vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Mortgage — FHA 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: Village Capital & Investment LLC
State: GA

Complaint narrative:
I contacted the company back in XXXX and told them I could not pay a {$4200.00} mortgage when my mortgage was initially {$3500.00}. I explained to them several times to review the escrow Analysis. I was told by th company that they decide how much money must be in my escrow though my taxes and insurance went down over {$1000.00}. Instead of helping me before delinquency they continued to refuse me any help until I was at least XXXX late. Now they have destroyed my credit. Refused to allow me to make any payment unless I pay them XXXX and XXXX when I was trying to lay XXXX in XXXX they refused the payment when I called them XX/XX/XXXX. I feel they are purposely increasing taxes that dont exist and making me pay {$1200.00} a month for escrow when taxes and insurance are only {$5500.00} is downright wrong. Even the company XXXX XXXX that sold my loan to this company canceled their business relationship due to these unethical practices. Back in XXXX  XXXX they charged me with a XXXX  day late payment and reported it to me credit. Luckily it was recorded that they screwed up but they never fixed my credit score. There is definitely a pattern with this company. They want you to lose your home by creating such unethical practices. This is and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Citis handling of a billing dispute on my credit card account. 

I authorized a transaction in the amount of {$39.00} only. However, the merchant charged my card an additional {$340.00}, which I did not authorize. When Citi sent a fraud alert text asking if I recognized the {$340.00} charge, I immediately replied NO and provided an explanation. 

Despite my prompt response and multiple phone calls to Citi during which I experienced long wait times and several disconnections my dispute was denied. I was instructed to contact the merchant directly, but I have been unable to reach them, and I am concerned this may be a scam. 

This situation has caused me significant stress and anxiety, as I feel my billing rights have not been properly protected. Under the Fair Credit Billing Act, I am requesting that Citi conduct a thorough reinvestigation of this unauthorized charge and provide documentation explaining why the transaction was determined to be valid. 

I am seeking the removal of the {$340.00} charge and a fair review of my case. 

Thank you for your assistance in this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am formally disputing this debt and requesting validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, I have not received proper verification of the alleged debt.

I am requesting that LVNV Funding LLC provide the following : Verification of the amount of the alleged debt, including an itemized breakdown of interest, fees, and charges. 

A copy of the original signed agreement or contract creating the debt. 

Proof that LVNV Funding LLC has legal ownership and standing, including the complete chain of assignment from the original creditor. 

The name and address of the original creditor. 

Documentation showing authorization to collect this debt in my state. 

Additionally, I am requesting that all telephone calls and electronic communications ( emails ) cease immediately. Continued contact without providing proper validation constitutes harassment and may be a violation of 15 U.S.C. 1692c and 1692d. 

Until proper validation is provided, LVNV Funding LLC must cease all collection activity, including communication attempts and any credit reporting related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 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:
I am filing this complaint against LVNV Funding LLC for inaccurate credit reporting and failure to provide proper debt validation. 

LVNV Funding LLC is reporting a collection account on my credit reports that I do not recognize and that has not been properly validated. 

This collection is being reported as past due and not satisfied, and is severely damaging my credit profile. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of this alleged debt. LVNV has not provided : A copy of the original contract or agreement Proof that LVNV legally owns the debt Complete account history and itemized balance Documentation supporting their authority to collect I am requesting LVNV Funding LLC to : Provide full written validation of this alleged debt Cease reporting this account to the credit bureaus until properly validated Delete the collection account immediately if they can not provide full documentation If LVNV can not validate this debt, they must remove it from XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against STARMARK FINANCIAL LLC regarding an erroneous debt collection entry that has appeared on my credit report. This collection is not mine, and I have never received any notice or validation of the alleged debt, which I believe violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 
My name is XXXX XXXX and I reside in The XXXX, XXXX. I recently discovered a collection account from STARMARK FINANCIAL LLC listed on my credit report for an amount of {$2400.00}. Upon reviewing my financial records and history, I can confirm that this debt does not belong to me. I have no prior relationship with STARMARK FINANCIAL LLC, nor have I ever incurred any obligation that would result in such a collection. This appears to be a case of mistaken identity, possible identity theft, or a clerical error on their part. 
Furthermore, STARMARK FINANCIAL LLC has failed to provide me with any written notice of the debt as required by Section 809 of the FDCPA, which mandates that debt collectors send a validation notice within XXXX days of initial communication. I have never received any correspondence, phone calls, or other notifications from them regarding this matter. This lack of notice has prevented me from disputing the debt in a timely manner and has allowed this inaccurate information to negatively impact my credit score, potentially affecting my ability to secure loans, employment, or housing. 
I demand that the CFPB investigate this matter thoroughly. Specifically, I request the following resolutions : XXXX. Immediate removal of this collection entry from all my credit reports ( XXXX, XXXX, and XXXX  ). 
XXXX. A full investigation into STARMARK FINANCIAL LLCs practices to ensure compliance with federal laws, including verification of the debts accuracy and their failure to provide notice. 
XXXX. Any appropriate penalties or corrective actions against STARMARK FINANCIAL LLC for their violations. 
XXXX. Confirmation in writing once the issue is resolved, including steps taken to prevent future occurrences. 
I have attached copies of my credit report highlighting the erroneous entry. 
Thank you for your attention to this serious matter. I look forward to your prompt assistance in protecting my consumer rights. 
Sincerely, 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 2026-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc.
State: AL

Complaint narrative:
Dear Bounce AI , Inc., I am writing to formally dispute the reporting of the above-referenced account and to request a fair and lawful resolution. 

This account originated with XXXX XXXX ( XXXX ) and was later transferred to Bounce AI. I experienced a significant and documented reduction in income, which I communicated to your agency on multiple occasions. At that time, I advised that I was unable to meet the demanded weekly payment of {$220.00}. Despite my repeated attempts to explain my hardship and request reasonable alternatives, my concerns were initially not accommodated. 

I acknowledge that your agency has recently begun working with me, and I appreciate that development. However, the account was reported as an active collection during a period when I had clearly communicated financial hardship and when the repayment terms presented were not feasible. 

Additionally, upon review of the account, I have serious concerns regarding inflated interest and loan terms that appear predatory, particularly given the rapid balance escalation relative to the original obligation.

Legal Basis for Dispute Continued reporting of this account under these circumstances raises concerns under the following federal laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that information furnished to consumer reporting agencies be accurate, complete, and verifiable. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which prohibits unfair, deceptive, or abusive debt collection practices, including reporting disputed or inaccurate balances and failing to reasonably accommodate documented hardship. 

Requested Fair Resolutions In light of the above, I am requesting XXXX of the following fair and reasonable resolutions : XXXX. Deletion of the collection tradeline from XXXX, XXXX, and XXXX  ; or XXXX. Update of the account to Paid/Closed with a XXXX balance, with removal of any collection designation and cessation of negative reporting ; and/or XXXX. Removal or waiver of interest and fees that appear excessive or predatory, with recalculation of the balance based on principal only ; and XXXX. Immediate cessation of credit reporting while this dispute and review are pending. 

These resolutions reflect good-faith cooperation, acknowledge my documented hardship, and align with federal consumer protection standards. 

Please provide written confirmation of the resolution selected and confirmation of any updates made to consumer reporting agencies. I expect your response within the timeframes required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX delivered a replacement refrigerator to my home for a purchase I made on XX/XX/XXXX, for {$660.00} using PayPal Pay in 4. The refrigerator was delivered with structural damage to the bottom right frame, which was not visible until the unit was fully inspected and tilted. The damage causes the appliance to wobble during normal use and makes it unsafe and unusable as sold. 

I immediately contacted XXXX XXXX to schedule a return or refund. Over the following weeks, XXXX XXXX repeatedly scheduled pickup appointments and failed to show on multiple occasions. I delayed filing a PayPal dispute in good faith while waiting for the merchant to retrieve the appliance. 

On XX/XX/XXXX, I submitted a dispute with PayPal requesting a full refund. I provided photos and a video documenting the structural damage, dents, and cosmetic scratches. PayPal automatically closed the case in the sellers favor, citing a 30-day policy, and refused to manually review or escalate the dispute, even though the delay was caused by the merchants repeated failure to complete the pickup. 

The purchase amount was {$660.00}. I made two payments on XX/XX/XXXX : {$160.00} and {$500.00}, completing the Pay in 4 transaction in full. I am requesting a full refund of the purchase due to defective goods and the merchants failure to retrieve the appliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One Auto Finance has furnished late payment information for periods in which an active bankruptcy case and the automatic stay protected my auto loan. 

During this period, federal law prohibited me from making payments or being treated as delinquent outside the bankruptcy process. 

Despite this, Capital One Auto Finance reported late payments and derogatory payment history. 

Why is this a problem This reporting is inaccurate and unlawful because : The automatic stay under 11 U.S.C. 362 ( a ) prohibits collection activity, including coercive credit reporting Furnishing late payments during the stay violates the accuracy requirements of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) I notified Capital One Auto Finance of the bankruptcy and automatic stay. The company has continued to report the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number XXXX To Whom It May Concern, I am writing in response to your communication dated XX/XX/XXXX, regarding the alleged debt referenced above. 

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this debt. Please provide the following : XXXX. The amount of the alleged debt, including an itemization of any interest, fees, or charges. 
XXXX. The name and address of the original creditor. 
XXXX. Copies of any documents bearing my signature that show I am legally obligated to pay this debt. 
XXXX. Proof that you are licensed or authorized to collect debts in my state. 
XXXX. Documentation showing that this debt is within the applicable statute of limitations. 

Until this information is provided, please cease all collection activity and communication regarding this alleged debt. 

This request is not an acknowledgment or acceptance of responsibility for the debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am submitting this complaint regarding XXXX charged-off credit card accounts that were opened and used in my name during my marriage under conditions of coercive control, deception, and financial abuse. 

I did not provide informed or voluntary consent to the creation or use of these accounts. Mail related to the accounts was sent to a shared marital address and payments were made from a joint account controlled by my spouse, which the creditor has relied upon to presume authorization. However, these facts do not reflect informed consent and occurred within a documented pattern of coercion and financial control. 

During the marriage, my spouse engaged in broader deceptive and financially manipulative conduct that I later learned included fraudulent financial activity unknown to me at the time. These circumstances further demonstrate that the accounts in question were created and managed without my informed knowledge or voluntary authorization. My spouse is now deceased, which has limited my ability to obtain documentation or clarification directly from him, but the coercive and deceptive context in which these accounts arose remains unchanged. 

I previously disputed these accounts with the creditor and with consumer reporting agencies, explaining the coercive circumstances and lack of true authorization. Despite this, the creditor has continued to report the accounts as valid charged-off debts. 

Importantly, a third-party collection agency that attempted to collect on this debt reviewed my written explanation of coercive control and financial abuse and responded with a written apology and ceased collection activity. Despite this, the original creditor continues to assert that I am responsible for the debt and continues negative credit reporting. 

These tradelines caused significant and measurable harm to my credit profile. When the disputed accounts were temporarily removed during prior investigations, my credit score returned to approximately 800, demonstrating that the ongoing reporting of these accounts is the sole driver of the current damage.

I am requesting that the creditor : Conduct a reinvestigation that meaningfully considers coercive control, financial abuse, deception, and lack of informed consent Provide documentation demonstrating my knowing and voluntary authorization for each account Cease inaccurate negative credit reporting if such authorization can not be established Correct or delete the tradelines as appropriate under the Fair Credit Reporting Act and applicable consumer protection laws I respectfully request fair resolution and accurate credit reporting so that I may rebuild financial stability for myself and my children following an abusive marital situation.

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 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> WILLIAMS RUSH & ASSOCIATE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number - XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Debt Validation Request and Cease-and-Desist Notice regarding the above-referenced account. 

Despite my lawful request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, your agency has failed to provide proper legal validation of the alleged debt. 

Instead, you provided a generic billing summary or statement balance, which does NOT constitute proof of debt ownership or legal authority to collect. 

Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature XXXX. A complete chain of title, including all assignments and transfers of the alleged debt XXXX. A bill of sale or purchase agreement proving legal ownership of the debt XXXX. Proof of licensing and authorization to collect debt in my state XXXX. Surety bond information, if required by law in your jurisdiction A billing summary alone is not validation. Continued reporting of this unverifiable debt to consumer reporting agencies constitutes the furnishing of inaccurate and incomplete information, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Additionally, continued collection activity without proper validation violates the FDCPA, including but not limited to : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair or unconscionable practices 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within XXXX calendar days of receipt of this notice, I will proceed with all available legal remedies. 

This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursuing civil litigation under 15 U.S.C. 1681n and 1692k, including statutory damages, legal fees, and court costs. 

This is your final opportunity to resolve this matter amicably. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
Blackhawk XXXX ( Blackhawk XXXX XXXX ) My case number : XXXX. 
I reported fraud to Blackhawk. 

I received a {$25.00} virtual prepaid card as a settlement disbursement and was sent a link to retrieve the card number. 

Before I was able to access or use the card, an unauthorized transaction occurred, spending the funds and leaving a balance of approximately {$2.00}. 

I did not authorize or benefit from this transaction, and I did not share the card information. 

The compromise appears to have occurred through the card retrieval or delivery process. 

I reported this to Blackhawk and was given case number XXXX, but Blackhawk denied responsibility. XXXX, the merchant, also denied responsibility. 

I was left without resolution despite clear evidence of an unauthorized transaction on a card I had not yet used. 

Your guidance is much appreciated. 

Thank you!

Company response to consumer: Closed with explanation