vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: VA

Complaint narrative:
I am disputing a collection account reported by Cedars Business Services LLC. I previously disputed this account with the credit reporting agency. Despite my dispute, the account continues to be reported. 

On XX/XX/year>, I sent Cedars Business Services LLC a written debt validation request via certified mail. XXXX tracking confirms delivery to Cedars address in XXXX, California. 

To date, Cedars Business Services LLC has not provided any debt validation, including but not limited to the original creditor, a signed agreement or contract, itemized billing, or proof that I am legally obligated for the alleged debt. 

Despite the lack of validation from the furnisher, the credit reporting agency verified the account as accurate. I believe this verification was improper because the furnisher failed to provide the required validation after receiving my written request. 

I am requesting that this account be deleted from my credit report due to the furnishers failure to validate the debt and continued reporting of unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: GA

Complaint narrative:
I am submitting this complaint regarding a debt being reported and collected by this company that is inaccurate and has not been properly validated. 
I previously disputed this account and requested verification. To date, this company has failed to provide competent evidence that I authorized this account, including a signed contract, original application, or other documentation bearing my authorization. 
Despite the lack of proper validation, this account continues to be reported to consumer reporting agencies, causing ongoing harm. Additionally, the account appears to have been sold or transferred multiple times, further calling into question the accuracy and ownership of the alleged debt. 
Continued collection and reporting of an unverified and inaccurate debt constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting that this company either provide proper verification of this debt or cease collection and delete the account from all consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am disputing a debt being reported and collected by Portfolio Recovery Associates , LLC. 

On a prior date, I sent Portfolio Recovery Associates a written debt validation and dispute letter requesting lawful validation of the alleged debt, including documentation proving ownership, accuracy, and the right to collect. More than 15 days have passed, and no proper validation or documentary evidence has been provided. 
Despite the lack of validation, the company continues to report the account to consumer reporting agencies, causing ongoing harm to my credit profile. Reporting an unverified debt constitutes inaccurate and incomplete credit reporting. 
Portfolio Recovery Associates has failed to meet its obligations under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by continuing collection activity and credit reporting without providing lawful validation. 
I am requesting CFPB assistance to ensure compliance and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
b'I opened a bass pro XXXX XXXX XXXX in XXXX or XXXX XXXX\nXX/XX/XXXX I made 3 payments\nXXXX,XXXX,XXXX on my bank statement through ach trace numbers  \nClearly that was an overpayment  \nXX/XX/XXXX I paid XXXX plus XXXX  returns\nXX/XX/XXXX I paid XXXX w ~XXXX  in returns\nXX/XX/XXXX I paid XXXX with XXXX in returns\nXX/XX/XXXXI paid XXXX w XXXX in returns plus XXXX\nXX/XX/XXXX XXXX payment\nXX/XX/XXXX I paid XXXX\nXX/XX/XXXX I paid XXXX\nAll of these payments above show on my bank statement and I can verify \nI reported issues to the XXXX XXXX company in XX/XX/XXXX explaining that there was fraud and possible identity theft  \nI requested the account be closed and investigated  in XX/XX/XXXX  \nSo any interest, or fees included are null and void  the card was never used after that\nMy payments being extracted from my bank account were not showing correctly on the statements  \nI was issued a check in XX/XX/XXXX for the overpayment paid in XX/XX/XXXX  \nI closed the other XXXX XXXX card after paying it off and was issued a check for XXXX however that check was a fake check and after depositing it it disappeared and doesnt show up in my bank account  \n\nThe last purchase I made with the card was in XX/XX/XXXX for a XXXX couch purchased in XXXX  I never used the card again  \nThis is fraud  Im not sure why the company is charging so much interest  the terms were no interest for a year which I was still under opening the card in XXXX or XX/XX/XXXX  \nMy identity is fully compromised I have multiple issues to report besides this  I can verify my payment that XXXX has never sent me any documentation to counter my claims'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Company being complained about : XXXXXXXX XXXX XXXX Account number : XXXX Type of debt : Medical debt / collection Complaint Description I am disputing the accuracy and legitimacy of a medical collection account being reported by XXXX XXXX XXXX on my consumer credit report. 
Account details as reported : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Status : Collection account Past Due as of : XX/XX/XXXX This account is inaccurate, unverified, and improperly reported. I do not believe this debt has been validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 
I have not been provided with : A complete itemized medical bill Proof that XXXX XXXX XXXX has legal authority to collect this debt Proof that the amount reported is accurate after insurance billing and adjustments Evidence that proper notice and validation were provided before reporting Additionally, medical billing is complex and often involves delayed insurance payments, adjustments, or billing errors. Without full documentation and verification, this account should not be reported as a valid collection. 
Under the FCRA, all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. Under the FDCPA, a debt collector must cease collection activity until proper validation is provided when a debt is disputed. 
I am requesting that the CFPB require XXXX XXXX XXXX to : Provide full validation and documentation of this alleged debt, including itemization and proof of authority Investigate the accuracy of the reported balance Remove this account from my credit report if they can not fully verify it If XXXX XXXX XXXX can not substantiate this debt with proper documentation, it must be deleted from my credit file. 
I am requesting resolution through deletion of this account or full correction consistent with federal consumer protection laws.

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 2026-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: The CBE Group, Inc.
State: WY

Complaint narrative:
I am filing a complaint against CBE Group , Inc. regarding their continued attempts to collect an alleged debt. 

I dispute this debt and do not believe CBE Group has provided proper validation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite my dispute, CBE Group has continued collection activity.

CBE Group has failed to provide competent evidence that I owe this debt, including proof of the original creditor, a complete payment history, or documentation bearing my signature or authorization.

I believe CBE Groups actions constitute unfair and deceptive collection practices. I am requesting that CBE Group either provide full legal validation of this debt or cease collection efforts and remove any associated credit reporting.

I am requesting CFPB assistance to ensure compliance with federal consumer protection laws.This account is being reported inaccurately to consumer reporting agencies.

CBE Group continues repeated phone calls that I consider harassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
On or about XX/XX/year> I contacted Santander Consumer USA to pay the past-due balance and prevent repossession of my vehicle. I offered to bring the loan current or settle in full ; Santander refused and would not tell me the exact payoff amount. Within days, the vehicle was repossessed. 
Since the repossession, Santander has : Continued to report an outstanding balance on my credit file, but has never provided a final payoff statement or deficiency notice. 
Never sent the certificate of title, even though the loan originated more than XXXX years ago. 
Never provided the license plates that should have been mailed to me after registration. 
Failed to respond to my XX/XX/year> request for reinstatement or settlement terms. 
I have received no written notice of intent to sell, no post-sale accounting, and no explanation of how the claimed balance was calculated. These omissions violate 15 U.S.C. 1666 ( Truth in Lending Act ) and state UCC Article 9 requirements for notice and a commercially reasonable sale. I am requesting : A complete account history and itemized payoff statement. 
The immediate release of my title and plates. 
Deletion or correction of the unverified balance on my credit reports. 
A refund or credit for any amounts misapplied or unsupported by documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: CT

Complaint narrative:
I am a borrower enrolled in the XXXX XXXX XXXX XXXX ( XXXX ) program. My federal student loans are serviced by MOHELA. I consolidated my loans into a Direct Consolidation Loan on XX/XX/year>. 

Under Department of Education policy, borrowers who consolidate on or after XX/XX/year> are entitled to have qualifying XXXX payments made on their underlying Direct Loans credited to the new consolidation loan using a weighted average of those payments. 

Despite this, MOHELA and/or Federal Student Aid has failed to apply the required weighted-average XXXX  calculation to my consolidation loan. My XXXX payment count is incorrect and does not reflect the qualifying payment history from my Direct Loans that were included in the consolidation. 

MOHELA has not provided any written explanation showing how my XXXX count was calculated, which loans were included in the calculation, or whether the weighted-average methodology was used at all. As a result, I am being denied XXXX credit that I am legally entitled to receive. 

Because PSLF forgiveness is based on reaching 120 qualifying payments, this error materially harms my rights and could delay or prevent forgiveness even though I made qualifying payments while employed by qualifying public employers. 

I attached my loan consolidation ( which was approved after the XX/XX/year> date ) and my XXXX  forgviness ( both pre and post consolidation ).

Company response to consumer: Untimely response
Consumer complaint received 2026-01-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I applied for a 0 % offer that i received in the mail from USAA, I went to their website as instructed on the flyer. After filling out the application, their system, told me I had XXXX lift the freeze off my credit report, after I did this, I went back to the USAA site and was unable to get back into the app, I called the XXXX number and received a USAA rep that told me that i applied for the card that gives points, I told him I was only interest in the card at the 0 % through XX/XX/XXXX. He acknowledged that and indicated it was rectified. 
When I received the card it was the card that charges over 15 %. I called in and voiced my complaint. XXXX was told that the complaint would be investigate. i received to calls from USAA and I assume the USAA bank telling me my compliant was warrented, however they would not fix it. 
The deadline for the offer is XX/XX/XXXX. I went and reappled, only to be told I was turned down. 
This is a flagrant example of bait and switch. 
I was informed each time XXXX spoke to someone that all calls are recorded. If that is the caser all the proof is there. 

I originally applied XX/XX/XXXX or XXXX. I reapplied XX/XX/XXXX, well before the cutoff fot the flyer. MUST BE APPLIED BY XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: TX

Complaint narrative:
An account associated with Upgrade , Inc. ( also reported as XXXX XXXX ) appears on my credit reports that I did not open, authorize, or benefit from. 

The account was opened in XX/XX/XXXX with a reported balance of approximately {$1400.00}. Although the account later reflects a {$0.00} balance and closed status, it continues to report late payment history in XXXX, which is inaccurate and misleading for a closed, paid account. 

On XX/XX/XXXX, I submitted an identity theft claim to Upgrade , Inc. Upgrade acknowledged receipt of my claim and opened an investigation, requesting documentation to support that my personal information was used without my knowledge or consent. 

Despite this active identity theft investigation, the account continues to be furnished to consumer reporting agencies with derogatory information, including late payment status. The reporting is internally inconsistent, unverifiable, and does not reflect the true status of the account. 

I have disputed this account with the credit reporting agencies and am requesting that Upgrade , Inc. block or remove the account in accordance with the Fair Credit Reporting Act, including identity theft protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
The date is XX/XX/year> i owed XXXX for what???? WHo?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I state that I have tried correcting information on my credit report with no success. The agency has failed to provide any information regarding my disputes and do not fully investigate and does not provide method of verification for the accounts.

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 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding a debt being reported and collected by this company that is inaccurate and has not been properly validated. 
I previously disputed this account and requested verification. To date, this company has failed to provide competent evidence that I authorized this account, including a signed contract, original application, or other documentation bearing my authorization. 
Despite the lack of proper validation, this account continues to be reported to consumer reporting agencies, causing ongoing harm. Additionally, the account appears to have been sold or transferred multiple times, further calling into question the accuracy and ownership of the alleged debt. 
Continued collection and reporting of an unverified and inaccurate debt constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting that this company either provide proper verification of this debt or cease collection and delete the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
there are fraudulent accounts on my report that i am not aware of when i obtained my credit report there were accounts that was not mine on their i have tried to dispute and work with credit buraus there has been no solution i want the accounts removed blocked and deleted or pay violation fee

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
b'I cant open new bank accounts and want to know why'

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 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding a debt being reported and collected by this company that is inaccurate and has not been properly validated. 
I previously disputed this account and requested verification. To date, this company has failed to provide competent evidence that I authorized this account, including a signed contract, original application, or other documentation bearing my authorization. 
Despite the lack of proper validation, this account continues to be reported to consumer reporting agencies, causing ongoing harm. Additionally, the account appears to have been sold or transferred multiple times, further calling into question the accuracy and ownership of the alleged debt. 
Continued collection and reporting of an unverified and inaccurate debt constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting that this company either provide proper verification of this debt or cease collection and delete the account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
My family has been sending me text messages through phone, showing me that I have been in debt for the past year which I havent been doing anything that will bring me into being debt. The mail also claims that I was part of a XXXX XXXX XXXX  which I dont know what could have me be involved with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
disputed this account and requested full validation and verification of the alleged debt. Despite the account being under an active CFPB dispute, the debt collector continued to report and update the account to the credit bureaus, which caused ongoing damage to my credit.

During this process, the same account was deleted from XXXX, demonstrating that the information could not be consistently verified. However, the collector continued reporting the account to other credit bureaus, creating inaccurate and conflicting credit information.

I requested documentation proving ownership of the debt, accuracy of the balance, and confirmation that the account was being reported correctly during the dispute. The company failed to provide proper verification, yet continued reporting the account.

Reporting or updating a disputed account without proper verification violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Due to the continued reporting during an active dispute and the inconsistency across credit bureaus, I am requesting a full investigation and permanent deletion of this account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 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: CA

Complaint narrative:
The Navient Company transferred this loan to the XXXX servicer and than they changed the monthly payment amount from {$36.00} a month to {$210.00} a month in XX/XX/XXXX. I paid it until XX/XX/XXXX, but still paid in XX/XX/XXXX, Summer of XXXX was in summer school working and I just could not manage the payments in XXXX and put on forbearance, but the Loan was actually supposed to have been forgiven, I was a loan from when I went to XXXX XXXX XXXX University XXXX in XXXX. I graduated XX/XX/XXXX and my other loans were forgiven. I have this IDR form that was submitted they said I had to renew it, but I did in XX/XX/XXXX and in XX/XX/XXXX I called and updated everything over the phone with Navient. It is a real mess how they are handling my records.

Company response to consumer: Closed with explanation