vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
We received a bill that we properly disputed from XXXX ( full email thread will be attached ) showing that the outstanding debt was not valid because we were not in town at the time of the suspected charge. We also provided documentation that we had properly paid all amounts due for boarding a pet around that same time. Despite correspondence showing that our debt was paid and the additional bill was in error the bill collection agency Synergetic Communications continues to post the debt as outstanding which has negatively affected our credit score since XXXX. We contacted both the veterinary hospital and the debt collector multiple times over the past 3 years with no resolution. At one point in time we were assured we would no longer receive communications and that the debt was shown as settled but it is still on the report and we received yet another communication about a month ago. This has been a nightmare to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Just days ago, my wife XXXX served as the executor of my late aunts estate in XXXX. After months of careful, responsible work to honor my aunts wishes, XXXX successfully closed the estate and obtained three cashiers checksone for each beneficiary : my cousin, my sister-in-law, and XXXX herself. These checks represented the final distribution of my aunts lifes savings, intended to support our newly established XXXX XXXX Account, which we opened here in XXXX XXXX to continue her legacy of helping others. ( We have attached the check stub for your review. ) On Sunday, upon our arrival from XXXX, we went straight to the Wells Fargo XXXX XXXX and deposited our check for {$110000.00} into that new XXXX XXXX Account. The teller assured usand the deposit slip clearly statedthat {$400.00} would be available immediately and the remaining {$110000.00} would be available the very next day, Tuesday, XX/XX/XXXX. We left the bank feeling relieved and grateful that this chapter was finally closing so we could move forward with purpose. That relief turned to confusion and then to outright anger. On Tuesday afternoon, we returned to the same branch to assist my sister-in-law with depositing her nearly identical cashiers check from the exact same issuing bank ( XXXX XXXX ). To our shock, not only were our funds still unavailable, but the branch staff could not even tell us why or provide a status. They simply said, Check back tomorrow. Today, Wednesday, XX/XX/XXXX, my sister-in-law confirmed that her funds are fully available and accessible. Ours, however, remain frozen. The story from the branch has now changed yet again : they claim the back office has placed a mysterious code on our check that triggers a XXXX hold. No onedespite multiple visits to the branch and lengthy calls with customer servicecan explain what that code is, why it was applied, or how to remove it. We have been told we have reached the limit of what can be done by phone and must now file a formal complaint. This is not just frustrating ; it is devastating. XXXX XXXX has already confirmed to us that Wells Fargo received the full {$110000.00} on Monday, XX/XX/XXXX. A nearly identical check from the same bank cleared without issue for my sister-in-law. Yet our fundsfunds that belong to our XXXX XXXX being held hostage while, in our view, the bank appears to be using them for its own benefit. The repeated changes in their story only deepen our distrust.

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 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Subject : Formal Dispute of Alleged Debt and Insufficient Validation To Whom It May Concern, I am writing in response to your recent communications regarding an alleged debt you claim I owe. I formally dispute this debt in its entirety. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I previously requested proper validation of this alleged obligation. In response, you provided only a billing statement. A billing statement alone does not constitute sufficient proof that I am legally responsible for this debt. To properly validate this debt, you must provide competent evidence establishing that : - I am the correct debtor, - I have a legal obligation to pay this debt, and- You have the legal authority to collect on this account. This includes, but is not limited to : - A copy of the original signed contract or agreement bearing my signature, - Documentation showing the full chain of assignment or ownership of the debt, - Complete account records, including transaction history, - Proof that your agency is authorized to collect in my state. Until such documentation is provided, you must cease all collection efforts on this account, as required by law. A bill alone is NOT proper validation Furthermore, reporting or continuing to report this unverified debt to any credit reporting agency may constitute a violation of the Fair Credit Reporting Act ( FCRA ). If this account has already been reported, I demand that it be immediately marked as disputed and, if proper validation can not be provided, removed entirely. Be advised that failure to comply with federal law may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, as well as potential legal action. This letter is not a refusal to pay, but a notice that your claim is disputed and must be validated. I expect your full compliance with the law. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
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: NY

Complaint narrative:
The mentioned company is violating my rights and have they have not provided me with validation Information. Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. I am under tremendous stress because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ) ; Data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
ERROR NO. XXXX FAILURE TO CONDUCT A REQUIRED REVIEW OF CURRENT INCOME AND FINANCIAL CIRCUMSTANCES BEFORE CLOSING MY FILE SPS closed my loss mitigation file on XX/XX/2026 citing a withdrawal of my assistance request. However, SPS failed XXXX conduct a current review of my financial file prior to taking this action. My income has changed significantly since my file was last reviewed and I am now able XXXX make the original loan payment which, my last review was a year ago under completely different financial circumstances. Under CFPB guidelines and Regulation XXXX ( XXXX XXXX XXXX ), servicers are required XXXX conduct a complete and current evaluation of a borrower 's financial circumstances before making loss mitigation determinations. A file review based on outdated income information does not constitute a complete review XXXX is therefore an error in the servicing of my loan. I am no longer in the same financial situation that led XXXX the original unemployment assistance application. My income has materially increased, XXXX I am now potentially eligible for loss mitigation programs other than the XXXX Unemployment Plan programs I was previously unable to qualify for due to my unemployment status. SPS has not reviewed my file in light of these changed circumstances. ERROR NO. XXXX FAILURE TO INFORM ME THAT WITHDRAWING FROM THE UNEMPLOYMENT PLAN WOULD RESULT IN CLOSURE OF ALL ASSISTANCE OPTIONS At no point was I informed verbally or in writing that withdrawing from the XXXX Unemployment/Special Forbearance Plan would result in the complete closure of my loss mitigation review XXXX render me unable XXXX apply for any other assistance program at that time. This failure XXXX disclose the consequences of a withdrawal constitutes an error under XXXX XXXX XXXX, which requires servicers XXXX maintain policies XXXX procedures that ensure borrowers are informed of available options and the consequences of their decisions. Had I been properly advised, I would not have withdrawn from the plan or would have simultaneously requested evaluation under another program based on my changed income. ERROR NO. XXXX FAILURE TO ALLOW RE-REVIEW BASED ON MATERIAL CHANGE IN FINANCIAL CIRCUMSTANCES The CFPB 's servicing rules provide that a borrower who has experienced a material change in financial circumstances must be given the opportunity XXXX be re-evaluated for loss mitigation options. My income has significantly increased since my original application, which constitutes a material change. SPS 's refusal XXXX re-open my file for review particularly in light of this change is an error in the servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am writing to formally dispute the handling of a balance transfer investigation into a delay that is causing me financial hardship. On XX/XX/year>, I initiated a balance transfer of {$2000.00} from my XXXX XXXX account XXXX my Barclays Bank account. As of today, XX/XX/year>, Barclays has not yet delivered the funds XXXX XXXX XXXX. I have contacted Barclays multiple times regarding this matter. Despite their repeated assurances that the payment has been processed, the funds have not been received by XXXX XXXX. Because of this delay XXXX the conflicting information provided by Barclays, I am now facing a " double balance '' situation where I am being charged interest XXXX potentially late fees by XXXX for a balance that should have been cleared over a month ago.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
XXXX Whom It Concerns, XXXX contacting you because an account with my information suddenly appeared in your system XXXX is now being reported XXXX the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity XXXX documentation. I am disputing this account XXXX requesting validation under the Fair Debt Collection Practices Act. This is not a refusal XXXX pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, XXXX that your company has the legal right XXXX collect or furnish the account. Right now, what you have provided is not enough for me XXXX confirm anything. XXXX properly review XXXX verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated XXXX how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized XXXX licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA XXXX XXXX XXXX. I am asking for these items because I want XXXX review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline XXXX be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. XXXX I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet has responded XXXX a previous complaint that was open of XXXX of XXXX paperwork was produced by Nelnet that was fabricated and inaccurate the name XXXX XXXX that was provided on the XXXX page document was said XXXX be my friend thats incorrect shes my mother address is also incorrect they claim i signed a forbearance with i have no knowledge of this or a wet signature by me also they claim that XXXX loans were issued in XXXX which is also incorrect what was these XXXX loans were for XXXX which institutions were they applied XXXX do they have a copy of the checks XXXX banking information that these checks were deposited into so it seems XXXX me that put together a document that is falsified with my name XXXX XXXX XXXX number in it. My speculation is this debt was brought from XXXX which is no longer in business XXXX any information that is incorrect on my credit report has XXXX be removed under the fair credit act. I want XXXX that I have power of attorney over my personal social security number that i can provide XXXX has been notarized by XXXX XXXX of XXXX. please have Nelnet removed this information from my credit report it is hindering my XXXX XXXX XXXX credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Date account opened : XX/XX/2022 Current Balance : XXXX Initial Credit Limit : XXXX I am filing a complaint regarding the reporting of a charged-off account by Capital One on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants and medical XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX has responded XXXX the verification with my personal information from XXXX XXXX XXXX system they have my personal health records XXXX my personal drivers license this is illegal XXXX a violation of my rights I mailed a cease and desist which has also been violated Unauthorized possession of medical information Possession/use of your drivers license XXXX privacy XXXX FDCPA violations Violation of a prior XXXX Michigan collection law XXXX. Unauthorized Possession of Protected Health Information Your possession XXXX use of medical information originating from XXXX XXXX XXXX XXXX constitutes a serious privacy violation under the Health Insurance Portability XXXX Accountability Act ( XXXX ), including but not limited to : XXXX XXXX XXXX Unauthorized use or disclosure of XXXX XXXX XXXX XXXX XXXX. XXXX Requirement of valid patient authorization for disclosure of XXXX XXXX XXXX. XXXX Requirement for covered entities XXXX business associates XXXX safeguard XXXX The documents you provided demonstrate that my medical information has been disclosed and transmitted outside the healthcare provider without my authorization, compromising my privacy rights. XXXX. Unlawful Possession of Personal Identity Documents Your possession XXXX transmission of my drivers license XXXX personal identity information constitutes possession of highly sensitive personal data. The acquisition and use of such information without lawful authorization raises serious concerns under : Michigan Identity Theft XXXX XXXX XXXX XXXX et seq. Michigan XXXX XXXX XXXX XXXX XXXX et seq. These statutes prohibit the improper acquisition, use, and dissemination of personal identifying information. XXXX. Violation of XXXX Notice Your organization was previously served with a XXXX and XXXX Notice directing you to stop all communication and collection activity regarding this matter. Your continued contact and correspondence after receipt of that notice constitutes violations of the Fair Debt Collection Practices Act, including : XXXXXXXX XXXX XXXX ( c ) Communication after written request to cease XXXX XXXX. XXXX Harassing or abusive conduct in connection with debt collection Your continued actions demonstrate disregard for federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marauder Corporation
State: NC

Complaint narrative:
I am formally disputing the validity XXXX reporting of the collection account referenced. I do not recall entering into any agreement or contractual relationship with the collection agency reporting this debt. Additionally, I was never properly notified of this account as required under the Fair Debt Collection Practices Act, including the required validation notice outlining the details of the debt XXXX my rights to dispute it. Furthermore, pursuant XXXX the Fair Credit Reporting Act, all information reported XXXX consumer reporting agencies must be accurate XXXX verifiable. At this time, this account has not been properly validated XXXX appears XXXX be inaccurate, incomplete, or unverifiable. Due XXXX the lack of proper notice XXXX failure XXXX provide validation of the alleged debt, I formally request a full investigation into this matter. If the account can not be properly verified, I request that it be immediately deleted from all consumer reporting agencies to ensure compliance with federal law.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC XXXX Resurgent Capital Services, L.P. regarding a disputed collection tradeline reported in the amount of {$510.00} under Reference ID XXXX. XXXX XX/XX/year> response identifies the account this way and states the current owner is LVNV Funding LLC. I disputed this alleged account XXXX requested competent documentation establishing the basis for the reporting XXXX the companys authority XXXX report XXXX collect. Instead of providing competent source documentation, XXXX sent an account summary that expressly states it was prepared by XXXX on behalf of LVNV Funding LLC XXXX is not a credit card or other account statement from the original creditor. I also disputed the tradeline through XXXX. XXXX 's re-investigation materials state that XXXX forwarded my dispute XXXX the furnisher electronically, the furnisher conducted its own investigation, XXXX XXXX then relied on the furnished electronic response. XXXX reported the account as verified or updated and identified the reporting source as LVNV Funding LLC XXXX of Resurgent Capital Services , L.P . This means the disputed tradeline was verified through furnisher-side internal records XXXX electronic certification rather than a reasonable investigation grounded in competent source documentation. The information continues XXXX appear on my consumer reports, including XXXX XXXX XXXX, even after my written disputes XXXX notice. The complaint packet XXXX exhibits I prepared reflect the dispute letter, certified-mail proof, Resurgent response, XXXX tradeline evidence for this same account and reference number. My complaint is that LVNV Funding LLC and Resurgent Capital Services continued furnishing disputed information XXXX caused or permitted the tradeline XXXX be verified or updated based on XXXX XXXX data instead of a reasonable investigation supported by competent documentation from the original source. No competent ownership documentation, original creditor statement establishing current reporting authority, or other reliable source proof sufficient XXXX resolve the dispute was provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
the car had XXXX XXXX, a refund should have been applied XXXX the balance. the lender failed XXXX apply this before selling the debt, the reported balance is inaccurate also its been more than XXXX years XXXX date of repossession

Company response to consumer: Closed with non-monetary relief