vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The CFM Group
State: KY

Complaint narrative:
In XXXX XXXX, I was contacted by a company claiming to collect a medical debt associated with a hospital account. The company identified themselves as XXXX XXXX XXXX. They contacted multiple family members attempting to reach me and told them the matter involved a legal issue and even gave them a case number. 

Due to the pressure and fear created by these contacts, I signed a payment authorization document sent through XXXX XXXX. The email requesting the signature came from a third-party domain ( XXXX ), which did not match the company name claiming to collect the debt. 

After signing the document, my debit card was charged by a different company name, DCR Management Group, which also does not match the collector name. A payment of approximately {$50.00} was withdrawn from my account. I replaced my debit card to stop further charges. 

Since then, they have continued to attempt contact with numbers flagged as SPAM. Once I blocked a number on my cellphone, they called my job. I am a teacher and I was in the middle of a class. The number I blocked was XXXX. The number that interrupted my class by calling my workplace and extension is XXXX. 

I do not believe this debt has been properly validated, and I believe the company used improper and possibly deceptive debt collection practices, including contacting my employer and family members and using different company identities for billing and communication. 

I am requesting investigation of this company, cessation of contact, and refund of any unauthorized or coerced payments.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 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: VA

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am submitting this complaint to report additional misconduct by XXXX that occurred after my original CFPB complaint regarding unauthorized transactions and dispute handling. 

Shortly after XXXX received notice of my initial complaint, XXXX took immediate action to close my account. The closure occurred approximately 13 minutes after notice of the complaint was received. I first received an email indicating the account was being closed. Only afterward did I receive emails stating the account was temporarily restricted for suspicious activity, which was inconsistent with the earlier closure notice and created confusion about the true status of the account. 

When I called XXXX specifically to ask about the temporary restriction notice, I was told the account had already been marked for closure. The representative refused to provide any details or explanation for why the account was being closed. 

The stated implication of suspicious activity is especially questionable in my case because I barely use this account. There is no reasonable basis for claiming ongoing suspicious activity as the reason for closure, and the timing of the closure so soon after my complaint creates the appearance that the closure may have been retaliatory or intended to discourage or complicate my efforts to pursue resolution of the underlying dispute.

I request regulatory review of this conduct, coordination with my original CFPB complaint, and appropriate corrective action to ensure the underlying dispute is properly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
I have sent over in the last XXXX months multiples types of communication efforts with Newrez with ZERO success. I have emailed, I have sent messages through the Newrez mortage online portal- no luck. We have an escrow account with Newrez, sadly, and we need to verify they are going to pay our insurances as they are supposed TO! We have been getting letters from our flood insurance company. I ended up just paying for our property tax because it was due by XX/XX/year>2026 and the city assessors office said it hadn't been paid yet. I am not waiting to find out during hurricane season that we've lost all our insurance coverages because this ridiculous company lacks all capability to communicate effectively OR AT ALL with their customers! Not only that but earlier this year, I sent over several documents for changes in our property eval letters and again, never received a response. I have not once, ever received a response from their mortgage company. Not when we have troubles logging online to set up with the autopay, not with the escrow issues, not with the property parcel number letters..... nothing!! It's insane how this company can be managing money to HELP ME when they can't even help themselves. We live in a hurricane prone area, we have to be sure this company pays our insurance as required so we don't lose coverage!

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 2026-02-05 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: CA

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo wrongfully denied my claim leving me to pay not only for the fradulent XXXX in charges on top of it XXXX was paid as overdraft while i was clearly opted out. The lady thet interviewed me falsly stated that i told her i was in pocession of my card when i clearly told her i was not.

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 2026-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
The company was emailed notification of the dispute and requesting for debt validation to this date. I have not received the information and the company is sending correspondence from XXXX different companies, which is the same company. What is spelled? XXXX XXXX XXXX and the other one is com XXXX same mailing address. 

I sent a letter a letter serves to serve as a formal and immediate dispute of the alleged medical debt referenced. Informed them that I do not acknowledge responsibility for this debt. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ), I am demanding full and complete validation of this account. 

I included the following information in my request letter : You are hereby required to provide competent evidence that this debt is valid and legally collectible, including but not limited to : XXXX. A complete itemized billing statement from the original medical provider XXXX. The exact date ( XXXX ) of service allegedly giving rise to this debt XXXX. Proof that I am the legally responsible party XXXX. A copy of any agreement bearing my signature that authorizes collection XXXX. Proof of your agencys authority to collect on this account XXXX. An accounting of all payments, adjustments, and insurance activity related to this alleged balance Be advised that medical billing and insurance errors are widespread, and until you provide the above documentation, this debt remains disputed in its entirety. 

During the pendency of this dispute, you are directed to immediately cease all collection activity, including phone calls, written correspondence, and reporting or re-reporting to any credit reporting agency. Any attempt to continue collection efforts without proper validation will be documented as a knowing violation of federal law. 

If this account has been reported to any credit bureau, you are required to notify them that the account is disputed. Failure to do so constitutes an additional violation of the FCRA. 

Should you be unable to provide the requested validation, you are required to permanently close this account, remove any credit reporting associated with it, and confirm such action to me in writing. 

Any further communication from your office that does not include the requested documentation will be considered harassment and will be preserved for potential legal action. 

I expect your written response within the timeframe mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
In end of last year, I was unknowingly scammed over the period of about 30 days. Made XXXX purchases to an individual, after many excuses we suspected we were being scammed. Many of us in this group called him out and he shut us out of a XXXXXXXX XXXX we had to pay to join. XXXX of the XXXX charges were made by credit card through XXXX. Barclays is the credit card company. i know scamming is a type of fraud since he took my money for items/products and didn't send them. i am left out XXXX dollars and upon the decision after investigation by Barclays said it should not have been disputed as fraud, but a charge dispute instead. Barclays claims they contacted the " merchant '' and he confirmed charges. that said after we discovered he is a scammer and cut off communication and since mocked us as a group, he would never be honest and tell Barclays he took my money and didn't send goods ordered. Barclays states because ( no support in how to file initially ) they can not refile a dispute for charges because an investigation was already done and they believe the scammer, a XXXX XXXX who is now well known to XXXX with many open disputes for scamming people. I have filed complaints about him and this scamming to FTC, FBI. Barclays also didnt do a thorough fraud investigation and supports criminals. I have since closed the account with them and will never do business again. XXXX is willing to give Barclays open investigation info but Barclays is not interested. XXXX is also not that supportive in this as they are the " middle man ''. Many many calls and hours have been spent contacting these XXXX companies to resolve this and not let a criminal win.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: WI

Complaint narrative:
THIS COMPANY IS CONTINUING TO REPORT TO MY CREDIT REPORTS AND I HAVE NO IDEA WHY- I SENT A VALIDATION LETTER AND HAVE NOT RECEIVED ANY INFORMATION.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
This debt collector is doing very shady work and unjustifiable practices of the FDCPA which it prohibits. This account was created on XX/XX/year>. The debt shows up twice on my report under collection. The name of this debt collector is a fraudulent business using shady tactics to retrieve people 's credit card information, last 4 of their social security, and date of birth. They tried to charge me {$470.00} using my credit card to pay for " credit removal '' services. I demand validation of this debt from the collector. According to FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I am writing to file a complaint regarding my Chase bank account, which was closed without any clear explanation. I had XXXX accounts : XXXX for savings with a balance of {$6000.00}, and another for my paycheck deposits, which had {$2400.00} deposited recently. After the account was closed, I was not given any information about the reason, and my funds were frozen, leaving me unable to pay my rent. I was told that the funds would be mailed to me within XXXX business days, but that has not happened. Additionally, I have been given the runaround by customer service and experienced unprofessional behavior. My account is under investigation, and despite having proof that the funds are legitimate, I have not received any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: CA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
A recreational vehicle loan was opened fraudulently in my name with Fifth Third Bank in XX/XX/XXXX in XXXX XXXX. I did not apply for, authorize, or have any knowledge of this loan. 
I first became aware of the account in XX/XX/XXXX when I received a collection notice from XXXX XXXX XXXX. Prior to receiving this letter, I had no knowledge that this account existed. After receiving the collection notice, I pulled my credit report and discovered the fraudulent loan, which reflects an outstanding balance of approximately {$59000.00}. 
I did not give permission to anyone to use my personal information. I have filed both a police report and an Identity Theft Report with the Federal Trade Commission documenting this identity theft. 
Despite being notified of the fraud, Fifth Third Bank failed to properly investigate and instead sent the fraudulent account to collections and allowed it to be reported to credit bureaus, causing damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Funding, LLC furnished and attempted to collect on the following accounts without providing competent verification or establishing lawful authority to collect or report : Account XXXX. XXXX Account XXXX. XXXX I disputed these accounts and requested validation. Despite the disputes, LVNV Funding continued collection activity and credit reporting without substantiating the alleged debts, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g and 1692c ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ) ).

I subsequently issued a formal Cease and Desist Notice demanding that LVNV Funding immediately cease all communication, collection activity, and credit reporting related to these accounts. LVNV Funding failed to confirm cessation, failed to provide legally sufficient documentation, and continued to maintain the tradelines. 

These actions constitute continued collection activity after dispute and notice, and demonstrate a failure to maintain reasonable procedures to ensure the accuracy, completeness, and legal compliance of information furnished to consumer reporting agencies. 

LVNV Funding has been afforded multiple opportunities to cure these violations and has failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I applied for a title loan with Wilshire Consumer Credit on XX/XX/XXXX. 
I never received the check for the loan funds. Since I never received the check on their end, it should show that there was never a check cashed for the loan amount. 
They were sending me statements to pay since they believed I had cashed the check. I would like to reiterate that I NEVER received a check from this company. 
I called them, telling them I am not going to make payments until I receive the money. 
They impounded my vehicle. I had to pay {$700.00} to retrieve my vehicle. 
They then put a lien on my vehicle with the Department of Motor Vehicles. 
They finally realized I had NOT received the money, so they wanted to reissue me another check for the loan funds. I told them no because they did not want to reimburse me for the {$700.00} for I was charged for them impounding my vehicle. 
I never received my vehicle title from them. 
In XX/XX/XXXX, a vehicle hit my vehicle, and her insurance company salvaged my vehicle. I refused to surrender it, and I took the salvage title. To receive my registration, I need Wilshire Consumer Credit to release the lien they put on my vehicle and release the title to me. My attorney has sent them a certified letter, and I have called them, but they will not respond. I found out that Westlake Financial Services bought Wilshire Consumer Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am submitting this complaint to request review and correction of a delinquency reported by Freedom Mortgage Corporation for XX/XX/year>. 

On XX/XX/year>, I submitted my full mortgage payment manually late in the evening. Because the payment was submitted at approximately XXXX p.m. XXXX and XX/XX/XXXX fell on a weekend, the payment was posted on XX/XX/year>. As a result, Freedom Mortgage reported the XX/XX/year> payment as delinquent. 

The payment was made immediately, in full, and only XXXX day past the posting cutoff due to weekend timing. This was not a failure or refusal to pay, nor was it related to financial hardship. I consistently make my payments manually, and this incident was the result of a technical posting cutoff rather than an intentional late payment. 

I contacted Freedom Mortgage directly to request a goodwill adjustment and supervisor review. My request was denied with a boilerplate response stating that credit reporting would not be changed as a courtesy, without meaningful consideration of the circumstances, my payment history, or the minimal timing issue involved. 

While I did experience a late payment over XXXX years ago, there has not been a recurring pattern of delinquency, and this isolated incident does not reflect my overall payment behavior. 

I am requesting that Freedom Mortgage conduct a supervisor level review and remove the XX/XX/year> delinquency as a goodwill adjustment, given that the payment was made promptly, in full, and delayed only due to weekend and cutoff timing. The current reporting is disproportionately harmful and does not accurately reflect my intent or creditworthiness. 

Thank you for your assistance in reviewing 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