vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
This company continues to avoid crediting my mortgage payments in a timely manner. This time I sent a cashier 's check through usps priority mail and have proof that the cashier 's check was picked up by the company. The check was received XX/XX/year>, but has not been credited at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have a credit card from synchrony bank many years ago, the credit card number is XXXX. This month they closed my account without any notification, just a mail..

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
Validation of Debt Request - IQ DATA INTERNATIONAL ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 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: Central Research Inc
State: PA

Complaint narrative:
The loan servicing company placed my student loans in forbearance without notifying me. When I called, they told me that my loans were still accruing interest and payment were not being made. When I went into my online portal, I attempted to submit a one time transaction to make up for the difference in what they were representing on my " minimum payment ''. I have a financial plan set out that relies on a specific dollar amount to be paid on a regular basis so that I can pay off my loans by a specific date ( XXXX ). So, here are the complaints : 1. My loans were placed in forbearance with NO communications to me. 2. After loans being placed in forbearance, my minimum monthly payment and auto debit decreased by several XXXX dollars. There was no notification of that change. This change did 2 things : 2.a. First, it stopped making payments on various loans. These loans are now accruing interest with no payment although I desire to make payment. 2.b. Second, when I attempted to apply my payment to multiple loans ( to get rid of interest and ensure that I was still paying on all loans like usual ) it applied it to only one loan. I have now over {$100.00} in unpaid interest and my payments have not been processed since XX/XX/year> for many of my loans. I am irate at Central Research , Inc. ( CRI ) for not communicating their actions of placing my loans in forbearance and taking me off of my payoff plan. It feels predatory and boldly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Validation of Debt Request - HARRIS & HARRIS LTD - XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
For over XXXX XXXXBANK OF AMERICA restricted my ability to make payments online and on their APP They made it almost impossible just to pay To pay I had to call XXXX and wait times were ridiculous THEY RESET ACCESS TO ALLOW PAYMENT EVERY TIME I SPOKE WITH THEM, But it never worked They claimed everything was good on their end every time, extremely frustrating and must be illegal

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year>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 2026-03-01 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: FL

Complaint narrative:
On XX/XX/XXXX, I received two notifications of unauthorized transactions on my email Wells Fargo account : XXXX for {$610.00} and another for {$10.00}. After I emidialy contacted Wells Fargo and notify them of the essue. Close the card and file a claim. XXXX day later the amount was taken back by Wells Fargo, they claim I made the perches. Conducting my own investigation, Contacted XXXX and was given an address plus what was perched the product was sent, to a vacant home! Across XXXX XXXX a XXXX ' or so a guy standing out side with garage door open due to a fresh painted garage. I asked about the home of the address of my search i ( quote ) you buying he said yes i reply with i like what you did to your garage can i take a pic of the material so i did and called the cop. I filed a police report. Despite this, Wells Fargo denied my claim because XXXX said so. The scamers are changing the address after product shipment to make look it was delivered to me. I am seeking further steps to resolve the issue.

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 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I learn of a collection on my credit report by visiting XXXXXXXX XXXX credit report in XX/XX/2025, in the amount of XXXX XXXXand notified them that the debt they are imposing is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have XXXX Capital One credit cards that are charge offs. They went to collections and have now been settled and paid. Well, the XXXX accounts in Capital One : XXXX Journey card and XXXX Platinum Cards are still displayed in my Capital One Account. I have called Capital One and requested for them to remove the XXXX charge offs from my display settings as XXXX out of the XXXX weren't on their before and also because they've been paid for. What I am requesting is to have the charge off accounts removed from the display settings because they have already been taken care of. Not to mention that I have XXXX other accounts on display so it makes it confusing for me. Both the customer service agent and the supervisor said it couldn't be done and they said it's because of their system. I said, exactly ; It's YOUR system so I'm sure someone can do so. It was very unpleasant because I am trying to be a good and considerate customer and they aren't seeming to be reasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: SC

Complaint narrative:
Account Number : XXXX To Whom It May Concern, This letter serves as a formal request for validation of the above-referenced account pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I dispute this debt in its entirety and request full validation and verification. Please provide the following : The name and address of the original creditor. A complete accounting of the alleged debt, including : Original balance Interest charges Fees added Date of default Date of charge-off A copy of the original signed agreement or contract bearing my signature. Documentation showing you have legal standing and ownership of this account, including : The full chain of assignment Bill of sale Assignment agreement transferring ownership to your company Proof that your company is licensed to collect debts in my state. The method of verification used when responding to credit bureau disputes. The name of the individual who verified the account and the documents reviewed. If the account was charged off, provide proof whether a XXXX was issued or not. If the debt was sold, provide documentation showing the exact date of transfer and balance at time of sale. Additionally, I request that you cease all collection activity, including credit reporting, until this debt is fully validated. If you can not provide the above documentation, you must : Delete the tradeline from all credit reporting agencies Cease all collection efforts Be advised that continued reporting of unverified information may constitute violations of the FDCPA and FCRA. I expect a written response within XXXX days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I originally made XXXX purchases from hexclad the first being {$660.00} for their XXXX pieces pots and XXXX hybrid set and {$170.00}. For the wok with lid both are non stick and lifetime warrantied. I began to notice peeling after normal cooking and cleaning with silicone materials. Because of the lifetime warranty and also.being within the return period i tried calling hexclad directly this was back in XXXX. Unfortunately they have it so you can not contact them, ive tried multiple different days and times. At this point i reached out to capital one to dispute the charge they did, then a few months later got a letter saying I needed to upload documents I called into capital one and asked what was needed they then provided a list of documents, I asked if what I had would be accepted ( order number, invoice, picture of pans, lawsuit, and my call log where I tried calling the rep said yes taht was everything I need. Unfortunately that was false information that proceeded to happen all the way up to today XX/XX/year>. Within that time ive requested multiple managers, even the president and ceo XXXX XXXX just to be met with laughs with responses like im.just gon na end the call now and im the last point of contact. If any of theses reps were properly trained i would've been given the right names of documents to upload XXXX we wouldn't be here. I wouldn't be here if any rep told me the right information which is there job to know especially when I asked each time if I was uploading the right information or to transfer me to the right person to get help from instead of being sent in a never ending vicious cycle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding an unresolved billing error involving my Cash App account. On XX/XX/year>, I attempted to make a purchase at XXXX XXXX XXXX using Apple Pay connected to my Cash App account. The transaction was declined at the time of purchase but it was never processed. I was then required to complete the purchase using my personal debit card in order to receive my food. Despite the XXXX XXXX transaction being declined and no order being fulfilled, {$31.00} was deducted from my Cash App account. I contacted the merchant directly, and they confirmed they have no record of any completed order associated with the declined XXXX XXXX transaction. I submitted a dispute with Cash App and provided supporting documentation, including : Proof showing only XXXX completed order totaling {$34.00}, paid separately with my debit card Screenshots of the {$31.00} charge Confirmation that the XXXX Pay transaction was declined and not processed Cash App denied both my initial dispute and my appeal without adequately addressing the evidence provided. A declined transaction that was never completed or fulfilled should not result in permanently withdrawn funds. I am requesting that Cash App conduct a proper investigation, reverse the incorrect {$31.00} charge, and provide a clear explanation as to why a declined transaction was allowed to post to my account. I am seeking a full refund of {$31.00} and regulatory review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MANA - XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: TN

Complaint narrative:
Received text messages re a personal loan of XXXX that was received in my name with XXXX XXXX! Contacted the company and was able to confirm that the money was deposited into cells XXXX acct, which is NOT my bank! They told me to report fraud online and I tried that, though Im not sure I did it correctly! Time went by and I received a phone call from a collection agency attempting to collect the amount of {$1400.00}, the {$1000.00} plus interest that had accrued! I explained to them all of the steps I had taken to clear this matter up and they told me I needed to file a police report, only to find out that a fraudulent report should be made online since the loan was taken out online, then I should submit the report to the collection agency to vault collections from me! The acct # for the loan was XXXX, taken out on XX/XX/year> with 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 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
In XXXX ( documents attached ) I surrendered the property to the apartment company within the timeframe of me still living in the property. The funds were paid to the XXXX XXXX courts totaling a full amount. I have reached out to the XXXX on multiple attempts requesting them to update their files & my credit based off of them receiving the funds and the debt to be removed from my credit it was never done, they gave me the run around told me they had new management and would look into and still has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation