vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Between XXXX I paid {$40000.00} of my student loans, leaving {$1400.00} remaining balance. I paid this remaining balance on XX/XX/XXXX. Payment was issued and then reverse. I addressed the issue with Aidvantage who said they were experiencing account issues yet the issue was resolved. I made the final payment again on XX/XX/XXXX. Payment was reported as issued and then again unexpectedly reversed after confirmation. I was not made aware of this and assumed my account was paid in full because we received paid in full letters. Furthermore, I received updates from Aidvantage XXXX, XX/XX/XXXX, and XX/XX/XXXX showing capitalized interest on my account as {$0.00}. If there was a balance, interest would have been applied since interest resumed on XX/XX/XXXX of XXXX. I wasn't notified by Aidvantage until XXXX of XXXX that my account was XXXX days past due, which surprised me and shouldn't have been possible. I immediately logged in and noticed the reversal of our charges on XX/XX/XXXX despite confirmations of issued payment. I immediately made the required payments to pay the account in full on XX/XX/XXXX and XX/XX/XXXX, and tried to reach out to Aidvantage to help resolve this since they were known to have ongoing account issues, including payment processing, account balances and payment posting. They recognized the issue yet refused to help with the credit report stating that they were unable to do so and the reporting agency would not allow them to do so. ( I have all of the available documentation and proof to show all of the information I mentioned above is 100 % accurate and honest. ) Please let me know if you can assist me with resolving this minor error as it would mean the world to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
I am writing in response to your contact regarding a debt you are trying to collect. This is a notice that I am disputing this debt and requesting validation. Under the Fair Debt Collection Practices Act, I am requesting you provide the following : Why you believe I owe the debt and to whom it is owed. The name and address of the original creditor and the current owner of the debt. A copy of the contract or document creating the debt. A detailed, itemized accounting of the alleged debt, including the principal, interest, and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because my mortgage account is being reported inaccurately on my credit report. The account listed as XXXX XXXX XXXX XXXX XXXXXXXX XXXX Mortgage entered an approved forbearance and loan modification due to financial hardship. I have been making payments according to the negotiated payment schedule and I have provided documentation confirming these payments. Despite this, XXXX and TransUnion continue to report information that does not accurately reflect the status of the account. I also have not received a clear method of verification or documentation showing how this information was verified. Under the Fair Credit Reporting Act, credit reporting agencies must ensure that the information they report is accurate and must conduct a reasonable reinvestigation when a dispute is submitted. I am requesting that the credit bureaus properly review the documentation provided, correct any inaccurate or misleading reporting, and remove any dispute indicators or remarks that no longer apply so that the account reflects its correct status.

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 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX {$250.00} for each date was deposited into the wrong savings account. I contacted my employer and the bank ( capitol one ) I filed a claim XX/XX/year> at the direction of the employer as the funds had not been kicked back at that time. Capitol one denied the claim XX/XX/year> stating they had not received the amount deposited into her account. Again I explained they wouldn't see the amount deposited in my account as the account number I had provided was incorrect and it was deposited into another capitol one account. After many many phone calls including having my employer on XXXX way there has been no resolution. Today XX/XX/year> my mom and I called and they lady confirmed the funds were received and deposited into another capitol one account but told me to contact my employer to have them request the funds. She then refused to allow me to add my employer to the call on XXXX way as she said that is against company policy and she disconnected the call. The employer is stating they cant do this as this a banking issue and the bank needs to reverse the deposit. If this is somehow a way that we can get this resolved as I am a college student and {$750.00} is a lot of money. I am waiting to get this resolved so I can close out my capitol one account as this should not be this hard. In the attached document XXXX are the incorrect account number deposit, XXXX is the correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX forgive credit card- XX/XX/year>, I am in debt for {$710.00} and I was not aware of this? I have no clue even what this account is, this has resulted in my credit score decreasing and harder chance getting approval I request this to go under investigation immediately and removed and deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MIDLAND CREDIT MANAGEM s falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally raise a concern regarding my ongoing experience with XXXX XXXXXXXX. Since XX/XX/XXXX, I have been attempting to resolve an issue with them, but unfortunately, I have been met with continuous delays and a lack of clear communication. Despite providing all requested information promptly and being assured that my matter was under review, XXXX has not responded or followed up as promised. It is now XX/XX/XXXX, and I have yet to receive any meaningful update or resolution. I want to emphasize that I am not involved in any suspicious activity ; however, the prolonged lack of response and the runaround I have been given have caused me to feel uneasy and uncertain about the handling of my account. I am seeking your assistance to help ensure that XXXX XXXXXXXX addresses my concerns promptly and transparently. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
This complaint concerns a collection account being reported by Debt Recovery Solutions. I previously disputed this account and requested proper debt validation because the amount being reported appears incorrect. The company responded by sending a credit agreement from XXXX showing a {$1000.00} line of credit signed in XXXX. However, this document does not validate the balance currently being reported and collected, which is {$3200.00}. I specifically requested documentation showing the amount being collected and how the balance was calculated. The company did not provide any account statements, payment history, itemized balance calculation, charge-off balance, or documentation explaining how the balance increased from the original credit line to {$3200.00}. I also requested documentation showing the date of default, the date of charge-off, and proof that Debt Recovery Solutions has legal ownership or assignment of the account and the right to collect this debt. None of this documentation was provided. Despite failing to provide proper validation of the amount being reported, the company continues reporting and updating this account with the credit bureaus. The account was updated again on XX/XX/XXXX while the account is still disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: GA

Complaint narrative:
This company is violating my rights Under 15 U.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate information is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: TX

Complaint narrative:
Account XXXX XXXX # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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

Complaint narrative:
Validation of Debt Request - PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Selene Holdings LLC
State: NC

Complaint narrative:
My mortgages ( for three XXXX loans ) were transferred to this company XX/XX/year>. I have not been able to log into the platform, nor have I been able to communicate with anyone by phone. Instead, the auto service states that I would receive a call back ( and I never do! ). It's been 10 times, yes, 10 times! My insurance company said that my policies have lapsed because payments aren't made although my account is escrowed. My payments also increased tremendously. My Selene Loan was : {$8200.00} -- > now it's {$11000.00} ( and I just had this account opened XX/XX/year> ). Please advise what escrow is currently. My Selene Loan was {$9500.00} -- XXXX Now it's {$12000.00} ( and I just had this account opened XX/XX/year> ). Please advise what escrow is currently. My Selene Loan was {$7700.00} -- XXXX Now it's {$10000.00} ( and I just had this account opened XX/XX/year> ). Please advise what escrow is currently. Again, I have not been able to communicate with anyone! Horrible job so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Reached out to Bank of America on XX/XX/year> to offer a settlement amount to resolve my unpaid balance that was {$3800.00} ( last known amount ) with a lump sum amount of {$1500.00} for full and final resolution of all charges and alleged interest. Was informed that the amount was incorrect and I owed over XXXX and that a debt resolution company had entered into a settlement of XXXX on my behalf and that I can't negotiate a settlement. I requested documentation to be emailed and offered a lump sum payment based on a pro rata amount from a personal settlement received to resolve said debt. Was informed that they did not have to send it by email and if I wanted the information, they could fax it or snail mail it. I informed them that I do not have access to a fax machine nor reliable access to a good mailing address as I am on the road a lot due to my job. Was denied the opportunity to dispute my debt because their " rules and procedures '' trumps apparent Federal Laws and consumer rights to receive written access to the proof of debt. I am disputing the debt in question as I have not received an itemization of alleged past due balances and accumulated interest, nor did I agree to a settlement offer being reached through XXXX XXXX, whose services were terminated after they took several thousand dollars of my money and kept for themselves instead of paying my debt and putting me in further financial strain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX I received a letter from Mohela stating that my loans would be at 0 % interest and would not accrue any interest. I started accruing interest despite what i received and even after I called to let them know I should not be receiving any interest. In XX/XX/XXXXXXXX I received a letter with a loan update that showed interest accruing. XXXX of XXXX came and all my loans were accruing interest despite being told that it was incorrect and that my interest should be 0 %.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 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: LA

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 non-monetary relief