vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WI

Complaint narrative:
On XX/XX/year> I purchased a set of automotive fuel injectors from XXXX using XXXX XXXX in XXXX. The total transaction amount was approximately {$700.00}, with installment charges of approximately {$170.00} each. The parts were advertised as XXXX XXXX XXXX and listed as compatible with my vehicle. The injectors were installed by a licensed mechanic. Immediately after installation the vehicle began experiencing drivability problems and diagnostic trouble code XXXX ( air-fuel ratio imbalance ). The mechanic rechecked the installation and confirmed there were no installation errors, wiring issues, or fuel leaks. Because engine control modules sometimes require time to adapt to new injectors, I was advised to drive the vehicle to allow the ECU to relearn fuel trims. I drove the vehicle for several months through many drive cycles, but the issue never resolved. Further diagnostics and research using the Mopar parts catalog with my XXXX confirmed that the injector revision sold by XXXX ( XXXX ) is obsolete and has been superseded by Mopar part number XXXX for my vehicle. Because the ECU calibration expects the newer injector revision, the older injector design is incompatible and caused the fuel imbalance issues. I contacted XXXX and provided documentation including my XXXX, manufacturer supersession information, and diagnostic data showing the injectors were incompatible. XXXX refused to provide a refund and would only offer a replacement with the same obsolete injector revision. On XX/XX/year> I attempted to dispute the transaction through XXXX. XXXX denied the dispute almost immediately, stating that the case was filed more than 30 days after delivery. Because the merchant refused to resolve the issue and XXXX declined the dispute, I filed a dispute with XXXX on XX/XX/year> for the XXXX XXXX in XXXX charges of approximately {$170.00} each. XXXX investigated the matter and issued a chargeback. The dispute was resolved in my favor and the merchants opportunity to challenge that decision expired. XXXX considers the investigation complete. Despite the final chargeback decision, XXXX later informed me that the XXXX in XXXX balance had been sent to a collection agency, Jefferson Capital Systems. XXXX stated that when XXXX issued the chargeback the funds were taken from XXXX rather than the merchant, so their system considers the XXXX in XXXX loan unpaid. This debt should not exist because the underlying transaction has already been resolved through a final chargeback and the merchandise sold was incompatible with my vehicle and not fit for its intended purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: CT

Complaint narrative:
This company is trying to collect a debt that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are some inaccurate accounts and and inquiries on my consumer report. I've listed in my dispute letter the accounts that were opened fraudulently. FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX - XXXX Account Name : XXXX XXXXXXXX - XXXX Account Name : XXXX - XXXX Account Name : XXXX XXXX - XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had an unauthorized transaction initiated in my checking account on XX/XX/XXXX for {$1800.00} that was delivered on XX/XX/XXXX. I called my bank when I discovered the error on XX/XX/XXXX before the transaction was delivered and I requested it be cancelled per their terms. They refused and allowed it to be delivered a few days later. I opened a dispute and they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Subject : Reporting of Unverified Debt and Failure to Provide Validation To Whom It May Concern, I am filing this complaint regarding several collection accounts that are currently being reported on my credit report without proper validation. The accounts are as follows : Aldous & Associates Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account I previously disputed these accounts and requested validation of the alleged debts. Under the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 611 ), a debt collector must provide proper documentation proving that the debt is valid and that they have the legal right to collect and report it. To date, I have not been provided with : A copy of the original signed agreement or contract A complete payment history showing how the balance was calculated Documentation proving the collection agency has been assigned the debt or has the legal authority to collect it Despite the lack of validation, these accounts continue to be reported to the credit reporting agencies. Reporting unverified debt is a violation of the Fair Credit Reporting Act. Because the collectors have failed to properly validate these debts, I am requesting that the following accounts be immediately removed from my credit report : Aldous & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these accounts can not be properly verified with supporting documentation, they should not be reported to the credit bureaus. I am requesting that the companies involved conduct a proper investigation and provide the requested documentation or delete the tradelines from all credit reporting agencies. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I am submitting a complaint regarding a federal student loan that appears on my account but was disbursed to a school I was not attending. On XX/XX/XXXX, a federal student loan in the amount of {$13000.00} was disbursed to the University of Oregon. I was not enrolled at the University of Oregon at that time and had not attended the institution since XX/XX/XXXX. I did not apply for, authorize, or receive these funds. Despite this, the loan remains on my account and I have been required to make payments toward it. I have paid approximately {$5000.00} toward this loan and still have an outstanding balance. I have attempted to resolve this issue through MOHELA and XXXX XXXX XXXX, including submitting False Certification and Forgery forms as instructed. My requests for correction were denied and the loan remains on my account. I am requesting that this loan be investigated and that any loan improperly attributed to my account be removed.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Dear Midland Credit Management, I am writing in response to your call dated XX/XX/year> regarding an alleged debt referenced above. I dispute the validity of this debt and demand that you provide full validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request that you provide, in writing : The exact amount of the alleged debt, including itemized fees, interest, and charges. The name and address of the original creditor. A copy of the original contract or agreement bearing my signature. Documentation showing that you are legally authorized to collect this debt. Any judgments or evidence that prove I am legally obligated to pay this debt. Until you provide proper validation, you are required by law to cease all collection activities, including reporting this debt to credit bureaus. Failure to comply may constitute a violation of the FDCPA, and I reserve the right to report such violations to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase had an XXXX XXXX offer that would give a {$120.00} credit after spending {$1500.00} on airline tickets. I added the offer to my credit card and purchase the tickets on XXXX, above the minimum spend. After a few weeks, I did not receive the credit. I called back 4 times between XXXX and XXXX and each time the representative told me to check back in a few weeks and they would escalate the claim. On the XXXX call the representative indicated to me that the issue was escalated, closed out, and I was notified on the previous ( 3rd called attempt ). I was not notified and the reason for the denial was because it didn't meet the following condition, " Offer valid on XXXX purchases only. '' I made the purchase on their website in USD but apparently the merchant transaction charged in the XXXX. There is no way of knowing how XXXX processes their payments. They are an international airline company and an intentional transaction is inherent to the their merchant type. Targeting a customer for an international airline offer and then denying it because the transaction was international is a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
While reviewing my credit reports, I discovered that an account had been opened in my name by EXETER FINANCE on XX/XX/year>, with a reported balance of {$19000.00}. I did not apply for, authorize, or benefit from this account, and I do not owe this debt. Upon reviewing my credit reports from all three major consumer reporting agencies, I also noticed that the spelling of my full name is incorrect. The correct spelling of my full name is XXXX XXXX XXXX XXXX. Additionally, the reports list addresses where I have never lived. Concerned about potential identity theft, I checked the XXXX data breach settlement website and confirmed that my personal information had been compromised in the large-scale XXXX breach . I also filed an identity theft report with the Federal Trade Commission ( FTC ). After discovering the fraudulent account, I disputed it and requested documentation from the company showing that I am responsible for the debt. Despite my dispute and identity theft report, the account continues to be reported to consumer reporting agencies, along with other inaccurate personal information. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX XXXX and XXXX credit reporting agencies block all of the fraudulent accounts, collections, and hard inquiries referenced in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I also request that all written confirmation regarding this CFPB complaint be sent to me via the email address I have provided. Finally, I am requesting deletion of this account and correction of my personal information on all consumer reporting agency files, and that all collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I leased a car in XXXX and was paying sales tax through my monthly lease payments. I then moved to XXXX, which requires sales tax to be paid upfront. I paid the required tax at the XXXX XXXX and submitted the form provided by them. I have called the company four times to resolve the issue. On my last call, I was told my submission was rejected, but the company refused to provide a reason. I also contacted the XXXX XXXX, who confirmed that the form I submitted is the correct legal form. I am seeking clarification on why my form was rejected and a resolution to ensure my payments are properly credited and no additional fees are assessed. Call/Email Log ( insert dates here ) : XX/XX/year> called company XX/XX/year> emailed & called XX/XX/year> - called company XX/XX/year> called company XX/XX/year> called company XX/XX/year> - called the company and then dealership for help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
I am being charged {$3500.00} on top of my auto loan for a warranty that was never active due to a lack of payment from either American Credit Acceptance or XXXX XXXXXXXX XXXX XXXXXXXX. One day I decided to look into my warranty ( the one I am being charged for but never was active ) because my XXXX XXXX XXXX started to give me issues, only to find out I do not have an active warranty because American Credit Acceptance or XXXX XXXX XXXX XXXXXXXX did not send the {$3500.00} to XXXX XXXX XXXX. XXXX XXXX sent notice to American Credit Acceptance and XXXX XXXX XXXX XXXXXXXX but neither responded to resolve the issue. I tried to reach out to the dealership only to find out they closed down and filed for bankruptcy. I found the owners number in my phone though and asked him about the situation and all he can do is blame American Credit acceptance. He then said either way there was nothing he could do because he got rid of all the files from the dealership. ( He since has opened a new location, different name ). My next step was to ask the credit company which they also said they had no recollection of the issue but also, they couldn't adjust my balance despite sending proof, all they said was that I could refinance the amount if I wanted to but that I was responsible for paying the whole amount regardless of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am requesting a formal review of my student loan account due to concerns that I was improperly steered into repeated forbearances instead of being informed about or placed into an income-driven repayment plan. While my loans were serviced by Navient, I contacted them seeking help with affordable repayment options. Instead of explaining income-driven repayment plans or helping me enroll in one, I was placed into multiple periods of forbearance. As a result, interest continued to accrue and my loan balance increased significantly. I later learned that income-driven repayment plans were available during that time and could have provided affordable monthly payments while preventing excessive interest growth. My loan was eventually transferred from Navient to XXXX. I am concerned that the handling of my account during Navients servicing period caused financial harm. I am requesting : A full review of my account history during the period Navient serviced my loans A determination of whether I was improperly steered into forbearance instead of income-driven repayment Any applicable corrections, payment adjustments, or relief available due to improper servicing practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: WI

Complaint narrative:
On XX/XX/2025 I was the victim of a sophisticated bank impersonation scam involving caller ID spoofing of Navy Federal Credit Unions official phone number ( XXXX ). The call lasted approximately XXXX minutes and the caller posed as a Navy Federal fraud representative. Following instructions that I believed were part of a legitimate fraud investigation since Navy Federal contacted me XXXX times within a month and a half prior to that date from that same number to inform me that my debit card XXXX had fraudulent charges and then my credit card. I transferred {$4900.00} through XXXX XXXX to what I was told was a XXXX debit card used to secure my funds. After receiving the last instruction regarding the debit card, the line went dead. I immediately called the number back and a representative of Navy Federal answered and said that they did not contact me. I immediately proceeded to report the fraud and request that the transaction be stopped. Despite my immediate reporting and multiple follow-up calls, the funds were still withdrawn from my account several days later. I believe the circumstances of this case, including caller ID spoofing, impersonation of the banks fraud department, and my immediate reporting of the fraud, warrant a full review of the handling and denial of my claim. I have been denied XXXX by Navy Federal Credit Union to refund my money and now need to escalate this to your department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau Re : Synchrony Bank Verizon Credit Card Account ( Ending XXXX ) Improper Payment Reversals and Inaccurate Credit Reporting To Whom It Concerns, I am submitting this complaint regarding Synchrony Banks handling of my Verizon credit card account ending in XXXX. For several years the account was maintained in good standing and paid in full each month. Beginning in or around XX/XX/XXXX, payments that were properly submitted and confirmed by Synchrony Bank began to be reversed without explanation. In several cases, payments were made directly with a Synchrony representative over the telephone. The representatives confirmed that the payments had been successfully processed, and I received email confirmations acknowledging receipt of those payments. Despite these confirmations, Synchrony later asserted that the payments had been reversed and assessed late fees and other charges. This includes when the account was closed with documentation of a negative balance in XX/XX/XXXX. To investigate the issue, I contacted my financial institution. My bank has provided written confirmation that : No payments were reversed by my bank Sufficient funds were available on each payment date No debit requests were rejected or returned This documentation demonstrates that the payment reversals did not originate from my bank. On XX/XX/XXXX, I sent Synchrony Bank a formal written dispute pursuant to the Fair Credit Reporting Act and the Fair Credit Billing Act. I included extensive documentation supporting my position. Synchrony Bank responded with a brief letter stating only that they believe their reporting is correct. They did not address the documentation provided and did not provide any explanation regarding how or why the payments were allegedly reversed. As a result of these unexplained reversals, Synchrony Bank may have furnished inaccurate negative information regarding this account to consumer reporting agencies including : XXXX XXXX XXXX I am requesting that Synchrony Bank be required to : Conduct a full investigation into the unexplained payment reversals. Provide a written accounting showing how each disputed payment was allegedly reversed. Correct the account history to accurately reflect payments made. Remove any inaccurate negative reporting furnished to consumer reporting agencies related to this account. I have retained documentation including payment confirmations, account statements, correspondence from Synchrony Bank, and written confirmation from my bank verifying that no payments were reversed by my institution. Thank you for your attention to this matter.

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 2026-03-10 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: Messerli & Kramer P.A.
State: WI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX A attorneys at law XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX filed a lawsuit against for credit card debt from XXXX XXXX card services. I went online and signed up for a payment to pay off the debt. My debt was {$1500.00} with XXXX XXXX. My payment plan was set up to pay off {$1600.00}. A total of XXXX months for a payment of XXXX. The court case was set for XXXX XXXX. Messerli & Kramer P.A didnt acknowledge the payment plan they I had arranged with them online and they judge ruled in their favor. The ruling was for the amount of XXXX to be paid in full or garnishment or seize or property for the payment. I paid the balance in full after the hearing on XX/XX/year>. I called and asked for the receipt of the transaction to Messerli & Kramer and they replied that they dont have a receipt for me yet. I have paid the balance in full of XXXX and still have not received anything saying the balance is paid off and the dismissed. Messerli & Kramer P.A didnt acknowledge my payment plan so cant I trust they will acknowledge my payment. I am being treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE INACCURATE AND DO NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief