vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I have received a couple of calls from a company claiming to be Portfolio Recovery Associates LLC. The first call they did not send the information requested. A second call where they were try to collect was told to send me the info. Today, XX/XX/XXXX, I received what appears to be the information requested. I simply do not remember having this card/debt. It has not appeared on my credit report for any of the agencies. I have made no obligation to the alleged company, apparently the original debt is from XXXX XXXX, the alleged company apparently acquired the debt on XX/XX/XXXX. I simply dont know what to do. I do not remember this debt and to the best of my knowledge it was never reported which I find odd for a company such as XXXX XXXX never reporting this. My current situation is that I am on Social Security XXXX, it is a fixed income, I have also been having health issues and I have those bills to address. This company keeps calling me at XXXX PM, the stress of their calls is exacerbating my health issues. I dont know what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I vacated my apartment at XXXX at XXXX XXXX days prior to the end of my lease. At the time, I owed {$930.00} to the apartment complex, and I attempted to settle the balance through email communication. However, they never responded to my emails. Subsequently, the apartment complex transferred the debt to Rent Debt Automated Collections. Despite this, Rent Debt Automated Collections failed to notify me of the outstanding collection or my rights as required by law. They did not contact me via mail, email, phone, or text, and I have phone records to prove that no communication was ever initiated. 

The apartment complex had my forwarding address on file, which means Rent Debt Automated Collections also had my correct contact information. My issue is not with the amount I owe ; rather, my concern is that Rent Debt Automated Collections violated my rights by failing to inform me about the collection, which they continue to deny. 

I am requesting that this collection be removed from my and my wife 's credit reports due to their failure to properly notify me. Once the collection is deleted, I am fully willing to work with them to resolve the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> XXXX XXXX XXXX XXXX Sold to XXXX XXXX XXXX New XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. 
Despite my lawful demand made pursuant to XXXX XXXX. XXXX of the Fair Debt Collection Practices Act ( FDCPA ) and XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. 
Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title, including all assignments and transfers of the alleged debt ; XXXX. A bill of sale or purchase agreement proving legal ownership of the debt ; XXXX. Proof of licensing to collect debt in my state ; XXXX. XXXX bond information, if required by law in your jurisdiction. 
A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to consumer reporting agencies is a violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. 
Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : XXXX U.S.C. XXXX False or misleading representations XXXX XXXX. XXXX Unfair practices XXXX XXXX. XXXX Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within fifteen ( XXXX ) calendar days, I will proceed with legal action against your agency under XXXX XXXX. XXXX and XXXX, including but not limited to statutory damages, punitive damages, legal fees, and court costs. 
This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation. 
Sincerely, 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 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have XXXX credit cards with Synchrony bank. Every time when Im trying to pay, their company doesnt allow me to pay. Its a real headache. I keep missing my payments. They charge me {$41.00} on all three accounts every month! I will be never able to pay me credit card because they are thiefs. Is there any legal way to stop Synchrony bank from stealing peoples money?!

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
VALIDATION AND CEASE AND DESIST Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Midland Credit Management, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: LA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Beginning on XX/XX/year>, I experienced repeated debit card declines on my Citibank checking account. I contacted Citibank numerous times and was repeatedly told the card was not frozen and instructed to test transactions online and in person. One representative gave contradictory instructions, told me to leave my home during a snowstorm to attempt purchases, and then disconnected the call. 

Over the following days, I spoke with multiple customer service representatives and relationship managers, including XXXX XXXX, XXXX XXXX, and a branch manager. I was given conflicting explanations and no one took ownership of the issue. I was told replacement debit cards were ordered with delivery timelines that were not met, and I did not receive confirmation, tracking information, or a case number. 

On XX/XX/XXXX, my credit card was also frozen despite being set to autopay and not yet due. I paid the balance manually, and several hours later an unexplained {$650.00} charge appeared despite the balance having been paid in full. 

On XX/XX/XXXX, a replacement debit card arrived late and, after activation, also failed repeatedly. After hours on the phone with multiple representatives, one representative stated my XXXX profile was corrupted and required issuance of a completely new debit card number. I was told this would be handled on the back end and would not affect my account access. 

On XX/XX/XXXX, my checking account and debit card disappeared entirely from the Citi app without notice. I went to a Citibank branch, where staff initially stated everything was fine. After contacting XXXX XXXX again, the branch canceled a pending card order, issued a temporary debit card, and reordered another card. The branch refused to provide a case number, written confirmation, or proof that anyone was assigned to resolve the issue. The temporary card has worked inconsistently and continues to decline at most merchants. 

The only documentation provided was a printed Replace Card Confirmation without a case number, tracking number, or employee identification ( included below ). Later that evening, I received multiple messages stating my debit card could not be delivered. 

As of now, I still do not have reliable access to my deposited funds, have received no clear explanation for the repeated failures, and have not been provided a documented resolution despite extensive efforts to resolve this directly with Citibank.

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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was approved for a secured credit card with Discover in XX/XX/year>. In XXXX, I was upgraded to an unsecured card. I was supposed to get my security deposit back by paper check but the check never came. I requested the deposit via XXXX in XXXX, and I have followed up multiple times on the request but it has not been resolved. I was supposed to receive my security deposit by today and I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
ABSOLUTE RESOLUTIONS Iis falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: OR

Complaint narrative:
After being redirected twice by debt collectors reporting negative information on my credit report, I was finally able to determine who owned the reported debt attached to my name This originally began as a secured credit card with a {$200.00} security deposit which the bank seized when the account was charged off. 

The debt attempting to be collected is in the amount of {$230.00}. My position is that {$200.00} of this amount has been recovered by the bank and is not owed, leaving an outstanding balance of {$38.00}. 

I made a good faith offer of {$50.00} thru email to the debt collector which was ignored, instead, the debt collector emailed a response to ask to speak to me on the phone. 

I responded that I prefer to correspond thru email and would nort speak to anyone on the phone. The debt collector responded by saying that any future communications regarding my inquiry would be sent via XXXX mail. 

I reminded them that I prefer to be contacted by email and any communications received thru the XXXX mail will be discarded. 

I received a final email from the debt collector saying that they were unable to send correspondence via email and future communications would be sent via XXXX mail. 

My final email to the debt collector was simply to say " Do not contact me again. '' Today I received a letter stating that Credit Control LLC is trying to collect a debt that I owe to XXXX XXXX XXXX. 

XXXX XXXX XXXX initally refered me to XXXX XXXX XXXX. It seems that these XXXX debt collection companies are playing some sort of game with me by sending a letter under a different company name that the one I told to not contact me again, somehow making it " OK '' to continue sending me letters. 

It is not XXXX XXXX is the reporting debt collector on my credit report. 

My question is ; Why are there XXXX different companies attempting to collect the same debt, and why are they going against my wishes to no be contacted further in this pursuit. Screenshots of all emails can be provided at your request. 

Thank you for your time.

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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
My mortgage has been escrowed for XXXX  insurance since closing. At closing, {$1400.00} was collected specifically for XXXX insurance, and approximately {$260.00} per month has been collected for homeowners insurance as part of my escrow payment. 

Despite these funds being collected, the XXXX insurance was never paid. As a result, the property was left uninsured for approximately XXXX ( XXXX ) months. During this period, no lender-placed ( force-placed ) insurance was put in place by the servicer. 

On XX/XX/year>, the home experienced an XXXX XXXX. It was at that time that we discovered the XXXX insurance had lapsed and that the property was completely uninsured. This exposed us to catastrophic financial risk on a half-million-dollar asset. 

The XXXX resulted in approximately {$11000.00} in damages and repairs, none of which were covered due to the insurance lapse caused by the servicers failure to pay the policy or place force-placed insurance. 

Following a servicing transfer, PennyMac asserted that the lapse was our responsibility for failing to notify the insurance company of the servicer change. This requirement was never disclosed, verbally or in writing. Regardless, PennyMac continued collecting escrow funds and had a legal obligation to maintain continuous insurance coverage or place force-placed insurance upon any lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: NJ

Complaint narrative:
My Social security benefit was sent to this card on XX/XX/year>. The card wont work and ive been calling everyday to try and fix it. I am homeless with no phone, i am with my XXXX trying to get help and no on can help me. I just want them to answer the phone so i can fix what ever is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am submitting a formal complaint regarding repeated and unwanted contact from this debt collection company. I have exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by sending a written cease and desist request demanding that they stop contacting me. 

Despite this, I am continuing to receive collection attempts and communications, which is causing stress and disruption. I am requesting that the company immediately stop all communication with me except as legally allowed under federal law. 

I am not acknowledging this debt. I am asserting my right to request no further contact under 15 U.S.C. 1692c ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
my account with JP MORGAN CHASE was hit with fraud on XX/XX/year> and then again XX/XX/year>. they are refusing to return the money and are saying that i authorized the transactions. i have a police report regarding and i did not authorize the transactions. the texted me i responded no and they still processed the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 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: Nelnet, Inc.
State: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and deletion of inaccurate credit reporting furnished by Nelnet and reflected in my XXXX credit file. 
XXXX is reporting multiple Dept of Education/Nelnet ( DEPTEDNELNET ) tradelines with a XXXX delinquency entry ( Late Payments : XXXX Days XXXX ) reported as of XX/XX/XXXX, despite these accounts showing Status : OK and Monthly Payment : {$0.00}. 
For example, XXXX lists DEPTEDNELNET accounts with : Reported Date : XX/XX/XXXX ; Status : OK ; Monthly Payment : {$0.00} ; Late Payments : 90 Days XXXX; Last Payment : XX/XX/XXXX. 
This delinquency reporting is inaccurate because my federal student loans were under approved deferment and/or forbearance protections during my residency training period ( XX/XX/XXXX through XX/XX/XXXX ), and no payments were legally due. I had provided them proof of employment during this time. 
Under the Fair Credit Reporting Act ( FCRA ), both the furnisher ( Nelnet ) and the credit reporting agency ( XXXX ) are obligated to ensure that only accurate information is reported and to promptly correct any disputed inaccuracies. 
Demand for XXXX XXXX : XXXX. Immediately delete all inaccurate XXXX delinquency entries ( XXXX Days XXXX ) associated with DEPTEDNELNET tradelines. 
XXXX. Correct my credit file to reflect that no payments were past due during approved deferment/forbearance. 
XXXX. Provide written confirmation that the incorrect delinquency marks have been removed. 
Failure to correct this issue will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and the U.S. Department of Education Ombudsman, and may constitute grounds for further legal remedies under the FCRA. 
Enclosed Documentation : - Proof of residency employment ( XX/XX/XXXX XX/XX/XXXX ) - Prior deferment/forbearance documentation - XXXX excerpts showing Late Payments : XXXX  Days XXXX on DEPTEDNELNET XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In late XXXX, I received a generic email from Capital One XXXX with XXXX XXXX XXXX  mumbo jumbo that they closed my account. Mind you, I have over XXXX XXXX in shopping credits earned in that account, that I can not access. I have followed up several times - when I have called, I spent hours on the phone only to be told no one is available to talk to, rather provided a generic email address XXXX. I have had several communications with them, where a robot named XXXX is effectively copy/pasting generic XXXX XXXX XXXX XXXX but providing XXXX specifics on what their accusation is- they are stealing money from me. And clearly I am not the first consumer they are stealing money from, but I let them know I will not accept this. Additionally, they refuse to call me and/or provide me a number to call to talk it through. Disgusting behavior by a corporation expecting me to roll over. 

I have already gone through the XXXX  process, however all they did was robotically go through a non-productive process and ended at the same resolution - a generic email from Capital One with no details or reason as to why they are scamming me out of my money. XXXX Complaint XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief