vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
There are XXXX entries on my credit reports from Midland Credit XXXX for {$1300.00} and XXXX for {$760.00}. They were asked to prove that they OWN the debt and can actually verify the amount by providing the full accounting of each account, account level documentation which includes originator of the debt, bill of sale for the debt, assignment of the pool of debt from original creditor, forward flowing agreement, all documents that they provided to the CRAs to verify the account, because they are still verifying this as accurate. The entry needs to be REMOVED until those documents are provided, per the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
They didn't send me a sign contact with my signature showing me the owner of said deth and no information that they have a right to collect on this deth that may or may not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 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: NY

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Failure to Investigate and Repeated Identity Verification Requests Credit Dispute Complaint To Whom It May Concern, I am writing to follow up on my complaint filed with the Consumer Financial Protection Bureau regarding my dispute with Experian. I have made multiple good-faith efforts to verify my identity and proceed with my credit dispute. Specifically, I have already submitted the following documentation : Copy of my drivers license IRS correspondence as proof of address Social Security documentation Despite providing sufficient identification, I continue to receive requests to verify my identity, and my dispute has not been properly investigated. This repeated request for identification is causing an unreasonable delay and effectively preventing the investigation process from moving forward. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a timely and reasonable investigation of disputed information. I believe Experians actions constitute a failure to comply with these requirements by : 1. Failing to conduct a reasonable investigation 2. Unnecessarily delaying the process through repeated identity verification requests 3. Potentially obstructing my rights under federal law At this point, I am requesting the following : Immediate confirmation that my identity has been verified A prompt and proper investigation of my dispute Deletion of any inaccurate or unverified information if a reasonable investigation can not be completed I have maintained records of all correspondence and documentation submitted. I am prepared to provide these records if needed.

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 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am submitting this complaint against Westlake Services , LLC regarding a disputed auto loan involving fraud, inaccurate credit reporting, improper collection activity, and failure to honor a binding arbitration agreement. ISSUE SUMMARY Vehicle financed on XX/XX/XXXX Vehicle was sold with undisclosed salvage and flood damage Vehicle became unsafe and inoperable Default occurred on XX/XX/XXXX due to these defects Westlake repossessed and sold the vehicle Westlake is attempting to collect a deficiency balance MAIN COMPLAINT 1. FAILURE TO HONOR BINDING ARBITRATION ( XXXX ) My contract requires disputes to be resolved through arbitration. I initiated arbitration with the XXXX XXXX XXXX ( XXXX ) The arbitration was closed without resolution Despite this, Westlake filed a state court lawsuit instead of arbitrating This is a breach of contract and denial of my agreed dispute resolution rights. 2. IMPROPER COLLECTION ACTIVITY ( FDCPA ) Westlake continues attempting to collect a disputed and invalid debt, including : Filing legal action despite arbitration requirement Continuing collection during an active dispute Misrepresenting their legal right to collect 3. INACCURATE CREDIT REPORTING ( FCRA ) Westlake has : Reported inaccurate information Failed to properly investigate my disputes Failed to mark the account as disputed 4. UNFAIR DEFICIENCY BALANCE ( UCC VIOLATIONS ) After repossession, the vehicle was sold in a commercially unreasonable manner : Sale price was significantly below fair value No proper justification for the deficiency balance The claimed balance is not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Despite having contacted Robinhood multiple times via email ( XXXX ) ; I have yet to receive a response regarding changing the email and phone number listed on the account. I am unable to access my account to make the changes myself due to a breach on my account. I would like for Robinhood to respond to my requests so that I can access the account and my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Concord Servicing Corporation
State: NY

Complaint narrative:
I have a XXXX XXXX XXXX loan with XXXX XXXX, based in XXXX, Arizona from the address I can see. My account number is XXXX. My payments are for {$120.00} at the first of every month. First, I tried doing XXXX through my banking, which is TD bank. I set it up with my account numbers and routing numbers and my loan account. The check was sent out for XXXX {$120.00}. However, on XX/XX/year>, I received notice that my check was returned because that could not locate my account, even though I verified the information with my bank and the company. The actual correspondence stated the reason for this return was " Unknown. '' I called and asked and they said it was a problem with my bank. I then made another payment to rectify this on XX/XX/year> for {$260.00} ( to cover XXXX months, plus a return fee ), which again was denied and " Check returned " ( I have yet to receive any of these checks that were returned ). I then called to complain again about this, and this time myself and a XXXX representative set up autopay through XXXX via the phone. After this was set up, my payments went through XXXX, which was processed on XX/XX/year>. Then, on XX/XX/year>, I received XXXX denial of payment, once again stating " XXXX '' and was also charged another check return fee, even though this was a digital transaction. Called again to rectify, once again a XXXX rep said it was my bank. I then called TD bank about these transactions, and they stated there is absolutely nothing wrong on their end. I called back XXXX XXXX and was very irate that they were having a problem with payment, where every other service I have done has had no problem. Once again, I re-signed up for the XXXX, as well as putting in another payment to cover my loan so I do not become a delinquent loanee. Once again, another correspondence came with another rejection of payment, with the same " Unknown '' message of why they could not process. I then said forget this, and made XXXX payments to cover my balance of the loan, including these bogus check return fees and late fees, where there was only XXXX check involved, and any lateness was due to their ineptitude taking my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: NC

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX. I am writing to formally dispute a debt collection attempt by Jefferson Capital Systems, which is inaccurately reflected under account number XXXX. The debt, amounting to {$180.00}, is being reported as a collection account across all three major credit bureausXXXX XXXX XXXX XXXX. However, this debt is not mine, and I am contesting its validity. On multiple occasions, I have contacted Jefferson Capital Systems to address this erroneous debt. Despite my efforts to resolve this matter, the account remains on my credit reports, severely impacting my credit scores, which currently stand at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The presence of this unwarranted collection account is adversely affecting my ability to secure new credit lines and is causing significant stress and financial hardship. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be incorrect on my credit report. I have yet to receive any documentation from Jefferson Capital Systems that verifies the legitimacy of this debt. The continued reporting of this debt without proper validation is a violation of my rights under the FCRA. I am requesting the complete removal of this account from my credit reports with XXXX XXXX XXXX XXXX This issue has caused undue harm, and I urge Jefferson Capital Systems to rectify this situation promptly by ceasing all collection efforts related to this account and ensuring its deletion from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

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 non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is 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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
The following company updated a collection on my credit report. I was never notified nor aware of what this is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am experiencing a significant issue with KIKOFF LENDING LLC regarding incorrect information that has been reported to the credit bureaus, which is reflected on my credit reports. The account in question, with the account number XXXX, shows a status of 'charged off ' with a current balance of {$220.00}. This account is inaccurately affecting my credit scores, which are currently XXXX with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I have taken proactive steps to resolve this matter, having already filed disputes with all three major credit bureaus on multiple occasions. On XX/XX/year>, and again on XX/XX/year>, I filed disputes regarding the incorrect details, yet the errors persist on my reports despite these efforts. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that furnishers of credit information ensure that the data they provide is accurate and up-to-date. The incorrect reporting of this account has caused significant harm to me by adversely affecting my credit scores, thereby impacting my ability to secure credit on favorable terms. This has created undue stress and financial strain as I seek to improve my financial standing. The repeated failure to correct this information despite my disputes is both frustrating and unfair. I am requesting that the Consumer Financial Protection Bureau assist in facilitating the removal of this account from all three credit bureausEquifax, Experian, and TransUnion. This resolution is necessary to correct the inaccuracies on my credit reports and to restore my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: LA

Complaint narrative:
I was approved for a personal loan through Best Egg. The loan funds were deposited but subsequently reversed by my bank on XX/XX/year> via ACH return. I never received the loan proceeds. I have contacted Best Egg multiple times through email, live chat, and phone to report this. I provided Best Egg with the ACH trace number to independently verify that the funds were returned and that I did not receive disbursement. I also provided an updated bank account for re-disbursement. Despite this documentation and repeated follow-up, Best Egg has not resolved the matter. Each time I contact them, I am told they are looking into it. No corrective action has been taken. The loan remains listed as active on Best Eggs platform, and automatic payments are currently scheduled to be withdrawn from my account next month for funds I have never received. I am requesting that Best Egg either disburse the loan funds to the new account I provided, or cancel the loan and confirm in writing that no payments will be collected. The current situation where I owe payments on funds I never received is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
I received a Federal Student Loan Quarterly Interest Notice from MOHELA indicating that my federal student loans are currently in forbearance. The notice states that no payments are due at this time ; however, it also states that interest may continue to accrue. As of the date of the letter, the loans reflect balances totaling approximately {$7900.00} with an interest rate of 5.05 %, and accrued interest amounts are already being added across multiple loan groups. I have concerns regarding the accuracy and legality of interest accrual during this forbearance period, as the communication does not clearly identify the type of forbearance applied ( administrative, discretionary, or otherwise ), nor does it explain why interest is accruing or whether this complies with federal student loan regulations. Additionally, the notice does not provide a detailed breakdown of how the interest is being calculated, applied, or capitalized. This lack of transparency prevents me from verifying the accuracy of the balances being reported. I have not been provided with sufficient documentation to validate : The calculation of accrued interest The terms and conditions of the current forbearance Whether interest accrual under this status is appropriate and compliant I am concerned that inaccurate or unverifiable information may be maintained or reported regarding this account. Under the Fair Credit Reporting Act, I have the right to dispute and request verification of any information that may be inaccurate or incomplete.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Incoming Calls from IC Systems to Cell Phone Date Time Length Conversation Details XX/XX/XXXX XXXX AM XXXX Informed Live Agent that this was NOT the person they were calling for number ; advised I am on a Do Not Call list ; demanded immediate cease and desist of all calls XX/XX/XXXX XXXX PM XXXX Missed call no voicemail left XX/XX/XXXX XXXX PM XXXX Missed call no voicemail left XX/XX/XXXX XXXX PM XXXX Missed call no voicemail left XX/XX/XXXX XXXX PM XXXX Missed call no voicemail left XX/XX/XXXX XXXX PM XXXX Missed call no voicemail left XX/XX/XXXX XXXX PM XXXX Missed call no voicemail left XX/XX/XXXX XXXX PM XXXX Said - Stop calling my cell phone! XX/XX/XXXX XXXX PM XXXX Informed live agent I had told them multiple times this is the wrong number and to cease and desist calling my cell phone XX/XX/XXXX XXXX PM XXXX Informed Live Agent I had told them multple times this is the wrong number and I am on a do not call list and to cease and desist calling my cell phone XX/XX/XXXX XXXX PM XXXX Missed call no voicemail left XX/XX/XXXX XXXX PM XXXX Informed live agent of multiple prior notices ; advised continued calls violate the law XX/XX/XXXX XXXX PM XXXX Missed call no voicemail left XX/XX/XXXX XXXX AM XXXX Informed live agent of repeated prior notices ( wrong number, Do Not Call ) ; demanded cease all calls ; advised documenting for XXXX violations

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 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Had ID thief at XXXX XXXX stealing money. Moved to Chime XX/XX/XXXX. Very first statement had XXXX XXXX XXXX {$540.00} XXXX, and hundreds in XXXX charges THAT I DIDN'T MAKE, with accounts made with my information. Chime refunded ALL OF IT, over {$900.00}. Never did again. Told them XXXX times to NEVER PAY THESE THINGS THEY'RE FRAUD - THEY NEVER STOPPED. PAID XXXX UP UNTIL XX/XX/XXXX, SENT THIEF CREDIT ( {$2000.00} ) FROM MY ACCT. I SAW EMAIL. ASKED HER IF SHE'D LIKE MORE. WERE XXXX XXXX CHARGES IN XX/XX/XXXX. UNTIL ID THIEF KNEW I WAS CALLING THE XXXX. SHE CLOSED XXXX ACCOUNT. Have not seen a statement other than XXXX since mid XXXX. Am TOTALLY BLOCKED OUT OF ACCOUNT BECAUSE I'D THIEF CHANGED PASSWORD. THEY HAVE NEVER, EVER GIVEN ME FRAUD DEPARTMENT. They hang up on me. Lie say they're fraud dept, pass phone around and lie. Tell me to " go around XXXX XXXX and ask people to join Chime then you can get money '', " your username email and password should XXXX -change your email to match ( unknown ) password. Called me to tell me someone in Florida tried to buy pet food at a XXXX store WITH HARD COPY OF MY DEBIT CARD. ADMITTED THAT'S FRAUD. STILL NO FRAUD DEPARTMENT. I asked yesterday what city in Florida as thief has family there. WOULD NOT TELL ME UNLESS I KNEW TOTAL OF ATTEMPTED PET FOOD PURCHASE. OF COURSE I DON'T KNOW. WILL DO ANYTHING, I MEAN ANYTHING TO XXXX WITH ME. When I ask about " Secured Account '' they GO SILENT. XXXX, XXXX MINUTES AT A TIME TOTAL SILENCE. They tell me use their app to photograph my face and ID. IT DOESN'T WORK. IT'S NEVER WORKED. WILL NOT ALLOW REGULAR PHOTOS. HAVE BEGGED THEM TO PUT ME SOMEWHERE WITH ATTORNEY/NOTARY. TAKE MY FINGERPRINTS. ANYTHING. NO ANSWER. I have been seriously ill was hospitalised XXXX days. XXXX 's XXXX straight line from XXXX XXXX to this. Told Chime I need {$6.00} for XXXX meds, they WILL NOT HELP. HAVE NOT HAD ACCESS TO SINGLE CENT IN MONTHS. TOTAL TAKEOVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
The amortization schedule ( as an entire document for the life of my loan, not just a " calculator '' ) for my own loan is not available on the website https : //www.rocketmortgage.com/. Through website chat and phone call I repeatedly have requested it, been told that it is coming via email, but still have not received. ( Yes, I have checked my spam email. )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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