vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 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: OH

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SERV/XXXX - XXXXXXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
I entered a rental-purchase / lease-to-own agreement through American First Finance for furniture from XXXX XXXX XXXX Agreement # XXXX XXXX XXXX The merchandise has NOT been delivered. Before delivery I notified BOTH companies in writing that I am cancelling the transaction and I do not authorize delivery. XXXX XXXX responded that their store policy is no returns. American First Finance stated they would review the cancellation in 4872 hours but has not confirmed cancellation. Because the merchandise was never delivered, this lease should not activate. I dispute any attempt to enforce or continue this agreement. I am requesting the following resolution : 1. Immediate cancellation of Agreement # XXXX XXXX. Confirmation the account is closed with a zero balance 3. Confirmation that no payments will be drafted 4. Confirmation that no negative credit reporting will occur 5. Confirmation that the merchant will not deliver the merchandise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Green Square Company LLC.
State: VA

Complaint narrative:
This number called the spouse of a family member that I don't even know the number for. They left a message stating I need to return the call today but didn't say why it what it is in regards to. The number I was told to call is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
Mr. Cooper 's site has been down for weeks with no ability to access our mortgage. We can not make payments or retrieve our Form 1098 so we can file our taxes. That is a big problem! We've been calling for weeks and each time they say the system outage will be resolved within 48-72 hours. This is not acceptable. They need to fix their system issues so consumers can access their accounts to make payments and retrieve important information and documentation. My husband has spoken to a representative and been personally assured they would resolve it ( but they haven't ) ; he has called multiple times the week of XX/XX/year> and XX/XX/year>. Additionally, as of today their auto message when you call even says " We are aware that some customers may not be able to access their account online and we expect this issue to be resolved in the next 48-72 hours '' so this is a widespread issue. I looked online to see how many others were being impacted by this and it appears to be an ongoing issue with the servicer - there are online complaints and comments about this very issue from 2 months, 7 months ago, 2 years ago, etc. We need to file our taxes. This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I authorized a one time payment from merchant XXXX to debit my account {$340.00} for an annual filing submission. I received an email and documentation for this purchase ( attached ). I did not authorize recurring debits. I noticed a charge from the merchant on XX/XX/XXXX for {$340.00} which I did not authorize nor did I receive any documentation for. I reached out to the merchant several times via email as there is no other way to connect and have yet to hear back. My last email was sent on XX/XX/XXXX formally requesting that no ACH withdraws occur and asking for a refund for the unauthorized debit that was taken on XX/XX/XXXX ( attached ). The merchant is unresponsive. I filed a claim with Chase XX/XX/XXXX. I completed a disputed transaction questionaire and uploaded this into the Chase portal explaining that " I did not authorize this company to initiate recurring ACH debits ''. My claim was denied however Chase has yet to provide any proof of authorization showing that the merchant was able to make a recurring ACH debit. On XX/XX/XXXX I requested proof of authorization from Chase bank again. The recurring withdrawals exceed the scope of authorization and constitute unauthorized electronic fund transfers under Regulation E ( 12 CFR 1005 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
CFPB Complaint Statement On XX/XX/year>, I sent a debt validation request by certified mail to the collection agency I.C. System, Inc. at : XXXX XXXX XXXX XXXX XXXX, MN XXXX The letter was sent regarding a collection account that appeared on my credit report for : XXXX XXXX XXXX. Account ending : XXXX Amount : {$4200.00} In my certified letter I formally disputed the debt and requested validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In that request, I asked the collection agency to provide the following documentation : The name and address of the original creditor The original account number An itemized breakdown of the amount owed, including any interest or fees added Documentation proving I am legally obligated to pay, such as the original contract with my signature The date the original creditor considered the account delinquent I also clearly stated that collection activity must stop until the debt is validated, and that if the debt had been reported to any credit reporting agencies it must be marked as disputed or removed immediately. The letter was sent via certified mail, which provides proof of delivery. As of today, I have received no response, no documentation, and no validation of the alleged debt, even though the request was sent properly and the collector had sufficient time to respond. Despite my lawful request for validation, the collection account continues to appear on my credit report. Because the debt has not been validated, continued reporting of this account may violate both the Fair Debt Collection Practices Act and the * * Fair Credit Reporting Act. Additionally, if the collector is reporting this account to credit reporting agencies without possessing documentation to validate the debt, the information being reported may be inaccurate or unverifiable, which is prohibited under federal consumer protection laws. I am requesting that this matter be investigated and that the collection account be removed from my credit report unless the collector can properly validate the debt as required 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 2026-03-06 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: TN

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
My credit was pulled and I found a collection item on my credit report that I was not aware of. I immediately called the credit card company about the item which appeared to be from an account I had opened in XXXX. This account I had paid off later in XXXX. The credit card company I have a new account with now. When I called them they could only find my new account and could not find any prior active, non-active or collection account. I informed them it was reporting on my credit and I wanted it removed especially since it was never in collection as I had paid the account in full in late XXXX. When i requested to be connected with someone who could get to the bottom of this issued they disconnected the phone call. To this date I have not been able to get resolution on this matter because Care Credit does not even show they have a collection account on me. I am in the process of purchasing a home and this collection items is impacting my credit score.

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 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Two Capital One Credit cards with limits around {$3000.00} were created in my old name. They were paid regularly and eventually closed. I did not authorize these cards, nor was I informed about. I also have fraudulent social security numbers created on my FBI criminal history file. Errors in my birth year, different spellings in my names, false telephone numbers created, XXXX XXXX address and home addresses created using my identity that are not accurate nor to my knowledge located on my credit reports with the three major credit bureaus. XXXX, XXXX, and XXXX. The two Capital One Credit cards are dated back approximately 10-15 years ago. I had telephone calls from the company at my mothers home in XXXX, Arizona while on military leave approximately 15-20 years ago, they asked for me about a debt that was to be collected on a card. My mother had no knowledge of the card, when I asked her about it. I do not no how they found her telephone number to locate me I was stationed in XXXX and was from Michigan. This was my family 's new place of residence at the time. We no longer are in communication and I believe I am a victim of identity theft and fraud. I filed a police report in Michigan at the XXXX XXXX XXXX XXXX about 6 years ago for identity theft regarding these cards and never heard anything back. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 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: AL

Complaint narrative:
I am filing this complaint regarding an account being reported on my credit report by LVNV Funding LLC for the amount of {$4700.00}. I have no knowledge of this account and I have never entered into any agreement, contract, or financial obligation with LVNV Funding LLC. I have not signed any documents, nor have I provided my Social Security number or personal information to this company for the purpose of opening any account. This account appears to be unauthorized and inaccurately reported on my credit file. Because of this, it is negatively impacting my credit. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Immediate investigation of this account 2. Full validation of the alleged debt, including any documentation bearing my signature 3. Proof that I authorized this account 4. Immediate removal of this account from my credit report if proper verification can not be provided. If LVNV Funding LLC can not provide signed documentation proving I opened or authorized this account, this tradeline must be deleted from all credit reporting agencies immediately. Please provide written confirmation of the investigation results and confirmation of deletion. Thank you. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I was enrolled in the XXXX repayment plan and was repeatedly urged by my loan servicer to select a new repayment plan due to the anticipated discontinuation of XXXX. In XX/XX/XXXX, I was given an initial deadline to switch plans. That deadline was then pushed to XX/XX/XXXX, at which point I was told a legislative decision would be made. I was subsequently informed that XXXX would be discontinued by XX/XX/XXXX and replaced by the new Repayment Assistance Plan ( RAP ). Under the pressure of these repeated communications and shifting deadlines, I applied for the XXXX plan in early XX/XX/XXXX and was assigned a monthly payment higher than I can reasonably afford. I have since learned that the XXXX forbearance has been extended through XXXX. Had I remained on XXXX, I would have continued under forbearance with {$0.00} payments for two additional years payments that may have counted toward my forgiveness timeline. Instead, I was effectively pushed into a new plan prematurely, resulting in a higher monthly payment I am struggling to meet and the loss of forbearance protections I was entitled to. I did not switch plans voluntarily or with full information. I switched because I was led to believe I had no other option and that time was running out. The goalposts moved repeatedly, and I acted in good faith based on the guidance I received. I am now worse off financially than if I had done nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Validation of Debt Request - 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 explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Please see attached document to show that {$270.00} is still owed back to us as we paid this amount ahead of receiving our special ordered couch because this amount was not part of the 0 % financing that the furniture store had a promotion on. Although the credit card company has shown a {$0.00} amount in the balance on the card, the balance should show a negative of {$270.00} based on what totals we have paid out in advance of receiving a couch we never received because it was on special order and then the company subsequently filed for bankruptcy before the couch could even arrive. Simple math will show what amounts have been paid into the card and holding on to increments of our money for months on end under the guise of a dispute is utter ludicrous and insensitive to people who work hard for their money and expect a product they purchased to be fulfilled on the transaction and agreement made by the merchant and the customer. The attachment showing an email regarding the remaining amount due totaling {$270.00} from the full amount of {$730.00} is not yet resolved because only a portion of it was refunded which was the check issued back to us in the amount of {$460.00}. This communication shows that it is an email that was sent as a document to the credit card company because their system does not allow and had computer glitches on any comments on attachments being uploaded. So the actual comments. The screenshots showing amounts due would need to also be in the form of an attachment so that full communication can be achieved. This prompted us to open two disputes with the credit card company because only a portion of the refund due back to us has been issued. What has been resolved in the first dispute? Is a portion of the refund issued and the balance showing XXXX owed. But they would be holding money that belongs to us because we overpaid {$270.00} for something we never received and were anticipating staying on top of payments by paying early. Both my wife and I communicated via phone, email, chat, dispute through the credit card application only to still not have a full resolution.

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 2026-03-06 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: NY

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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Wells Fargo is improperly calculating my principal and interest charges on my auto loan, resulting in a higher amount paid over time than loan terms specify.

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