vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Complaint Against Navient Regarding Previously Paid Student Loan On XX/XX/XXXX, I received written notification from XXXX  ( ID # XXXX ) stating that my defaulted student loans were paid in full. Prior to that letter, my wages had been garnished to satisfy the debt. After the balance was satisfied, I also received a refund of overpayment dated XX/XX/XXXX. 

Despite this, I recently received a letter dated XX/XX/XXXX, from Navient claiming that I owe the original balance of this same student loan. This letter was sent to a different address than the one I had previously used. Stating " Why not use your Tax refund to Pay your student Loan ''. 

At the time my wages were being garnished by XXXX XXXX XXXX, there were also two other companies attempting to collect on this same debt, they are XXXX XXXX XXXX Navient, dated XX/XX/XXXX and XXXX XXXX XXXX XXXX : Creditor Navient- dated XXXX XXXX, XXXX. 

Additionally, XXXX confirmed in via letter that all defaulted loans were paid in full.XXXX XXXXXXXX, XXXX Based on the documentation I have : My wages were garnished to satisfy the debt. 
The debt was officially acknowledged as paid in full in XX/XX/XXXX. 
An overpayment refund was issued to me on XX/XX/XXXX. 
Multiple collection attempts occurred simultaneously while garnishment was already in place. 

This appears to be either a recordkeeping error or improper duplicate collection attempt on a debt that was already satisfied. 
I am requesting a full investigation and correction of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
My husband retired from his job in XXXX. 2025. So, we had a loss of income. Before he retired we applied for a home equity line of credit in XX/XX/year> but we were given a 20 year home equity loan with a high interest rate. For a year we have been struggling to make these payments. We have tired to refi our home with Rocket Mortgage twice with in this year. Once in XX/XX/year>, they said the interest rates were to high for us to refi the two loans. Secondly, in XX/XX/year>, they said the second loan would have to go to a 30 year loan and the refi wouldn't benefit us. From a different way, we tried to sell our home twice in XXXX and XXXX with no success. The value was to low and our debt was too high. We've gone to the Georgia Mortgage Assistance Program for help but Rocket Mortgage refuse to agree to second position. Now, rocket mortgage has done an annual escrow analysis on our account and they're estimating us with a shortage of {$2700.00} on our first mortgage which will make our martgage payments on the first and the second totally up to {$2300.00} on the first and {$740.00} on the second equaling {$3000.00}. This is only for our mortgage. Not including household utilities, car note, gas, food, and credit card bills which we're living off to survive. I feel that we have been set up for failure, foreclosure on our home, or bankruptcy where we can lose everything, and this company is not offering us any way lower interest rates or refinance options, and it's causing stress on our marriage. We're in desperate need of help!! 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: GA

Complaint narrative:
This company sent me an email about a debt that does not belong to me or anyone i know. They have this person 's name and debt details, very sensitive information and just shared it with me in the email. Very not okay and illegal. Debt collectors get away with so much, but this is inexcusable. I have the amount, his name, the end of the account and a login pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: TX

Complaint narrative:
On XX/XX/XXXX, while I was at work there were some charges made to my Chime account from XXXX XXXX for {$710.00}, My XXXX XXXX XXXX XXXX  {$56.00} and XXXX XXXX for {$8.00}, neither of these charges were made by myself. I immediately called Chime to open a dispute for all of these charges to start a investigation. The XXXX  {$56.00} and XXXX XXXX {$8.00} were both reversed and credited back to my account. However, all of the XXXX XXXX charges were denied to be credited back stating that these were made by myself. In which they were not. So XX/XX/XXXX I called Chime back to see the status on the charges. While I was on the phone with Chime whoever unlocked my card and tried to make transactions while I was on the phone with Chime. I asked the rep how they could do that and the response was that I needed to keep my cards locked. But they were locked ( explained this as well ) so they cancelled this card and sent me another card a couple of days later. In this process these charges were denied again by Chime stating that these charges were made by me and that I needed to get something from the Vendor stating that it was not me that made this transactions. This call was approximately almost hour and escladed to talking to supervisor. Which did not get too far but help uploading the police report to my disputes again. Supervisor stated that they would investigate this as well. Couple of days went by, me calling everyday and even giving my sister permission to speak with Chime thinking maybe I missed understood. These charges were denied as well, Chime stating that had investigated and found that these charges were mine all along. All during this time I had been trying to get a hold of XXXX XXXX in which you can only talk to them if you have account. I do not have account nor wanted one. So I have emailed every email address I could find for them with no results. Chime also stated they needed something from the Vendor stating that it was not me that made these charges. How can you do this if you don't have account? I have called Chime everyday and been on the phone for at least hour every time from XXXX through today XXXX. As of today XXXX they have finally opened backup the disputes and proceeded to let me know they are investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
Re : Request for Debt Validation To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am formally requesting validation of this alleged debt.

I dispute this debt in its entirety and request that you provide proper validation. Specifically, please provide : The name and address of the original creditor. 


The full account number associated with the alleged debt. 


A complete itemization of the amount claimed, including principal, interest, fees, and any other charges. 


Documentation bearing my signature that demonstrates I agreed to assume this debt. 


Proof that your company is legally authorized to collect this debt in my state. 


A copy of any assignment or transfer documents showing that your agency has the legal right to collect on this account. 


During the validation period, you must cease all collection activities, including reporting this account to any credit reporting agencies, until you provide the requested documentation. If this account has already been reported to any credit bureau, including XXXX XXXX XXXX XXXX and you can not provide proper validation, I expect the account to be promptly removed. 
If you fail to provide the requested validation, please confirm in writing that this account has been closed and that no further collection activity will occur. 
This letter is not an acknowledgment of liability for this alleged debt and does not constitute a refusal to pay. I reserve all rights under federal and state law. 
I expect your response within the time frame required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am attempting to obtain an official payoff quote and pay off my auto loan with Westlake Financial Services Account number : XXXX Phone : XXXX Email : XXXX Car : XXXXXXXX XXXX XXXX. I have made multiple attempts to contact the company by phone during their stated business hours but have been unable to reach a live representative. The automated system does not allow me to connect with a human agent to obtain a payoff amount. 

I am requesting : 1. An official 10-day payoff quote in writing.

2. Clear instructions on how to submit final payoff funds.

3. Written confirmation once the loan is paid in full.

4. Confirmation of title release procedures and timeline.

I am ready and willing to pay the full outstanding balance immediately. However, I am unable to complete the payoff due to lack of access to a live representative and inability to obtain accurate payoff information.

This delay is causing financial harm and unnecessary stress. I request prompt assistance and direct contact from Westlake Financial to resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am formally disputing inaccurate and unverified information being reported on my credit report.

The company is reporting a collection account that they have failed to properly verify pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.

I have sent a formal written dispute and affidavit requesting verification, including : Original signed contract Full accounting of the alleged debt Proof of legal authority to collect and report The company continues to report this account without providing proper verification.

This constitutes negligent and/or willful noncompliance under : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct reasonable reinvestigation 15 U.S.C. 1681s-2 Furnisher responsibility to provide accurate information Additionally, under Supreme Court precedent including XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2016 ), inaccurate credit reporting constitutes concrete harm. 
I am requesting immediate deletion of this inaccurate and unverified account from my credit report. 
If this matter is not resolved, I will pursue additional complaints with the FTC, OCC, FDIC, and seek further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request i validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

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 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the above-referenced collection account in the amount of approximately {$1900.00}, allegedly related to a lease that began in XX/XX/XXXX. 

At the time the lease began in XX/XX/XXXX, I was XXXX XXXX XXXX. My date of birth is XX/XX/XXXX, and I did not reach the age of XXXX until XX/XX/XXXX. As a minor at the time, I did not have the legal capacity to enter into a binding lease agreement. 

Additionally, I did not sign the lease agreement and was not a financially responsible party to the contract. I was listed only as an occupant and was not legally obligated under the lease. 

Because I was a minor and not a signer on the lease, I dispute any claim that I am financially responsible for this alleged debt. I request that you provide documentation bearing my signature that proves I was legally obligated under the lease agreement. 

If such documentation can not be provided, I request that this account be removed from my credit report immediately. 

Please complete your investigation and notify me of the results in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Im in school but its still reporting late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding excessive late fees being charged on my closed XXXX XXXX  credit card account issued by Comenity Bank. 

My account had a remaining balance of {$13.00}. I paid this balance in full, although the payment was XXXX days late. After making that payment, I believed my account was resolved and did not receive clear notification that additional late fees were continuing to accrue. 

Months later, I was informed that my balance had grown to over {$230.00} due entirely to late fees that continued to be added after the original balance was paid. 

I was not aware of this growing balance and was not given a fair opportunity to resolve it before it became excessive. Had I been aware, I would have immediately paid the amount. 

I contacted Comenity Bank and requested a goodwill adjustment and waiver of these fees, but they refused. I am now being told that this balance will be sent to collections within days. 

I believe these fees are excessive and unfair, especially considering the original balance was only {$13.00} and was paid. I acted in good faith to resolve my account.

I am requesting that Comenity Bank : Waive the excessive late fees Adjust the balance to {$0.00} Prevent the account from being sent to collections Ensure no negative information related to this matter is reported to my credit reports I am simply requesting a fair resolution and goodwill adjustment. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Fraudulent activity that I'm requesting to be removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ascendium Education Group
State: CA

Complaint narrative:
Complaint Against XXXX Regarding Previously Paid Student Loan On XX/XX/XXXX, I received written notification from Ascendium ( ID XXXX XXXXXXXX ) stating that my defaulted student loans were paid in full. Prior to that letter, my wages had been garnished to satisfy the debt. After the balance was satisfied, I also received a refund of overpayment dated XX/XX/XXXX. 

Despite this, I recently received a letter dated XX/XX/XXXX, from XXXX claiming that I owe the original balance of this same student loan. This letter was sent to a different address than the one I had previously used. Stating " Why not use your XXXX refund to Pay your student Loan ''. 

At the time my wages were being garnished by XXXX XXXX XXXX, there were also XXXX other companies attempting to collect on this same debt, they are Radius : Creditor XXXX, dated XX/XX/XXXX and XXXX XXXX XXXX XXXX : Creditor XXXX- dated XXXX XXXX, XXXX. 

Additionally, Ascendium confirmed in via letter that all defaulted loans were paid in XXXX XXXX, XXXX Based on the documentation I have : My wages were garnished to satisfy the debt. 
The debt was officially acknowledged as paid in full in XX/XX/XXXX. 
An overpayment refund was issued to me on XX/XX/XXXX. 
Multiple collection attempts occurred simultaneously while garnishment was already in place. 

This appears to be either a recordkeeping error or improper duplicate collection attempt on a debt that was already satisfied. 
I am requesting a full investigation and correction of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint regarding Resurgent Capital Services and LVNV Funding LLC attempting to collect on a fraudulent XXXX XXXX account that resulted from identity theft. 

This account was previously removed from all three credit reporting agencies after I filed a police report. I did not open or authorize this XXXX XXXX  account. 

I have now filed a Federal Trade Commission Identity Theft Report ( FTC Report XXXX XXXX and have documentation supporting that this account is fraudulent. 

Despite this, I received a collection notice dated XX/XX/XXXX, from Resurgent Capital Services attempting to collect {$4300.00}. 

Additionally, based on the information in their letter, the alleged debt appears to be time-barred under Californias XXXX-year statute of limitations for written contracts, as the account reflects activity from XXXX. 

I am requesting : Immediate cessation of all collection activity Written confirmation that the account is closed Assurance that no credit reporting or reinsertion will occur Documentation of the original signed contract if they claim this debt is valid This is a case of identity theft and improper collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I was a loyal customer with XXXX for over XXXX  years. I switched to XXXX XXXX XXXX in XXXX  and my XXXX remaining balance of {$670.00} was paid in full. After years of harassment, I went to a XXXX store and the gentleman who assisted me confirmed balance was paid in full and printed out a paid in full statement which XXXX  kept throughout the years. Every year around XXXX season, XXXX continuously sends a collection debt to the credit bureaus then remove it. Eventually sold the debt to a third party, XXXX. I did report this to XXXX  and XXXX but they would remove it then put in back in collections. 

XXXX filing a complaint as I have exhausted all efforts in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I had an XXXX  XXXX credit card and used it for XXXX  years. I paid the card off and had a XXXX balance on it. My credit card was stolen and used as fraud at XXXX XXXX. I didnt purchase anything. I contacted XXXX XXXX and told them its fraud and they sent me to collections. There not doing anything about this. And I keep getting calls from them everyday to pay the debit. But its not my debt. Every time I call they dont seem to speak English correct and dont know why Im taking about.

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 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm is inaccurately furnishing this account and illegally re-aging it. The loan charged off in XX/XX/XXXX, yet Affirm continues to report new monthly charge-off codes through XXXX, XXXX, and XXXX, even though there has been no activity, no payments, and no changes since XXXX. 

This makes the debt appear newer and more delinquent than it is, which violates FCRA 623 ( a ) ( 5 ) and the XXXX reporting rules under XXXX ( c ). The correct Date of First Delinquency should control the reporting period, not ongoing CO updates years later. 

I previously filed CFPB complaint XXXX XXXXXXXX in XXXX. Affirms response did not address the re-aging issue. They repeated basic loan details but ignored why they continue reporting fresh CO activity long after charge-off. This means they failed to conduct a reasonable reinvestigation under FCRA 623 ( b ). 

XXXX  and XXXX  both show ongoing CO codes for XXXX, XXXX, XXXX, and XXXX, falsely implying new derogatory events each month. This is not permitted once a loan is charged off. 

I am requesting that the CFPB require Affirm to : Delete the tradeline entirely if accurate reporting can not be ensured. 

This inaccurate reporting is harming my credit and preventing me from obtaining transportation and housing.

Company response to consumer: Closed with explanation