vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: TX

Complaint narrative:
I am filing a complaint against January Technologies regarding failure to properly validate a disputed debt. I disputed this account due to returned merchandise, missing items, and refunds that were not properly applied to purchases made through XXXX and financed through XXXX. In response to my dispute, January provided only a generic loan agreement and a basic account summary. These documents do not include any transaction-level accounting, proof of delivery, records of returned merchandise, or documentation showing how the balance was calculated after refunds. January explicitly stated that they do not have visibility into how the balance was calculated and directed me to contact XXXX. As the debt collector, they are required under federal law to provide validation of the debt they are attempting to collect. Redirecting me to the original creditor does not satisfy this requirement. I sent a follow-up dispute clearly outlining these deficiencies. January declined again without providing any additional documentation or proper validation. Additionally, the agreement itself states that any claims or defenses against the merchant apply to this debt. My dispute directly involves merchant-related issues that impact the validity of the balance. At this time, January continues to attempt collection without having properly validated the disputed amount. I am requesting that : - The account be fully validated with complete documentation, including all transactions, returns, and refunds, OR - The account be closed and any credit reporting removed or corrected to reflect the dispute This conduct appears to violate the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable collection reporting by National Credit Systems. This account is currently being reported as a collection/charge-off ; however, I do not owe this debt. After reviewing my credit reports, I identified multiple inconsistencies in how this account is being reported : The account does not appear on all credit bureaus The account is reported as paid with a {$0.00} balance, yet still categorized as a collection/charge-off Different remarks are being reported, including paid less than full balance and settlement accepted Variations in how the original creditor is identified These inconsistencies raise serious concerns regarding the accuracy, ownership, and validity of this account. Additionally, I have not been provided with sufficient documentation to verify : That I am legally obligated for this debt That National Credit Systems has the authority to report this account A complete and verifiable account history If the account has been paid and reflects a {$0.00} balance, continued reporting as a collection may be misleading and inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), collection agencies are required to ensure that all reported information is accurate, complete, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EGL US, LLC
State: PA

Complaint narrative:
{$110.00} directly from paycheck. Government job experiencing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate delinquency reporting on my federal student loan account serviced by MOHELA. I was actively enrolled in my academic program through XX/XX/year>, with my final term ending at that time. Based on standard federal student loan guidelines, my grace period should have begun after my enrollment ended. However, my account was placed into repayment earlier than expected, and I was reported delinquent. This resulted in a significant drop in my credit score. I did not receive proper notification that my account had entered repayment. MOHELA had an outdated email address on file that I have not used in several years, and I did not receive any relevant communications at my current email. I have also resided at the same physical address for over eight years and did not receive any mailed notices regarding repayment. When I contacted MOHELA to resolve the issue, I received inconsistent and conflicting information from different representatives. One r epresentative indicated that my grace period timeline appeared incorrect, while another stated that I was not enrolled and therefore placed into repayment. I was not withdrawn from my program but was between enrollment periods due to course availability and waitlisting for my next term. This was not a voluntary break in my education. I also requested confirmation of how and when I was notified of repayment, including verification of the email address used and whether any physical notices were sent. MOHELA was unable to provide clear or consistent documentation. As of now, my account has been placed into forbearance and is in good standing, which suggests that the prior delinquency status may have resulted from improper account handling or timing issues rather than borrower inaction. I am requesting a full review of my account, including verification of my grace period timeline, review of the decision to place my account into repayment, and correction or removal of any inaccurate delinquency reporting associated with this situation.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On many occasions, Ive purchased items thru PayPals app where they have offered cash back promotions. None of these cash back promotions have been honored. Two, in particular, are frustrating because I only made the purchases due to the significant cash back discount. I happened to screen grab evidence of both purchases, which were provided to PayPal yet they refuse to honor them. This is fraudulent and misleading marketing. The first transaction, dated XX/XX/XXXX, was for {$210.00} with XXXX and offered 24 % cash back. The second transaction, dated XX/XX/XXXX, was for {$310.00} with XXXX and offered 9 % cash back. I followed the instructions on PayPal explicitly by clicking on shop and using PayPal to purchase the items. The transactions are not disputed as they are shown in my transaction history. Only the cashback which PayPal inexplicably refuses to honor despite numerous attempts to resolve this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Received insisting calls from a third party company after my landlord refused to provide information to the city of XXXX to receive payments for rent. No proper actions were taken only this company purchasing this debt.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a 56 year-old consumer attempting to resolve XXXX accounts in good faith with LVNV Funding/Resurgent Capital Services . I initiated a written settlement offer of {$1500.00}, which was delivered to Resurgent on XX/XX/year>. I also sent copies to their law firms XXXX and XXXX in XXXX, XXXX ( delivered on XX/XX/year> ) and XXXX XXXX in XXXX, which was returned to by the XXXX as undeliverable/vacant office. On XX/XX/year> I spoke with XXXX XXXX at XXXX and XXXX but she told me her office is not able to negotiate a global settlement and can not coordinate with XXXX XXXX or Resurgent Capital because they are only authorized to resolve the XXXX accounts given to them by Resurgent. I spoke with XXXX XXXX at XXXX XXXX, who stated the same. Next, I called Resurgent Capital and encountered a systemic circular impasse. I first spoke with XXXX XXXX, who told me I must settle each account separately and that there is no compliance department. Next, I spoke with a supervisor XXXX ( employee # XXXX ) who refused to facilitate a global deal, claiming policy forbids it. XXXX further stated that Resurgent 's Compliance Department does not speak with consumers and that they have no litigation team available to discuss active lawsuits. I am currently insolvent and judgment-proof under Texas law XXXX My income is exempt from garnishment in Texas, and my only assets are a protected 401 ( k ) and a financed vehicle with no equity. Despite having no legal path to collect on a judgment, I have offered a voluntary cash settlement, obtained by a third party loan with the strict stipulation it is for settling these accounts and will not be released to me for any other reason. In addition to obstructing the settlement, Resurgent has failed to provide a consolidated validation or transparent accounting for these 6 accounts. Please note, prior to today, I was only aware of 5 accounts, 3 in litigation and 2 in collections. Their refusal to coordinate a settlement while also preventing their law offices to coordinate on their behalf is an unfair and abusive practice designed to force consumers into unnecessary litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OK

Complaint narrative:
I filed for loss mitigation and was denied. I have paid on this loan for 18 years and have never asked for help. I may have been late a time or 2 but have always paid. When a person gets in a bind and asks for help, this mortgage company won't work with the average blue-collar hard-working person. All I asked was to move the past due amount to the end of the loan and let me start back in May, making the regular payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The J. G. Wentworth Company
State: FL

Complaint narrative:
I enrolled in a debt resolution program with J.G. Wentworth and submitted a written request to cancel my account on XX/XX/year>. On XX/XX/XXXX, I received a response encouraging me to remain in the program. I replied the same day clearly confirming that I wanted to cancel my account. Since then, I have sent multiple written requests reiterating my cancellation. Despite this, my cancellation has not been processed. I have not received written confirmation, and instead I continue to receive repeated phone calls daily. I have explicitly requested that all communication be in writing, but this has been ignored. I have also been told that I must complete a phone call to cancel my account. I do not agree to this requirement and have already canceled in writing. Most recently, I received another email directing me to call them to discuss my account instead of processing my cancellation. I have revoked authorization for any further debits and have requested : Confirmation that my account is canceled effective XX/XX/year> Confirmation that no further fees or debits will occur A full accounting of all funds paid and disbursed These requests have not been fulfilled. This company is failing to honor my cancellation request, delaying the process, and continuing excessive and unwanted contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Since XXXX of XXXX we have had a loan on a XXXX XXXX XXXX through Exeter Finance Company. Our first 4 monthly payments were processed without issue. Then in XXXX of XXXX our payment was sent back, as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had been called about our payment for the XXXX and XXXX payments, in which we asked why the money was bounced back to which there was no answer. Then in XXXX of XXXX we were called again about our payment not going through, only to realize there was a {$3.00} processing fee for payments made, which we never were made aware about in the previous calls. Today XX/XX/XXXX I was called again about our XX/XX/XXXX payment where I expressed our frustration with bounced payments and fees being added when we had the exact amount needed for our car payment in our account. We have been getting charged a {$3.00} fee for auto pay, but we never put in a debit card number like I stated before. So in conclusion we have been getting delinquency fees, bounced payments, and phone calls because the system is charging us a {$3.00} fee which we shouldnt be getting charged due to our payment option, and we werent made aware of it back in XX/XX/XXXX. Since then my girlfriends credit has tanked after she had been working so hard to raise jt back up since XXXX of XXXX, and we have fees being added to our amount which shouldnt be accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: AL

Complaint narrative:
I received a collection notice from MRS BPO , LLC regarding an alleged debt ( XXXX ) that I do not recognize. I have no knowledge of this debt and have never entered into any agreement with MRS BPO , LLC or the original creditor. This account appears to be inaccurate or unverified. I have filed complaints with the Federal Trade Commission ( FTC ) regarding this matter due to concerns about unauthorized and improper collection activity. MRS BPO , LLC is attempting to collect on a debt without providing proper validation or sufficient documentation. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that MRS BPO , LLC provide full validation of this alleged debt, including the original creditor, a signed agreement, and complete account history. If they are unable to provide proper validation, they must cease all collection activity and ensure that this account is not reported to any credit reporting agencies. This situation is causing unnecessary XXXX and concern, and I expect this matter to be resolved promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAC Financial Corp
State: OK

Complaint narrative:
CAC contacted me via phone to discuss a debt collection on XX/XX/year> @ XXXX XXXX XXXX. The debt was less than {$100.00} according to the debt collector. During the collections call, the debt collector had a very condescending and rude tone. I asked to speak with someone else on supervisory team. The collector # XXXX notified that were infact a manager on duty. I requested their full name and only given the first name and employee # XXXX. They informed that I would be following up and filing a claim for poor service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: CMRE Financial Services, Inc.
State: OH

Complaint narrative:
Claims i have an outstanding medical payment debt, I have never received a paper statement of any kind or knowledge of such a debt. This is the second time they have tried to contact me via text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My XXXX and I are beneficiaries on my Mothers savings account. Her name is XXXX XXXX XXXX. On XX/XX/XXXX I submitted all the documents necessary and since then I have not gotten any info from the Estate department. I have no case number no idea when funds will be issued according to the Letter of Instruction that was submitted. We have to pay the funeral home and they are waiting patiently and I have no status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Block, Inc.
State: NM

Complaint narrative:
I keep asking for a Cash app card I have called them and they don't fix the problem I have verified my identity and did everything they said to do and when I in call they still don't fix this problem

Company response to consumer: Closed with explanation