vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I have tried multiple times to speak with a representative in the loss mitigation department at Freedom Mortgage. I am " transferred '' to the department but am never sent to an agent. The page on their website that is supposed to send you to a form or more information says " we are experiencing technical difficulties. please call ... '' It is impossible to speak with anyone regarding my problem. Our loan was sold to this company less than a month after purchasing our home two years ago. From the reviews I have now seen online, it's a nightmare company. I am now understanding why.

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: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
I was sold debt settlement services from a representative of this company was told the fees are included which was a service fee of XXXX. After I cancelled the service due to my accounts being charged off which was not the issue before I joined this service was dropping my credit lower than when I started. The agreement was for them to settle my accounts negotiating a lower amount to be paid. When I cancelled I was then told that I owed XXXX in settlement fees. I was not aware of these fees. I was falsely enrolled into this program under false pretenses.

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: TrueAccord Corp.
State: OH

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: 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: GA

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

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 non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I wanted to look at my billing statements to ensure they are applying my payments ( last 2 months any payment that didn't satisfy interest is supposed to go to my promo purchases when it comes close to expiration ). None of my statements are available. I am aware the current will take a few days to show but I am not allowed to view any other. I'm on paperless billing and it's violating my rights to obtain the documentation based off esign act/ consent for paperless. I explained I would like these documents and they are refusing to send it to my email as it's not secure ( even when I asked to react XXXX, they are refusing to provide me with my statements. I don't think they are applying my payments correctly based off the last 2 months going to promo purchases and want to ensure they reapply correctly or get an understanding of why it didn't apply correctly.

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
Balance details 0 % paid off Balance {$1300.00} Balance updated XX/XX/XXXX JEFFERSON CAPITAL SYST Original creditor : XXXX Original balance {$1300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1300.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX

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: I.C. System, Inc.
State: NY

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
bank of america denied claim to unauthorized charges on my checking account, provided them with police report as well and have denied claim 3 times. They were unauthorized charges and bank of america keeps denying claim.

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: GA

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 2026-03-10 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: LA

Complaint narrative:
I am disputing a debt being reported and collected by XXXX XXXX XXXX. I do not recognize this account and have not been provided proper validation of the debt. I previously disputed the account with the credit bureau, but the company verified the account without providing documentation proving the debt belongs to me. Under the Fair Debt Collection Practices Act, I am requesting proper validation of the alleged debt including the original creditor, the signed agreement, the complete payment history, and proof that XXXX XXXX XXXX has the legal right to collect this account. If the debt can not be validated, the account should be removed from my credit report and collection activity should cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/year> i saw 4 XXXX transactions between XXXX est. notified chime of the fraud and changed my card number. i get another transaction declined for XXXX XXXX despite the card being changed at this point. i get another transaction declined for XXXX XXXX in the amount of XXXXXXXX XXXX for XXXX XXXX for {$150.00}. these are all clear evidence that my card is attempting to be used when i did not give authorization for this any of these. i call chime and they do a stop payment on XXXX and XXXX, i asked them to block the merchants. i dispute the transactions once they post to my acct and i submitted the highest amount XXXX yesterday. it gets declined today they can not tell me why despite XXXX confirming i did not make the charges. sent them proof i did not make these charges and the full refund needs to be put back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX. I am filing this complaint regarding two Bank of America credit card accounts that were added to my credit report as an authorized user without my knowledge or permission. I never authorized being added to these accounts and I have no financial responsibility for them. The accounts are reporting high balances and are damaging my credit utilization and credit score. The accounts are approximately : Bank of America balance {$8100.00} / {$8100.00} limit open on XX/XX/XXXX last report XXXX Bank of America balance {$4800.00} / {$4900.00} limit open XX/XX/XXXX last report dateXXXX I have already contacted law enforcement regarding identity theft and unauthorized use of my information. Under the Fair Credit Reporting Act, I request : Immediate removal of my name as an authorized user Deletion of these accounts from my credit reports Written confirmation once the accounts are removed. These accounts were not authorized by me and must be removed immediately. XXXX XXXX XXXX

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I switched from XXXX to XXXX XXXX XXXX after being offered a promotion stating that XXXX XXXX XXXX would reimburse the remaining balance on my previous carrier device through a prepaid reward card. I relied on this promotion when deciding to switch carriers. After switching to XXXX XXXX XXXX and completing the activation process, I did not receive the promised prepaid reimbursement card. Because the reimbursement was never issued, my remaining XXXX balance of approximately {$940.00} was left unpaid. XXXX has now sent this balance to a debt collection agency ( Transworld Systems Inc. ), and I received a collection notice dated XX/XX/year>. This situation occurred because XXXX XXXX XXXX did not provide the prepaid reimbursement that was promised as part of the switch promotion. I would not have switched carriers if the promotion had not been offered. I have attempted to obtain information about the status of the reimbursement but have not received a resolution. I am requesting that XXXX XXXX XXXX honor the promotion by issuing the promised reimbursement and resolve the collection account caused by the failure to provide the prepaid reward card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
They have sent repeated texts to my partner- we are not married and I didn't give them permission to contact him about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am a new home owner and I use to pay {$2300.00} since XXXX and I have XXXX for my home insurance for only {$1500.00} a year but in XX/XX/XXXX my mortgage raised from {$2300.00} to {$2600.00}, so I went to the XXXX XXXX after on month I received a check for {$1100.00} and I deposited that check towards my escrow in XXXX, I contacted the mortgage company, they said they will adjust everything for me but nothing happened, I waited for XXXX again nothing happened, and I called back I talked to XXXX the supervisor and she said there is nothing she can do for me and my mortgage will not go down it will remain the same, when I talk to my taxes people they informed me that my taxes have been raised {$6700.00} cents only in XX/XX/XXXX, and they said in XXXX my taxes was XXXX cents but on XXXX my taxes grew {$590000.00} cents, thats mean only XXXX cents difference, when I called on XX/XX/XXXX I talked to XXXX and she put me on voice recording but I didnt record any messages and it hangup by itself and XXXX was so rude of her, and called back again immediately, ( but before that I had been calling XXXX and also the past XXXX of XXXX ) I finally find XXXX the supervisor, she started giving me false number on the taxes when I tried to correct her, she told me Im talking over her, she will just give me an email and I can send whatever explanation to her, but I told XXXX I want to talk to her, dont want to keep writing in a email just to find something simple, I asked her to give me back the difference if she will not lowing the mortgage but she said again everything is normal nothing needs to be changed, I need your help to review everything for me please and my home insurance even sent me a copy to prove they did not change anything,. I want them to give me back every extra money they took from me and to lower my mortgage payment thank you.

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: National Credit Systems,Inc.
State: TN

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capio Partners, LLC
State: VA

Complaint narrative:
I have received 16 unsolicited text messages I did not consent to receiving from this collector for a medical debt that is out of the statute of limitations for medical collection in the state of which it occurred. The maximum collection debt time frame is 3 years. I have informed both the original debtor and the creditor trying to collect multiple times, and it was illegally sold to the collection company after the time expired

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
I want to know Why it is taking over 3 years for my discharge? i attended XXXX XXXX when they first started their XXXX XXXX program and they failed to work with me on my externships so i could graduate. I filed for borrower defense in 2023 and still havent heard a word i received a discharge letter approval email but when i log onto fed student aid.gov it still show my case as being reviewed.

Company response to consumer: Untimely response
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: CL Holdings LLC
State: OH

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: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Value Recovery Holding, LLC
State: CA

Complaint narrative:
XXXX XXXX is supposedly using mediation settlement group with XXXX XXXX XXXX\nPhone numbers used XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nA loan was supposedly taken out in XXXX XXXX two different locations two different bank accounts listed, they stated it was done online in XXXX and investigation traced it back to my ip address at an address that I had not lived in until XXXX 6 years later. \n\nThey provided several different numbers to contact XXXX XXXX and none were for XXXX XXXX XXXXXXXX \nNone were for XXXX XXXXI asked for the account # that was provided to them from XXXX XXXX XXXX I was told different account numbers XXXXI asked them provide name of collection agency they refused I asked them to remail notice of debt of they said they did not need to. I was off 3 different prices to pay $XXXX XXXX after I repeatedly stated this seems like a scam she told me it seems like someone may have stole your identity but stated that even if I could prove it was fraud I was still responsible for the debt she offered no information about trying to resolve and wanted me to make a payment once I refused to make payment until I had any kind of documentation she became very nasty and rude! \nI have several conversations recorded. XXXX XXXX is a Chief Lead / Account holder. \n\nThis is the 1st time I have ever received any notice about taking any loans my credit report does not even show I have debt in collections for XXXX XXXX or payday loan establishments.\n\nI was repeatedly threatened to be sued and have to pay legal fees over $XXXX I was told there is already a case in court opened but then told that it was going to be a case going to court. It really just doesnt make sense none of the numbers link back to website provided when I asked why none of the numbers provided to reach XXXX XXXX actually were for XXXX XXXX I was hung up on. I called back and it went to vm like a cell phone not a business line.'

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: A-1 Premium Acceptance, Inc.
State: WI

Complaint narrative:
On XX/XX/year>, I requested a loan from King of cash for the amount of {$900.00} placed into my checking account. It stated I would receive funds within 24 hours which in return I did not since then to this date XXXX of XXXX I have called and emailed multiple times to inform them to cancel all agreement since I had not received my money and they refuse to send me a form stating such it states my account is now {$920.00} that I owe and states it will be taken out of my checking account directly this company appears to be a scam and will not return phone calls or email correspondence

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation