vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Synopsis : I disputed 3 Midland Credit accounts with XXXX XXXX, and XXXX in 2025. The debt came back verified. I sent a direct dispute letter to Midland. Received no information. I disputed the debts again. The debts were verified again. I sent an MOV letter to all three credit bureaus. I have not received responses. I attached court documentation showing the case was dismissed against me without prejudice. I filed two CFPB complaints. Midland responded I was a potential victim of fraud. In second dispute, responded with XXXX old credit card statements. I have sent all of this information certified to all three credit bureaus. I am submitting this supplemental rebuttal regarding Midland Credit Managements response to my complaint. Subject : CFPB Rebuttal Inconsistent Position and Failure to Validate Debt I am submitting this supplemental rebuttal regarding Midland Credit Managements continued reporting of the disputed account. Midland previously initiated litigation against me regarding this alleged debt. That lawsuit was later dismissed without prejudice. Despite initiating and then dismissing legal action, Midland continues to report the account as verified with the credit reporting agencies. Additionally, in its CFPB response, Midland indicated that there may be potential fraud involved. This statement is inconsistent with its continued reporting of the account as accurate and verified. Under 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of dispute, it must conduct a reasonable investigation before continuing to report information as accurate. Midland has not provided : A bill of sale referencing my specific account A complete chain of assignment from the original creditor to Midland An affidavit of sale or account-level purchase documentation A signed agreement bearing my signature A complete payment history from account opening through charge-off A breakdown of the charged-off balance showing principal, interest, and fees Uploading prior billing statements from the original creditor does not establish ownership, legal standing, or authority to collect. The combination of : A dismissed lawsuit Continued reporting as verified A suggestion of potential fraud Failure to provide ownership documentation raises serious concerns regarding whether a reasonable investigation was conducted. I respectfully request that the CFPB require Midland Credit Management to either : Produce full documentation establishing legal ownership and the accuracy of the account ; or Immediately delete the account from all consumer reporting agencies. Continued reporting under these circumstances constitutes ongoing harm. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I XXXX contacted alliance one collection agency on my behalf to get information on the debt they said I owed. They provided me the information and which I recorded the conversation. I told them there was a mistake how do I address the issue? I was then told by a young lady to go to the court house that I would have to take it up with them it was a clerical error on their end. I went to the XXXX XXXX XXXX courts in which they printed out all of my records and stated that I had NO outstanding fines with them and I did not owe money and that the collection agency was inaccurate with there information to show them you have a printed out declaration from the XXXX XXXX XXXX courts showing I don't owe. I did that and they said the court system is wrong. The collection agency is falsely taking my money. And they told the state of California XXXX XXXX XXXX to intercept my state refund. In which they did and I want it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: MO

Complaint narrative:
I am submitting this complaint regarding FirstDayLoans collection practices and their refusal to honor my revocation of phone communication. On XX/XX/year>, I spoke with a FirstDayLoan representative to explain a temporary financial hardship due to unexpected job termination. During this conversation, I clearly stated : I was recently fired and am actively seeking new employment I intend to make payment once income is restored I revoke consent for phone communication I request all future communication be conducted in writing only The representative informed me that FirstDayLoan does not need to follow FDCPA guidelines and explicitly stated they would continue calling me every day. Despite my clear revocation of consent, I continue receiving repeated collection calls. This conduct is distressing and appears inconsistent with federal consumer protection standards. Consumers retain the right to revoke consent to be contacted by telephone. Continued calls after consent has been revoked may raise concerns under, but not limited to : Telephone Consumer Protection Act ( TCPA ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards Fair debt collection communication principles My request was not a refusal to pay, but a good-faith request for reasonable communication boundaries during a documented hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A charge in the amount of {$79.00} was debited from my account on XX/XX/XXXX. I received a correspondence letter dated XX/XX/XXXX informing me that the case was closed and denied as the charge in question was declined. My complaints stay active as a transaction in the amount of {$79.00} was debited from my account which was fraud as I never authorized a reoccurring payment from XXXX in this amount. The bank found that this fraudulent transaction had happened before and denied the claim when I try to hit card number XXXX. Upon closing said card a new card number XXXX was issued and XXXX again took {$79.00} out of my account on XXXX XXXX. I called to resolve this and spoke with XXXX and escalation representative who hung up on me at XXXX XXXX informing me that I was bullying them for trying to get my funds back in my account. This transaction was deemed fraudulent in the prior months and I never had a card XXXX in my possession for them to be able to withdraw {$79.00} out of my account. I was given claim number XXXX which stated that the claim will remain denied because the transaction was declined and never Posted however it did post on 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 explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I applied to open a new consumer checking account and was denied, despite never having held an account with this bank. I was not provided a clear or specific explanation for the denial at the time of application. I am concerned that inaccurate or unverifiable information may be appearing in a consumer reporting system such as XXXX or XXXX XXXX XXXX, or that there is an identity or phone number mismatch affecting my ability to open an account. I am requesting a full explanation for the denial, including which consumer reporting agency was used, what information led to the decision, and how I can correct or dispute any inaccurate information. I am seeking fair access to banking services and transparency regarding this decision. Its not a specific bank either. Its just any bank I apply for I get denied. I already reported to XXXX XXXX but Im not sure if I put anything correctly so Im reporting to yall to please if yall can help me with this

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 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems Account XXXX Narrative : I am submitting this complaint regarding Jefferson Capital Systems. I dispute the accuracy of this account. Despite my prior requests for debt verification, I have not received adequate documentation to support that this debt is valid and belongs to me. The continued reporting of this account as delinquent is negatively impacting my credit report. I request that Jefferson Capital Systems either provide the proper documentation verifying this debt or cease reporting this account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

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

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 2026-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I took out a private student loan with my Dad as the co-signer. In XXXX, I signed separate private student loan this time with my mother as my co-signer. Both loans were originally issued by XXXX, but later sold/or transferred to Firstmark Services . After taking a semester off college, my deferment period ended and I was asked to begin making monthly payments. Upon signing in and setting up my Firstmark account, we discovered that Firstmark 's system has listed my mother as the primary borrower for the XXXX loan. My mother did not sign the XXXX loan, and is not listed on the promissory note, and the promissory note clearly lists me as the borrower and now deceased father as the co-signer. Yet, they have listed my mother has the borrower and have been calling her harassing her for payments on the loan despite her informing them she is not the borrower or signed to the loan. Because Firstmark 's system does not show me being attached to the loan, they have denied me access to said loan, and said they are unable to discuss the account with me. Despite the fact that I had been previously receiving statements on my account for the XXXX loan, until XX/XX/XXXX. At at the same time, have informed my mother that she was in fact the primarily borrower over the phone. And have provided my mother with loan information for the XXXX loan, and sent her a copy of the XXXX promissory note despite her not being a obligor on that loan. I did not authorize access and disclosure of my loan documents to a non-obligated third-party. Around XXXX or XXXX of XXXX, a monthly payment was made on my account for the XXXX loan. However, Firstmark reversed that payment and applied a portion of that payment to the XXXX loan. However, because the XXXX loan does not appear under my online account, I do not have access to it. I was never informed the funds would be redirected to a loan not visible to me and which I am denied access to. I only found out because my account showed late/missing payments despite me making the payment, and it required my mother a non-affiliated third party to find out where the funds were sent. My mother and I have called Firstmark both separately and on a joint phone call and informed them over the phone that I was the correct borrower on the XXXX loan and to correct the error, but they have failed to do so. Despite being informed that my mother is not an obligor on the XXXX loan, and after providing her with a copy of the promissory note that clearly shows she did not sign the loan, Firstmark has continued to contact her, talk down to her, dismiss her when informing them she is not the loan borrower. Because Firstmarks system does not list me as a borrower on the XXXX loan, despite the loan appearing on my credit report, I filed a dispute with XX/XX/XXXX regarding the inaccurate borrower designation. My dispute was subsequently denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am saddened to have to write this letter regarding a balance transfer issue that I was unable to resolve with your great customer support team after repeated attempts. For some context, I've suffered XXXX XXXX XXXX XXXX since XX/XX/XXXX in a series of freak accidents. I have XXXX XXXX XXXX and am on XXXX. The XXXX effects are dizziness, cognitive issues, sensitivity to light and sound, and fatigue, among others - see attached. While shopping for balance transfer offers, apparently, I applied for XXXX from Discover ( and XXXX XXXX ). I can not remember. I do see that XXXX XXXX ( your parent ) transferred the entire balance of {$10000.00} on XX/XX/XXXX, while Discover transferred only {$9500.00}, not fully covering the amount, on XX/XX/XXXX - see attached. Had I known that Discover had the option of transferring less than the entire balance without my authorization, or at least, alerting me, I would have never agreed to it. My brain is not working well, and this is a very challenging time for me. Would you please reverse the {$280.00} fee? Lets restart this relationship on a positive note. Discover has refused to reverse the fee despite my current XXXX. The {$9500.00} transfer as an unauthorized amount because you did not consent to a partial transfer that failed to cover the full balance of your other ( XXXX ) account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an unauthorized electronic transaction in the amount of {$96.00} that was processed through my Cash App account by XXXX without my authorization. I initially reported this unauthorized transaction to Cash App on XX/XX/scrub> 2026, and completed the required dispute form. Cash App confirmed receipt of my dispute on XX/XX/year>2026, and began an investigation on XX/XX/year>2026. This dispute was submitted as an unauthorized electronic fund transfer. I did not authorize this XXXX transaction from my Cash App account. During the course of the investigation, I followed up with Cash App requesting clarification regarding whether provisional credit would be issued while the investigation was ongoing, as this transaction was reported within the required timeframe under the Electronic Fund Transfer Act ( Regulation XXXX ). My request for this information was not addressed. Cash App has since responded by stating that there is no automatic XXXX-business-day provisional credit for " Service Claims '' and has indicated that my claim may take up toXX/XX/XXXX days to investigate and resolve. This response suggests that my dispute may have been categorized as a service-related merchant dispute rather than an unauthorized electronic transaction, despite my report that I did not authorize this charge. The continued lack of access to funds that were withdrawn without my authorization has caused financial inconvenience. I am concerned that my claim is not being reviewed under the appropriate classification for unauthorized electronic fund transfers, which impacts the applicable investigation timelines and consumer protections under Regulation XXXX. I am requesting reimbursement of the unauthorized {$96.00} charge, issuance of provisional credit during the investigation if the review remains ongoing, and written confirmation that this matter is being handled in compliance with applicable consumer protection requirements under the Electronic Fund Transfer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Please See CFPB Record Complaint XXXX XXXXXXXX. XXXX repeatedly responded with FALSE information, as I have successfully proven with attachments of my loan history with XXXX, yet they STILL denied it .. yet Aidvantage provided an email stating the loan was received from XXXX.. which is their proof as well. This reported complaint was NEVER resolved and passed to the by CFPB FTC... Why? I am fully entitled to financial refund, as my credit, loan history and false Denials have caused tremendous challenges in acquiring resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I enrolled at XXXX University in or around 2023 for a XXXX XXXX academic program. In order to attend, I took out federal student loans that are currently serviced by Nelnet. I only attended the program for approximately XXXX semester before withdrawing from the university. Despite my limited time in attendance and not completing the program, I was still left with a remaining federal student loan balance. Because I did not complete the XXXX XXXX program, I did not receive a degree or certification and was unable to obtain employment in the field related to my studies. I believe the loan balance does not accurately reflect the educational services I received given the short duration of my enrollment. I am requesting a review of this matter because I withdrew early in the program and did not receive the long-term educational benefit expected from taking on this federal student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding the following collection account : PORTFOLIO I dispute this account in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ), I requested proper validation of this alleged debt. The collector has failed to provide sufficient documentation as required by federal law. To properly validate this account, the collector must provide : A complete accounting of the alleged debt, including principal, interest, and fees. A copy of the original signed contract or agreement bearing my signature. Documentation showing legal standing and authority to collect this debt. A complete chain of assignment from the original creditor to the current collector. Proof that the amount reported to consumer reporting agencies is accurate. Proof that the collector is currently licensed and legally authorized to collect debt in my state, including their state license number and issuing authority. If the collector is not properly licensed in my state, they do not have legal authority to collect or report this debt. Under FCRA XXXX ( b ) and XXXX, furnishers and consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting a collection account without competent validation and proof of authority constitutes inaccurate and unverifiable reporting. Simply responding account verified through an automated system does not constitute proper validation under federal law. If the collector can not provide the documentation requested above, they must : Immediately cease all collection activity Immediately delete this account from all consumer reporting agencies Provide written confirmation of deletion Continued reporting without proper validation and proof of licensing constitutes furnishing inaccurate information and unlawful collection activity. I am requesting that the CFPB require deletion of this account if the collector can not fully comply with the above validation requirements. Sincerely, If this matter is not resolved through immediate deletion, I will pursue additional complaints with my State Attorney General and explore all remedies available under the FDCPA and FCRA for unlawful collection and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Subject : Improper Fee Assessment & Account Restriction After Payoff Complaint : On XX/XX/year>2026, I paid my Capital One credit card balance in full ( approximately {$6000.00} ). Due to an accidental payment initiated from a closed account, the payment was immediately reversed and corrected the same day using a valid account. Capital One subsequently placed my account under restriction. Despite multiple phone calls and verification of funds, the restriction has remained in place for several weeks. During this restricted period when I could not use the card a fee of {$100.00} was assessed. I am disputing this fee because the account was restricted by the issuer and the balance had been paid. I am requesting : Removal of the {$100.00} fee Written explanation for the extended restriction Confirmation that my account reflects a XXXX balance and is in good standing I have made multiple attempts to resolve this directly with Capital One without resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
I've talked to them multiple times to try to arrange a settlement or surrender the car. I've paid back what XXXX owed plus another {$6000.00} XX/XX/XXXXin interest. I can no longer afford these payments due to health issues. They won't work with me. They even lied to me saying they would sue me and take all 100 % of my paycheck. I called them out and said you lie because they can only take 25 %. They are predatory lenders

Company response to consumer: Closed with explanation