vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: 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 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My XXXX account was frozen for identity verification. I provided all requested documentation, and XXXX notified me that my identity has been successfully verified. However, despite passing verification, XXXX is now enforcing an additional 6-day hold before allowing me to access my funds. There is no legitimate security reason to continue holding my money after the verification requirement has been met. This delay is causing significant financial hardship as I rely on these funds for daily living expenses. I am requesting that the arbitrary 6-day waiting period be waived and my account be unfrozen immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX and signed up for XXXX to pay my original {$23000.00} student loan debt. I was XXXX XXXX XXXX XXXX XXXX XXXX and unable to find work XXXX XXXX XXXX XXXX for a year and a half. I am XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has put a lien debit of {$250000.00} onto my credit report and saying it is not coming off until my service date ends, which is XX/XX/year>. This debit report is causing severe hardship and is on all credit reports as a potentially negative account. This has turned into a horrible experience and ruining my credit all over {$23000.00}. I am complying with all request from XXXX, I'm working back at a XXXX XXXX but still have this hanging over my head ruining my credit.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reached out to XXXX and Experian and this is still showing up on my credit report. Experian XXXX Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand to Remove Inaccurate and Unverifiable Accounts Accounts in Question 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Dear Experian XXXX Department, I am disputing the accuracy of the two accounts listed above that appear on my Experian credit report. These accounts are not mine, and I am requesting their immediate deletion under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Both XXXX XXXX XXXX and XXXX XXXX XXXX have been subject to numerous federal lawsuits and consent orders for violating the FCRA and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), including inaccurate credit reporting and failure to properly verify debts. This history further undermines the credibility of the data they furnish. Under FCRA 611 ( 15 U.S.C. 1681i ), Experian must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Under FCRA 607 ( b ), you must maintain maximum possible accuracy. If Experian continues to report unverifiable or inaccurate items, this constitutes willful noncompliance under FCRA 616617 ( 15 U.S.C. 1681n1681o ).

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: AR

Complaint narrative:
There was a hard inquiry on my credit today by US BANK that I did not authorize.

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 non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: GA

Complaint narrative:
In XX/XX/2026 I applied for a VA Interest Rate Reduction Refinance Loan ( IRRRL ) with Mortgage Solutions Financial. The loan was approved on XX/XX/2026 with an expected closing date of XX/XX/2026. During the refinance process, there was confusion regarding whether my XX/XX/2026 mortgage payment needed to be made prior to closing. I repeatedly requested clarification from the loan officer regarding whether the XXXX payment could be skipped and whether the refinance closing would allow the first new payment to begin XX/XX/2026. Communication during this time was unclear and inconsistent, which created uncertainty regarding my payment obligations prior to closing and placed me at financial risk. Additionally, I attempted multiple times to contact the loan officer by phone to obtain clarification. My calls were not answered for an extended period. The loan officer did not respond until I indicated that I intended to escalate the matter due to the lack of communication. When the loan officer finally answered the call, the conversation was brief and the call was ended abruptly without providing the clarification that was requested. I attempted to resolve this issue directly with the company and later submitted a complaint. In their written response, the company acknowledged that there was confusion in communication regarding payment expectations during the refinance process. However, the response did not fully address the lack of clear guidance provided during the refinance process. I am submitting this complaint to request that the company review its communication practices and ensure that borrowers receive clear and accurate guidance regarding payment obligations and timely communication during the refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX a certified signature required debt validation letter that LVNV received and signed for on XX/XX/year> by XXXX XXXX after not receiving anything I disputed with CRA and they responded that LVNV stated the debt is accurate so I contacted LVNV to advise they didnt respond to my debt verification request the agent then stated it was mailed out I XXXX I asked to verify where it was mailed to and dispute having my correct address on the debt validation request they sent it to an incorrect address. It is there legal responsibility to assure they sent it to my listed address in the letter. The representative just said we will get this back out today to the correct address but it is now XXXX and they failed to uphold there responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I am unaware of these debt, I didn't have the opportunity to dispute these debt. I did not receive proper notification. If in fact u believe I did have the proper notification please provide the certified mail receipt with my signature on there stating I received it. Account XXXX : XXXX Date : XX/XX/year> Amount : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The above statement does not accurately reflect my established approach to financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Validation of Debt Request - XXXX 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 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 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 2026-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Illegal and fraudulent reporting on credit report regarding accounts and balances. Refusal to remove inaccuracies from credit report after being told it was removed. Past issues of excessive harassment from the company. Being lied to about repayment options when I was in active status. Please see attached documentation for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
The company called my husband and stated that we called and that I would come in to make a payment. When questioned about the lie they then changed their statement that the had called my place of employment and that they told them I would be into work later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
To Whom It May Concern, On XX/XX/year>, I received a mailed loan solicitation from OneMain Financial containing an offer code directing me to apply through the companys website. Following the instructions in the solicitation, I entered the offer code and completed the online application. As part of the process, I was required to submit personal information and authorize a credit inquiry. After my credit was accessed, the application portal displayed a message stating Youre approved, XXXX! and presented XXXX loan options : {$15000.00} unsecured loan {$30000.00} secured loan The page also indicated that final approval was conditional upon verification of identity, address, income, and expenses. Based on the options presented after the credit inquiry, I selected the {$15000.00} unsecured loan and continued with the application process, including linking my bank account as requested. At the conclusion of the online process, the system indicated that my application was under review. Shortly afterward, I received a phone call from a representative. After returning the call, I was informed that the only available option was the {$30000.00} secured loan. I explained to the representative that the application portal clearly presented both a {$15000.00} unsecured loan and a {$30000.00} secured loan option after my credit inquiry was performed, and that I had specifically selected the unsecured option. The representative stated she was unsure what I saw but maintained that no unsecured option was available. Because the {$15000.00} unsecured loan option was presented only after my credit was pulled and personal financial information was submitted, and was subsequently withdrawn without explanation, this situation raises concerns regarding potentially misleading lending practices. Such conduct may implicate Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibits unfair or deceptive acts or practices, as well as the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and Regulation Z ( 12 C.F.R. Part 1026 ), which require accurate disclosure of credit terms. I respectfully request clarification regarding : Why the {$15000.00} unsecured loan option was presented during the application process after the credit inquiry. Why that option was later withdrawn and replaced with only a secured loan offer. How the credit inquiry associated with this application will be reported to the credit bureaus. I would appreciate a written explanation of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: PA

Complaint narrative:
i filed disputes with XXXX and XXXX for a collection with Account resolution corporation stating that i had never entered into a contract with them and to validate the accuracy of this debt by providing the original document of the contract of account XXXX or remove this debt from my credit report no evidence of the validation was return but the debt remains

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
Validation of Debt Request - BOUNCE AI INC XXXX XXXX XXXX XXXX XXXX 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 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 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding repeated and improper attempts to collect an alleged debt associated with my former internet service account with XXXX. My service with XXXX was terminated in XX/XX/year>, and all equipment associated with the account was returned at that time. Despite this, XXXX generated an alleged balance and placed the account with a collection agency. Approximately 18 months ago, a collection account related to this alleged debt appeared on my credit report. I formally disputed the account with the credit reporting agencies. After investigation, the collection account was removed from my credit report. Approximately 12 months ago, I also formally disputed the debt directly with the collection agency in writing and instructed them to cease contacting me regarding this matter. I made it clear that the debt was not owed because the equipment had been returned and the account had been closed. Despite this history, the same alleged debt has now appeared again on my credit report through a different collection agency. This is now the third time I have been forced to address this matter. I dispute this alleged debt in its entirety. The repeated placement of this account with multiple collection agencies and the continued reporting of this disputed debt to consumer reporting agencies raises serious concerns regarding compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I believe XXXX is furnishing inaccurate information to credit reporting agencies and repeatedly placing a disputed and potentially invalid debt with third-party collectors. I also believe the collection agency is reporting a debt without proper verification or documentation. I am requesting that this matter be investigated immediately and that the alleged debt be permanently withdrawn from collections and removed from all consumer reporting agencies. I also request confirmation that XXXX has corrected its records and will not place this alleged debt with any future collection agencies. This matter has already required multiple disputes over an extended period of time, and I should not be forced to continually address the same inaccurate and disputed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kashable LLC
State: IN

Complaint narrative:
I obtained a payroll deduction installment loan from Kashable in XX/XX/year>. I was on approved medical leave when the loan began. A payroll deduction occurred on XX/XX/year>, but deductions then stopped while I remained on leave. When I returned to work, payroll deductions resumed in XX/XX/year> and have continued consistently. Despite this, Kashable reports my account as {$480.00} past due due to the missed payroll deductions during my leave period. I contacted Kashable and requested that the past due balance be added to my repayment schedule since the payment interruption occurred while I was on leave. I was told no hardship or adjustment options were available and that I must pay the full past due amount. Kashable also contacted a third party ( my father ) regarding my account. I am requesting review of my account and adjustment of the past due balance so my account can be brought current.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding a debt collection lawsuit filed against me by XXXX XXXX XXXX XXXX through their attorneys Rubin & Rothman , LLC in the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Special Civil Part ). I dispute the alleged debt in its entirety and believe the collection activity and lawsuit raise serious concerns regarding accuracy, documentation, and compliance with federal consumer protection laws. The complaint filed against me alleges that I entered into a credit agreement with XXXX and owe {$6500.00}. However, the documents served do not include adequate evidence that I entered into a legally enforceable contract with the plaintiff, nor do they include a complete chain of ownership, original signed agreement, or detailed accounting showing how the alleged balance was calculated. The complaint appears to rely on generic statements claiming that I entered into a credit agreement and failed to pay, but it does not provide sufficient documentation proving the existence of the contract, the specific account terms, or how the balance was determined. Additionally, I am concerned that the law firm may be attempting to collect a debt without proper validation and without providing sufficient documentation supporting the claim. This raises concerns regarding compliance with the Fair Debt Collection Practices Act and other applicable consumer protection laws. Because of these issues, I am requesting that the Consumer Financial Protection Bureau investigate the conduct of XXXX XXXX XXXX XXXX and Rubin & Rothman , LLC regarding : Failure to provide adequate validation of the alleged debt Filing litigation without sufficient documentation proving the claim Attempting to collect a disputed amount without proper verification Potential use of misleading or incomplete representations in the complaint I am requesting that the company provide : 1. A copy of the original signed credit agreement. 2. A complete payment history for the account. 3. A detailed breakdown explaining how the alleged balance of {$6500.00} was calculated. 4. Documentation proving Citibank has legal standing to sue and enforce the alleged debt. 5. Documentation proving the account was properly assigned if it was transferred or sold. Until this documentation is provided, I dispute the validity of the alleged debt and request that collection activity be reviewed for compliance with federal consumer protection laws. I respectfully request that the CFPB investigate this matter and require the company to provide full documentation validating the alleged 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