vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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: GA

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MA - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
Upon reviewing my credit report, I noticed an account listed by GM Financial that I do not recognize and do not recall ever establishing a business relationship with. Therefore, under 15 U.S.C. 1692g ( b ), I am formally requesting full validation of this alleged debt. This means I am requesting, not a simple statement or printout, but actual documentation that proves the validity of this debt : - A copy of the original signed contract with my wet ink signature. - Proof of ownership : A fully executed Assignment Agreement proving that you were legally assigned this debt. - The full chain of custody of the account showing every entity that has owned, sold, or transferred this alleged debt. - Your companys license to collect in my state S.C.. - Verification of how this account complies with all federal, state, and local lending and collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On or about XX/XX/year>, I disputed an alleged debt being reported and/or collected by Resurgent Capital Services and LVNV Funding LLC and requested proper validation of the account. In response, I received a letter stating that the debt had been verified, along with an Account Summary Report and an Ownership History document. However, the information provided does not constitute proper validation. The Account Summary Report appears to be a document created by the debt collector and not from the original creditor. The document itself states that it is not a credit card or other account statement from the original creditor. It only contains basic account details such as balance, dates, and creditor name, but does not include any original account records. The Ownership History document lists a sequence of companies but does not include any supporting documentation such as a bill of sale, assignment agreement, or account-level transfer records proving that LVNV Funding LLC owns this specific account. Additionally, I was not provided with any signed contract, application, original creditor statements, or complete payment history demonstrating that I am legally obligated for this debt. Despite this lack of proper documentation, the company claims that the account has been verified. I believe this constitutes a failure to conduct a reasonable investigation and an attempt to collect or report a debt without proper verification. I am requesting that this account be deleted from all consumer reporting agencies and that all collection activity cease unless proper validation can be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
On XX/XX/year> Continental finance company XXXX credit card called me at XXXX XXXX on a Monday evening questioning me about paying my credit card next month on the due date which is XX/XX/XXXX. Ive been paying my credit card minimum payment every month to catch up on my credit card. I dont know why theyre calling me as a consumer I have the right to choose if I wan na pay the full payment or make minimum payments I shouldnt be getting calls being harassed to pay my credit card when Im already paying at minimum every month. There shouldnt be no reason theyre harassing me and calling my phone every other week to pay down the credit card that clearly Im trying to pay down Theyve been harassing me to make credit card payments that is very unlawful and I would like to bring it to somebodys attention. Theyve also been charging me interest charges on purchases whatever thats for and every month the amount goes up. I have not used the credit card since I first used it now Im trying to pay it down to bring it back to XXXX balance but they keep charging extra unnecessary fees that I dont know what Therefore I would like to bring this to your attention CFPB XXXX Please look into this for me. I am a consumer and and been getting harassed by this Credit Card company

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NJ

Complaint narrative:
It was money taken off my Cash app numerous of times and I called and emailed the website and he told me it was nothing he can do about it. He didn't see anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: RAYMOND JAMES BANK
State: TX

Complaint narrative:
I noticed that the interest paid on my XXXX XXXX was incorrect as I was expecting it be different based on my own financial calculations. I sent a query to Raymond James ( mortgage servicer ) to correct it on XX/XX/XXXX. I received a response on XX/XX/XXXX via email explaining their calculation which was still incorrect. They did not make the change as they believed their calculation was correct. They had subtracted pre-paid interest on the mortgage paid for the period XXXX XXXX XXXX XXXXXXXX from interest paid in XXXX to arrive at the XXXX number for XXXX. I called them back on XX/XX/XXXX and spoke to an agent. We reviewed all payments in XXXX and the agent agreed that the number on XXXX was incorrectly calculated and opened a case for this to be corrected within 7 business days. I feel that there should never have been an error here. I am a highly financially savvy person and was able to detect this but wonder what other people would do. This has an impact on tax returns. It feels highly incompetent for a mortgage servicer to calculate this incorrectly and then justify the incompetence further. They should review their XXXX processes and ensure there will not be any errors going forward

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I am filing this complaint regarding a significant and unresolved delay in processing my Public Service Loan Forgiveness ( PSLF ) Buyback requests, which were originally submitted on XX/XX/year> to Federal Student Aid. While a partial resolution occurred on XX/XX/year> ( Case # XXXX ), which resulted in the forgiveness of two of my loans, two other qualifying loans were omitted and remain stuck in " pending '' status despite meeting the program requirements. The Unresolved Loans : Award ID : XXXX ( Loan dispersed over 10 years ago ; only 5 payments remaining ) Award ID : XXXX ( Loan dispersed over 10 years ago ; only 17 payments remaining ) The delay is centered on a period where these loans were placed in a " deferred '' status even though I made several requests to be placed in " repayment '' status. This prevented me from making qualifying payments. I have been attempting to use the Buyback process to correct this for over a year. My servicer and Federal Student Aid ( FSA ) have acknowledged these requests but have failed to finalize the buyback for these two specific Award IDs. Relevant History and Case Numbers : Case # XXXX ( XX/XX/year> ) : Buyback request escalated for in-depth analysis. Case # XXXX ( XX/XX/year> ) : Official confirmation of qualifying payment counts. Case # XXXX ( XX/XX/year> ) : Most recent reconsideration request which remains open. I have exhausted all standard communication channels. This administrative delay is causing financial harm by preventing the total forgiveness I am entitled to under the law. I request that the CFPB intervene to compel the servicer, Mohela, and FSA to complete the buyback assessment for these two remaining loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I requested a contract with my signature on it. Never sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They call and tell me there gon na keep making the debt go up as interest but I dont know what it is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I am disputing an inaccurate balance being reported and collected by XXXX XXXX XXXX. My original debt was approximately {$6100.00} from a MILITARY STAR credit account. Beginning in XX/XX/2025, I have had wage garnishments totaling approximately {$3800.00}. In addition, my federal tax refund in the amount of {$4600.00} was offset and applied toward this debt. Despite these payments totaling approximately {$8500.00}, the account currently reflects a remaining balance of {$5500.00}. The payment history shown by the company only includes partial payments starting in XX/XX/2025 and does not reflect earlier garnishments or the federal tax offset. This indicates that significant payments have not been properly applied to the account. I have already attempted to resolve this issue directly with the company and requested a full account ledger and payment history, but I have not received a complete or accurate breakdown. I am requesting a full investigation and resolution, including : * Complete transaction history * All wage garnishments since XX/XX/2025 * Confirmation and application of the federal tax refund offset * Identification of any unapplied or pending funds * Correction of the account balance The current balance is inaccurate and does not reflect the payments made.

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 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
The original agreement was 35 % interest rate and they changed it to 46 % without my knowledge. They also tacked on fees that I knew nothing about. There's no way I would agree to {$700.00} a month payment when I get a {$1200.00} a month XXXX check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am the spouse of an XXXX XXXX XXXX XXXX ( XXXX XXXX ). I am filing this formal complaint against Genesis Receivables regarding an invalid debt of {$900.00}. This same account was already investigated and DELETED from my husband 's credit report following his successful CFPB complaint # XXXX. This collection violates the Servicemembers Civil Relief Act ( SCRA ). We terminated our lease in XX/XX/year> with valid military orders. The landlord is illegally holding {$2000.00} of our funds, and their representative ( XXXX ) admitted in writing on XX/XX/year>, that insurance already covered the damages. Since the company already conceded and deleted this from my spouse 's record, I demand the same immediate deletion from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App regarding unauthorized transactions and liability for borrowed funds on my account. A series of transactions totaling more than {$5000.00} were made from my Cash App account to a gambling platform ( XXXX ). These transactions were not authorized by me. They were made by my minor child ( age XXXX ), who had access to my phone through Face ID without my knowledge of the extent of this activity. At the time, I was unaware that these transactions were occurring at this scale. Once I discovered the issue, I immediately took action to secure my account, including removing Face ID access and blocking access to gambling platforms. A portion of the funds used in these transactions were my own, and a portion consisted of borrowed funds provided through Cash App. Despite explaining that these transactions were unauthorized and made by a minor, Cash App denied my dispute and upheld their decision, stating it was final, without adequately addressing the issue of unauthorized minor use or my liability for the borrowed funds. I am requesting : - A formal review of these transactions as unauthorized use by a minor - Reconsideration of my liability, especially regarding the borrowed funds - Any available relief, adjustment, or resolution given the circumstances I have acted in good faith, secured my account, and am seeking a fair resolution to a situation that was outside of my control. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: GA

Complaint narrative:
XXXX XXXX XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXXis 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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I tried to open an account and was told I already had an account that I had no idea of. The lady said the account had been opened 8 years ago. I just turned XXXX so that means the account was opened when I was XXXX XXXX XXXX. The account uses a different last name and different year of birth from mine but my social security number. The representative said that I am responsible for the amount owed in the account because Im XXXX. I just turned XXXX and why am I responsible for a account that I never opened and now the said I cant open a account due to this account that someone else opened

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 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I cancelled my XXXX XXXX XXXX XXXX plan effective [ cancellation date ], but XXXX continued billing me after cancellation and then referred an inaccurate {$710.00} balance to IC System for collection. IC System is now reporting this disputed postcancellation amount to all XXXX credit bureaus and harming my credit, even though I have disputed the debt in writing and requested validation ( original contract, cancellation terms, and itemized statement ). XXXX has a documented history of improper wellness plan billing and postcancellation charges ( including class action allegations and later investigations into its wellness plan and debt collection practices ), and I believe XXXX and IC System are violating the Fair Credit Reporting Act and Fair Debt Collection Practices Act by continuing to collect and report an unverified, disputed postcancellation balance. I am requesting that the CFPB require these companies to provide full documentation, correct or delete the tradeline, and cease collection of any amounts billed after cancellation.

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WA

Complaint narrative:
This complaint is regarding case number XXXX with Square ( parent company is Block , Inc ). Our organization participated in a festival where we used the Square device to collect credit card purchased for items we sold. Funds raised are intended mostly to support XXXX organizations in their efforts against the XXXX XXXX XXXX XXXX. All funds in dispute were collected on XX/XX/year> during the festival. Since then we have repeatedly requested by phone calls that our funds be released so that we can transfer the money to our bank account. They have been holding our money ( {$7900.00} ) for about XXXX days, well past the XXXX days they are legally allowed to hold funds. When we try to transfer money from our balance in their app, the message states " This balance is temporarily unavailable while we verify your account. Please check your email for more details. '' They have given us no reason why this money is being withheld. XXXX XXXX days should be ample time for them to " verify '' our account. We want the money released immediately.

Company response to consumer: Closed with explanation