vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C.
State: FL

Complaint narrative:
I was first notified of this alleged debt when a tenant screening company denied my apartment application due to an outstanding balance owed to a previous apartment community, XXXX XXXX. Prior to this denial, I never received any notification of the alleged balance, such as a final account statement, itemized list of charges, or any other written notice from the apartment community. In order to resolve the issue and proceed with securing housing, I contacted the collection agency, the Law Offices of Brett M. Borland, and paid the balance they claimed was owed. However, when I later applied for another apartment community, the tenant screening report still reflected the outstanding debt as unpaid. I contacted XXXX at the Law Offices of Brett M. Borland and was informed that my payment had been mistakenly posted to another individuals account. He advised that he would be unable to correct the error until an accountant associated with XXXX returned. Since that conversation, the firm has stopped communicating with me and has not corrected the error. As a result, the debt continues to appear on my screening reports and is preventing me from securing housing, despite the fact that I paid the balance in good faith. I am concerned that the failure to properly apply my payment and correct the reporting of this debt may constitute inaccurate credit reporting and unfair collection practices under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting that this matter be investigated and that the collection agency promptly correct their records, accurately reflect that the debt has been paid, and update any reporting provided to tenant screening or credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I attempted to open a checking account, but the bank declined me due to a ChexSystems report showing a closed account from a fraudulent check. The check in question was reported to the bank, and a police report was filed, but I do not have a copy at this time. The bank was aware the debt was fraudulent, yet the account closure and ChexSystems reporting remain, preventing me from opening a new account. I have made attempts to dispute this directly with the bank and ChexSystems, but the issue has not been resolved. I am requesting removal of this record so I can access banking services.

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 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I cancelled my XXXX XXXX XXXX XXXX XXXX XXXX returned all equipment at the XXXX store at XXXX XXXX XXXX XXXX XXXX FL XXXX . I was told the account was closed with a final payment. Despite this, Sunrise Credit is reporting a {$160.00} collection account related to this service. This collection is inaccurate because the account was properly closed and equipment returned. I am requesting that Sunrise Credit delete this collection account from all credit reporting agencies.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding an unauthorized transaction involving my bank account with Citibank. The key facts are as follows : The card in question was never used for any in-person or online transactions. The only activity associated with the account was a balance transfer. An unauthorized transaction of approximately {$20.00} occurred in XXXX as a physical, in-store purchase. I have never been to XXXX and did not authorize this transaction. Citibank credited my account and ultimately resolved the claim in my favor. However, the bank has refused to provide a clear and meaningful explanation regarding the origin of the compromise of my card data. I am not requesting proprietary investigative methods. I am requesting basic factual information, including : Whether my card data was associated with any known data breach or third-party compromise The method of transaction processing ( chip, magnetic stripe, or manual entry ) Any relevant information necessary to understand how a card that was never used could be compromised and used internationally Under the Fair Credit Billing Act and the Electronic Fund Transfer Act, financial institutions are required to conduct a reasonable investigation and provide consumers with the results of such investigations. While I understand there may be limits to disclosure, the complete refusal to provide any meaningful explanation raises concerns regarding transparency and consumer protection. Additionally, if any data breach or compromise occurred involving my personal or financial information, I request confirmation in accordance with applicable state data breach notification laws. Given the circumstances including a never-used card, international physical usage, and lack of transparency I respectfully request that this matter be reviewed. V/R 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 monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint against Chase Bank regarding the handling of my account and deposited funds. I deposited XXXX commission checks issued by my brokerage, XXXX XXXX XXXX XXXX. The following day, Chase Bank blocked my account, claiming that the checks or transactions were fraudulent because they were unable to verify the companys funds. I provided Chase with a valid contact number for the brokerage so they could verify the checks, but they refused to call, stating they did not have a registered number. I also arranged a call with the companys accountant from XXXX XXXX XXXX XXXX to confirm the legitimacy of the checks, yet Chase still failed to take any action or provide a resolution. I requested to cancel the checks, but they denied my request. I also asked them to return the funds to the issuing brokerage ( where I am an associated agent ), and they refused as well. As a result, Chase closed my account, is holding my funds, and has failed to provide any clear explanation or resolution. This situation is extremely frustrating and has caused me financial distress. I am requesting that Chase either release my funds immediately or return them to the issuing brokerage, along with a clear explanation of their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit report contains inaccurate and unauthorized entries that do not reflect my actual credit history. These items are misleading, may negatively affect my creditworthiness, and could result from errors, identity theft, or fraudulent reporting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and demand the correction or removal of such items.

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 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Business Processing Solutions, LLC
State: CA

Complaint narrative:
I received a garnishment of an expense refund and was told it was a debt owed to NJ XXXX XXXX XXXX. I reached out to them to see if I could make a payment arrangement and after XXXX weeks of trying to get feedback I was told that the debt was sent to Pioneer Credit Recovery. I called them and spoke to a XXXX XXXX XXXX and tried to make an arrangement with them but was told that I needed to pay more than $ XXXX. But if I couldnt I could send them and e-mail with the amount I could pay along with a statement that I no longer reside in the state of NJ and wasnt required to file any additional taxes. I did so a few times and he finally called back saying that they needed to get approval from NJ XXXX XXXX XXXX. NJ XXXX XXXX XXXX is telling me to contact Pioneer Credit Recovery and they are telling me they need approval from NJ. XXXX days ago I receive a notice stating if I dont pay the balance due within 30 days they will report the debt to an agency that will do a garnishment of any refunds I receive. I have since paid over {$700.00} and have had my expense reimbursements garnished in the amount of {$430.00}. I cant get a straight response or current balance owed as the amount paid and garnished are not being included in the dollar amount they are stating is due. While any expense refund I receive is being garnished.

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 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Eastern account system charged me {$280.00} on XX/XX/year> for the XXXX bill and the company reported the wrong amount to the credit bureau of {$280.00} on the same day XX/XX/year> which was already paid. I disputed this this situation twice and eastern account systems denied it. And the XXXX dispute was unknown from them. I contracted eastern accounts system several times to have them fixed the issues and to send me email correspondence and they lied and did not send me anything. Also, they are not willing to fix the problem. The company have not done anything on their part to resolve it and remove it nor update to reflect the paid resolved account. They continue to deny the error that they have caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
I've contacted Edfinancial multiple times since XXXX and submitted a new idr application in XXXX as requested by the agent so I could be removed from the XXXX plan forbearance and have payments count towards forgiveness. I also feel I was misled by the college and charged more than what was required and I'm unsure if the credits were transferred correctly. At this time I have submitted a Borrowers defense application as well. In regards to Edfinancial I believe legal action needs to be taken because I've received false information from every contact event. I was also given incorrect payment options that could have eliminated my time towards forgiveness and caused major financial hardship. Something has to be done because I do not believe any of the loan information or payback information has been calculated correctly. How can any information be trusted if there's different info provided with every agent? I was advised in XXXX I was coming off forbearance and was advised my new idr application was approved. I'm still in XXXX and I'm still in forbearance after being told by every agent that would change in XXXX days. Please investigate all my contact events, loan information, college financial documents, transcripts, payments etc. Please help because Edfinancial is not helping and giving false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: AL

Complaint narrative:
I am filing a complaint regarding a collection account that was placed on my credit report by Prince-Parker & Associates without any prior notification or opportunity to dispute or validate the alleged debt. I never received any written notice, communication, or validation letter from this collection agency before the account was reported to the credit bureaus. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires a debt collector to provide a written validation notice within XXXX days of initial communication. Additionally, reporting this account without first providing me the opportunity to dispute the debt raises concerns under the Fair Credit Reporting Act ( FCRA ), as I was not given a fair opportunity to verify the accuracy of the information before it negatively impacted my credit profile. Because I was never properly notified, I was denied my right to request validation of the debt, dispute its accuracy, or otherwise respond before it was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westcreek Financial
State: PA

Complaint narrative:
I am filing a complaint regarding a financing agreement with Koalafi ( Agreement # XXXX ) that I believe was obtained under coercion and misrepresentation. I did not intend to finance the full amount. I only wanted to pay for the repairs necessary to pass inspection. However, they depleted the entire lease amount of {$3500.00} and I was charged for the full quoted amount to fully fix repairs and pass inspection, even though the repairs were not completed. The vehicle still does not pass inspection due to unresolved brake light and turn signal issues. A necessary component was not installed, yet I was still charged. He told me he would not leave the shop until he completed my vehicle ; however, upond arrival to pick up my vehicle about XXXX XXXX, he attempted to charge an additional {$1100.00} for completion of service, claiming I now needed a " tipping module '' in order to pass inspection. While I was at an auto repair shop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA ) I disputed this matter and I was told that I would not be allowed to take the keys to my vehicle unless I signed a financing agreement for the full amount and pay him an extra {$240.00}! He stated he already submitted the paper work to Koalafi and was unable to change the documentation. I felt pressured and had no reasonable alternative, as the shop refused to release my keys. The financing agreement does not reflect completed or delivered services. I believe the terms and obligations of this agreement were misrepresented to me under pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Product : Checking or Savings Account Issue : Problem with a lender or other company charging your account Company : Navy Federal Credit Union Complaint : I am filing a complaint regarding an unauthorized withdrawal ( Savings Adjustment Debit ) in the amount of {$2000.00} taken from my account on XX/XX/year>, immediately after my federal tax refund was deposited. This action was taken by Navy Federal Credit Union without prior notice or a clear explanation at the time of withdrawal, causing immediate financial hardship and preventing me from covering essential living expenses. The funds appear to have been applied toward an alleged debt that is over XXXX years old. I dispute the validity, enforceability, and amount of this debt. Due to the age of the account, it may be beyond the applicable statute of limitations, and I question whether Navy Federal Credit Union has the legal authority to enforce collection through account offset in this manner. Additionally, I have not been provided with sufficient documentation to validate : - That Navy Federal Credit Union currently owns the debt - That the amount collected is accurate - That I agreed to the specific terms allowing this type of offset under these circumstances I am requesting : 1. Full validation of the alleged debt, including account history and ownership 2. A copy of the agreement authorizing this offset 3. A detailed explanation of how the amount of {$2000.00} was calculated 4. A review of this action due to financial hardship and consideration of a full or partial refund This situation has caused significant financial distress, and I am seeking a fair resolution. I expect a timely and thorough response to this complaint. Sincerely, XXXX XXXX

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation