vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-12 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: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

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 2026-01-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: PA

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX and a third-party collection agency named American Profit Phone number XXXX. 

XXXX XXXX sold my tuition balance to a collection agency after my employer stopped paying during the COVID-19 pandemic and eliminated my position. Despite selling the debt, XXXX continues to enforce a financial hold on my student account, blocking access to my transcript and preventing me from re-enrolling. 

The collection agency has stated that the balance must be paid in full or nothing, offering no settlement or affordable payment plan that will allow a timely transcript release. At the same time, XXXX refuses to release my academic records or provide a pathway to return and complete my degree. 

This puts me in an impossible situation where neither party will provide a solution. The school has already written off the debt but is still using it to deny access to my education and academic records. 

I am currently employed by XXXXXXXX XXXX XXXXXXXX, which offers full tuition benefits, but I can not use them because XXXX will not release my transcript. 

I am requesting CFPB review whether XXXX XXXX and the collection agency are engaging in unfair, deceptive, or abusive practices by using a sold debt to continue restricting academic access and records.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My XXXX  account has {$100.00} in it. I would like to deposit it into my bank account. XXXX  will not allow me to re-add my bank account because it has failed in the past. In previous customer service calls, when I had this issue, they did something on their end and I was able to delete and re-add my bank account. Now, they claim they are not able to. I have called my bank and they assure me there are no limitations on my account, and I am entering the correct information. There are no higher-ups at XXXX  who can help me, and the only solution they provide is to add another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Klarna AB
State: FL

Complaint narrative:
I financed a {$12000.00} purchase through XXXX installment plans with XXXX XXXX XXXX for services that included a shelf corporation represented as part of a process to make obtaining business funding easier. 

After the corporation was transferred into my name and I obtained the XXXX, I discovered the entity had no financial records or operating history and could not be used for funding without misrepresenting financial or tax information. I refused to proceed once this became apparent. 

No funding was applied for or obtained. I requested a refund promptly after discovering the issue. The merchant refused in writing and stated the transaction was non-refundable. 

After I disputed the charge, the merchant repeatedly contacted me by phone and threatened legal action and negative credit reporting despite my request for written-only communication. 

I am requesting assistance with this XXXX dispute because the product was not fit for its represented purpose and the merchant has refused to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful credit reporting and debt collection practices by spring oak capital. 
No account information provided. 
I formally dispute this alleged debt. Despite my dispute, the debt collector has furnished negative information to the consumer reporting agencies without providing proper verification, in violation of federal law. 
Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2 ( a ), furnishers may not report information they know or should know is inaccurate or unverifiable.Under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, the furnisher must conduct a reasonable investigation and verify the accuracy of the information before continuing to report it.

To date, no competent evidence has been provided to establish : * That I owe this debt * That the amount reported is accurate * That the collector has legal authority to collect or report this debt As such, continued reporting constitutes inaccurate and incomplete credit reporting.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the collector must cease collection activity until verification is provided.Courts and the CFPB recognize that credit reporting is a form of collection activity.

Under 15 U.S.C. 1692e, it is unlawful to use false, deceptive, or misleading representations in connection with the collection of a debt, including reporting an unverified or disputed debt.

Violations of CFPB Regulation F ( 12 CFR Part 1006 ) Under 12 CFR 1006.30, a debt collector must have a reasonable basis for furnishing information to a credit reporting agency.Reporting a debt without validation, or while a dispute is pending, lacks reasonable basis and is prohibited.

Harm Caused This unlawful reporting has caused : * Damage to my credit profile * Denial of credit opportunities * Emotional distress and financial harm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX Wells Fargo closed my account after I submitted a dispute for a charge that I did not make. Wells Fargo neglected to investigate the claim properly. On XXXXXXXX XXXX XXXXXXXX I received a notice in the mail stating that they made an error on investigating the charge and heres {$120.00}. I spoke with multiple people at Wells Fargo and no one can answer why or how? What they fail to realize is sending me {$120.00} does not justify the fact that I could not get a debit card, loans or a legit bank account due to this error. My direct deposit, my money for my bills and more was with Wells Fargo. Not only did this affect my money but it affected my mental health. I was forced to abandoned my apartment complex causing not only Wells Fargo closed account on my credit but a {$2600.00} charge on my credit. It was a ripple effect. Wells Fargo neglected to do their part on the promise they made when I first started banking with them. I need a resolution and HONEST answers

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 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I disputed Transunion about a credit collection account listed as XXXX XXXX 2 times due to inaccuracy. It came back verified ; however, they did not provide me with any information that tells me it was verified. I requested the following : Provide me with the full method of verification, including the name of the individual you contacted and the evidence supplied to verify this debt. 
Also, due to error, another credit bureau deleted this inaccuracy from my credit report. 
I have never heard of XXXX XXXX or agreed to my account being sold to this collection company.

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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My car loan of {$21000.00} was paid on XXXX XXXX. This amount has not been reported on my credit report showing this balance as outstanding.

I ' v asked customer service and a supervisor XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to update the credit file with the accurate amount. A representative shared today XX/XX/XXXX that this wasn't going to occur. After, I expressed this was unethical the representative stated it could take 3 to 6 months. It has bee3 months already

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mortgage Research Center, LLC
State: WA

Complaint narrative:
I had a lot of family members die in pretty rapid succession and i had funeral cost and plane tickets and other normal expenses that go along with it. i called and asked if i could do anything about being behind and they just keep saying yeah you can pay it. that was the only help i received. the only thing they previously spoke about was a mortgage modification which i learned very quickly that was a bad thing due to it just keep raising my monthly mortgage payment due to rising interest rates. i never got any assistance from veterans united or the lender that helped me purchase the home. then i had to go out to sea, as i am on XXXX  i was XXXX from XX/XX/year> till XX/XX/year> and i submitted my soldiers ' and sailors ' relief act request to hold the foreclosure. as i was XXXX i was unable to be reached. hoping i had a home to come back to. when i got back from the seven-ish month XXXX i had a notice on my door that said my home had been sold. I came back from XXXX homeless. this is the same thing that happened to my XXXX  with XXXX XXXX XXXX XXXX i didn't miss a payment before XXXX then went out and thought it was on auto pay. turns out it wasn't when i pulled into XXXX i received a few concerning emails about it so i called harbor stone and spoke with them about trying to re-establish auto pay. i asked if they could send me a document that i could fill out online and sign digitally because i was in a country i couldn't print things and get the information back to them so it would make it easier to get things going and they would get their money. the form that was sent was able to be filled out completely except the most important part which was the signature block i couldn't sign it to make it legal. unfortunately, we also happened to get orders that day to get underway the next day and so i had no time to figure something out. at that time, it was 2 months passed due and i paid the 2 months to bring it current. when i got back to Washington i called them to work things out and the only resolution that i keep getting was you can either pay the full amount, or the repossession will just happen. i didn't get any sort of actual resolution. i was underway when both these companies did these things and only found out the legal actions happened when i got home.

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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had agreed to a payment plan with dating for courage for {$3000.00} with {$1000.00} a month charge. After 3 charges I got billed a 4th time and even a 5th time. I disputed the charges in XX/XX/year> but lost the dispute in XXXX. I filled another dispute with the credit card company on XX/XX/XXXX providing the email in writing I had that agreed to the payment plan. Despite providing the evidence I still lost the dispute again on XX/XX/XXXX. I had originally filled this case with my state consumer protection in XXXX but they sent me over to you since this is a credit card issue. 

The Company involved here is Citi Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: NC

Complaint narrative:
Hello, I just had an experience with Koalafi where I was being double on taxed on an item and inflating the terms of the loan and only disbursing the subtotaled amount. I called their customer service and they could not coherently explain why the prompts of there loan application was not clear and straightforward. The issue caused my loan to increase {$200.00} because the tax amount was about {$50.00}. 

This company needs to be looked into. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2026-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

XXXX XXXX XXXX XXXX - the inquiry was not authorized.

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