vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
am submitting a complaint regarding inaccurate credit reporting by two debt buyers currently reporting collection accounts on my credit report. The first account is being reported by XXXX XXXX XXXX XXXX in the amount of {$2000.00} with a reported date of XX/XX/XXXX. XXXX XXXX XXXX is not the original creditor and is acting as a debt purchaser. Because the company purchased the account after default, they must be able to provide documentation verifying their legal ownership of the account and the accuracy of the balance being reported. The second account is being reported by LVNV Funding LLC in the amount of {$2400.00} with a reported date of XX/XX/XXXX. LVNV Funding is also a debt buyer and did not originate the alleged account. In many cases LVNV Funding accounts are serviced by Resurgent Capital Services, which raises questions regarding the chain of assignment and authority to report the account. I have disputed the accuracy of these accounts and requested verification of the following : Documentation demonstrating legal ownership of the alleged debts The full chain of assignment from the original creditor to the current debt buyer Documentation showing how the reported balances were calculated The date of first delinquency and charge-off information from the original creditor Because these companies purchased the accounts after default, the information being reported must be fully verifiable and accurate under the Fair Credit Reporting Act. At this time the reporting of these accounts raises concerns regarding the completeness and accuracy of the information being furnished to consumer reporting agencies. If the companies can not provide documentation verifying the alleged debts and the balances being reported, the accounts should be removed from my credit report. I am requesting a formal investigation into the reporting of these accounts and correction or deletion of any information that can not be verified as accurate and complete. Additionally, I am requesting verification of the Date of First Delinquency associated with these accounts as reported to the credit reporting agencies. Because these accounts were purchased by debt buyers after default, the reporting entity must be able to document the original delinquency date from the original creditor. If the furnisher can not provide documentation verifying the Date of First Delinquency and the accuracy of the reporting timeline, the tradeline can not be considered compliant with the Fair Credit Reporting Act and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Iq Data International inc XXXX XXXX XXXX XXXX, WA XXXX To whom it may concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws ( 12 CFR Part 1006 - PART 1006 / 15 U.S. Code 1692g ). If you need to please contact the creditor to obtain verification of this alleged debt. Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days. Sincerely XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX

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: Struggling to pay your loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
Im filing a complaint due to a solar project and subsequent loan that has remained active even though the project was canceled over 6 months ago. In XXXX of 2025, I spoke to a door to door solar salesman from XXXX XXXX who was soliciting a solar project for my home. I expressed interest and he arranged the financing through Mosaic. Soon after, in XXXX, I canceled the project, and XXXX XXXX has acknowledged that the solar project itself was canceled. However, the loan associated with the solar project has never been properly canceled. There has been a sore lack of communication between XXXX XXXX and the lender. In XXXXXXXX of 2025, Solar Mosaic underwent bankruptcy and the company has not been responsive to my requests for cancelation. Solar Mosaic, which has been wrapped into Solar Servicing LLC, continues to treat the loan as active and continues to send me automated correspondence regarding the account. For nearly a year now, Ive repeatedly contacted XXXX XXXX requesting that they complete the necessary steps with the lender to unwind the loan tied to the canceled project. Despite confirming with me that the project was canceled, the loan has remained active. I have also called and emailed Mosaic Solar as well as Solar Servicing LLC numerous times. I have received no response from them via email, and agents over the phone simply point the finger at XXXX XXXX and say the company has not requested that the loan be canceled. Any time I attempt to reach XXXX XXXX, their support team has been wholly unhelpful in resolving this issue. This situation is causing ongoing harm and burden, including repeated lender contact and the risk of financial / credit consequences related to a loan for a project that was canceled and will not move forward. At this point, Im requesting assistance because the companies involved have not resolved the issue despite numerous attempts on my end to address it directly.

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: Security Credit Services, LLC
State: TX

Complaint narrative:
Validation of Debt Request - SECURITYCRED/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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I opened this account in XXXX XXXX was charged a fee in XX/XX/XXXX of $ XXXXI was told it would be a year before any fees would be charged and it was not {$75.00}. I only only had a credit limit of {$300.00}, so when the fee was charged it reduced it to {$220.00}. They billed it and cause this account to be overdrawn and reported it to the credit bureau as being late and over the limit, which was a lie and it was their fault.My score dropped XXXX points.I closed the account. I made a {$25.00} payment, My balance was {$280.00}. Well on XX/XX/XXXX I checked my balance and it had increased by $ XXXXI called the they had no explanation.They also promised to reverse the {$75.00}, which they fail to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I entered into an auto financing agreement through Westlake Financial Services and took possession of the vehicle. I had the vehicle for nearly a month before being notified that the contract was being cancelled because Westlake allegedly could not verify my employment. This explanation does not make sense based on the circumstances. My workplace operates Monday through Friday from XXXX AM to XXXX PM and has monitored phone lines throughout the day. I have no record of Westlake successfully attempting to contact my employer, nor was I contacted and asked to provide alternative documentation such as pay stubs, an employment verification letter, or an HR contact aside from what was already provided. Because Westlake failed to properly verify my employment before finalizing the financing, I was allowed to take possession of the vehicle and operate under the assumption that the financing was complete. Nearly a month later, I was informed that the contract was being cancelled, forcing me to unexpectedly search for new financing and deal with the significant inconvenience and disruption caused by this situation. It appears that Westlake either failed to properly attempt employment verification or relied on inaccurate or incomplete information before cancelling the contract after I had already taken possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I made a purchase using a separate but linked bank account for over {$200.00}. Order # XXXX company went ahead and took an additional $ XXXX out of my linked bank account without my permission or knowledge. This was done in two transactions. A {$71.00} & {$220.00}. I received the item, a refurbished XXXX guaranteed to be in excellent working condition and took it to the XXXX XXXX for them to transfer everything from my broken XXXX to this temp phone. I was told by them that they thought the phone was messed up and suggested to return the phone. Shortly thereafter I completed a survey and wrote honestly about what happened. I then tried logging onto my account and could not find my order making it impossible to file a claim or make a return. I contacted the company. They told me that I XXXX have had my account under a different email and to log out and try again. I did so however this time I was unable to log in at all. My account had been deleted. I then noticed the fraudulent transactions. I filed disputes with both banks. PayPal conducted their investigation and agreed that I should get my money back but that I needed to return the phone. I guess theyre not realizing that there is no phone associated with the charges. That is why they are fraudulent. I paid for the phone I received by using my main account not the PayPal account. They insisted that I send that phone back and just let my other back know and submit a tracking number to them. They then assured me that once I did that and submitted the tracking number I would get my money back. I never received any provisional credit, it was never even offered. I did mail out the phone against my better judgement and submitted a tracking number which I then submitted with a receipt as proof to PayPal and my other bank. This was submitted almost 2 weeks ago. My funds have not yet been returned. Now I am being told that the other company must tell them that they have received the product before they will issue me my money that they took. They continue to push back the resolution date. Now the date just says it that the resolution date has been extended until XXXX of XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Mortgage loan was scheduled to be closed on XX/XX/year> and they missed this deadline. No communication from the whatsoever. BOA employees are not responsive at all.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/year> Chime Bank close my account. Starting on XXXX XXXX calling chime bank. Explain that my home address has change, phone number, and email. Each time I call they tell me the back office will email to get my closeout check. Called XXXX times for my info to be changed. Everytime I call same result never changed and no notes in there system. As of XXXX XXXX not XXXX email. 90 days still nothing XXXX phone calls to change address nothing. The customer reps tell me will ger email within XXXX hours. Chime bank has not still change any info all everyone says that the back office will email you. The reps say they have no contact with the back office and no email for them. Feel Chime bank is lying and has cost me financial hardship. They wont send me a check. Behind on bills because of there customer relations. Chime bank hopes I stop calling so they can keep the money. Chime bank customer loyalty is worst ever dealt with Please dont use this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On approximately Tuesday, XX/XX/year>, my bank account with JPMorgan Chase was charged four overdraft fees of {$34.00} each, totaling {$130.00}. Today I contacted the bank and requested a review and refund of these charges. However, the bank refused to refund them, stating that I had already reached the maximum number of refunds allowed. I do not agree with this response, as it does not reflect a fair or reasonable review of my situation. These fees are excessive and create an unnecessary financial burden. I believe the bank did not properly evaluate my request in good faith. I respectfully request that this case be reviewed and that the {$130.00} in overdraft fees be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
On XX/XX/2026, I attempted to pay Midland Credit Management, the money owed for a company called XXXX XXXX for the amount of {$1000.00}. When I went on thier website and found my account, I was greeted with this pop up message : " Ineligible Account - This account in not eligible for online payment and may not contain current account information, please call the phone number at the bottom of the page. '' I called the number Listed- XXXXXXXX XXXX XXXX XXXX - XXXX. They told me I could pay with them and then the debt would be settled. On XX/XX/XXXX, that amount of XXXX came out of my bank account. It was a relief that I was getting caught up on past debt. On XX/XX/2026, Midland Credit Management, withdrew the same amount of XXXX. I had given them no authorization or the bank account number to do so. All information given was to XXXX XXXX XXXX XXXXXXXX. I have called Midland Credit Management and they said they would not speak to me regarding this topic and I would need to talk with XXXXXXXX XXXX XXXX XXXXXXXX. I have called and talked to 3 different people on recorded lines, who have all said different things about what happened but all said it would be returned. We are now two weeks out and I have received nothing. The last called I made yesterday, XX/XX/2026, told me I did not have the amount taken out twice, that I had one and the second was returned as insufficient funds. I said that was inaccurate as clearly my bank has taken it out under Midland Credit Management and one under XXXXXXXX XXXX XXXXXXXX. They asked for proof and I send an email with screenshots of my bank account and the monies that have been withdrawn from my account. After two weeks of hearing that they see I did have two funds, now they are claiming I do not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: NH

Complaint narrative:
I have contacted Kinum about a {$270.00} charge on my credit report. I have asked on 3 separate occasions over the last year for proof of debt. I have received no communication back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, Selene Finance drafted a Notice of Default and Intent to Accelerate letter. I received the letter on XX/XX/year>. The following payments of {$1900.00} were made on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Today, XX/XX/year> which is the last day to cure the default, I logged onto the website and it would not let me make another payment online. It told me I need to call XXXX. When I called XXXX his number I was given XXXX payment options : an AI payment option or the telephone payment option. In the traditional telephone payment option, I can not amend the amount to just the fees. It is asking for an entire mortgage payment. I have the remaining balance of {$920.00} to cure the default. I even tried to use the online chat to tell them specifically that I was trying to process my payment to cure the default on my loan. It then sent me to the " make a payment '' option which is now inactive on the website because I have future payments scheduled. They are making it impossible to pay my fees separately and cure the default. I don't want my house taken away from me over fees that I'm trying to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
There have been multiple charges that I have disputed on my debit card and they automatically denied it failed to contact the merchant and they based it upon my account history they allege that they investigated I disputed XXXX or XXXX charges not the full amount a portion thereof and they denied them all and only thing they sent me was my account history they did not contact the actual merchant and to my knowledge there required to contact the merchant

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: CAINE & WEINER COMPANY, INC.
State: FL

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

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