vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage servicer, LoanCare LLC, placed my account into a loss mitigation/trial plan without my authorization. I did not request or consent to any forbearance, hardship, or modification program. As a result, my account was reported to the credit bureaus with a forbearance remark, which caused a drop in my credit score and is now negatively impacting my ability to refinance my mortgage. My account has remained current, and I recently made a substantial payment to reduce my principal balance. I have contacted LoanCare multiple times to request removal of this unauthorized status, and they have acknowledged my prior requests and stated the issue is being escalated. However, the inaccurate reporting and account classification have not yet been corrected. This issue is time-sensitive, as I am actively pursuing a refinance and the incorrect forbearance/loss mitigation reporting is jeopardizing my ability to secure a lower interest rate. I am requesting immediate correction of my account status and credit 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 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Eastern Account System indicated I owe {$600.00} as an unpaid balance for XXXX XXXX. I disputed the amount and asked to verify the debt, but they did not provide these details. I am attaching my statement balance from XXXX XXXX ( which includes all XXXX programs ) that indicates I only owed them {$160.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Please I need help with this collection agency call me all the time in a disrespectful manners I am filing this complaint regarding inaccurate and unverifiable information being reported on my credit report... thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and unverifiable information under 15 U.S.C. 1681e ( b ), 1681i, and 1681b. COLLECTION ACCOUNTS NATIONAL CREDIT ADJUSTMENTS XXXX XXXX XXXX Both accounts : Lack proof of ownership Lack contractual documentation Remain unverified They must be deleted. NEGATIVE TRADELINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate reporting Failure to verify Continued reporting without validation UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX No permissible purpose violation of 1681b. DATA ACCURACY ISSUE File inconsistencies ( name variation ) suggest potential mixed data, violating 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union withdrew money from my daughters account to pay my credit card without authorization. I am listed on her account for inquiries only. I do not have transaction authority, and my daughter did not authorize this debit. Navy Federal has given multiple inconsistent explanations, including : Claiming I am a joint owner Claiming my daughter added me as a joint owner because she was underage Claiming a XXXX transfer was made in my name Claiming the XXXX transfer came in to me I provided Navy Federal with their own XXXX confirmation showing the transfer was FROM me TO my daughter, not from her to me. My daughter and I do not recall whether she may have added me years ago when she was a minor. However, even if that were the case, Navy Federal would be required to have signed joint-owner documentation with my signature, ID, and SSN. Navy Federal has not produced any such documents. Despite this, Navy Federal refuses to reverse the unauthorized debit unless I enter a payment arrangement for my credit card. They also stated they would only return 25 % unless I agreed to a payment plan. This is coercive and improper. XX/XX/year> I am requesting : 1. Immediate reversal of the unauthorized debit {$930.00} 2. Correction of my daughters account status 3. Confirmation of my actual access level ( inquiry-only ) 4. A review of Navy Federals handling of this issue I have documentation showing the XXXX transfer was from me to my daughter, and Navy Federal has not provided any evidence that my daughter authorized any transaction from her account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I receive a text message almost daily to pay a debt a requested proof in writing for. I contacted the original debt holder and was not provided final bill. Last phone call I asked the representative to prove the amount owed and to stop calling. Text messages bost about tax season and paying with my tax return. Offering a deal to settle at more than 50 % off if what they are saying is owed without proof. Example of message below Credence Resource Management , LLC is a Debt Collector : Tax Season Incentive! Hi XXXX, make the most of your tax refund with a limited-time offer! Pay {$190.00} by XX/XX/year> and fully resolve your debt. Call XXXX or Pay : XXXX XXXX XXXX Rights XXXX XXXX XXXX XXXX Reply STOP to opt out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: TN

Complaint narrative:
Dear National Credit Systems , Inc., I am writing to formally dispute the alleged debt referenced in your collection notice regarding my former apartment. I do not recognize this balance of {$550.00}, and I believe these charges are unfair and inaccurate. My household moved out of the apartment approximately two months before the original end of the lease term under a payment agreement. Under that agreement, we continued paying what was owed through the end of the lease term. Because of this, I strongly dispute the additional charges now being claimed. The charges listed are not valid. I am being charged for electricity and water for months during which I was no longer living in the apartment. I am also being charged for alleged damage to blinds and cabinets, which I dispute. The blinds were intact, and the cabinets were in the same condition as when the apartment was delivered to us. In addition, I can not verify these alleged damages because the apartment lock had already been changed before the final delivery date, approximately one to two weeks in advance. This means I no longer had access to the unit before the final date. At the conclusion of the move-out process, it was signed that everything had been delivered properly. I also want to note that I never received a physical letter from the apartment management regarding these charges. I only became aware of this issue after receiving your collection letter by mail. After that, I had to search through my email to locate prior information. XXXX, the apartment management company, did not properly send me a physical notice regarding these charges. For these reasons, I formally dispute this debt and request full validation of the alleged amount. Please provide : A complete itemized statement of the {$550.00} balance Copies of the lease agreement and any payment agreement Copies of the final move-out statement Proof of the alleged utility charges and the dates they cover Proof and documentation of the alleged damages to the blinds and cabinets Proof that proper notice of these charges was sent to me The name and address of the original creditor Until you provide proper documentation validating this debt, I dispute its accuracy and validity in full. Please send all future communication regarding this matter in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
On XX/XX/year>, PayPal permanently deactivated our business account while an active account review ( Reference ID : XXXX ) was still in progress. We had fully complied with every document request submitted during the review, including business registration documents, supplier contracts, proof of fulfillment for all flagged transactions, and advertising invoices proving legitimate business operations. Despite full compliance, PayPal closed the account permanently and is holding {$13000.00} for up to XXXX days. The stated reason that information used to create the account could not be verified is inaccurate. All business information is documented and verifiable. Throughout the review process, we attempted to communicate through our assigned PayPal account manager in the XXXX office. The account manager refused to escalate our case or provide context to the risk team, and was unresponsive to repeated requests for assistance. We sell physical home textile products through a legitimate registered business incorporated in XXXX XXXX. Our sales volume increased approximately 30 % due to expanded digital advertising, which triggered an automated risk review. The account was permanently closed before that review was completed. We have requested an explanation and early release of held funds multiple times. PayPal has not responded to these requests. The XXXX hold on {$13000.00} is causing significant financial harm to our business operations. We are requesting immediate review and early release of the held funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I canceled my experian account membership in XXXX of XXXX. I've continued to be charged ever since. With my credit card company, I have been able to reverse the charges as they come if I catch them. But I still get charged every month regardless. I've gone on to experience website, and actually deleted my entire account even after I had discontinued my paid membership. Still, I continue to be charged every single month.

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 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2026 Subject : Unauthorized Forbearance and PSLF Impact MOHELA Account # XXXX I am filing this complaint regarding MOHELAs handling of my student loan account ( Account # : XXXX ). I was placed into administrative forbearance without my request or authorization. I did not request this status change. Since discovering this issue, I have contacted MOHELA on XXXX separate occasions to request that the forbearance be removed and that my loans be returned to active repayment. Despite these efforts, no corrective action has been taken. I have also been informed that there is no record of my calls, which raises serious concerns about their recordkeeping and servicing practices. This issue is time-sensitive because I am actively pursuing Public Service Loan Forgiveness ( PSLF ). Time spent in forbearance does not count toward qualifying PSLF payments, and this unauthorized status may negatively impact my progress toward forgiveness. Additionally, my account reflects inconsistent loan statuses, with some loans showing no payment due while others show a payment due, which adds further confusion and concern. I have submitted a formal written dispute to MOHELA via their online portal and by certified mail on XX/XX/2026. I am requesting that MOHELA : Immediately remove the unauthorized administrative forbearance Return my loans to active repayment under a qualifying plan Conduct a full review of my account and servicing history Confirm whether any affected months can be credited toward PSLF due to service error Provide a written explanation for why this forbearance was applied without my consent I am seeking prompt resolutions to ensure my account is accurate and that my PSLF progress is not negatively impacted due to servicer errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, I discovered that my checking and savings accounts with Capital One were placed into a negative balance totaling approximately {$3600.00} due to a garnishment or legal hold initiated by XXXX XXXX XXXX through XXXX XXXX XXXX, XXXX. I immediately contacted Capital One and requested documentation supporting this action. The bank informed me that the account was marked as a garnishment ; however, they were unable to provide a valid court order, writ of garnishment, or any signed legal documentation authorizing the XXXX or restriction of my funds. I have never been served with any lawsuit related to this matter, nor have I received any notice of legal action from XXXX XXXX or their attorneys. Additionally, I have searched applicable court records and have been unable to locate any case, judgment, or garnishment order associated with my name. A lawful garnishment requires a valid court judgment and proper service of process. Without these, any restriction or removal of funds is unauthorized and may constitute violations of federal law, including the Electronic Fund Transfer Act ( EFTA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of this alleged debt and the legality of the actions taken against my bank account. I am requesting : Immediate release of any holds or restrictions placed on my accounts Full reimbursement of any funds improperly removed or held Copies of any court orders, judgments, or legal documents authorizing this action A full investigation into the conduct of both Capital One and XXXX XXXX If this matter is not resolved promptly, I will pursue further legal action and additional regulatory complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
My escrow account was recalculated and payment increased effective XX/XX/year>. I incorrectly entered the date as XXXX. When I realized my error I had my bank ( I use online bill pay service ) issue another check to make up the difference. I also called them to let them know I knew and had corrected the error. AT NO TIME did they say, oh well too bad you can't do that. We'll be sending your check back. Today I opened my mail to find they returned my initial payment. I assume that they'll also send the other payment back. This is RIDICULOUS! Now, I have to come up with an additional {$4000.00} to make the payment while all these checks travel around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
I am filing this complaint against Lendbuzz for funding a fraudulent auto loan contract from XXXX XXXX and for refusing to communicate with me. I have written proof ( a text message ) from a former dealership employee stating that I was charged for coverages and products that do not exist on my contract. These non-existent products have inflated my loan principal significantly. When I attempt to contact Lendbuzz to discuss this fraud and request a payment deferment until my tax refund arrives, their representatives repeatedly hang up on me or pretend they can not hear me. I have already sent a formal email to Lendbuzz putting them on notice regarding this fraud and their deceptive communication practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: AR

Complaint narrative:
I am submitting this complaint regarding OneMain Financials failure to conduct a reasonable investigation and their restriction of communication during an active dispute. I previously disputed the accuracy of delinquency reporting on my account. In response, OneMain Financial provided general policy explanations but failed to provide an account-level breakdown showing how the reported delinquency statuses ( XXXX, XXXX, XXXX, XXXX days past due ) were calculated. I have NOT been XXXX days late as reported, and they refuse to provide proof. Specifically, they did not provide : A detailed, date-specific delinquency timeline A complete transaction history with full timestamps A reconciliation between attempted payments and reported delinquency levels Despite these deficiencies, OneMain Financial stated that they considered the matter addressed and indicated they would not respond to further inquiries unless new issues were raised. When I attempted to respond to their most recent correspondence, my emails were returned as undeliverable with a sender not allowed error. This has prevented me from submitting additional information or responding to their claims. This raises serious concerns regarding whether a reasonable investigation was conducted, as I have been effectively prevented from continuing the dispute process. As a data furnisher, OneMain Financial is required under the Fair Credit Reporting Act to conduct a reasonable investigation and substantiate the accuracy of the information it reports. Their failure to provide supporting documentation, combined with restricting my ability to respond, indicates that these obligations have not been met. I am requesting that OneMain Financial : 1. Provide a complete, account-level breakdown supporting all reported delinquency statuses, or 2. Correct or delete any information that can not be fully substantiated Additionally, I request that they provide a valid and functional method of communication so that I may participate in the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Judgement lien was entered XX/XX/XXXX. Amount was paid XX/XX/XXXX. ( {$2000.00} ) The pendingamount.hasnt been released. XXXX XXXX bankruptcy was granted XX/XX/XXXX, including this creditor. Chase Bank refuses to release judgement already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery states that I owe them money, they are a collection agency. I asked them to stop calling me. But they continue to call. At least XXXX times a day. I Do not answer. They also text me messages at XXXX times a week.

Company response to consumer: Closed with non-monetary relief