vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I submitted a PSLF buyback/reconsideration request to Federal Student Aid on XX/XX/year>. My most recent processed PSLF form ( XX/XX/year>XXXX ) shows 97 qualifying PSLF payments. After submitting the request, I received confirmation that it had been escalated and was under review. However, I was informed that there is currently a backlog and that no processing timeline can be provided. Since that time, I have not received any determination or substantive status update. Because the buyback determination will affect whether it is financially advisable to enter a repayment plan or complete a buyback payment, the delay is preventing me from making an informed repayment decision. I am currently in administrative forbearance related to the SAVE policy pause while waiting for the buyback determination. I have contacted Federal Student Aid to request a status update and timeline but have not been provided one. I am requesting assistance obtaining a determination or a clear processing timeline for the buyback request submitted on XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
I took this loan of XXXX back in XXXX of XXXX I made XXXX payment on XX/XX/XXXX XXXX payment on XX/XX/XXXX XXXX Payment failed and did not process XXXX payment was made on XX/XX/XXXX I have attempted several times to make the missed payment of XXXX to possible finance. They are impossible to speak to due to not having an actual customer service number they handle everything through emails. When they finally responded they stated this balance was sent to a collection agency by the name of XXXX. I reached out to settle balance however they have inaccurate information stating the balance is XXXX. I refuse to over pay on something I know I do not owe. I have submitted a dispute but have not heard anything back and it is important I get this taken care of as soon as possible as I am in the middle of trying to purchase my XXXX home but both companies are making it impossible to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am filing an identity theft complaint regarding several accounts that appear on my credit report that I did not open or authorize. These accounts are reporting as derogatory, delinquent, or collection accounts and are negatively affecting my credit. I did not authorize these accounts and have never conducted business with the companies listed. I believe my personal information was used without my permission to open or report these accounts. I am requesting that these fraudulent accounts be investigated and removed from my credit reports with XXXX, XXXX, and XXXX. Accounts involved : XXXX. XXXX XXXX XXXX XXXX. Jefferson Capital Syst XXXX. XXXX XXXX XXXX. Dept Of Ed/XXXX XXXX XXXX XXXX These accounts are not mine and I am requesting immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ) and identity theft protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WV

Complaint narrative:
On XX/XX/year> I recieved a package or large envelope with a letter and a check for $ XXXX said campaign for XXXX water wrap.Stated i would recieve {$700.00} a week for having my car wrapped for advertising. $ XXXX that requested by text was for down payment for company doing the wrap. They text me and told me to send the money thru zelle then ask me for {$500.00} more I refused and then the check they had me depoist in my XXXX account was removed.I have filed a fruad report with XXXX and several other scamm sites.it.s been XXXX months and XXXX denies giving my money back.That was almost all of my XXXX XXXX check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am the Successor Trustee of the XXXX XXXX XXXX XXXX XXXX XXXX the sole legal owner of the property at XXXX XXXX XXXX XXXX ( Loan ending in XXXX ). I am filing this complaint because the servicer, NewRez LLC XXXX Shellpoint Mortgage Servicing, is engaging in predatory " Administrative Friction '' and violating multiple sections of Regulation X ( 12 CFR Part 1024 ), resulting in active financial waste of a $ XXXX estate asset. 1. FAILURE TO CONFIRM SUCCESSOR IN INTEREST ( 12 CFR 1024.30 ) : Despite providing Shellpoint with a recorded Trust Transfer Deed and the XXXX Trust Schedule A ( expressly naming me as Successor Trustee ), Shellpoint has failed to promptly confirm my status as a Successor in Interest ( SII ). They continue to address sensitive account correspondence to a deceased individual ( " Dear XXXX '' ) and refuse to grant me the legal rights and account access required under federal law to manage this mortgage. 2. PREDATORY " ADMINISTRATIVE FRICTION '' & UDAAP VIOLATIONS : On XX/XX/XXXX, at XXXX XXXX, Shellpoint issued an urgent demand via email stating : " You were recently approved for a loss mitigation plan ... make arrangements for your payment today in order to keep your loss mitigation plan current. '' Immediately upon receipt, I attempted to comply with this demand. Between XXXX XXXX and XXXX XXXX PDT, I made three ( 3 ) distinct attempts to access the " Access My Loan '' portal using verified credentials. Each attempt was blocked by a technical error message stating : " Something went wrong. Please try again later. '' This is a documented form of " Administrative Friction '' as defined in the CFPB Supervisory Highlights. Shellpoint is demanding immediate payment to save a home while simultaneously locking the digital doors to the payment portal, effectively forcing a default on a loss mitigation plan. 3. PROVOCATION OF ACTIVE WASTE : Because Shellpoint refuses to recognize my SII status, I am unable to resolve a temporary liquidity crisis caused by a third party 's withholding of estate funds. Shellpoints refusal to follow SII confirmation protocols prevents me from exercising my rights to a temporary stay or payment deferral, leading to a state of Active Waste. Their failure to maintain a functional interface for authorized fiduciaries is an Unfair, Deceptive, or Abusive Act ( UDAAP ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I am disputing this alleged debt because the debt collector has failed to provide proper validation of the debt. The company is reporting the account to the credit bureaus but has not provided documentation demonstrating that the debt is valid or that they have legal authority to collect it. Specifically, the collector has not provided : The original signed agreement bearing my signature Documentation showing they purchased or were assigned the debt A complete accounting of the alleged balance Despite the lack of documentation, the company continues reporting the account to credit reporting agencies. Reporting unverified or inaccurate debt may violate the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) and the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX and XXXX ). If the company can not provide documentation validating the debt and demonstrating legal ownership of the account, the account should be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX charges were made using my card totaling {$510.00}. The card was in a cell phone case and phone was accidentally left in a bathroom, when I returned about XXXX minutes later, the phone had already been taken. This is not a card I use often and did not realize it was in the phone case, so I did not report it right away. Authorized charges were still made by a vendor who has my card on file. I canceled my card, requested a new card and filed a claim on XX/XX/year>. The case was not properly reviewed and there could not have been a proper investigation because it was " reviewed '' and declined in less than XXXX hours on XX/XX/year>. I contacted Navy Federal Credit Union on XX/XX/year> and requested an investigation and again, it was immediately denied. I contacted them again and requested to speak to the person handling my claim as I wanted to request some information on how they could have possibly " investigated '' this in less than XXXX hours. There was no way they could've reviewed surveillance or done proper research in less than XXXX hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Since opening my XXXX XXXX credit card account issued by Comenity Bank, I have made consistent efforts to maintain my payment responsibilities and have had only XXXX late payment since XX/XX/year>. This late payment occurred after ongoing issues with billing statement delivery and account access. Billing statements were not being sent to my correct mailing address despite multiple requests to update my address. I also requested assistance accessing my account online so I could view statements and payment due dates. During my most recent call, I was informed that calls are recorded, which should confirm that these requests were made. Despite these requests, statements continued to be sent to the incorrect address while I received frequent phone calls requesting payment. Because I did not consistently receive statements and could not reliably access my account online, I was unable to properly monitor my billing cycle and due dates. I am requesting that Comenity Bank review the servicing history of this account and the reporting of the late payment. If the company can not demonstrate that billing statements were properly delivered to the correct address after my address update requests, I request that the late payment reporting be removed to ensure the information being furnished is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 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: AL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL LL - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
XXXX tried to email and call them about setting up a payment arrangement to pay off the debt or to settle the debt and they will not email me or give me a call back to set up an arrangement and now they are taking me to court for more than what the original amount was due to court cost and legal fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am submitting a complaint regarding my federal student loan account serviced by Nelnet. In XX/XX/year>, I applied for a different repayment plan because the current monthly payment was not affordable based on my income and living expenses. Nelnet later informed me that they sent a response to my application, but I never received any notification by mail, email, or phone. Because I was unaware that additional information or action was required, my account continued toward delinquency while I believed my repayment request was being processed. In early XX/XX/year>, I submitted updated income documentation ( pay stubs ) to continue working toward an adjusted repayment plan. I recently spoke with a Nelnet account manager who placed my account into a one-year hardship deferment and confirmed that my account would return to active status. However, the delinquency had already been reported, which caused my credit score to drop by approximately XXXX points. I have checked my phone records and voicemail and have no record of missed calls or messages from Nelnet during the time they claim they attempted to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: NC

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Diversified Adjustment Service , Inc . XXXX XXXX XXXX XXXX XXXX XXXXXXXX SUBJECT : REQUEST FOR DEBT VALIDATION To Whom It May Concern, I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : The name and address of the original creditor The amount of the alleged debt, with an itemized breakdown Verification that I am legally obligated to pay this debt Copies of any contracts, agreements, or documents bearing my signature Proof that your company has the legal right to collect this debt The date the debt was allegedly incurred and the date of last payment A complete account history, including all interest, fees, and charges Documentation showing the statute of limitations has not expired Your debt collector license numbers ( state and federal, if applicable ) Until you provide all requested validation, and while this matter is in dispute : You must cease all collection activities You must not report negative information to credit bureaus If you have already reported this debt, you must request its removal until validation is complete Please send all requested documentation to the address listed at the top of this letter. I expect your response within the timeframe required by law. If you do not provide proper validation, or if you continue collection activities without doing so, I will report your actions to the FTC, CFPB, and my state Attorney General. Thank you for your cooperation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2026-03-09 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: MOHELA
State: CA

Complaint narrative:
All student loans were paid off in full on XX/XX/XXXX. There were some issues with money paid being applied to loans, and they were fixed on Mohela 's side. Requested payoff letters for the loans because I did not receive any payment confirmation from them, and the money was being debited from my bank account. In XX/XX/XXXX, I received an email that one of my loans would be in repayment. Loan 11, which was paid off, showed no payment had been made, and interest was accruing ; they could not find a history of any payments I made on any of my loans. I called multiple times, spoke with supervisors and resolution team members, filed a complaint on the site, submitted bank statements and screenshots of the loans being paid in full from XXXX, requested a deferment until the issue was resolved, and kept calling back to check the status. On the StudentAid.Gov website, it shows the loan servicer Dept of Ed/Mohela loan status paid in full for all of my loans. Mohela has escalated this matter multiple times and keeps telling me to call back after 10 business days with nothing being resolved. This last call on XX/XX/XXXX, XXXX am again, was escalated and told to call back after 10 business days. I was advised to take legal action and file complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: MS

Complaint narrative:
Summary of Issue : Klarna provided false information to the CFPB, misrepresented the status of my account, failed to provide required documentation, conducted a defective investigation, and illegally sent a disputed debt to collections. I am requesting supervisory review and enforcement action. -- - 1. Klarna made false statements to the CFPB about who holds the debt. In their CFPB response, Klarna claimed : Klarna no longer services the debt you must contact XXXX. This is false. I received written confirmation from XXXX stating : They are no longer servicing the account The account has been returned to Klarna Klarna was notified of my pending dispute Klarna knowingly misrepresented the status of the account to a federal agency. This is a serious regulatory violation. -- - 2. Klarna claimed the merchant provided valid proof of delivery, yet provided NO documentation. Klarna did not attach : A tracking number A delivery confirmation Proof of delivery to my address A signature Any evidence that I ever received the impression kit Any evidence the merchant ever produced veneers Their claim is unsubstantiated and deceptive. This violates : Regulation Z ( failure to provide documentation ) FCRA ( furnishing inaccurate information ) UDAAP ( deceptive and abusive practices ) -- - 3. I never received the product, and the merchant can not prove delivery because delivery never occurred. This was a dental veneer impression kit. The merchant never : Delivered the kit Received impressions Produced veneers Shipped a final product Klarnas claim of valid proof of delivery is false. -- - 4. Klarna reactivated the statement during an unresolved dispute. Their own email states : Your statement has been reactivated for payment. Reactivating a statement while a dispute is unresolved is a violation of : Regulation Z UDAAP FCRA Klarna then escalated the account to collections while the dispute was still active, which is prohibited. -- - 5. Klarna sent a disputed debt to collections, and the collector returned it due to the dispute. XXXX notice confirms : They closed the collection case They returned the account to Klarna They notified Klarna of the dispute Klarna ignored this and falsely told the CFPB the debt was still with the collector. This is a deliberate obstruction of the dispute process. -- - 6. Klarnas CFPB response is nonresponsive, misleading, and procedurally defective. Klarna ignored : The nondelivery The lack of proof The merchants failure to fulfill the order Their own failure to investigate The collectors return of the account Their contradictory statements Their obligation to provide documentation Their response is a template denial that does not address the facts.

Company response to consumer: Closed with explanation