vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
Validation of Debt Request - RADIUS GLOBAL SOLUTION - 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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PayPal issued a new credit card after fraud was determined. Then they didn't make the change in their system for payments. Payments would go to the old account number and I would be called saying the payments weren't made. I'd be on the phone with them for sometimes up to an hour and they would finally transfer the payment to the new credit card. They would not join the two card numbers for payments. I had an injury and used my protection account and the payments were being made from that but because PayPal didn't make the system change the payments were held up sometimes 30 days. I wasn't credited for the extra interest charges or some of the late fees because the system only allows you so many late fee credits. Sometimes the customer service rep would argue with me and not even look for the other account to transfer the funds to my new account. I would have to make a new payment. It caused major problems with fees and interest to my account. I tried to explain that to the Representative but they didn't know how to fix those types of issues. They'd put me on hold and ask their supervisor, tell me they reported it. And I wouldn't get credit to my account for the fees and interest. They have not corrected that. I've had new cards with XXXX XXXX and they always tied the previous card to the account for accounting reconciliation. How hard could it have been for PayPal to do that?

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or incomplete information being furnished by Bank of America XXXX XXXX XXXX XXXX XXXX XXXX ), a consumer reporting agency. Bank of America reported adverse information related to prior XXXX activity and subsequently closed my account without providing clear reasoning or adequate explanation. The activity in question was not the result of fraud or intentional misuse, which I communicated to the institution at the time of closure. However, the information continues to be reported in a manner that does not accurately reflect the circumstances or current status of the account. As a result of this reporting, I have been denied the ability to open a checking account with other financial institutions, causing ongoing financial hardship and limiting my access to basic banking services. I have contacted Bank of America directly to request correction or updating of the information furnished to Early Warning Services, but the issue remains unresolved. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal obligation to ensure that information reported to consumer reporting agencies is accurate, complete, and properly updated. I am requesting that Bank of America conduct a reasonable investigation and promptly correct, update, or remove any inaccurate or outdated information furnished to XXXX XXXX XXXX As a resolution, I am requesting : Written confirmation that a reasonable investigation has been completed Correction, updating, or deletion of any inaccurate or misleading information reported to XXXX XXXX XXXX XXXX confirmation once the information has been corrected The ability to open a bank account without improper denial due to inaccurate reporting Thank you for your attention to this matter. I look forward to a timely 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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
So XX/XX/XXXX I spoke with a representative at Huntington bank to do a transfer of funds from my XXXX account to Huntington that same day the rep took down my routing and accounting number from XXXX to deposit the money into Huntington. So I then got a notification that the funds were transferred which was {$190.00}. I then called Huntington the next day because the account said XXXX they stated that the money reversed back to XXXX but when I checked no funds ever went back I even spoke with a rep at XXXX and they stated that they dont even see the transaction. I then spoke back to Huntington and they couldnt give me a track or tracing number all I have is a copy of a check from when the agent from Huntington initiated the transfer and a picture that it indeed deposited into Huntington so I just need some answers what truly happened to the money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: NV

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Tesla, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX This matter was previously reported under XXXX XXXX. XXXX and was marked closed without resolution. I submit this supplemental statement because the underlying issues remain unresolved and circumstances have materially escalated. I assumed the existing Power Purchase Agreement ( PPA ) when I purchased my home. I did not originate the agreement ; it was entered into by the prior homeowner. The solar system was represented as providing meaningful savings by offsetting utility costs. However, despite making payments under the agreement, my overall electricity expenses ( including both Tesla charges and utility charges ) have not resulted in the level of savings reasonably portrayed. I am currently unemployed and rely on public assistance for basic living expenses. I no longer have the financial ability to continue payments under this agreement. This is not a refusal to pay ; it is financial impossibility. On XX/XX/year>, I formally initiated arbitration with XXXX pursuant to the dispute resolution provisions of the Agreement. Tesla was served the same day. On that same date, Tesla denied my request for hardship accommodation. Given my unemployment and inability to continue payments, there is a significant risk of default while arbitration is pending. Although no credit reporting has occurred to my knowledge, I am concerned about potential default actions during an active dispute process. Under these circumstances unemployment, denial of hardship accommodation, lack of realized economic benefit, and pending arbitration I request that the solar system be disconnected and removed. This matter remains unresolved. Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I have a nj state appointed XXXX who is responsible for payment and hasnt paid in XXXX months due to thatvimnstruggling Please contact the manor in XXXX to speak to guardian for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Validation of Debt Request - XXXX XXXX - XXXXXXXX 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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
It was during XXXX in of XXXX I lived in XXXX XXXX where I was renting an apartment called XXXX XXXX Apartment my address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX don't remember XXXX XXXX XXXX but my lease was ending soon so I reach out to the office letting them know I was moving. Since everything was shut down due to XXXX the property management worker said that you leave the XXXX days written noticed letter in the slot box with keys in the door of the office that the only any tenant can communicate with them. After doing so the worker didn't say anything was wrong damage in the apartment just said good luck XXXX I moved out. Later as I was looking for a new place this company put me in collecting stating I didn't give them a written notification of a XXXX days notice to vacate also said the XXXX was damaged but it was normal wear and tear. It been XXXX years this original debt collector name is Fair Collecting Outsource the original date was on XXXX XXXX and the debt was {$2700.00} and every time it's close to fall off they give another collecting angancy my account information without my permission to act like it's a new debt the account is old and I want it off my credit thank you

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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted Citi because my account showed my previous payment was returned. The representative told me to make a new payment by phone. I confirmed the total amount due was {$2700.00} and authorized the full payment by phone. After the payment was processed, I asked for my balance and was told my account showed {$100.00}, confirming the account was fully paid and had a credit balance. A few days later, Citi claimed the payment was not received. I contacted my bank ( XXXX XXXX ), and my bank confirmed the XX/XX/XXXX payment was successfully processed to XXXX. I repeatedly contacted Citi asking where to send proof of payment. At first I was told there was no email and I must send by mail. Later I received an email address but it was incorrect. After several attempts I sent proof of payment but Citi still claimed they did not receive it. While I was overseas, Citi closed my account and continued to claim incorrect amounts owed. On XX/XX/XXXX, after multiple disputes and confusion, my bank XXXX XXXX returned the money back to my account because Citi claimed they did not receive it. Despite this, Citi continued to report negative information and claim additional balances including XXXX of dollars. Because of this situation : My account was wrongfully closed My XXXX XXXX was negatively damaged I lost approximately {$400.00} in XXXX rewards I spent significant time trying to resolve this I am requesting : Full investigation and correction of my account Removal of any incorrect balance Correction of all negative credit reporting Restoration or payment of my XXXX rewards Written confirmation that my account shows paid correctly I have documentation from my bank confirming the payment history and return and request urgent 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 explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
Update : As XX/XX/year>, Jefferson Capital Systems LLC has not responded to my request for debt validation that I submitted on XX/XX/year>, but have reported a collections to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom mortgage My mortgage servicer repeatedly claims they did not receive proof of my homeowners and flood insurance, even though my insurance company has already sent the declaration page and proof of coverage. Despite having valid insurance coverage, the servicer placed force-placed insurance on my account and added charges to my escrow account. this happed every year. I have provided proof that my insurance has been active and that the documentation was already sent. I believe the servicer is improperly charging for force-placed insurance. I request that the force-placed insurance be removed immediately and that all related charges be refunded. They keep trying to play with it. They do this every year. I don't want to waste my time and energy for this anymore.

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 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: VT

Complaint narrative:
This complaint is a follow-up to CFPB Complaint ID XXXX. The companys response failed to provide documentary validation supporting the accuracy of reporting following account transfer and conversion. Despite acknowledging that the original account was closed prior to conversion, the company continues reporting the account without providing evidence of lawful assignment, consumer agreement to amended terms, or verification of repayment plan enrollment. Because a reasonable investigation does not appear to have been conducted as required under the Fair Credit Reporting Act, I am requesting regulatory review of the companys continued reporting of disputed information. In response to my dispute, the company provided a generic cardholder agreement that does not contain my signature or any identifying information linking the document to my specific account. The materials provided do not demonstrate consumer assent, account-level validation, or evidence that the agreement supplied governs the reported account following transfer from the original creditor. Because documentary evidence connecting the agreement to my individual account has not been provided, the accuracy and completeness of the reporting remain disputed. I request reinvestigation and verification consistent with Fair Credit Reporting Act requirements

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - XXXXXXXX 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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I am filing this complaint regarding a collection claim from Halsted Financial Services , LLC for {$2200.00}, allegedly related to a XXXX XXXX XXXX account that was sold to XXXX XXXX XXXX ( account number XXXX ). To be clear, I do not recognize this debt, and I never authorized this reporting or collection in any way. The fact that this collection is still ongoing is extremely frustrating and mentally draining. I am being wrongfully harassed over an account that is not mine. Ive had no prior knowledge of this debt, and the lack of proper communication and documentation from Halsted Financial Services has only added to my frustration. This kind of treatment, where I am made to feel like a criminal for something I did not do, is unacceptable. It's unfair to be subjected to these actions, especially when I'm already aware of my rights under Florida law, specifically within XXXX XXXX, which provides protections against unlawful debt collection practices. It is disheartening that instead of helping consumers, companies like Halsted and XXXX XXXX engage in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). This collection claim also violates 15 U.S.C. 1692g, which requires debt collectors to provide proper validation of any debt they are attempting to collect. The fact that I have not received sufficient documentation to validate this alleged debt is a violation of my rights. Furthermore, the collection activities are also in violation of 15 U.S.C. 1681b, which mandates that a debt collector must have a permissible purpose before accessing or reporting any consumer information. Whats even more disturbing is the toll this situation is taking on my mental health. The stress of dealing with fraudulent debts, combined with the constant need to respond to collection efforts, has become overwhelming. This situation is causing real XXXX XXXX, and I believe I am entitled to relief under both federal and state laws. I am requesting a thorough investigation into this matter, proper validation of this debt, and an end to the ongoing collection efforts. It is time for these unfair practices to be held accountable, and I trust that the CFPB will take immediate action to address the harm caused by these unlawful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
On XXXX I called to make the mortgage payment of XXXX and was told the modification was cancel due to non payment of XX/XX/XXXX. I went to my local and provided XXXX and XXXX XXXX a bank statements of the following payment withdrawn on XXXX XXXX the payment was taken out XXXX the related manager had selected the saving account. which was submitted and I realized the account was not saving account selected the wrong account so XXXX made a second payment with the correct account. The payment was withdrawn on the XXXX of XXXX and XX/XX/XXXX. I have provided both statement from bank and uploaded it on PHH mortgage website with a compliant. I have been trying to call to speak to someone and i get ignored and no related manager or supervisor does not return my call back. All the calls from XXXX XXXX XXXX I have been told they will call me back and will not answer any on my calls or speak to me related to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
The company admitted this is a time barred account. However, it is still being reported on my credit file with an opened status date of XX/XX/year>, which is inaccurate and constitutes illegal re-aging. The original delinquency occurred in XXXX. Under the Fair Credit Reporting Act, the 7-year reporting period is based on the Date of First Delinquency, not the date the collection agency obtained the account. In addition, the account is being reported as OPEN, which is factually incorrect for a collection account and is misleading. The company also confirmed it did not review my documentation because it claimed the file was corrupted. Therefore, no reasonable investigation was conducted before continuing to verify and report this account. Because : The account is time-barred The Date of First Delinquency is being misreported The account is inaccurately listed as open No reasonable investigation was conducted this reporting violates the Fair Credit Reporting Act. I am requesting the immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation