vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 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: GA

Complaint narrative:
I have federal student loans that originated around XXXX and I have been in XXXX XXXX since approximately XXXX. My payments ranged from approximately {$50.00} $ 450 monthly and I have never defaulted. In XXXX, my loans were consolidated and transferred to MOHELA. My account history now only shows activity beginning in XXXX, and no prior payment history or progress toward XXXX XXXX ( XXXX ) forgiveness is visible. I am concerned that my years of qualifying payments from XXXX are not being properly credited toward XXXX forgiveness. My servicer history on StudentAid.gov shows XXXX XXXXXXXX XXXX XXXX XXXX prior to MOHELA, confirming a longer loan history. Additionally, I worked for a XXXX XXXX from XXXX and previously applied for XXXX but was denied. Given recent policy changes, I am also requesting confirmation that my qualifying payment counts have been properly evaluated. I am requesting : 1. A full payment count toward XXXX forgiveness 2. Confirmation that my pre-consolidation payments were credited 3. A written explanation of my projected forgiveness timeline I have never defaulted and have remained in good standing for many years. I am requesting a formal review of my account. I have already paid {$98000.00} in interest for a {$70000.00} loan balance.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a formal debt validation demand to Affirm via certified mail, invoking my rights under FCRA 1681s-2 and FDCPA 1692g. The letter was delivered on XX/XX/XXXX at XXXX XXXX. I demanded full validation of XXXX charged-off accounts appearing on my XXXX credit report, each bearing the identical comment " First payment never received. '' These accounts were purportedly opened between XXXX and XX/XX/XXXX, with original balances ranging from {$26.00} to {$200.00}. The uniform appearance of this identical notation across XXXX separate accounts opened within a XXXX window is inconsistent with legitimate account origination and raises serious concerns about whether these accounts were properly established. As of the date of this complaint, Affirm has not responded to my validation demand. The 30-day statutory period expires on or around XX/XX/XXXX. Simultaneously, I filed a dispute with XXXX regarding these same accounts. XXXX returned a result of " Verified and Updated '' for all XXXX accounts meaning XXXX accepted Affirm 's automated e-XXXX confirmation without obtaining any original documentation, while my direct validation demand to Affirm remained unanswered. I am requesting that the CFPB require Affirm to produce original signed loan agreements, payment histories, and account origination records for all XXXX accounts, and to delete any account it can not fully validate from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I checked my credit report and saw this and account from Transworld. I called XXXX and they said i needed to put a report with the FTC and sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CO

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my researchJEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I attempted to pay a settlement amount in good faith on XX/XX/year>, at approximately XXXX XXXX EST. I contacted Professional Debt Mediation, a collection agency acting on behalf of XXXX. XXXX XXXX ( XXXX. XXXX XXXX ), by phone. During this conversation, we agreed to a settlement amount of {$2200.00}, which is approximately 50 % of the alleged balance of {$4500.00}. The representative, XXXX, allowed me to select a payment date for the settlement, and I chose XX/XX/year>. Prior to submitting any payment, I requested a written settlement offer letter to clearly outline the terms of the agreement, including the original balance and the agreed upon settlement amount. Although I did receive the offer letter via email, it failed to clearly define key terms. Specifically, the letter listed two different balances : {$4500.00} and {$2200.00}. Without clearly stating which amount must be paid to satisfy the account as paid or settled. I was concerned because this lack of clarity creates ambiguity and leaves room for it to be misunderstood later. I emailed XXXX back and asked her if she could amend this letter so that I felt more comfortable making the payment to avoid any discrepancies later down the line. Her exact response was : The letter you received is the ONLY authorized letter we have and the ONLY offer letter you will receive. These are NOT custom letters. After multiple back-and-forth emails and another phone call to professional debt mediation. They still did not honor my request to amend this letter. So I then reached out directly to the original source, XXXX XXXX ( XXXX XXXX XXXX ) due to the discrepancies I was experiencing with professional debt mediation and also because XXXX XXXX still owns the debt. I emailed in an attempt to resolve the debt with them, However, XXXX XXXX was not cooperative in working toward a resolution either. Altogether I was trying to get them to do everything in a timely manner so that on the XXXX I could successfully make the payment. I even called for an extension because it was taking longer than expected. They refused and as of today they revoked the offer bringing the balance back to {$4500.00}. In conclusion the written offer professional debt mediation sent was very misleading. It failed to Clearly define the payment terms, and my request for clarification was refused. As a result, the delay in resolution was caused by Professional Debt. Mediation company 's lack of clarity rather than any inaction on my part. I remain willing to resolve this matter at the originally agreed settlement amount of {$2200.00}. But I need them to be clear and not misleading when sending the Settlement offer letter. Attached below are screenshots of the Various emails. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Guild Holdings Company
State: SC

Complaint narrative:
I made my normal XX/XX/year> payment on XX/XX/XXXX from my credit union checking account. Guild then proceeded over the next 2 days to withdraw this payment, an additional duplicate payment from my checking account, and THEN the next day attempted to withdraw a THIRD payment from my savings account, an account which I have never provided the ACH ( routing/account ) information for to ANY company. There was no reason to attempt to withdraw from another account from my checking, as there were sufficient funds for the third withdrawal in my primary account, even though two of the three were in error. The account they attempted to withdraw from was simply a membership deposit account with only a few dollars in it related to my credit union membership. I was charged an overdraft fee, which my institution reversed. I have no reason to have ever provided the routing and account information for this account to any third party. My Guild account showed my XXXX payment having posted and my current XXXX statement, which in no way indicated a missed payment or any late fees being due. Guild then took approximately a week to settle all of their attempts in error, reversing even the authorized payment, then sent physical mailed notifications that my payment was late and threatening late fees. After investigation, Guild had deposited one of the reversal credits into this savings account instead of simply crediting my original XX/XX/XXXX payment. In summary, Guild triple-charged me for my XXXX payment, attempted to withdraw one of the 3 payments from an account I never authorized them to use, then reversed all of the charges and then accused me of being late with my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I was scammed for {$800.00} through XXXX. I called Chime. They say they are FDIC but couldnt help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan Motor credit granted an extension based off my account being late due to the government shutdown. I signed the extension and made the payments as agreed. Nissan Motor credit deleted the extension paperwork and all other communication from my internal portal. Nissan then retaliated against me for requesting the credit bureaus to update the late payments. The vehicle was illegally repossessed and I was told I had to pay {$54000.00} to get the vehicle back.They refused to provide me with the documentation that was deleted from my portals. I was refused the refund of the three payments that i made to get the extension. Many of the representatives were very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX - Balance : {$620.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$1000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance : {$830.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Balance : {$34.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Balance : {$180.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account records contain clear inaccuracies and documentation deficiencies that compromise their reliability. I request a detailed reassessment to resolve all issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a complaint regarding an account that was fraudulently opened in my name as a result of identity theft. I did not open, authorize, or have any knowledge of this account with XXXX XXXX XXXX and/or Midland Credit Management . This account was created using my personal information without my consent. This issue is part of a broader identity theft situation that began in XXXX and continues to the present day. Since that time, unknown individuals have used my personal information to open accounts and conduct unauthorized financial activity without my knowledge or authorization. Additionally, in XX/XX/XXXX, my vehicle was broken into and my wallet, identification, and personal items were stolen, further exposing my personal information and increasing the risk of continued fraudulent activity. I have reported this matter and disputed the account ; however, it has not been properly resolved. I am not responsible for this account or any associated charges. I am requesting that this fraudulent account be immediately removed from my name and credit profile, and that all related activity be deleted. I also request written confirmation that I have no liability for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
CFPB Complaint Summary : Dispute of Accuracy and Collection Malpractice Subject : National Credit Systems , Inc . Category : Inaccurate information on your report -> Amount is incorrect 1. Dispute of Balance Accuracy ( Unauthorized Fees ) National Credit Systems ( NCS ) is reporting an inaccurate balance of {$8700.00}. This balance includes a {$3900.00} " Insufficient Notice Fee. '' Forensic review of internal communications from the original creditor ( XXXX XXXX ) dated XX/XX/XXXX, confirms that the Landlord initiated a " Notice of Non-Renewal '' and refused a lease extension due to arrears. Under Texas law, a landlord can not assess liquidated damages for " insufficient notice '' when the landlord has proactively terminated the right of occupancy. This fee constitutes an unauthorized amount under Texas Finance Code 392.303. 2. Failure to Conduct a Reasonable Investigation On XX/XX/XXXX, a formal Forensic Audit Report and Notice of Disputed Accuracy were sent to NCS executive leadership ( XXXX XXXX, XXXX ). The report documented the specific legal and mathematical errors in the ledger. NCS has failed to correct the reporting or provide a substantive rebuttal, violating the Fair Credit Reporting Act ( FCRA ) requirement for a reasonable investigation of disputed information. XXXX. Violations of Federal Regulation F and the TDCA Regardless of the debt 's validity, NCS has engaged in illegal collection tactics : Harassment : On XX/XX/XXXX, NCS placed four ( 4 ) telephonic communications within a XXXX window ( XXXX XXXX XXXX XXXX ), exceeding Regulation F frequency standards. Deception : NCS utilized " neighbor spoofing '' tactics by displaying a Connecticut ( XXXX ) area code to misrepresent the call 's origin, a violation of Texas Finance Code 392.304.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am currently in the process of trying to purchase a home, and as part of this, a mortgage lender performed a soft credit inquiry with my permission. Upon reviewing the results, I was shocked to discover that multiple accounts are being reported under my name by creditors I do not recognize and with whom I have no known relationship. I had not previously checked my credit because I did not know how to access or understand it. However, this recent review has revealed what appears to be fraudulent or inaccurate accounts that are severely harming my reputation, creditworthiness, and ability to qualify for a mortgage. I have not received any validation or supporting documentation from these creditors to prove the legitimacy of these accounts. Despite this, they continue to report negative information, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, this reporting violates my right to privacy and accuracy under : 15 U.S.C. 1681b which prohibits furnishing a credit report without proper purpose or written authorization. 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to ensure maximum possible accuracy. 15 U.S.C. 1681g & 1681i which require disclosure and reinvestigation of disputed information. 15 U.S.C. 1681c-2 ( Section 605B ) which mandates the blocking of fraudulent information resulting from identity theft. These unauthorized accounts are damaging my credit score and delaying my home purchase, all while no creditor has provided any documentation proving that these debts are valid or even belong to me. I am formally requesting that these unverified accounts be removed immediately from my credit report. Their continued presence constitutes both a privacy violation and defamation of my character, and I am asserting my rights under the FCRA for full correction of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Legal Department/Dispute Resolution Provision, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Correction of Billing Error and Refund Request for Reservation # XXXX for the XXXX XXXX XXXX XXXX All-Inclusive Resort, booked on XXXX XXXX. Due to an error, the booking was sent to a incorrect email address, XXXX instead of the correct email, XXXX. This critical mistake led directly to the cancellation of the reservation by an unauthorized third party. As a result of this error, there was an erroneous charge for a full amount of stay. {$2000.00} Reservation for the XXXX XXXX was made by phone on XXXX XXXX. The company incorrectly entered the email address, which diverted all communications to an unauthorized party. The reservation was cancelled without approval by the email recipient. Notification of a potential fraud incident was received by XXXX. For month, repeated attempts to secure reimbursement via phone and email were made to both the hotel and XXXX with each party deferring responsibility to the other. Despite these facts, their has been financial responsibility for a booking that was improperly cancelled due to the companies mistake. A full reimbursement of all charges related to this reservation is expected. Thank you for looking into this matter. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
They are a predatory lender. This was a cash advance in the amount of {$5000.00}. They charged {$500.00} off the top and took it out of the loan. They also put that {$500.00} back in the finance charges to make me pay back. The minimum payment every month was {$750.00}. It appears that only {$50.00} goes towards the principal. The rest are fees based on my balance In their contract it says if I can prove they violated my state 's fees that they would alter the contract. However, when I brought this to their attention, they said that they didn't do anything wrong. I told them that they're going to have to take me to court so we can settle this. Instead, they sold my debt to someone else.

Company response to consumer: Closed with explanation