vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX and Credit Collection Services is reporting inaccurate information to credit reporting agencies regarding policy number XXXX. The amount the claim I owe them is {$510.00}, which constitute XXXX month of car insurance policy. 

The policy was properly canceled effective XX/XX/year>. Replacement auto insurance coverage began XX/XX/year>, with no lapse in coverage. 

Despite proper cancellation and continuous coverage, XXXX has reported a delinquency that is factually incorrect. I have documentation proving the cancellation date and the start of replacement coverage. 

This inaccurate reporting is causing harm to my credit and violates the Fair Credit Reporting Act requirement to furnish accurate information.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Ive tried forever to get this account off my credit report. It was opened on XX/XX/year>. As I legally could not contact this debt at the age of XXXX years old, Im unsure what to do. Capital one will not remove it even after Ive provided ID and birth certificate verification showing, I was underage at the time the account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Deferred interest was posted. I'm requesting a goodwill adjustment to eliminate the deferred interest. The contract states that I have XXXX  days after the promotion ends. I have been trying for a month to have the deferred interest removed. 

I can pay the balance off in full.

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 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MO

Complaint narrative:
I am the borrower on federal student loans serviced by MOHELA. My parents assisted in opening the loans years ago while I was in school. These loans remained in forbearance for an extended period. 

The recent issues occurred when the loans transitioned out of forbearance and repayment was not properly set up. This started around XXXX of last year, and has been an issue now twice since. During this time, I did not have borrower access to my loan account, did not receive billing statements, and did not receive delinquency or late payment notices. My parents, who previously had limited access to assist with setup, also did not receive billing or delinquency notices. Additionally, forbearance requests submitted by my parent were not responded to. I have also not ever received any direct communication from MOHELA. 

Because I could not directly access the account, and billing communications were not properly delivered, I was unable to manage or monitor the account during the transition to repayment. Despite these servicing failures, MOHELA reported the account delinquent to credit bureaus. 

Once access was granted to my accounts, I immediately paid the past-due balance in full and brought the account current. I disputed the delinquent credit reporting directly with MOHELA, but they declined to take corrective action. 

I am requesting correction of the inaccurate and misleading credit reporting that resulted from servicing failures during the transition out of forbearance, including lack of borrower access, lack of notice, and unanswered requests. The reported delinquency does not reflect borrower behavior.

Company response to consumer: Untimely response
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: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt referenced above and to request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
This letter serves as notice that I dispute this debt in its entirety. I am requesting that you provide proper validation, including but not limited to : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and charges Copies of any contracts, agreements, or documents bearing my signature that establish my legal obligation to pay Proof that you are legally authorized to collect this debt, including a complete chain of title from the original creditor The date of last payment and the date the debt was allegedly incurred Until such validation is provided, you must cease all collection activity and reporting of this account pursuant to federal law. If you are unable to provide the requested documentation, you are required to delete this account from all consumer reporting agencies to which it has been reported. 
Please note that reporting disputed, unverified, or inaccurate information to the credit bureaus constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). Failure to comply with this request may result in further complaints and legal action. 
This communication is not a refusal to pay, but a request for proof that I am legally obligated for this alleged debt. 
I expect your response within the time frame required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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: CA

Complaint narrative:
I offered to pay off my debt but instead the company wants to scam me by signing me on for a program that will remove the debt from my credit report and charge me {$900.00} for that service. They said I could not pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX pulls out a Macys credit card shows in my account. But I never request/apply/using Macys credit card, and this unknown credit card showing balance {$2800.00} every month since XXXXXXXX XXXX  And it actually influenced my personal credit score every month, from XXXX dropped to now XXXX with no reason.

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: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
Shepard Outsourcing called me and said they were trying to collect a debt that im not affiliated with. They told me that their client XXXX XXXX had hired them to collect a business debt that had no personal guarantees. They tried to collect from me by asking me for my information as well as asking for my Husband 's personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Relay Financial (US), Corp.
State: NY

Complaint narrative:
This is a follow up to CFPB Complaint XXXX. The companies response was entirely unsatisfactory. They failed to provide a specific reason why my account did not qualify for a promotion. As I see it, the account qualified, and RelayFi refuses to explain what specific conditions were not met. 

I wan them to provide specifics which they refused to provide in a suppport chat and did not provide in the CFPB complaint. Additionally, they did not provide any contact information for someone to follow up with therefore my only recourse is to open a second complaint.

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: Kriya Capital, LLC
State: IN

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Charged-Off Accounts in Dispute I dispute the following charged-off accounts reported by TransUnion : XXXX XXXX XXXXXXXX Acct # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XX/XX/XXXX Balance {$2400.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXcct XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Please verify the accuracy and reporting status of each account. Any account that can not be verified should be corrected or removed. 

Credit Inquiries I dispute the following inquiries reported by TransUnion : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing these inquiries. Please verify authorization. Any inquiry that can not be verified should be removed. 

Late Payments I dispute the late payment reporting on the following accounts : Affiliate XXXX XXXX # XXXXXXXX XXXX XXXX Acct # XXXX Please verify the payment history. Any late payment that can not be verified should be corrected or 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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: IL

Complaint narrative:
So Discover card is merging with XXXX XXXX I have about {$9000.00} in cash back on my Discover account. Im aware theres a transition and there could be an issue so I called yesterday or the day before. Im not exactly sure to make sure I could use my cash back or if I needed to redeem it sooner they said no everything is fine. I can use it and it wont be affected. Today I tried to redeem a couple hundred dollars worth of cashback for a purchase I needed to make and I struggled to do it. I had to call and they pass me to five different people and then finally a supervisor came on after 45 minutes to tell me yeah they didnt know that there would be an issue redeeming my cashback. So Im screwed until at least a 26 they told me without making me aware ahead of time after I specifically called and asked.

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: National Credit Systems,Inc.
State: IN

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number 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 2026-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
A debt collection agency, Harris & Harris, contacted me by phone claiming I owed a balance for unreturned XXXX ( XXXX XXXX ) equipment. I did not open or authorize the XXXX  account associated with this alleged debt. 

I contacted XXXX to request account details, including ownership confirmation and equipment information. XXXX stated they could not provide any details because the email address, phone number, PIN, and security-question answers on the account did not match the information I was providing. This confirmed the account does not belong to me. 

I previously had legitimate XXXX  service in the past and properly returned all equipment. I retain the serial numbers for the equipment I returned. Harris & Harris has not provided any serial numbers, written validation, or documentation supporting their claim. 

Harris & Harris has only contacted me by phone and has never sent a written collection notice. The alleged debt does not appear on my credit reports. 

I know this account is the result of identity theft. I am requesting that this fraudulent account be investigated and permanently removed from any records associated with my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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: NC

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 2026-01-20 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: Shellpoint Partners, LLC
State: HI

Complaint narrative:
The company insists on huge payments the tax authorities say no worries so long as you are making payments you are good and you have 3 years to make payments so XXXX tax payment for 6 months paid each month could be XXXX instead In Hawaii tax authority is used to grab land and manipulated by corruption to target working class folks, nonprofits, farms, XXXX people and small businesses You can be charged additional fees for 4 years and have to pay it with your morgage Automatically No checks and balances No ethics No ombudsman No district attorney No advocate No reps Tax authority breaks ada, ethics, state and federal laws Morgage company is the thug to do their bidding Where is the real XXXX and XXXX XXXX

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: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I spent a good portion of late XXXX into XXXX proving I hadn't missed any payments. They were trying to start foreclosure proceedings on my loan. I believe it was in XXXX of XXXX when we finally got that mess straightened out. And now I am going through the same issue again. They tell me I am 3 months behind when i haventy missed XXXX single payment. I feel at this time in point I should be compensated for their incompetence in recordkeeping.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
This bank ( Suncoast Federal Credit Union ) obviously believes it XXXX XXXX the customers job to stop incoming fruad. Several times last year my accounts were hacked. Iv had to cancel my accounts and reorder all new cards at least 3 times last year. The bank tells me there is nothing they can do. I have to do my due diligence in stopping the scams and fraud. Iv positively identified one of the companies and given them the information. They dont care. No investigation. No acceptance of negligence on there part by allowing these giant corporations to save your personal information and credit card info and charge you as they see fit. They tell me its not there job. Its mine. My accountants cant access any of my accounts becuase iv had to change them so many times in the past year the bank just can not even find the statements anymore. I cant pay my taxes if the bank cant keep proper account info. This getting out of hand. The bank refuses to implement the necessary resources to counter this problem. Instead we the consumer are told sorry its oir responsibility not the banks. This has to be illegal. Im losing everything to scams and negligent banking practices.

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: Portfolio Recovery Associates, LLC
State: GA

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 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 non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Whenever I send a XXXX payment from my personal account, US Bank sends an email summarizing the transaction, including my confidential information to a party that is not associated with the account. 

I contacted the bank on a couple of occasions, with the latest in XXXXXXXX XXXX. I received an email confirming issue has been solved, yet US Bank insists on sending my confidential information to a stranger. 

XXXX attachments included : 1. Email from US Bank confirming the issue was finally fixed ( XXXXXXXX XXXX ). 2. Email from US Bank to a stranger showing them the details of my last XXXX transfer ( XXXX, XXXX ).

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
A residential solar Power Purchase Agreement ( PPA ) was entered into in XX/XX/year> for a Texas property. The consumer is now deceased. I am the court-appointed executor of the estate. The estate is insolvent and has no available funds to satisfy unsecured contractual obligations. 

After the consumers death, I notified the company and its servicer, Launch Servicing , LLC, of the death and the estates insolvency. Despite this notice, the company continued to treat the account as a living borrower obligation and repeatedly stated that the only options were to bring the account current, request a buyout, or transfer the agreement. These demands were made even though the estate lacks assets and has not assumed or reaffirmed the contract. 

In written communications, Launch Servicing identified itself as a debt collector attempting to collect a debt. However, neither Launch Servicing nor the program provider acknowledged that enforcement is limited to estate assets under probate law, nor did they transition the matter into a probate creditor posture. Instead, they continued collection-style communications and refused to address insolvency or elect any remedy under the contract, such as termination or removal of their owned equipment.

I requested clarification of the companys legal position after the consumers death, confirmation of probate-appropriate remedies, and an explanation of how the company intended to proceed given the estates insolvency. The responses I received did not address these requests and instead repeated generic contract language while ignoring the consumers death and the estates lack of funds.

This conduct places ongoing pressure to pay a debt that can not legally be satisfied and implicitly suggests negative consequences, including credit impact, despite the absence of a living borrower or a solvent estate. A complaint regarding this conduct has also been filed with the Texas Attorney General, Consumer Protection Division ( Complaint No. XXXX ). 

I am requesting CFPB review of the servicers post-death debt collection practices and failure to properly handle this account in a probate-appropriate manner.

Company response to consumer: Closed with explanation