vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Around XX/XX/XXXX, I sent certified mail debt validation and dispute letters to Experian , as well as to the associated collection agencies. Approximately three weeks later, I received responses from the credit bureaus stating they were unable to verify my identity. In response, I promptly sent identity verification documents via certified mail, including a copy of my drivers license, Social Security card, and proof of address. After submitting this information, I received no further written correspondence from any of the credit bureaus. Instead, the bureaus proceeded to update my credit reports electronically, indicating that the accounts were verified and updated through their online dispute systems, without providing me any written notice, explanation, or documentation of how the debts were verified. This response did not meet the requirements of proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) .. Additionally, I sent follow-up certified letters to Experian , requesting : Continued investigation of the disputed accounts The method of verification used to allegedly confirm the debts To date, I have received no written responses from any of the credit bureaus regarding these requests. All activity has occurred solely through electronic updates, without proper notice or disclosure of verification methods. As of XX/XX/year>, one of the four collection accounts was removed, which further supports my position that the remaining accounts were not properly verified. Based on the above, I believe the credit bureaus and collection agencies have : Failed to provide proper debt validation Failed to disclose the method of verification Failed to provide required written responses Failed to comply with the 30-day investigation requirement Continued reporting unverifiable information I believe these actions constitute noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and that my credit file has been mishandled.

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 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened an HSA Account with HSA Bank. I have been automatically depositing funds from my paycheck each week. I went to use the provided debit card to pay for a prescription, but the card kept getting declined, even though there was more than sufficient funds in the account. I contact HSA regarding this matter. I was told they are no longer using the XXXX card they provided me and they cancelled it. I asked why was I never notified or asked if this is what I wanted. They refused to provide any answers. I asked about getting a new card, they would not respond. They have over {$2200.00} of my money and continue to receive new deposits every paycheck, but I have no way to access the funds or pay for medical bills. Their customer service was extremely rude, unprofessional, and refused to help. They have refused/failed to provide a new debit card to enable me to pay my medical bills with fund set aside to pay said bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Online Information Services is attempting to collect a {$390.00} debt on behalf of XXXX XXXX XXXX. This account is being reported as open, with a date opened of XX/XX/XXXX, and a balance of {$390.00}. This debt is not valid and has been incorrectly assigned to me. 

I vacated the residence located at XXXX XXXX XXXX, XXXX, FL in XX/XX/XXXX, after which I no longer occupied, controlled, or had access to the property. In XX/XX/XXXX, I contacted XXXX XXXX XXXX to request a final bill, ensure service disconnection, and obtain a final meter read, which was completed at that time. 

After I vacated the residence and the final meter read was conducted, responsibility for the property reverted to the landlord. The property was subsequently re-rented to new tenants under a lease dated XX/XX/XXXX, and I had no further responsibility for utility usage at that address. 

The balance now being collected {$390.00} is based on utility usage from XX/XX/XXXX through XX/XX/XXXX, which occurred after my move-out date and after the final meter read was completed. These charges were incurred by parties other than myself. 

Despite these facts, Online Information Services is : Reporting the account as open, which is inaccurate Reporting an incorrect date opened ( XX/XX/XXXX ) Attempting to collect charges incurred months after I vacated the property This constitutes a billing error, misattribution of debt, and inaccurate credit reporting. I have substantiating documentation due to a similar prior issue with the XXXX of XXXX, including move-out records, utility communications, and lease documentation showing new tenancy. 

I am requesting immediate deletion of this account, cessation of collection activity, and written confirmation that this debt has been removed from my credit file. If the furnisher believes this debt is valid, I request full documentation including meter read records, service dates, proof of account responsibility, and evidence supporting the reported dates and balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Formal Complaint to PNC Bank FROM : XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX TO : PNC Bank XXXX : XXXX Client Relations/ Escalations Dept. PNC Bank XXXX XXXX DATE : XX/XX/year> RE : FORMAL COMPLAINT & NOTICE OF REGULATORY VIOLATION ( Account Ending XXXX ) To the Office of the President / Executive Escalations : I am writing to formally lodge a serious complaint regarding my PNC Simple Checking Account ( Account # XXXX ). 

Incident Details : I am reporting a violation of banking compliance and XXXX XXXX XXXX XXXX XXXX XXXX regulations involving this account and XXXX XXXX XXXX. Specifically, I was coerced into providing false information to satisfy XXXX rules regarding this " XXXX '' account. I was forced to state inaccuracies on the record to maintain or access my banking services. 

Evidence : Please be advised that I possess a recording of this interaction. This audio evidence clearly demonstrates that I was instructed to provide false data under duress.

Resolution Requested : An immediate audit of the account and the specific XXXX  verification process logs.

Written acknowledgement of this complaint within XXXX business days. 

Rectification of the false information on file without penalty to me, as it was entered under coercion. 

Failure to address this matter will result in my immediate escalation of this complaintalong with the audio evidenceto the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( XXXX ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I RECEIVED A TEXT NOTICE FROM XXXX XXXX  STATING I OWE A DEBT TO LVNV FUNDING WHEN I OWE NOTHING TO ANYONE. LVNV FUNDING IS CLAIMING THAT THEY BOUGHT MY DEBT FROM SOMEONE ELSE BUT HAS NOT BEEN ABLE TO PROVE TO ME THAT THEY LEGALLY OWN MY SO-CALLED DEBT FOR OVER 3 YEARS WHILE STILL REPORTING TO CREDIT BUREAUS. WHO OWNS THIS DEBT?? THESE COMPANIES ARE ATTEMPTING TO GET MONEY FROM ME BUT NO ONE IS LEGALLY PROVING TO ME THIS DEBT IS MINE. THIS IS WRONG AND CAN NOT BE LEGAL!!!! XXXX XXXX  NEEDS TO IMMEDIATELY PROVE TO ME THAT THEY ARE LEGALLY ABLE TO COLLECT THIS DEBT. ACCORDING TO 15 U.S CODE 1692G, I AM IMMEDIATELY REQUESTING 1 ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I SIGNED FOR THIS DEBT. 2 ) A DETAILED LIST OF MY HISTORY OF PAYMENTS 3 ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL CREDITOR. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. 4 ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!! 5 ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED AND 6 ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET. I HAVE REACHED OUT TO RESURGENT/ LVNV FUNDING LLC AND REQUESTED A DEBT VALIDATION BUT WAS ONLY SENT AN ACCOUNT SUMMARY WHICH DOES NOT PROVE THIS DEBT IS MINE. I HAVE ALSO MADE SEVERAL CALLS AND HAVE BEEN TOLD REPEATEDLY THAT SOMEONE WOULD CONTACT ME YET NO ONE HAS. THIS IS RIDICULOUS AND I AM NOT OKAY WITH YOU COMPANIES HARASSING ME WHEN NO ONE HAS BEEN ABLE TO VALIDATE THIS DEBT. I AM IMMEDIATELY REQUESTING AN INVESTIGATION!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I work XXXX  I had scheduled payments from XX/XX/XXXX with Barclays online for payments to be taken out on XX/XX/XXXX. I noticed it hadn't gone through so I thought I made an error with the transaction so I requested for payment to be taken out again on XX/XX/XXXX. Upon, receiving XXXX letters on the XXXX from Barclays I realized that my account that I was paying from was compromised and I immediately called Barclays. I spoke to a representative where the account was notated and recorded that I told him the issue I was facing and he told me that as long as I pay the account by or before XX/XX/XXXX then the account would be fine and I was receiving letters from Barclays just because they are automated. I clearly stated to the representative that I am calling to ensure I stay in good standing with Barclays as I don't want Barclays to think I am purposely missing payments or not paying. He assured me I was fine and to try to pay from my other bank account and even told me about the fees that would be on the next statement and seeing that two payments were reversed I personally ensured to make payment for those two payments and also extra to start covering the return payment fees. I followed the guidance from a Barclay representative and made the required payment before XX/XX/XXXX. 

Upon making the payment on XX/XX/XXXX and payment posted on XXXX XXXX and taken out of checking account, Barclays then proceeded to close the account within a few hours of that payment, because the resubmitted payment from the old account that I informed to them was compromised which should have been cancelled and not resubmitted was still resubmitted. I contacted them and was told to contact their XXXX XXXX XXXX on the XX/XX/XXXX as they were already closed. I called the XXXX XXXX XXXX and was told that nothing can be done. No review was made to even say based on your circumstances this is what we will do. It was simply a 'no, ' because the account was just opened and 60 days overdue even though I called on XX/XX/XXXX. XXXX XXXX of having a customer service line is to help find resolutions for your customers, the rep didn't cancel the compromised account payment nor say " XXXX XXXX XXXX your account is coming up close to over 60 days put through a new payment by this date I'll cancel the bad payment so we can get your account in good standing since you are in communication with us, '' nothing to help the consumer especially when I was forthcoming and acting in good faith. I asked if this conversation On XX/XX/XXXX could be documented as a formal dispute of closure she said no I have to write a letter to their P.O Box. I asked if I can get a reference number she stated that I have to write the letter.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
I RECEIVED A TEXT NOTICE FROM SHEPHARD OUTSOURCING STATING I OWE A DEBT TO XXXX XXXX  WHEN I OWE NOTHING TO ANYONE. XXXX XXXX  IS CLAIMING THAT THEY BOUGHT MY DEBT FROM SOMEONE ELSE BUT HAS NOT BEEN ABLE TO PROVE TO ME THAT THEY LEGALLY OWN MY SO-CALLED DEBT FOR OVER 3 YEARS WHILE STILL REPORTING TO CREDIT BUREAUS. WHO OWNS THIS DEBT?? THESE COMPANIES ARE ATTEMPTING TO GET MONEY FROM ME BUT NO ONE IS LEGALLY PROVING TO ME THIS DEBT IS MINE. THIS IS WRONG AND CAN NOT BE LEGAL!!!! SHEPHARD OUTSOURCING NEEDS TO IMMEDIATELY PROVE TO ME THAT THEY ARE LEGALLY ABLE TO COLLECT THIS DEBT. ACCORDING TO 15 U.S CODE 1692G, I AM IMMEDIATELY REQUESTING 1 ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I SIGNED FOR THIS DEBT. 2 ) A DETAILED LIST OF MY HISTORY OF PAYMENTS 3 ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL CREDITOR. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. 4 ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!! 5 ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED AND 6 ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET. I HAVE REACHED OUT TO RESURGENT/ XXXX XXXX XXXX AND REQUESTED A DEBT VALIDATION BUT WAS ONLY SENT AN ACCOUNT SUMMARY WHICH DOES NOT PROVE THIS DEBT IS MINE. I HAVE ALSO MADE SEVERAL CALLS AND HAVE BEEN TOLD REPEATEDLY THAT SOMEONE WOULD CONTACT ME YET NO ONE HAS. THIS IS RIDICULOUS AND I AM NOT OKAY WITH YOU COMPANIES HARASSING ME WHEN NO ONE HAS BEEN ABLE TO VALIDATE THIS DEBT. I AM IMMEDIATELY REQUESTING AN INVESTIGATION!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
I cancelled my policy with XXXX XXXX in XXXX of XXXX and joined XXXX XXXX as I had repeated prior issues with XXXX XXXX. In XXXX, I received notice that I had a balance owed of {$6.00} due on XX/XX/XXXX. I then received a collection letter from Credit Collection Services that I owed a balance of {$630.00} to XXXX XXXX. I immediately logged in to their website and stated that the debt was not valid and that the account was paid in full. After a good XXXX days they stated the debt was in fact valid. I then call XXXX XXXX on XX/XX/XXXX to verify the debt. The agent stated " I see here that the total balance is {$6.00}. Once that is paid we can pull the file. '' I paid the {$6.00} and the agent stated " I will have the file pulled immediately ''. Today, XX/XX/XXXX, I received an alert showing that it is now on my credit report. I need it removed as I paid the debt and never received a bill from XXXX XXXX for {$630.00} so how could it even go to collections and how do they have no record of it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CO

Complaint narrative:
I am submitting this complaint regarding a federal student loan consolidation, income-driven repayment agreement, and loan forgiveness terms that were established in XXXX but later disregarded after servicer transfers and the COVID-era payment pause. 

In XXXX, my federal student loans originally serviced by XXXX were consolidated into a Direct Consolidation Loan and transferred to XXXX This consolidation was set up with the assistance of XXXX XXXX XXXX XXXX, and all XXXX  loans were paid in full and closed, which is reflected on my credit reports showing {$0.00} balances and an 89 % on-time payment history. 

The consolidation terms provided to me at the time were as follows : - Original amount borrowed : {$35000.00} - Total owed with interest at consolidation : {$63000.00} - Initial payments : XXXX payments of {$190.00} - Ongoing payments : {$40.00} per month for 240 months - Total repayment amount : {$10000.00} - Loan forgiveness amount : {$52000.00} I made the required initial payments and several of the {$40.00} monthly payments until the COVID-era administrative forbearance was implemented. During this time, I later re-enrolled in school using XXXX GI Bill benefits for a different institution, which did not apply to the original XXXX loans that are the subject of this complaint. 

In XXXX, I began receiving collection letters from EDFinancial claiming I owed {$43000.00}. This claimed balance did not account for my prior consolidation, payments made, or the agreed forgiveness terms. I did not receive a clear explanation or accounting showing how this balance was calculated. 

The EDFinancial account was later closed on XX/XX/, and the loan was transferred to the Department of Education, which now reflects a balance of approximately {$44000.00}. This amount appears to improperly revive debt that had already been consolidated and partially repaid under a documented income-driven repayment agreement. 

I am requesting that my account be fully reviewed, that all prior payments be properly credited, that the original consolidation and forgiveness terms be honored, and that any incorrect balances and adverse credit reporting be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The due date is the XXXX of every month. There is a 15-day grace period. I made 4 payments ( XXXX, XXXX, XXXX, and XXXX ). Three of those payments were not processed through my bank until the XXXX. According to the attached payment history, your representatives went the system and reversed two payments illegally. The money was readily available in my account the entire time. There are no records from my bank of any rejections, and all payments went through immediately without incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BROKER SOLUTIONS, INC.
State: MS

Complaint narrative:
I have been trying to get my payoff for the last 30 days. I have called numerous times and been lied too. They will only do it by email and again I have been told it was coming several times with no luck, last time I spoke to a rep it was supposed to be here XX/XX/year>. Longer they wait the more it costs me. They also do not give me a breakdown of the details of the escrow and additional fees the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc
State: CA

Complaint narrative:
Possible Finance is reporting a {$47.00} collection account on my credit file under the name POSSIBLEFINA. I never received any written notice of this alleged debt prior to it being placed on my credit report, in direct violation of FDCPA 15 U.S.C. 1692g ( a ). I was deprived of my lawful right to dispute or request validation before adverse reporting occurred. 
After discovering this account, I requested proper validation. Possible Finance has failed to provide any competent evidence that this debt is accurate, owed, or legally enforceable. No account agreement, no transaction history, no payment ledger, no itemized balance explanation, no proof of default, no date of first delinquency, no evidence of how the {$47.00} balance was calculated, and no documentation showing lawful authority to report or collect this debt have been provided.

Reporting a specific dollar amount without transactional support is a clear violation of FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ), which require furnishers to ensure maximum possible accuracy. Continuing to report after a consumer dispute without proper verification violates FCRA 1681i ( a ) and 1681s-2 ( a ) ( 3 ). This conduct also violates XXXX XXXX standards requiring that all reported data be factual, verifiable, and supported by business records. 
Simply labeling a balance as verified does not satisfy the legal standard of verification. Unsupported assertions are not evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding a medical debt being collected by GLA Collection Company for an alleged balance of {$2200.00} related to an XXXX XXXX 

The collection account was reportedly placed in XX/XX/year>. However, the last time I received cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I relocated in XX/XX/year> and was no longer an established patient by XX/XX/year>. 

I only recently became aware of this collection account and received no contemporaneous billing statements, no notice that insurance was not billed, and no opportunity to resolve this directly with the provider prior to collection activity. As they are now a new practice. 

After disputing the debt, I requested validation and documentation. During a phone call, GLA Collection Company stated that they are not required to provide an itemized bill, proof of debt, or documentation substantiating the charges. I sent an email requesting this in writing. As of this complaint, I have not received an itemized statement, proof of services rendered, proof of financial responsibility, or documentation showing insurance billing attempts or explanations of benefits or any further communication thereof. 

I had active health insurance at the time of the alleged services. The hospital billed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  is inconsistent with standard medical billing and raises concerns of improper billing, global maternity billing errors, failure to bill insurance timely, or retroactive self-pay charges. 

Despite the lack of validation, this debt is being collected and/or reported, which I believe may constitute unfair or misleading practices under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and inaccurate credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

GLA Collection Company has not provided documentation from the provider substantiating the accuracy or legitimacy of the charges.

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