vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

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, con tract, 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 2026-03-11 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: NC

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 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding Midwest Fidelity Services , LLC attempting to collect an alleged debt related to XXXX. After receiving a collection notice, I submitted a written request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). In response, Midwest Fidelity Services only provided a credit application document that appears to contain a XXXX digital signature that I dispute as mine. The company did not provide an account statement, itemization of charges, dates of services, payment history, or documentation verifying the alleged balance owed. When I informed them that I dispute the signature and requested proper documentation verifying the account and balance, the company responded by stating that they had fulfilled their validation requirements. In their response, they referenced that collectors are required to provide an account statement listing services, dates charges were incurred, and the amount owed. However, no such account statement was provided to me. The only document sent was the credit application. Despite my dispute and the lack of documentation verifying the debt, Midwest Fidelity Services continues attempting to collect the alleged debt. I am requesting that Midwest Fidelity Services : Provide proper documentation verifying the alleged debt, including an itemized account statement and proof of the balance owed. Provide documentation demonstrating that I am responsible for this debt. Cease collection activity until the debt is properly validated. If the company can not provide proper validation, I request that collection activity stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I submitted a Servicemembers Civil Relief Act ( SCRA ) request to Tower Loan on XX/XX/year> requesting the required interest rate reduction to 6 % for a loan account currently charging 31.71 % APR. The request included notification of XXXX XXXX military service. As of XX/XX/year>, the lender has not adjusted the interest rate or provided confirmation that the loan is being recalculated under SCRA protections. The account continues to show a 31.71 % APR. Under the Servicemembers Civil Relief Act, creditors are required to cap interest at 6 % for qualifying debts incurred prior to XXXX XXXX and must forgive any interest above that rate. I am requesting that the lender immediately review the account, apply the 6 % interest cap retroactively, and refund or credit any excess interest charged.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I received the attached letter dated XX/XX/XXXX from Country Door in XXXX, WI. The letter includes an account number. A sentence in the letter says " Due to a lack of activity on your Country Door Credit Account, it will soon be closed, and you'll lose access to your hard-earned credit limit of {$2000.00}. '' I have never requested or authorized a Credit Account with this company. I called the number on the letter on XX/XX/XXXX and asked who opened this Credit Account with them. They did not answer the question. Instead, they used the account number to look up the account and told me that I placed an order for something from them in XX/XX/XXXX. I explained that I did order something from them, but I paid for it with my XXXX XXXX XXXX card. I did not accept any offer of credit from them. I asked again how they opened the Credit Account without my consent, which is fraudulent. The response was that since I have no balance due to them, I have no account. I asked to talk to a supervisor, who said all the same things. When I told her that I must have an account, since the letter had an account number, said I had a Credit Account with them, and had a {$2000.00} credit limit, she again said that since there was no balance due, I didn't have an account. I asked her to immediately close the account, which she said she did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX closed XX/XX/XXXX with homeowners insurance Loan transferred from XXXX to Newrez XX/XX/XXXX No notice of required wind coverage until XX/XX/XXXX Coverage was immediately obtained and submitted Newrez is attempting to charge lender-placed insurance backdated to XX/XX/XXXX Request We request removal of lender-placed insurance charges because notice was not provided until XXXX and coverage was immediately obtained.

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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Re : Complaint Against American Express I am filing a complaint against American Express for allowing charges to continue after I paid the balance off, froze the account, instructed AmEx to stop all future charges, and then closed and replaced the account. Timeline : - XXXX XXXX, 2026 : I paid {$13000.00} to bring the balance to XXXX and froze the account. - XXXX XXXX, 2026 : I used the AmEx app chat and instructed AmEx to stop all future charges. - XXXX XXXX, 2026 : I called again, was told the account needed to be closed and replaced, agreed to that, and was told no further charges would go through. - Charges still posted after that. The old account now shows as canceled in the AmEx app, but it also shows continued activity, an outstanding balance, and a reduced credit limit of {$1300.00}. The app also shows {$440.00} in activity after XXXX XXXX, 2026. Attached screenshots show disputed transactions after payoff and after closure, including XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX Charging. I was later told that a separate merchant block for XXXX was needed, but that was never explained when I first asked AmEx to stop all future charges. My complaint is simple : after I paid the account off, froze it, revoked future authorization, and then agreed to close/replace it, these charges should not have continued. I request that American Express : XXXX. XXXX all disputed charges after XX/XX/year>, including all post-revocation and post-closure charges. XXXX. XXXX all related interest and fees. XXXX. Correct its records regarding the true closure/replacement date. XXXX Review and preserve the XX/XX/XXXX app chat, the XX/XX/XXXX call recording, internal notes, and records related to the freeze, recurring billing, merchant updater, merchant blocks, authorizations, settlements, and account-status changes. XXXX. Explain in writing why the canceled account still shows activity and a {$1300.00} credit limit. XXXX. Confirm in writing that no further charges tied to the old account or any recurring, card-on-file, updater, or similar process will be allowed. Supporting documents include screenshots showing the XXXX XXXX payment, disputed transactions, canceled account status, reduced credit limit, and post-Feb. XXXX activity. Sincerely, ________________________________ XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Theyre unable to provide a copy of my lease agreement and an optimized bill

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Loan Depot Loan # XXXX XXXX XXXX, Director XXXX XXXX, sent me a letter today ( attached ) indicating that the {$7300.00} in this escrow account was transferred to XXXX XXXX XXXX ( XXXX ) on XX/XX/year>. When I requested proof of this transfer today, Loan Depot advised me that indeed, the refund of the taxes was sent back by XXXX XXXX, but the date of refund was XX/XX/year> and there is no corresponding disbursement on my account to XXXX XXXX XXXX. There is merely a note in my account " sent to escrow '', but no disbursement. I asked Loan Depot for the Customer Activity Statement showing the refund and disbursement, but they said they couldn't provide that. I then called XXXX XXXX and left a message in his voicemail requesting this payment, and I called XXXX XXXX XXXX, to see if they had received any funds for my escrow. Despite XXXX XXXX saying this was sent to XXXX on XX/XX/year>, XXXX told me today they didn't receive any escrow funds until XX/XX/year>, and that the funds were only 40 % of the {$7300.00} he claimed were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Velocity Portfolio Group
State: FL

Complaint narrative:
I guess velocity investment old bought the debt and has been sending threathing information including lawsuits

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this formal complaint against Bank of America ( BofA ) regarding the abrupt closure of my business credit card account ( ending in XXXX ) and the subsequent wrongful XXXX of my earned rewards. Chronology of Events : Sudden Loss of Access : On XX/XX/year>, I suddenly found myself unable to log in to my online banking portal. No prior notice, email, or alert was provided by the bank regarding any account issues or pending closure. Denial of Service at Branch : I personally visited a Bank of America branch for assistance. I was informed that my account had been closed. Furthermore, the branch staff refused to print my recent credit card statements, stating they were unable to access them and directed me to request them via mail. Evidence of Rewards Balance : Upon eventually receiving my paper statement, I confirmed that as of XX/XX/year>, my rewards balance was XXXX points. Furthermore, my expenditures for XX/XX/year> totaled {$5800.00}. Based on these charges, my final rewards balance should be significantly higher than the XX/XX/XXXX figure, yet the bank has failed to provide a final accounting of these additional earned points. Bank 's Refusal to Resolve : I have made multiple phone calls to Bank of America. Each representative stated that they could not provide the final rewards balance nor allow me to redeem the points, claiming they have been forfeited to the bank. Basis of Complaint : Bank XXXX XXXX actions are unfair and deceptive. Seizing over {$2700.00} in earned financial assets without any prior notification or a grace period for redemption is a violation of fair banking practices. The banks refusal to honor the rewards earned from my {$5800.00} in XXXX spending further demonstrates a lack of transparency and a wrongful deprivation of business assets. Had the bank provided the standard XXXX notice of closure, I would have redeemed these rewards immediately.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
The CBE Group started calling me on XX/XX/XXXX, several times throughout the month of XXXX and twice in a row on the same day. This month they called on XXXX, XXXX, XXXX ; and XX/XX/XXXX. They never leave a message telling me who they are and why they are calling. This is harassment. I am paying my bills. The very fact they keep calling repeatedly without leaving a message sends up major red flags for scammers tactics. My cell provider has identified them as a spam and scammer calling. Every time they call I make sure their number is blocked and each attempt reported. The very fact that they never leave a message informing me of who they are and why they are calling is a scammers tactic. They need to cease and desist with harassing me. They havent even bothered to send a written letter informing me of anything. If they call again and do not inform me of anything by leaving a message XXXX seek out a pro bono attorney and sue them for harassment. I have enough stress in my life without them adding to it. I also suffer from XXXX and the stress they are causing could set off a XXXX. If that happens they will be paying for my hospitalization and loss of wages along with attorney fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Unfair and Illegal Collection Practices FDCPA Violation This collection agency has used deceptive and abusive practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They added a collection to my credit file without my consent or agreement. No contract was signed by both parties a requirement under contract law. They also failed to complete the required five-step validation process under the FDCPA. As a result, I am entitled to statutory damages of {$1000.00} per violation. Resolution Requested : I request immediate removal of this collection from all credit bureaus ( XXXX, XXXX, and XXXX ). Failure to comply XXXX result in legal escalation and a formal claim for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Duvera Billing Services, LLC
State: TN

Complaint narrative:
I received an email on XX/XX/year> from EasyPay asking for me to pay an unpaid debt. So I contacted by phone same day asking them to confirm what debt were they referring to. They mentioned that it was from a XXXX XXXX in Illinois. " XXXX XXXX XXXX '' which I never heard of. So I asked to dispute and was given the dispute department email address and sent the dispute email the same day requesting proof that I owe this debt. Days later on XX/XX/XXXX they still reached out again via email without any proof that I owe this debt. I replied back reminding them to not contact me until they provide proof of what I owe or even if the debt belongs to me. As of today XX/XX/XXXX, they once again reached out stating I owe this debt without any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I went to my account to check my balance and noticed that all my money was stolen from my account without my permission. I called immediately XX/XX/XXXX Sofi and put in a dispute for the bill pay charges from a XXXX credit card, XXXX XXXX XXXX XXXX XXXX XXXX. I received an email apologizing for this problem that someone would reach out to me, no one did. XX/XX/XXXX, was told that the dispute was denied because I had to go thru the security department after being transferred to 5 different agents due to the charges were XXXX XXXX. On XX/XX/XXXX I was referred to the banking department and was told that the refund would come in 5 to 7 business days. On Monday XX/XX/XXXX, was told that it is under investigation and someone will reach out to me. Sofi Loan department ran my credit the person who stole the money from my account also applied for a personal loan which Sofi ran my credit without my permission I didn't know what else to do her I am filing a complaint. The Police report is XXXX from the XXXX Police Department. The total money stolen from my Checking account is {$5300.00} & Savings account XXXX the Sofi has been horrible treating me as their customer and I still have no update as to what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
XXXX sold my account to XXXX on XX/XX/year>, XXXX, not XXXX, notified me of this change. My APR was increased to 36.99 %, I know for a fact it was higher than my old one, I am just unsure by how much, as the XXXX representative i talked to was unable to provide me with that information. maybe XXXX? I do know it was in the XXXX 's. But to my knowledge the new company is not allowed to raise your APR on your transferred balance, but only on new purchases, and I have made none. Speaking with XXXX was pointless, and they were unwilling to work with me. I did cite the legal clauses per federal credit card regulation to them, but they were unwilling to change my APR to my previous one. I intend to pay this off and cancel this card as soon as possible. Terrible company XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian , XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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