vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I applied to have the parent plus loan waived due to my chronic illness, XXXX XXXX. I never received an official response but now my parent plus loans can not be found by XXXX. They have no record of my loan anymore but the loans are still on my credit report. I called several times but they cant help because my loans can not be found. I need these removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: InDebted Corporation
State: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX regarding inaccurate and unfair credit reporting practices related to a charge-off account that has already been paid in full.Despite satisfying the alleged debt obligation, XXXX XXXX continues reporting a charge-off on my consumer credit reports, causing ongoing damage to my creditworthiness, reputation, and ability to obtain fair credit opportunities. The continued reporting of this derogatory status after payment is misleading, harmful, and appears inconsistent with the Fair Credit Reporting Act ( FCRA ) requirements for maximum possible accuracy and fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XX/XX/2026 : Requested auto loan payoff amount from Capital One. XX/XX/2026 : A cashier 's check with the full payoff amount of {$32000.00} was mailed to Capital One. According to their policy, Capital One processes checks within one business day and all other checks within XXXX business days. XX/XX/2026 : Received an email from Capital One that my credit report was updated showing the account balance for the auto loan was now XXXX, which implies the payment was received well before the XXXX window expired. XX/XX/2026 : Received an email from Capital One that my payment of {$32000.00} was received on XX/XX/2026 and is " being processed ''. XXXX XXXX : Received an email from Capital One that I still owe {$51.00}. I set up an ACH payment for {$51.00} to take place on XX/XX/2026 and a moment later, the balance jumped to {$52.00}. When I tried to enter a second ACH payment for the remaining XXXX cents, an error message appeared stating that did not meet the minimum amount due. I changed the payment amount to {$2.00} to ensure it fully covered the total due, but then received another message indicating only XXXX ACH payment can be made per day. I updated the date of the ACH payment for {$2.00} to XX/XX/2026 which is still well before the XXXX XXXX due date but now I fear Capital One will attempt to bill me daily interest rate on the open balance! I am disputing the {$52.00} Capital One claims I owe since the account was paid in full within the XXXX window of the payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I am the buyer in a time-sensitive real estate transaction that has been brought to a complete standstill due to severe operational negligence and a total lack of communication from Citizens Bank . We are currently XXXX days past our contractually mandated closing date because Citizens Bank has failed to provide critical payoff/reinstatement details required to clear the title and finalize the transaction. Both my real estate attorney and I have made exhaustive, repeated attempts to resolve this. I have sent multiple emails directly to contacts within the respective departments, and my lawyer has reached out several times to demand the necessary figures. Citizens Bank has remained entirely unresponsive, offering XXXX explanation for the delay or the status of the file. This administrative failure is causing me direct, ongoing economic damages. My purchase funds are completely locked up and sitting idle in an escrow account, and I am incurring daily financial liabilities due to missed contractual milestones. I request that an executive resolution team immediately review this file, provide the missing payoff details to my closing attorney today, and address the financial damages caused by this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RFNA, LP
State: MS

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I formally dispute the accuracy, ownership, and collectability of this alleged debt reported by CAINE & WEINER. The company has failed to provide competent evidence establishing that I am legally obligated for the alleged account. I requested validation of the debt, including : 1. A copy of the original signed agreement creating the obligation. 2. A complete chain of title showing every assignment, transfer, and sale of the account from the original creditor through all subsequent owners. 3. Evidence of legal standing demonstrating Caine & Weiners current right to collect and report this debt. 4. A complete debt itemization, including the original balance, interest, fees, charges, and payment history pursuant to 12 CFR 1006.34 ( c ) ( 2 ). 5. Documentation demonstrating compliance with applicable federal consumer protection laws and proof that any transfer of ownership was properly documented. Despite my requests, Caine & Weiner has not provided sufficient documentation to validate the debt. Reporting an account without adequate verification raises serious concerns regarding the accuracy and completeness of the information being furnished to consumer reporting agencies. If Caine & Weiner can not produce complete and verifiable documentation supporting its claim, I request immediate deletion of the account from all consumer reporting agencies, cessation of collection activity, correction of any inaccurate reporting, and written confirmation of the results of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: IL

Complaint narrative:
On or around XX/XX/year> I tried getting cellular and internet with XXXX XXXX. I ordered these products over the phone with a customer representative. I never received the products on the day it said it was supposed to be delivered. I reached out to them to let them know, they reassured me they would cancel that order and resend phone and WiFi box but instead they refunded me my money. I never recieved the products therefore I should not be charged for services I never got. I instead went with another company which was way cheaper than XXXX was offering. I explained this to them thurly and even sent screenshots of them refunding my money. Im constantly being harassed for a bill that I am not responsible for because I never even recieved what I ordered

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
On XX/XX/year>, Relay Financial closed my business checking account without prior notice, citing compliance concerns. At the time of closure, approximately {$27000.00} remained in the account. I was informed that an investigation would be initiated to disburse the remaining funds. It has now been approximately XXXX days since the account was closed. I have contacted Relay support multiple times via chat and email requesting a status update and an estimated timeline for the fund disbursement. The only response I received was : " We do not have an update on the investigation at this time. '' I have also requested that the funds be returned via ACH transfer instead of a physical check, but have not received a response regarding this request either. As of today, XX/XX/year>, I have not received my funds and have received no meaningful communication from Relay regarding the status or timeline of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Subject : Debt Collection Attempt for Unrecognized Account IC System / XXXX Request for Verification and Investigation I am submitting a formal complaint regarding debt collection activity reported by IC System , Inc. concerning an alleged debt attributed to XXXX. I do not recognize this alleged debt, have never had any account or service relationship with XXXX, and have never received any billing statements, notices, or prior communications from TVision or any related entity prior to IC Systems collection attempt. IC System has attempted to collect this alleged debt without providing meaningful or verifiable documentation confirming that the debt belongs to me. When I requested validation and supporting information, I was not provided adequate documentation, and communication has been inconsistent, including refusal to provide clear written proof of the alleged obligation. My concerns are as follows : 1. I have no knowledge of or relationship with the original creditor XXXX. 2. I did not receive any prior billing, statements, or default notices before collection activity began. 3. The debt has not been properly validated with documentation linking me to the alleged account. 4. IC System has failed to provide sufficient proof of contractual obligation or authorization tying me to this debt. 5. I am concerned this may be a case of mistaken identity, inaccurate data reporting, or improper account assignment. I am requesting that the CFPB investigate whether IC System has complied with federal debt collection requirements regarding validation and accuracy before engaging in collection activity. I am also requesting that IC System be required to cease collection efforts until they can provide competent, verifiable documentation proving that I am legally responsible for this debt. Additionally, I request that this account be corrected or removed from any consumer reporting systems if it can not be properly validated. This complaint is made in good faith due to the absence of any known relationship with the alleged creditor and lack of substantiating documentation. Thank you.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 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: FL

Complaint narrative:
I am writing to request a goodwill removal of a Chase XXXX XXXX credit card ( account ending in XXXX ) from my personal consumer credit report. This is a business credit card issued to my company, XXXX XXXX. The account was closed in XX/XX/XXXX by Chase as a unilateral business decision not due to voluntary default on my part. At the time of closure, I maintained a comprehensive business relationship with Chase, including business checking accounts, a merchant services account for processing customer payments, and this credit card all of which were closed by Chase simultaneously without my request. Since XX/XX/XXXX, I have been enrolled in Chase 's XXXX XXXX XXXX at XXXX XXXX XXXX with a fixed monthly payment of {$460.00}, and I have made every payment on time without exception. I am fully committed to repaying this balance in full. I previously submitted a goodwill removal request directly to Chase and received only a generic response. I also disputed through XXXX, which denied my dispute citing the personal guarantee. I respectfully request that Chase review this account for goodwill removal from my personal credit report, given my long-standing comprehensive business relationship with Chase and my demonstrated commitment to honoring this obligation under the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I checked my American Express Gold Card account and saw XXXX charges for {$23000.00} to XXXX. I called American Express immediately to report the fraud. I did not make these charges nor did I authorize anyone else to use my card for this purpose. They have yet to contact me, the only way I found out that the dispute was denied was by a phone call that I made and I Have yet to know why. I sent the letter below on XX/XX/XXXX and have not heard from them. I called this morning and canceled the card which before had no credit limit and now has a {$17000.00} limit. I have been with this company for 30 years and have always paid what I owed but I did not buy any Gold or Silver totaling this amount and will not pay it. This is the letter I sent certified with signature required. Please advise. If your agency is not the correct agency to help me rectify this situation, please advise. I reported this to the XXXX XXXX XXXX XXXX. ( local ). If yo need additional information, please let me know. Thanking you in advance for any assistance you might provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — FHA 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: M&T BANK CORPORATION
State: MI

Complaint narrative:
I am filing this complaint because I believe M & T Bank provided misleading and inaccurate information regarding my mortgage loan modification, which resulted in my loan being referred to foreclosure counsel despite my efforts to comply with the modification terms. I was approved for a trial loan modification with M & T Bank. After I became late on one of the trial payments, I contacted M & T Bank to discuss my options. During that conversation, a representative informed me that I could make all required trial payments by XX/XX/year>, and still remain eligible for the loan modification. This conversation took place in XX/XX/year> with XXXX ext XXXX or XXXX ext XXXX. Relying on the information provided by M & T Bank, I believed my loan modification remained active and that I had until XX/XX/year>, to bring the trial payments current. However, after missing the first trial payment, my mortgage account was referred to a foreclosure attorney at XXXX XXXX before the date the representative told me I had to make the payments. Had I been accurately informed that my account could be referred to foreclosure counsel immediately or that the loan modification would be canceled because of the missed payment, I would have taken different actions to protect my home. I was then told that I could reapply for the loan modification, which I did but was denied in XX/XX/year>. I appealed the decision and received documents on XX/XX/year>, that the appeal was denied. On XX/XX/year>, I received another letter stating assistance application was in review. On XX/XX/year>, I received another letter stating my assistance application was missing documents, and they needed to be submitted by XX/XX/year>. The missing documents were not stated in the letter. The only instructions were to call M & T Bank to discuss. I called on XX/XX/year>, and spoke to XXXX ext XXXX and she told me my account was referred to foreclosure, but no date has been listed yet. I am requesting that M & T Bank : Provide all records, notes, and recordings of my communications regarding the loan modification. Explain why my account was referred to foreclosure counsel despite the information provided by its representative. Review whether inaccurate or misleading information was provided to me. Suspend foreclosure activity while this matter is investigated. Reevaluate my eligibility for loan modification assistance and foreclosure alternatives. I believe I relied on information provided by M & T Bank in good faith and was harmed when the account was referred to foreclosure proceedings contrary to what I was told.

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 2026-06-11 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: MS

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez mistakenly placed lender based insurance on my account, increasing my mortgage significantly. They falsely claimed that my homeowners insurance was lacking coverage of Fire/Hazard. This is twice now that they've done this, XXXX has now corrected them multiple times. They also claim there's an escrow shortage of {$8200.00}. They've been unable to explain why this shortage exists, and they've admitted to the insurance mistake. Even after removing the insurance, they refuse to provide the information accurately on the customer portal where we pay our mortgages, thus I was not able to pay. I informed them multiple times to fix the mistake, make the corrections, and I'd gladly pay. They refuse. I've been at this for months now with them. It has thus far, cost me enormous amounts of my own time. Why should I, as a customer, have to spend this time on the phone with them, when there's clearly a problem that they should just fix? Today, XX/XX/year>, I am so frustrated with this, I just broke down. I paid the incorrect amount of {$8500.00}, putting myself in financial jeopardy. I should be paying the correct amount for XXXX and XXXX of {$7100.00}

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