vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding obtained a judgment against me in XXXX XXXX XXXX, XXXX, PA on XX/XX/year>, without my knowledge or receipt of proper notice. I did not receive a summons, complaint, or any communication that would have allowed me to respond to the lawsuit. I only became aware of the judgment when the court sent a letter to my old address, which was delivered to a former neighbor who informed me that I had mail. 

Because I was not notified, I was denied the opportunity to dispute or validate the alleged debt in court. I believe this action may violate my rights under debt collection laws, including the Fair Debt Collection Practices Act ( FDCPA ), and raises serious due process concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My starting balance on the escrow statement was about {$8000.00} off after having my mortgage transferred from XXXX XXXX Truist, which raised my mortgage payment by about 20 %. I don't have the money for this increased bill, which is in error, so they better not charge me late fees or report to CRA. Why would a starting estimated and actual balance be different??? My actual balance is about 3 months worth, so more than the required 2 months worth, but the problem is in the starting Estimated starting balance was {$8000.00} lower than the Actual starting balance. Part of the problem is that XXXX paid my property tax in XX/XX/year>, then transferred the loan in XXXX, but because Truist pays property taxes in XXXX they assumed a shortage, even though the bill had already been paid and I had a surplus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 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: CL Holdings LLC
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Dear XXXX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed are no longer outstanding for the following items : Party Owed : MIDLAND CREDIT MANAGEMENT Amount : {$5500.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Have reported and have messed up my credit score by lowering g it and reporting a collection

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 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One rep, XXXX, claims an affidavit was reissued regarding check in amount of {$4200.00}, in which case, it was not received. It appears affidavit may have been mailed to old address, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, I moved from this address in XXXX of XXXX. The amount, {$4200.00}, represents closing balance in Capital One 360 checking account, closed in XXXX. A check was mailed to my address in XXXX of XXXX, a stop payment placed on it prematurely, a second check reissued while I was on vacation, check was intercepted by another party, fraudulently cashed. When brought to attention of Capital One, their rep, XXXX XXXX, rep failed to send an affidavit. An affidavit was sent several years later, submitted to Capital One. The cashing bank, XXXX XXXX, did not received on their end, when brought to Capital One 's attention, they refused to take any action, advised to wait, even after 90-day period lapsed. Since Capital One refused to take action yet again, I attempted to reach out to party who may have cashed check, party initially agreed to reimburse lost funds, did not provide a check. Capital One reps were advised of situation, refused to reissue affidavit, ignored information provided showing non-receipt of funds. As stated, prior, XXXX with Capital One claims to have reissued affidavit. however, it was not received. At this point, Capital One reps refuse to reissue affidavit, despite prior Capital One rep 's errors including placing stop payment prematurely, failing to issue affidavit when brought to their attention in XXXX. Capital One rep ( XXXX ) now claim they have no recourse to recover funds, which is their own error, due to placing stop payment prematurely, failing to issue affidavit in XXXX ... Complaint ( XXXX ) marked as duplicate will be sent to OCC where marking as duplicate is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital has put a medical debt on my credit report and violated New Jersey Law. 

Under New Jersey 's XXXX XXXX Medical Debt Relief Act ( XXXX ) ( effective XX/XX/XXXX ), medical creditors or collectors are prohibited from reporting most medical debts to credit reporting agencies. Specifically, paid medical debt or any medical debt under can not be reported, nor can debt from services performed on or after that date. 
Key details regarding medical debt in NJ : Prohibition : Medical creditors and debt collectors are banned from reporting medical debts for services rendered on or after XX/XX/XXXX, to consumer reporting agencies. 
Exceptions : The law prohibits reporting of paid debt and any debt with a value less than. 
Collection Restrictions : Creditors can not engage in collection actions until 120 days after the first bill is sent and must offer a reasonable payment plan. 
Federal Context : While a federal CFPB rule to eliminate most medical debt from credit reports was finalized in XXXX, it faced legal challenges ; however, NJ 's state-level protections remain in place. 
If a medical debt was improperly reported, consumers can dispute it with the credit bureaus ( XXXX XXXX XXXX ). 
Know Your Rights About Medical Debt XX/XX/XXXX medical-debt XX/XX/XXXX. A MEDICAL CREDITOR OR MEDICAL DEBT COLLECTOR CAN NOT : report any medical debt to a credit agency for health.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX SC XXXX Re : Account Number XXXX To Whom It May Concern : I am writing regarding the above-referenced account. 
Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I hereby request that you cease and desist from all further communication with me regarding this alleged debt, except as permitted by law. 
You may only contact me to : Advise that further collection efforts are being terminated ; Notify me of any specific legal remedies you intend to pursue ; or Inform me that you are invoking a specific remedy permitted by law. 
Additionally, if you have not already provided proper validation of this debt as required under XXXX U.S.C. XXXX, I request that you provide written validation in compliance with the statute. 
Please be advised that any continued communication outside of what is legally permitted may constitute a violation of the FDCPA and other applicable federal or state laws. 
This letter is not an acknowledgment of liability for the alleged debt, nor is it a refusal to pay. It is a formal request for compliance with federal law. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX and Source Receivables Management , LLC for fraudulent and inaccurate reporting of an alleged account balance of {$110.00}. 

I have no knowledge of this account and did not open or authorize any account with XXXX XXXX XXXX XXXX as of recently. I have never entered into any agreement that would result in a debt owed to this company. Despite this, an account reflecting a balance of {$110.00} has been reported in my name and is being associated with my credit profile. 

Furthermore, Source Receivables Management , LLC is reporting or attempting to collect on this alleged debt without providing proper validation or proof that this account belongs to me. I have not received sufficient documentation demonstrating that I opened this account, authorized any services, or owe this balance. The reporting of an account that I did not open constitutes inaccurate and potentially fraudulent reporting. 

This matter raises serious concerns regarding identity theft, improper account handling, and violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting and attempting to collect on an account without verifying its accuracy is unlawful and harmful to consumers. 

I am requesting that this matter be fully investigated and that the alleged {$110.00} account be immediately removed from my credit file unless these companies can provide documented proof bearing my signature or verified authorization showing that I knowingly opened and agreed to this account. If they can not provide such proof, the account must be permanently deleted and any collection activity must cease immediately. 

I also request written confirmation of the results of this investigation and confirmation that any negative reporting associated with this alleged account has been removed. 

If this issue is not resolved promptly, I am prepared to pursue further action and request additional regulatory review. 

I respectfully request a thorough investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
My mortgage servicer, XXXX XXXX XXXX XXXX, changed my required monthly mortgage payment without providing me proper notice. I received no mail, no email, no phone calls, and no written communication informing me of any change to my payment obligation. 

I continued making timely monthly payments in the full amount I had previously been billed. At no point was I informed that my account was delinquent or in default. 

I only became aware of the alleged default after it appeared on my credit reports. This reporting caused immediate and unjustified damage to my credit. 

When contacted, the servicer claimed that notices were sent, yet they have not provided proof that notice was properly delivered. I have requested documentation of all alleged notices, including dates, delivery method, and address used. 

This is a servicing failure and inaccurate credit reporting. I am requesting that the servicer correct the account, remove all late/default credit reporting related to this error, and provide documentation demonstrating compliance with federal servicing notification requirements. 

During a phone call with the servicer on XX/XX/2026, I was informed by a representative that this type of payment misapplication is common. I have a recording of this call.

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 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am disputing a transaction of {$140.00} for a defective product. I have clear evidence from the merchant admitting the item has a 'faulty circuit break board. ' However, Cash App has obstructed my right to a fair investigation. On XXXX XXXX XXXX I received an email from a support manager ( XXXX ) that was entirely contradictory. The manager stated that I was 'unable to provide additional evidence ' because a dispute was filed, yet in the same email 'invited ' me to provide new information. 

The company then moved to resolve the complaint portion of my case claiming 'no new information was provided, ' despite the fact that their own internal processes and agents have blocked me from submitting the merchant 's admission of the defect. This is a failure to conduct a 'reasonable investigation ' as required by Regulation E. The company is using circular logic to close disputes without reviewing consumer evidence. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I was charged {$1300.00} by XXXX XXXX XXXX XXXX KY, I then proceeded to file a dispute and after 30 days of no response I reached out and asked for the status of the dispute. PayPal Cashback Mastercard customer service then told me that there wasnt a dispute on file and if I would like to file a new dispute. I did this 3 more times each time they would send me a new card but never a response of the status of the dispute nor a resolution. I did receive an email once about my dispute being filed with information about {$0.00} fraud liability but again after 60 days no response or resolution.

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 2026-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
Since XX/XX/year> trying to register my car in FL and the lien didn't send the title. My registration expired this month and I am paying for a car that It is not registered and can't use. 

Lienholder delaying interstate title transfer preventing lawful registration

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Product : Checking / Debit Card Company : Truist Financial Issue : Fraud and poor customer service/ security failure What happened On XX/XX/year>, a criminal impersonated me and called Truist to order a replacement debit card on my account to be shipped to my house. The individual then intercepted the UPS delivery at my home on XX/XX/year>, activated the debit card and conducted more than {$3000.00} in unauthorized debit transactions. 

During the impersonation call on XX/XX/XXXX, Truists authentication procedures were not properly followed. Specifically : -A one-time passcode ( OTP ) was sent to my phone but was never provided by the caller. 

Despite this failure, the Truist representative reportedly allowed the caller to proceed and issued the replacement debit card. 

On XX/XX/XXXX, I received an email notifying me that a debit card was being shipped to my house. I called Truist and told them I did not order a debit card and asked why I was being sent one and I also told the representative about one-time codes that had been texted to my phone the evening prior. 

The representative could not indicate why the card was being sent. They said either someone ordered it or it was being issued as a precautionary security measure but they weren't sure which occurred. They told me not to worry since it was being shipped to my house and to just activate the card when it arrived. 

During that phone call on XX/XX/XXXX, I set up a " code word '' with Truist and asked that it be required any time someone calls in about my account. 

Critical additional failure When I detected the fraud on XX/XX/XXXX, I immediately called Truist to report unauthorized activity. While I was actively on the phone with a Truist representative : -The criminal simultaneously contacted Truist ; -The criminal transferred approximately {$4000.00} from my savings account to my checking account ; -I was receiving calls and text alerts from Truist at the same time I was already engaged with a representative ; -The caller again did not provide the required OTP or my code word ; Despite the active fraud report and authentication failures, the transfer was allowed to occur. 

This indicates that Truists real-time fraud protections and call authentication controls may have failed. 

Truist ultimately reimbursed the unauthorized transactions within a month. However, the security failure exposed me to significant risk and forced me to incur out-of-pocket expenses to protect my safety and identity, including approximately {$500.00} in home security equipment and additional personal safety purchases. 

There was also an unexplained address change on my account in XXXX or XXXX prior to the XXXX fraud, which raises further concerns about account monitoring.

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 2026-02-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This dispute involves food that was materially misrepresented and not delivered as described. The denial states that I did not return the merchandise. The item at issue was prepared food, which is perishable and not reasonably returnable once opened or consumed. 

I provided photographic documentation demonstrating the misrepresentation and attempted to resolve the matter directly with the merchant. The merchant did not provide a satisfactory remedy. 

Under the Fair Credit Billing Act, disputes involving goods not as described require a reasonable investigation based on the nature of the transaction. A return-of-merchandise requirement is not applicable to perishable food.

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 2026-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Below are the details of my interaction with my Mortguage provider PHH Mortgage My loan was transferred to PHH in XX/XX/XXXX ( Exhibit A ). In XX/XX/XXXX, I discovered my property taxes were delinquent despite sufficient escrow funds. 
PHH confirmed via email that payments were incorrectly applied to a neighbor 's property due to an incorrect parcel number. 

Additionally, while XXXX XXXX assessed my XXXX taxes at {$6000.00} ( Exhibit C ), PHH charged my escrow account {$14000.00} in taxes ( Exhibit D ), an overage of {$8500.00}. 
This misapplication of funds has prevented me from paying down my principal, resulting in approximately {$2400.00} ( Exhibit D ) in additional interest in XXXX. 
Despite repeated follow-ups since XX/XX/XXXX ( main chains attached for reference ), PHH has XXXX to resolve the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX continued charging fees even though service provided only XXXX time. Service was then cancelled but the company still continued to charge and threatened with Debt Collection ( ARM Solutions XXXX XXXX CA ).

Company response to consumer: Closed with explanation