vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: PA

Complaint narrative:
I am the guarantor on an apartment lease for my son, XXXX XXXX. Months after he vacated the residence, the landlord claimed damages. I requested itemized copies of the damages with the costs to repair. Landlord refused to provide any proof of repairs ... only that they may need to do something next year. I requested debt validation via certified mail on XX/XX/year> - certified mail XXXX. The collector has failed to provide validation but continues to report this inaccurate debt to my credit file. Furthermore, under PA XXXX XXXX XXXX, the original landlord forfeited this claim by failing to provide an itemized list of damages within 30 days. This collector is now attempting to collect a legally void debt.

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 2026-03-06 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
{$270.00} {$550.00} {$550.00} From a fraudulent charge called XXXX that I tried to cancel a get a refund once I knew they were a scam. Provided Apple Merchant Services with documentation. I have been fighting these charges since XX/XX/year>. They decided to close the dispute due to the following : The disputes were closed due to the following reason : " We've reviewed your dispute and any additional information shared. Following this review, the original decision remains because our records indicate you agreed to the merchant 's terms and conditions at the time of purchase and no refund or credit is due. '' As a customer I understand that this is no the outcome you expected but I'm here to help you as much as I can to win the cases, I can go ahead and reopen them for you right away, let me know if that works for you. But I did not agree to pay the ongoing charges with fraudulent company who then changed their phone number, email address, and ignored all further contact from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MS

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Debt Collector : Johnson Mark LLC XXXX. XXXX XXXX XXXX, Utah XXXX Creditor Represented : XXXX XXXX XXXX Court Case : XXXX XXXX XXXX XXXX XXXX XXXX, Arizona Case No. XXXX Description of the Complaint I am filing a complaint regarding the conduct of Johnson Mark LLC in connection with a debt collection lawsuit filed against me. During the litigation process, Johnson Mark LLC offered a settlement agreement that would resolve the account for {$950.00} payable in installments. I accepted the settlement offer in writing. After accepting the agreement, I contacted Johnson Mark LLC requesting instructions regarding how to make the payments and where payments should be sent. Despite my acceptance and good-faith attempts to comply with the agreement, the law firm never provided payment instructions that would allow me to perform the settlement agreement. Because payment instructions were not provided, I was unable to complete the settlement. Instead of allowing the settlement agreement to proceed, Johnson Mark LLC later obtained a default judgment and initiated wage garnishment against my employer. I believe this conduct is unfair and deceptive because the settlement was offered, accepted, and then ignored while collection continued. Federal Law Implicated The conduct described above may violate the Fair Debt Collection Practices Act ( FDCPA ), including : XXXX U.S.C. XXXX Prohibiting deceptive or misleading representations in connection with the collection of a debt. XXXX U.S.C. XXXX Prohibiting unfair or unconscionable collection practices. Offering a settlement, accepting the agreement, failing to provide the means to perform the agreement, and then proceeding with judgment and wage garnishment appears to constitute unfair collection conduct. Requested Action I respectfully request that the Federal Trade Commission review the practices of Johnson Mark LLC and determine whether their conduct complies with federal consumer protection laws. Supporting Documents Available Settlement offer email from Johnson Mark LLC Written acceptance of the settlement Follow-up communications requesting payment instructions Court documents showing the judgment and garnishment Certification I certify that the information provided in this complaint is true and correct to the best of my knowledge. XXXX XXXX XXXX Date : XX/XX/year> 2026

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 2026-03-06 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a settlement via prepaid card that I had been requesting be resent since XX/XX/XXXX since I never got it and was told it was sent. Finally requested it be sent to another email was received tried to activate and to my surprise it was used. I then contacted my attorney was told contact the card holder I did. They then sent me the info was used in a different state not by me or anyone in my home never traveled to XXXX XXXX California. I sent my dl my bill as proof my address and advised it was stolen. They investigated came back and said someone here used it. And I said thats no way true I want proof they stop responding I am willing make a police report. This was absolutely stolen. I would like this refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJU - 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: TX

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 ) XXXX, 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 nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

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 ) XXXX, 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 XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: CT

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CO

Complaint narrative:
I agreed to a monthly charge of XXXX dollars however out of nowhere they upgraded my account without my permission and charged me XXXX dollars a month. I responded to their email asking to cancel my account and didn't get a response. They are attempting to pull the money from an empty account on top of that and creating fees even though I asked to completely cancel my membership after they upgraded me without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I have submitted at least XXXX requests through the federal loan servicing website for my qualifying payment counts from XX/XX/XXXX THROUGH XX/XX/XXXX to be updated. They are completely missing. I have also spoken with XXXX, who advised that they were submitted to the department of education. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Are the dates that requests were made. I am eligible, and have been for several months, to have my loans forgiven under the Public Service Loans Forgiveness. No one on the phone can provide any assistance whatsoever.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: MS

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 ) XXXX, 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 XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Lvnv funding have attempt multiple times to get a verification letter to validate debt and they will not respond or I get hung up on there is 2 separate. Accounts will jot properly verify either with proper documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TN

Complaint narrative:
This complaint is involving American Education Services. My XXXX was on this student loan with me and upon his death I received a letter in the mail stating that I was eligible to get this loan balance forgiven due to his XXXX. I was asked to send in his XXXX XXXX in XXXX of XXXX. My XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I emailed a copy of the death certificate to the company at XXXX. Months later, the account disappeared off of my credit report. I do not have the exact date. Now, within the past week, this account is showing up as XXXX XXXX on my credit report. I have not received any calls and nothing in the mail from this company or from AES since it fell off of my credit report sometime last year in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Received our escrow analysis and it shows we have a shortage of over {$2800.00} ( this is the XXXX time this has occurred ) since we have been with Freedom. The first time was approximately XXXX year into our loan they informed us that they failed to escrow our homeowners insurance. Someone had entered our homeowners At {$1.00} in error, but it increase our payment dramatically at that time. We later did a streamline refinance and was able to get out from under that, but a few years later we have another shortage, this time is was minimal and explainable due to increase in taxes and/or homeowners insurance. Now here we are again and they are saying our escrow shortage is over {$2800.00} and payment has increased by XXXX XXXXXXXX. But our homeowners has only increased $ XXXX as of our XX/XX/XXXX renewal. We no longer have taxes due to being 100 % XXXX XXXX. This is very frustrating and I really dont understand how this keeps happening. I have requested they recalculate our escrow analysis or spread shortage over a longer period that XXXX months. I also dont understand why XX/XX/XXXX and XX/XX/XXXX show nothing paid in, but I dont understand that.

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Subject : Midland Credit Management Unverified Collection Reporting I am disputing a collection account reported by Midland Credit Management. I previously disputed this account through the credit bureau TransUnion requesting verification of the alleged debt. Midland Credit Management has failed to provide proof of ownership of the account or documentation from the original creditor verifying that the debt belongs to me. Reporting a collection account without proper verification violates the Fair Credit Reporting Act, including FCRA 623 ( a ) ( 3 ) and 611 ( a ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be deleted from the consumers credit file. Because Midland Credit Management has not provided documentation verifying the debt or demonstrating that they have the legal right to collect it, I am requesting that the company provide proper validation of the alleged debt. If the account can not be verified, it must be removed from all credit reporting agencies, including XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
I am a California resident.Ir XXXX, I took out a smal payday loan for approximately {$300.00} from Post Lake Lending ( Loan # XXXX ). This lender is charging a 735.49 % APR, which is illegal under California law. California law ( Financial Code {$23000.00} ) caps payday loans at {$300.00} and limits fees to 15 % ( {$45.00} ). This lender is now demanding {$1700.00} for a {$300.00} loan-down from a previous demand of $ XXXX demonstrating arbitrary and predatory 'cash grab ' tactics. Furthermore, the lender is threatening to contact my employer for wage garnishment without a court judgment. I have explicitly revoked all voluntary wage assignments and ACH authorizations in writing, yet the lender continues to use these illegal threats to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
The mortgage servicer, Fay Servicing, has engaged in a pattern of administrative obstruction, intentional deception regarding communication barriers, and a failure to provide legally mandated status updates.Failure to Provide a Timely Evaluation : On XX/XX/XXXX, a complete loss mitigation application was submitted for the subject property. As of XX/XX/XXXX, the servicer has failed to provide a written approval or denial. This exceeds the XXXX evaluation window required under Regulation X ( 12 CFR 1024.41 ) by approximately XXXX days.Contradiction of Internal Records regarding Communication : The servicer currently claims they can not provide a status update due to a " third-party attorney block. '' However, Fays own records dated XX/XX/XXXX, and XX/XX/XXXX, prove that the servicer has an established history of communicating directly with me as the sole point of contact for the XXXX. Furthermore, on XX/XX/XXXX, I sent a formal email revoking any prior attorney authorization and demanded to be the sole contact. The servicer is knowingly using outdated information to ignore a modification application that has been pending for over 100 days.Violation of Single Point of Contact ( SPOC ) Duties : Under XXXX XXXX XXXX, the servicer is required to provide an informed and helpful XXXX. On XX/XX/XXXX, Fay Servicing officially assigned XXXX XXXX as my Account XXXX, stating she was responsible for " understanding your situation '' and " explaining all available options ''. Despite this, during a call on XX/XX/XXXX, XXXX XXXX was combative, refused to provide the status of the pending application, and weaponized my previous emotional distress to end the call rather than providing the information she is mandated to provide.Repeat Offender Pattern : This behavior mirrors the findings in CFPB Consent Order # XXXX ( XX/XX/XXXX ), where Fay Servicing was penalized for XXXX keeping borrowers in the dark about critical information '' and failing to follow foreclosure relief rules.Impact on Legal Proceedings : The servicer was informed on XX/XX/XXXX, that status updates and payoff figures were required for an active court hearing on XX/XX/XXXX. The continued withholding of this information is obstructing the resolution of the estate 's debt and preventing a potential sale of the property

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spoke with the company regarding the balance that was due and I advised them that the balance is incorrect and that it needs to be fixed. I received no help in trying to get the issue resolved so I had to resort to filing a complaint.

Company response to consumer: Closed with explanation