vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I brought my grandson to the hospital and he has heath insurance and they didnt use it for him and billed me. The hospital doesnt want to give me any account number or information in order to provide the insurance. The hospital says they dont have health records from XXXX XXXX ago but the visit was a year ago. The debt collector agency doesnt want to resolve the problem by taking the insurance or doesnt give information to my son and he his looking for the account number to give the insurance card but no one is giving it. I need to go back to the hospital and fix the insurance problem because my grandson has always had health insurance. I will sent you the insurance prove. The collection need to cooperate and dont act malicious.. Thank you

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

Complaint narrative:
THESE INQUIRIES ARE UNAUTHORIZED AND INACCURATE. THEY MUST BE INVESTIGATED AND REMOVED IMMEDIATELY.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
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 : 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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DC

Complaint narrative:
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 : 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 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX Michigan on XX/XX/XXXX. During this transaction, I also traded in a vehicle. I noticed on XX/XX/XXXX, that the balance for the trade-in had not been paid off with Capital One. I contacted Capital One on XX/XX/XXXX to see if the payment had at minimum been received, as the check was sent from the dealership on XX/XX/XXXX. I was told by the Capital One XXXX that the check had not been received and that it usually take XXXX business days for the check to be received in the mail. I called Capital One on Friday. XX/XX/XXXX and was told I had to wait at least XXXX business days, but the check, as of that day, still had not been received. I called Capital One on XXXX, XX/XX/XXXX, and was told by the representative that the check had not been received and it should be received no later than XXXX. I called Capital One XXXX, XXXX, and was told by the representative that it takes them XXXX days to receive a payment. I called again XXXX and was told, this time, that I had to wait XXXX days for the check to be received and an additional XXXX XXXX for it to be reflected on my account. At this point, the timeline is being pushed and interest ( which is my responsibility ), is building on a vehicle that I have not had possession of for over XXXX XXXX. Per their own policy ( on XXXX pay off ), they process the pay off the next business day when paid via certified funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a Barclays XXXX XXXX XXXX world XXXX. On XX/XX/year> XXXX XXXX transferred their program from XXXX to XXXX rewards. In the process overnight old XXXX devalued my rewards by XXXX dollars of value in my points worth. I had XXXX ( XXXX dollars ) points on XX/XX/year> with an additional XXXX ( XXXX dollars ) supposed to hit my account on XX/XX/year> bringing my total to XXXX dollars. Instead overnight and in the transfer of XXXX XXXX to Encore it brought my total to XXXX with their new system being XXXX dollar is XXXX points. Under this my points on XX/XX/year> now totaled XXXX dollars, not XXXX dollars that would have been if the encore program had not been implemented. I called on XX/XX/year> and they could not or would not give me my past total of XXXX but knew that the XXXX hit my account now in the new amount of XXXX ( XXXX dollars ). I called again on XX/XX/year> and they said they would try to attain my old balance of points but when I called on XX/XX/year> they could not account for the points lost. In addition, I have many purchases since the transfer and the rewards points are not posting to my account. When I called on XX/XX/year> XXXX the customer service rep could not and would not tell why I was not receiving rewards points from my purchases. Old XXXX and Barclays are being deceptive in the conversion of the rewards program from Navyist to Encore and have not provided me any explanation as why I lost value in my Points and why I am not receiving points on purchases that have been made since the Rewards programs conversion.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retail Merchants Associates
State: LA

Complaint narrative:
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 : 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 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: TX

Complaint narrative:
US COLLECTIONS WEST INC reported debt amount of {$4900.00} from XX/XX/XXXX - XX/XX/XXXX, in XX/XX/XXXX amount jumped up to XXXX. Monthly from there has shown different amounts varying in differences between {$110.00}, {$85.00}, {$95.00}, {$110.00}, {$92.00}, changing amounts every month. It is being reported to others ' credit reports as well with varying numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have a credit card with American Express ( Amex ). Last year I ran into financial difficulties, got behind on payments so they referred me to an outside debt collection firm XXXX XXXX XXXX. I called XXXX and arranged a 36 month payment plan starting in XXXX, XXXX at {$250.00} per month. I was told this would pay off the debt and no interest would be charged. Payments come automatically from my checking account and I have made XXXX payments on time with XXXX to go. Amex has acknowledged receiving the payments and is not charging interest as agreed. However, I recently discovered Amex has been reporting ongoing late payments since the payment plan started. I called XXXX to get it corrected but they told me they had nothing to do with credit reporting and I had to call the Amex Credit Bureau. So I did and the lady I spoke to told me the late payments were being reported because there was a minimum due balance of {$1000.00} on the account. I explained I had set up a payment plan and she told me it made no difference if I paid the {$1000.00} the account would be in current status and then they would not file a late notice. I asked her if I paid the {$1000.00} would there be future minimum balances and she said she could not tell me that. I finally asked her if I paid the {$1000.00} how would that affect the payment plan and she told me I would have to talk to XXXX about that. The minimum balance should have been negated by the payment plan. Otherwise, why would anyone ( knowingly ) agree to a payment plan if the creditor was going to continue to ding their credit every month for the length of the payment plan. It makes no sense and I can not believe it is legal for Amex to do that. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
XX/XX/XXXX To Consumer Finance Protection Bureau RE : Submit a complaint I'm writing about a mortgage issue with Loan Depot. I closed a cas-out refinance on my Paid -off home on XX/XX/XXXX the loan amount was {$510.00}. Everything was smooth until XX/XX/XXXX, when they suddenly required wind and hail insurance, force-placed it, and tripled my monthly payment -- no approval, no heads-up. I never received the XXXX XXXX or XXXX XXXX notices they're supposed to send under 12 CFR 1024.37. My existing policy covered fire, and all other coverage for a home paid for. They sent out a bill tripling my payment for wind and hail, force-placed it, and since this tripled my payment I was left with no warning or any explanation. Can you investigate if they followed federal rules, get this premium dropped or refunded, and fix my payment? My servicer is Loan Depot, XXXX. Thank you, kindly.

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

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
I was contacted about the purchase of art work through my website. I was sent a {$9500.00} check from XXXX XXXX XXXX XXXX XXXX M & T Bank. {$4000.00} of which was to be wired to an art storage location in XXXX, XXXX. I was to wire the money as soon as the check cleared. It appeared to have cleared, so I wired the money. Within the hour the check was returned as fraudulent. I received a second check which was also fraudulent. I contacted XXXX XXXX XXXX and found that several XXXX had received similar checks that were not authorized by them with the pretense of purchasing art.

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 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX and the debt collection agency TSI regarding a debt they have attempted to collect from me for approximately XXXX years. I have repeatedly disputed this alleged debt and informed both parties that it is inaccurate and unsupported. In response to my requests for validation and documentation, I have been provided with : -A rental agreement, and -A billing statement. However, the rental agreement and the billing statement reference different unit numbers and addresses. The unit listed on the rental agreement does not match the unit referenced on the bill. This discrepancy clearly demonstrates that the documentation being used to support the alleged debt is inconsistent and unreliable. I have raised this issue multiple times and specifically pointed out that because the rental agreement does not match the billing statement, the debt is invalid and improperly substantiated. Each time, I have been told that additional information would be obtained and provided. Instead of providing correct or additional documentation, they have repeatedly sent back the same incorrect rental agreement and billing statement with the mismatched unit information. Despite my good-faith efforts to resolve this directly with both XXXX XXXX and TSI, the matter remains unresolved. This alleged debt has negatively affected my credit and continues to cause harm. I believe this constitutes improper debt collection practices, including : -Failure to properly validate a disputed debt -Continuing collection efforts without adequate verification -Reporting inaccurate information I am formally requesting the following : -Immediate cessation of collection activity on this alleged debt -Removal of any related negative reporting from my credit file -Proper written validation of the debt, including documentation that clearly matches the specific unit and address allegedly tied to me I have made repeated attempts to resolve this matter directly without success. I respectfully request that your office investigate this issue and assist in resolving it promptly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: Healthcare Finance Direct LLC.
State: MO

Complaint narrative:
I signed up with smile direct club years ago and never received my aligners. Then the company went out of business. Not only are they wanting me to pay the loan that was taken out by them. They moved it to collections and say I still owe {$1800.00} for something I NEVER RECEIVED. I have contacted XXXX collect and they told me theres nothing they can do about it that I would have to call the healthcarefinancial direct so I did that and they told me it is out of their hands since it is now in collections. This is ruining my credit score and is extremely unfair considering I never received the product that the loan was supposedly taken out for.

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

Complaint narrative:
They are asking me to pay a debt that my mom has but my mom doesnt has any DEBT with them, this company has been sued by the FTC before for scamming people and somehow they are still doing the same thing they got caught for I just made a report with FTC against them and I also made one through do not call. XXXX Im copying and pasting the legal document that was sent to them ( cease and desist ) due to them trying to scam people and making random stuff up. XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 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: Selene Holdings LLC
State: RI

Complaint narrative:
This is not a new issue in principle it is a repeat. I previously filed a CFPB complaint regarding escrow mismanagement and over-collection, which is already on record with the CFPB. That matter resulted in Selene closing my escrow account and issuing a formal Escrow Closing Notice effective XX/XX/XXXX. Selene has now reinstated escrow again, and I am forced to repeat an escalation process that was already completed and resolved. After the escrow account was closed effective XX/XX/XXXX, I have paid my property taxes directly and on time. I have not been XXXX XXXX delinquent on my mortgage within the past XXXX XXXX In XX/XX/XXXX, Selene advanced property tax payments mid-cycle ( including payments that were not yet due ) and reinstated an escrow account. This immediately increased my required monthly mortgage payment. I did not receive any clear written notice in advance that escrow was being re-established, nor did I receive a clear explanation of the contractual basis for reinstatement or an escrow analysis prior to the payment increase. Additionally : I was paying my property taxes quarterly throughout the year. Selene stepped in mid-cycle and made tax payments despite my timely payments. The tax disbursement made by Selene does not match the amount actually owed to the municipality. The online account portal does not identify the payee, tax period, or any calculation supporting the disbursement, raising concerns about escrow accounting accuracyespecially given prior escrow errors that required correction and a refund. The online portal now only allows the increased escrow-adjusted payment amount, preventing me from paying the amount due under the non-escrow arrangement. I attempted approximately XXXX phone calls and submitted multiple callback requests and was unable to reach a live representative. The system repeatedly promised callbacks that never occurred. I submitted written documentation regarding this issue more than 10 days ago and have not received a substantive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Validation of Debt Request - PORTFOLIO - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 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 debt in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
XXXX has suspended my account and is requiring a monthly statement that shows my linked debit card number. My debit card is issued by XXXX, and XXXX does not display debit card numbers on statements and does not provide debit-card verification letters. I submitted my monthly statement and an in-app card screenshot, but both were rejected. I am unable to comply with XXXX request because the required document does not exist for XXXX customers. I have requested a list of additional documents that I could sent in to move the process forward, but am being refused any further help. I am requesting a manual review and an alternative verification method so my account can be reinstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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