vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: VA

Complaint narrative:
On or about XX/XX/year>, I began receiving email communications from this company regarding a debt account. These communications were sent to an email address that is not mine and has never been authorized for use on my account. The emails contained confidential debt collection information, including the balance amount owed and creditor information. I have never provided consent for disclosure of my debt information to any third-party email address. On XXXX, I notified the company in writing that the email address being used was unauthorized and instructed them to immediately cease communication to that address and correct their records. I requested written confirmation of the correction and an explanation of how the unauthorized email was added to my account. As of XXXX, I have received/ continued to receive communications sent to the unauthorized email address. This constitutes an improper disclosure of confidential debt information and a failure to safeguard my personal financial information. I am requesting confirmation that : The unauthorized email address has been permanently removed. No additional third-party disclosures have occurred. The company has implemented corrective measures to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate credit reporting related to a credit card account that is currently being reported under my name. The account in question reflects an outstanding balance and multiple missed or late payments that I believe are inaccurate, incomplete, and/or not properly substantiated. I dispute both the amount reported as owed and the payment history being furnished to the credit reporting agencies. Despite my efforts to review this account, the information being reported does not accurately reflect my records. Specifically, the reported missed payments do not align with my payment history, and the balance being reported appears incorrect. This inaccurate reporting has negatively impacted my credit profile and does not comply with the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report information that is complete, accurate, and verifiable. I am requesting that the furnisher of this account : Conduct a thorough investigation into the accuracy of the reported debt and payment history Provide documentation verifying the validity of the debt, including a complete payment history Correct or remove any inaccurate, incomplete, or unverifiable information from all credit reporting agencies If the information can not be fully verified, I request that it be deleted in accordance with applicable federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I went to get a loan from XXXX, title loan expert. When I did that, she or no one explain me in details about the way payment work. Or hidden fees. Basically she said, you make this payment every month and everyday the payment is late is XXXX XXXX I pay so far XXXXXXXX XXXX and the account says I only pay toward the loan XXXX XXXX XXXXXXXX is XXXX. The amount of the loan is XXXX And repayment was XXXX. Even XXXX I make XXXX on payments so far I still owed XXXX XXXX She keep telling me she told me all this but actually she was talking about her hair and personal life the entire process of the loan. She hide the truth and make me sign a document without reading it complete due it was time to close the store! She said I will send you the documents the following day and that never happens

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: NC

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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Amount {$12.00} Completed Date XX/XX/2026 paid balance in full before due date Amount {$73.00} Completed Date XX/XX/2026 I paid balance in full 3 days late, XXXX late charge and this on XXXX balance. I have had a dozen or more cards over the past 20 years and i ALWAYS pay the entire balance within the first billing to avoid interest. NEVER seen anything like this. They are pulling some kind of scam. I asked for my card to be cancelled and they would 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 monetary relief
Consumer complaint received 2026-03-02 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CA

Complaint narrative:
I got my identity stolen I recently reviewed a copy of my credit report and I will try to find several in accurate accounts if you could, please will decide my account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I bought a XXXX suburban in XX/XX/XXXX from a dealership in XXXX Texas called XXXX momentum with Truist bank as my financing bank. I refinanced said vehicle XXXX of XXXX, and the new loaner said to call the dealership to ask for my gap insurance rebate refund. I called the XX/XX/XXXX and spoke to the financing manager. He sent an email for my husband to sign and email back, which we did. I didnt hear back from them I assumed it was was a lengthy process. XX/XX/XXXX I called truist to see what was happening because its been a while now. The representative said that the dealer had 60 days from the date refinanced to contact Truist with an amount that needed to be refunded and she opened an investigation as it was past the 60 days. I called back the following Monday and noone knew what I was talking about. They opened another investigation. So I decided to reach out to XXXX XXXX and they responded that they have been waiting on Truist to fund their reserve funds so they can send it back to truist who will send me the check. So neither Truist or XXXX momentum have done nothing. Truist needs an amount to refund and the dealer wont give it to them and the dealer needs money in an account. Either way im done waiting and going back and forth.

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 2026-03-02 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: CA

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 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: DE

Complaint narrative:
Parent plus loan with Nelnet was taken out in XXXX for my daughter to attend XXXX XXXX. In XX/XX/XXXX XXXX XXXX ceased independent operations. The campus was transferred its acquisition by XXXX XXXX XXXX. My daughter did not continue her education with XXXX XXXX XXXX due to the overwhelming student population, negative actions regarding student safety and the negative attention with police activity that has occurred there several times, therefore the confidence of my daughter attending was withdrawn. Please consider discharging my Parent Plus Loan due to the closure of the school she was attending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
its been many hard inquiries that i didnt do on my credit report also following, the credit from chases on the closed account were not accounted for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
It was XX/XX/year> My family member was in costudy in one of correction centre that night around XXXX I had conversation with the officer who took my family member unfortunately after one or two hour later I got called it was imposter scammer act like from correction centre asked me to released my family member through XXXX and requested me a released money and yet I was in anxious situation I did and send {$1000.00} dollar in the early morning I contacted the officer I was scammed by imposter scammer and reported to the bank and they did investigated lasted they closed & denied the case but I do not feel well investigated and its imposter scammer the bank and their partner XXXX suppose to reverse the amount.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Its been removed from all other credit bureau I already have the proof its been removed. The creditor already removed from the other 2 credit bureau expect Experian in THIS CRAZY UNDER THE FAIR CREDIT PLEASE REMOVE!

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 2026-03-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I closed a CD and then started a new CD when matured. They had a computer glitch with the interest and mailed me the interest in the form of a check. This means they held onto the money form the time they realized the glitch, mailed a check which probably took them at least 10 days, the time in the mail and the time until I could get to the bank to cash the check. Therefore I am not getting the interest on the mailed check and now not getting it at the rate the CD is accruing. I know it's not a lot, but it's MY money. They should have somehow deposited back into this CD with the interest lost. OR they should have sent me an additional amount of good faith and lost money to me which they didn't. Their company policy is tough luck, be happy we are sending you YOUR money. Please fine them and/or make therapy me the interest I lost at the origin CD rate. This is unacceptable for a good bank and they feel they are off the hook for mailing me some of my money but not all.

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 monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a former account holder with Truist Bank and am requesting copies of my historical bank statements for my account ending in XXXX. On XX/XX/XXXX, I spent over an hour across two phone calls with Truist attempting to verify my identity. During these calls, I provided my Social Security number, account number, email address, phone number, and other identifying information that has historically been sufficient to access my records. Despite this, Truist refused to release my bank statements, stating that I needed to provide additional information such as my online banking username and the month and year the account was opened. I no longer have access to this information, as I do not have access to the account itself, which is the root of the issue. I was only able to locate my account number after searching through prior tax documents, which further demonstrates my effort to provide all available identifying information to facilitate verification. I was informed that the only way to obtain my records would be to appear in person at the nearest branch. The closest branch is located hundreds of miles from my current residence. When I explained this, I was told I would need to drive several hours or fly to a branch location. This is not a reasonable or practical option. I am simply requesting access to my own bank statements. I have offered to complete any reasonable remote identity verification process, including notarized documentation or secure submission of identification, but no remote alternatives were provided. I respectfully request that Truist provide my historical bank statements from XX/XX/XXXX through the account closure in late XXXX via mailed paper copies or secure electronic delivery. I also request that they provide a reasonable remote method for identity verification. Thank you for your assistance in 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX of Events XXXX XXXX XXXX : A massive, unauthorized spike in usage occurred on my XXXX XXXX account, totaling {$3600.00}. XXXX XXXX : XXXX XXXX Support acknowledged the irregularity and issued a partial credit. A remaining balance of {$670.00} persists. XX/XX/year> : I disputed a {$300.00} charge applied to my Discover credit card regarding this usage. XX/XX/year> : Discover closed the dispute in favor of the merchant, claiming the transaction was valid based on evidence provided by XXXX. Dispute of Evidence and Claim The evidence provided by XXXX to justify the charge is invalid and inaccurate : Lack of Timestamp : The screenshot provided by XXXX showing the geolocation of the unauthorized activity does not include a timestamp, making it impossible to correlate with the usage spike. Incorrect Location : The screenshot indicates activity originating from XXXXXXXX XXXX I have verifiable evidence that I was not in XXXXXXXX XXXX, during this period. Conclusion As the activity originated from a location where I was not present, this was a clear case of account compromise. I am not responsible for fraudulent charges resulting from security breaches on the platform. I request that Discover re-evaluate this dispute and that XXXX XXXX nullify the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am submitting this complaint regarding a material change to the benefits associated with my XXXX credit card account issued by Wells Fargo in partnership with XXXX Rewards. I originally applied for this account specifically because of the advertised ability to pay rent through the XXXX platform without fees while earning rewards points. This feature was the primary reason I opened the account. I understand that a notice may have been sent in XXXX regarding changes to the relationship between Wells Fargo and XXXX. However, I was not provided with a meaningful choice to retain the original product or benefits that were central to my decision to apply. The rent payment functionality was effectively removed or altered without my consent, and I was transitioned into a different product experience than what I originally agreed to. From a consumer standpoint, this represents a material change to the core value proposition of the account after it was opened. Consumers rely on advertised primary features when choosing financial products, and removing those features even with notice significantly impacts the fairness of the arrangement when no equivalent option is provided. I am requesting : 1. A clear written explanation of the changes and why customers were not given the option to retain the original rent payment functionality. 2. Restoration of the rent payment feature if possible, or an equivalent accommodation. 3. Consideration of compensation, goodwill adjustment, or the ability to close or convert the account without any negative impact due to the material change in benefits. 4. Confirmation that this concern has been documented in my account records. I am seeking fair treatment based on the product features that were advertised and relied upon when I opened this account.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-03-02 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company is violating my rights they have not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation