vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Dear XXXX Consumer Assistance,, CREDENCE RESOURCE MANA - XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX - XX/XX/year> - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report XACTUS - XX/XX/year> - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX - XX/XX/year> - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX XXXX XXXX XX/XX/year> - Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX XXXX - XX/XX/year> - Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX-XXXX XXXX - XX/XX/year> - Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX - XX/XX/year> - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report In violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. FCRA 605B ( 15 U.S.C. 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
I knew I was going to have to make my payment off a different credit card but I couldn't log into my account. This is not the first time I've not been able to access my account even though I haven't changed any of my information. I tried resetting my password, it said I didn't have a account set up, then when I tried to set up an account it said I already had an account set up. I tried calling multiple times, but I can't make an automated payments because they don't have an automated payment system, so I talked to somebody. We couldn't get a text to get to my phone. I wasn't receiving the text so they transfered me over to another department. The other department couldn't get me the text either, but then when they tried emailing me the code they said it was an invalid code : I read it to them multiple times. We went through this process twice. My husband even saw that I was reading the code that was on my phone. They told me I had to call back in 2 hours, I asked them what that was going to change. They couldn't really give me a good answer. I called back again in 2 hours and they hung up on me. I can not access my account, I can't verify that that someone else hasn't made a purchase on my account. My account is listed as being overdue because they stopped my automatic payments. This is showing up as derogatory on my credit report, and I'm getting hit with massive late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
RADIUS GLOBAL SOLUTION is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTION 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Validation of Debt Request - SEQUIUM/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INC ( XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX 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 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 2026-03-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I reached out to CashApp chat and requested my sons old account be transferred to his new account because we can no longer access the old one. I provided my info, my son 's info, all CashApp ID 's etc. She then told me I had to have my son login to his new account and store my banking information. This is not how it works. I am the sponsor for my minor son 's account and adding my banking info under his login allows him to fund his card with my bank account. She told me there is no other way, I requested a supervisor. XX/XX/XXXX I received an email from a supervisor who asked me for all of the same info the chat rep did. I replied with all requested information. 10 hours later received an email from supervisor that a request will be put in to have the funds from the old account transferred to the new one if I reply " yes '' to the email, which I did. XX/XX/XXXX received email from same supervisor informing me a " specialist '' has denied my request for the transfer with no other information given.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I called Rocket Mortgage to get information on my mortgage. I have no access to my account online. I was told to go to my old account at XXXX XXXX, which was the company I have paid my mortgage to. However, my log-in information does not work and it seems like I have been erased from XXXX XXXX 's system completely. I was told to wait a few days, and all will be well. That has not been the case. I have heard from no one and now my mortgage is past due. I don't know how or who to pay my mortgage. I try to call the company today, on XX/XX/XXXX and it prompts me to stay on the line and then it disconnects. Every single time I call, it disconnects. I need access to an account. I need access to my history and what is and what isn't being paid during this time. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
my bank account was defrauded which caused problem for me and also halted my payments from posting and cause some payment to be returned. i have been a loyal customer and too for you to close all XXXX of my account for something that was out of my control is inhumane. I will post this to every social media influencer with a big following and to the local news and to any other powerful figure who can shed light on my situation which would open people eyes to how badly capital one treats in loyal customer. all i ask is that i get another chance and have my accounts re open. this is not my fault at all, someone did fraud on my account and stole money from me and to make it worse capital one has punished me for it by closing my account and it is not fair. i want my account reopen or i will do whatever i can too expose capital one and your unfair and abusive business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC
State: TX

Complaint narrative:
I received a debt collection text message on XX/XX/XXXXXXXX at approximately XXXX XXXX from NRA Group, stating that a XXXX XXXX XXXX, MO account needs review and providing a payment link. I have not lived in XXXX, Missouri since approximately XXXX, and this account does not correspond to my current or recent residence. I do not recognize this account as valid, and the message appears to be based on outdated, incorrect, or misattributed information. Despite having no connection to a XXXX, MO utility account for several years, I continue to receive debt collection communications related to this location. These contacts are improper and appear to rely on stale address data or incorrect account matching. I did not click the link, respond to the message, or acknowledge the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I enrolled and paid for the XXXX XXXX XXXX XXXX product in XXXX of XXXX. After about one month of usage and testing I determined this product was not going to be a viable solution for me. So canceled in XXXX. The cancelation process was intentionally confusing, they provide no call back number and the support document for canceling the product was not accurate. I did manage to cancel though. Several months later, 7 to be exact, I noticed I was still being billed the a recurring charge of {$60.00}. Once I realized what was going on, I immediately opened a fraud dispute with Wells Fargo. After a 7 day investigation, Received a letter 2 letters from Wells Fargo stating they are declining my claims. So, I called them with the provided number to ask them why, and they explained this was not a fraud based claim and they could not go back further 120 days to resolved this dispute. They also stated since I initially supplied my credit card number with the company the recurring charges were not fraudulent. After going through several managers with Wells Fargo Fraud Team, I am now working with a " XXXX '' in the Wells Fargo Executive Office... So I guess they mean business now. Bottom line here is that they are obligated bye law to reimburse the {$420.00} in canceled recurring changes, which they continue to claim that this type of theft is not fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
STARTING XX/XX/year> A NEW DEVICE SIGNED INTO MY ACCOUNT. I TALKED TO THEM THIS MORNING AND WAS TOLD THAT I OWED THEM XXXX. THEY REPAID THE DAMAGE TO MY BANK ACCOUNT BUT THEY ARE SAYING THA I OWE THIS. I WILL UPLOAD A SPREAD SHEET

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CT

Complaint narrative:
I am submitting this complaint regarding improper debt collection practices. I received correspondence from a debt collection company offering settlement options for an alleged debt. After receiving this notice, I contacted the company to request additional information and validation of the debt. During the call, the representative stated that I had already been served with court papers. I dispute this claim. I was not in town on the date they claim service occurred, and I have never been personally served or received any legal documents related to this matter. I requested a debt validation letter multiple times in order to verify the alleged debt and confirm the companys legal authority to collect it. The representative refused to provide any written validation or supporting documentation. Instead, they continued to insist that I had been served and threatened legal action, including taking me to court, if I did not agree to a settlement. I believe these actions may violate the Fair Debt Collection Practices Act, including : Failure to provide proper validation of an alleged debt upon request Misrepresentation regarding service of legal documents Use of threats of legal action without providing verification of the debt I am requesting : Written validation of the alleged debt Proof of service for any claimed legal action That collection efforts cease until proper validation is provided Correction of any inaccurate records related to this matter I am concerned about the accuracy of this debt and the collection companys refusal to provide documentation after multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Validation of Debt Request - CAINE & WEINER/PROGRESSIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am requesting full reimbursement of the $ XXXX unauthorized XXXX XXXX XXXX that occurred after my phone was stolen during a XXXX XXXX incident. This was an unauthorized electronic funds transfer under Regulation E. I did not authorize this transaction. I reported the theft and the fraudulent transfer within the required timeframe and provided a police report and written declaration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My federal Parent PLUS loan was serviced by Nelnet until XX/XX/XXXX. Nelnet sent a letter on XX/XX/XXXXXXXX stating my account was 45 days past due. This was the first mailed notice I received indicating that payments had resumed after administrative forbearance in XXXX. My XXXX credit report now shows a 120 days past due as of XX/XX/XXXXXXXX delinquency under XXXX XXXX XXXX XXXX A 120 day delinquency in XXXX indicates a Date of First Delinquency around XX/XX/XXXX, during which Nelnet was still the servicer. I submitted a formal dispute to Nelnets Credit Reporting Department ( certified mail + dashboard upload ). Nelnet issued a written denial. Their denial states that I opted into eCorrespondence in XXXX and that email notifications were sent in XXXX, XXXX, and XXXX. Nelnet refused to apply retroactive forbearance and refused to correct the delinquency. Nelnets denial is incomplete because : It does not address the transfer timeline showing Nelnet was the servicer during the delinquency period. It does not address the 120 day delinquency appearing in XXXX. It does not address the Date of First Delinquency ( XX/XX/XXXXXXXX ). It does not address the fact that the first mailed notice was not sent until XX/XX/XXXX. It does not address that XXXX can not correct pre transfer delinquency. It relies solely on eCorrespondence, even though email notifications are not guaranteed delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am requesting regulatory review of an auto loan balance being reported after a total loss vehicle claim that should have satisfied the loan through insurance and XXXX coverage. My vehicle, a XXXX XXXX XXXX, was declared a total loss on XX/XX/XXXX. Primary insurance paid {$13000.00} toward the loan balance. I had also purchased GAP coverage at vehicle purchase through the dealership, administered by XXXX XXXX XXXX, XXXX under a Security+Plus GAP Addendum. XXXX XXXX XXXX issued a GAP payment of {$3200.00}. After these payments, PenFed Credit Union reported a remaining balance and ultimately charged off {$8000.00}, while credit reporting now reflects a remaining balance of approximately {$5500.00}. The remaining balance appears connected to force-placed insurance ( CPI ) that was added to the loan during the same period GAP calculations were being performed. The loan ledger provided does not clearly show CPI removal entries or a transparent payoff reconstruction. The {$5500.00} figure appears to be manually derived rather than supported by clearly documented accounting entries, creating uncertainty as to what payoff amount was used during GAP calculation. Because GAP calculations rely on accurate payoff figures supplied by the lender, the inclusion of CPI at the time of calculation likely resulted in an incorrect deficiency amount and an underpayment by the GAP administrator. I was also enrolled in a payment deferment ( Bump ) program with the lender during a period when I was in college and temporarily behind on payments. I was informed participation in this program would not affect GAP eligibility or coverage. Additionally, I later obtained a civil settlement confirming I was not at fault for the accident that resulted in the total loss. I repeatedly attempted to resolve this matter by contacting the GAP administrator and requesting a written explanation, itemized calculation, and formal denial documentation but was only provided verbal statements and no written breakdown or denial letter. Primary insurance fulfilled its obligation, and GAP coverage was purchased specifically to cover any remaining deficiency following a qualifying total loss. The continued reporting and collection of this remaining balance appears to result from inaccurate payoff accounting and incomplete GAP calculation rather than any remaining consumer obligation. I request : 1. A reconstructed payoff history clearly showing CPI additions and removals. 2. Written GAP calculation documentation and any denial determination. 3. Correction or deletion of inaccurate credit reporting associated with this balance. 4. Investigation into whether incorrect loan balances were supplied during GAP processing.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief