vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I am filing a consumer complaint regarding an unresolved money order refund involving Western Union and the XXXX XXXX  where I purchased the money order in XXXX. 

I purchased a money order in cash and followed all refund instructions provided by Western Union. Despite submitting all required documentation, I have not received my refund. 

I also filed a complaint with the XXXX XXXX XXXX XXXXXXXX failed to respond and later closed their internal case without issuing a refund or resolving the issue. I do not agree with this closure, as I am still out of my money. 

I am requesting assistance in obtaining my refund or a written explanation as to why it has not been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake financial changed my due date without notice and their is no way of contacting them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
In XX/XX/year>, I submitted a reconsideration request. In XX/XX/year>, I submitted a buyback request based on guidance provided on the Federal Student Aid website following the court injunctions. I subsequently enrolled in an IDR plan and made my final XXXX payments from XXXX through XX/XX/year>. 

Due to the government shutdown, my XX/XX/year> payment did not initially appear in my account. I contacted XXXX, and they resubmitted the proof of payment to Studentaid.gov. I contacted Studentaid.gov customer service on three occasions and was ultimately advised to submit a reconsideration. However, when I attempted to do so, the website indicated I could not submit a reconsideration due to an existing open buyback and reconsideration request. 

I contacted customer service again and was informed that there is no way to stop or close the pending process, despite it having been open for eight months. They told me to submit a feedback ( Complaint ) and the website is broken and can not take complaints. I have completed all 120 qualifying payments and request that my PSLF payment count be updated to reflect that. My employment has been validated. Please help, I am in an administrative red tape nightmare.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC
State: AA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX originated an FHA-insured refinance on the property located aXXXX XXXX XXXX XXXX XXXX following a XXXX XXXX  divorce, despite unresolved ownership and property interests that were not lawfully conveyed or disclosed at closing. Yet closing and recorded instruments reflected improper borrower and ownership disclosures, including removal of a spouses interest without lawful authority. In XX/XX/XXXX, the same FHA case was refinanced again through LoanDepot.com, LLC using FHA instruments, despite unresolved title and marital defects and execution of the security deed by only one party. 

HUD has now confirmed that FHA Case No. XXXX remained FHA-insured until payoff on XX/XX/XXXX, after which FHA involvement ended and a subsequent XX/XX/XXXX transaction was conventional. Despite this transition, defective assumptions created during the FHA loansincluding improper borrower authority and reliance on invalidly recorded instrumentswere carried forward and relied upon by CFPB-regulated actors, resulting in materially misleading closing disclosures, defective security instruments, and ongoing consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX EARLY WARNING SYSTEMS ATTN : CONSUMER RELATIONS XXXX XXXX XXXX XXXX XXXX, AZ XXXX I am a victim of identity theft. Multiple bank accounts were opened in my name without my knowledge, consent, or authorization. I did not apply for, approve, or benefit from these accounts. 

I have already filed an Identity Theft Report with the Federal Trade Commission, which I am attaching as proof. The information being reported by XXXX  and Early Warning Services is inaccurate and the result of fraud.

Despite notifying the reporting agencies, the fraudulent accounts remain on my consumer banking reports, causing harm and potential denial of legitimate banking services. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that all fraudulent accounts be blocked, deleted, and permanently removed from my file. I am also requesting written confirmation once the investigation is completed and the incorrect information has been corrected. 

I am asking the CFPB to assist in ensuring compliance and resolution of this matter as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of the repossession account listed on my credit report. ( SANTANDER BANK ) with the ammount of {$37000.00} I have reviewed my credit file and found this account to contain inaccurate and/or incomplete information. Specifically, the account does not accurately reflect the date of XXXX delinquency, current balance, and reporting status. Additionally, I am requesting verification that this account is being reported in full compliance with the Fair Credit Reporting Act. 

Please provide full documentation to verify : The original signed contract Proof of my liability for the alleged debt Accurate date of XXXX  delinquency Chain of custody and authority to report Complete payment history If you are unable to verify this information within the time period required by law, please delete this account from my credit report. 
PLEASE REMOVE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
A few months ago, the vehicle became inoperable. After taking it to a repair shop, we were advised that the cost of repairs exceeded the vehicles value. As a result, we notified the company of our intent to proceed with a voluntary repossession. 

Despite multiple requests, the company has failed to retrieve the vehicle. However, they continue to contact me by phone and email multiple times per week. At this point, this repeated contact constitutes harassment. I am requesting that the company retrieve the vehicle promptly and cease all further contact with me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: POWERPAY, LLC
State: NY

Complaint narrative:
The company is Powepay llc located In Pennsylvania originally the installment loan was opened at XXXX XXXX in XXXX ny I have copies of all punts made all of a sudden in XXXX they said I was laid I didnt pay attention and I paid full amount of XXXX so I should of been current this month the bill is saying we owe XXXX there saying late again!! I have tried numerous times to contact this company I have left messages and waited on line then after awhile it makes u leave a message no one ever picks up the phone they called back one time I picked up after 1st ring and it was a busy signal!! I have contacted XXXX XXXX  about this problem they say they cant help me I really need some help finding a solution before they cause so much debt we cant pay it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am currently XXXX XXXX stationed in Louisiana and would respectfully request to apply Louisiana SCRA to lower the interest rate

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 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Midland Credit Management ( MCM ) regarding inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Metro 2 Credit Reporting Resource Guide.

Creditor : Midland Credit ManagementAccount Number : XXXXReported Balance XXXX XXXX XXXXAccount Type : Debt BuyerDate Opened ( per report ) : XX/XX/year> Basis of Complaint Midland Credit Management is furnishing information to the credit reporting agencies that is inaccurate, incomplete, misleading, and not verifiable, as detailed below : Improper Date Opened ReportingThe account is reported as opened on XX/XX/year>. As a debt buyer, Midland Credit Management did not originate this account. Under Metro 2 guidelines and FCRA 1681s-2 ( a ), a debt buyer must not re-age an account or report a new date opened that misrepresents the original delinquency timeline. This reporting materially misleads users of the report.

Failure to Accurately Report Date of First Delinquency ( DOFD ) The tradeline fails to clearly and accurately reflect the original Date of First Delinquency as required under FCRA 1681c ( c ) and Metro 2 standards. Any omission or misrepresentation of DOFD unlawfully extends the reporting period and constitutes impermissible re-aging.

Inaccurate Payment History ReportingMidland Credit Management is reporting monthly collection statuses ( C ratings ) without evidence of a valid consumer obligation, contractual agreement, or documented payment history between myself and Midland. As a debt buyer, Midland can not fabricate a payment history that never existed, per Metro 2 compliance requirements.

Failure to Demonstrate Permissible Purpose and AccuracyMidland Credit ManagemenXXXX has not provided evidence of a valid assignment, chain of title, or contractual authority establishing their right to report this account. Furnishing unverifiable information violates FCRA 1681e ( b ), which requires maximum possible accuracy.

Requested Resolution I respectfully request that the CFPB require Midland Credit Management to : Conduct a lawful and complete investigation of this account Provide full documentation proving accuracy, ownership, and Metro 2 compliance Correct all inaccurate reporting immediately, or Delete the tradeline in its entirety if accuracy can not be fully substantiated Continued reporting of inaccurate or misleading information causes ongoing harm and constitutes willful noncompliance under the FCRA. 

Thank you for your assistance in this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint against Resurgent Capital Services and LVNV LLC for attempting to collect a debt without providing legally required validation under the fair debt collection practices act ( 15 U.S.C. 1692g ( b ) After a timely dispute, the company provide only an original creditor billing statement and failed to provide proof of ownership, chain of title, or authority to collect. 
Despite this failure, collection efforts and/or credit reporting have continued. I am requesting regulatory intervention, cessation of collection, and correction or deletion of any related credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I booked a non-refundable hotel stay through Capital One Travel for XXXX  XXXX XXXX in XXXX. 

Immediately after booking, I realized I selected the wrong dates. The hotel verbally approved moving the stay to new dates ( XX/XX/year> instead of XX/XX/year> ). Capital One escalated my request and later sent me XXXX written emails explicitly stating that my date amendment was approved and that the booking has now been updated. 

However, the reservation was never actually changed. 

Capital Ones travel portal still shows the original dates, and the hotel confirms they still see the original dates in their system. The hotel has also confirmed they have not received any modification or reissued booking from Capital One. 

I have contacted Capital One multiple times. Representatives repeatedly state the change is approved but also say they can not update the portal, can not provide proof of contacting the hotel, will not copy me on communications, and refuse to conduct a three-way call with the hotel. I am told to call back tomorrow, but nothing changes. 

Capital One is representing in writing that the booking was updated when it has not actually been reissued or delivered. I am concerned that if I travel on the new dates, the hotel will treat me as a no-show. 

I am requesting that Capital One either : properly reissue the reservation with the corrected dates and provide an updated confirmation number, or cancel and fully refund the booking since the approved amendment was never executed. 

I am simply asking them to complete the service they already confirmed in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am writing regarding an account listed under my name with your company, referenced as : Original Creditor : Jefferson Capital Systems LLC Reported Balance : {$1300.00} Date Opened : XX/XX/year> Account Status : Open / Placed for Collection I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, please provide : XXXX. The amount of the debt and an itemized accounting of all charges. 
XXXX. The name of the original creditor and any other information showing I am legally obligated to pay this debt. 
XXXX. Copies of any contracts, statements, or agreements bearing my signature that verify this debt. 
XXXX. Proof that you have the legal authority to collect this debt on behalf of Jefferson Capital Systems LLC. 

Until you provide the requested verification, you must cease all collection activities, including reporting this account to credit reporting agencies. 

Please send all correspondence regarding this request to the address listed above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
I am filing a complaint against Atlantic Recovery Solutions regarding coercive, misleading, and harassing debt collection practices. 

The collector contacted me about an alleged debt that was not appearing on my credit reports. During phone calls, representatives threatened legal action and implied that service papers would be delivered to my parents residence. The callers were rude, aggressive, and used intimidation to pressure me into immediate payment. 

I attempted to negotiate reasonable settlement offers, which were rejected. Under this pressure, I paid {$2100.00} on XX/XX/year>, which I could not afford, solely to stop the threats. 

After payment, I was told written documentation confirming settlement would be sent, but this never occurred despite follow-up calls. I have also continued to receive automated text messages stating my account needs to be settled, even though representatives later claimed my account was fine. 

This conduct appears to violate the Fair Debt Collection Practices Act, including harassment, misleading representations, and continued collection activity after payment. I am requesting regulatory review, written confirmation of a zero balance, cessation of all collection communications, and appropriate corrective action.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Today, this morning received an call and txt message from Shellpoint, saying I'm in foreclosure, first of all, but I made the payments they gave to you as well in the last case we had against Shellpoint, just in XXXX They also sent XXXX a certified letter in regards to the amount owed which, I paid, now they saying I'm in foreclosure, I also never gave them my work phone number that they called me in, I have requested for the past 15 years, this has never happened to me before they are breaking the Fair debt Act, he told me he was an attorney, and when I told him my mortgage was paid up to currently in ful and was going to report it to you he hung up I have my online banking which concurs to that and your threatening me now they hat I'm in foreclosure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have been a customer of Comenity Bank through a XXXX XXXX credit card program for the past seven ( 7 ) years. Over time, I experienced sudden and unexplained card reissuance, without my knowledge or consent. No card ( s ) were ever received. After contacting their fraud department, due to my card being declined at a merchant, their fraud reps had no reason or explanation why this occurred. I had great difficulty in dealing with their fraud department to obtain an actual replacement. I opted for paperless statements several ago. Regretfully, all 12 ( twelve ) statements currently published on line for XXXX  transactions, are from XXXX. Every single XXXX statement XXXXXXXX XXXX XXXXXXXX has my current address on it, when in fact, I did not even live in AZ until after XXXX, XXXX. My ending balance in XXXX  was less than {$2000.00}. My account currently shows a balance of over $ XXXX, and was recently closed entirely, without my knowledge or consent. I have no way to validate the {$8000.00} difference or transactions. Comenity Bank has been discriminatory / steering my purchases, by denying use of the card to certain merchants. It is their policy to replace a card, if a transaction is deemed invalid by me via text message, instead of just denying payment. I rejected a suspicious charge on XX/XX/XXXXXXXX  by responding to their text. The reply clearly states that a new card will therefore be issued. When the stated " replacement card '' was not received by me, I called on XX/XX/XXXXXXXX  to report non-receipt of my replacement card, only to be advised by customer service, that suddenly I have no account at all. Comenity Bank alleged that I called them on XX/XX/XXXX, and requested to close my account after 7 years of on time payments. I did NOT make any such phone call. This is identity fraud, and I requested they document this. How can a bank card be closed without secure validation, to include the SSN, D.O.B, etc. of the account holder. Comenity Bank appears to be highly unorganized and operates outside of legal banking requirements. Not having current statements and Transactions is deceptive practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Cbe group has gotten an account from XXXX  for XXXX. XXXX is from a device that XXXX  has and has had. Then they sent XXXX is for an internet bill that Cbe and XXXX XXXX XXXX  also has the same bill. XXXX  sold my account off to two different debt collection agencys

Company response to consumer: Closed with explanation