vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascent Holding Co
State: FL

Complaint narrative:
I am a XXXX Florida resident with XXXX XXXX. In XX/XX/XXXX I took out a {$9900.00} private education loan through XXXX XXXX XXXX XXXX XXXX to attend XXXX XXXX XXXX. Every dollar of the loan was paid directly to Devslopes ( see attached XXXX XXXX ). XXXX abruptly closed in XX/XX/XXXX with no teach-out plan, no refunds, and no education delivered. I received XXXX value from the program. On XX/XX/XXXX, XXXX sent a denial letter claiming they have no responsibility and quoting Section 31 ( d ) of the Credit Agreement. However, they completely ignored Section 34 of the exact same agreement, which contains the mandatory FTC Holder Rule notice required by federal law ( 16 CFR 433 ). As the holder of the contract, Ascent inherits all claims I have against Devslopes, including total failure of consideration. Additionally, multiple Ascent and XXXX XXXX representatives made recorded promises to me that a solution was being worked on and that I should not escalate or file complaints. I relied on those promises in good faith. Ascent then sent a form denial letter and began damaging my credit anyway. These statements constitute deceptive and unfair trade practices under Florida law ( FDUTPA ). I sent a formal written dispute letter today ( XX/XX/XXXX ) demanding immediate forbearance and a freeze on negative credit reporting. I request that the CFPB investigate this matter and compel Ascent/DR Bank to discharge or substantially reduce this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: WLCC
State: NV

Complaint narrative:
I recieved a loan from XXXX XXXX in XXXX however after realizing their predatory practices and illegal actions, I advised them that the contract was void and to cease contacting me. Two years later and they continue to attempt to contact me on an illegal loan despite me asking them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
In XXXX, I experienced an involuntary job loss that caused two late payments on my XXXX 's credit account. I have since returned to stable employment and enrolled in a nonprofit debt management program. My account is current and has been paid on time every month since. I am a long-standing customer with an otherwise strong payment history, and these late payments were an isolated hardship event outside of my control.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I applied for a Capital One Spark credit card ( XXXX ID : XXXX ) in XX/XX/XXXX. I have called at least five times to find out the outcome. Every time, the Customer Service Rep tells me : 1. My application was denied. 2. They can not give me the reason on the phone. 3. I need to login online. Every time, they walk me through the process and I always get an error message that my account is locked. I let them know that I can not log in and read the error message. 4. I request a written letter explaining why my application was denied. After over 4 months, I have never received a letter explaining why my application was denied. I have had a XXXX XXXX XXXX over XXXX since XXXX Scores were developed in XXXX. Also, I have had a Capital One credit card for many years with no late payments. I am attaching the email note showing that my application was complete with all requested documents on XX/XX/XXXX. I have had no other communication that any information was missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am filing a complaint against Midland Credit Management ( MCM ), also known as XXXX XXXX XXXXXXXX XXXX XXXX XXXX, regarding violations of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, I sent a formal cease and desist letter to Midland Credit Management instructing them to stop all communication with me regarding any alleged debt. This request was made in writing and should have been honored under federal law. Despite this, I have continued to receive collection calls. Most recently, on XX/XX/XXXX, I received a call from XXXX XXXX XXXXXXXX XXXX XXXX XXXX which I believe is affiliated with or operating under the same corporate group as Midland Credit Management. This is a direct violation of my cease and desist request. Under the FDCPA, once a consumer sends a written request to cease communication, a debt collector must stop contacting them except under very limited circumstances. The continued contact from what appears to be the same company operating under a different name raises serious concerns about deceptive and abusive collection practices. This behavior appears to be an attempt to bypass my legal request by using a different company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
This complaint concerns systemic violations of the Fair Credit Billing Act ( FCBA ) and Regulation Z ( 12 C.F.R. 1026.13 ) following a written billing error notice submitted on XX/XX/XXXX and received by the creditor no later than XX/XX/XXXX. The creditor failed to comply with core requirements of Regulation Z, including failure to properly acknowledge and failure to conduct a reasonable investigation under 1026.13 ( f ). Instead of performing a transaction-level billing error investigation, the creditor improperly applied a fraud-based framework, materially altering the scope of review and excluding a substantial portion of disputed transactions. The resulting determination is not based on a complete or reliable record. The creditor reported approximately {$200000.00} in disputed transactions for one account, while the same account statements reflect over {$420000.00} in credits and over {$420000.00} in rebills processed through the account. These figures can not be reconciled. The creditors conclusions are therefore not tied to the actual account ledger. Across accounts, the creditor provides multiple conflicting figuresincluding a total fraud amount of {$260000.00} and combined dispute totals exceeding $ XXXX are not mathematically related and can not be derived from one another or from statement-level activity. This demonstrates a critical failure : the creditor can not produce a single, consistent, and reconcilable dataset underlying its conclusions. Additionally, a substantial portion of the transactions identified in the written billing error noticeestimated at approximately 80 % were never opened, logged, or investigated. Disputes were opened only after the 30-day acknowledgment period had expired, which does not cure the initial violation. The creditor further claims specific financial adjustments, including a {$4400.00} write-off and a {$540.00} merchant credit, yet no corresponding ledger entries exist to support these figures. At its core, this is not a transaction-level dispute. It is a process integrity failure. If the creditor can not reconcile its own numbers to the account ledger, then the investigation can not meet the standard of a reasonable investigation under Regulation Z. Any determination derived from non-reconcilable and internally inconsistent data is inherently unreliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unverified information currently being reported on my credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i and 1681e ( b ). The account listed below is being reported inaccurately and without proper verification : Collection Agency : Nationwide Capital Services Original Creditor : XXXX XXXX XXXX Account Number : XXXX Amount : {$230.00} Date of First Delinquency : XX/XX/year> I am disputing this account in its entirety. This account is inaccurate, incomplete, and has not been properly verified as required by federal law. Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this dispute. Simply verifying this account through automated systems such as e-Oscar, or relying solely on the furnishers response, does not meet the legal standard of a reasonable investigation. Furthermore, under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy of all information reported. Reporting unverified or inaccurate data is a violation of this statute. I am requesting that you provide the following : 1. The method of verification used to verify this account 2. The name, address, and contact information of the party you contacted 3. Copies of all documents used to verify the accuracy of this account 4. Proof of the original contract or agreement bearing my signature 5. Documentation validating the Date of First Delinquency If you are unable to provide this documentation, you must immediately delete this account from my credit file. Please be advised that continued reporting of unverified or inaccurate information may constitute willful noncompliance under the FCRA, and I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. Additionally, please note that I have also requested validation of this alleged debt directly

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 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
Account XXXXXXXX XXXX XXXXXXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail with receipt displaying my signature. It not, please delete account XXXX XXXXXXXX as soon as possible from my report of i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: VA

Complaint narrative:
My federal student loans were transferred from XXXX to Central Research Inc. ( CRI ) in XX/XX/XXXX. I did not receive proper notification of this transfer or my repayment obligations. In its response, CRI acknowledged that communications were sent to an incorrect email address and that mailed statements were returned as undeliverable. This demonstrates that I did not receive proper notice. Additionally, there were discrepancies in my identifying information, including incorrect name and contact details associated with my account during this time. It is concerning that this information has now been corrected, as it suggests inaccurate data was being used when communication attempts and credit reporting occurred. Despite having evidence that communication attempts were unsuccessful, CRI proceeded to report my account as 90 days past due to the credit reporting agencies in XX/XX/XXXX. I was unaware of the repayment obligation prior to this reporting. As soon as I became aware of the issue, I immediately made a payment and brought the account current. The delinquency was not due to willful nonpayment, but rather due to failed communication during the loan transfer process. XXXX has already modified this account following investigation, while XXXX and XXXXXXXX continue to report inconsistent and more severe delinquency information. I previously filed a complaint through the CFPB regarding this issue. The company responded but did not resolve the inaccuracies, and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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 System. I did not open any account with this company and I have a collection with them in the amount of {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute and complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding the account reported by Portfolio Recovery Associates ( Account ending in XXXX ). This account is being reported as a collection account with a balance of {$780.00}. However, this furnisher has failed to provide competent evidence to support the accuracy and completeness of this account as required under 1681s-2 ( b ). Specifically : - There is no documented chain of title proving Portfolio Recovery Associates has legal ownership of this alleged debt. - No original signed agreement or contract bearing my signature has been provided. - No complete account-level documentation or itemized statement history has been produced. - The account was verified despite the absence of substantiating documentation, which constitutes a failure to conduct a reasonable investigation under 1681i ( a ). Additionally, continued reporting without proper verification is misleading and violates 1681e ( b ), which requires maximum possible accuracy. Based on these deficiencies, I demand : 1. Immediate deletion of this account from my credit file ; or 2. Full validation including chain of assignment, original contract, and complete account history. Failure to comply will result in complaints filed with the CFPB, FTC, and my State Attorney General, and I will pursue legal remedies for willful noncompliance under 1681n and negligent noncompliance under 1681o. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX I initiated a cash pickup transaction to send USD to XXXX via XXXX. I made the option to have money deducted from my Wells Fargo XXXX I was sent to login to my Wells Fargo account and a one time passcode was sent to me and then Wells Fargo took the money out of my account. Afterwards I went back to XXXX and they did not provide me with a transaction receipt/number. The total amount deducted from Wells Fargo XXXX was {$1100.00}. I contacted XXXX immediately and they could not provide me a transaction number they stated that it is not in their system and they say that they are not able to help me and they hung up. I contacted again and they said the same thing and they told me to submit an email and they are unwilling to help. I had made a fraud dispute with Wells Fargo and they denied my claim. My money is gone and no one knows where it is.

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Someone used my name without my permission I called this company and explained this to them. The company realized that this debt was not mines and still have it remained on my credit report. I never had this particular car ever I even game a name on who I believe this may be and they still failed to show proof of this debt is mines. I never called and had this or had anything in my name in years

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am a loyal New Jersey consumer navigating a documented medical insolvency with {$0.00} disposable income. To avoid default, I proactively established a 12-month XXXX XXXX XXXX with Barclays, offering a {$10.00} monthly Good Faith payment.Barclays signed the Certified Mail Green Receipt confirming delivery of these hardship terms on XX/XX/year>. Since then, Barclays has established a " Course of Dealing '' and " Implied Acceptance '' by successfully processing two consecutive {$10.00} payments : Payment 1 : Posted XX/XX/XXXX, XXXX XXXX : Posted XX/XX/year> ( Confirmed by a Barclays letter XXXX XX/XX/year> ) .However, despite physically accepting my modified tender, their automated systems are aggressively punishing me:1. FCRA Violation ( Inaccurate Reporting ) : I recently pulled my XXXX credit report and discovered that Barclays maliciously reported my account as " 30-59 Days Late ''. Furthermore, Barclays inaccurately reported to the bureau that my " last payment '' was on XX/XX/XXXX, XXXX ignoring and omitting the payments they took from me on XX/XX/XXXX and XXXX XXXX. XXXX Violation & Automated Threats : My documented medical condition strictly prohibits the stress of telephone negotiations. Despite requesting an XXXX Reasonable Accommodation for written communication only, Barclays ' automated system continues to threaten account closure and limit reductions while simultaneously spamming me with marketing and promotional offers.Actively cashing an insolvent consumer 's hardship payments while simultaneously furnishing false delinquency information, threatening account closure, and soliciting them for new credit constitutes an Abusive Act.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/year>, I received a suspicious call from capital one saying to call them. They asked about reward point transactions. I cleared it up and they said they have to verify my license. I submitted the license and they then told me it will take 10 business days to verify reviewed. This is unacceptable. I am traveling soon and need my credit card for purchases and protections. They refused to escalate this and to assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: NATIONAL DEBT RELIEF LLC
State: PA

Complaint narrative:
This company is calling me before XXXX and after XXXX. I have included a screenshot of the last phone call after XXXX. I call back but nobody answers for me to say, stop calling. They shouldn't be allowed to sollicit people so late and so often. XX/XX/year> XXXX am XXXX pm XXXX pm XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am requesting a Goodwill Correction for an " Over Limit '' mark reported by Bank of America ( Texas branch ) on XX/XX/year>. This was the VERY FIRST billing cycle for this new credit card account. On XX/XX/XXXX, I received the statement and intended to pay it immediately. However, due to the stress and exhaustion of my recent relocation to XXXX XXXX, I made a manual entry error and accidentally selected XX/XX/XXXX instead of XX/XX/XXXX. Since I have over {$10000.00} in my BoA checking account, there was absolutely no financial reason for me to delay this {$4000.00} payment ; it was strictly a technical oversight. Last night, as soon as I received the email alert about my credit score drop, I immediately logged into the BoA app and set up Auto-Pay for this card to ensure this would never happen again. My attempts to resolve this today were met with " gatekeeping '' and inconsistent information : At XXXXXXXX XXXX the Credit Card Center told me they had NO record of reporting this. At XXXX XXXX the XXXX XXXX branch ( where I planned to open my business account for XXXX XXXX XXXX refused to assist and redirected me back to the phone line. As a loyal long-term customer, I am deeply distressed by this automated reporting of a one-time manual error on a brand-new card. I respectfully ask BoA to remove this inaccurate alert from my XXXX report.

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