vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a dispute for a charge from XXXX XXXX for an oil change that was billed but not performed. Capital One opened the dispute and issued a provisional credit, but after that initial communication I received no further notice from them. Late last week I saw that the provisional credit had been reversed. When I called Capital One, they claimed they sent me a letter dated XX/XX/XXXX requesting additional information. I never received this letter, and Capital One did not email me, text me, or notify me through the app. The only place the letter existed was inside my online account, and I found it only after a representative walked me through where to locate it. Once I became aware of the request, I immediately uploaded all documents they asked for, including photos showing the oil was unchanged, the service light still on, and text messages with XXXX XXXX acknowledging the issue. Despite this, Capital One posted a new letter stating I did not provide the requested documents, which is factually incorrect. When I called again, Capital One first claimed they had not received the documents, then after checking admitted they had. Capital One then changed their explanation and said the dispute was denied because XXXX XXXX submitted a service as rendered/no warranty policy, which is irrelevant because my dispute is for services not provided at all. When I pointed this out, Capital One changed their explanation again and claimed the dispute was closed due to a missed deadline tied to the XX/XX/XXXX letter that I never received. They then stated this was a Visa policy and nothing could be done, even though the charge is well within the 90day dispute window and far earlier than Visas 120day limit for services not provided. Capital One has provided contradictory explanations, failed to send required notices, misapplied a warranty policy to a nonperformance dispute, misrepresented Visa rules, and closed the dispute despite having all requested evidence. I am requesting CFPB assistance to require Capital One to reopen the dispute, properly review the evidence, and apply the correct Regulation and Visa rules for services not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2. Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. I am requesting CFPB assistance to : 1. Require the collector to provide full and complete validation ; 2. Ensure they cease collection until validation is supplied ; 3. Correct or remove any unverified credit reporting ; and 4. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding a National Credit Systems collection account being reported for an alleged rental debt from XXXX XXXX in the amount of {$4800.00}. I previously disputed this account and requested validation of the debt, including documentation supporting the balance being reported, an itemized accounting of charges, and verification of the account. I did not receive sufficient documentation validating the amount being reported. After my dispute, I received a XXXX notification stating that the collection account had been reported as closed. However, the same account continues to report on my credit file as an open account with a balance of {$4800.00}. I am requesting that National Credit Systems explain the conflicting reporting, provide complete documentation supporting the debt and balance being reported, and verify the accuracy of the information being furnished to the credit bureaus. If the account can not be fully verified and reported accurately, I request that the reporting be corrected or removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I was looking at my Cash app and then saw that a transfer that was paid to an unknown to me person and I did a complaint on Cash app. I will speak with him in one. I just had to type it in and they said they would do an investigation I didnt talk to anybody personally in a few minutes later they said complaint denied next. On the second occasion that was a purchase made off of XXXX and I had to research and find out what XXXX was and I told him I have never purchased anything off XXXX and the same thing happen with that complaint it was denied. So after that, they had to give me another card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Whenever I applied for certain programs. Would get answers but when intently talking to a live person. I would get different answers pertaining to the certain loans. Mohela wasn't really clear.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I discovered two collection accounts on my credit report that I do not recognize and do not believe belong to me. It is extremely frustrating and concerning to find debts being reported under my name that have not been properly verified and that I have no knowledge of. The presence of these collection accounts has damaged my credit profile and has resulted in repeated collection efforts through various communication channels, causing substantial stress and frustration. As a consumer, I should not be subjected to collection activity for accounts that remain unverified and questionable, especially when they continue to negatively affect my financial opportunities and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint because I discovered a collection account on my credit report that I do not recognize and do not believe belongs to me. It is extremely frustrating to be confronted with a debt that has not been properly verified and for which I have no knowledge or responsibility. In addition to the negative impact on my credit, I have been subjected to repeated collection attempts through various forms of communication, creating significant XXXX and XXXX. As a law-abiding consumer, I find it unacceptable to be associated with an unverified collection account that is affecting my financial standing and causing ongoing XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 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: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to LVNV Funding LLC. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving LVNV Funding LLC owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect LVNV Funding LLC to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: FL

Complaint narrative:
I am filing this complaint regarding a collection account being reported by Portfolio Recovery Associates in the amount of {$320.00} on all three credit bureaus. I believe this account is inaccurate and does not belong to me. I have been disputing this account since XX/XX/year>, and I have included my initial dispute as reference. Despite my efforts, I have not received any form of verification, documentation, or communication from this company. I did not pay any fee for verification because no verification was ever provided to begin with. I have not been given any proof that this debt is mine, no contract, no account history, and no evidence showing any relationship between myself and this company. I never signed any agreement with Portfolio Recovery, never conducted business with them, and never received any services from them. At this point, it is very concerning that this account continues to be reported without proper validation, and it feels like a clear failure to properly investigate my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
We went to get a duplicate title for a XXXX XXXXXXXX XXXX XXXX and were told we had to get a Lien Release from TD Auto because they have never released the lien even though the car is XXXX XXXX XXXX. Called them on XX/XX/XXXX, they said they have 10 days to mail it out and up to another 7 business days for it to arrive. We have never received it. We are both ill, we have a friend wanting to purchase the car for their son and we can not sell it to get the money. We have called TD numerous times with no other options but to keep waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
On XX/XX/year>, I disputed inaccurate information being reported on my credit reports. I am requesting that XXXX XXXX XXXX XXXX conduct a thorough investigation of the account showing a balance of {$770.00}. If the account and any related negative information can not be properly verified, I request that it be removed from my credit reports. I also request that any corrections be updated across all credit bureaus and reflected in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I am filing this complaint against Selene Finance regarding the servicing of my mortgage loan ( Loan # XXXX ). In XX/XX/year>, a scheduled mortgage payment was not automatically withdrawn from my account despite having a valid payment method on file. I received no phone calls, emails, text messages, or any other notices that the payment had failed. In XX/XX/year>, I received a letter demanding payment for XXXX and XXXX totaling approximately {$4600.00} ( {$2300.00} per month ). When I called Selene Finance to make the payment, I was informed that the amount due had suddenly increased to over {$8000.00} because the loan had been placed in default and a 16 % default interest rate was applied retroactively, along with additional fees and penalties. During the same call, I was told that Selene Finance could not accept any payment until they provided a payoff amount, which would take 57 business days. I was also incorrectly informed that the loan was in active foreclosure and was advised to contact the attorneys handling the foreclosure. I followed their instructions and called the attorneys, who confirmed that the loan was not in foreclosure and that the information provided by Selene Finance was incorrect. This back-and-forth process took several days and caused significant unnecessary stress. These servicing failures lack of proper notification, improper default status and interest charges, inability to accept payments promptly, and providing false information about foreclosure have caused my account to become more than 30 days past due and have placed me at immediate risk of further default and potential foreclosure proceedings. Requested Resolution : Immediately reverse the retroactive 16 % default interest rate and all related late fees/penalties. Correct the account balance back to the original contractual interest rate, with the amount due approximately {$4600.00} for XXXX and XXXX plus any legitimate current charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I satisfied my debt obligations to Macy 's and XXXX XXXX XXXX XXXX over six weeks ago. Both companies have not updated my credit to show XXXX balance. This is causing me a great deal of stress as I have a mortgage loan in processing that is supposed to close next week. I truly need help getting both accounts to post XXXX balance with all three credit reporting agencies 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 2026-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MD

Complaint narrative:
I am submitting this complaint regarding XXXX private student loans currently serviced by MOHELA XXXX owned by XXXX XXXX XXXX XXXX. The original principal balances of these loans were {$9000.00} XXXX {$5000.00}, for a combined original balance of {$14000.00}. According XXXX the loan histories provided by the servicer, I have already paid approximately {$22000.00} toward these loans. However, only approximately {$2600.00} was applied toward principal. More than {$18000.00} was applied toward interest, XXXX additional fees were charged. Despite having paid more than the original amount borrowed, the current combined balance remains approximately {$51000.00}. As a result, the total amount associated with these loans now exceeds {$73000.00} when combining the amount already paid XXXX the amount still owed, despite the original amount borrowed being only {$14000.00}. The transaction histories provided by the servicer indicate that approximately {$38000.00} in interest was capitalized XXXX added XXXX principal over the life of the loans through deferments, forbearances, payment postponements, grace period adjustments, XXXX other account status changes. I requested a complete explanation of how the original {$14000.00} balance grew XXXX more than {$51000.00} despite substantial payments made over the years. In response, I received only a general explanation that interest accrues XXXX may be capitalized. I did not receive a complete accounting showing the basis for each capitalization event, the disclosures provided before capitalization occurred, or documentation showing that each deferment, forbearance, or payment postponement was properly requested XXXX authorized. I am seeking transparency XXXX documentation regarding the growth of these balances XXXX the capitalization of interest over the life of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year>, I deposited a {$1700.00} insurance refund check into my Huntington checking account using Huntington 's mobile deposit feature. The check was payable to two payees, and both payees had endorsed the check before deposit. Huntington notified me that a hold had been placed on the deposit until XX/XX/year>. On XX/XX/year>, Huntington sent a second notification stating that the hold had been released. Despite receiving notice that the hold had been released, the funds were not available. Huntington never contacted me to advise that additional documentation was required. I only learned of an endorsement release requirement after I contacted Huntington to ask why the funds remained unavailable. After learning of the requirement, I immediately obtained the requested endorsement release and returned it to a Huntington branch. Huntington is now continuing to hold the funds and has imposed additional review periods. My concerns are : 1. Huntington notified me that the hold had been released but did not make the funds available. 2. Huntington never notified me that additional documentation was required. 3. Huntington representatives have been unable to explain why the hold-release notification was sent. 4. Huntington has repeatedly extended the timeline after I satisfy each requested requirement. 5. Huntington has not clearly explained the final resolution process or why the funds remain unavailable after receiving the requested endorsement release. I am requesting a written explanation of the timeline, the basis for continuing to withhold the funds after issuing a hold-release notification, and prompt resolution of this deposit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: KY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Plaza Services for committing identity theft. I have never given Plaza Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation therefor Plaza Services committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Plaza Services can not provide me with proof such as a signed agreement between me and Plaza Services giving them permission to work with me regarding any debt they believe that I owe or tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Plaza Services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Plaza Services continues its collection efforts, I will file for litigation for actual damages caused and Plaza Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation