vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: FL

Complaint narrative:
Debt collector using an unauthorized email ; emailed collection letter does not conform to federal or state law. Refers to a prior communication, but not when or how delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Charging overdraft fees when opted into overdraft protection services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

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 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
As a consumer I've requested all of the following and got nothing debt validation 100 % accuracy of the debt as well XXXX  XXXX XXXX Acct # XXXX Balance 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 2026-02-17 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 writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I am filing this complaint regarding MOHELAs mishandling of my federal student loans, specifically related to the borrower defense discharge for loans associated with XXXX XXXX  ( now known as XXXX XXXX XXXX XXXXXXXX XXXX ). 

My account currently reflects a total balance of approximately {$64000.00}. Several loans connected to XXXX XXXX XXXX  XXXX XXXX show negative balances ( approximately {$350.00} and {$1300.00} ) and all my XXXX loans should be discharged or show negative balances. These negative balances indicate that adjustments or discharge credits have been applied ; however, MOHELA has not provided clear written confirmation of whether the discharge has been fully processed, whether the negative balances are pending Treasury refund, or when refunds will be issued. 

In addition, some consolidated loans and other related loans remain active with positive balances, and it is unclear whether the borrower defense discharge has been properly applied across all eligible loans, including consolidated loans that may contain XXXX debt. 

My loans are currently in administrative forbearance. I have attempted to obtain clear information from MOHELA regarding : Whether my XXXX-related loans have been fully discharged Whether the negative balances are approved for refund and when they will be issued Whether the discharge has been properly applied to consolidated loans What my correct repayment amount will be once repayment resumes MOHELA has not provided clear, consistent, or complete written responses to these questions. 

This issue is time-sensitive because I am preparing to apply for a mortgage, and inaccurate balances or unresolved discharge adjustments could negatively affect my debt-to-income ratio and loan approval process.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 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: LA

Complaint narrative:
here 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 non-monetary relief
Consumer complaint received 2026-02-17 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: Experian Information Solutions Inc.
State: MN

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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc.
State: CT

Complaint narrative:
MoneyLion offers potential customers a cash bonus for completing certain tasks, e.g. signing up and initiating direct deposit with a referral. This amount changes, so unless you can get information directly from the company or have an active account, you can not confirm the amount of cash bonus you received for the purposes of reporting taxes. 

Their current promotion is described here https : //www.moneylion.com/referrals-terms-and-conditions/. 

In summary, MONEYLION REQUIRES YOU TO REACTIVATE YOUR ACCOUNT ON THEIR PREDATORY PAYDAY LENDING PLATFORM IN EXCHANGE FOR RECEIVING INFORMATION NECESSARY TO FILE TAXES. 

On XX/XX/XXXX, I met the requirements for receiving the bonus. 
On XX/XX/XXXX, I closed my MoneyLion account. 
On XX/XX/XXXX, I attempted to log into my closed account to retrieve historical statements for tax purposes. 
On XX/XX/XXXX, the system notified me that I could only see these statements if I reactivated my account. MoneyLion is a known predatory payday lender who settled with CFPB previously ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-moneylion-for-overcharging-servicemembers-trapping-consumers-in-costly-memberships/ ) so it is dangerous to consumers to have an active account and, I believe, illegal to hold a prior customer 's historical statement information hostage to encourage account reactivation. 
On XX/XX/XXXX, I notified the company that I would need my XXXX balance information, preferably in the form of a 1099-INT, so I could complete my taxes. 
On XX/XX/XXXX, the company told me I had to reactivate my account : " As I checked the account, the 1099-INT form needs to be checked through the MoneyLion application if it's available already, so you have to have the application to check into it. '' On XX/XX/XXXX, I reiterated my request to receive balance information over email without reactivating my account so I could know how much income to report for taxes. 
From XX/XX/XXXX to XX/XX/XXXX, the company occasionally sent me mail claiming they were " looking into it '' but not doing anything further. 
On XX/XX/XXXX, I demanded that I receive statement information within XXXX hours or would submit a CFPB complaint. 
On XX/XX/XXXX, the support person again misunderstood my request and again failed to provide the requested information.

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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
Took my vehicle XX/XX/XXXX when Vehicle was Repossessed Despite Payment Later Confirmed Received. They took my vehicle before locating payment they confirmed in previous complaint that they did receive my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I had {$140.00} on my now card They said after 60 days my savings account would charge off They NEVER put this in writing or notified that after 30 days that they could pull funds from other accounts.

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 2026-02-17 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: LA

Complaint narrative:
here 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 non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
I am writing XXXX  formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ), I request that your office provide complete XXXX  verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name XXXX  address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, XXXX  any other charges, A complete payment history, XXXX  Proof that I am legally obligated XXXX  pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required XXXX  suspend all collection activity XXXX  refrain from reporting this account XXXX  any credit reporting agencies, as mandated by law. This request is made XXXX  ensure that the information you are reporting is accurate, lawful, XXXX  not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I did not have any payments due in XXXX until XXXX of XXXX due XXXX  a large payment i made in XXXX. My monthly payment is {$450.00} So I made some additional payments in XXXX. 
My XXXX  payment was on XX/XX/XXXX of {$860.00} which should have been applied fully XXXX  principle since no payment was due. What Ally auto did ( www.ally.com ) was take my {$860.00} payment XXXX  only apply {$430.00} XXXX  the principle while deducting a {$420.00} finance charge. 

Then again I made a payment on XX/XX/XXXX of {$450.00} XXXX  this time they applied the entire payment XXXX  finance charges while applying {$0.00} XXXX  principle. 

Then I made another payment on XX/XX/XXXX of {$450.00} XXXX  this time they applied a {$210.00} XXXX  principle while applying the remaining {$230.00} XXXX  finance charges. 

These are very deceptive practices as it is impossible XXXX  pay off the loan earlier or make extra payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing XXXX  file a formal complaint against JPMCB Card Services regarding their misconduct in connection with a credit card account XXXX  for fraud XXXX  violating my rights under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), the XXXX  XXXX XXXX  XXXX, XXXX  the XXXX XXXX XXXX XXXX  XXXX. I am requesting an investigation. This account is traded via the security exchange. I request the CFPBs immediate intervention XXXX  enforcement action XXXX  ensure compliance with XXXX  statutory XXXX  constitutional obligations. I submitted Qualified Written Requests ( QWRs ) XXXX  request my full servicing file XXXX  XXXX  verify all claims. Multiple attempts were made XXXX  validate this account XXXX  billing errors. Account was included in a Bankruptcy filing on XX/XX/XXXX, XXXX  was later charged off. Charge offs are considered income under the IRS publication. XXXX can not be reported XXXX  is considered a certificate of indebtedness. This is income XXXX  be filed on my tax report. These accounts were never credited with the certificate of indebtedness. Per the XXXX, I am supposed to receive this because it is income. The company did not credit my accounts with the dividend payments that they made off my Treasury coupons. The dividend coupons received through the treasury for securitization need XXXX  be returned deposited into my account. These are open-ended accounts XXXX  XXXX requesting all XXXXs that were provided -- past, current, XXXX  future certificates of indebtedness while under this agreement or account. Accounts are also being reported as past due XXXX  re-aging every month restarting a Date of XXXX  Delinquency, which is a violation of the FCRA and XXXX rules. Company claims they can not verify the account, but it is reporting incorrectly on file. Account number Ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I'm asking a company that if this is a rental debt I want the copy of the judgment from the XXXX  that says I owe this I want every XXXX of this debt XXXX be accounted for XXXX  me XXXX  receive a copy of it if not I will continue filing complaints I will continue disputing this debt it said retreat at XXXX XXXX that's apartment complex where is the judgment from the XXXX  that said I owe anything where

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan has called my cell phone, my XXXX 's cell phone, and my XXXX  's cell phone daily, back-to-back, XXXX  left voicemails. On XX/XX/XXXX, I submitted a request through their online portal that all telephone communication for our account cease immediately, XXXX  communication only be in writing. I stated that all further telephone communication beyond that date would be reported as harassment. There have been XXXX phone calls with voicemails since then on the dates of XX/XX/year>, XX/XX/year>, XXXX  XX/XX/year>.

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 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because there are collection accounts on my credit report that do not belong XXXX  me. I check my credit regularly, XXXX  these accounts showed up without my knowledge or permission. I never authorized this, XXXX  I am extremely frustrated that this inaccurate information is being reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I sent a certified letter on XX/XX/2026 Tracking Number : XXXX Delivery Date : XX/XX/2026. I have yet XXXX   receive the chain of custody proving that the debt buyer as legal right XXXX  collect on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
The number that you provided is not my telephone number that is the wrong number that is not my telephone number so you didn't legally contact me because that's not my number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a claim for unauthorized use at a club in XXXX for accumulated charges totaling {$1700.00}. I informed the bank that I did authorize XXXX of the transactions, but the others were not authorized by me. 

After that day, a man was detained who was the XXXX  using the cards improperly. I also explained XXXX  the bank that the card machine used at the club does not require a XXXX  XXXX  process transactions. 

The bank decided not XXXX  proceed with my claim. They did not even contact the establishment, request any information, or conduct any type of investigation. They simply told me that because the card was inserted, they could not resolve the claim in my favor. 

They did not look for solutions or explore the situation further they just gave me a definitive no.

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 2026-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: OFG BANCORP
State: PR

Complaint narrative:
i talk to phone company XX/XX/XXXXand they did not know about this. i have a account but is internet provider not this. and XX/XX/XXXX is the same. Im a veteran and my id stolen so please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: DE

Complaint narrative:
Harassing calls and debt that has never been mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation