vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding my XXXX XXXX credit card account due to unfair billing practices and lack of proper disclosure. In XXXX, I contacted customer service to pay off my account in full. I was informed that I had a late fee, but the representative stated she did not know the exact amount. I requested to pay off the full balance ; however, I was only allowed to make a payment of approximately {$47.00}. I then attempted to make an additional payment of {$40.00} to cover any potential late fees. However, the payment system only processed one payment, and the balance was not fully resolved. In XXXX, I contacted customer service again to confirm my remaining balance and to pay off the account completely. I was told my balance was {$25.00}, which I paid in full. I was also informed that a late fee credit of {$15.00} had been applied. At no point during this conversation was I informed that additional late fees or interest would continue to accrue. Based on this information, I believed my account was fully paid and stopped using the card entirely. I did not receive any billing statements or notifications regarding any remaining balance until XXXX, when I was contacted and informed that I owed {$86.00} in additional late fees. This was the first time I became aware of any remaining balance. I contacted customer service multiple times and explained the situation, requesting a fair adjustment. However, I was told that no further fee waivers could be granted because prior credits had already been applied. I believe this situation is unfair and misleading. I made multiple good faith efforts to pay off my account and relied on the information provided by customer service representatives. I was not properly informed of ongoing fees, nor did I receive timely statements to alert me of any remaining balance. I am requesting a full review of my account and a removal or significant reduction of the additional late fees so that I may resolve this matter fairly. Thank you for your time and consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
My mother passed away XX/XX/year>. My mother had given me access to her checking account with a debit card in her name. The day she passed away, I withdrew money for her cremation. I noticed the next day that the account was blocked. I called to see if they would send another card so that I can withdraw the rest of the money with me being the beneficiary and they sent a card but the card was deactivated when it got to me. I called today, XX/XX/XXXX and talked to the XXXX office because I live in the XXXX area and was swinging by to give them the death certificate. The person I talked to said that she would try to investigate and find something out. He called the local office in XXXX XXXX where she talked with the bank representative and she called me back. Upon talking to the bank representative being that my mother had been a customer there for years, there was no condolences given at all. My mother has been a customer of first citizens for several years that I have known, and the person I talked to at the bank acted like I was a complete stranger. The main issue I am having is that my mother added me on as a beneficiary before she passed away. I am her only child with no siblings and I have a death certificate. I was told by the attorney to call in and see when I could come in to bring the death certificate and that I did not need to go through probate. The bank representative has told me today that I need to wait 60 days. My mother also has a safety deposit box and she told me that I also have to wait 60 days for this. I have reached back out to my lawyer and he has told me that he can represent me but before doing so I wanted to see if this is even legal. Everything I read on the Internet goes along with the lawyer is telling me that I have to do not need to wait for 60 days with a beneficiary and death certificate. I need a resolution on this. I want to make sure that my rights are not being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Please see attached I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX in XXXX XXXX my wallet was stolen I started getting blogs that someone was trying to charge on my credit cards I immediately called my cards to put a stop on my charges I contacted the Apple agent and he told me that he would cancel my card, but cancelled my account instead I have to go to great links to get my account back to normal In the mean time the person who stole my wallet charged XXXX on my card at XXXX XXXX the next day that was suppose to be closed down This should have been a no brainer that I did not make that charge The next day my wife & I took the train to XXXX and I have the receipt to prove it It is obvious that I did not make the purchase that day Every purchase we made for the train was done in the train station the same day of the trip I am asking that they remove that charge and restore my account back to normal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
CREDIT REPORTING DISPUTE - IMMEDIATE ATTENTION REQUIRED From : XXXX XXXX XXXX Phone : XXXX Email : XXXX Regarding : Inaccurate Student Loan Reporting Teacher Loan Forgiveness ( Approved XX/XX/year> ) To Whom It May Concern, Please find attached a formal demand for correction of inaccurate credit reporting related to my federally approved Teacher Loan Forgiveness. This matter involves violations of the Fair Credit Reporting Act ( FRCA ), specifically the requirement to report accurate and complete information. I am requesting immediate correction of : Incorrect balances Improper delinquency reporting Failure to reflect loan forgiveness This issue has caused ongoing financial harm and must be resolved promptly. Failure to correct will result in escalation through the Consumer Financial Protections Bureau ( CFPB ) and additional legal remedies. Sincerely, XXXX XXXX XXXX XXXX : This has been ongoing since XXXX with several phone call, emails and fax. At what point do they fix the problem? I did my required time and now they're not doing their part and clean up my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
This complaint concerns a medical collection account being reported by Medical Commercial Audit I on behalf of XXXX XXXX XXXX XXXX. The patient received services and elected to use insurance after being quoted a significantly lower cash price. The provider billed the insurance company approximately {$2400.00} and received payment. After insurance processing, an additional {$180.00} balance was pursued. This balance was previously disputed and addressed directly with the provider. Despite this, the account has now reappeared as an active collection and is being reported on the consumers credit file. Additionally, this account is inaccurately classified as retail despite clearly being a medical service, raising concerns about the accuracy and integrity of the data being furnished. The reported balance is also under {$500.00}, and its presence on the consumers credit report appears inconsistent with current credit reporting standards for medical debt. We are requesting : XXXX. Full validation of this debt, including itemized billing and insurance payment records XXXX. Documentation demonstrating the patient is legally responsible for the {$180.00} balance after insurance payments XXXX. Explanation for the re-reporting of a previously addressed account XXXX. Correction of inaccurate account classification XXXX. Immediate removal of this account from all credit reporting agencies if proper validation can not be provided This appears to be an inaccurately reported and improperly re-reported medical debt, and we are requesting formal review and resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I am an account with Well Fargo Mgt. They are reporting late on my account. I have asked them several time to remove the late and they have not. I made a payment on the XXXX of the month, but they still charge me a late fee. I be paying my loan for over 19yrs and my principal balance steady increase. Please help me in this matter.

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 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC

Complaint narrative:
XX/XX/XXXX - I received a call from an unknown number. When I answered I was advised that it was XXXX from CBCS and was an attempt to collect a debt for medical services from XX/XX/XXXX. I stated that I had previously paid the balance in full ( on XX/XX/XXXX ). The agent attempted to threaten me by stating that he would have to turn the account over to the credit reporting agencies and it would negatively impact my credit. I informed them that they did not have the right to threaten me in this manner. I asked them to note the account that it had been paid in full. They refused. They then stated that they would email me an offer to pay at a reduced amount. I received an email from CBCS Services. The letterhead is states CBCS Services, XXXX XXXXx XXXX, XXXX, OH XXXX, XXXX. I disconnected the call and then called the medical provider. The representative confirmed that the account has been previously paid in full and no balance remains open from either the doctors or the facility. I called CBCS Services back and repeated this information and asked that my account be marked as closed and they cease calling. The second agent ( XXXX XXXX ) again threatened a negative reporting. I asked to speak to a supervisor, but was refused. I asked to speak to the referring department. I was refused again. He repeatedly threatened a negative reporting. He said I would receive notice by mail in 15 days, following the reporting and that then I would have an opportunity to dispute. I stated that I wished to dispute now. He refused to take my comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I am submitting a complaint regarding a home improvement loan issued through the XXXX program by Goldman Sachs Bank USA. This loan is directly tied to a contract with XXXX XXXX XXXX XXXX, XXXX for window installation at my residence. After installation, significant defects were discovered in the work performed. The windows were improperly sized and installed with gaps, insufficient insulation, and excessive caulking used to conceal defects. Additional issues included a broken window being installed, a window handle detaching shortly after installation, and damage caused during installation. The contractor offered only a minimal reduction of approximately {$1000.00}, which did not resolve the issue. Due to these issues, I formally disputed the loan and ultimately filed arbitration with the XXXX XXXX XXXX ( XXXX ). The arbitration has been accepted and is currently pending under an assigned case number. Despite being notified of the dispute and active arbitration, XXXX has repeatedly removed the dispute status from my account and resumed billing and collection efforts. I have requested that the account remain in dispute status and that billing activity be suspended while the arbitration is pending, but these requests have not been honored. The loan itself is part of the active arbitration, and continued collection efforts during this process are inappropriate. This repeated removal of dispute status and continued demand for payment has caused ongoing issues and concern. I am requesting that the account be immediately returned to dispute status, that all billing and collection activity be suspended pending the outcome of arbitration, and that no negative credit reporting occur during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
To whom it may concern : I noticed recently that collections were placed on my credit report on XXXX without me even knowing about this. This is a collection from XXXX XXXX XXXX listed to my account on XX/XX/year>, and another from JEFFERON CAPITAL SYSTEMS DATED XX/XX/year>. I never got an email, a call or something in the mail giving me a chance to dispute the amounts for {$1000.00}, or {$1100.00} listed on my report. The debt I believe is from a credit card that was charged off and I did try to call the original credit and make a payment prior to seeing this. I was told that they no longer have my account. I asked how I can reach who has my account. I was told by the rep that I would get something in the mail from the new owner but i never did receive anything. Also, the amount is incorrect on what I remember owing the original creditor. I have tried calling Jefferson capital, but they are not picking up phone. I have not gotten any communication -giving me the chance to validate the debt or dispute the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST FINANCIAL BANKSHARES, INC.
State: TX

Complaint narrative:
On XXXXXXXX XXXX I authorized XXXX XXXX XXXX to collect payment {$170.00} for deposit ONLY via my debit card. In exchange, the company agreed to provide deep cleaning service of my entire home over XXXX specific days. On XXXX day of their commitment - no one showed up. On the XXXX XXXX - AGAIN no one showed up. On the XXXX day the company sent one person, XXXX, who spoke little XXXX and was not knowledgeable about what or how to complete the contractural terms of agreement. Company was notified several times throughout the day. When I agreed to permit them to try again the following day, it was only with the specific request they NOT send XXXX again. The next day they sent one person : XXXX. She was promptly asked to leave and another company was hired for the service - inclusive of the cleaning of everything XXXX claimed to have cleaned. XXXX, the company representative, was notified of my complete dissatisfaction with the service & my direction for XXXX to leave. Immediately- with complete understanding the company failed to provide ANY of the service per our contract - XXXX XXXX XXXX collected {$700.00} from my bank account using my debit card information WITHOUT MY KNOWLEDGE OR CONSENT. When confronted with my complaint company refused to credit the fraudulent charges & bank was notified. When the bank requested records the company submitted very misleading, inaccurate records to influence the bank to deny my claim for chargeback. First Financial Bank reports that since I hired the company for their service - EVEN THOUGH I NEVER AUTHORIZED ACCESS TO MY BANK ACCOUNT FOR SERVICES I NEVER RECEIVED- I was obligated to pay for the service. UNEQUIVOCALLY - THERE IS MERIT TO MY DISPUTE THAT THE BANK REFUSES TO CONSIDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
In or about XX/XX/year>, I reviewed my credit report and discovered accounts reporting that I do not recognize and did not authorize. These accounts include a charged-off credit card and collection accounts. I immediately sent written disputes to the credit reporting agencies and the companies reporting the accounts, stating that I never applied for or opened these accounts. The accounts were marked as verified without any documentation being provided to me showing that I signed a contract, submitted an application, or authorized these accounts. I requested the method of verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and requested copies of any original signed agreements or applications. To date, no competent evidence has been provided to prove these accounts belong to me. Despite my disputes, the accounts remain on my credit report, which has caused harm, including denial of credit to purchase a home. I believe this is a violation of the Fair Credit Reporting Act, including failure to conduct a reasonable investigation and failure to provide proper verification of disputed information. I am requesting : Removal of the inaccurate accounts from my credit report Documentation showing how the accounts were verified Confirmation that a reasonable investigation was conducted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Ability Recovery Services regarding a bill of {$1100.00} allegedly owed to XXXX XXXX of Texas dating back to XX/XX/XXXX. This debt has not been properly verified, and I have never received any prior bills, statements, or notices regarding this charge before being contacted by the collection agency. I promptly contacted Ability Recovery Services to request a detailed itemized bill, full verification of the debt, and a clear explanation of how the charges were calculated and how they relate to my original medical visit and any applicable insurance coverage, as required under the Fair Debt Collection Practices Act ( FDCPA ). During my initial call, the representative was unprofessional, raised her voice, and ultimately hung up on me before addressing or resolving my concerns. When I called back, the same representative acknowledged that she had raised her voice, yet still failed to provide clear answers or the requested documentation. Despite my efforts to resolve this matter in good faith, I have not been provided with sufficient information to validate the debt or confirm its accuracy. Attempting to collect on an unverified debt, combined with unprofessional communication practices, raises serious concerns regarding compliance with federal consumer protection laws and proper debt collection procedures.

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 2026-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions
State: AR

Complaint narrative:
I did not rent or lease from this company during the timeframe of their claim, therefore, this claim is based off fraud.

Company response to consumer: Untimely response