vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Southwest Stage Funding
State: MS

Complaint narrative:
I am a surviving spouse seeking loss mitigation and a loan modification on an XXXX mortgage after my husband passed away on XX/XX/XXXX. The property was owned by my husband and me as tenants by the entirety with full rights of survivorship. Under XXXX law, ownership transferred to me automatically upon his death and the property did not go through probate. In XX/XX/XXXX, I applied for loss mitigation with the mortgage servicer. Since that time, the servicer has repeatedly insisted that I open probate and provide court documentation appointing a personal representative before they will process my application. In response to this request, I contacted XXXX XXXX chancery court where the property records are located as well as my late husbands attorney. Both confirmed that probate is not required in this situation because the property transferred to me automatically by survivorship. Instead, the court directed me to complete an Affidavit of XXXX XXXX under XXXX XXXX XXXX XXXX. I completed and notarized the affidavit and provided it to the servicer along with the death certificate, deed showing survivorship rights, proof of occupancy, and documentation clarifying that my children are not the decedents heirs. Despite providing this documentation, the servicer continues to delay review of my loss mitigation application while insisting on probate proceedings that the court has confirmed are unnecessary. Actions Taken : XX/XX/XXXX XXXX passed away. XX/XX/XXXX Applied for FHA loss mitigation with mortgage servicer. XX/XX/XXXX Received correspondence from servicer requesting probate documentation. XX/XX/XXXX Contacted attorney ; attorney confirmed probate was not required. XX/XX/XXXX Notified servicer of attorney 's legal counsel. XXXX requested documentation of attorney 's legal counsel. XX/XX/XXXX Attorney made contact with servicer via email and confirmed servicer of the legal counsel provided to me. XX/XX/XXXX Received additional correspondence again requiring probate before the application would be processed in addition to naming my children ( my late husband 's step-children ) as his " children '' and stated they " also have rights of successorship to safeguard in probate. '' XX/XX/XXXX XXXX XXXX chancery court XXXX XXXX XXXX XXXX confirmed probate was not required. XX/XX/XXXX Provided a notarized XXXX XXXX XXXX and additional documentation clarifying heirship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I NEVER LIVED AT THIS ADDRESS I AM A VICTIM OF DATA BREACH IVE ATTEMPTED TO DISPUTE THIS DEBT FOR THE LAST XXXX YEARS AND MO RESPONSE WAS XXXX GIVEN AND COMPANY IS STILL REPORTING TO MY XXXX REPORT IM CURRENTLY LIVING IN A SHELTER DUE TO THIS BEING ON MY FILE i am a victim of data breach and identity misuse. I have been denied housing due to this inaccurate reporting. The account was reported to your agency without my knowledge or consent, and I believe it was generated through improper data sharing or a third-party data furnishing error. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I hereby request a full reinvestigation of this item, including :. * * XXXX at the furnisher level * * including direct verification from the * * original creditor * * or the * * furnisher * *, not an automated system or third-party data broker. * * Proof of ownership * * of the debt, including documentation showing : - The original contract or agreement ( if applicable ), - A valid chain of assignments or transfer of debt, - A permissible purpose under the FCRA for reporting this account. * * Evidence that the reporting was based on a valid, legally recognized obligation * * including whether I was ever notified, whether I was served, or whether this debt was ever legally assigned to a collection agency. * * Documentation of the verification process * *, including the name and contact information of the furnisher who provided the verification. i specifically request that the investigation * * not rely on automated or system-generated responses * *. I require * * manual, human-reviewed verification * * from the original creditor or the party that reported the account. Please confirm in writing : The * * investigation case number * * assigned to this dispute, The * * expected completion date * * ( FCRA requires completion within 30 days of receipt, or 45 days if additional information is requested ), Whether the account has been verified as accurate and valid. If the account can not be fully verified within the FCRA timeframe, I request that it be * * removed from my credit file * * and that no further reporting occur. I also request that you document this dispute and note that I reserve the right to pursue regulatory review with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action if this matter is not resolved in accordance with the FCRA. This is a formal dispute under FCRA 1681i. Please provide written confirmation of receipt and the results of the reinvestigation within the statutory timeframe. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: MN

Complaint narrative:
XXXX XXXX is falsely, reporting to my XXXX credit beuros collection XXXX XXXX I haven't had XXXX for XXXX years and all accounts paid for. Credit Control LLC provides false information Reference number : XXXX Ref Re : XXXX Reference Number : XXXX Original Account Number : # # # # # XXXX Account Balance : {$650.00}

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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NC

Complaint narrative:
Subject : Notice of FCRA Violation Demand for Deletion of Unverifiable XXXX Account To Whom It May Concern, This letter serves as formal notice that I am disputing the XXXX account currently being reported on my credit file by XXXX. I have disputed this account multiple times and requested proper verification ; however, the account continues to remain on my credit report. In an effort to confirm the validity of this alleged account, I contacted XXXX directly. I was informed that they could not locate or verify any account associated with my personal information. If the original creditor can not verify the existence of this account, then the continued reporting of this information raises serious concerns regarding its accuracy. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to report only accurate and verifiable information. Under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information. Under FCRA 611 ( a ) ( 7 ), I am requesting disclosure of the Method of Verification used to validate this account. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not provide information they know or have reasonable cause to believe is inaccurate. Under FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. At this time, the alleged creditor can not verify the account, and TransUnion has not provided documentation establishing that this account belongs to me. Therefore, I am demanding the following : XXXX. Immediate deletion of the XXXX account from my TransUnion credit report due to lack of verification. XXXX. Disclosure of the Method of Verification used during your investigation. XXXX. The name and contact information of the entity that verified the account. XXXX. Copies of any documentation bearing my signature that proves I entered into a contractual agreement with XXXX. Please be advised that failure to remove unverifiable information after being notified may constitute negligent or willful non-compliance under the Fair Credit Reporting Act. Continued reporting of unverifiable information may expose XXXX to civil liability. If this account can not be properly verified, it must be permanently deleted from my credit file. I expect written confirmation of the deletion or the requested documentation within the time frame required under the Fair Credit Reporting Act. Sincerely, XXXX XXXX Additional information provided by consumer : XXXX Please send this to : True Accord XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: OH

Complaint narrative:
am submitting this correspondence to formally request a review and correction of my student loan payment history with the Department of Education. Payments that I made during the time period in question were not counted toward my payment record because my account was placed in a forbearance status that I had requested, but which was not properly applied to the account as intended. Despite the status discrepancy, I continued to make payments during this period. These payments were made in good faith and should be reflected in my official payment history. The failure to properly apply the requested forbearance has resulted in these payments being excluded from my record. Attached to this letter are excerpts from my bank statements clearly showing the dates and amounts of the payments made to the Department of Education during the period in question. This documentation serves as verifiable proof that these payments were made. Given the supporting documentation, I respectfully but firmly request that the Department of Education review this matter and correct my payment history to accurately reflect the payments made. These payments should be credited appropriately and included in my payment record. Which will serve as proof to complete my PSLF. This complaint is for MOHELA and FSA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
Validation of Debt Request - EASTERN ACCOUNT SYSTEM ( XXXX XXXXXXXX XXXX ) - XXXX XXXX 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 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 public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have held a XXXX credit card ( issued by Wells Fargo ) since XXXX. Effective XX/XX/XXXX, management moved to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX On XX/XX/XXXX, I used the card to pay my rent ( {$2000.00} total with XXXX fee ). Immediately on XX/XX/XXXX, XXXXXXXX XXXX XXXX initiated an unauthorized ACH withdrawal of {$2000.00} from my Wells Fargo checking account. I did not authorize or schedule this payment. My standard statement cycle does not make this balance due until approximately XX/XX/XXXX. This premature, unauthorized withdrawal has caused significant issues with my available liquidity. I have contacted XXXXXXXX XXXX multiple times, but they have denied my request to return the funds to my checking account, despite the lack of a payment authorization for that date.

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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a letter by mail saying that someone on this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX open an account under my name for a XXXX XXXX credit card without my knowledge or authorization on XXXX year and which that person has my social security number and my personal information because it was a family member I used to count on. I stop leaving in that address since 7 years ago. The company is Midland credit Management , Inc. And they are charging me {$400.00}. XXXX from the credit card used without my authorization and knowledge. I already called Midland credit Management inc to put a fraud dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

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 : 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. XXXXerification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I did two transactions on the CashApp payment of goods. I was sending XXXX XXXX {$670.00} for 5 grams of gold on XX/XX/year> and {$350.00} for silver on XX/XX/year> for silver. XXXX said to send the funds to $ XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX sent pictures of the gold and silver being packed up. The tracking for gold was XXXX with XXXX XXXX as the sender. Silver was XXXX with XXXX XXXX sender. When I received the Gold and silver, I took them to a jeweler to confirm they were legit. I took the items to the jeweler and they used an x-ray on them. Jeweler confirmed that all the items were fakes. They are alloys of copper zinc and nickel. I did a police report with XXXX Police and the report number is XXXX. I reported to my bank about the fraud. I opened cases on CashApp under the heading " I believe I've been scammed '' I gave the details to CashApp that the items were fake and that XXXX search show that XXXX XXXX was arrested XXXX for sending counterfeit Pokemon card and fake gold. They declined my claim stating I did not submit enough proof. I appealed and sent a copy of police report, screen shots of the messages, a link to new reports, and pictures of the products and the x-ray read out. My appeal was denied for not enough proof. Cash App said I can only appeal once. I fell that CashApp did not complete a thoroughal investigation nor did they provide me with what information was required to get a refund and their reason for denial seems very vague.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: MS

Complaint narrative:
I used Credit Karma for my tax return and my money was fraudulent stolen from my account in the amount of {$1000.00} and I made a dispute and they denied it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
I had XXXX credit card with balances over XXXX on each one from Wells Fargo. A XXXX XXXX debt collector never faxed email called only mailed the you must pay debt notice I went to XXXX court with lawyer the lawyer did and she proved to the court it was fraud and never proved it was my debt. It was dismissed from court. I moved out of the state of new York and live in XXXX XXXX now. I lived in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I FILED THRU THIS AGENCY BEFORE.with all my credit cards with fraudulent charges XXXX XXXX wells Fargo 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 non-monetary relief
Consumer complaint received 2026-03-09 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
In XXXX a company called radius global solutions contacted me about a debt sold to them by XXXX XXXX. They said if I did not pay them the debt I owed they could potentially take me to prison or sue me. They told me that they bought the debt from XXXX for {$7000.00} but they would allow me to settle for XXXX. Unfortunately I believe them because they mentioned detailed about my XXXX XXXX account and I began paying them $ 153 monthly up until XXXX of XXXX. I asked them to verify the loan information and they sent me proof that they purchased it from XXXX XXXX and stated that I needed to pay them. Since I have ceased paying them, they have contacted my former neighbors and explained that I owed them {$7000.00} but they have settled it to {$3000.00}. My neighbors have reported this to me last week XX/XX/XXXX. This is a violation of my rights.

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 non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Despite the waiting for the ongoing approval for the {$50000.00} Grant and the Loan Modification Wells Fargo continues to attack and be vindictive towards me. On XXXX I had experienced a fire in my kitchen. My Homeowners Insurance approved me for the claim of {$3800.00}. And as you all will see on the check it also requires the signature of Wells Fargo however after going into a Wells Fargo Branch on today @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After an hour wait and going through these rigorous questions and showing my Official XXXX Drivers License they were told by their Corporate Office to not endorse the check because of my past complaints against Wells Fargo

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 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 non-monetary relief
Consumer complaint received 2026-03-09 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: NY

Complaint narrative:
Subject : Request to Reopen Complaint Rejection of Capital One Response I am requesting that my complaint be reopened with the Consumer Financial Protection Bureau because I formally reject the response provided by Capital One. Capital One states in their response that the merchant informed them the refund was issued to an e-wallet. This statement directly contradicts the information I received from the merchant. I have more than 20 email communications with the merchant, each associated with a support ticket number, confirming that the full refund was issued back to the original credit cards used for the purchase. Because of this contradiction, either the merchant provided incorrect information to Capital One, or Capital One has provided an inaccurate explanation in their response. In either case, the investigation appears incomplete and the conclusion can not be considered reliable. I can attach more than 50 documents and screenshots of email correspondence showing the merchant repeatedly confirming that the refund was issued back to the original cards. These records were not properly addressed in Capital Ones response. Given the clear discrepancy between Capital Ones claim and the merchants written statements, I respectfully request that the complaint be reopened and fully reinvestigated. I am also requesting corrective action and appropriate compensation for the financial harm, late penalties, and credit damage that resulted from this situation. I appreciate your review and request that this matter receive a thorough and independent investigation.

Company response to consumer: Closed with explanation