vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: OR

Complaint narrative:
My girlfriend lived in a apartment complex fuller station from XXXX to XXXX, I never resided there nor signed any lease or was a cosigner signer for her as we had just started dating at the time, I have no clue how they have gotten any of my information to make a report on my credit report for this when it is not my debt. XXXX also won't dispute it because the credit company is refusing to admit they're wrong by having me as a joint holder on a account I dont even own or was on. I then requested a lease or proof to show I am financially responsible and was told they couldn't provide this. I also included copies of her lease to show I was never on it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear XXXX Please consider this correspondence as a formal demand for the immediate release of all funds being held on my account. These funds have remained unresolved for several years, despite my repeated attempts to address this matter in good faith. I am respectfully requesting that the full amount owed to me be released and mailed or deposited within XXXX ( XXXX ) days of receipt of this notice. If the funds are not released within that timeframe, I will have no choice but to proceed with legal action to recover the money owed to me, along with any additional damages, fees, and remedies available under the law. I would prefer to resolve this matter amicably and without court involvement, but the length of time this issue has remained unresolved is unacceptable. I expect prompt communication and immediate action regarding this matter. Sincerely, XXXX XXXX XXXX ALSO THE XXXX TO LOOK UP THE ACCOUNT IS XXXX I want to explain the circumstances surrounding the deposit of a cashiers check PAYABLE TO MONEY HUNGRY BOSSES LLC. At the time, my children 's mother XXXX XXXX was incarcerated and unable to manage her business affairs directly, and her account with XXXX XXXX was closed and a check was mailed with he remaining funds that we available in her account. I was caring for our children at the time and was in a difficult financial situation myself. Because her original bank account had been closed while she was incarcerated, I attempted to deposit the cashiers check in my business account MONEY XXXX XXXX XXXX order to access funds needed for the childrens care. In an effort to resolve this and still cover the childrens expenses, I XXXX XXXX opened an account with a business name very similar to hers " MONEY HUNGRY BOSSES XXXX '' so I could deposit the check and use the funds for their needs while I was unable to do so myself. The bank ( TRUIST ) since then closed my account, and have been refusing to release the funds. then There was no fraudulent intent. My only goal was to take care of the children during their mother 's absence. Attached to this is all the documentation regarding this matter. I have also listed the branch on several occasions to attempt to resolve this. I have a case number if this helps. " XXXX ''

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery Associates , LLC RE : Cease and Desist / Notice of Dispute / Opportunity to Cure Account Number : XXXX To Whom It May Concern : This letter serves as formal notice that I dispute the alleged debt referenced above and demand that Portfolio Recovery Associates , LLC immediately cease and desist all collection communications and collection activity regarding this matter except as required by law. Further, before any continued reporting, collection, transfer, or enforcement activity may occur, you must provide competent documentary evidence establishing all of the following : XXXX. Proof that Portfolio Recovery Associates , LLC has the legal right to collect on the alleged debt ; XXXX. Proof that Portfolio Recovery Associates , LLC legally owns the alleged debt ; XXXX. Complete documentation establishing that the chain of assignment has not been broken from the original creditor to the present holder ; XXXX. Copies of all assignments, bills of sale, transfer agreements, and purchase agreements related to this alleged account ; XXXX. XXXX bearing my signature showing I contractually agreed to the alleged obligation ; XXXX. The complete accounting and payment history for the account ; XXXX. The name and address of the original creditor and all subsequent owners of the account ; XXXX. The specific method of verification used to validate the account ; and XXXX. Copies of all XXXX ( XXXX XXXX Dispute XXXX ) records, XXXX XXXX, and any information furnished to any consumer reporting agency concerning this account. You are hereby provided an opportunity to cure any inaccurate, incomplete, misleading, or unverifiable reporting associated with this alleged debt. If you can not fully substantiate your claims with competent evidence, you must immediately cease collection activity and delete all related tradelines and reporting from all consumer reporting agencies. Be advised that any continued collection efforts, reporting of inaccurate information, or failure to properly investigate disputed information may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This correspondence is not an acknowledgment, admission, or acceptance of liability for the alleged debt. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: TX

Complaint narrative:
I disputed this alleged debt directly with the company and requested validation and supporting documentation. I requested debt validation, method of verification, account-level documentation, payment history, proof of ownership/assignment, and proof that the company has the legal authority to collect and report this account. Despite my disputes and requests for documentation, the company continued collection activity and/or continued reporting the account without providing meaningful validation or sufficient evidence to verify the alleged debt. I also sent written disputes and requests through certified mail and retained proof of delivery. The company failed to provide adequate documentation showing that I am legally responsible for this debt. The account information being reported and collected remains disputed. I believe the company failed to conduct a reasonable investigation and failed to properly validate the alleged debt before continuing collection and credit reporting activity. I am requesting CFPB review of the companys collection and reporting practices regarding this disputed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: TX

Complaint narrative:
I am filing this complaint regarding the servicing of my mortgage loan by Shellpoint Mortgage Servicing in connection with a divorce-related title issue protected under federal law. The property located in XXXX, TX was awarded to me pursuant to a Final Decree of Divorce entered on XX/XX/2022, in XXXX XXXX XXXX, Texas. Under the decree, I was awarded ownership and possession of the marital residence as part of the court-ordered division of community property. Since the divorce, I have made good-faith efforts to resolve all title-related matters associated with the property. However, my former spouse has refused to cooperate and has refused to execute a Special Warranty Deed necessary to finalize the transfer record. This has created a title discrepancy outside of my control despite my continued efforts to comply with the divorce decree and maintain the mortgage obligations. I am concerned that Shellpoint Mortgage Servicing may be improperly treating this divorce-related transfer as a due-on-sale violation or basis for foreclosure-related activity despite federal protections under the Garn-St. Germain Depository Institutions Act, 12 U.S.C. 1701j-3 ( d ). Federal law expressly prohibits lenders and mortgage servicers from accelerating a loan solely because of a transfer resulting from a divorce decree or marital property settlement. I submitted a formal Notice of Error pursuant to RESPA and Regulation X, 12 C.F.R. 1024.35, notifying Shellpoint that : the transfer resulted from a Texas divorce decree ; the unresolved title issue is caused by my former spouses refusal to sign required deed documentation ; I am actively pursuing legal remedies to enforce compliance with the divorce decree ; and federal law prohibits enforcement of a due-on-sale clause solely because of a divorce-related transfer. I requested that Shellpoint : correct any inaccurate servicing records ; confirm that the loan will not be accelerated or referred for foreclosure solely because of the unresolved deed issue ; and refrain from furnishing inaccurate information to credit reporting agencies. I am seeking CFPB assistance to ensure that Shellpoint Mortgage Servicing complies with RESPA, Regulation X, and the Garn-St. Germain Act and does not improperly penalize or initiate foreclosure activity against me based on a divorce-related title transfer protected under federal law.

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 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful credit reporting by Central Portfolio Control concerning an apartment-related collection account tied to a prior eviction matter. The underlying eviction action associated with this account was resolved through the Texas XXXX XXXX XXXX in XXXX XXXX, Texas. On XX/XX/year>, the XXXX XXXX XXXX at XXXX signed an order reinstating the case for diversion participation, dismissing the matter with prejudice, and ordering that all court records, files, and information relating to the eviction action remain confidential and prohibited from public disclosure. Despite the courts dismissal with prejudice and confidentiality order, Central Portfolio Control continues furnishing and reporting the account to consumer reporting agencies as an active collection account. I disputed the account with the consumer reporting agencies and provided notice that the underlying eviction action had been dismissed and sealed/confidential pursuant to court order. More than 30 days have passed since the initial investigation period, yet the account continues reporting without deletion or lawful correction. The continued reporting is inaccurate, incomplete, and materially misleading because : * the underlying eviction matter was dismissed with prejudice ; * the court ordered the matter confidential and prohibited from public disclosure ; * the reporting fails to accurately reflect the legal disposition of the case; * and the furnisher continues reporting information connected to a sealed/confidential eviction proceeding. I believe Central Portfolio Control failed to conduct a reasonable investigation after receiving notice of dispute and continues furnishing inaccurate information in violation of the Fair Credit Reporting Act, including FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 1681s-2 ( b ). Because the underlying matter was dismissed with prejudice and ordered confidential by the court, this account should not continue to be reported, furnished, or disclosed in any form, including as a collection tradeline associated with the eviction matter. I am requesting immediate deletion and permanent suppression of this account from all consumer reporting agencies and confirmation that all furnishing activity related to this matter has been terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing the accuracy of the collection charge-off reported on my credit file. The information listed, including the balance, dates, account status, and ownership, appears to be inaccurate and not consistent with my records. I am requesting an investigation and full verification of this account. Please provide documentation validating the debt, including the original creditor details, date of first delinquency, and proof that the account was legally assigned or sold to the collector. If the furnisher can not verify the information with complete and accurate documentation, I request that the account be corrected or removed as required under the Fair Credit Reporting Act ( FCRA ).

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
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
I had a collection account with Aldous & Associates originally for a XXXX XXXX debt of {$180.00} that I paid in full approximately XXXX weeks ago. After payment was confirmed, I contacted Aldous & Associates by phone today requesting a voluntary goodwill deletion of the collection tradeline from all three credit bureaus, as the debt is now fully satisfied. The representative stated that they do not offer tradeline deletion and refused the request. By continuing to report this satisfied debt as a derogatory collection on my credit report, Aldous & Associates is causing ongoing damage to my credit score despite the debt being fully resolved. I am requesting CFPB intervention to facilitate the removal of this paid and satisfied collection tradeline from all three credit bureaus XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXX purchased on XX/XX/XXXX, paid car off XX/XX/XXXX and did not receive title. Reached out to the company and they said they do not handle electronic titles and sent me a XXXX release letter on XX/XX/XXXX that was dated on XX/XX/XXXX. Upon trying to renew my tag for the XXXX year the XXXX was showing an active XXXX still on my vehicle and would not accept the lien release letter as the title had not been released by finance company. Contacting the company again on XX/XX/XXXX I was now told the title HAD been released XX/XX/XXXX. I informed the person assisting me what I had been told prior about they do not handle title releases electronically and the rep stated that was false. I was asked to update all of my information and ensure it's accuracy, then ensured I would have my title in the mail within XXXX business days. I received an email after the conversation with confirmation number XXXX for my " electronic hold removal '' and advised to go to FAQ section or call back again for further questions. However it is now XX/XX/XXXX and I still have no title and no answers and no calls to the " title department '' which I don't believe even exists at this company. The email was stated that Hyundai Capital America ( HCA ) does business as Hyundai XXXX XXXX

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: VA

Complaint narrative:
I am filing a complaint regarding an inaccurate debt collection account with Qualia Collection Service associated with XXXX XXXX that has been wrongly placed under my name. A debt balance of {$7200.00} was reported against me and transferred to Qualia Collection Service, even though this debt does not belong to me. I believe this may be a case of mistaken identity, mixed file reporting, or inaccurate account attribution. The collection account has caused significant damage to my credit profile and financial reputation. I have disputed the debt and requested validation from the collection agency. I requested documentation proving that I am legally responsible for this account, including the original signed lease agreement, payment records, and identity verification documents. At this time, I have not received sufficient evidence demonstrating that this debt belongs to me. I am requesting the following actions : Immediate investigation into the inaccurate debt reporting Removal of the collection account from all credit reporting agencies if the debt can not be properly validated Correction of any inaccurate information associated with my credit file Cessation of collection efforts regarding this disputed debt until proper validation is provided This situation has negatively impacted my credit standing and may affect my ability to obtain housing, financing, or other financial services. I respectfully request that this matter be resolved promptly and that all inaccurate reporting be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint against Wells Fargo regarding negligent instructions and improper dispute handling that has resulted in severe financial harm. I opened a dispute regarding a vehicle purchase where the dealer breached the contract by failing to deliver the vehicle. A Wells Fargo representative explicitly instructed me to return the vehicle to the dealership to resolve the matter.Relying on Wells Fargo 's directive, I paid {$240.00} out of pocket to tow the vehicle back to the dealer 's lot. The dealer accepted the vehicle. However, Wells Fargo subsequently closed the dispute and released the full purchase funds to the dealership anyway.As a direct result of Wells Fargo 's actions, the merchant now possesses both the full payment from my account AND the physical vehicle. Furthermore, the dealer is now using the physical possession of the car to demand unauthorized fees and threaten a fraudulent " voluntary repossession '' on an asset that is paid in full. Wells Fargo has refused to reopen the dispute, effectively financing a consumer fraud scheme and trapping my funds. I require Wells Fargo 's Executive Office to review this case, reverse the charge, and investigate the conflicting directives given by their staff.

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