX/XXXX. This is a blatant attempt to " re-age '' a debt to keep it on my credit report longer than the legally allowed seven-year period. This is a direct violation of the FCRA. 

3. Continued Collection Without Verification I have previously notified the debt collectors ( XXXX XXXX ) that this debt is disputed and demanded verification. Instead of providing the required validation documents ( including an accounting of the {$260.00} payment ), the debt was moved to XXXX XXXX, which continues to harass me via email. Under the FDCPA, a collector must cease communication until verification is provided. 

4. Inconsistent Reporting Across Bureaus It should be noted that upon investigation of these inaccuracies, XXXX  has already deleted this trade line from my credit profile. However, XXXX  and XXXX  continue to report this false information provided by LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
I am an autistic adult and applied for a XXXX mortgage with Rocket Mortgage in XX/XX/year>. At the time of my application, my XXXX XXXX was documented very high as XXXX. It took me a little over XXXX years to fix my credit and get my XXXX XXXX to that. I was so tired of renting outhouses or tiny shacks in back of people 's houses so I tried very very hard to raise my XXXX XXXX. Also, interest rates for applicants with a XXXX XXXX and no debt like me got the best interest rate at that time which was 6.0 % Despite my strong credit profile, Rocket Mortgage issued my loan with an interest rate of 7.875 %, which was significantly higher than prevailing market rates and inconsistent with the credit qualifications I was told I met. Rocket Mortgage did not provide a clear, written explanation for why my XXXX XXXX, lack of debt, and financial qualifications were not honored in determining my interest rate. Please help me. I feel that autistic people like me are always being taken advantage of for employee or company gain and that is not fair. I am a single income earner too and I can't even buy groceries because this ridiculous payment is about 75 % of my income. XXXX XXXX gave me a XXXX full points higher rate then I qualified for, if you do the math, they robbed me of approx {$300000.00} of that I will have to pay in interest. 

As an autistic adult, I rely on clear, written explanations of material financial terms. I believe Rocket Mortgage failed to explain or disclose why I was placed into a higher-cost loan than I reasonably qualified for, and I was not given a meaningful opportunity to understand or challenge the pricing decision before the loan terms were finalized. I know have a {$3000.00} mortgage payment and only {$200.00} goes to principal. In XXXX  months I paid almost {$20000.00} in interest alone. My home is only worth XXXX and I pay a monthly mortgage payment of people who have mortgages on XXXX XXXX dollar homes. 

I believe this conduct constitutes unfair, deceptive, or abusive acts or practices, including taking advantage of a borrowers inability to fully understand complex financial terms and failing to provide transparent explanations for material loan pricing decisions.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
Process my payment weeks after getting payment not removing fees that were not due because they left a charge on card for 8 months I saw it was still on the card 8 months later and interest charges. Faking late payment

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 is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC XXXX Resurgent Capital Services is reporting a debt I never authorized. 
I never signed any contract or agreement with them. 
They are reporting as a debt buyer without providing valid proof. LVNV : Must stop reporting if they cant validate No signed contract = mandatory deletion A debt buyer is reporting a collection account that is not mine. I never signed any contract or agreement. I disputed with the credit bureau and requested validation. The company is reporting without providing documentation or proof of ownership. I am requesting deletion and written confirmation. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
My account credit report has been doubled debted for the same thing. I had a bill from tmobile that the sold to the jefferson capital systems. It showed up on my account in XXXX. Now as of yesterday its been reported to my credit a second time. Now i have the same delinquency on my credit twice. It is not legal for them to report the same thing twice. So i am asking for it to be removed asap at it dropped my credit XXXX points for something that shouldnt have been reported again.

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Meta Payments Inc.
State: TX

Complaint narrative:
I was repeatedly overcharged by Meta XXXX XXXX Ads ) for advertising charges that do not match my authorized ad spend and were tied to an advertising account I do not have access to. 

Beginning in XX/XX/year>, my XXXX  XXXX XXXX XXXX XXXX was charged repeatedly by Meta under various transaction IDs and billing descriptors.

I contacted Meta support numerous times through chat and spent over an hour on the phone with Meta support. During that phone call, Meta explicitly told me that some of the charges were coming from an advertising account that I do not have access to and did not authorize. Meta did not provide me with an account ID for this unknown account and was unable to remove my payment method or stop the charges.

Meta support refused to allow me to upload bank statements or documentation directly through chat and repeatedly routed me through automated support. My support cases were closed without resolving the billing errors or providing reimbursement. 

I then contacted XXXX  XXXX XXXX to stop the charges. XXXX  XXXX XXXX informed me that because I have previously conducted legitimate business with Meta, they could not proactively block Meta from charging my card and that the issue would need to be handled through disputes after charges posted.

As a result, charges continued despite my attempts to stop them. The total overcharged amount is approximately {$2500.00}. This has caused financial hardship. I am an XXXX XXXXXXXX XXXX XXXX XXXX XXXX and due to a recent military pay correction, my most recent paycheck was reduced to approximately {$500.00}. The unauthorized Meta charges significantly increased my credit utilization and left me scraping by financially.

Company response to consumer: Closed with explanation