vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
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 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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Re : Request for Consumer Report and Security Freeze Social Security Number ( last 4 digits ) : XXXX Date of Birth : XX/XX/1991 Dear Sir or Madam, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 15 U.S.C. 1681j ( right to free annual consumer report ) and 15 U.S.C. 1681c-1 ( security freeze ), I am writing to request : 1. A complete copy of my consumer file, including all information you maintain on me. 2. Placement of a security freeze on my consumer report/file to restrict access and prevent unauthorized inquiries or new accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
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 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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
Complaint Detail : I am writing to formally retrieve my payment in relation to my XXXX XXXX account. XXXX and XXXX have already processed and issued my refund. Despite this, I still haven't received anything regarding my payment to Credit Corp Solutions. This is incorrect and unacceptable. they still haven't returned the {$1800.00} ( XX/XX/year> ) that they threatened will hurt my credit score if i didn't pay it. unknowing that i didn't have to pay it because XXXX had to refund customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OH

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 non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
Draft : Account History and Basis for Deletion > I applied for federal student loan consolidation in XX/XX/XXXX. After submitting the consolidation application, XXXX became my official loan servicer. XXXX set my student loan balance to {$0.00}, and my XXXX account continues to show a XXXX balance and no active loans owed. XXXX XXXX Despite this, MOHELA continued to report a student loan balance that was no longer valid. I disputed the MOHELA tradeline with the Consumer Financial Protection Bureau on XX/XX/XXXX. XXXX XXXX On XX/XX/XXXX, MOHELA acknowledged the CFPB complaint publicly but did not provide any proof that they were the servicer of the loans. In their response, MOHELA stated they would provide verification within 60 days, but they never submitted any documentation to the CFPB and never proved ownership or servicing rights to the loans. XXXX XXXX Because MOHELA failed to verify the account, TransUnion deleted this tradeline after my previous dispute. XXXX > The MOHELA account has now reappeared on my TransUnion report without proper certification and without the required XXXX reinsertion notice, which is a violation of FCRA 611 ( a ) ( 5 ) ( B ). XXXX XXXX I am requesting immediate deletion of this account because : XXXX XXXX. XXXX is my servicer and shows a {$0.00} balance. > 2. MOHELA failed to verify the account with the CFPB. > 3. TransUnion previously deleted this tradeline for lack of verification. > 4. The reinsertion occurred without the legally required notice. > > Please delete this account from my TransUnion credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hi, On XXXX I book a stay at The XXXX XXXX in XXXX. the grand total was {$2100.00}. I used my American Express card which promised {$200.00} reward dollars if I booked the trip according too there requirements, American Express agrees I have.On XXXX AXP charged {$1400.00} to my card. It was titled ( XXXX XXXX. ) When I checked out on XXXX AXP charged the remaining balance of {$680.00}. Titled ( XXXX XXXX. ) The reward was I had too spend {$1000.00} at a XXXX XXXX that participated in the offer, the hotel I stayed at did. The problem is that the {$1400.00} charge was coded improperly. XXXX owns The XXXX. I have received every excuse from American Express not to pay me {$200.00}. None of this is my fault, as I follow the booking process completely.Why should I be punished, I made no mistake. Thank u, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: CA

Complaint narrative:
I was trying to send money from XXXX ( XXXX ) to XXXX to my aunts XXXXXXXX XXXX for the amount {$1000.00} on XX/XX/year> through Abound by the XXXX XXXX XXXX. After XXXX days, on XX/XX/year>, Abound is saying the money was delivered to my aunts account but when my aunt went and checked her account, the money is not there in her account. Since then I have been trying to contact both Abound and XXXX but the Abound is not replying to my emails and the XXXX is not also helping me resolving this issue and on top of that, the XXXX kept transferring me over multiple associates say they will help me and keeping me and my money in limbo. I am ready to share you further evidence if needed. Kindly help me resolve this issue and get my money back. Thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I financed {$1500.00} through Cherry Technologies for medical injection services with a local med spa. I received approximately {$300.00} worth of services before the merchant became completely unresponsive, and in XXXX I relocated over XXXX hours from the merchant. I filed a dispute with XXXX explaining that I had paid over {$890.00} toward services I could not receive due to the merchant 's unresponsiveness and relocation. XXXX issued a partial credit of {$750.00} against the remaining unpaid {$1100.00} balance, but maintains that I still owe an additional balance for services that will never be rendered. The only resolution offered by the merchant was to ship me injectable products to self-administer. This is not acceptable. The entire purpose of the purchase was to have a licensed medical professional administer the injections. I am not qualified to inject myself, and as a dual organ transplant recipient on immunosuppressive therapy, my transplant team does not approve of self-administered injectables without medical supervision. XXXX has acknowledged in writing that self-administration is " not a viable alternative '' for me, yet refuses to issue a full refund or cancel the remaining balance. They have directed me to pursue resolution through regulatory channels. I am requesting that XXXX cancel any remaining balance owed and cease collection efforts for services I can not safely or legally receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir or Madam, I am submitting this formal complaint regarding the closure of my Capital One credit card account and the negative reporting related to missed payments that occurred under extraordinary circumstances beyond my control. On XX/XX/XXXX, I was taken into XXXX XXXX and remained detained in an XXXX XXXX facility until XX/XX/XXXX. During this entire period, I had no access to my phone, financial accounts, banking services, or any means to manage my financial obligations or communicate with my creditors. Because of this involuntary detention, I was physically unable to make payments or contact Capital One during that time. Since my release, I have made every effort to resolve the balance on the account in good faith. I have already paid approximately half of the outstanding balance, and the remaining balance is currently about {$180.00}. Due to the fact that my work authorization was not immediately returned to me after my release, I am experiencing temporary financial hardship. However, I fully intend to pay the remaining balance within this week, and no later than the end of XXXX. I am attaching documentation confirming my detention and the relevant dates for review. I would also respectfully note that I am the father of two children a XXXX daughter and a XXXX son and I am currently working to stabilize my financial situation and support my family after this difficult period. Given these circumstances and my good-faith efforts to resolve the balance, I respectfully request : A review of the decision to close my account Consideration of removing or adjusting any negative credit reporting related to this period Consideration of restoring my account or allowing me to reestablish a banking relationship with Capital One My intention is to resolve this matter in good faith and maintain a responsible financial relationship. Thank you for your time and consideration. I would appreciate a written response regarding the outcome of this review. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX is trying to collect on a debt that is not owed to them. I have no dealing with this company and the item they are trying to collect on is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
I am filing this complaint because I believe this credit card company is using unfair and coercive tactics against me. The company has made it clear that unless I pay them more money, they will continue actions that damage my credit profile. This feels like pressure and intimidation rather than a fair attempt to resolve the account. My issue is not simply that there is a balance. My issue is the way the company is handling the account, communicating with me, and using the threat of credit damage as leverage. I believe their conduct is abusive, unfair, and possibly deceptive. Instead of working toward a reasonable resolution, they appear to be using my credit standing as a weapon to force payment under pressure. I want this companys conduct reviewed, including their communications, collection behavior, account handling, and any credit reporting related to this matter. If they have reported inaccurate, misleading, or improperly inflated information, I want it corrected. I also want the company to provide a full accounting of the alleged balance, including fees, interest, penalties, and any other charges they claim I owe. This situation has caused financial stress and concern about damage to my credit reputation. I am requesting that the company stop any unfair or abusive conduct, investigate this account properly, and respond with documentation supporting their actions and the amounts claimed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
on XX/XX/year> AHF ( american honda ) sent out a letter saying my account had been charged off, and I didnt recive the letter until after i paid {$320.00} to them ( AHF ) on XX/XX/year> but cleared on XX/XX/year> and on my credit report it says that account was closed/charged off XX/XX/year>. I contacted AHF on XX/XX/year> to try to make another payment to be informed I couldnt pay anything unless it was the balance in full {$5900.00}. But also told me that they would XXXX for a lower balance and I wouldnt do that bc I found out all this. I then ask the lady for her name and her supervizers name and she refuse to give it to me. I think they did me wrong by charging off my account and then also take payment from me. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that i have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payments be updated to paid on time according to these U.S. laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CA

Complaint narrative:
Subject : Goodwill Adjustment Request Student Loan Credit Reporting To Whom It May Concern, I am writing to respectfully request a goodwill adjustment regarding the negative credit reporting associated with my student loan account. Over the past several years, I experienced profound personal hardship that significantly affected my financial stability. During this time, I suffered the heartbreaking loss of my mother as well as my spouse/partner. These losses created an emotional and financial burden that made it extremely difficult for me to maintain my normal financial obligations. While I take full responsibility for my student loan account, these circumstances deeply impacted my ability to keep up with payments during that period. My intention has always been to honor my obligations, and I regret any negative reporting that occurred as a result of these hardships. Since then, I have taken meaningful steps to stabilize my financial situation. I am actively participating in available federal repayment and/or forgiveness options through the XXXX XXXX XXXX XXXX and am committed to maintaining responsible payment habits moving forward. Because of the extraordinary hardships I experienced and the steps I have taken to correct my situation, I respectfully ask that you consider granting a goodwill adjustment. Specifically, I kindly request the removal of late payments, delinquencies, or other derogatory marks related to this account from my credit report. Receiving this consideration would greatly assist me in rebuilding my financial stability and continuing forward after an incredibly difficult period in my life. I sincerely appreciate your time, compassion, and consideration of this request. Thank you for reviewing my situation, and I hope for a positive resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank, Wells Fargo, erroneous sent a wire transfer of {$25000.00} through twice within minutes to an outside party. They are refusing to take responsibility and return the funds. On the afternoon of Tuesday, XX/XX/year>, I requested a wire transfer for {$25000.00} to be sent to an outside party via Wells Fargo 's online services from my savings account. The following day I checked on my account and it had been frozen. I went into my Wells Fargo branch on Friday morning, XX/XX/year>, to unlock the account with a banking professional. The banker was able to see my account and we went over the XXXX amount shown. He let me know that nothing showed as pending, thus we began the process for the {$25000.00} wire transfer again. The account soon became unfrozen and both wires, separate transactions, for a total of {$50000.00} went through. Wells Fargo claims they tried to recall the second wire the same day ; being that it was Friday, it may not have gone through in time. As many times as I have both gone into the branch to talk to the banking professionals and spoken to the fraud department representatives via phone neither party will take responsibility. I'm at a lose as to what to do next.

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XXXX XXXX recently switched over to Synchrony Bank for their credit card and sent me a new one. With most Credit Cards we can use our billpay to pay it electronically, but Synchrony does not allow that for this card. I know this because we called them back on XX/XX/XXXX after our bank told us that they could not do it electronically to ask why and were simply told it would have to be by physical check. Because we did not want any late fees, we sent the check to arrive six days before the due date. In the case in question, the due date was XX/XX/year>. We set our billpay to get it there by XX/XX/year>. Which means the actual check was cut on XX/XX/year>. However, even though it got to PA by XX/XX/year>, they did not deposit it until XX/XX/year>, charging us a late fee ( {$29.00} ), interest ( {$24.00} ), and affecting our credit score by recording a late payment. We called them up and were told they would waive the late fee, but not the interest and would not deal with the credit agencies about their mistake. In short, we were not allowed by Synchrony to use electronic payment and so needed to send a physical check. We had it cut early enough that it should, and did according to our bank 's records, arrive almost a week early. The held on to it and deposited it almost two weeks after it arrived, marking us as paying late when we had paid early.

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