vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: NY

Complaint narrative:
I received a letter from credit management company stating I owed {$780.00} to vns for services received in XX/XX/year> after XXXX I called XXXX and my insurance company and was told this was paid by insurance in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I attempted to contact National Credit Systems by phone to request a debt validation letter. I became aware of this debt through XXXX of the XXXX credit bureauXXXX XXXX XXXX XXXX. Using the information provided on my credit report, I tried to dispute the debt with National Credit Systems. 

Initially, a " XXXX '' cursed at me and threatened me for not providing my full name, address, Social Security number, and birthdate on a recorded line. I have never received a letter or any form of communication from this company, only a collections item on my credit report. The incorrect item originates from an apartment transfer fee charged by my rental company, XXXX XXXX. XXXX XXXX, currently known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX recommended as an alternative to placing a large refundable apartment deposit. 

I transferred from XXXX apartment to another within the same property under the same management. However, it took XXXX to 90 days, from XXXX to XXXX, for the involved companies to resolve the payment for the transfer fee. Interestingly, in XXXX, without any communication to me, either XXXX or XXXX sold this debt to National Credit Systems. I have emails from both XXXX and XXXX stating that no debt is or was owed, and both companies are denying having sold the debt to National Credit Systems. I possess email correspondence from both companies to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: TN

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I later received a bill for XXXX dollars I called the number on the bill and was told that my bill was handled by a charitable organization. I never heard anything else until XX/XX/XXXX when I checked my credit and saw I owed XXXX dollars to a debt collection agency and had been negatively impacting my credit since XX/XX/XXXX so I called first federal credit control. Upon calling the debt collection agency, I was told the bill was from XXXX  XXXX  of XXXX  Florida and they were in charge of paying the doctors and the bill for the hospital was separate. I never received any bill for over a year from this company and randomly saw the impact on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account : XXXX XXXX XXXXAccount Number : XXXX Original Creditor : XXXX XXXX The account were not properly investigated According to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. Thank You

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 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my in-laws received a letter from Fair Collections & Outsourcing ( FCO ), providing our payment details. Firstly, it included an amount from XXXX of XXXX that was disputed for almost 7 months with XXXX XXXX, who sent us to collections prior to resolving the issues we had been disputing, and at this point had already been resolved, then included our outstanding amount. From what I understand it is illegal to provide debt details to someone else. My husband is a XXXX, his father a XXXX. I'm sure this is the excuse that will be made. I called them after my mother in-law sent me the photo of the letter. They stated that they had to send to his last known address. I asked what that was, as we have received mail from them at our current address previously, and never received anything in the mail in the last few weeks. They confirmed our current address, I said okay it was never received, I'm not sure why you would send it to his parents house where he hasn't lived in almost a XXXX, I stated we had multiple other places we lived in between where the mail would have been forwarded to us. They stated that they also sent it to the address of our first house that we moved out of in XXXX, again unclear why they wouldn't have sent it to a more recent address. They are now telling me they will be reporting us to the Credit Bureau unless we pay over {$700.00} by the XXXX, after I explained we hadn't received any letters from them, and advised them they illegally provided our information to my in-laws. It is also unclear to me why they did not attempt to send anything to my previous addresses, as there is no one else at my addresses with the same name, they would know it was for me and send it to me. Instead they only went to my husband who shares a name with his dad, although my husbands documents specifically have XXXX on them generally.

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 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I received a huge hit on my credit report from a company " UPGRADE INC '' showing I have an account with them {$2000.00} in debt. I immediately contacted them and was told " UPLIFT '' recently " migrated '' to " UPGRADE INC ''. I asked the company for all supporting documentation showing how this debt was valid after having PROOF via email that UPLIFT CLOSED- {$0.00} THIS ACCOUNT AND REMOVED IT FROM MY CREDIT back in XXXX. I have attached a copy of the email from XXXX. I also sent this information over to UPGRADE INC. to give them a chance to rectify this prior to filing a complaint. I have not received a response or any documents/proof that I initially requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am reporting a systemic failure and multiple Regulation E violations by Ally Bank : XX/XX/2026 : I made a purchase that was subsequently canceled by the company ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The Problem : Despite the merchant canceling the transaction, the funds remained held/debited from my account. I have provided Ally with definitive proof of this cancellation. 
The XXXX : As of XX/XX/2026, I have had numerous conversations with Ally. They acknowledge receipt of my evidence in Dispute Case # XXXX but refuse to release the funds, citing a XXXX " review '' loop. 
Regulation E Violation : Under 12 CFR 1005.11 ( c ) ( 2 ) ( i ), once a determination is made ( which should be immediate given the cancellation proof ), the bank must correct the error within one business day.

Connected Negligence : This delay follows a previous incident on XX/XX/2026, where Ally closed my brand-new savings account ( opened XX/XX/XXXX ) without notice. It also follows a " XXXX '' hold where I was hung up on by a representative while trying to prove a self-transfer was not fraud. 
Actual Damages : Ally 's repeated improper holds and " high-risk '' flags directly caused the permanent cancellation of my credit card line.

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 2026-01-21 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On XX/XX/year>, I purchased a pair of XXXX XXXX  on XXXX for {$86.00}. The sellers listing showed the jeans with no defects and did not mention any missing components. When the item arrived, the jeans were missing the original XXXX branded leather waistband patch, which is a permanent factory-stitched feature of all XXXX denim XXXX This patch is not a removable accessory ; its absence materially changes authenticity, resale value, and condition. 

I opened a dispute with American Express and submitted photographic evidence showing the missing patch and a copy of the listing, which does not disclose the removal. This is a textbook Significantly Not As Described ( SNAD ) case because the item delivered materially differed from the item advertised. 

XXXX refused to authorize a return based solely on their internal policy window, not based on whether the item actually matched the description. American Express then denied the dispute twice, relying only on the merchants policy and not addressing the SNAD evidence. 

The merchants evidence package contained no photographic rebuttal and did not dispute that the patch was missing ; it consisted only of policy text. American Express did not evaluate the defect, did not address the photos I provided, and did not explain how their determination complies with Regulation Zs requirement for a reasonable investigation.

I am asking for help because American Express incorrectly denied a valid billing-error claim by relying on merchant policy instead of the condition of the goods delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding escrow miscalculation and improper monthly payment increases by my mortgage servicer, in violation of RESPA and Regulation X ( 12 U.S.C. 2605 ; 12 C.F.R. 1024.35 and 1024.36 ).

An escrow-only payment of {$520.00} was applied to my account. Despite this, the servicer issued an escrow analysis containing mathematical errors.

The servicers own figures list : Taxes : {$190.00} Insurance : {$100.00} Mortgage insurance : {$82.00} These amounts total {$370.00} per month. My prior escrow payment was {$350.00}, making the correct increase {$24.00}, not the {$36.00} increase imposed. The higher amount is unsupported by the servicers figures. 



My principal and interest payment is fixed at {$1700.00}. Using the correct escrow amount, the accurate monthly payment is {$2100.00}. The servicer instead stated {$2200.00}, reflecting an improper charge. 



My homeowners insurance premium was recently reduced and not properly applied. I also requested a review for mortgage insurance removal, which has not been addressed. 



I submitted a Qualified Written Request / Notice of Error seeking acknowledgment, investigation, and correction on XX/XX/XXXX and havent heard from the servicer, not even to acknowledge my email. I am requesting that the servicer : Correct the escrow analysis and payment Apply the reduced insurance premium Recalculate remaining XXXX escrow payments Remove mortgage insurance if eligible Comply with RESPA acknowledgment and response requirements

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 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am submitting a complaint to the Consumer Financial Protection Bureau regarding Navient, the servicer of my federal student loan. 

My complaint concerns the review of my Title I ( XXXX XXXX XXXX ) eligibility. The loans under review were previously consolidated, and Navient has stated that a portion of the consolidated amount is being denied due to an alleged XXXX XXXX component. Because the loans were consolidated, there is no way to determine what percentageif anyoriginated from a XXXX XXXX. The loan currently under review is not a XXXX XXXX and should qualify for full forgiveness. 

I am requesting that Navient conduct a complete and accurate review of my file and provide a clear explanation of how they determined the amount they are denying, including the basis for attributing any portion of the consolidated loan to a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX -- Balance : {$45.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX -- Balance : {$150.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX -- Balance : {$110.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$230.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank has retained {$6800.00} from my business account since XX/XX/year>, originating from a cash deposit made through a PNC ATM. 
I have never received any written notice, letter, email, or formal explanation regarding this hold. 
I have visited the branch multiple times, and no employee has been able to provide a case number, the department handling the hold, the reason for the retention, or a date for release of the funds. I am repeatedly told only to wait, with no documentation. 
This prolonged and unexplained retention of funds is causing financial harm to my business and constitutes an unreasonable hold without proper notice. 
I am formally requesting immediate release of the funds or, at minimum, a written explanation detailing the reason for the hold and the steps required to resolve it, as required by banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I requested the title be updated to my name, and that my ex-partner, be removed since weve separated. I am solely responsible for the car, my name is already on the loan, and I was approved for another loan. It has been almost a month waiting for this update. I first reach out to have this change made XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I visited my local bank branch to deposit coins, along with cash. The tellers claimed they do not accept coin deposits unless the customer is a business client, and they claimed their coin counting machine was broken. Another teller suggested I use the XXXX machine in the supermarket next door. Then I was turned away with no further assistance. As a long time customer of the bank, I was quite disappointed for not being able to complete a basic transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: MS

Complaint narrative:
I am submitting this complaint for violations of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681e ( b ), involving inaccurate, duplicate, and reinserted credit reporting by Lendmark Financial Services and the credit reporting agencies. 

I want to be clear that I am aware of and acknowledge owing one legitimate debt with Lendmark. However, my credit reports are reflecting two separate accounts, which is inaccurate, misleading, and confusing. I did not open, agree to, or authorize a second account.

One Lendmark account was previously deleted from my credit reports in or around XXXX, yet it later reappeared. This reinsertion occurred without any written notice to me within XXXX business days, and without any certification of accuracy, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Additionally, the reporting is materially misleading. One account reflects that it was paid off, while another separate tradeline reflects a balance of approximately {$21000.00} and is reported as closed, charged off, written off as profit or loss, and still reporting late payments and a balance owed. This contradictory reporting makes it appear as though I opened and defaulted on two separate accounts, which is false.

If this debt was in fact written off as profit or loss, I am requesting documentation showing whether a Form 1099-C was issued, as required when debt is canceled. Reporting a balance as owed while also claiming the debt was written off is inaccurate and misleading to potential creditors.

I have disputed these inaccuracies multiple times. Each time, the response has been a generic verified as accurate statement. I have never been provided the method of verification, the records reviewed, or documentation proving the existence of a second account, which violates 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ).

I am formally requesting that the CFPB require the credit reporting agencies and Lendmark Financial Services to provide : The complete method of verification used to verify each tradeline Full payment history for each alleged account Documentation showing how and when each account was opened, including any signed agreement Proof of reinsertion compliance under 1681i ( a ) ( 5 ) ( B ) Clarification identifying which single account I actually owe, as duplicate reporting is occurring If these records can not be produced, the inaccurate and reinserted tradeline ( s ) must be permanently deleted. Continued reporting of duplicate, reinserted, or misleading account information constitutes an ongoing violation of my rights under the FCRA.

1681i ( a ) ( 1 ) 1681i ( a ) ( 5 ) ( B ) 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Tried to call multiple times this morning XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX and kept getting hung up on. Will try to call later today. I can not get a hold of anyone. This is also in extension to my XXXX previous complaints about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldridge PIte Haan, LLP
State: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and their attorney group, Aldridge Pite LLP, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 
I sent a debt validation and dispute letter on XX/XX/year>, which was received and signed for by the agency on XX/XX/year>, via certified mail. According to FDCPA 1692g ( a ), they had five business days from receipt ( XX/XX/year> ) to respond. They failed to do so. 
Their response letter is dated XX/XX/year>, and was postmarked XX/XX/year>, nearly three weeks after the legal deadline. I received this letter on XX/XX/year> via standard mail not certified or tracked. This delay and method of response violate the timeliness and good-faith communication standards under federal law. 
Additionally, XXXX maintains a barrier to contact. Consumers must call a XXXX number that routes to a central call center. The representative must email a specialized internal team if unavailable. These callbacks come from a XXXX XXXX number flagged as XXXX XXXX, which often routes directly to voicemail. When I finally reached a team member, they denied the existence of this callback structure, despite confirmation from multiple other representatives. This obstructive and misleading contact policy violates the FDCPAs requirement for transparent and accessible communication. 
Further, when I inquired about settlement options, I was subjected to unnecessary and invasive questions about my employment, income, and personal finances, none of which are legally required to initiate or evaluate a settlement offer. 
Despite my formal written dispute, XXXX failed to update my credit report to reflect the account as disputed, violating FCRA 1681s-2 ( a ) ( 3 ).

I respectfully request the CFPB to investigate these violations and take enforcement action. I also request the tradeline be either corrected or removed due to XXXX failure to comply with basic federal requirements.

Company response to consumer: Closed with explanation