vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am writing regarding one or more accounts that JEFFERSON CAPITAL SYSTEMS is reporting on my consumer credit file. After reviewing my credit report, I dispute the accuracy and validity of these accounts and formally request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and all applicable state laws. 

Please be advised that this letter constitutes a formal dispute and a request for competent evidence that I have a legal obligation to the alleged debt. 

Specifically, I am requesting the following : 1. Competent evidence that I authorized the alleged account, including : A copy of a contract, application, or agreement bearing my original wet-ink signature, OR Verifiable electronic evidence demonstrating authorization, including the IP address, timestamp, and method of submission associated with the original application.

2. Documentation showing that JEFFERSON CAPITAL SYSTEMS has the legal right to collect and report this debt, including : Proof of ownership or assignment of the alleged account A complete chain of custody if the debt was sold or transferred 3. Verification that the information being reported is accurate, complete, and verifiable, as required under the FCRA. 

If you are unable to provide the above documentation, you are required under federal law to cease collection activity and permanently delete this account from all consumer reporting agencies to which it has been furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to XXXX  regarding the accuracy of a loan account reported on my credit report. I provided documentation showing material inaccuracies, including : - Payments I had made were applied entirely to interest, not principal, even when the account was current. 
- Contradictory entries in the amortization schedule where a failed payment both reduced and then restored the principal balance. 
- The total amount reported as owed did not match the payments I had made. 

XXXX  responded with a generic email restating the original balance and loan terms, but did not conduct a proper investigation or correct the amount, nor did they respond substantively within 30 days as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). 

Despite my dispute, the account was reported as 90 days past due to the credit bureau in XX/XX/year>. I have attempted to resolve this directly with XXXX including offering a settlement contingent on deletion of the account from credit reports. but they have not provided a timely or adequate resolution. 

I am seeking deletion of this account from my credit report because the balance and payment history are inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Good afternoon all, I am reaching out because I am having a major issue with the XXXXXXXX XXXX XXXXXXXX Department that refuses to reissue my check. 

I had a direct deposit from my employment with the XXXX XXXX  sent to my Bank of America account that was in closing process so the funds hit the account and the negative balance was taken care of, up until that point no issues. They then sent me a check on XX/XX/XXXX or XXXXXXXX XXXX  and I have yet to receive this check in the mail, I understand that the holidays caused delays but today is now 22 business days. I have contacted them many times and they said they will not reissue the check unless it is returned to them or until it expires in XXXX and that it is a strict policy. My issue with that is that the funds were for my payroll and hard work and now I am being punished because their department sent it and it was lost or destroyed by USPS or whatever or I have to wait until XXXX for it to expire??? 

This is ridiculous, they said they have no tracking for anything less than {$10000.00}. They are extremely rude on the phone and say they will absolutely not reissue the check and they will not put a stop payment on it either, this is absurd. I DEMAND my money, whether it was lost or destroyed or whatever is not my fault, I need my money, I have kids. If needed I will fill out and affidavit or Indemnity form or whatever but I need this check to have a stop payment put on it and I need it reissued to me. I have never had such an issue with a bank where they flat out refuse to help me so I can receive my hard earned money and that I just have to wait. I have kids and live paycheck to paycheck, PLEASE RESOLVE THIS and tell your agents in that department that they need to learn respect, manners and Customer service because they are extremely rude. 


I expect this to be resolved by the end of this week or else I am going to get my attorney involved and file a formal complaint against the bank with the Consumer Financial Protection Bureau ( CFPB ) and with Office of the Comptroller of the Currency. 

SINCERELY, 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 monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I get my money from my job direct deposited. Whenever I try to make a large payment whether it be my rent or to get a rental vehicle they declined my card for unknown reasons. I called multiple times to ask them why my card is being declined and if I can verify the purchases and they tell me absolutely nothing. This is the third time that this has happened and I have no access to my money. Because this account is direct deposit, it is going to take at least one billing cycle for the money to not go back into this account. Until then I still can't access my money and I was able to access my money not three days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I discovered a collection account reported by Pro Collect in the amount of {$330.00} on my credit report, allegedly owed to XXXX XXXX XXXX XXXX in XXXX, TX. I immediately contacted the apartment complex, and they confirmed that they have no record of any outstanding balance or debt owed by me. They further advised that the account appeared to be fraudulent and instructed me to file a police report. 

Based on this information, I filed a police report for identity theft. Police Report Number : XXXX. 

I then contacted Pro Collect and formally requested validation of the alleged debt. In response, Pro Collect provided a copy of an online application that does not belong to me and does not substantiate that I incurred or authorized this debt. The documentation provided does not meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

This account is not mine and is the result of fraud or identity theft. Despite confirmation from the original creditor and the existence of a police report, Pro Collect continues to report this inaccurate information, causing harm to my credit profile. I am requesting the immediate deletion of this account from all credit reporting agencies and written confirmation that this matter has been resolved.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
A credit card was open in my name but as always the birthday is wrong which Ive provided proof which included my social, idand birth certificatesNobody is acknowledging theyre just allowing things to slip by just because someone know a person social.Here i am left to figure out what is what., The same proof i sent you all before you have done nothing about it either and thats not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
In my CFPB response dated XX/XX/2026, Aldous & Associates asserted that proof of the debt was mailed to my address. This statement is false or unsupported. I have received no validation, no documentation, and no evidence of mailing.

Despite receiving multiple written disputes sent via certified mail, Aldous & Associates has failed to provide lawful validation as required under 15 U.S.C. 1692g ( b ). They have also failed to demonstrate that a reasonable investigation was conducted under 15 U.S.C. 1681s-2 ( b ), while continuing to furnish information to consumer reporting agencies.

To date, Aldous & Associates has not produced : - Proof of mailing of any alleged validation - Documentary evidence establishing the debt - Evidence of authority to collect or report - Documentation reviewed during any investigation Continued credit reporting after unresolved disputes constitutes ongoing collection activity and unlawful data furnishing. 

This notice is issued to preserve the record. I am not refusing payment ; however, no obligation can be enforced, collected, or reported absent statutory compliance. The violations have already occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
Currently making two different monthly payments to Mohela. One is {$150.00} and another of {$13.00}, second payment which i recently had to decrease from {$120.00} due to me being unable to make both of these payments monthly. In the email, it is also mentioned to view my document but when i try to log in and/or search my account, their webpage states that theres no record of a borrower with the information entered.I have tried calling to get assistance and not only have i been on hold for XXXX hours but then line gets disconnected randomly and i get no answers!

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
ACCOUNT NUMBER XXXX XXXX XXXX XXXX  I am the borrower on this Ford Motor Credit XXXX  loan. I am attempting to cure default and prevent repossession of my vehicle before it is picked up. 

Over multiple calls for the past couples of months. I was placed on hold for hours, disconnected multiple times, and ultimately refused basic account information. Even while I was on the phone and expressly gave verbal authorization for my mother, XXXX, to participate, Ford Motor Credit representatives refused to provide the arrears amount, full payoff amount, or any clear instructions on how to resolve the account. Most notably, on XXXX and XXXX I felt that I should stay on the phone and wait until I got an answer. I have been on for over XXXX hours right now and the woman, XXXX, put us on hold and will not come back to the phone after refusing to tell us how to resolve. 

On multiple occasions, representatives placed us on hold and then disconnected the call without resolution. As of today, Ford Motor Credit has effectively prevented me from obtaining the information necessary to pay the account and stop repossession. 

I am requesting : Immediate written disclosure of the arrears amount.

Immediate written disclosure of the full payoff amount.

Clear instructions on how to submit payment to cure default and/or redeem the vehicle.

Confirmation that repossession will not proceed while this information is being withheld.

I am documenting that Ford Motor Credits refusal to provide payoff information has directly interfered with my ability to resolve this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: AL

Complaint narrative:
It has been extremely frustrating and distressing to discover a collection account reported under my name for a debt I do not recognize, did not authorize, and can not be verified as mine. I have been subjected to repeated collection attempts through multiple communication channels, including aggressive tactics and threats of legal action. As a law-abiding consumer, this conduct is insulting and represents a clear violation of my rights. The continued reporting and harassment related to this unverified debt has taken a serious toll on my XXXX  well-being and has caused ongoing stress and sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
My funds was taken by Simmons Bank employees. On XX/XX/XXXX I deposited a depository institution check at Simmons Bank check XXXXThe agent of my depository institution is XXXX from XXXX XXXXThe check program is check XXXX. Federal Reserve backing.The check was paid but I never got paid. I was in a home purchase contract with a realtor company when all of this mass came about. Simmons Bank delivery stop my funds from being released and was trying to take my funds by discrediting the payment when I discovered what Simmons bank was doing I reached out to the Simmons Bank headquarters online and they sent me a proof of payment substitute Check. On XX/XX/XXXX I went to Simmons Bank to deposit the substitute check and got the run around. Simmons Bank cashed the substitute check but refused to release the cash. The amount of the check is {$370000.00} to purchase a home. This is some of my investments funds from my currency accounts. 
I need help recovering my cash from the depository institution checks.Check XXXX program is backed by Federal Reserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XX/XX/year> : I applied for a personal loan in the amount of {$85000.00}. I completed the entire application. A hard credit pull is performed. 

XX/XX/XXXX : Company requests employment verification over email. I send them a generated letter from my employer. 

XX/XX/XXXX : Company emails me stating that the verification must come from my employer directly. I reply that my employer uses The Work Number by XXXX  and that the letter I sent earlier has my company code. 

XX/XX/XXXX : Company requests my salary key for use with the Work Number. I provide it over email. 

XX/XX/XXXX : I contact the company over chat to inquire about the status of my application. It appears they did not have my salary key and company code in their internal system, so I provide it again. I am assured that the correct internal team will be notified and will get on it. 

XX/XX/XXXX : I am informed that my application was denied for reason " credit application incomplete ''. 

XX/XX/XXXX : I contact the company over phone and am told that they were not able to get to it in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I dispute the Jefferson Capital Systems account in its entirety. This is a time-barred debt that is past the legal reporting period. 

The account is inaccurately reported with a 'Date Opened ' of XX/XX/XXXX. This debt relates to an original obligation with XXXX that first became delinquent in XXXX over seven years ago. The reporting of this debt with a recent 'Date Opened ' constitutes illegal re-aging under the Fair Credit Reporting Act 605 ( c ). 

Furthermore, the 'Status Updated ' date of XX/XX/XXXX and the continued reporting of a past-due balance as of XX/XX/XXXX is inaccurate and misleading, as this debt is past the statute of limitations for reporting. 

Please conduct a full investigation and permanently remove this account from my credit report, as its permissible reporting period has expired

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Wolf River Development Company
State: IA

Complaint narrative:
Received a notice of garnishment from my employer but was never served any notice that I was being sued. Company didn't serve any notice that they were sueing us. They went to court without my knowledge and got a garnishment. I don't even know what state or county they received this judgement from as all I've gotten is a letter from my employers HR. So I will be calling all the possible court districts to find this judgement and inform the clerk of improper notice. I will also be filing to have the order removed since I don't even know what it's for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: IA

Complaint narrative:
on XX/XX/2025 i had gotten XXXXXXXX XXXX sent from XXXX  XXXX XXXX as reedeemed winnings and XXXXXXXX XXXX was misused and sent to my significant other as he had got into my phone and sent himself XXXX XXXX I disputed this transaction with skrill and they told me they cant refund me the money but disabled his account. so they took action on my part by disabling his account which wasnt what was supposed to happen they couldve gotten my money back and made his account negative XXXX  i want my XXXXXXXX XXXX back. The transaction id is : XXXX amount of XXXXXXXX XXXX on XX/XX/2025 sent to XXXX. please i need my funds back asap. my account is XXXX on Skrill.com

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Concord Servicing Corporation
State: MD

Complaint narrative:
Subject : Collection and Credit Reporting on Debt Without Contractual Authority I am filing a follow-up complaint regarding continued collection and credit reporting of a debt that is not owed. 
The original loan originated on XX/XX/XXXX, with a stated term of XXXX  months ( XXXX  years ), which ended in XX/XX/XXXX. No renewal, modification, or extension agreement was ever signed or provided to me. 
After I questioned the absence of documentation supporting an alleged obligation beyond the original loan term, the servicer, XXXX XXXX, issued a charge-off and transferred the account to XXXX  XXXX XXXX Neither Concord Servicing nor XXXX  XXXX has produced any documentation authorizing the loan to remain active beyond its original term. 
Despite this, XXXX  XXXX is attempting to collect and/or report this account as charged off without validating the underlying obligation or providing contractual authority to collect beyond XX/XX/XXXX. 
I am disputing this account because I have not been provided proof that the debt remains valid beyond the original XXXX term, and collection and credit reporting are continuing without such validation. 
I am requesting the following resolution : Full validation of the debt, including the original signed loan agreement and any written modifications or extensions Proof of authority to collect or report this account beyond XX/XX/XXXX Correction or deletion of any inaccurate credit reporting related to this account Cessation of collection activity until the debt is properly validated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
XXXX XXXX continued charging my checking account monthly for approximately 23 years after I canceled my membership. These were unauthorized recurring electronic debits. 

Once discovered, I disputed the charges with U.S. Bank. U.S. Bank investigated and issued a provisional credit of approximately {$1800.00}. I relied on this credit to pay household bills. 

U.S. Bank then reversed the provisional credit, stating the dispute was outside the 60-day Regulation E window. However, these were not valid charges- they were unauthorized recurring debits after cancellation. At the time U.S. Bank issued the provisional credit, the bank was fully aware that the disputed transactions occurred outside the 60-day provisional credit window. Despite this, U.S. Bank determined the charges were unauthorized and issued the credit. I reasonably relied on this determination. The subsequent reversal caused financial harm.

The reversal caused my account to become negative by approximately {$1500.00}. U.S. Bank has refused to place a hardship hold, refused to waive fees, and refused to provide a case number while reopening the investigation. I was repeatedly told no one had authority to help me.

I was promised a callback from the investigation team within 48 hours and was never contacted. I am now facing financial hardship, with a paycheck scheduled to deposit on XX/XX/XXXX. 

I am requesting that U.S. Bank reinstate the credit or otherwise resolve this without causing financial harm, place immediate hardship protections on my account, and waive all fees related to this dispute.

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