vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 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: MD

Complaint narrative:
Please see attached summary for the timeline of events/interactions with the department of education as described below : I have applied for buyback and been rejected. My congressional office has submitted an inquiry to the department of education as to why I was rejected. They tell me that I do not have 120 months of eligible employment and send me a table showing this. However, when I count the months in the table, it adds up to XXXX. I have shown this to them and they still refuse acknowledge that I have XXXX months. The second attachment is the most recent email I have received from the department of education. Thank you in advance for your assistance. XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint against Bank of America regarding a fraudulent debit account balance of {$9200.00} I reported this fraud multiple times ( approximately 10 times ) since XX/XX/year>, when the account was closed. Despite my repeated reports, I continue to receive monthly emails stating that I am responsible for this debt. I did not authorize these transactions. I have made several attempts to resolve this issue directly with the bank, but they have failed to provide a satisfactory resolution or clear evidence that I authorized the transactions. I am requesting : A full reinvestigation of the fraud claim Written documentation of how they concluded I am responsible Immediate removal of this debt from my account This situation is causing me significant stress and may impact my financial standing unfairly. I request your assistance in resolving this matter. Sincerely, XXXX XXXX XXXX XXXX

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 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Cedars Business Services , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Amount {$110.00} Account XXXX Name : XXXX XXXX ( which is NOT ME ) not related to this person Collection Agency : XXXX Business collecting for : Public storage XXXX XXXX XXXX XXXX, XXXX, CA XXXX this company is trying to collect {$110.00} from some XXXX XXXX that has the same birthday as me. However my Name is XXXX XXXX and I have never rented a public storage from XXXX XXXX located in XXXX ca. FACTS I have called the storage and they dont have any records that matches my telephone number, address or drivers license, the manager at the store told me that Cedars Business Services probably attached my name by mistake - I have never received any letter to dispute this before it was reported to my credit reports the 3 major credit report -They refused to sent me a copy of the purchase contract with the so call details I have requested nothing -I have received emails saying they are working on it but nothing has been resolved- I have called myself and talked to the manager and it has been confirmed this is not me is another person. DL, address, phone number nothing absolustely nothing has my name on it. XXXX THIS IS FRAUD XXXX THIS IS PERSONAL DEFAMATION -THEY HAVE RUIN MY XXXX CREDIT SCORE DROPPED XXXX POINTS XXXXAFFECTING ME WITH STRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
FAIR COLLECTIONS AND OUTSOURCI Is on my XXXX XXXX report and Ive never heard of this company.

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 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC
State: ID

Complaint narrative:
These people harass me XXXX XXXX XXXX times per day, XXXX times per week. Its BEYOND unprofessional, and just straight up criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: UT

Complaint narrative:
" I am filing this complaint because of a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am currently subject to a wage garnishment for a debt I am willing and ready to pay in full, but the debt collector is refusing to provide me with a detailed itemization of the balance. On [ XXXX XXXX XXXX XXXX ], I sent a formal written request via email to the collector asking for a complete payoff statement and a breakdown of the debt ( Case # [ XXXX XXXX XXXX XXXX ] ). To this date, they have ignored my request and have not provided any validation of the specific amounts they are claiming, which include principal, interest, and fees. Despite my clear communication and willingness to settle the debt, the collector proceeded to garnish {$600.00} from my paycheck on [ XXXX XXXX XXXX ]. This garnishment is causing extreme financial hardship, leaving me unable to pay for basic necessities like rent and food. I am requesting that the collector : Provide a full, itemized breakdown of the debt immediately. Cease the wage garnishment until the correct amount is validated and agreed upon. Credit or refund any amount already taken, as it was seized while they were ignoring my legal right to debt validation. I have a court hearing on XX/XX/XXXX and will present this complaint as evidence of the collectors lack of transparency and refusal to cooperate with a consumer acting in good faith. ''

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 2026-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I received a bill from Hawaiian Airlines World Elite Mastercard statement in my name in XXXX ( bill period from XX/XX/XXXX - XX/XX/XXXX ) ; in the amount of {$3100.00}, fees charge {$39.00}, interest charged {$70.00}. Statement balance as of XX/XX/XXXX was {$3200.00} ; past due amount {$860.00}. I called the company to report a fraud transaction and identity theft. It was not me whom owned the credit card and owed money. Someone stole my identity to open a credit card and the credit card was sent to a address different address other than my address. ( the stolen person address was : XXXX XXXX XXXX XXXX XXXX XXXX ; and another stolen person address : XXXX XXXX XXXX XXXX XXXX XXXX ) .I told them my correct address ; after that they sent the unpaid bill to my updated address. I told them that it was not me whom owe the money and requested them to remove it out of my name. I didn't know what was going on, after I dispute with Hawaiian company and gave them my address ; I received a unpaid bill from XXXX XXXX XXXX in the balance of {$3200.00} with my correct address. The account number on the paper was XXXX ; seller : Barclays Bank Delaware ; Merchant : Hawaiian Airlines, Original creditor : Barclays Bank Delaware ; original account number : XXXX, creditor : XXXX XXXX XXXX. I called the number XXXX on the paper and requested them to remove it out of my name. I told them it was not me whom owe the money. Someone had stolen my identity and created a credit card. they told me that I don't need to pay. I thought the problem had resolved. I received a letter from XXXX stating that this collection was deleted from my account. After this, I don't receive any more notice. I ran my credit today for personal reason ; and I realized that there was a collection from XXXX XXXX XXXX, phone XXXX, in the amount of {$3200.00} ( XXXX ). Barclays Bank Delaware XX/XX/XXXX, XX/XX/XXXX in the amount {$3200.00} ( original XX/XX/XXXX, {$2500.00} ), purchased by another lender. I called XXXX XXXX XXXX today XX/XX/XXXX to file an dispute and explained the previous disputing with them. I requested them to remove the collection out of my credit history. I need this collection to be removed from my credit report as soon as possible for personal reason. Please help me to contact XXXX XXXX XXXX for this identity theft which i have called and reported them many years ago. However, they did not do anything about it. Please contact me through my email address ; and I will provide addition information as needed.

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 2026-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year> i got a deposit of XXXX from a company named XXXX. Within hours of getting the deposit i had a large number of transactions with very large amounts from companies that I have never got charged by before. Well the transactions were approved repeatedly when after the first or second one, it should have been flagged. I disputed it with cash app and they approved some, but did not approve the them all. XXXXtay approved the first ones that were small.Amounts but denied the other ones, which is crazy.Because if you know, they were fraudulent, and you approved the first one, you would approve them.All. then, after I made the complaint, they decided to close my account for fraudulent activity. So if they came to the decision to close my account due to fraudulent activity, they knew all the charges were fraudulent. So they new, I did not make them.And instead of helping me as a customer, they decided to punish me, denied my claim and close my account. I don't think it is fair that they can take my money and not flag it. But yet they flag a XXXX charge for XXXX dollars, but yet take hundreds and hundreds of dollars from me to these fraudulent apps XXXX did not flag, not yet. One of them when I never made a purchase to them before.Never been charged by the company.So that should have been a flag when multiple hundreds and hundreds of transactions were repeated constantly. I do not think it is fair that they punish me.I do not care that they close my account.I care because they stole my money and refuse to give it back to me. It is wrong and I do not think it is fair that companies have the right to do this.To anybody. XXXX XXXX Dispute completed XX/XX/year> {$200.00} XXXX XXXX XXXX completed XX/XX/year> {$200.00} XXXX XXXX XXXX completed XXXX XXXX {$200.00} XXXX XXXX XXXX completed XX/XX/year> {$200.00} XXXX XXXX XXXX completed XX/XX/year> {$200.00} XXXX Dispute completed XXXX XXXX {$19.00} XXXX XXXX XXXX. Dispute XXXX XXXX {$100.00} XXXX XXXX XXXX... XXXX XXXX XXXX {$100.00} Dispute completed XXXX XXXX XXXX {$100.00} Dispute completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$25.00} XXXX XXXX XXXX XXXX completed XXXX XXXX {$20.00} XXXX XXXX XXXX {$50.00} Dispute completed XX/XX/year> XXXX XXXX XXXX Dispute completed XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX completed XXXX XXXX {$50.00} Support XXXX XXXX XXXX Dispute completed XXXX XXXX {$50.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX .. Dispute completed XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX completed XXXX {$50.00} Dispute XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$19.00} Is ridiculous. All them charges, but yet not one of them were flagged. It does not make him sense that they have the right to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Silver credit card thru capital one ending in XXXX its fraud I call number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Shared personal information with other people without my permission. This is a text from a friend and also address is not my address on the attachment This text is from Halsted Financial, a debt collector regarding your XXXX XXXX XXXX, XXXX. ( for which the current creditor is XXXX XXXX XXXX ) account. Visit XXXX XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please see the attached document. California License Number : XXXX Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding a collection account on my credit report for {$230.00}, which was opened on XX/XX/XXXX, and last updated on XX/XX/XXXX. I previously disputed this account and requested full validation of the debt. I asked the company to provide proof that this account belongs to me, including a signed agreement, full payment history, and documentation of the original creditor. However, the company failed to provide sufficient documentation to verify this debt. Despite this, the account continues to be reported on my credit report. This is a violation of my rights under the Fair Credit Reporting Act, which requires that all reported information be accurate and verifiable. I am requesting that this account be properly investigated and removed if it can not be fully verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Greenberg, Grant & Richards Inc.
State: IN

Complaint narrative:
hi team, My company owes on a tab with XXXX XXXX.Went to collection and an attorney in Texas bought the issue. had a few calls that were recorded and I was demanded and bullied into a payment term that I cont not afford. He emaled me, I replied that I do not agree. I can fwd the emails. This attorney untrained my XXXX wire instruction from XXXX XXXX bc I never provided this. This attorney started taking my money open of my account after repeated communication adding I cant afford {$2400.00} a month. I have been bullied into a payment plan that I can not afford by : Greenberg , Grant & Richards , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX They provided me this : Bank Wire Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TEXAS XXXX Swift Code : XXXX Account : XXXX ACH Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TEXAS XXXX Routing : XXXX Account : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MN

Complaint narrative:
XXXX XXXX had multiple opportunities to remedy XXXX XXXX in our home and never made any attempt to. They continued to charge us fees for their continued failures to properly repair and/or maintain their ownership responsibilities. They charged us inflated rental rates, and additional services that were never received, and made no effort to reimburse or even address our complaints. We submitted a 60-day notice, and they put us on a month to month lease, nothing signed, and tried saying we agreed to paying some crazy monthly rate we never signed or agreed to. The fraud and misrepresentation was 100 % constant with each and every interaction with this company. I missed countless hours from work to meet their people, for them to not call or show up, yet they would charge me if I didnt show up. All my windows had inches of ice on them, and all they did was put plastic up. I would never recommend any family or friends to ever rent from this company. They are awful!!! Its criminal.

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 2026-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I was approved for a {$5000.00} loan by SpeedyCash. I was contacted by XXXX XXXX XXXX at XXXX. He required a {$300.00} fee to fund the loan because of the checking account I was using. I forwarded the {$300.00}. Then he came back requesting an additional {$300.00} fee. I refused. He said that he would return the first {$300.00} fee. The last contact was a text on XX/XX/year> and a subsequent phone call. I have yet to receive the {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC Reported : XXXX. XXXX, XXXX {$550.00} MIDLAND CREDIT MANAGEMENT INC Reported : XXXX. XXXX, XXXX {$720.00} Needs Attention This company has these two on my credit report as hard inquiries and idk where they from when I call them they have no information also they are on my credit report report as open and they are not

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt of EducationXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Request for Debt Validation To Whom It May Concern I am writing to request validation of the debt referenced in your collection notice dated [ date of the notice ]. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request the verification of the debt, and I am exercising that right. Please provide me with the following information regarding the debt : 1. The amount of the debt. 2. The name of the original creditor. 3. Verification that you have the legal right to collect this debt. 4. Any documentation that confirms my responsibility for this debt. Please note that until this information is provided, I will consider this debt disputed. I expect your response within 30 days as required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
I contacted XXXX XXXX to get it taken off of my credit report because I paid it in full but they have no responded to me nor has Maderich Law firm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I got hurt and was out of work so I missed my mortgage payments so they set up a partial repayment plan that consisted as a trial for XXXX payments. I completed XXXX payments and when I went on to pay the last one I see that the last payment that I paid and was posted which I have bank Records for it wasnt applied to my account and the money is missing and the partial repayment plan I was on is gone and it says Im severely XXXX now in XXXX I keep calling and emailing and not getting any answers what happened and to fix this. They werent my original loan company my original company sold to this one.

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 2026-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cohen & Cohen Law, LLC
State: NY

Complaint narrative:
I took out an loan with XXXX they sold it to an third party name Cohen & Cohen Law , LLC I made payments an paid them off in full I ask for an letter stating that I paid them so I can report it to the credit bureau in XXXX XXXX this is still on my credit report the amount was about {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
My Daughter paid her rent from student apartment in XX/XX/XXXX, she was told by the leasing agent that her lease was up in XXXX. Her XXXX paid another Month. The leasing office agreed the lease was honored because her XXXX paid it out. She moved due to her totaling out her car and losing her job due to the business closed. She moved out of state with her father. In XXXX My Daughter receives a notice from XXXX XXXX stating she owes for unpaid rent and late fees. Stating student housing said she left without notice and without paying. When we reached out to student housing they refused to speak with us. The only time Ive heard from XXXX XXXX is when I attempted to dispute it on my credit they will send a email asking to pay the full amount. Ive asked for a contract showing I owe them XXXX and showing where she didnt pay her rent

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