vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I am submitting this complaint regarding an alleged debt being collected by Credit Collection Services ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on behalf of XXXX. I dispute this alleged debt in its entirety. I have never authorized, entered into, or signed any agreement with XXXX that would create the obligation being claimed. Additionally, I did not authorize any third party to access or use my personal information for the purpose of collecting or reporting this alleged debt. Despite this, Credit Collection Services has attempted to collect this alleged obligation and may have reported or attempted to report it to consumer reporting agencies. Reporting or attempting to collect an inaccurate or unverified debt raises serious concerns under federal consumer protection laws. This conduct may constitute violations of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681e ( b ), which require entities that furnish information to consumer reporting agencies to provide accurate information and conduct reasonable investigations when disputes arise. Additionally, these actions may violate the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e and 1692g, which prohibit debt collectors from making false or misleading representations regarding a debt and require proper validation of the alleged obligation upon dispute. I request that they immediately cease all collection activity and ensure that any reporting related to this account is removed from all consumer reporting agencies. Furthermore, I request confirmation that my personal information will not continue to be used in connection with this disputed account unless and until proper verification is provided. If this matter is not resolved promptly, I am prepared to pursue all available remedies under federal and state consumer protection laws, including seeking legal counsel and pursuing legal action for any violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I request that this matter be investigated and resolved as soon as possible.

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 is not yours
Company: National Credit Systems,Inc.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Climb Credit Inc.
State: KY

Complaint narrative:
Date : XX/XX/scrub>XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Regarding Deceptive Lending Practices Climb Investco / Climb Credit To Whom It May Concern, I am submitting this complaint regarding a loan issued through Climb Credit / XXXX XXXX in connection with a vocational training program. I believe I was induced into taking this loan based on misleading and deceptive representations regarding job placement outcomes and the quality of the educational program associated with the loan. At the time I enrolled in the program and accepted financing through Climb, I was led to believe that the program had strong employment outcomes and that Climb had vetted the school and its job placement results. Representations made by the program and/or lending partners suggested that graduates would have a high likelihood of securing employment in the relevant field after completion. Based on these assurances, I agreed to take on a loan through Climb in order to participate in the program. However, the promised outcomes were not realized. The job placement assistance and employment prospects that were represented during enrollment did not materialize, and the program did not deliver the career opportunities that were implied when the loan was offered. I have since become aware of the Consumer Financial Protection Bureaus lawsuit against Climb Credit, XXXX XXXX, and related entities alleging deceptive practices in connection with loans used to finance coding bootcamps and similar vocational programs. The allegations in that lawsuit appear to closely mirror my own experience as a borrower. I believe that I was part of the group of consumers who were misled into taking out these loans based on inaccurate or misleading representations about employment outcomes and program vetting. Had I been provided with accurate information about the programs true job placement rates and career prospects, I would not have agreed to incur this debt. Because of these circumstances, I respectfully request that the CFPB review my case and consider my inclusion in any consumer relief, investigation, or enforcement actions related to Climb Credit/ XXXX XXXX and their lending practices. Specifically, I request that my loan be investigated for potential cancellation, discharge, or other appropriate relief if it is determined that the loan was issued as part of the deceptive practices described in the CFPBs enforcement action. I am willing to provide any supporting documentation, including loan records, communications from the program, or marketing materials that influenced my decision to enroll and take on this debt. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, KY, XXXX [ XXXX ] ( XXXX : XXXX ) XXXX Loan Servicer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Springboard Approximate Loan Amount : XXXX

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 when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I made a payment to my Barclays credit card on XX/XX/XXXX for my XXXX XXXX. I then made a payment on XX/XX/XXXX for my XXXX payment as the government was shutdown. I work for XXXX and i am in non pay status. I told the company this and they told me they know nothing about a shutdown in XXXX. I did this payment in good faith.

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 — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
We bought couch and love Seat for {$8400.00} on XX/XX/XXXX and used a Capital 1 XXXX XXXX XXXX XXXX XXXX for Purchase. We paid the item off in full in XX/XX/XXXX. We were surprised that we were billed for interest of XXXX for 2 months. The delivery was set for XX/XX/XXXXXXXX XXXX XXXX called on XX/XX/XXXX and said that a full return was being sent to Capital 1 XXXX XXXX. XXXX XXXX did there XXXX Capital 1 did not. We have been waiting now for 3 weeks for check in amount of XXXX to be sent. Today XX/XX/XXXX AFTER 4 called to Capital One we were told that because the check is so large is could take another 31 days before refund is issued. Additionally, the are refusing to refund interest on item never received that was 6 months interest only. They offered to return {$50.00} of the interest but would not explain why the full amount of XXXX was not being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited a check from XXXX XXXX XXXX into my Capital One account on XX/XX/year> via XXXX XXXX. The check was issued by a legitimate financial institution and deposited in good faith. However, Capital One has refused to release the funds, claiming they are unable to release the funds, calming they are unable to verify the check. I was informed an investigation was initiated be because of fraudulent activity, my accounts with Capital One were Frozen and Closed, however i have yet to be informed the results or see the money. I have contacted both XXXX XXXX XXXX and Capital One bank to resolve this matter. I Visit XXXX XXXX XXXX and they have indicated that the check is legitimate and issued me a copy of the check with endorsement showing Capital One cleared the check ( i have attached a copy ), yet Capital One continues to withhold the funds without providing a clear explanation, reasonable verification process, or timeline for resolution. This situation has created financial hardship and significant inconvenience. I deposited the check following standard banking procedures and expected the bank to process the deposit in accordance with federal banking regulations regarding funds availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
There was a previous complain filed with the XXXX State Attorney 's Office, which was then forwarded to the State Banking Regulator who then forwarded it to Contoller of the Currency, who then forwarded it to CFPB. The complaint number assigned was Complaint ID XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX We made the payments for that vehicle ON TIME every month we traded it in in XX/XX/XXXX at XXXX XXXX XXXX for a new vehicle. I called for the payoff and the dealer verified the payoff when we picked up the new car. The payoff on the loan was {$23000.00}. The dealer send the payoff to TD-Bank via XXXX ( tracking number XXXX ) on XXXX XXXX, XXXX and it was signed for by TD-Bank on XXXX XXXX XXXX at XXXX est by XXXX XXXX. For some inexplicable reason, they did not process/deposit that check until XXXX XXXX XXXX. This is KEY, because they then began sending demand letters for {$58.00} to us, back of the envelope math shows 19 days of interest at 6.5 % is approx {$58.00}. When we received these, we called TD-Bank and while being very rude, they told us we were responsible for paying that {$58.00}. We explained that the XXXX XXXX XXXX XXXX had sent the provided Payoff amount within the payoff window for full payment in full. We figured it was just overlapping accounting that would catch up. WRONG. A month late I received an alert on my credit reporting app that my credit had just dropped by almost XXXX point due to a collection account being reported by TD-Bank . At this point I called the XXXX XXXX XXXX dealer to start collecting all of the documentation to show that there was in fact NO EARNED INTEREST on this loan, since they had been in receipt of the funds. That they had taken 18 days to deposit those funds does not entitle them to the interest during that period. After half a dozen phone calls with them, they finally agreed to wash the {$58.00}. HOWEVER they have continue to report this as PAID COLLECTION ACCOUNT.

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: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX XXXX to set up a payment plan to pay off an old debt with XXXX XXXX, I offered to pay over 3 years, they rejected it and said pay in full or over 6 months or else turning it over to attorneys who will seize checking accts. The f I could pay the amt all at once or over 6 months I would, asked it they could reduce XXXX and then maybe I could pay over 6 months. I got no answer. Ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Consumer Complaint Vehicle Sale, Financing Terms, and Hardship Name : XXXX XXXX XXXX : XXXX & XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : Credit Acceptance Corporation Account Number : XXXX Vehicle : XXXX XXXXXXXX XXXXr VIN : XXXX Loan Start Date : XX/XX/XXXX Initial Loan Balance : {$8700.00} Complaint : I purchased a XXXX XXXX XXXX from XXXX & XXXX XXXXXXXX XXXX XXXX in XXXX, XXXX. The vehicle was financed through Credit Acceptance Corporation beginning XX/XX/XXXX with an initial loan balance of {$8700.00}. At the time of purchase, the vehicle had over XXXX miles. Considering the age of the vehicle and the high mileage, the price and loan amount appear significantly higher than the typical market value for a vehicle in similar condition. Shortly after purchasing the vehicle, I began experiencing mechanical problems that made the vehicle unreliable and required unexpected repair costs. These issues created financial hardship and made it difficult to maintain the loan payments while also covering repairs and basic living expenses. Because of the vehicles age, high mileage, and mechanical issues shortly after purchase, I believe the vehicle may have been priced significantly higher than its actual value. The financing terms for this vehicle placed a significant financial burden on me. I have contacted Credit Acceptance requesting hardship assistance and the opportunity to cure the default and bring my account current. My goal is to work cooperatively to resolve the account and keep my vehicle. I am requesting a formal review of the vehicle sale and financing terms, consideration for hardship assistance or payment arrangements, and reasonable options to resolve the past-due balance while avoiding repossession. This vehicle is my primary means of transportation for work and daily responsibilities, and I am actively attempting to resolve this matter.

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 — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: NC

Complaint narrative:
I am submitting this complaint regarding a phone interaction I had with Hunter Warfield about an apartment-related debt they are reporting on my credit report. The reason I initially contacted the company was because I was unable to log into my account on their website. I was trying to access my account to review the details of the debt and understand my options for resolving it. When I called customer service, the representative did not assist me with the issue or provide any explanation as to why I could not access my account. Instead, the representative quickly shifted the conversation to asking whether I would make a payment that day. During the call, I scheduled a payment to be made next week in a good-faith effort to begin resolving the account. While speaking with the representative, I asked if the company offers a pay for delete option so I could better understand whether resolving the debt could potentially remove the collection from my credit report. The representative responded by saying, No, we dont do a pay to delete. I dont know if you saw that on XXXX but we dont do it. The tone and wording came across as dismissive and unprofessional and made me feel as though I was being mocked for asking a legitimate question. I was calling to resolve the issue responsibly and also needed help accessing my account information. Instead, I did not receive assistance with my login issue and felt dismissed while trying to ask questions about resolving the debt.

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 is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am disputing a debt claim from TekCollect regarding a former XXXX account ( # XXXX ). I formally requested a complete chain of title and a valid assignment of debt to prove their legal authority to collect this balance.The company failed to provide any documentationsuch as a Bill of Saleproving that this specific account was legally transferred from the XXXX bankruptcy estate to their agency. Instead, they provided only a legacy contract from XXXX. Since XXXX is a dissolved entity that ceased providing services, a copy of the original contract is insufficient to establish that TekCollect has the legal standing to collect this debt. I also requested closure of this account. I filed a prior dispute and the only things they provided was the account was to be placed in dispute and that I can contact them. This does not close the dispute, as they did not remove the account from reporting on my credit report.

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 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
I have student loans in repayment of about {$80000.00} and have been paying them under the Public Service Loan Forgiveness program, which states once the borrow works with a non profit organization full time for 10 years while paying student loans, the student loan balance remaining is forgiven. Since I am enrolled in the SAVE repayment plan, the Department of Education forced a forbearance on my loans, not allowing me to make qualifying payments for my PSLF program. Since XX/XX/year>, I have worked with a non profit organization for 10 years, thus I am eligible to apply to the Buy back program, allowing borrows to buy back the forced forbearance months and therefore qualify for completion of the PSLF program. I have waited for over a year for the department of education to process my buy back application so they can process my student loan forgiveness of my student loans. I called today and the PSLF department response is it shows your application is still active and still has not been processed. I believe the department of education is purposely delaying the forgiveness of student loans for borrowers enrolled under the SAVE plan who are eligible through the buy back program. Can the Department of Education be taken to court in order facilitate the benefits of the PSLF program be given to eligible student loan borrowers under law?

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
This is identity theft. I never took out this loan. I live in a completely different city.

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: ENCORE CAPITAL GROUP INC.
State: MS

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

Company response to consumer: Closed with 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: V and H Portfolio
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Sparrow Financial, Inc.
State: IL

Complaint narrative:
XX/XX/year> my account was closed because on late return fees I never checked but I kept making the payments and every time will verify return with an additional charge of {$40.00} plus and additional fee of XXXX purchase fee when I didnt even used the card because of being close well I Kept making payments payments of more that {$200.00} same thing it will get returned the next day with the additional fee added I made my last payment of {$210.00} to cover my balance and it got returned 1 day later with the additional fee added of {$40.00} but at this time I checked my bank and if showed that they credited the amount because the company is returning my payments so they can charge me {$40.00}. And scamming me over and over again this is a scam company and it needs to be hold accountable i called them and they keep saying they can not do anything but its horrible who knows how may other people they are scamming

Company response to consumer: Closed with explanation