vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year>, XXXX unauthorized charges of {$99.00} each were made on my credit card for XXXX purchases through XXXX within approximately XXXX minutes. During these transactions, Barclays flagged the activity as potential fraud and sent me an alert. I contacted Barclays the same day and reported that I did not recognize the charges, and my card was cancelled. The charges were initially credited back to my account. However, the credits were later reversed after the bank determined the transactions were not fraudulent based on information indicating they came from my account. Barclays denied my claim stating that the transactions appeared legitimate because they were made from my account, with my name and card information. However, this does not address unauthorized access. In cases of account takeover, fraudulent transactions will appear to come from the legitimate account. After further investigation, I determined that my boyfriends email account had been compromised, and our XXXX accounts are linked. This resulted in unauthorized access to my account and use of my stored payment method without my permission. I also contacted XXXX and submitted an account recovery request. I was informed that they did not detect a compromise on my specific account. However, my boyfriends email account was compromised at the same time, and our XXXX accounts are linked. It appears that unauthorized access occurred through his account, which then allowed access to my linked account and stored payment method. This explains why the transactions appear to come from my account, even though I did not authorize them. I attempted to contact XXXX as instructed by Barclays, but I was unable to reach support by phone and their website directs unauthorized charge disputes back to the financial institution. I requested proof that I made the purchases and information showing how XXXX responded to the claim and what evidence was used to determine the transactions were authorized, but I have not received that documentation. The transaction pattern ( multiple identical high-value purchases within minutes ), along with Barclays own fraud alert during the transactions, indicates activity consistent with account takeover and not normal authorized use. I am requesting that Barclays properly investigate these transactions as unauthorized charges due to account compromise and remove the charges and any associated interest from my account.

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: CL Holdings LLC
State: NC

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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
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: The Receivable Management Services LLC
State: AL

Complaint narrative:
Validation of Debt Request - RECMGMT SRVC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX unauthorized transactions XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized transaction XXXX These charges are from XXXX XXXX and XXXX and I have never lived or visited there They are also suspicious back to back amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and improper account handling related to my auto loan ( Account ending in XXXX XXXX XXXX XXXX XXXXXXXX ). Although the account is currently reported as Current ; Paid as Agreed, it reflects historical XXXX delinquencies in XX/XX/XXXX and XX/XX/XXXX. These delinquencies are inaccurate and stem from actions taken by the lender without my authorization. Navy Federal Credit Union unilaterally altered the original terms of my loan, significantly increasing both the interest rate and my monthly payment by over {$300.00}. I did not sign or authorize any modification agreement, and no executed document exists bearing my signature to support these changes. A reasonable investigation should have required verification of a valid, signed modification agreement prior to reporting any delinquency. Reporting late payments based on unapproved and undocumented loan changes is misleading and may constitute violations of the Fair Credit Reporting Act ( FCRA ), including furnishing inaccurate information and failure to properly investigate disputed information. Requested Resolution : Immediate deletion of the reported XXXX delinquencies ( XX/XX/XXXX and XX/XX/XXXX ) from all credit reporting agencies Correction of account history to reflect accurate and authorized loan terms I am seeking a prompt and fair resolution to correct this matter.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX Collection bureau of Hudson valley XXXX XXXX XXXX XXXX, XXXX NY XXXX Subject : Request for Debt Validation Dear Sir or Madam, I am writing in response to a notice I received on [ insert date ] regarding an alleged debt. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following information : The amount of the alleged debt The name of the original creditor Documentation showing that I agreed to this debt Verification that your company is authorized to collect this debt A complete payment history, including any interest or fees added Until you provide proper validation, I request that you cease all collection activities and communication with me regarding this matter. If this debt has been reported to any credit reporting agency, please note that reporting inaccurate or unverified information may violate the Fair Credit Reporting Act ( FCRA ). I prefer to be contacted in writing at the address listed above. Sincerely XXXX XXXX

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: BTH Management
State: NC

Complaint narrative:
Validation of Debt Request - PLAZA SERV - XXXX XXXX XXXX XXXX XXXX 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 XXXX 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
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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJUST - XXXXXXXX XXXX XXXX XXXX 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 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
I am submitting a formal complaint regarding the reporting and collection of a medical account by Professional Collectors Corp that can not be substantiated by any party involved. The account in question is being reported as a medical collection associated with XXXX XXXX XXXX. Despite multiple disputes and direct attempts to verify this account, no entity has been able to produce documentation supporting the existence, balance, or lawful placement of this alleged debt. I contacted XXXX XXXX XXXX directly at ( XXXX ) XXXX as documented by attached call log. They informed me that : My insurance paid the account in full, and They no longer retain any records related to this visit, and Any contractual or billing records would have been handled through XXXX XXXX. I then contacted XXXX XXXX at ( XXXX ) XXXX, who explicitly stated that they do not possess or maintain records for XXXX XXXX XXXX accounts and could not provide any documentation related to this alleged debt. As a result, there is no provider, servicer, or entity able to produce : an itemized bill, dates of service, proof of any outstanding balance, or documentation showing that this account was ever placed with or assigned to Professional Collectors Corp . Despite this complete absence of documentation, Professional Collectors Corp continues to : report this account to consumer reporting agencies, verify the account as accurate during disputes, and maintain and update the balance. Additionally, this account has been used as the basis for multiple credit denials, causing measurable financial harm. Verification of a balance alone does not satisfy the requirements of a reasonable investigation under the Fair Credit Reporting Act. A furnisher must be able to substantiate the underlying obligation and demonstrate lawful authority to collect and report the debt. In this case : No original creditor can validate the account No documentation of assignment or placement exists No billing records exist No validation has been provided despite dispute This means the account is not verifiable and should not be reported. The furnisher has altered the tradeline in a way that misrepresents the original creditor and removes identifying information necessary to verify the account. The account now lists the collection agency as the original creditor, which is inaccurate and further demonstrates that the account can not be substantiated. Continuing to furnish and verify this account under these circumstances constitutes the reporting of inaccurate and unsubstantiated information.

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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I submitted a written dispute and request for validation to LVNV Funding LLC and Resurgent Capital Services pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In response, the company failed to provide proper validation of the alleged debts. Instead, they provided only internal account summaries and limited billing statement copies. These documents do not establish ownership, accuracy, or enforceability of the alleged debts. Specifically, LVNV / Resurgent failed to provide : Any chain of title or documentation showing transfer of ownership from the original creditor Any account-level assignment proving my specific accounts were included in a sale or transfer Any bill of sale or purchase agreement A full itemized accounting of the alleged balances, including principal, interest, fees, and adjustments Any proof of authorization or licensing to collect in Texas Any confirmation that the debts are within the statute of limitations Any documentation establishing their authority to report to credit bureaus Complete charge-off documentation or IRS Form 1099-C ( if applicable ) Despite these deficiencies, the company continues to treat the debts as valid and has failed to resolve my dispute properly. Providing internal summaries and partial statements does not meet the legal standard for debt validation.

Company response to consumer: Closed with non-monetary relief
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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am writing to file a complaint against Huntington Mortgage Co regarding an erroneous account reporting on my credit reports. The account number is XXXX, and it is currently listed as derogatory. This account information is incorrect and has significantly impacted my credit scores across all major credit bureaus : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since XX/XX/year>, I have taken steps to rectify this issue by filing disputes with each credit bureau. Specifically, I submitted disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Each time, the disputes were categorized as 'Incorrect Details ( autoblast ), ' yet the incorrect information remains unchanged, indicating a failure to accurately investigate and rectify the reported error. The continued reporting of this derogatory account has caused financial harm by lowering my credit scores, which restricts my access to favorable credit terms and opportunities. This situation may also violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit information be accurate and up-to-date, and requires creditors to conduct reasonable investigations into disputed information. I am seeking the complete removal of this incorrect account from my credit reports with XXXX XXXX, and XXXX. This correction is crucial to restoring my creditworthiness and ensuring that my credit profile accurately reflects my financial status. I expect Huntington Mortgage Co to address this matter promptly and to follow the legal obligations set forth by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SF VAGO, LLC
State: FL

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 XXXX XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MA

Complaint narrative:
I have been placed into administrative forbearance as a result of federal processing delays and policy transitions. This status was imposed without my request or consent. Despite this, interest continues to accrue, and I have been advised that these months may not qualify toward Public Service Loan Forgiveness ( PSLF ) absent future discretionary adjustments. This situation is fundamentally inequitable. I am being financially harmed through interest accrual while simultaneously being denied clear credit toward PSLF for months during which I would otherwise be making qualifying payments. Borrowers should not bear the consequences of administrative or governmental delays. The current handling of my account creates material financial harm, lacks transparency, and undermines the statutory purpose of PSLF.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NE

Complaint narrative:
My loans were transferred from Great Lakes to Nelnet. In XXXX, I submitted a completed application for loan forgiveness, including all required employer certification forms. I received no confirmation, status update, or determination. Upon follow-up, I was instructed to reapply and restart the process. I was never notified of any deficiency in my original submission. This reflects a failure to properly process or respond to my application.

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

Complaint narrative:
I filed a complaint with the CFPB in XX/XX/year> regarding this account, which Synchrony Bank investigated and closed. Synchrony concluded that the charges were valid and that the account was accurately reported. Following that determination, Synchrony Bank has continued to report this account to the credit bureaus. The reported balance can not be reconciled to the underlying transactions and includes charges for returned or cancelled items without corresponding credits. Since that time, Synchrony has continued to report the same underlying balance while referencing different account numbers in its correspondence, without providing any transaction-level accounting. Documentation also indicates that certain refunds were issued, but corresponding credits are not reflected in the account. In XX/XX/year>, I sent a written request via certified mail seeking a transaction-level accounting of all charges and credits, including documentation supporting each charge, any applied or claimed refunds, and an explanation of how the reported balance was calculated. This correspondence was delivered, and Synchrony did not provide the requested information. Synchrony continues to report the account as valid and due without providing any transaction-level accounting or explanation of how the reported balance was determined. As a result, the information being reported can not be verified and does not accurately reflect the underlying transactions.

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