vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am requesting immediate and permanent resolution of inaccurate and unlawful credit reporting by National Credit Adjusters ( NCA ). 
NCA is reporting an alleged debt in the amount of {$370.00} that I do not recognize and for which no identifying information has been provided. I have never received a debt validation notice identifying the original creditor, the account number, or the legal basis for this alleged obligation, in violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( a ).

By reporting and attempting to collect an unidentified and unverified debt, NCA has continued collection activity without providing verification, in violation of 15 U.S.C. 1692g ( b ), which requires all collection and reporting activity to cease until proper validation is provided.

NCAs reporting of an unknown and unvalidated account constitutes the furnishing of inaccurate and incomplete information in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and demonstrates a failure to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ). 
I am a XXXX patient, and NCAs continued reporting of an unidentified debt has caused substantial financial hardship and emotional distress, interfering with my ability to maintain financial stability and access necessary medical care for myself and my children. This conduct constitutes oppressive and abusive collection practices under 15 U.S.C. 1692d, as well as unfair and unconscionable means under 15 U.S.C. 1692f.

By reporting a debt without identifying the creditor or establishing a legal obligation, NCA has misrepresented the character, amount, and legal status of an alleged debt, in violation of 15 U.S.C. 1692e ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
In early XXXX  I used my XXXX XXXX XXXXXXXX credit card at a XXXX store and found that did not work. I questioned this at the store and customer service representative did not know. I called XXXX XXXX  and told them about the credit card situation, and they would not or could not provide any answers for me. At the time I remember thinking something is not right, but my card might have been compromised which they could not talk about. I tried using my card a few other times in XXXX stores with the same results including trying to open another credit card account. Recently I was alerted by my bank when I applied for a car loan that my credit score had dropped considerably. The bank informed me that it was due to a debt with XXXX XXXX. I was unaware of such a debt. I called XXXX XXXX  and they told me it was turned over to a collection agency and provided me a phone number. I called Portfolio Recovery. A representative looked into a paper trail and concluded when I didn't make a payment on a statement. He went over the items that I purchased, and I remembered that I indeed made purchases that amounted to {$90.00}. He also asked if I had moved to XXXX XXXX, XXXX  or XXXX  which I have never even visited those places. He informed me my address was changed and my XXXX statements were going to XXXX  and then XXXX  for about 8 months. I did not authorize any changes of address. He wanted me to pay {$400.00} due to interest charges or reach a settlement with paying some interest. I said I did not get my statements at no fault of myself, and I would only pay {$90.00}, and that I can't take responsibility for someone at XXXX  mistakenly or intentionally changing my address. Furthermore, I had reached out to XXXX XXXX  and XXXX to rectify a problem with my credit card. I feel that I am caught up is some kind of scam especially with the 2 changes of address and not getting answers when I inquired about not being able to use my credit card. I have been penalized with a lower credit score that effected a car loan. I want my good credit restored ( it was at XXXX ), and my debt settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On or around XX/XX/XXXX my identity was stolen and sent to the dark web. At that point the fraudsters got a hold of all of my credit card information possibly through my email which is associated with my ip address which is found at my work station device that is connected to the internet and World Wide Web. At this point the fraudsters took my credit card information from XXXX and XXXX and XXXX XXXX and they opened the app for each respective service and card. Once the fraudsters had the usable XXXX  app they were able to make payments to the account and run up a balance and reverse the payment and effectively steal the money from me and XXXX. When told that the XXXX  XXXX XXXX account making the fraudulent payment was not my account. XXXX then responded with " We don't care who makes the payment as long as its made ''. 
XXXX is trying to collect monies on mastercard account ending in XXXX and not the mastercard account ending in XXXX. The reason for this is that they know that all of the evidence for fraud, theft and abuse is all over the mastercard account ending in XXXX. That is why at this point I want to XXXX the XXXX mastercard account ending in XXXX and all of its payment records so that the court can see that the XXXX XXXX XXXX account making the payments was not mine and that the device that the XXXX  app was downloaded to did not belong to me. This information by the way was brought to XXXX XXXX attention early on this the fraudster 's attack on my credit and money. XXXX was not concerned with the fact that the device explicitly involved with fraud, theft and abuse was under ownership of someone other than me the account holder. 
As you can see from the additional information from XXXX  XXXX  that the fraudsters opened an account in my name and I contacted XXXX XXXX XXXX to file a police report and remain vigelent on my behalf, and he agreed. When I sent XXXX the proof and correspondence I had with inspector XXXX XXXX, they didn't even take XXXX  days to decide that there was not fraud and abuse, even with XXXX XXXX and his police report ( see attatched letter from XXXX dated XX/XX/XXXX. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
To Whom It May Concern, I am writing regarding the account referenced above, which has been paid in full. I appreciate your confirmation that the balance is now satisfied. 

I respectfully request, as a matter of goodwill, that you consider removing any negative credit reporting associated with this account from the consumer credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX. 

At the time this account became delinquent, I was experiencing financial difficulties that have since been resolved. Since then, I have taken responsible steps to improve my financial situation and remain committed to maintaining a positive credit history moving forward. 

Because the obligation has been fully satisfied, I kindly ask that you exercise your discretion to update the account to reflect a goodwill deletion of any late payments, charge-offs, or collection status associated with this account. 

Thank you for your time and consideration. I appreciate your assistance and look forward to your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the night XX/XX/XXXX my Chase Bank account was compromised and XXXX fraudulent charges were placed. I immediately flagged them as fraudulent. XXXX of the charges were taken off my statements entirely however the other XXXX stayed. XXXX for " XXXX  XXXX  ' for {$320.00} and XXXX for " XXXX XXXX  for {$220.00}. The XXXX one was refunded back to me a couple of days later, as well as the XXXX XXXX  one. 

However, about a month after this took place I was then re-charged the {$220.00} for XXXX XXXX cards. After calling the claims department I was told the vendor sent documentation to Chase saying this was an authorized purchase. After another XXXX minutes on the phone with the claims department they instructed there was nothing further they could do on there end and an explanation letter will be sent to me on the decision. Upon hearing this i went to my Local Chase Branch and asked for help from an employee. The employee then looked at my case, and helped me upload an invoice from the vendor showing the address this was shipped to which is not my address and not close to me. They told me they will review the new information and I should receive a refund shortly. 

Since then the case has been closed, and upon the results they do not even list this XXXX XXXX  on the claim update I have received after the case has been closed. 

I requested information about the case and what information was sent refuting my claim and nothing has been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
Almost 4 years ago I called XXXX XXXX to sign up for a promotion. I spoke to the customer service representative and I told her I would like to sign up with my phone and my husbands phone. Well after many questions she told me the switch from XXXX to XXXX XXXX will happen 15 minutes after we hang up. Well to my surprise after 10 minutes my phone was disconnected and my husbands phone. I had a landline at the time so naturally I called XXXX XXXX and spoke to several different representatives but no one helped me! It was so frustrating because my cell phone is my business phone. I went to my provider, XXXX  and they said they couldnt help me I had to go to XXXX XXXX. I went to XXXX XXXX ( 2nd day without a working phone ) and a very nice man finally helped me. He got my phone working and Cancelled my account. I had to go back to my XXXX provider to get connected with them again. I did and all was well. I believe I received a notice from XXXX XXXX and I called them and told them I dont have an account with you and I never did. All they did was disconnect my phone and really messed me up! I received no more notices and figured all was ok but then years later I received a call from a collection agency saying I owe {$1500.00}. This is unfair! I never ever had any collection Ever! HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC
State: AA

Complaint narrative:
Complaint Against K. Hovnanian at XXXXXXXX & K. Hovnanian American Mortgage I am submitting this complaint due to misrepresentation, lack of disclosure, and internal failures between K. Hovnanian at XXXXXXXX and K. Hovnanian American Mortgage that resulted in the wrongful withholding of {$5000.00} in earnest money. 

From the outset, I explicitly stated to sales representative XXXX XXXX that the property at XXXX XXXX XXXX, XXXX, FL XXXX was being purchased as an investment property. Despite this, I was provided a contract and seller contribution structure that exceeded what is permissible for investment loans. 

After execution of the contract, loan officer XXXX XXXX informed me that I did not qualify for the loan terms presented due to the property not being a primary or secondary residenceinformation that was known prior to contract execution. 

Additionally, I was induced to sign based on a 3.75 % interest rate, presented as time-sensitive, which was subsequently altered after execution. This materially changed the transaction. 

Due to these errors, I was forced to terminate and my earnest money was withheld despite clear documentation showing the failure originated with the builder and lender. I am seeking full reimbursement and am pursuing legal counsel should this matter not be resolved promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: IA

Complaint narrative:
I received an unsolicited text message from RMP Services LLC that included a photo of a medical billing statement containing my full name, home address, medical provider ( XXXX XXXX XXXX XXXX XXXX ), date of service, and alleged balance. 

The collector did not know whether this was the correct phone number. This means my private medical billing information was disclosed to an unverified number, which could have been a third party.

I never consented to receive medical billing information by text message, and the disclosure of this information to an unverified phone number is a serious privacy violation and potentially a violation of the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting that the CFPB investigate improper third-party disclosure, unsafe handling of sensitive personal/medical billing information, and inappropriate collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION INVOLVING AFFIRM INC CONSUMER LOAN. 

I am writing to formally notify the CFPB that matters previously reported and/ or under review involving consumer loans originated by AFFIRM , INC are now the subject of active court proceedings. 

The loan at issue was issued in Florida in connection with XXXX-XXXX XXXX XXXXs, and concerns include : The manner in which the loan was originated, The validity of an electronic signature and consumer consent, The role of a third party in the loan origination process, and Compliance with applicable Florida and Federal consumer protection laws. 

As of this date, these issues have been raised before the appropriate court, and the matter is no longer limited to administrative review or informal dispute resolution. 

I've included this notice to make sure the CFPB knows about the dispute that involves Affirm INC which has progressed to litigation. 

I respectfully request that this communication be added to the relevant records associated with any prior ongoing inquiries related to this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/year>, I contacted Chime after receiving emails of an account open in my name. Upon request for closings this fraudulent account, I was told that my email and phone number were removed. However, he could not tell me that this account was being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I havent been able to access my app login account! I have created a complaint in which yall were so easily to close after the bank told you they said I accessed the account in which I told yall that but its not letting log in due to 1 time code! Their response saying I logged in on XX/XX/XXXX but then was told my password expired, which I was at the branch in person when I was told this, we did try to update the password but a one time code was needed. I am still unable to change the password or log in! Why is this so hard to understand! You just allowed the bank to lie and you guys are so easy to close this complaint. I cant access nothing! Even when I try to switch the password by putting forgot password its telling me my username account is no where to be found! I need access to my money! I need to see how much I have left, I need to see if fraudulent charges are happening and I cant! This has been a month now! They are dismissing this because they dont know how to fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc.
State: TN

Complaint narrative:
They emailed my father and tried to get him to pay for the debt. Told him the exact amount that was owed and offers him solutions to take care of the payment. How they got my fathers information is beyond me and is extremely concerning. I am not a minor I am XXXX XXXX XXXX. Reaching out to a family member to attempt to collect a my personal debt is from what I understand to be breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid.

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, I received written notice from XXXX. XXXX XXXX XXXX stating that my required mortgage insurance policy ( XXXX XXXX XXXX XXXX, Policy No. XXXX ) had been canceled for non-payment of premium. 

The insured property is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

The notice states that the total premium due was {$130.00} and that the policy was canceled specifically due to non-payment. The notice further indicates that if the lender is responsible for paying the premium, the insurance agency would assist in securing payment from the lender.

Payment of this insurance premium was the responsibility of Regions Mortgage through my escrow account. I have consistently funded the escrow account as required and had no ability to make this payment directly. The insurance provider confirmed that payment was not made correctly or on time by the lender, which directly resulted in the cancellation. 

Upon receiving the cancellation notice, I immediately began addressing the issue and gathering documentation. This lapse occurred solely due to servicer error, not borrower non-payment.

Regulatory concerns ( RESPA / Regulation X ) : Regions Mortgages failure to disburse escrow funds for a required insurance premium appears to violate RESPA and Regulation X ( 12 CFR 1024.17 ), which require mortgage servicers to : Make timely escrow disbursements for insurance premiums Administer escrow accounts accurately and in good faith Avoid causing lapses in required insurance due to servicer failure Despite charging escrow-related fees and discouraging me from canceling my escrow account ( including citing a {$500.00} escrow cancellation fee ), Regions failed to perform the basic servicing function escrow is designed to provide.

This failure exposed me to : A lapse in required insurance coverage Potential force-placed insurance Potential loan compliance and credit risk Unnecessary stress and administrative burden

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief