vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing this second complaint because Caine & Weiner still has not provided any validation of the alleged {$340.00} debt despite stating in their prior CFPB response that they would mail the consumer verification. To date, no verification has been received. Instead, the company continues to report XXXX collection accounts for the same alleged debt under different account numbers, which remains an unresolved duplication error. 
Caine & Weiner has still failed to provide : An itemized accounting of the debt Proof of ownership or assignment Chain of custody A copy of any contract or agreement Documentation showing how the balance was calculated Simply claiming the information is accurate without producing documentation does not satisfy FDCPA or FCRA requirements. The statutory validation period has expired, yet the company continues reporting and maintaining duplicate collection accounts without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: FL

Complaint narrative:
JEFFERSON is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON is 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 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I want to stay anonymous so please dont release my information to the other party or to thier bank I need to report a scammer and a fraudster she is doing scams and scamming and fraud and doing fraudulent stuff and her name is XXXX XXXX and phone number is XXXX she need to be investigated and punishment she might be using different names not her real name and yall need to verify for her real name and documents by Zelle XXXX process and by bank verification process and banned her and terminated and restricted her Zelle and suspended and permanently end yall Zelle service relationship with her and and send the investigation decision to her bank account so they can do the same by investigating her account and restrict it or suspend and terminate her bank relationship service with them and close her account out and out a hold on her bank account and Zelle and banned or restricted her Zelle token so she cant use her Zelle no more or use her bank account no more until investigation is over and have the bank verified her for her real name and do a verification process on her asking for documents to verify for her real name etc and tell them bank to keep me anonymous too etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a new complaint regarding continued credit reporting and misleading debt validation after a failed and incomplete verification process. 
The debt collector, XXXX XXXX XXXX XXXX, continues to furnish and verify information to TransUnion without providing legally sufficient verification of the alleged debt. The only document provided was a generic account validation letter that does not include : A copy of any contract bearing my signature A complete itemized accounting ledger Proof of ownership or authority to collect the alleged debt Proof t

hat the alleged debt is legally mine This fails to meet the requirements of FDCPA 809 ( b ) and constitutes a misleading representation under FDCPA 807. Additionally, TransUnion verified the account as accurate despite the absence of competent evidence, violating its duty under FCRA 611 ( a ) to conduct a reasonable reinvestigation and FCRA 1681e ( b ) to ensure maximum possible accuracy. 
This conduct is especially concerning because the same account was deleted by XXXX due to lack of validation, demonstrating that the information is not reliably verifiable. 
Continued reporting of an unverified debt after notice of dispute constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ).

I am requesting immediate deletion, not correction, as the information can not be lawfully verified.

Supporting documentation, including dispute results and the insufficient validation letter, is attached.

This complaint addresses new and ongoing violations, not previously resolved, and involves continued harm from inaccurate and misleading credit reporting.

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 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In response to this situation, I have filed a formal complaint with the FTC and I am attaching the corresponding report ( Report Number : XXXX ). Pursuant to Section XXXX of the FCRA ( XXXX U.S.C. Section XXXX ), once a consumer provides an FTC report, you are required to block and remove the disputed information within XXXX ( XXXX ) business days, unless you can provide clear documentation proving that I expressly authorized such information. I also cite XXXX U.S.C. Section XXXX, which addresses permissible purposes and clearly states that for any person or institution to access my credit report, I must provide authorization. The fact is that I never gave my authorization for these accounts to be reported, which constitutes a violation of the law. 
Section XXXX ( b ) of the FCRA ( XXXX U.S.C. Section XXXX ( b ) ) requires you to follow reasonable procedures to ensure maximum possible accuracy of consumer files. This account is not only being reported without my consent but also contains numerous inaccuracies. The law is also clear on this matter : credit bureaus are obligated to report accounts with maximum possible accuracy. Therefore, you are not only reporting accounts without my consent but also doing so inaccurately and with many errors, which means I am being doubly harmed. 
Additionally, Section XXXX of the FCRA ( XXXX U.S.C. Section XXXX ) requires you to conduct a reasonable reinvestigation of any information disputed by a consumer. 
And " reasonable '' means obtaining concrete evidence that I authorized this reporting, such as a signed application, authenticated records, or any document that directly links my consent. Furthermore, Section XXXX ( a ) ( XXXX ) ( A ) clearly states : " If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer ... '' This means that after you conduct your investigation and fail to corroborate, first, that I consented to having these accounts reported, and second, that you can not correct the inaccuracies these accounts may contain, then said accounts must be immediately removed from my credit report.

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 2026-01-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Account # XXXX is say {$1400.00} I don't borrow this amount can you please double check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
I requested medical hardship assistance from 1st Franklin Finance Company beginning in XXXX and XX/XX/XXXX, when my account was only one payment or a few weeks past due. I explained to multiple agents that I had been hospitalized and was dealing with ongoing medical conditions and requested payment accommodations or hardship assistance. 

Despite repeated requests, 1st Franklin stated that they could not help me and failed to conduct any good-faith hardship review. Instead, they continued aggressive collection activity while my hardship requests were ongoing. 

This included repeated collection calls during the hardship period, a documented call on XX/XX/XXXX, and a call placed on XX/XX/XXXX at XXXXXXXX XXXX which was outside of the lenders normal business hours. I also attempted to contact the lender before the XXXX XXXX and again after receiving voicemail messages, but I was unable to reach anyone. 

On XX/XX/XXXX, I spoke directly with a 1st Franklin representative for approximately 14 minutes and again requested medical hardship assistance. No assistance was provided, and no hardship review was performed. 

On XX/XX/XXXX, 1st Franklin issued a Notice of Acceleration demanding the full balance and threatening legal action, even though the account was under active medical hardship and dispute. On XX/XX/XXXX, I was served with a small claims court notice in XXXX XXXX, South Carolina. 

I believe 1st Franklin engaged in bad-faith servicing, harassment, and unfair collection practices by refusing to review medical hardship, continuing excessive and after-hours calls, and accelerating the loan while the account was in dispute.

I am requesting that 1st Franklin be required to : 1 ) Conduct a proper medical hardship review, 2 ) Cease all unlawful collection activity, 3 ) Reverse the loan acceleration, 4 ) Provide full account records, call logs, and hardship documentation, 5 ) Resolve this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing regarding a XXXX auto loan with Santander Consumer USA that resulted in a repossession. This loan was originated during the period identified in the XXXX XXXX Attorney General settlement as being subject to predatory 'structured to fail " underwriting practices. I believe my loan was unfairly originated without proper income verification, leading to an inevitable default. I am requesting that Santander waive any remaining deficiency balance and delete the negative tradeline from my credit reports based on these known systemic issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NV

Complaint narrative:
Nelnet , Inc. has inaccurately reported multiple 90-day delinquent payments on my student loan account despite my loans being in approved deferment and despite Nelnets failure to provide proper notice.

The alleged delinquency relates to the first required payment ever due, not a pattern of missed payments. During the entire period of the alleged delinquency, Nelnet maintained an incorrect mailing address on my account, which resulted in me never receiving any billing statements, delinquency notices, or warnings. 

I was unaware of any payment obligation until I contacted Nelnet directly. At that time, I corrected my address, immediately enrolled in a repayment plan, and have maintained perfect payment history since. 

Despite submitting multiple disputes and appeals, Nelnet has refused to correct the inaccurate reporting and has not conducted a reasonable investigation. Nelnet continues to furnish incorrect 90-day late payment data to credit reporting agencies, causing significant harm to my creditworthiness.

Nelnets actions appear to violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the duty to report accurate information and to reasonably investigate disputed information. Reporting severe delinquencies without proper notice, while the account was in deferment and while correspondence was sent to the wrong address, is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I am filing a complaint against Vance and Huffman for an unlawful debt collection and inaccurate credit reporting. Vance and Huffman is attempting to collect an alleged debt that they have not proven they own or have authority to collect, in violation of FDCPA 15 U.S 1692. I disputes the debt and requested validation, but Vance and Huffman failed to provide proper validation as required under FDCPA 1692g. Despite this, they continued collection activity and are reporting the account to consumer reporting agency without Substantiation. The information being reported is inaccurate and unveried, causing harm to my credit. I am requesting that Vance and Huffman cease collection provide proper validation and delete any inaccurate or unsupported credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am filing this complaint against PayPal for the unfair and indefinite holding of my personal funds. My account was recently permanently limited, and I have been informed that my balance will be held for 180 days.

This 180-day hold is causing me extreme and immediate financial distress. I am currently dealing with a physical injury ( leg ) that has prevented me from working, and I rely on these funds for my essential living expenses and medical recovery. PayPal is holding my money XXXX without providing a specific, valid reason or a way for me to resolve the issue immediately. 
I have provided all necessary identification and documentation, yet I am being denied access to my own capital. Holding these funds for XXXX months is an unconscionable business practice that is directly impacting my health and ability to support myself. 
Desired Resolution : I request the immediate release of my full account balance or, at minimum, an expedited review to release the funds within the next XXXX hours due to documented medical and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate and/or incomplete information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Specifically, I am disputing the charged-off account reported by XXXX XXXX XXXX XXXX account number : XXXX. I have obtained a copy of my credit report from your agency, and I believe this item is either inaccurately reported, incomplete, or unverifiable. I respectfully request that you conduct a full investigation into this account, as required by law. In accordance with the FCRA : Under Section 611 ( 15 U.S. Code 1681i ), you are obligated to investigate my dispute within 30 days of receipt. If the information can not be verified, it must be deleted from my credit report. If any correction is made, or if the item is deleted, I request that a corrected copy of my credit report be sent to me. Please also provide me with the name, address, and phone number of the entity that verified the account, if applicable. Please confirm receipt of this letter and notify me of the results of your investigation. If this charge-off can not be verified with proper documentation, I request that it be promptly removed from my credit file. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am disputing an unauthorized Affirm transaction involving identity theft and non-receipt of goods. I did not authorize this purchase, did not make the transaction, and never received the product. 

Affirm claims the transaction originated from my IP address and that the item was delivered to my home address. An IP address does not establish authorization, and delivery to an address without proof of receipt does not establish possession. 

I filed a police report documenting the fraud. Despite this, Affirm has refused to remove the balance and continues to hold me liable without providing proof that I authorized the transaction or received the goods. 

I am requesting removal of the fraudulent balance, closure of the account as identity theft, and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: StellarFinance, 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 your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
I financed a vehicle through Exeter Finance that was faulty at the time it was sold to me. Due to ongoing issues and the inability to resolve the matter, I requested a voluntary repossession in XX/XX/year>. 

Since making this request, I have contacted Exeter Finance numerous times by phone to confirm the voluntary repossession, arrange vehicle pickup, and request information about the status of my account. Despite these repeated requests, the vehicle has not been picked up, and I have not received confirmation of the repossession process or a final balance.

Exeter Finance has continued to bill me and report negative payment history to the credit bureaus even though I timely requested a voluntary repossession and made good-faith efforts to resolve the situation. I have also disputed the inaccurate reporting through credit reporting agencies.

I believe the continued billing and negative credit reporting are inaccurate and unfair given that the lender failed to act on my voluntary repossession request or provide clear information. I am requesting that Exeter Finance properly process the voluntary repossession, stop inaccurate credit reporting, and correct my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
MOHELA is inaccurately reporting that I was in bankruptcy from XX/XX/XXXX through XX/XX/XXXX. I have never filed for bankruptcy. This false bankruptcy status remains on my federal student loan account despite my submission of official documentation disproving it. The error has materially affected my Public Service Loan Forgiveness ( PSLF ) qualifying payment counts and delayed my eligibility for loan forgiveness.

Details : My MOHELA-serviced federal student loan account incorrectly reflects a bankruptcy from XX/XX/XXXX to XX/XX/XXXX. This is factually incorrect. I have never filed for bankruptcy. 

I have already submitted : A letter from the United States Bankruptcy Court confirming no bankruptcy filing under my name.

My credit report showing no bankruptcy history.

Despite providing this documentation, MOHELA has failed to remove the false bankruptcy notation. This error has caused qualifying PSLF payments to be excluded or miscounted and has delayed my ability to reach 120 qualifying payments for PSLF forgiveness.

I have contacted MOHELA and Federal Student Aid multiple times without resolution. The continued reporting of a bankruptcy that never occurred constitutes a serious servicing and data accuracy failure and has directly harmed my eligibility for a federal loan forgiveness program.

Resolution Requested : Immediate removal of the false bankruptcy status from my account Correction of all affected PSLF payment counts Written confirmation that my account records are accurate and complete Coordination with Federal Student Aid to ensure PSLF forgiveness eligibility is not further delayed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation