vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and conflicting reporting of my federal student loan status by MyEdDebt. My FAFSA records indicate that I am not in default ; however, MyEdDebt is reporting my loans as in default and has taken collection control. Additionally, there is a discrepancy with my legal name in federal systems, which appears to be contributing to the inconsistency. This conflicting reporting is actively preventing my ability to enroll in school and access federal financial aid. I have attempted to resolve this directly, but the issue remains unresolved. I am requesting immediate investigation, correction of any inaccurate reporting, and coordination with Federal Student Aid to ensure all systems reflect accurate and consistent information. This situation involves unfair and inaccurate reporting practices that are causing harm to my ability to access education. My federal student loan status is being reported inconsistently. My FAFSA indicates that I am not in default, while MyEdDebt is reporting my loans as in default and has placed them in collections. Additionally, there is a discrepancy with my legal name in the National Student Loan Data System ( NSLDS ), which appears to be contributing to the inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Subject : Inaccurate Credit Reporting During Forbearance and Loss Mitigation Newrez Mortgage Loan # XXXX Complaint : I am submitting this complaint regarding the credit reporting of my mortgage account serviced by Newrez. I was approved for a formal forbearance plan from XX/XX/XXXX through XX/XX/XXXX due to a job loss. During this time, I was actively working with the servicer and complying with the terms of the forbearance. In late XX/XX/XXXX, I requested an extension and was advised to apply for loan modification. I was subsequently approved for a loan modification. I was explicitly informed by a Newrez representative that my next payment would not be due until XX/XX/XXXX. At that same time, my home was under contract for sale. I contacted Newrez and informed them of the pending sale and was told that if the home sold prior to the loan modification deadline, no further action would be required on my part. The property was successfully sold on XX/XX/XXXX, and the mortgage was paid in full. There was no short sale, deficiency, or loss to the lender. Despite these facts, Newrez has reported my account as XXXX days delinquent. This reporting does not accurately reflect the status of my account during an approved forbearance period and while I was actively engaged in a loss mitigation process, nor does it reflect the guidance I was given that no payment was due. I believe this reporting may be inconsistent with federal guidance regarding credit reporting during forbearance and while loss mitigation options are in process. Specifically, I was under the understanding that my account was not considered delinquent while in approved forbearance and while following servicer instructions. I am requesting Newrez : XXXX. Conduct a full review of the account reporting during the forbearance and loss mitigation period XXXX. Correct or remove the XXXX delinquency from all credit reporting agencies XXXX. Provide documentation supporting how the delinquency was calculated and reported during this timeframe This situation has had a significant negative impact on my ability to secure housing, despite the loan being paid in full of no loss to the servicer. I appreciate your assistance in ensuring accurate and fair credit reporting

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed 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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I do not owe any debit and have requested everything be sent in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo refused to respond to the high monthly payment and a high APR they could change it but they don't want to so I'm going to have to keep filing complaints made with the FDIC until I get a better response they're threatening to close my account or freeze my account just because I'm making complaints about this company I have been with this company for years making on Time payments they don't reward their customers at all and they don't try to help at all so I might have to report them to the FDIC

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 2026-03-30 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: CA

Complaint narrative:
I applied for a XXXX credit card back in XX/XX/year>. I never received the card and was sent a notice that I was behind on my payment after 60 days. Additionally, someone hacked in my account and changed my contact information and maxed out the card without my knowledge and consent. I have submitted a formal notice to Capital One but they are intentionally creating roadblocks in resolving my issue despite me having submitted all of the documentation. As a result, my credit score is now significantly lower than what it was and I've had to take a number of actions to freeze my credit creating undue stress on my life. Capital One is negligent due to gross incompetence and lack of security check and is now causing undue delay and stress in resolving this matter. If this is not resolved in a timely and satisfactory fashion, I will escalate and pursue legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
A letter was sent to my address without my name and with an account number that was incorrect by Radius Global Solutions LLC, I sent an email to the debt collector as this was one of the options on the letter and I have not received a response. I am up to date on my XXXXXXXX XXXX XXXX payments and the alleged debt is not mine, I believe this is fraudulent.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During the month of XXXX I applied for a business line of credit or loan at Chase bank in XXXX XXXX California. They denied me then I asked for redetermination and I presented them with Title 15 subsection 16-11, 15usc 1602 and 12 usc 1431 and they still refused I also applied for A loan at XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I dont have the initial date. I received my miles and more Barclays card and needed to spend XXXX dollars to get XXXX points. I tried to use it once activated and it was declined. They stated it was a fraudulent charge and I needed to call them. They then stated I needed to send them my Social Security card front and back, my drivers license front and back and another simple form of Id like utility bill with name and address. I refused to send in my PII with risk of ID theft. I told them to cancel the card and they wouldnt without that info. I requested a manager and they stated they could only do a manager callback. Of course when they call me I am busy and cant answer. They then give me the generic XXXX #. I did talk to a manager in XX/XX/year> and she stated after 90 or 120 days with no use it would auto close and they would refund my fee since I was never able to use the card. That has still not happened. I had called them another time and same joke with the manager callback. I want my account closed and my money refunded. I am a XXXX XXXX and would be fired if I took or asked for that info to be delivered not I no person. I had my XXXX card stolen and all XXXX did was cancel the card dispute the charges and mail me another one.

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 monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The company said that has a contract with my social security number and signed for me. However, I never shared with them my social security number. They are lying and pressuring me to pay an amount that I don't recognize. I dont know how they got my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I am disputing a debt reported by CBE Group that is completely inaccurate and originates from an error made by XXXX. I canceled my XXXX service at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and started service at XXXX XXXX XXXX XXXX, XXXX, FL XXXX in XX/XX/XXXX. On XX/XX/XXXX, I returned all equipment from the XXXX address to the XXXX XXXX in XXXX. This return was confirmed directly with XXXX on XX/XX/XXXX at XXXX XXXX EST. Despite this, XXXX continued billing the closed account : XX/XX/XXXX : {$59.00} XXXX through XX/XX/XXXX : {$74.00} per month Total billed in error : {$430.00} Additionally, CBE Group is reporting a supposed outstanding balance from XXXX through XX/XX/XXXX of {$240.00}, which is entirely invalid. This situation has led to inaccurate reporting to credit bureaus and improper debt collection attempts. I have attempted to resolve this with both XXXX and CBE Group directly, but the issue has not been corrected. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am legally entitled to dispute inaccurate information and have it corrected or removed. I request that CBE Group : 1.Validate the debt with accurate documentation. 2.Immediately cease reporting this account if it can not be verified. 3.Correct or delete any inaccurate information. I am seeking the CFPBs assistance in ensuring this matter is resolved promptly and that my credit record is accurately reflected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital SYST has tried to collect a debt of XXXX $ that I have no knowledge oh I have tried to dispute this with the lender or the debt buyer accusing me of this debit I have no knowledge or legitimacy of and they have dont nothing to prove the information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am filing a complaint regarding an inaccurate and improperly reported collection account associated with XXXX XXXX XXXX ( XXXX ) and Columbia Debt Recovery LLC ( Genesis ). This account is invalid and should never have been placed into collections. Timeline of events : On XX/XX/year>, I toured XXXX XXXX XXXX but was only shown a model unit, not the actual unit being offered. On XX/XX/year>, my application was approved for XXXX XXXX with an expected move-in date of XX/XX/year>. After approval, the property changed the move-in date multiple times and refused to allow inspection of the actual unit prior to lease signing. Because I could not verify the condition or availability of the unit, I declined to proceed and did not sign the lease. I never took possession of the unit and no tenancy was established. Despite this, XXXX XXXX retained funds and later attempted to issue a refund through XXXX ( XX/XX/year> ), which further confirms there was no valid balance owed. The refund expired on XX/XX/year>. Months later, Columbia Debt Recovery LLC ( Genesis ) attempted to collect {$160.00} on behalf of XXXX XXXX. This is inaccurate and improper for the following reasons : * No lease agreement was executed * No occupancy or possession of the unit occurred * The property failed to provide access to inspect the actual unit prior to lease signing * The property issued a refund, contradicting any claim of a balance due * No accounting or documentation has been provided supporting the alleged debt I have disputed this directly with the debt collector and provided supporting documentation. Despite this, the account has not been properly resolved. This situation reflects inaccurate debt reporting and improper collection activity. I am requesting the following resolution : 1. Immediate deletion of this account from all credit reporting agencies 2. Immediate cessation of all collection activity 3. Written confirmation that the balance is {$0.00} 4. A full investigation into why this account was placed into collections without a valid lease or occupancy 5. Correction of all records with both the debt collector and the original creditor If this matter is not resolved, I will pursue additional remedies under federal and California consumer protection laws. I have attached supporting documentation including : * Application approval * Cancellation communication * Payment records * Refund issuance via XXXX * Collection notice This debt is not valid and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: DE

Complaint narrative:
I am extremely concerned because this company appears to be violating my rights under federal law. Pursuant to 15 U.S.C. 1681s-2 ( a ), data furnishers are legally obligated to report only information that is accurate and complete. The reporting of unverifiable, misleading, or inaccurate information constitutes a serious violation of the Fair Credit Reporting Act and can not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Mortgage Complaint Background On XX/XX/year>, I purchased a home in XXXX, Texas, for {$150000.00}. Currently, I owe {$220000.00} to PHH Mortgage Company. Due to a lengthy hospitalization and becoming XXXX, I fell behind on my mortgage payments. I requested a loan modification but was informed that I was not eligible for another modification. I then asked for a forbearance and was told I was not eligible, but no clear explanation was provided. Bankruptcy Attempt During this period, I filed for bankruptcy in an effort to save my home. Unfortunately, I missed two payments, and the bankruptcy chapter was dismissed. As a result, the mortgage company would not grant a forbearance. The only option presented to me was to pay a re-instatement amount covering 14 missed payments at {$1900.00} each, which I can not afford at this time. Data Breach Incident While struggling to resolve these issues and save my home, I discovered that my personal data had been compromised by PHH Mortgage. I received a text message and two phone calls from a stranger who possessed all of my confidential information, including delinquent payment amounts, escrow details, my address, and my social security number. This individual requested a payment of {$1300.00} via XXXX XXXX or XXXX, claiming to be an employee of the mortgage company and using the name XXXX XXXX. After contacting PHH Mortgage to verify the existence of a hardship program and the identity of the employee, I was denied a forbearance and informed that there was no such employee working at the company. Despite my efforts, I am unable to obtain a forbearance, reverse mortgage, HELOC, or any assistance other than paying the re-instatement amount for my delinquent payments. I am seeking a solution to save my home and do not understand why I am ineligible for these options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
CARTER- YOUNG INC. XXXX XXXX, XXXX ( XXXX XXXX ) {$1000.00} CATER- YOUNG INC. XX/XX/XXXX XXXX XXXX ) {$1100.00} As of XX/XX/XXXX, a federal court vacated a CFPB rule that would have banned most medical debt from credit reports. The court found that the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., permits reporting coded medical debt. Currently, credit bureaus voluntarily exclude paid medical debt, debt under {$500.00}, or debt less than a year old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld System says I have an account that was placed in collections for {$640.00}. I called them to tell them I do not have any account with them. They asked for my phone number and said " no you don't have an account with us, you will have to take it up with your bank ''. My bank has nothing to do with it, but my credit is showing this as an account in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I was sued and not properly informed. I found out that the XXXX courts got alternative delivery proposal approved. They left a summons on my old address door that showed personal and loan information. The new resident got in touch with my old landlord and he got me in touch with them. then they lied to the courts when they did this to manipulate the courts for garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Navient {$80000.00} was wrong, didn't show my small payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Deer Creek Lending
State: CA

Complaint narrative:
On XX/XX/year>, I entered into an installment loan agreement ( Loan # XXXX ) with Deer Creek Lending, a tribal lender based in XXXX XXXX, CA. I borrowed {$2600.00} and was not made fully aware prior to signing that the Annual Percentage Rate on this loan was 515.67 %, resulting in a total repayment obligation of {$16000.00} more than six times the amount I borrowed. I am a California resident. Deer Creek Lending is not licensed by the California Department of Financial Protection and Innovation ( DFPI ) to make consumer loans in California. California law caps interest rates on consumer loans, and the 515.67 % APR charged by Deer Creek Lending far exceeds what is legally permissible under California law. The loan agreement contains a mandatory arbitration clause that waives my right to sue in court, participate in a class action, or have a jury trial. It also invokes tribal sovereign immunity to shield the lender from state and federal consumer protection laws. These provisions were buried in a lengthy electronic agreement and presented to me on a take-it-or-leave-it basis with no meaningful opportunity to negotiate. The agreement authorized Deer Creek Lending to make recurring ACH debits directly from my XXXX XXXX XXXX checking account. I have since revoked this authorization in writing, dated XX/XX/year>, and notified both Deer Creek Lending and my bank. I believe Deer Creek Lending has engaged in predatory and deceptive lending practices, including : 1. Charging an illegal interest rate of 515.67 % APR to a California resident without a valid California lending license. 2. Using a mandatory arbitration clause and sovereign immunity claims to unlawfully strip consumers of their legal rights. 3. Structuring the loan repayment to ensure the majority of payments go toward interest rather than principal, making it nearly impossible for borrowers to pay down the loan balance. 4. Requiring ACH debit authorization as a condition of the loan, in potential violation of federal law. I am requesting that the CFPB investigate Deer Creek Lending 's lending practices, take appropriate enforcement action, and help ensure that this loan is deemed unenforceable under applicable California and federal law.

Company response to consumer: Closed with explanation