vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2025 at exactly XXXXXXXX XXXX I received XXXX separate XXXX confirmation emails simultaneously : Order XXXX : XXXX and Order XXXX : XXXX same route, same passenger, same dates. At the exact same time, XXXX Affirm loan approvals were generated : Loan XXXX ( $ XXXX ) and Loan XXXX ( $ XXXX, Loan ID : XXXX ). XXXX confirmed in writing that only XXXX ticket was issued under XXXX ID XXXX ( complaint reference : XXXX ). I traveled on XXXX ticket and paid off that loan in full. I never authorized the second loan and received no service from it. I spent months being redirected between XXXX and Affirm with no resolution. Affirm opened a fraud investigation ( Case ID : XXXX ) but has now charged off XXXX XXXX for {$1400.00} despite the active dispute, threatening negative credit reporting and collections. I am requesting the unauthorized loan be cancelled, the charged-off status reversed, and all negative credit reporting removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NC

Complaint narrative:
Name of company Aargon collection agency Date of service XX/XX/year> and XX/XX/year> name of XXXX XXXX XXXX XXXX It is already on my credit report that I have a collection. But I never got any bills sent to me from XXXX and on the bill that Aargon collection agency sent me it does not say who the bill is for. It only says an amount owed. When I call they say insurance wont cover it since its been past XXXX years and that I need to pay it, because thats the only way it will get resolved.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Hello, I received a letter from MOHELA in XX/XX/XXXX. This letter stated that MOHELA has received a refund from your school and applied it to your loan. this is in regards to the borrowers defense loan that was owed to me due to my school being deemed fraudulent. I have spent XXXX hours being transferred to XXXX people telling me they will get back to me as to when the check will be sent out. And now XXXX being told that after investigating, they dont owe me anything. I have fully paid off this loan with MOHELA back in XXXX. Therefore, there was no loan to credit this amount to though I am still owed the money regardless, as I was told by a lawyer. I had a different loan servicer in XXXX and they immediately sent the refund once the borrowers defense was announced. For some reason, Mohela does not want to pay me the $ XXXX that is owed. I have numerous pages of documentation and history with them. They have deleted my account and I can no longer log into, but since I assumed they would do this, I took screenshots of emails and request. I believe MOHELA is a fraudulent company, and I am requesting for some assistance on how to receive the money that they are holding from over a year now. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
They didn't provide valuable or valid information. I don't know who is owed. They have been reporting to the credit bureaus Every month for over XXXX years. This is Extortion and they are relentlessly contacting me thru Different platforms.

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 was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

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
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: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am filing a complaint regarding an alleged debt being collected by Harris & Harris , Ltd. on behalf of XXXX XXXX ( XXXX ) for an amount of {$81.00}. I canceled my XXXX service and returned all equipment as required at the time of cancellation. I was never notified that any balance remained on the account, and I did not receive a final bill or notice indicating that funds were owed prior to the account being sent to collections. Despite this, I have recently begun receiving collection notices for this amount, and the account has negatively impacted my credit report. Because I was never properly billed or notified of any outstanding balance, I dispute the validity of this debt. I have requested documentation showing how this balance was calculated, proof that a final bill was issued, and confirmation of any basis for the charge. I am requesting that the company provide full validation of the alleged debt. If they can not provide sufficient documentation proving that this debt is valid and properly billed, I request that the account be removed from collections and any negative credit reporting be corrected or deleted.

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 2026-03-09 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this complaint regarding unauthorized electronic transactions on my account with Truist Bank. Unknown individuals gained access to my bank account and made multiple unauthorized purchases at XXXX and XXXX XXXX XXXX I did not authorize these transactions, did not make these purchases, and did not receive any goods or services related to these charges. These fraudulent charges began on XX/XX/XXXX. Because I am an elderly customer and do not frequently review my account online, I unfortunately discovered these fraudulent transactions on XX/XX/XXXX. As soon as I became aware of the issue, I immediately notified the bank and reported the transactions as unauthorized. Despite reporting the fraud and requesting an investigation, the bank denied one of the claims and refused to reimburse the funds. The bank stated that they were notified of the incident too late. However, the bank reimbursed all of the other fraudulent charges, including one that occurred one day after the denied transaction ( XX/XX/XXXX ). This inconsistent decision suggests that the denied transaction was not properly investigated. The statement containing the first unauthorized transaction is dated XX/XX/XXXX, and the fraud was reported on XX/XX/XXXX, which is within the XXXX reporting period required under Regulation E. I believe the bank failed to properly investigate these unauthorized transactions as required under the Electronic Fund Transfer Act and Regulation E. I formally request that the bank provide the documentation and evidence relied upon in denying my claim, including any records showing that these transactions were authorized, as required under Regulation E when a financial institution concludes that no error occurred. I am requesting that the bank : Conduct a proper investigation of the unauthorized transactions. Provide the documentation and evidence relied upon in denying my claim. Reimburse the unauthorized charge in accordance with the consumer protections provided under federal law. These transactions were not authorized by me, and I received no benefit from them. I am requesting assistance in resolving this matter and ensuring that my rights under the Electronic Fund Transfer Act are properly applied.

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: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: SC

Complaint narrative:
In XX/XX/XXXX, I submitted a Qualified Written Request ( QWR ) to the current servicer, requesting complete payoff, servicing, and custodial documentation for XXXX NationPoint/National City mortgages originated in XXXX and refinanced into a VA mortgage with XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. The servicer acknowledged receipt of my request but never provided any of the required documents. The documents I requested included : payoff accounting, wire confirmations, payoff application records, servicing history, assignments of the mortgage and note, the original promissory note and allonges, custodial chain of the note, XXXX release authority, and any records showing how the XXXX loans were paid off during the XXXX VA refinance. None of these records were provided. During my review of the public records, I discovered that the XXXX XXXX XXXX mortgages were still active at the time of the XXXX refinance. The lien releases were not executed until XX/XX/XXXX and were recorded in XXXX XXXX after the refinance closed. These releases were Lost Mortgage Satisfactions executed by XXXX XXXX XXXX XXXX, an entity that did not appear to be the lawful owner or servicer of the loans at that time. No power of attorney, servicing agreement, or custodial authority was recorded with the satisfactions. I also discovered that the title insurer and closing attorney from the XXXX refinance no longer have the title policy, payoff verification, wire confirmation, closing file, or any documentation showing that the prior liens were properly paid off or released. The title insurer confirmed that they could not locate any original notes, assignments, payoff records, or closing documents from the XXXX transaction. Because the servicer has not responded to my QWR, I still have no proof that the XXXX loans were properly paid off, no proof of payoff application, no custodial chain, no assignments, and no verification that the VA refinance was supported by a valid title or XXXX release. I am requesting CFPB assistance to obtain the required servicing records and to ensure compliance with RESPA, Regulation X, and VA loan requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems LLC regarding a collection account they are reporting on my credit report. Jefferson Capital Systems claims they received this account in XX/XX/XXXX and began reporting it to the credit bureaus. On XX/XX/XXXX, I contacted Jefferson Capital Systems and requested validation of the alleged debt. As of today, I have not received any documentation validating the debt. Despite my request for validation, the company continues to report this account on my credit reports. Under the Fair Debt Collection Practices Act ( FDCPA ), a consumer has the right to request validation of a debt, and collection activity should cease until proper verification is provided. On a subsequent phone call with Jefferson Capital Systems, I again raised the issue that no validation had been provided. During this call, the representative stated that the account would be deleted and that notifications would be sent to the credit bureaus within 30 days. I recorded this conversation. However, as of today, the account remains on my credit reports. Because Jefferson Capital Systems has failed to provide proper validation of this alleged debt and continues to report it, I am requesting that this account be immediately removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On or around XX/XX/XXXX, I received a XXXX alert about a new collection of {$1500.00} for a XXXX XXXX debit card from XXXX. A company called XXXX contacted Equifax which triggered massive drop of around XXXX points on my score, the debit showed it started in XXXX and XXXX full balance was due to them, the issue is I paid via a settlement offer in XXXX of XXXX to the actual collections company XXXX XXXX for half the balance which then was marked paid and removed from my credit file back in XXXX. Contacted XXXX XXXX to get information which they refused to give me any, found the receipt in my statements, called XXXX XXXX and the sent me a receipt from them showing paid, called XXXX ( which has a no working number listed on the credit report ) ask them if there was a mistake and explained how this debit was settled in XXXX for half, they said no it wasn't. XXXX XXXX wouldn't have accepted half that ; the full balance was owed, and they were trying to collect. I said, " Is there proof of this debit and was told they would mail it to me and had 15 days, or it would take 15 days. So in the meantime, my credit is being held hostage by a false debit that can be proven in seconds, and causing me emotional and mental strain cause I was in the process of refinancing, now that my score had been pushed past XXXX and XXXX XXXX, only for it to drop under XXXX and ruin/delay a very important financial adjustment to improve my families situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I have been trying to access my account information with XXXXcashcallXXXX for weeks starting on about XX/XX/year> and have been getting issues with my login information. It says it can not find my account information on the site but when I try to do a password reset, it says that the account information doesnt exist. When I tried to choose to make a new account on the site, it says it recognizes my account info, I called Caschall about this to try to get my account fixed so I can make payments online and see my current account information. They said they would try to fix the issue but no resolution has occurred. I called again last Friday and tried troubleshoot over the phone but they have not been able to fix it. Currently, I have no way to see up to date information on my account or to make a payment online.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Please see attached I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible.

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: Fees or interest — Problem with fees
Company: Bilt Technologies, Inc.
State: OH

Complaint narrative:
I have incorrect charges on my bilt XXXX credit card. I have tried contacting my leasing office Bilt credit card and XXXX XXXXXXXX. I have had no success.Apparently bilt who pays my rent to the XXXX XXXX in XXXX XXXX changed from XXXX XXXX to another banking system. In that process I have been charged twice what I owe on the credit card. I have a balance but they have listed a balance that is twice as much. The XXXX leasing office bilt and XXXX XXXX have been repeatedly notified with no response and no resolution. I'm hoping you can help.

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for the Chase XXXX XXXX XXXX back in XX/XX/XXXX with the promise of perks and a {$75.00} statement credit valid for up to XXXX year from account opening for any XXXX XXXX purchases. I purchased tickets on XX/XX/XXXX for a trip in XX/XX/XXXX. I called Chase XXXX Customer Service XXXX asking about when I would receive my {$75.00} statement credit and to my surprise, I was informed I will not be receiving it because apparently, this program was changed and the benefit ended on XX/XX/XXXX. According to the customer service rep, communication for this change went out in XX/XX/XXXX. I scoured through all my emails for any information on this ( note : I do not delete emails pertaining to Chase XXXX for future reference ) but did not find any email sent in XX/XX/XXXX from Chase XXXX. So I was surprised such changes were implemented without my knowledge. I escalated this to the highest customer service point over the phone to ask for reconsideration on the {$75.00} statement credit but was told the best they can do is to escalate to the marketing team for their action. I completely find this unacceptable as a Chase and XXXX customer. So far, I have received XXXX rejections and no resolution to the problem. I have approached both Chase and XXXX XXXX for this problem but each XXXX are pointing fingers, none taking responsibility for the failure to communicate and provide statement credit as originally agreed upon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported by National Credit Systems related to an alleged damage charge from XXXXXXXX XXXX in XXXXXXXX XXXX The apartment management confirmed in writing that there was no move-in condition report or inspection documentation in my file establishing the condition of the flooring when I moved into the unit. Without documentation showing the condition of the flooring at move-in, the property can not verify that the alleged damage occurred during my tenancy. Despite this lack of documentation, the account was sent to collections and is now being reported on my credit report. I dispute the validity of this debt and request that National Credit Systems investigate the account and remove it if proper documentation verifying the damage can not be produced.

Company response to consumer: Closed with explanation