vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I noticed a new collection account for {$620.00} from Jefferson Capital Systems LLC on my XXXX  credit report. This account is listed as having been opened in XX/XX/XXXX. 
This is a fraudulent and inaccurate reporting of a debt that has already been resolved. The original creditor, XXXX XXXX previously reported this balance. I disputed this account with XXXX  in XX/XX/XXXX, and the dispute was Approved and the account was removed because the debt was settled/paid. 
On XX/XX/XXXX, I contacted Jefferson Capital Systems LLC via telephone to inform them that this debt was already settled with XXXX  and successfully deleted from my credit report following a formal dispute. The representative refused to provide details or acknowledge the prior resolution, instead demanding that I physically mail them proof of payment. 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), a debt collector can not knowingly report inaccurate information. Furthermore, re-inserting a previously deleted item without the required 'Certification of Accuracy ' and proper notice is a violation of the FCRA .

I am requesting that Jefferson Capital Systems LLC immediately cease collection efforts and remove this inaccurate entry from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I am writing regarding repeated telephone calls AllianceOne.

Each time I answer your calls and ask whether you are a debt collector, your representatives refuse to disclose that information unless I first provide my name. This is improper.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), a debt collector is required to clearly disclose that they are a debt collector and that the call is an attempt to collect a debt. That disclosure is not contingent upon me providing personal information.

I do not consent to discussing any alleged debt by telephone. I am formally requesting that all further communication be made in writing only and sent via U.S. Mail.

Additionally, pursuant to 15 U.S.C. 1692g, if you believe I owe a debt, you are required to provide written validation of the alleged debt, including the name of the original creditor, the amount claimed, and my rights to dispute the debt.

Until such written validation is provided, you are to cease all collection activity, including phone calls.

Failure to comply with this request may constitute violations of federal law and will be documented accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I can not open up an banking, or checking accounts with any banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App denied my fraud dispute and is now refusing to allow an appeal, citing a 60-day internal policy. This is despite the fact that I filed a police report on the date of the incident and have documentation proving no services were rendered. Cash App delayed resolution and is now using timing to avoid responsibility. This constitutes an unfair business practice and failure to protect consumers from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I made a payment to an individual I did business with here a there in small amounts. I paid them {$740.00} for a service to help me find an apartment and pay a deposit. Which is what this person stated they do. They lied about rendering the service & I was left with an over {$2000.00} bill. I reached out to the individual and let them know the service was not rendered, to which they agreed but will not give me my money back. Ive reached out to Cash App twice and provided screenshots showing me letting the individual know the service was not rendered and the individual agreeing it was not rendered. Both times Cash App has denied my claim. Ive also filed a police report & a fraud report. My Cash App is XXXX XXXX  and the email attached is XXXX. The person I sent the money to is XXXX XXXX on Cash App. Idk what avenues I need to go through to get my money back but I need it back. If the service was rendered I wouldnt care, which is why all our other transactions I did not dispute. This one was not rendered & left me with an even bigger bill than what I paid. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
attempted debt collection for debt already settled out of court

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
Collector was sarcastic and harassing. He mocked my employment at XXXX XXXX. He threatened that reversing payment is irreversible. He refused to accept my valid dispute. Harassed me when I told him that I dont want to pay since the debt is invalid and taking necessary steps ( on my side ) to resolve the issue. Continuous phone calls made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I am submitting this complaint regarding PHH Mortgage Services servicing of my VA mortgage loan ( Loan # XXXX ). 

PHH engaged in foreclosure-related activity while my complete loss mitigation application was pending review, in violation of Regulation X ( 12 CFR 1024.41 ).

Timeline : On XX/XX/year>, I submitted the final document requested by PHH to complete my loss mitigation application ( Letter of Explanation and employment offer documentation ), clearly identifying the loan number and purpose of submission. 
On XX/XX/year>, PHH sent a written notice confirming receipt of additional documents for mortgage assistance review.

PHH did not send any notice identifying additional missing items or stating that the application remained incomplete. 
On XX/XX/year>, PHH issued a Nevada statutory demand / intent-to-foreclose notice citing Nevada Revised Statutes 107.500 and 107.0805, stating it intends to initiate a foreclosure, setting a cure deadline, and referencing acceleration and sale of the property.

Under Regulation X, a loss mitigation application is considered complete when the servicer receives all information it requires to evaluate the borrower. A servicer may not avoid borrower protections by delaying issuance of a completion notice.

Once a complete application is received, Regulation X prohibits the servicer from making the first notice or filing required for foreclosure, or otherwise advancing foreclosure activity, while the application is under review.

PHHs issuance of a foreclosure-intent notice after receipt of a complete loss mitigation application constitutes impermissible dual tracking.

I am requesting that the CFPB require PHH Mortgage Services to : Acknowledge and correct the servicing error Confirm that foreclosure activity is stayed during loss mitigation review Confirm the application completion date Ensure ongoing compliance with Regulation X This complaint mirrors a formal Notice of Error submitted directly to PHH Mortgage Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I was awarded an Equifax settlement payment. 

I received an email stating I would receive an additional pro rate payment on XX/XX/XXXX. It never came. On XX/XX/XXXX I received an email stating that I was issued a card in XXXX of XXXX or XXXX of XXXX, it had been activated and was a reminded to use the remaining balance. 

I replied to this email that I had never received it, and got no response ( you can see that they opened it ). 

On XX/XX/XXXX I opened a ticket, and I received a stock email. I replied with the ticket number on XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I received a response stating that it was sent and that there was a code. But I never received this email with the code. I looked though the prepaid card center and could find nothing with it. I told them I had never used that code on XX/XX/XXXX, and again on XX/XX/XXXX, I received no response from either of them. 

Attached is all the emails I referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
In XX/XX/year>, I traded in a leased vehicle at Volvo Cars of XXXX XXXX as part of a new lease transaction. The salesperson and dealer expressly represented to me that by trading in the vehicle, the prior lease would be fully satisfied and that I would not owe anything, including mileage or other charges. 

After the trade-in was completed, Volvo Financial Services billed me for alleged mileage charges that were never disclosed at the time of sale and directly contradicted what the dealer promised. I immediately disputed the charges and requested documentation explaining how the charges were calculated, confirmation that the prior lease was properly closed at trade-in, and assurance that no negative credit reporting would occur while the dispute was under review.

Volvo Financial Services did not provide the requested documentation and instead stated that I remain liable and threatened to report the alleged balance to credit reporting agencies despite the dispute being active. I believe these charges result from dealer misrepresentation and improper handling of the lease closeout, and that threatening credit reporting during an unresolved dispute is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
On XX/XX/year>. I went to my bank to see why my credit score was dropping. I came to find out that I had a Derogatory account on my Credit report for XXXX. From the company of XXXX XXXX XXXX XXXX XXXX. Which I have never heard of this company before in my life. I have never bought or rented anything from this realty company. I have lived in the same house for the past 12 years. They are ruining my credit score by this mistake they have made. They say I am married, and have a joint account with a person I do not know. I haven't been married not a day in my life. I just want this falsely Derogatory account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
Valon is sending money to insurers I am no longer affiliated with. 
Valon records ( on-line ) do not match what the Valon service people are writing. 
I asked about an escrow shortage : XXXX 's response attached. It is not valid, nor does it match Valon 's own records. 
XXXX did not receive and funds in XXXX or XXXX, XXXX. My XXXX plan is annual. XXXX to XXXX. Nothing was billed nor expected to be paid XXXX. 
My old insurer, XXXX, DID receive one check ( Not 2, as the Valon records indicate ) and appropriately refunded it to Valon. 
NO ONE seems to know where the XXXX, XXXX  check is : XXXX says it was sent to XXXX. XXXX did not receive it. Valon records indicate it was sent to XXXX - XXXX is proving information indicating that it was not received. 
Valon has not responded to my request for the status of the {$2000.00} check- was it cashed? 
If so, who cashed it! If not cashed, STOP Payment and immediately refund my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: MA

Complaint narrative:
Amerihome mortgage loan number XXXX My mortgage loan serviced by AmeriHome Mortgage was transferred to a new servicer effective XX/XX/2025. After the transfer, AmeriHome received an insurance refund of {$5100.00} from XXXX  XXXX on XX/XX/2025. This refund was not forwarded to the new servicer. 

I have contacted AmeriHome multiple times to request resolution. AmeriHome representatives are unable to locate my loan history in their system and have not taken action to transfer the funds. As of today, the {$5100.00} insurance refund has remained with AmeriHome for nearly six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft ( FTC Report # XXXX attached ). Discover Bank opened a fraudulent account in my name. Charges were made via XXXX XXXX before I ever received a physical card. I have provided Discover with conclusive evidence that I own a XXXX device and do not have an XXXX account, making the charges technically impossible for me to have authorized. Discover has refused to absolve me of this {$110.00} debt and is now reporting it as a late payment, damaging my perfect credit history. This is a violation of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) for failing to conduct a reasonable investigation into a clear fraudulent account ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Hi, I filed a dispute with Affirm on XX/XX/year> due to not receiving a refund from XXXX XXXX for returned clothing that I couldn't fit. I went back and forth with XXXX XXXX for over a month, inquiring about my refund and providing all the requested proof, including the XXXX tracking number. They weren't willing to work for me, and I was extremely mentally exhausted. Why ask me to send proof only to tell me to dispute? Fed up, I reached out to Affirm and explained the situation to dispute the order since I took out the loan ( XXXX ) with them to pay for it. I took this loan out on XX/XX/year>. On XX/XX/year>, I received an email from Affirm that I won my dispute ( XXXX ). The amount of the loan was {$1200.00} with interest. The amount that I disputed was {$1200.00}, off by XXXX XXXX. Essentially, the whole order was returned due to sizing issues, and I repurchased some of the items on my own. It has been over two months since I've been going back and forth with several different representatives at Affirm as to why they have my status as overdue for a loan that I've won a dispute on. No one is helping me, and they keep telling me that someone will call me in 3-5 days, and NOTHING! Two months this has gone on. I win, but you're not closing that loan. What's really upsetting is that I have several XXXX XXXX loans with Affirm, and when I receive refunds, I'm sent an email from Affirm asking me where to apply the refund, as I have several XXXX XXXX accounts. Before I had issues with XXXX XXXX and getting refunded, I applied XXXX refunds to this {$1200.00} loan since it was the highest to bring the amount down. On XX/XX/year>, I applied a refund from XXXX XXXX to this loan in the amount of XXXX. On XX/XX/year>, I applied another refund in the amount of XXXX. On XX/XX/year>, I applied another refund in the amount of XXXX. On XX/XX/year>, I applied yet another refund in the amount of XXXX. All of these refunds came from XXXX XXXX from other orders. To date, I am owed {$470.00} for the refunds applied to this loan. Every time they call me, they keep saying that nothing was applied when I'm looking at it right in the app, and I also have the emails to prove it. I just want my money back as this has gone on for far too long! Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Banks continued reporting of an account that has been paid and settled in full through a third-party resolution service. 

The account was previously in collections and has since been fully satisfied. At the time of settlement, I was advised that once payment was completed, the account would no longer negatively affect my credit report. Despite this, Wells Fargo continues to report the account to XXXX, XXXX, and XXXX. 

Because the balance has been resolved and there is no remaining financial obligation, Wells Fargos continued reporting is inaccurate and misleading and does not reflect the current status of the account. This reporting is causing ongoing harm to my credit profile.

I have made good-faith efforts to resolve this matter directly. I am requesting that Wells Fargo cease reporting this account and remove the tradeline entirely from all consumer credit reporting agencies.

I am requesting prompt correction of this issue and written confirmation that the account has been removed from my credit reports.

Thank you for your assistance.

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 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
XXXX XXXX refused to provide information needed to supplement my application for a federally funded XXXX XXXX of {$50000.00}, stating that the company did not participate in the funding program. This was approximately summer of XXXX. In documents XXXX XXXX provided me, they mistakenly included email communications regarding another borrower where it shows they were not truthful in refusing to prove me the information requested. 

About XX/XX/XXXX I applied again for modification after learning of the VA 's VASP eligibility. XXXX XXXX took four months to review my modification application - typically they make a decision within 30-days of receiving a completed application. They received a completed application in late XXXX, XXXX. 

I previously filed a complaint with the CFPB on this matter in XXXX, XXXX. XXXX XXXX falsely informed the CFPB that the matter was in litigation which precluded a response. To date there has been no litigation filed by XXXX XXXX - nor by me. 

XXXX XXXX has repeatedly provided false information, refused to provide information and employ deceptive practices in its servicing of my VA-backed loan. XXXX XXXX 's actions have harmed me, and is poised to financially harm the US government.

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 2026-01-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief