vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
On XX/XX/year>, I sent Resurgent Capital Services a written debt validation request pursuant to 15 U.S.C. 1692g. In that request, I demanded proper validation of the alleged debt, including : The name and address of the original creditor A complete itemization of the alleged balance Proof of your legal right to collect this debt ( chain of title/assignment ) A copy of the original contract or application bearing my signature On XX/XX/year>, Resurgent Capital Services responded by merely stating that the debt was verified. This response failed to provide lawful validation. No original signed agreement, no chain of title, no itemized accounting, and no documentation proving LVNV Funding LLCs ownership of the alleged debt were provided.

Despite your failure to properly validate the debt, you have continued collection activity and continued furnishing this account to the consumer reporting agencies.

Your actions constitute, but are not limited to, the following violations : 1. FDCPA Violation 15 U.S.C. 1692g ( b ) Continuing collection activity without first providing proper validation of a disputed debt.

2. FCRA Violations 15 U.S.C. 1681s-2 ( a ) and ( b ) Furnishing and failing to correct inaccurate or unverified information after receiving notice of dispute and failing to conduct a reasonable investigation.

These unlawful actions have caused financial harm, including damage to my credit profile and loss of access to favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing an alleged debt being reported by Jefferson Capital Systems that is inaccurately and unlawfully associated with a former Badcock XXXX account. 
In XXXX, I was granted a {$500.00} credit limit with Badcock XXXX. The highest balance on this account was approximately {$340.00}, which was paid in full in XXXX  prior to my relocation to XXXX, Florida. The only merchandise purchased was a queen bed and railings. No additional purchases, credit increases, or contractual modifications were ever authorized by me. 
As of XXXX, Jefferson Capital Systems is now reporting that I owe {$4300.00}, an amount that is grossly inaccurate, unexplained, and unsupported by any original documentation. Despite my requests, Jefferson Capital has failed to provide a copy of the original signed credit agreement, billing statements, or any itemized accounting that would substantiate this alleged balance. 
For several years, my credit report accurately reflected this account as Badcock XXXX with a {$500.00} limit and paid balance. However, after I initiated disputes and validation requests, the original Badcock account was entirely removed, and Jefferson Capital continues to report this inflated and unverifiable debt instead. This raises serious concerns regarding re-aging, inaccurate reporting, and improper debt collection practices. 
Jefferson Capitals actions violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by reporting inaccurate information and failing to validate the debt upon request.

I am requesting that the CFPB require Jefferson Capital Systems to : Provide full validation, including the original signed agreement and a complete payment history ; or Immediately delete this account from all consumer reporting agencies due to lack of substantiation. 
This debt is not accurate, not validated, and not legally enforceable as reported. I am requesting permanent removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal or blocking of certain information on my credit report. My name is XXXX XXXX, and I am a victim of XXXX  XXXX. Due to the circumstances of this exploitation, there are entries on my credit report that do not accurately reflect my financial responsibility and were a direct result of fraudulent or coerced activity. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), victims of XXXX  XXXX have the right to have fraudulent information removed or blocked from their credit reports to prevent further harm. I kindly ask that you investigate and remove or block any accounts, inquiries, or negative information that resulted from this situation.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been a customer of [ Your Bank Name ] for several years. Since XX/XX/year>, a company called XXXX  XXXX XXXX XXXX has been withdrawing money from my checking account without my permission or authorization. 

The charges are as follows : XX/XX/year> : {$27.00} XX/XX/year> : {$27.00} XX/XX/year> : about {$120.00} Total : approximately {$170.00} I contacted Take XXXX XXXX XXXX  several times requesting a refund, but I have not received any money back. I also contacted my bank multiple times to dispute these unauthorized charges. 

The unauthorized charges finally stopped after XXXX, but my money has still not been returned. 

I am requesting that the bank investigate these unauthorized withdrawals and return the total amount of {$170.00} to my account as soon as possible.

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 monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my son and I attempted to withdraw {$200.00} from an ATM at XXXX XXXX XXXX. We tried several different ATMs, but each attempt failed. No cash was dispensed, even though my daily ATM withdrawal limit is {$900.00} and my PIN had already been successfully created through the online account. 
We contacted customer service to determine the issue. The representative confirmed that the PIN was valid and advised us to try another ATM. We did so, but received the same result. 
Later, we discovered that our account had been restricted. It appears that instead of helping resolve the issue, the account was locked or flagged during our call with customer service. 
We called back while still at the airport and spoke with a representative in the XXXX department named XXXX at approximately XXXXXXXX XXXX Unfortunately, he was unable to assist us or provide a clear explanation. 
What is most concerning is that both representatives had already verified our information by phone to access the account. Despite this, XXXX from the fraud department stated that the issue was no longer a simple identity verification, but an income verification, without explaining why this was required or how it related to our situation. 
Receiving a restriction notice after having our information verified twice is extremely frustrating. This situation has caused significant stress and inconvenience while traveling. I feel that I was treated unfairly and singled out, and that a straightforward identity verification was unnecessarily escalated. 
This entire situation appears to have been caused by an internal error, and I am requesting that the restriction be reviewed and removed as soon as possible. Requested information was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An unauthorized ACH transaction of around {$90000.00} occurred approximately three months ago. ( XX/XX/year> ) fromt my business account. Wells Fargo denied reimbursement citing timeliness, without adequately addressing whether the transaction was authorized under Regulation E. I am requesting a full investigation and written explanation of the authorization determination.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga XXXX XX/XX/XXXX To : Equifax Re : Dispute Under 15 U.S.C. 1681 Lack of Written Consent Dear Equifax , I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to formally dispute the collection, furnishing, and/or release of my consumer credit information without my written authorization. 

Specifically, I have identified that my consumer report and/or related personal information has been accessed or furnished without my knowledge, permission, or consent. Under the Fair Credit Reporting Act, consumer reporting agencies are prohibited from furnishing a consumer report except for purposes expressly authorized by law, and most importantly, only with the consumers consent where required. 

I hereby demand : XXXX XXXX XXXX XXXX Removal of any inquiries, accounts, or information that were furnished or obtained without my authorization. 
XXXX. A reinvestigation into the matter in compliance with 15 U.S.C. 1681i, and written confirmation of the results of your investigation. 

If you are unable to provide verifiable proof of my signed written authorization granting such access, you must immediately delete the unauthorized items and ensure that no further release of my information occurs without proper consent. 

Please respond to this dispute within the 30-day period required by law. Failure to comply will constitute willful noncompliance with the Fair Credit Reporting Act, and I reserve the right to pursue further remedies as provided under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STELLAR BANCORP INC.
State: TX

Complaint narrative:
XXXX XXXX deceased XX/XX/XXXX XXXX changed accounts without rightful consent because death of my mother.Accout has changed completely than the way my father wanted it ; I went there Friday ; she gave me and XXXX personal information so her supervisor knows. I called today Monday XX/XX/XXXX ) now waiting on another manageXXXX XXXX to discuss case by Im running out of statute of limitations for statute of limitations is getting really close. I need to file a form to freeze account until further investigation can be completed. Please I need help to know why beneficiaries were changed and XXXX now completely disregarded. My number XXXX my email is XXXX Community Bank of Texas Stellar is now in control Direct line XXXX XXXX XXXX Her managXXXX is XXXX XXXX XXXX XXXX XXXX, Texas XXXX Needing to know how account was changed to two different beneficiaries Asking for original information on how the account was set up in the beginning ;

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 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I sent a customer a payment link via Square for a used tire replacement service under my business, Shortly after the transaction, Square froze my account without providing a clear explanation. I was informed that my funds would be held for 90 days and that my account had been deactivated.

This is the second time Square has taken this action against me without explanation. As a small business owner struggling to stay in business, every dollar matters. Holding my funds for 90 days without justification and deactivating my account has caused significant financial hardship and disrupts my ability to operate.

I currently have two business accounts with Square the newer account was abruptly deactivated without explanation, with funds held for 90 days.

Despite my history of compliance and good standing with Square, I was not provided with specific reasons, evidence, or an opportunity to resolve any alleged issues. This lack of transparency and access to my own earned funds is unfair and harmful to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone opened a credit card under my name. 
XXXX XXXX XXXX was opened on XX/XX/year> in the amount of {$750.00}, without my consent and knowledge. 1 contacted to credit bureau to fix the issues, but there is no response. Please help me to fix this issues to improve my credit history. 
I need to buy a house and a car. This Wrong account does not allow me to move forward. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2026-01-27 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: OK

Complaint narrative:
I am disputing the cleaning fees, carpet replacement charges, and pet fee assessed by XXXX XXXX XXXX XXXX These charges were imposed in bad faith and are inconsistent with the actual condition of the unit at moveout. I have video documentation showing the apartment was left clean and undamaged, and XXXX XXXX refused my request for a XXXX  inspection to validate their claim that cat XXXX required carpet replacement. 

I submitted a formal dispute directly to XXXX. Their response consisted of generic photos provided by XXXX XXXX that do not match the condition shown in my moveout video and do not substantiate any of the charges. XXXX then instructed me to submit an additional dispute through their online portal, which I completed exactly as directed. Despite this, they ignored the evidence I provided, sent a letter claiming I had not made suitable arrangements, and subsequently reported the debt to the credit bureau. 

Attached are the documents I received from XXXX, including : 1. The initial response stating the debt was " investigated '' and still valid, accompanied only by generic photos of the apartment that do not support the charges.

2. The instructions directing me to use their online dispute portal.

3. Proof of my submission through the portal, following their instructions precisely. " We will promptly review it '' received nothing back regarding it.

4. A letter received two weeks later falsely stating that I had not made suitable arrangements. Turned to collections despite ongoing dispute and their inability to validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am submitting this follow-up complaint regarding the continued failure of DPT ED/AIDV ( U.S. Department of Education ) to correct inaccurate and misleading credit reporting related to my federal student loan account.

I previously disputed this account with the consumer reporting agencies and directly notified the furnisher of the inaccuracies. Despite these disputes, the misleading information remains on my credit report.

Furnisher : DPT ED/AIDV Account Type : Federal Education Loan Date Opened : XX/XX/year> Account Status : Open Remarks : Payment Deferred The account is reported as payment deferred, with no monthly payment due, no delinquency history, and 0/0/0 late payments, yet it continues to reflect only 6 % of payments made on time and multiple months marked as unknown. This falsely implies missed payments during periods where no payment was required.

This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) by furnishing information that is inaccurate, incomplete, and materially misleading. The furnisher has failed to conduct a reasonable investigation or correct the errors after receiving notice.

I respectfully request that the CFPB : 1. Require the furnisher to immediately correct or delete the misleading payment history 2. Ensure all deferred months are reported accurately 3. Confirm compliance with FCRA investigation requirements 4. Provide written confirmation of corrective actions taken I have attached copies of my prior disputes and supporting credit report screenshots.

Thank you for your attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
Ombudsman Case # XXXX. 

My federal student loan servicer, Edfinancial Services, inaccurately reported my student loan account as delinquent due to mishandling my qualifying military service under XXXX XXXX XXXX While on XXXX XXXX XXXX XXXX XXXX, my loans should have been placed into the appropriate status,

but Edfinancial failed to do so. I contacted Edfinancial directly to resolve this issue, but the representatives were unable to properly understand and address the misclassification of my m
ilitary status. As a result of this servicer error, my account was incorrectly reported as delinquent, causing adverse and inaccurate credit reporting. 
I currently have an open Federal Student Aid Ombudsman case regarding this matter ( Case # XXXX ). I am submitting this complaint to request correction of the inaccurate credit reporting and appropriate retroactive adjustment of my loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: KY

Complaint narrative:
Hello I am disputing inaccurate and unverifiable credit reporting by my federal student loan servicer, Nelnet. 

Nelnet is reporting my account as 90 days delinquent, which has significantly impacted my credit. I contacted Nelnet to request a review of this delinquency based on guidance provided to me during a phone call in XXXX regarding my account status. 

A supervisor advised that the XXXX call would be reviewed. After this review, Nelnet refused to provide a written determination, documentation, or explanation supporting the reported delinquency. I specifically requested written confirmation so that I could meaningfully dispute the accuracy of the credit reporting, but Nelnet declined. 

By refusing to provide a written explanation or supporting documentation after conducting an internal review, Nelnet has prevented me from disputing the accuracy of the reported delinquency and has continued to furnish serious negative credit information without transparency or verification. 

I am requesting that Nelnet either : Provide a written explanation and documentation supporting the reported 90-day delinquency, or Correct or remove any inaccurate or misleading credit reporting related to this delinquency. 

I believe this reporting is inaccurate, misleading, and not supported by proper verification as required under federal consumer protection laws.

Company response to consumer: Closed with explanation