vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Complaint : Claiming i owe over XXXX from Ambulatory ride that I did back in 2024. I had insurance at the time. I don't remember that far off but I would not never call ambulance for myself nor go without insurance. Why would they try to collect now? I never received anything from XXXX XXXX. If the hospital says no amount due why would XXXX say that I owe them. So with that being said..... I am filing a complaint regarding a medical debt being reported and collected by XXXX XXXX XXXX that I do not recognize and was never properly notified about. This account is related to a service from XXXX XXXX. I was unaware of any outstanding balance and had active health insurance at the time of service. It appears that either my insurance was not billed or there was an error in processing the claim before the account was sent to collections. I have attempted multiple times to contact the collection agency using the contact information provided, but I have been unable to reach a live representative or receive any response. This has prevented me from requesting proper validation of the debt.Because I was not properly notified, and the collector is unreachable, I am requesting : Full validation of this debt, including original billing details Verification that insurance was billed appropriately Immediate cessation of collection activity until validation is provided Removal of this account from my credit report if it can not be properly validated I am currently working directly with XXXX XXXX to determine whether this account should have been billed to insurance and whether it can be recalled from collections. This situation has caused unnecessary stress, and I am requesting prompt investigation and resolution. I have screenshot of collection added recently this month. I have proof of me trying to contact the collection agency. It says no one is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have XXXX rental properties with mortgages serviced by Freedom Mortgages. Starting in XX/XX/XXXX, I faced multiple issues with a property manager stealing, embezzling, and doing other fraudulent activity. I faced long term vacancies, high maintenance/repair costs, and many other issues. Eventually, I decided to pursue short sales on these properties. That began about XX/XX/XXXX. I had buyers for both properties, but the process with Freedom Mortgage took so long that both buyers eventually walked away. I changed both to deed-in-lieu of foreclosures, but this process is still ongoing. Freedom Mortgage has been extremely difficult to work with. I've had to submit and resubmit applications and supporting documents numerous times. I've sent well over XXXX emails and had over XXXX phone calls with them, often meaning being on hold for well over an hour each time. Now, I'm being told I need an active listing agreement for XXXX property because the last one expired XX/XX/XXXX, back when it was a short sale. It was listed for XX/XX/XXXX months, well past their XX/XX/XXXX day requirement. I'm asking my previous realtor to get me this again, but it's not fair to them because I'm asking them to list it with the understanding that they won't get anything out of a sale. Even if another buyer made an offer, I would just end up having the process with Freedom Mortgage cause them to walk away and I'd be in the same position I am right now. Overall, this process with Freedom Mortgage has been absolutely terrible. I just want to be done with this. It amazes me how I feel like I'm seeking the best interests of a mortgage company more than the actual mortgage company. Often it feels like they are actively pushing me to go straight to foreclosure. And, that's the worst option for both parties. I've been doing this for close to XX/XX/XXXX months now and my credit score just keeps declining as a result. I just want this to be finished already.

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 2026-04-11 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent credit reporting by Portfolio Recovery Associates , LLC concerning an alleged collection account currently reporting a balance of {$240.00}. This account is not being reported consistently across all three major consumer reporting agencies, yet remains active and marked as Placed for Collection. The failure to report consistently while maintaining active derogatory reporting raises serious concerns regarding the accuracy and integrity of the information being furnished. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers are required to report information that is complete and accurate. Inconsistent reporting between consumer reporting agencies strongly suggests that the data being furnished is unreliable, incomplete, or improperly maintained. Additionally, if this account is being furnished to one or two credit bureaus but withheld from others, it demonstrates selective reporting practices that XXXX misrepresent the true status of the account and negatively impact my consumer profile. I formally dispute the accuracy, completeness, and compliance of this account and demand that Portfolio Recovery Associates , LLC : 1.Conduct a reasonable investigation into the accuracy of this account. 2.Provide full documentation validating the debt, including : Original creditor documentation Chain of assignment or transfer of ownership Proof of contractual obligation 3.Immediately delete this account from all consumer reporting agencies if full verification can not be provided. 4.Correct any inconsistent reporting across all consumer reporting agencies. Failure to comply with federal reporting requirements may constitute willful noncompliance under the Fair Credit Reporting Act, exposing the furnisher to liability for damages under 15 U.S.C. 1681n and 1681o. I request that the Consumer Financial Protection Bureau review this matter and require the furnisher to demonstrate full legal compliance or permanently delete this account. Consumer requests investigation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
Statement of Credit Denial, Termination or Change Date : XX/XX/year> Applicant 's Name : XXXX XXXX Applicant 's Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Description of Account, Transaction, Credit : XXXX Description of Action Taken : Denial Part XXXX - Principal Reason ( XXXX ) for Credit Denial, Termination, or Other Action Taken Concerning Credit This section must be completed in all instances. No Business Area Income insufficient for amount of credit requested Bankruptcy Garnishment or attachment Collection action or judgment Limited credit experience Unable to verify residence Unable to verify income Excessive obligations in relation to income Unable to verify employment Temporary or irregular employment Unable to verify credit references Credit application incomplete Duplicate application Other - Express withdrawal by applicant Other - Could not verify customer identity Other -Unable to grant credit in terms

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I am filing a complaint against Midland Credit Management , Inc. for violating the Fair Debt Collection Practices Act ( FDCPA ) venue requirements and for misrepresenting facts to the court in connection with collection of a XXXXXXXX XXXX XXXX debt. In researching Midland and its law firms, I learned they have been sued multiple times in private and class actions, and have been the subject of enforcement actions, for similar debtcollection conduct. Based on this pattern, I ask the CFPB not only to address my individual case but also to consider appropriate supervisory or enforcement action, including civil penalties and corrective measures, to deter Midland from continuing to file cases in improper venues and misrepresenting facts to courts. In XXXX, Midland sued me in XXXX XXXX, Wisconsin even though I lived in XXXX, XXXX XXXX, Wisconsin at the time ( case no. [ XXXX ] ). The summons and complaint were mailed to an incorrect address, and I never received them. A default judgment was entered against me in XX/XX/XXXX. After I found out about the judgment and challenged it, the court vacated the default and dismissed the case in XX/XX/XXXX because Midland had filed in the wrong county and used an incorrect address for me. In XXXX, Midland sued me again on the same XXXX account in XXXX XXXX ( case no. XXXX ). In that case, Midlands attorney represented to the judge that billing statements and other documents had been mailed to me and that I had received them. The only statement they produced shows a mailing address in XXXX XXXX that is not my correct address and that Midland already knew was unreliable because the prior XXXX XXXX case was vacated and dismissed. I did not receive those billing statements or other documents at that address. I believe Midland violated 15 U.S.C. 1692i by filing the first lawsuit in a county where I did not reside and then continuing collection activity on the same account, and violated 15 U.S.C. 1692e by misrepresenting to the court that I had been mailed and had received billing statements at an address they knew was incorrect. As a result, I had a wrongful default judgment entered against me, had to spend time and money to vacate it, and am now defending a second lawsuit. I am asking the CFPB to : ( 1 ) review Midlands venue practices and use of incorrect addresses in Wisconsin ; ( 2 ) require Midland to stop misrepresenting that documents were mailed to and received at addresses they know are wrong; and ( 3 ) ensure that Midland provides appropriate relief and correction in my case. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a business banking account with Bank of America, and sent a XXXX transfer. The recipients never received the money, the money was removed from my account, and Bank of America never alerted me of this. I only found out due to the recipients notifying me that they had not received the money. I have called on XXXX separate occasions and Bank of America says they are sorry but they do not have any information on why the transaction was flagged, or if an when I will get my money back.

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 2026-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
Ability Recovery Services, Pursuant To FDCPA 15 U.S. CXXXXe XXXX, I XXXX XXXX XXXX, never gave you written permission to buy my debt from XXXX XXXX XXXX XXXX, i request you immediatly remove the negative items on my XXXX credit bureau. This means stop attacking my credit at XXXX an XXXX, the hospital charged off my bills and reciecved credit for them from the irs therfore i have requested a XXXXXXXX XXXX from the irs to prove they are trying to get paid XXXX. all your actions are being recorded for future use.

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 2026-04-11 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: NJ

Complaint narrative:
I was contacted via text message by a phone number I did not recognize. After some conversation, they revealed themselves with a name that I recognized from my past. We chatted back and forth and it felt like I was talking to the real person I knew. He learned of my financial troubles and offered to help with my CapitalOne credit card bill. I made a poor judgment call and agreed, but only if I didnt have to give him any of my account information. Instead, he gave me his bank information so I could make the payment with his information, without him having access to my username or password. This convinced me it would be safe. Once I attempted the payment, I was contacted by the bank to verify the owner of the external account, but the person I was texting with completely disappeared. I believed I was a victim of an SMS scam and immediately reported the payment as suspicious and asked that it be cancelled. Unfortunately, CapitalOne has kept the account restricted instead of investigating fraud, since I was the person who physically put in the payment information that I was given. I provided this persons phone number and repeatedly explained that I would not be able to verify the payment, which is why I am trying to have this treated as attempted fraud. So now I have a completely restricted account ( but I can still make payments on the bill ) and a devastating feeling of embarrassment for being tricked into this situation. Every time I try to call the number that scammed me, it goes straight to voicemail. And I now believe the texts may have been AI-generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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 filing this complaint against Jefferson Capital LLC regarding a collection account appearing on my credit report with an open balance of {$14000.00}, last reported XX/XX/XXXX. This account is listed as a collection account opened XX/XX/XXXX. Jefferson Capital LLC is listed as both the collector and the original creditor, which raises serious concerns about the accuracy and validity of this debt. I am disputing this account because : 1. The original creditor information is unclear Jefferson Capital LL is listed as both the collector and the original creditor, making it impossible to verify the origin or legitimacy of this debt. 2. I have not received adequate documentation verifying that this debt is valid, that the a mount is accurate, or that Jefferson Capital has the legal right to collect it. 3. This account is negatively impacting my credit report and financial standing. I am requesting that the CFPB investigate this matter and require Jefferson Capital LLC to : - Provide complete documentation of the original debt, including the original creditor, account number, and itemized balance - Verify their legal right to collect this debt - Remove this account from my credit report if they can not substantiate the debt I have not been provided with a proper validation notice or supporting documentation for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent credit reporting by TrueAccord Corporation, concerning an alleged collection account currently reporting a balance of {$510.00}. This account is not being reported consistently across all three major consumer reporting agencies, yet remains active and marked as Placed for Collection. The failure to report consistently while maintaining active derogatory reporting raises serious concerns regarding the accuracy and integrity of the information being furnished. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers are required to report information that is complete and accurate. Inconsistent reporting between consumer reporting agencies strongly suggests that the data being furnished is unreliable, incomplete, or improperly maintained. Additionally, if this account is being furnished to one or two credit bureaus but withheld from others, it demonstrates selective reporting practices that may misrepresent the true status of the account and negatively impact my consumer profile. I formally dispute the accuracy, completeness, and compliance of this account and demand that TrueAccord Corporation : 1.Conduct a reasonable investigation into the accuracy of this account. 2.Provide full documentation validating the debt, including : Original creditor documentation Chain of assignment or transfer of ownership Proof of contractual obligation 3.Immediately delete this account from all consumer reporting agencies if full verification can not be provided. 4.Correct any inconsistent reporting across all consumer reporting agencies. Failure to comply with federal reporting requirements may constitute willful noncompliance under the Fair Credit Reporting Act, exposing the furnisher to liability for damages under 15 U.S.C. 1681n and 1681o. I request that the Consumer Financial Protection Bureau review this matter and require the furnisher to demonstrate full legal compliance or permanently delete this account. Consumer requests investigation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> chime sent email saying they were putting my acct on hold because they weren't able to verify my identity. I have had this acct for several years now. I get dd from XXXX there every month. This year I recieved my income tax refund to it and about a week later my acct was froze with all my money and they returned the XX/XX/XXXX fromXX/XX/XXXX. In the email they sent about that it said that it was because names had to be the same, and of course they are. Called a few days ago yo get it straightened out and was disconnected from call for some reason. XXXX why. Today I called back and verified my ID XX/XX/XXXX and was told I wasn't doing something right because it wasn't approved XXXX different times. He didn't know why for sure because it's an automatic process he said. I asked repeatedly to speak with supervisor or mgr. He would not let me XXXX then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
OnePay Credit did not send me a bill then charged me a late fees. I paid for what I purchased and closed the credit. They continued to charge me fees andtook out an unauthorized payment of {$64.00} for more late fees. They have continued over XXXX months or more, in charging me late fees upon late fees until balance is {$220.00}!!! I only spent {$73.00} and some cents originally and paid it off back in XX/XX/year>2025 I believe. They continue to harass me, even though I have contacted them by email by mail and by phone.

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 2026-04-11 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: FL

Complaint narrative:
The company LVNV funding fraudulently changed the borrow date in an attempt to re-age the debt on my credit report. This debt has been on my report over 7 years ago and recently they changed the date the debt began to XXXX. I called and spoke to someone at the company and request the original documents from the creditor to view the amount of the debt and most importantly, when this debt was added to my account and I never received a response. I informed this debt collector that it is extremely illegal to change original information on a debt such as the time the debt started. If this is not taken off my credit report, I will be getting a lawyer to settle this and sue for much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: TX

Complaint narrative:
I have already disputed the account. Asked for proper documentation for accuracy and filed with the ftc for identity theft. I had no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
I received a debt XXXX this year from a debt collection that I owned over {$1000.00} due to not paying my plan. However, I have been paying my prepaid plan for over 3 years with XXXX & Im not sure why until now theyre charging me. Ive also reached out to XXXX & have no record of owning past bill

Company response to consumer: Closed with explanation