vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing a lease-related collection account reported by National Credit Systems for an alleged debt in New York XXXX The balance of {$23000.00} is materially inaccurate. The apartment was re-rented shortly after vacancy. Under New York law, a landlord is required to mitigate damages and may not charge a former tenant for the remaining lease term once the unit has been re-rented. Despite this, National Credit Systems continues to report the full balance without providing a complete itemized accounting, proof of mitigation of damages, vacancy dates, re-rental documentation, or records showing how the balance was calculated. I requested validation of this debt. The furnisher failed to provide competent evidence supporting the amount reported, yet continues to furnish the information to credit reporting agencies. Reporting an inflated and unsupported balance violates the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), by furnishing inaccurate information and failing to conduct a reasonable investigation. Continued collection activity without proper validation also constitutes an unfair and misleading practice under the FDCPA. I am requesting regulatory intervention to require correction or deletion of this inaccurately reported account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: NY

Complaint narrative:
MOHELA misled me by failing to provide proper guidance regarding my loan repayment options, which would have made my payments more affordable and closer to eligibility for eventual forgiveness. Instead, I was repeatedly encouraged to enter administrative forbearance and recertify at a must later date causing my loan balance to balloon due to capitalized interest. This has led to financial strain and has affected my ability to meet my financial obligations, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which MOHELA has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). MOHELA 's conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2025, I sent National Credit Management a written dispute and request for debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). In that letter, I requested verification of the alleged debt and documentation proving their legal right to collect it, including a letter of assignment or chain of title. National Credit Management acknowledged that they would request the information ; however, they never provided validation. Instead, approximately four weeks later, they sent another attempt to collect the debt. As of today, more than six weeks have passed since my written dispute, and they have still failed to provide validation while continuing collection activity. Under the FDCPA, a debt collector must cease all collection efforts until verification is provided once a written dispute is received. Continuing collection activity without validation is a violation of federal law. I am requesting that National Credit Management : 1. Cease all collection activity immediately. 2. Provide proper validation of the alleged debt, including proof of legal right to collect. 3. Remove any negative credit reporting associated with this account if validation can not be provided. 4. Confirm in writing that this matter is closed. I have retained copies of my dispute letter and documentation of continued collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BH Financial Group, LLC
State: CA

Complaint narrative:
Complaint Against Sunlan Improper Judgment, Lack of Service, FDCPA Violations I am filing this complaint against Sunlan regarding a judgment entered against me in 2014 that I only recently discovered while applying for a mortgage. I was never served with any summons or complaint related to this alleged debt. I did not receive personal service, substitute service, certified mail, or any lawful notice of a lawsuit. Because I was never served, I was denied my constitutional right to due process and the opportunity to appear in court and dispute the claim. I also never received the written validation notice required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Sunlan failed to provide : The name and address of the original creditor The amount of the debt with itemization Any account number associated with the debt Notice of my 30-day right to dispute If Sunlan obtained a judgment without proper service, this raises serious concerns under 15 U.S.C. 1692e ( false, deceptive, or misleading representations ) and 1692f ( unfair or unconscionable means to collect a debt ). Without my knowledge, Sunlan obtained a judgment in 2014 and placed a lien on my home. I only discovered this while seeking mortgage financing, which has now caused financial harm. I am formally disputing the debt and demanding that Sunlan : 1. Provide documented proof of lawful service of process from 2014 2. Provide full debt validation as required by 15 U.S.C. 1692g 3. Remove the lien immediately if proper service can not be proven 4. Correct any related credit reporting If they can not provide proof of lawful service and proper validation, this judgment should be vacated and the lien released immediately. I request CFPB assistance in ensuring this matter is investigated and corrected.

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 2026-03-05 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
My rent was charged more than what my property charge paying through the app. My property charged {$50.00} after the first day for late fee and {$10.00} additional day. The app charged me {$160.00} the first day I was late and couldnt give me a legit answer why I got choice so much for late fee. I just want to know is this legit or not legit and how can I get my money back and other people money that they didnt charge like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SECURITY FINANCE CORP
State: OH

Complaint narrative:
I leased a car from XXXX and I missed a payment they stopped the car from running and got their car back just like I got it and theyve already collected garnishment money from my XXXX XXXX XXXX XXXX this isnt right .and they are taking money out of every check I receive from every job Ive had since then and they still trying to stay every year i still owe XXXX how? I believe they have collected way more money than they should

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: GA

Complaint narrative:
I was charged {$1600.00} on my CareCredit account for a dental crown by XXXX XXXX XXXX in XX/XX/year>. The payment was required upfront and was specifically for this service. After accepting payment, the provider canceled my appointment and refused to provide the crown due to alleged unpaid insurance balances. The service was never rendered and no refund was issued. I have disputed this charge multiple times with XXXX and provided documentation, yet the charge remains enforced. Under Georgia law ( O.C.G.A. 13-4-42 ), payments must be applied as directed, and retaining payment for services not rendered constitutes an unfair business practice under O.C.G.A. 10-1-393. I am requesting immediate reversal of the {$1600.00} charge and correction of any related account 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 2026-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
{$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Medical Data Systems XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Account Number : XXXX XXXX | To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide : The name and address of the original creditor. The original account number. An itemized statement showing how the amount claimed was calculated. Proof that your company is authorized to collect this debt. Documentation bearing my signature showing I agreed to this debt. Until you provide proper validation, you must cease collection efforts and reporting to any credit reporting agencies. This is not an acknowledgment of liability. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I asked if I could open up several accounts for each business I had plus savings for me, savings for my son, and checking for my daily life. I was told this would be no problem. I have gone from bank to bank experiencing " XXXX XXXX XXXX '' letter I recieved in XXXX of XXXX. The investigations continued as I continued to have issues with dispute charges. I was told because my phone number had been used and usual places I shop, that my disputes would be reversed : meaning they reimbursed me for XXXX charges, then, took the money back putting my account in negative. I called in many times to discuss this. Got varying information that i needed to send in supporting documentation, I did. Third party representatives kept mis noting my account, reading from script, saying the investigation supported itself. The XXXX settlement which I am listed on as someone impacted by the exposure of a security breach from XXXX where access with my phone number, having access to my online accounts and apps that I typically use were all accessed through this. We were also XXXX to many factors effecting XXXX XXXX XXXX. I recieved letters stating I could reopen my account if I paid the debts. I would call in. and was told that they would not open the accounts. I was told later if I paid off the balance I could open a new account. THen got passed onto someone else who said that was not true. I am apparently banned from this, when my accounts were not shut off as a form of protection within XXXX days of me reporting these matters, I was not protected, compensated or educated/Instructed by the account bank on anything to help me. I was punished, charged, lied to, mis informed and this took up a lot of time and has damaged my credit, my businesses, my reputation and defamation of character. The bank continues not to offer solutions even after several letters, calls, email, sending documentation, recorded calls, and a Demand letter sent in XX/XX/XXXX stating i would file with the CFPB, FCRA, etc. as well as reach out to XXXX. I have now spoken with XXXX and am supported in my case that protocal was not folllowed, my consumer rights have been violated and the bank has mishandled my case. I do want my name cleared, my record made right, corrections for all damages and to be made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Global Lending Services LLC
State: PA

Complaint narrative:
This company is violating my rights. It has been XXXX days and they have no provided validated information. Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my credit report. 15 U.S.C. SS 1692g ( b ) of the FDCPA requires debit collectors to cease collection activities and provide proper validation of the debt within 30 days of initial contact. These accounts are not XXXX % accurate. Until I am provided competent evidence that validates the debt including a signed agreement, and full account history, you MUST cease all collection efforts and remove this information from my credit report. Please review this immediately. ONCE A VEHICLE IS SOLD AT AUCTION I NO LONGER OWE THE ORIGINAL DEBT.. I look forward to this matter being resolved as soon as possible as this is taking a toll on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Halsted Financial Services, LLC.
State: CT

Complaint narrative:
I called paid off all my credit cards and they are stating I still owe them and effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint because Wells Fargo has failed to conduct a reasonable investigation into my identity theft claim and has handled this matter in a dismissive and unacceptable manner. I reported multiple Wells Fargo accounts that were opened fraudulently as the result of identity theft. Despite the seriousness of this issue, Wells Fargo denied my claim without ever providing me a meaningful opportunity to submit supporting documentation such as my police report, identity theft affidavit, or any other relevant evidence supporting my claim. This raises a fundamental concern. Wells Fargo claims it investigated the matter, yet I was never asked to provide documentation, never given clear instructions on how to submit evidence, and never afforded an opportunity to participate in the investigation process. It is difficult to understand how a legitimate investigation could be conducted without obtaining the facts and supporting documentation from the consumer reporting identity theft. The XXXX assigned to my case, XXXX XXXX from the XXXX XXXX XXXX XXXX, failed to communicate with me despite my repeated attempts to reach her. I left multiple messages requesting a return call so that I could provide documentation and discuss the identity theft issues affecting my accounts. My calls were never returned, and I was never given any meaningful explanation regarding the denial of my claim. Instead of working with me to obtain the necessary information, Wells Fargo denied the claim and closed the matter without reviewing any supporting documentation from me. This handling of the case has been extremely frustrating and has demonstrated a lack of urgency and professionalism in addressing a serious identity theft issue. The following Wells Fargo accounts remain fraudulent and were opened as the result of identity theft : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX These accounts have not been properly investigated and remain unresolved.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: IL

Complaint narrative:
Us bank closed my business account and issued me a cashier check made out to my business and. Now I am unable to cash it I am requesting a reprinted check with my name attached to the account so I can obtain my funds

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 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
Lender Liability Under the FTC Holder Rule The solar system was financed through Mosaic XXXX XXXX under Loan Number XXXX. Under the Federal Trade Commission Holder Rule ( 16 CFR 433 ), any holder of a consumer credit contract is subject to all claims and defenses that the borrower may assert against the seller. Accordingly, Mosaic XXXX XXXX is legally subject to the claims and defenses arising from the misrepresentation and breach of contract by the installer. Demand for Relief Based on the foregoing, I hereby demand the following : XXXX. Immediate rescission and termination of the solar installation agreement XXXX. Removal of the solar system from my property at no cost to me XXXX. Cancellation of the Mosaic loan associated with this installation XXXX. Refund of payments made related to the solar system XXXX. Compensation for damages including excess electricity costs incurred as a result of the installation XXXX. Removal of any negative credit reporting associated with the Mosaic loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I made a payment to my Bilt credit card and the money has already left my bank account, but the company says they have not received the payment and can not tell me where my money is. I have called customer service multiple times and requested information about my payment, asking them to locate it, explain where the money is, and apply the payment to my account. I also provided proof of payment by email. Each time I asked to speak with a supervisor, I was told there are none available, and on one occasion they even hung up on me. I was told that someone would respond within 48 hours, but I never received a response. Because of this issue, my rent payment was not processed and I may now be charged late fees by my landlord. I am requesting that the company investigate where my payment is, apply it to my account immediately, and correct any negative consequences caused by this situation.

Company response to consumer: Closed with explanation